By that reasoning, we can
think of our credit card points as essentially the «interest we're being paid.»
By that reasoning, we can
think of our credit card points as essentially the «interest... [Read more...]
Not exact matches
We've written earlier about how that is generally a bad idea (more on that later), but to illustrate our
point and in light
of the current retail climate, we
thought it'd be a good idea to show you what happens to a store - branded
credit card when the company shuts its doors.
Early Years DAD
Card: a credit card - sized folding card which opens out, concertina - fashion, and contains bite - sized nuggets of information to provide dads with confidence - building facts, figures and advice — reassuring them about their significance and skills, encouraging them to think positively about their fatherhood and pointing them towards the Dad Info website, www.dad.i
Card: a
credit card - sized folding card which opens out, concertina - fashion, and contains bite - sized nuggets of information to provide dads with confidence - building facts, figures and advice — reassuring them about their significance and skills, encouraging them to think positively about their fatherhood and pointing them towards the Dad Info website, www.dad.i
card - sized folding
card which opens out, concertina - fashion, and contains bite - sized nuggets of information to provide dads with confidence - building facts, figures and advice — reassuring them about their significance and skills, encouraging them to think positively about their fatherhood and pointing them towards the Dad Info website, www.dad.i
card which opens out, concertina - fashion, and contains bite - sized nuggets
of information to provide dads with confidence - building facts, figures and advice — reassuring them about their significance and skills, encouraging them to
think positively about their fatherhood and
pointing them towards the Dad Info website, www.dad.info.
Doug Hoyes: If you are — if I pay off my
credit cards with my line
of credit and then I rack up my
credit cards again, I'm actually worse off as a result
of that which I
think is the
point you were making.
If you're the type
of credit user who doesn't like managing or
thinking about redeeming rewards
points, the Blue Cash Preferred ®
Card from American Express is for you.
I
think one
of the things that I wish I was smarter about were the cash back /
points credit cards.
I like to
think of my
credit card rewards
points as assets.
Until you reach that
point, we
think you'll actually get better value using any
of the other rewards
credit cards.
I
think that you'll find this new
credit card strategy to be a no - brainer considering the minimal amount
of work that it takes to accumulate the
points.
I
think cash back
cards (capital one, citi thank you
points, amex blue cash, etc) are a good way to cut down the overall cost
of travel such as using them for statement
credits on train, bus passes, tour tickets, food, etc and other costs that miles can not be used on.
The no - fee arrival
card allows
point redemption into a statement
credit, but I
think the minimum amount
of statement
credit you could get was $ 25, so 2,500
points.
Before we started in the miles &
points hobby, we
thought many
of the myths associated with applying for
credit cards were true.
I've gathered what I
think are some
of the best
credit card offers available, providing generous bonus miles,
points, and other travel - related benefits.
I've never collected Skyward miles (or redeemed
credit card points for Skyward miles) so, if any readers have, let me know what you
think of the program as a whole.
When the Citi Prestige
card came to market it brought with it some fantastic benefits and bonuses that helped change the landscape
of the miles &
points credit card world - yes, I
think the
card has been that important.
I
think the Sapphire Preferred is a great
card for «lazy» frequent travelers who don't want to manage
points and miles in multiple accounts or juggle lots
of credit cards, each with their own category bonuses.
Many travelers
think of the Chase Sapphire Preferred as the ultimate travel rewards
credit card as your
points are worth 1.25 cents each when you redeem them for any award travel on the Chase travel portal or they can be transferred to many 1:1 air travel and hotel loyalty programs like United, Southwest, British Airways Avios, Hyatt, and Marriott.
If you put a bit
of thought into what you're doing before you hand over your
credit card for a purchase it's possible to earn significantly more miles &
points than you may realise.
I personally do not plan on completing any
of the promotions as my travel needs are limited, only promotion that may force me to
think twice is the «Club Carlson — Extend your stay, Earn 30K» as there is potential to earn around 50K
points (being a Club Carlson
Credit card holder).
Based on having some new visitors I
thought it might be fun to give an example
of how travel can be (almost) free due to the beauty
of hotel, airline, and
credit card rewards
points.
Ultimately, we
think it's best for frequent travelers who want to get more than just rewards
points out
of a travel rewards
credit card.
I can't
think of any
credit cards that have general retailers as a bonus category so, in most cases, the best you can hope to earn is 1
point or mile per dollar spent at stores like Macy's, Nordstrom, Barnes & Noble etc... but, once again, gift
cards can be the answer.
Anyone with a stack
of Club Carson
points and their co-branded
credit card should be making as many reservations as they
think they'll need before this deal goes away on 1 June.
There has been a lot
of excitement surrounding the release
of the Case Sapphire Reserve
credit card but, once all the excitement is over, I
think we'll be left with a
points landscape that's significantly worse than the one we have right now — here's why.
Most importantly, all the
credit cards I've listed above earn transferable currencies (they can be moved to a number
of other loyalty programs) while the
points earned
thought the Marriott Rewards
credit card are really only
of any use at Marriott properties....
If you're
thinking of opening a
credit card to get the bonus miles or
points for a free flight, take into consideration where and when you want to travel using those rewards, and make sure the bonus covers it.
This may not be the first
credit card that offers the no annual fee and no foreign transaction fee combination (Bank
of America and Capital One offer
cards that offer this) but it's the first
credit card that I can
think of that offers this combination with the ability to earn hotel
points....
On the other end
of the spectrum, some
cards have average
credit limits that make you
think, «What's the
point?»
Most blogs, bloggers,
credit card websites, etc. value
credit card currencies, such as
points and miles, at a certain amount based on what they
think you can squeeze out
of them.
Recently I've been
thinking about the psychology
of double dipping when it comes to the world
of travel — including reselling, manufactured spend, miles /
points and
credit cards.
While you might not dream about
credit cards like we do, you've likely
thought, at some
point, about what the holy grail
of cards might look like for you.
Although I don't apply for
credit cards quite to the degree
of some people (I
think last year only saw five applications), I do try to use them as a way to boost my pool
of miles and
points.
Think of it this way - if you can get 25,000
points signing up for a Starwood Preferred Guest (SPG)
Credit Card from American Express, for example, wouldn't it be much better getting 50,000 points from two cards (Canadian version and US version of the same ca
Card from American Express, for example, wouldn't it be much better getting 50,000
points from two
cards (Canadian version and US version
of the same
cardcard)?
Those, I can live with and at least
think about going for without having to draw up a serious plan and without losing a lot
of potential
points, since I put a lot more than $ 10,000 on my
credit cards each year.
Living the dream on
card rewards Those who don't know us very well may
think we are living the high life, but the truth is that our $ 250 hotel room near the line
of totality during the eclipse was booked for 3,000 Starwood Preferred Guest
points; our flight to Wyoming was 100 percent free on a private plane thanks to a crazy JetSmarter promotion for those who could prove they had a million miles; our resort complete with water slides and a lazy river in San Antonio was booked using an annual
credit card award night when the room normally costs $ 300 - plus per night; our amazing room at the Park Hyatt New York was booked using 30,000 Hyatt
points per night when the selling price was almost $ 1,000 per night; and most
of our other flights were booked via a collection
of airline miles and
credit card points that were primarily earned by leveraging our everyday spending for major rewards.
Video: Saving on a spa getaway with
credit card points — If you
think going to a spa resort is out
of your price range, saving up just the right kind
of points can help get you within reach... (See Video)
If you have my Kindle ebook (The Free - quent Flyer's Manifesto), follow the travel blogosphere, or visit forums like FlyerTalk or Milepoint, then you know that travel hackers spend a lot
of time
thinking about their applications for new
credit cards, maximizing the number
of miles and
points we earn for each «hard»
credit pull, which in the short term reduce an applicant's
credit score.
Until you reach that
point, we
think you'll actually get better value using any
of the other rewards
credit cards.
I
think the lesson in all
of this,
credit card hawking aside, is exactly the idea that you're far better off primarily accumulating
points through programs /
credit cards that have transfer partners.
Another way to
think about it is this: The Wyndham
credit card has a 45k
points signup bonus, which I took advantage
of.
Given my recent almost - success in using Choice Privileges
points, I started
thinking about manufacturing
points with the new Bank
of America Amtrak
credit cards.
The other very handy Hilton tidbit (that you probably know, but
thought I'd toss it out) is that you can earn their
points bonuses with three different types
of credit cards, which is useful when trying to balance out a churn... The Hilton Citi
cards, the Hilton AMEX
cards and the Hawaiian Air and Virgin Atlantic BofA
cards (with their 2x transfers to Hilton).
but just a
point of reference for those
thinking about the
card and wondering about the travel
credit and the tsa pre / global entry
credits.
Since I'm constantly running experiments with my rewards
credit cards, my first
thought was that I hadn't earned
points for one or more
of those small experimental transactions.
Charity: Though a lot
of people tend to make charitable donations at the end
of the year, if you're looking at your tax statement now and
thinking you could have done more,
think about getting a head start on your charity giving this year by charging them to a
points - earning
credit card rather than just writing a check.
If you're
thinking about cancelling your
credit card after you've banked the
points, make sure you keep your
credit utilization rate,
credit history, and mix
of credit in mind.
While many people
think of credit card travel insurance as a primary auto coverage policy, certain
cards will cover the value
of the
points expended on a trip at a fixed value.
For the purpose
of this post I am
thinking about airline miles, hotel
points,
credit card points, supermarket
points — ie digital tokens tied to a company or group
of companies.