Chase United MileagePlus Explorer Card: Limited-Time 50,000 Bonus Miles

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United MileagePlus Explorer Card BigChase has just increased the sign-up bonus on the United MileagePlus® Explorer Card from 30,000 to 50,000 United miles after spending $2,000 in 3 months, plus 5,000 more miles for adding an authorized user and making a purchase on that additional card. Offer ends 9/2/14.

Here are the highlights for the card (application link):

  • LIMITED TIME OFFER: Start with 50,000 bonus miles after you spend $2,000 in the first 3 months
  • Earn an additional 5,000 miles when you add an authorized user and make a purchase in the first three months
  • Check your first bag for free – save up to $100 per round-trip
  • Priority boarding privileges – get on before general boarding
  • Two lounge passes to their first class United Club every year
  • No foreign transaction fees
  • Earn double miles on United ticket purchases, and 1 mile per $1 on all other purchases
  • Your miles don’t expire as long as you’re a Cardmember, with no limit to the number of miles you can earn
  • $0 intro annual fee for the first year, then $95

All in all, a good card for regular United fliers with the free bags and priority boarding. Every year you spend $25,000 in purchases using your United MileagePlus Explorer Card, you’ll earn an additional 10,000 bonus miles. That means at 25k of spending, you’ll be getting 1.4 miles per dollar on all purchases.

Adding an authorized user is free of charge, so no reason not to get that addition 5,000 miles. Keep in mind the following terms and conditions:

This new cardmember bonus offer is not available to either (i) current cardmembers of this consumer credit card, or (ii) previous cardmembers of this consumer credit card who received a new cardmember bonus for this consumer credit card within the last 24 months.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.  “The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.”

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T-Mobile New Plan: 4 Lines for $100/Month Unlimited Talk, Text, 10 GB of 4G LTE Data

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T-Mobile just announced 7/30 that their Family Plan will offer 4 lines for $100 a month with unlimited talk, unlimited text, and 2.5 GB of 4G LTE data per line. (10 GB total across 4 lines. Unlimited 2.5G data after your LTE data allotment is used up.) That is an increase of 6 GB (1.5 GB per line) from their previous offer. Offer expires 9/30/14. I’m not sure why, but the bump up lasts only until 2016, after which it will revert back to 1GB of high speed data per line. That is 17 months from now, so hopefully 4G data will have become cheaper by then anyway. Add a 5th line for only $10 more a month.

These plans include T-Mobile’s free international 2G data and texting in 120+ countries. Came in handy for my brother-in-law when he was at the World Cup in Brazil.

These plans do not include any subsidy for a new phone. You can bring your AT&T or Verizon iPhone 5 straight over to T-Mobile just by swapping out the SIM card inside, no special unlocking procedure required. Usually the Prepaid SIM card is $10 but from 8/1 to 8/6 use the promo code SIMDEAL to get it for only a penny ($0.01). Get a nano SIM card if you have a compatible iPhone 5 or iPad Mini. Get a micro SIM card if you have a compatible iPhone 4, 4S or iPad. You can also check compatibility here.

I really hope T-Mobile stays independent because their aggressive pricing will help keep everyone’s plan costs in line.

Alternatively, you can get unlimited talk, text, and WiFi/3G data for $25 a month with Republic Wireless (per line, no minimum number of lines). You’ll have to buy one of their phones (Moto G starting at $149).

Credit Karma Offers Free Full Credit Reports, Updated Weekly

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CreditKarma.com just announced that they will now provide members a full copy of their TransUnion credit report, free of charge and updated once a week if you log in that frequently. You should see a pop-up once you log in, otherwise navigate to My Finances > Full Credit Report (Beta).

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Here’s a summary of their offering now:

  • Free TransUnion New Account credit score. Updated once a week. Not a FICO-branded score, but can still be use to track relative changes over time.
  • Free 24/7 credit monitoring of your TransUnion report. Will alert you if there are any changes, in case you’re like me and don’t really need a weekly update of your credit score. This is handy for tracking the location and timing of credit inquiries.
  • Free full credit report of your TransUnion data. Updated once a week. Nice to be able to track any changes down the smallest detail if needed.

Everything is still free with no trials and no credit card required. Either Credit Karma is making some decent money off their website advertising, or the cost of credit reports and scores continues to drop. I think the latter is definitely an overall trend.

Don’t forget the other major bureaus to get your complete credit picture. Get free non-FICO scores and 24/7 credit monitoring from all three credit bureaus (Equifax, Experian, and TransUnion) here. I track and compare all of my free credit scores here.

Rue La La Shopping: Free $25 Credit

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Shopping site Rue La La is offering an increased free $25 credit for new members that are referred by existing members until August 6th. Keep in mind the $25 credit will take anywhere from several hours to a day to show up. You’ll know you have it when the credit appears in the top right corner of your screen.

The good news is that the credit also applies towards shipping ($9.95) so that if wanted, you could get anything under $15 for free. Also, once you pay that $9.95, future orders will ship free for the next 30 days. The referrer gets $10 credit as well if you buy something, so thanks ahead of time if you use my referral link.

Now that I have girls that like both pink things and rolling in mud, here’s a dress for $17 that ended up under $2 including shipping. They also have non-clothing items, everything seems rather fashionable. Some examples:

(Update: A lot of things are getting sold out as this promo gets popular. Their inventory changes daily, I recommend to keep checking later and sort by price.)

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Marriott Rewards Premier Credit Card: 70,000 Bonus Points + Free Night Certificate

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Marriot Visa Signature Card

New limited-time 70k offer. Another credit card has upped their usual sign-up bonus given all the competition recently – this time it is the Marriott Rewards® Premier Credit Card from Chase. Thanks to reader Naveen for the heads up. The offer for new Marriott cardholder includes:

  • For a limited time, earn 70,000 Points after spending $2,000 in your first 3 months from account opening
  • Receive 1 Free Night Stay after account approval in category 1-4 locations
  • Receive 1 additional free night stay at a Category 1-5 location every year after your account anniversary date!
  • Introductory Annual Fee of $0 the first year, thereafter $85
  • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point elsewhere
  • Receive 15 credits toward your next Elite membership level after account opening and every year after your account anniversary
  • Unlimited Point Accumulation
  • No Foreign Transaction Fees and global Chip and Signature technology

We’ve been getting the itch to travel again as a family, so I looked through Marriott’s redemption offerings. Marriott properties include Ritz-Carlton, Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites. You can view their redemption chart here. Hotels on their PointSavers list have temporarily reduced redemption costs. Redeem 4 nights and get the 5th night free.

70,000 points is enough to get you a night at any Ritz-Carlton in the world. Or, 70,000 points can get you two nights at any Category 6, Category 7, or Ritz-Carlton Tier 1 hotel. The free night award can be used for up to a Category 4 hotel. In the top right corner of the redemption chart link, you can view a comprehensive list of what hotels are in any specific category. Here are the options that caught my eye.

Ritz Carlton Tier 5 (Highest tier, 70,000 points a night)

Category 7 Hotels (35,000 points per night, 30,000 if Pointsaver)

Category 6 Hotels (30,000 points per night, 25,000 if Pointsaver)

Ritz Carlton Tier 1 (30,000 points per night, 20,000 if Pointsaver)

Category 4 Hotels (Eligible with Free Certificate or 20,000 points per night standard, 15,000 if Pointsaver)

  • Orlando: Courtyard Orlando Lake Buena Vista at Vista Centre
  • Orlando: Courtyard Orlando Airport
  • Orlando: Fairfield Inn Orlando Airport
  • Orlando: Fairfield Inn & Suites Orlando at SeaWorld®
  • Orlando: Fairfield Inn & Suites Orlando Lake Buena Vista in the Marriott Village
  • Orlando: Courtyard Orlando International Drive/Convention Center
  • Orlando: SpringHill Suites Orlando Airport
  • Orlando: Fairfield Inn & Suites Orlando International Drive/Convention Center

Marriott Chase Rewards Card Small BoxAdding up the value of two Cat 7 nights and one Cat 4 night is going to be easily over $500 of value, possibly closer to $700-$800. But as always, hotel points are only good if you can use and enjoy them. I have gotten to stay at some terrific properties thanks to such point promotions, although I tend to value location and convenience over the bling factor.

I was wrong initially as Marriott points are convertible to gift cards, but it takes 60,000 points to redeem for a $200 gift card for Marriott or retailers like Best Buy, Home Depot, or Nordstrom. That ratio isn’t all that great, you’ll definitely get the most value out of your points if you stay at Marriott hotels.

The annual fee is waived for the first year. If you are regular Marriott hotel guest, then the free Category 5 night is probably worth the $85 annual fee at the end of your first year.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.  “The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.”

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Chase Ink Plus Business Card Review: $500 Cash, $625 Travel, or 50,000 Mile Bonus

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Chase ink Plus Business Card(Update: There is now a 70,000 bonus point bonus available if you apply for this card inside a physical Chase Bank branch. However, the $95 annual fee is not waived as it is for the online offer below. Via FW.)

Chase has a new small biz credit card, called the Ink Plus® Business Card. It turns out to be very similar to the Chase Ink Bold Business card (full review), but with the important difference that the Ink Plus is a credit card where you can carry a balance and the Bold is a charge card that you must pay in full each month. The current APR for both purchases and balance transfers is 15.24%.

The good news is that the Ink Plus has a sign-up bonus, offering 50,000 Ultimate Rewards points after your after spending $5,000 in the first 3 months your account is open. You can read about my Ink Bold bonus experience here. To briefly recap:

Ultimate Rewards points are very flexible:

  • Cash. 1 point = 1 cent in cash, so 50,000 points = $500 cash.
  • Travel. 1 point = 1.25 cents towards travel, so 50,000 points = $620 towards travel at the same prices at Expedia or Travelocity (no % markups), split up however you like into multiple tickets, down to the penny. Good for people who don’t like to bother with miles.
  • Frequent flier miles and hotel rewards points. Transfers directly to United miles, British Airways miles, Hyatt hotel points, and Marriott hotel points. Best for folks that are willing to research and maximize their miles. Top up your account to reach an award, an transfer over only what you need.

The card also has the following same Ink Bold features:

  • Named “Best for Travel Rewards for Small Business” MONEY® Magazine, October 2013
  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards
  • Flexibility to pay your balance over time or in full.
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • No foreign transaction fees.
  • 1:1 point transfer to leading frequent travel programs with no transfer fees.
  • $0 Intro Annual Fee for the first year, then $95

You can buy Amazon.com gift cards at Staples and OfficeMax and get the 5x points, effectively discounting them 5% in cash (6.25% in travel), which may also help you with the spending requirement. Based on past experiences, you should be able to get this card and bonus in addition to the Ink Bold card as they are different cards. I already have the Chase Sapphire Preferred personal card and the Ink Bold card, so I’ll probably wait for a bit during my no-annual-fee first year and then try out this new card as well for my business.

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, or other one-person business. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.  “The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.”

Horizon Motif Review: Commission-Free, No Advisory Fee, Index ETF Portfolios

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motiflogoMotif Investing is a discount brokerage with a twist: you can buy a basket of up to 30 different stocks or ETFs and the entire basket costs just $9.95 a trade. When I first heard of this company, I thought it would be a cool way to build your own custom ETF. It could be dividend income stocks, your own balanced fund of stocks and bonds, whatever. You can start with as little as $250 and they use fractional shares so all your money is invested.

But you could also make a diversified portfolio of low-cost index funds. Motif went one step further and introduced their own Horizon motifs, which come with zero trade commissions as well as no management fees. There are 9 different Horizon Motifs – you pick one of three time horizons (1 year, 5 year, or 15 year) and one of three risk levels (conservative, moderate, or aggressive). Consisting mostly of Vanguard and iShares ETFs, here is the asset allocation for their 15-year, aggressive portfolio:

  • 27% US Stocks (VTI)
  • 17% International Stocks (VXUS)
  • 8% US Real Estate (VNQ)
  • 5% Commodities (GSG)
  • 27% International Total Bond (BNDX)
  • 16% US Total Bond (BND)

Overall, the asset allocation portfolios are pretty similar to those offered by other brokerage firms, mutual fund companies, and “robo-advisor” online portfolio managers. I would note that compared to their competitors’ asset allocation models, Horizon Motifs as a whole have a slightly greater allocation to bonds. Usually an “aggressive” long-term portfolio has 70% to 90% in stocks, while Motif has roughly 60%. Their 15-Yr Conservative is ~50% stocks and their 15-Yr Moderate is ~40% stocks. You can adjust the relative percentages of the ETFs inside the Motif, but that will change it to a custom Motif and thus trades will cost $9.95. (I tried.)

I have an Motif Investing account, and here is confirmation that the trade commission is zero and an illustration of how fractional shares work (click to enlarge):

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Horizon Motifs can be a great way for beginner investors to get started without getting eating alive by fees. The impact of zero commissions is greatest when your portfolio size is small. For example, paying $10 commission on a $250 monthly deposit is an instant 4% drop in your balance. Through this whitepaper, I found that the Motif is rebalanced based on tolerance bands linked to time and percentage variations. Rebalancing would be free as well since it is usually just charged as one trade.

I don’t know anywhere else you can buy a basket of 6 low-cost ETFs for $250 with no commission and have every dollar split into fractional shares so that you are always fully invested and have it rebalanced for you regularly for free. Once you start investing larger amounts down the road, then you can switch to something more customized if desired.

To answer a reader question, Motif is a “real” brokerage firm with the usual $500,000 of SIPC insurance and uses Apex as their clearing firm (same as TradeKing, Betterment, OptionsHouse). They also offer two-factor authentication for security.

Motif Investing does have some new customer promos, but some won’t apply if you only make free trades. You can get a $150 cash bonus if you deposit $2,000 and make 5 trades at $9.95 each. They also have a $150 IRA promotion if you transfer over $5,000 in assets.

Free Rideshare Promo Codes: Uber, Lyft, Flywheel, Gett, Sidecar, Silvercar

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uberscreenFlywheel now $20, Sidecar now $15. Summoning a car with your smartphone is all the rage. Most of these startups are offering some form of bonus credit for first-time users. If you live in a major metro area, this can quickly add up to a decent amount of free rides. I’ve only used Uber up to now, but it was a very easy experience.

  • Uber – Hail a car, taxi, black car, minivan, and more with your smartphone. Lots of cities. Get $30 off your first ride via this special link or promo code uberMYMONEYBLOG. UberX involves individuals driving their personal cars, the rest are professionals.
  • Lyft – Hail a pink-mustached car driven by a private individual in their private car. Cities. Get $50 off your first ride with promo code SLICKDEALS. If that doesn’t work (some report expired), you can get a $25 ride credit via my referral link. If you live in a city where they are just starting out, you may also get a bunch of additional free rides for being a “Lyft Pioneer”.
  • Flywheel – A taxi app that only hires “fully licensed, insured and professional” drivers. Cities. Get $20 off through 7/31/14, $15 usually your first ride with this special link or promo code 27A8AP.
  • Gett – Black car service in NYC only (yellow taxi coming soon). Get $20 free credit with promo code GTJONAT17.
  • Sidecar – “Sidecar allows riders to choose the vehicle, the driver
    and the price, tailoring every ride for any occasion.” Cities. Get $10 free ride credit with promo code jdhmd. For a limited time, you can get a $15 credit through 8/31/14 with my promotion code JONATHAN931. After that, the standard referral credit is $5.
  • Silvercar – Rental car app, with the only choice being a silver Audi A4. AUS, DAL, DFW, LAX, PHX, SFO. Get $50 off your first rental by June 30th, 2014 with promotion code AFF-FTD during booking. I’m not sure about stacking, but you can also get a $25 Visa gift card after your first rental if you use this sign up form with promo code JPING.

I have tried out all of these codes myself as of 6/22/14. Where the best deal is a referral code, I have included my own and will usually get a bounty of whatever you get (you get free ride, I get free ride). If my code isn’t the best deal, I posted the better deal instead. Thanks in advance if you use any of them.

Bonus: Get $25 credit towards any hotel stay booked through the Hotel Tonight app. Sign up online at this link with promo code JPING2 for $25 in credit (new customers only). Then download the Hotel Tonight app (Apple or Android). More info here.

Current Amex Special Offers: Whole Foods, JC Penney, Best Buy

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amexoffersUpdated 7/21/04. This post will be updated to include selected recent special offers from American Express that are widely available to their cardholders. These promotions often offer the opportunity for easy savings without changing your spending habits. Sometimes I just buy a gift card if I go the store regularly.

Here are the current widely-available special offers:

  • Whole Food Market $10 off $75. Get a one-time $10 statement credit by using your connected Card to make a single qualifying purchase of $75 or more in-store at Whole Foods Market by 9/30/14. I would just buy a $75 gift card if you don’t usually spend that much at once.
  • JC Penney $10 off $50. Get a one-time $10 statement credit by using your connected card to spend a total of $50 or more on qualifying purchases in-store or online at JCPenney by 9/2/14.
  • Best Buy $25 off $250. Get a one-time $25 statement credit by using your connected Card to spend a total of $250 or more in-store and online at Best Buy by 9/2/14.
  • Delivery.com $5 off $25. Get a one-time $5 statement credit by using your connected card to make a single purchase of $25 or more online at delivery.com by 8/3/14. First-time customers can also get $7 off first order of $20 or more (expires 7/31/14). Various cities.
  • American Express Gift Card $10 off $200. Get a one-time $10 statement credit by using your connected card to spend a total of $200 or more on American Express Gift Cards at www.americanexpress.com/gift-cards by 7/30/14.

Targeted offers include $20 off $20 at Amazon and $20 off $20 at Costco.com. Check your account and you may be pleasantly surprised. (Or not. I wasn’t. :) ) Hat tip reader Tim.

Here are the various ways to access these offers:

  • Log into your AmEx account online and scroll down until you see the “Amex Offers For You” tab.
  • Use the AmEx smartphone app.
  • Access via social media at AmExOffers.com – Facebook, Twitter, Foursquare, and TripAdvisor.
  • Not everyone can access every offer, but the ones on Twitter tend to be available to everyone. You can track these easily on their Favorites page.

Groupon Deal: Sam’s Club Membership

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samslogoAvailable again. Groupon has a special Sam’s Club Plus membership deal where for $45 you get:

  • One-year Sam’s Club Savings membership ($45 value), which includes a membership card for the primary cardholder and a complimentary membership card for a spouse or other household member.
  • $20 Sam’s Club gift card
  • Four Fresh-food vouchers, redeemable at the time of membership activation through Monday, October 27, 2014 (a $26.23 value), including:
    • Sliced oven-roast turkey (22 oz. – $7.98 value)
    • Ciabatta rolls (8 ct. – $3.99 value)
    • Black bean five-layer dip (28 oz. – $7.98 value)
    • Apple pie (10” – $6.28 value)

Valid at any Sam’s club location. New members only, which is defined as someone who does not have a currently valid membership. Remember that you can save even more on your Groupon with cashback shopping sites like eBates ($5 new customer bonus), Mr. Rebates ($5 bonus), and BigCrumbs.

Kindle Unlimited Review: Personal Finance and Investing Books

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kindleu2Amazon has just announced Amazon Unlimited, an eBook and audiobook subscription service that costs $9.99 a month (30-day free trial) and not included in Amazon Prime. They claim over 600,000 titles in their library, although that number is padded by a lot of little-known self-published eBooks. “Thousands” of those books come with free audiobook versions. You can read unlimited books (max 10 out at once) and on any Kindle app (Windows, Mac, web browser, iPhone/iPad, Android, etc).

It’s a library card with 24/7 instant availability, but how well-stocked is this virtual library?

My personal reading habits include mainly business, personal improvement, and finance books. I compiled a list of notable books that I have read or want to read first, and then checked if Amazon Unlimited had it. I’m also including the findings from my Oyster review (a competing eBook app) for comparison purposes.

Book Oyster.com Amazon Unlimited
William Bernstein’s Recommended Reading List for Young Investors
The Millionaire Next Door: The Surprising Secrets of America’s Wealthy by Thomas Stanley and William Danko. Yes No
Common Sense on Mutual Funds by Jack Bogle. Yes No
Devil Take the Hindmost: A History of Financial Speculation by Edward Chancellor. No No
The Great Depression: A Diary by Benjamin Roth. Yes No
Your Money and Your Brain by Jason Zweig. Yes No
How a Second Grader Beats Wall Street by Allan Roth. Yes No
All About Asset Allocation by Rick Ferri. No No
5 Recent Bestsellers
Flash Boys: A Wall Street Revolt by Michael Lewis. No Yes
Pound Foolish: Exposing the Dark Side of the Personal Finance Industry by Helaine Olen. No No
Think Like a Freak: The Authors of Freakonomics Offer to Retrain Your Brain by Steven Levitt and Stephen Dubner. No No
Capital in the Twenty-First Century by Thomas Piketty. No Yes
Thinking, Fast and Slow by Daniel Kahneman. No No
5 Personal Favorite Financial Books
Your Money or Your Life by Vicki Robin and Joe Dominguez. No No
Work Less, Live More: The Way to Semi-Retirement by Robert Clyatt. Yes No
The Richest Man in Babylon by George S. Clason. No No
The Four Pillars of Investing by William Bernstein. No No
A Random Walk Down Wall Street by Burton G. Malkiel. No No

 
* Oyster catalog checked June 2014 and Amazon Unlimited checked July 2014.

Recap

In the “major publisher, popular, well-reviewed” category, Oyster wins hands-down. AmazonUnlimited reportedly does not have any of the major “Big 5″ publishers (they are not BFFs right now). In the “recent business bestseller” category, neither is great but Amazon actually has a slightly better showing. Many of Michael Lewis’s other books are also on AmazonUnlimited (The Big Short, Liar’s Poker, The Blind Side). In the “niche DIY early retirement personal finance nerd” category, again neither does great although Oyster technically wins by a nose.

Bottom line: Amazon Unlimited has a relatively limited catalog for personal finance enthusiasts.

Keep in mind that the Amazon Kindle Owner’s Lending Library still exists (at least for now) and boasts 500,000+ titles (again padded by self-published eBooks). The Kindle Lending Library is free if you already have both a Kindle (any model) and an Amazon Prime subscription. You can only read on a Kindle device though, and you only get one title per month.

There are some promising titles available if you dig around, for example I noticed that William Bernstein’s “Investing for Adults” series of books (The Ages of the Investor, Skating Where the Puck Was, Deep Risk, and Rational Expectations so far) are all available with both Kindle Unlimited and Kindle Lending Library.

Personally, I might sign-up for the free trial and read whatever books I can during that window and maybe it’ll spill over for a month (though you can cancel now and still enjoy you free month without worry of auto-bill), but I can’t see myself paying $120 a year for a limited selection of books (that interest me) that I can’t keep forever.

Citi Hilton HHonors Reserve Card: $100 Statement Credit + Two Free Weekend Nights $500+ Value

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Update – This promotion is now EXPIRED.

Citi has a new promo for its premium Hilton Hotels card, the Citi® Hilton HHonors™ Reserve Card. The sign-up bonus now includes a $100 statement credit in addition to 2 Free Weekend Nights (details below). The two free weekend night certificates are good on Friday, Saturday, and Sunday nights and offer a potential value of $500+ by themselves. Card feature summary:

  • Earn a $100 statement credit after spending $100 or more on your first hotel stay in the Hilton HHonors Portfolio within the first 3 months of account opening
  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in purchases within 4 months of account opening*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
  • Free HHonors Gold status as long as you are a cardmember*
  • No foreign transaction fees on purchases*
  • Travel with ease and enjoy global acceptance with your Citi chip credit card
  • $95 annual fee.

The two free weekend night certificates have no category restrictions, but do have the following exclusions. Certificates are valid for 12 months after issuance. Must be used on “standard” rooms (no upgraded suites, etc). Room taxes are included with the certificates. Booking the same rooms using rewards points would cost 50,000-70,000 HHonors points per night. Possible choices include:

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In the end, this is a great way for casual travelers to stay two nights at a really fancy hotel where you can’t imagine paying over $300 a night. (I just checked the Grand Wailea in Maui, and the standard room for one night was $439 + taxes = $501.27) Use the $100 credit to save on an additional night or separate stay. Alternatively, this card is good for regular travelers where Hilton is your hotel chain of choice. Free Gold status offers perks like late checkout, free Wi-Fi, and a free breakfast at many hotels. For future years, if you spend $10,000 in a year you get another free weekend night certificate, which you can weigh against the $95 annual fee.

I just applied for this card. I would normally like to use the certificates for something international and exotic, but with two toddlers I’m pretty sure we’re going to use it for the Grand Wailea in Maui. My application is pending; you can check via their application status number 888-201-4523.