Amazon Prints Promotional Codes: 50 Free 4×6 Photo Prints (Updated)

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New code for 50 free prints. Amazon now does photo printing with Amazon Prints, starting at 9 cents each for 4×6 prints. Bound photobooks start at $19.99 for 8×11 with 20 pages included, then $1 for every 2 additional pages. Free standard shipping on all orders currently, with free expedited shipping on $15+ orders. Amazon’s list prices are cheaper than Shutterfly, although Shutterfly constantly offers coupon codes (and stacking of codes).

You will need either Amazon Prime or Amazon Drive, both of which cost money unless you are on a free trial. Amazon Prime users get free unlimited photo storage included in their $99 annual membership (30-day free trial), while Amazon Drive costs $59.99 a year for unlimited storage (3-month free trial). There is no longer a free tier.

Their current promotion is 50 free 4×6 prints with free standard shipping with the promo code OCT50PRINTS. This current code should work again even if you already got 50 free prints using a previous code.

I doubt Amazon is passionate about being in the photo printing business, but this a smart tactic to get all your data and photos on their cloud. If you store all your precious photos with Amazon, you’ll keep renewing your Prime membership to keep them from being deleted. In case you haven’t noticed… Amazon really, really wants you to get Prime.

I’m surprised Google hasn’t done the same thing, given they also offer unlimited free photo storage.

Free 1,150 Air Canada Aeroplan Bonus Miles Promotion

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150 more free Aeroplan miles. If you go to the Aeroplan homepage and click on offer #4, you should see an offer for 150 bonus miles for telling them about your “goals”. Even small amounts of bonus miles can be handy as Air Canada requires activity every 12 months to prevent Aeroplan miles expiration.

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This previously-mentioned offer is also still available:

Earn 1,000 free Aeroplan bonus miles by completing this quick “Myth or Truth” quiz. It doesn’t matter whether you the questions it right or wrong. You’ll need to enter your Aeroplan number. Note that you will see the following text at the end:

Please note that some promotions are offered by invitation, so bonus miles for those promotions will be credited only if you have been invited to participate and have fully qualified for the offer.

The quiz link is not unique, and I see no other way to tell if I am targeted or even if it matters. It only takes a minute, so it is worth a shot either way.

What Cards Are In My Wallet? 2006 vs. 2016 Flashback Edition

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What’s in my wallet? Besides trying to land at least $500 on new sign-ups, which cards do I end up using on a regular basis? Apparently, the last time I answered this question was in 2006, more than a decade ago?! Let’s see if I have made any improvements since then. These are the cards that work best for my spending patterns and redemption preferences.

All-around cash back rewards card.

  • 2006: MBNA/Fidelity Investments 529 College Rewards Card. I still have this card, although it is in sock drawer mode now. This Fidelity-branded card went from being issued by MBNA, to FIA Cardservices (subsidiary of Bank of America), now to Elan Financial services. The 2% rewards did help me rack up over $8,000 in tax-deferred college savings (including appreciation from investments).
  • 2016: BankAmericard Travel Rewards Card. After moving over $100,000 of existing index funds from Vanguard and qualifying for their Platinum Honors tier, this enabled me to earn 2.625% cash back on all my purchases – redeemed as a statement credit offsetting any travel purchase. That’s a 31% improvement on 2% rewards. If you don’t have $100k in assets to move over, 2% is still double the 1% many cards give on all purchases – I have the Citi Double Cash card as backup.

Category-specific rewards credit card.

  • 2006: Citi Dividend Platinum Select Mastercard. This card is no longer available to new applicants, which is probably why the 5% categories got rather stale. I’m a bit embarrassed to admit that I stopped using it so long that Citi closed it due to inactivity. Whoops! It was one of my older cards, but not a big loss as I have so many other cards to contribute to my “average age of accounts” stat.
  • 2016: Chase Freedom Visa and Discover It Card. This quarter, the Chase Freedom is giving 5% cash back at Costco, Sam’s Club, Walgreens, and CVS ($1,500 total). The Discover It card is giving me 5% cash back at Amazon.com. Overall, I think recent competition has made the 5% categories more useful. Note that Chase Freedem technically earns Ultimate Rewards points, which can provide even higher value when redeemed for points/miles (see below).

Points or miles rewards card.

  • 2006: Starwood Preferred Guest American Express Card. Still a good card overall (we’ll see how the merger changes things). If you redeem in 20,000 point increments, it will provide 1.25 miles per dollar spent for a variety of airline programs. However, I don’t travel as much as I used to, and even at a 2 cents per mile valuation, that’s only 2.5% back on value (more than 2%, but less than the 2.625% above). SPG does not transfer 1:1 to United. I don’t travel for business much these days so I can’t rack up SPG points for hotel stays as quickly anymore, and I also don’t need this card to keep my stash of SPG points active and useful.
  • 2016: Chase Sapphire Preferred card. This card gives 2 Ultimate Rewards points per dollar spent on travel and dining out. Ultimate Rewards points transfer 1:1 to both United and Hyatt, for some solid redemption value. If you value at 2 cents per UR points, that’s 4% back value. I also need this card to keep all of my Ultimate Rewards stash active and available to transfer to the various airline and hotel partners. (I also earn UR points elsewhere from Chase Freedom, Ink business card, and their shopping portal.) If you haven’t had 5 new credit cards in the last 24 months, you should check out the Chase Sapphire Reserve card as well.

ATM Debit card.

  • 2006: Bank of America ATM card. I still have this account, but got tired of how BofA pays no interest and charges you money to initiate a transfer out. If I have to use a online bank as a transfer hub all the time, I’m just going to make that hub my primary account.
  • 2016: Ally Bank ATM card. These days, it’s a lot easier to do all of your banking at an online bank with no branches. Mobile deposit with smartphone camera is much easier than scanner. ATM rebates allow me to use any ATM, and up to $10 per statement cycle in rebates is enough for me (Allpoint ATM network is free and doesn’t count towards limit). 1% APY on savings account, which serves as free overdraft source for checking. Their app is solid, I can easily imitate interbank funds transfers (and I can login with just my thumbprint).

So the overall theme of what goes in my wallet has stayed the same, but the players have around changed a bit.

American Express 2X Rewards On Purchases at Small Businesses

amex2xAmerican Express has a new promotion that offers you “2X Rewards” on your consumer or small business AmEx when you shop at a small business. Runs through the end of the year, 12/31/2016. You must register here. List of what counts as small businesses on their map here.

This works with most of the various flavors of American Express. Specifically, when you use your enrolled Card at small businesses you can earn*:

  • Membership Rewards cards will earn 1 additional Membership Rewards point per dollar spent.
  • Delta Skymiles cards will earn 1 additional mile per dollar spent.
  • Blue Cash cards will earn an additional 1% back per dollar spent.
  • Blue Sky cards will earn 1 additional Blue Sky point per dollar spent.
  • Hilton Honors cards will earn 3 additional Hilton HHonors points per dollar spent.
  • Starwood Preferred Guest cards will earn 1 additional Starpoint per dollar spent.
  • Plenti cards will earn 1 additional Plenti point per dollar spent.
  • Schwab Investor cards will earn an additional 1.5% cash back per dollar spent.

* Rewards cap applies; 2X Rewards valid on up to $100,000 in purchases per enrolled consumer card and $250,000 in purchases per enrolled business card. Prepaid and Corporate Cards, American Express Cards issued by other financial institutions, The Plum Card®, Clear from American Express®, Blue Cash InStore, Blue Cash Rebate Card, Blue for Students®, American Express® Platinum Cash Rebate Card, Optima, and One from American Express are not eligible.

Definitely worth spending the initial effort to sign up for, although the size of the benefit will vary depending on your spending patterns.

BuffetGo: Reduce Food Waste and Buy a Big Box of Leftovers for $3

bgo0The cheap, hungry student inside me couldn’t help but mention a new site called BuffetGo. In an effort to reduce wasted food, both mom-and-pop and hotel buffet restaurants work with BuffetGo to offer a special deal. You show up at their restaurant within a 15 or 30-minute window before closing, and you can fill a take-out box with whatever is available for $2 to $5.

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The number of participating restaurants is still quite limited, but locations include Chicago, New York, and Southern California. Your first meal is also free (may expire on October 31st):

FIRST MEAL FREE FOR NEW CUSTOMERS
We’re committed to an excellent cause, and we want you to be too. To get you on board we’re offering you your first meal completely free. Just place your order via the website and we’ll refund the full amount of your first meal back onto your payment card within 72 hours – it’s as simple as that. See you at the buffet cart!

This won’t work for most people, but it does seem like a clever win-win for the parties involved and indirectly helps the environment. My cheapskate side would hope that I could grab enough food for two meals in one box.

More: Vice, Business Insider

Navy Federal Visa Signature Flagship Rewards Credit Card: 30,000 Bonus Points, 0% APR No Balance Transfer Fee Offer

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NavyFed Credit Union has brought back the sign-up bonus on their premium rewards credit card, the Navy Federal Visa Signature Flagship Rewards Credit Card. Taken altogether, the sign-up bonus and the low intro balance transfer rate are quite competitive. The highlights:

  • Earn 30,000 bonus points when you spend $3,000 within the first 90 days of opening a new card. 30,000 points can be redeemed for a $300 statement credit towards the purchase of any flight on any major airline.
  • 0% intro APR on purchases and balance transfers for 12 months with no balance transfer fee. After that, a variable APR between 10.24% and 18% applies.
  • Earn 2 points per net dollar spent.
  • No limit on the points you can earn; points never expire.
  • No foreign transaction fees.
  • No annual fee for the first year, $49 thereafter.

The “catch” is that in order to apply, you must first become a credit union member. Membership eligibility for NavyFed is primarily restricted to those who currently or have ever been affiliated with the Armed Forces, DoD, Coast Guard or National Guard, those with a family member who has those affiliations, or those with a family or household member who is a NFCU member.

This is a solid offer as it has been harder to find a no fee 0% APR balance transfer offer these days even though interest rates are still relatively low. (Other NFCU cards have no balance transfer fee, but only at a much higher APR, not 0% interest.) For example, doing a balance transfer of $10,000 with a 3% balance transfer fee would add up to $300 already. Add in the $300 value sign-up bonus, and you’re already up to $600 total value in the first year. Transfer a higher balance, and the benefit increases further. NavyFed has a reputation for being generous with credit limits, with $50,000 or $80,000 limits not out of the ordinary.

In terms of competition, the Slate Card from Chase is also currently available with a 0% intro APR for 15 months with no balance transfer fee on both balance transfers and purchases and no annual fee. You must initiate your balance transfer within 60 days of opening the account.

Both cards are good opportunities to lower the interest rate on your existing balances and accelerate any debt payoff plans. You can even pay off student loans.

Plastiq: Pay Tuition, Rent, or Taxes With Credit Card or Debit Card

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New promo. Plastiq has a new promotional rate if you schedule at least six rent or mortgage payments with American Express (2.25%) or Mastercard (1.75%). You must schedule them by October 31, 2016 at 11:59 p.m. PT.

Schedule 6 or more payments, and schedule them as far into the future as you’d like.
-Remember to click “Set Payment Schedule” and not “Review & Pay Now”
-The only limit is your credit card’s expiration date
Make sure those payments are for rent or mortgage
Use a MasterCard OR American Express
Do it before October 31, 2016 at 11:59 p.m. PT

The rates aren’t awesome, but some of you may eek out some gains, especially if you need help with a sign-up bonus hurdle. This is likely in response to their competitor RadPad abruptly ending their rent processing system with no warning (boo).

Original post:

Plastiq.com lets you pay bills and invoices with a credit or debit card, even if they don’t usually accept them. The standard service fee is 2.5% for credit cards and 1% for Visa and MasterCard debit cards. However, they run limited-time promotion with lower fees. They will charge your card and send out a paper check to the payee (direct bank transfers to a few), so you’d want to plan ahead for any snail mail delays. They recommend 10 business days to be safe. More ideas from their site:

  • Rent or Mortgage
  • Homeowners Association (HOA) dues
  • Tuition
  • Childcare costs
  • Buying a car, RV, or ATV
  • Income or business taxes

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(Note: This was only an example given during a 1.5% fee promotion. The current fee may be higher or lower.) Why would I want to pay a 1.5% service fee?

Sign-up bonus spending requirements. Sign-up bonuses often having spending requirements. For example, you might get a $500 value bonus but need to spend $5,000. Well, that’s effectively 10% back so if you need a little help to get over that hurdle, it’s okay to pay a 1.5% fee. Here are some recent cards with big $500 value bonuses but also spending requirements:

2% cash back credit cards, or similar. If you have a rewards credit card that offers 2% cash back (or equivalent value in points), then you can still make a slight profit by putting them on your credit card. A current example is the Citi Double Cash Card. For example, if you have a tuition bill or tax bill of $5,000 and you earned 2% cash back while paying a 1.5% fee, your net 0.5% is $25.

Combine a rewards card + 0% APR on purchases. Many credit cards offer 0% APR on purchases for an introductory period of 12 months or longer. If the card also has a half-decent rewards program on purchases, the combination of purchase rewards and spreading out the payments over a year at no interest could be attractive.

Free 500 Virgin America Points for Newsletter Sign-Up

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Get another 500 free Virgin America Elevate points when you sign up for the new Virgin America Produced e-mail newsletter.

* Offer valid until October 26, 2016. Only one email address is allowed and only one set of 500 points will be awarded per Elevate account number. Bonus reward points earned in this offer do not qualify towards Elevate Gold or Elevate Silver status. Please allow 10 days for your points to post from the promotion end date.

You’ll also extend the expiration of your points balance. Virgin America points expire after 18 months of inactivity. Virgin America is also merging with Alaska Airlines, so these should eventually become Alaska miles.

Follow-up: Georgia Tech Online Master’s Degree in Computer Science for $7,000

gtomsI’m always fascinated by the potential power of cheap, accessible education. Back in 2013, I wrote about how Georgia Tech planned to offer an online master’s degree in Computer Science for only $7,000. Three years later, the NY Times has a follow-up article on the program. Here are my notes in case you’re stuck behind a paywall.

  • Georgia Tech has a Top 10 CS program, according to U.S. News & World Report. Their online version offers lectures from the same professors, the same homework assignments, and the same exams.
  • A few other top universities have online versions of their masters programs, but they charge the same tuition as in-person ($40,000+). Georgia Tech’s online masters can be completed with only $7,000.
  • Through the use of online discussion software, a CS professor claims he now interacts with online students more often than with on-campus students.
  • A study found that this program attracted students that would not otherwise study for a master’s degree. This could be due to cost, geographical limitations, current employment, or other factors. Most enrolled students were older and currently employed while taking courses.
  • The first students started in 2014, and the first class of 20 graduates got their diplomas in December 2015. The current enrollment is over 3,000 students.
  • The Georgia Tech diploma will read “Master of Science in Computer Science,” exactly the same as those of on-campus graduates. There will be no “online” designation for the degrees of OMS CS graduates.

Promotional video below:

It’s still unknown whether this online degree will have the same impact as a traditional on-campus degree. For now, Georgia Tech is still the only university to offer a prestigious, high-quality computer science degree that is both convenient and affordable. The OMSCS program states their $7,000 tuition is priced to just barely cover their costs. Will any other university attempt an “at-cost” pricing model? What if someone extended that model to undergraduate programs?

On a related note, Khan Academy is trying to combine their free online educational materials with “internationally-recognized diplomas that provide direct access to economic and educational opportunities.” I think they should pursue accreditation, which I imagine would require human graders at the very minimum even if they used video lectures and community-based teaching support. Perhaps they can form some sort of volunteer network to keep costs low. Proposal video below:

Amazon Prime Reading: Free Consumer Reports Magazine

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Amazon has introduced another free perk for Amazon Prime members. From the press release for Amazon Prime Reading (emphasis mine):

Amazon today introduced Prime Reading, a new reading benefit for U.S. Prime members. Prime members can now enjoy unlimited reading from a rotating selection of books, magazines, comics and more – at no additional cost. Prime Reading joins the growing list of all-you-can-eat benefits for Prime members including unlimited fast, free Prime shipping, unlimited access to Prime Video, Prime Music, Prime Photos, Audible Channels, early access to Lightning Deals and more.

The Prime Reading library consists of roughly 1,000 titles, which is only a fraction of the $10 a month library available with Kindle Unlimited. But hey, free is free. Here are some financially-related titles that caught my eye:

There’s also complete Lonely Planet travel guides, Sports Illustrated, Bon Appetit, People Magazine, Calvin and Hobbes, the first Harry Potter book. Lots more in sci-fi, mystery, romance, comic books and children’s books.

They say the list is rotating, so I am guessing that if the list changes then you can’t read the books anymore? Or if you download it during the available window, can you keep it forever? I’m guessing the former. I wonder how often they will turn over the list.

New Amazon Prime users can still get a free 30-day trial. Besides a Kindle or Fire tablet, you can read using the Kindle app for iOS/Android, Kindle desktop app for PC/Mac, or simply use the Kindle Cloud Reader in a computer browser.

Platinum Delta Skymiles American Express Companion Certificate

amexdeltaplatThe Delta American Express card line-up has some limited-time bonus bumps going on right now. Offer ends 11/9/16. In particular, I noticed that the Platinum Delta American Express is offering:

  • 70,000 bonus miles after you spend $3,000 in eligible purchases on your new Card in your first 3 months. If you care about elite status, you’ll get 10,000 Medallion® Qualification Miles (MQMs) as well (not actual redeemable miles).
  • In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • First bag checked free.
  • Enjoy a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Platinum Delta SkyMiles Credit Card.
  • $195 annual fee, not waived the first year.

As with all American Express cards, the sign-up bonus is now only one per card per lifetime. If you’ve ever had this card, you can’t get the sign-up bonus again:

Welcome bonus offer not available to applicants who have or have had this product.

The companion certificate as deal-maker and deal-breaker. Frequent fliers often complain about Delta’s poor selection in international business-class redemptions, but some people (like me) just want economy seats to a Delta-served airport. If you regularly travel as a couple or otherwise buy two cross-country domestic economy tickets together on Delta, this companion certificate will easily offset the $195 annual fee all by itself. If you are wasting this free companion ticket, then this card probably won’t be worth keeping around. The paid tickets earn miles, MQDs, and MQMs, but the free ticket does not.

Note that you only earn the certificate upon renewal, so you won’t get it the first year and that means you’ll have paid $390 in annual fees by then. So the first year’s annual fee of $195 must be offset by the sign-up bonus. The limited-time offer of $100 statement credit + 70,000 Skymiles should do the trick, assuming you make decent use of the miles. With the Pay with Miles options, you should get at minimum a 1 cent a mile value. That would make it $100 + $700 – $195 annual fee = $605 value in the first year. For future years, you’ll need to get $200 value out of that companion certificate.

Geographical restrictions. If you live in the contiguous 48 states, you must travel roundtrip to/from the contiguous 48 states. If you live in Hawaii, Alaska, Puerto Rico or the United States Virgin Islands (USVI), then you can originate there to the contiguous 48.

You must pay applicable taxes and fees, which vary and depend upon the number of flight segments included in the itinerary. They will be no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments).

You can book your Delta flights using the certificate online without having to call in. In my experience, the class restrictions on the certificate have not prevented me from getting the lowest fare available, although it can happen. If I can get a $300 ticket for $25 in fees, then I still consider this card worth it given the other perks like one free checked bag per person. If I don’t use it myself, I can also book a flight for a friend/relative and have them pay me back in cash.

Example with screenshots. I have a live companion certificate in my account right now, and I just ran a test flight. Atlanta (ATL) to San Francisco (SFO), 11/23 to 11/30 roundtrip, flights DL 1401 outbound and flight DL 939 return. If I just searched for a single cash ticket, it would have cost $318.70. Two tickets would be $637.40. If I apply the companion certificate, the first ticket again costs $318.70 and the second ticket costs $0 + $28.20 in fees. The first paid ticket costs the exact same amount as it would have otherwise. Thus, my total savings with this certificate is $318.70 – $28.20 = $290.50. See screenshot below for details:

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Here’s a copy of the terms and conditions regarding the companion certificate:

Delta Platinum Companion Certificate at Renewal
Taxes/fees/restrictions: Companion Certificate is valid for one round-trip Main Cabin Companion ticket with the payment of applicable taxes and fees detailed below and the purchase of certain adult round-trip fares on published routings within the 48 contiguous United States. Residents of Hawaii, Alaska, Puerto Rico or the United States Virgin Islands (USVI) must originate from there to the 48 contiguous United States and have an address on their SkyMiles account in Hawaii, Alaska, Puerto Rico or the USVI. Each year, the Companion Certificate will be made available for redemption on delta.com in your renewal month. Applicable government imposed taxes and fees vary and depend upon the number of flight segments included in the itinerary and are no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments). Basic Card Members (not Additional Card Members) with the Gold Delta SkyMiles Credit Card, Platinum Delta SkyMiles Credit Card, Delta Reserve Credit Card, Gold Delta SkyMiles Business Credit Card, Platinum Delta SkyMiles Business Credit Card, and Delta Reserve for Business Credit Card are eligible to receive the first checked bag fee waiver on Delta and Delta Connection carrier tickets. $35 fee for second checked bag. These allowances are subject to size/weight limits. Contact a Delta agent or visit delta.com for details. Taxes and fees are subject to change, are the responsibility of the passenger and must be paid at the time the primary ticket is purchased and the Companion ticket is issued. All fare rules, restrictions, advance purchase requirements, and availability are per rule of primary ticket fare purchased. Seats are only available in L,U,T,X,V classes of service and may not be available on all flights or markets. Companion tickets are not transferable once issued. Companion certificate cannot be combined with another offer or discount including, but not limited to, web fares, sale fares and eCoupons. Primary ticket and Companion ticket must be purchased with your Delta SkyMiles Credit Card. Both passengers must be booked on the same flights and dates, at the same time. Travel for Companion certificate must be booked and completed by the date on the front of certificate. Validity is not based on the calendar year. Redemption is available only on delta.com. Certificate terms and conditions may vary each year of Card Membership. Additional restrictions apply. See Companion Certificate for details.

Citi® Hilton HHonors™ Visa Signature® Card 40,000 Point Offer Review

citi-hilton-hhonors-75kThe Citi® Hilton HHonors™ Visa Signature® Card, from our partner Citi, is their no-annual fee.  Highlights:

  • Earn 40,000 Hilton HHonors Bonus Points after making $1,000 in purchases within the first 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • Enjoy the benefits of HHonors Silver status as long as you are a cardmember*
  • No annual fee.*

This card is ideal for people who at least occasionally stay at Hilton hotels (as this card is also giving you a bunch of points and complimentary Silver status to try and get you to become more loyal). Hilton HHonors points are worth the most when redeemed for a hotel stay, as there aren’t really that many great cash-equivalent redemption options.

Silver Status perks include:

  • 15% bonus on all the HHonors Base Points you earn.
  • 5th night free on Standard Room Reward stays of 5 nights or more.
  • Complimentary in-room and lobby Standard Internet access during stays at Waldorf Astoria™ Hotels & Resorts, Conrad® Hotels & Resorts, Curio – A Collection by Hilton, Hilton Hotels & Resorts, DoubleTree by Hilton™, Canopy™ by Hilton, Embassy Suites Hotels™ and Hilton Grand Vacations™
  • Two complimentary bottles of water per stay (at Waldorf Astoria™ Hotels & Resorts, Conrad® Hotels & Resorts, Curio – A Collection by Hilton, Hilton Hotels & Resorts, DoubleTree by Hilton™, Embassy Suites Hotels™, Hilton Garden Inn™ and Hilton Grand Vacations™ hotels)

Hilton points redemption varies from month to month. You can use this search tool to see how much a hotel will cost in any specific area (i.e. Honolulu or Paris). Here are some example redemptions for the months of October through December:

  • Honolulu, Hawaii. Hilton Waikiki Beach is 40,000 points. Hilton Hawaiian Village Waikiki Beach Resort is 50,000 points. (Cost may be higher from 12/20 to 12/31.)
  • San Francisco, California. Hilton San Francisco Union Square is 50,000 to 60,000 points.
  • Orlando, Florida. DoubleTree by Hilton Hotel at the Entrance to Universal Orlando is 20,000 to 30,000 points.
  • New York City, NU. DoubleTree by Hilton Hotel New York – Times Square South is 70,000 points. Hilton Times Square is 80,000 points.

This Citi Hilton card is the version with no annual fee, the first year or any future year. If you have this card and are looking to sign-up again, please note this fine print:

Hilton HHonors Bonus Points offer not available if you have had a Citi Hilton HHonors Visa Signature Card account that was opened or closed in the past 18 months.

There is also another card called the Citi Hilton HHonors Reserve Card which has a $95 annual fee, but has a bigger upfront bonus and ongoing perks. As you can see above, two free weekend nights can be worth over 160,000 Hilton points. I redeemed for nice stay in Hawaii myself, but I know that some people prefer the simplicity of having no annual fee.

“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.”