Special Coronavirus Relief: Paid Leave, Mortgage Payments, Student Loans, Credit Cards, and Unemployment

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

Wow. I thought that I was prepared, but I must admit that I was still shaken by last week. For those facing severe financial emergencies right now, so I have tried to collect information and links to where you can hopefully find some help. Be prepared advocate for yourself; many of these will only be given to those who ask and are persistent. Everything is in flux as well, so if you don’t find success try again later. There will be more government stimulus coming.

Paid leave for small/mid-sized business employees, including part-time workers and self-employed. Eligible employees can receive up to 80 hours of paid sick leave and expanded paid child care leave for 12 weeks when employees’ children’s schools are closed or child care providers are unavailable. Business must have less than 500 employees (52% of workforce). This is done via refundable payroll tax credits. DOL press release. NYT article.

The act provided paid sick leave and expanded family and medical leave for COVID-19 related reasons and created the refundable paid sick leave credit and the paid child-care leave credit for eligible employers. Eligible employers are businesses and tax-exempt organizations with fewer than 500 employees that are required to provide emergency paid sick leave and emergency paid family and medical leave under the act. Eligible employers will be able to claim these credits based on qualifying leave they provide between the effective date and Dec. 31, 2020. Equivalent credits are available to self-employed individuals based on similar circumstances.

Unemployment insurance. Many states are expanding their eligibility rules for unemployment benefits. You might be eligible if you have to stay at home to care for children. You may not have to officially quit your current job (i.e. your employer temporarily shuts down). You might be eligible if you are under quarantine or have to take care of someone under quarantine or infected. Please visit the Department of Labor for your specific state. CNBC article. DOL.gov/coronavirus.

Mortgage payments. Contact your mortgage or home-equity loan servicer directly to ask about mortgage payment deferral options. Fannie and Freddie Mac have instructed their loan servicers to suspend mortgage payments for up to 12 months if borrowers suffer hardship. In New York, the impacted can defer mortgage payments from any servicer for 90 days. Bank of America is allowing deferrals on a case-by-case basis, with the waived payments being added to the end of their loan term. CNBC article.

Student loans. President Trump announced that federally-held student loans would be set to 0% interest for at least 60 days in addition to being able to request forbearance for 60 days, but there has been a lot of difficulty in actually making the requests with loan servicers as they have cut back on call center hours. There will also be an automatic suspension of payments for any borrower more than 31 days delinquent as of March 13, 2020, or who becomes more than 31 days delinquent. Press release. ED.gov. Studentaid.gov.

Credit cards and auto loans. Chase, Citibank, American Express, US Bank, Discover, Ally Bank, and Apple have all announced some sort of accommodation for coronavirus. The offers are often vague, but it can’t hurt to call and ask for details. For example, Discover says it won’t report late payment to credit bureaus, but what about late fees and penalty APRs? Chase says they might waive fees or extend payment due dates, but only on a case-by-case basis. Apple (if approved) will allow you to skip your March credit card payment without incurring interest charges. Ally Bank will allow deferral of auto loan payments for 120 days, but finance charges will still accrue. Some of these are rather lame, like offering up credit line increases that were always available anyway.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

5% Cash Back Cards: Grocery Stores, Gas Stations, and Wholesale Clubs – April thru June 2020

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

5percentbackActivation open for 2nd Quarter 2020. The credit cards below offer up to 5% cash back on specific categories that rotate each quarter. It takes a little extra attention, but it can add up to hundreds of dollars in additional rewards per year without changing your spending habits. You can also buy gift cards with the 5% back now but spend the gift cards later. New cardmembers may also get an upfront sign-up bonus.

Chase Freedom VisaChase Freedom – $150 Bonus

From April 1st through June 30th, 2020 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Grocery stores. Walmart and Target are not included.
  • Fitness club and gym memberships.

From January 1st through March 31st, 2020 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Gas Stations
  • Internet, Cable & Phone Services. Internet, cable, satellite television and radio, cellular, wireless data, and landline services will qualify.
  • Select Streaming Services. The full list is Disney+, Netflix, Hulu, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, YouTube TV, and ESPN+.

Enroll each quarter at ChaseBonus.com. As long as you activate by the end of the quarter the rewards are retroactive. All other purchases earn 1% back, with no tiers or expiration of rewards. Technically, you earn Ultimate Rewards points which can also be converted to airline miles or hotel points instead of cash if you have a Chase Sapphire Preferred or Chase Sapphire Reserve card. Currently, the Chase Freedom card is offering $150 bonus cash back if you sign up and make $500 in purchases in your first three months. No annual fee.

Discover it 14 ImageDiscover it Card

From April 1st through June 30th, 2020 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Gas stations (stand-alone).
  • Uber and Lyft.
  • Wholesale Clubs. Sam’s Club and BJ’s accept Discover.

From January 1st through March 31st, 2020 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Grocery Stores. Does NOT include Walmart nor Target.
  • Walgreens
  • CVS

Enroll after logging into your online account (look on the right-hand side). 5% rewards won’t apply until after you activate your rewards, so it is best to activate now before you forget. No annual fee.

New cardmember bonus details. If you are a new applicant and sign up via my Discover Card referral link, you will get a $50 Cashback Bonus after your first purchase within 3 months of being approved. You will also get Cashback Match for an entire year – a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. During those 12 months, your $50 Cashback Bonus becomes $100, your 5% cash back rewards becomes 10% cash back, and your 1% cash back rewards become 2% cash back. You can verify this on the application by clicking on “See rates, rewards and other info” and searching for “cashback match” and “statement credit offer”:

Cashback Match: No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you’ve earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You’ve earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.

TERMS OF STATEMENT CREDIT OFFER: Get a $50 Statement Credit after you make your first purchase within 3 months of being approved. Promotional award will be applied within 8 weeks. The promotional award is in addition to the Cashback Bonus earned on all purchases.

ABOC Platinum Rewards Card – $150 Statement Credit Offer

From April 1st through June 30th, 2020 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Dining & Transportation. Eligible MCC code categories include Groceries, Restaurants, Fast Food, Gas, Tolls, Mass Transit, and Ride Share.

You must register each quarter at ABOCRewards.com or in your online account. Currently, the ABOC Platinum Rewards Mastercard is offering a $150 statement credit if you sign up and make $1,200 in purchases in your first 90 days. No foreign transaction fees. No annual fee.

U.S. Bank Cash+ Visa Signature Card. You get to choose the two 5% cash back categories every quarter, out of a preset selection of specific categories:

  • Fast Food
  • Cell Phone Providers
  • Home Utilities
  • Ground Transportation
  • Select Clothing Stores
  • Electronics Stores
  • Car Rentals
  • Gyms/Fitness Centers
  • Sporting Goods Stores
  • Department Stores
  • Furniture Stores
  • Movie Theaters
  • TV, Internet, and Streaming Services

Unfortunately, you can’t pick a broad category like gas stations, restaurants, or grocery stores. Make sure to choose your categories each quarter, even if you want them to stay the same. If you do not choose your categories, all purchases revert to only earning 1% cash back for that quarter.

Currently, the U.S. Bank Cash+ Visa card is offering $150 bonus cash back if you sign up and make $500 in eligible net purchases in your first 90 days. No annual fee.

American Express Blue Cash Preferred Card. This card earns 6% cash back at US supermarkets all year long (on up to $6,000 per year) and. 3% cash back at US gas stations. New: 3% cash back on transit and 6% cash back on Netflix/Spotify/Hulu. I use this card all year long for groceries, and then in December use up the $6k annual limit on gift cards bought in the supermarket aisle. New cardholders are also eligible for a $250 statement credit after $1,000 in purchases within the first 3 months. $95 annual fee. See details in link.

Amazon Prime Rewards Card. Earn 5% back at Amazon.com and Whole Foods all year long. Prime membership required. 2% cash back at restaurants, gas stations, and drugstores (yawn… see below). New cardholder bonus varies by person. No annual fee.

Citi Dividend Card. This card is no longer available to new applicants, but if you still have the grandfathered card you can view and activate your quarterly 5% category here. Limit of $300 cash back for the calendar year.

Don’t settle for the “1% on everything else” that these cards offer. Get 2% cash back or higher. Check out the card-specific reviews for details.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Chase Ink Business Preferred Card Review: 100,000 Point Bonus worth $1,250 Towards Travel

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

inkpreferred2018Updated with new 100k offer. Business credit cards can be used by self-employed or side-gig workers with eBay, Amazon, Etsy, Uber/Lyft, Adsense or other 1099 income that make you a sole proprietorship. The Ink Business Preferred(R) Card has a new 100,000 point bonus for new cardholders, worth at least $1,250 towards travel when redeemed through Chase and potentially more via points transfer to Hyatt hotels, etc. This is their premium travel card with 3X points on travel purchases and the ability to transfer points to airline miles or redeem at a 25% premium through their travel portal. Here are the details:

  • 100,000 bonus points after you spend $15,000 on purchases in the first 3 months. That’s worth $1,250 toward any airfare or hotels booked through the Chase Ultimate Rewards portal (works like Expedia or Travelocity).
  • 3X points per $1 on the first $150,000 spent on travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines.
  • 1X point per $1 on all other purchases with no limit.
  • Ability to transfer points directly to airline mile partners.
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards.
  • No foreign transaction fees.
  • Free additional cards for employees.
  • Primary rental car coverage when renting for business purposes.
  • $95 annual fee.

Ultimate Rewards points. This card offers a 25% bonus on travel bookings made through the Ultimate Rewards travel website. 100,000 Ultimate Rewards = $1,250 in travel. Similar to Expedia or Travelocity, you can book flights on most major airlines, hotel chains, and car rental companies. This makes it much more flexible to spend your points. You can even buy something more expensive and pay the difference.

If you have other Chase cards that earn Ultimate Rewards points like the Ink Business Cash or Ink Business Unlimited, you can transfer points into this card account and take advantage of the 25% premium. However, if you happen to have the Chase Sapphire Reserve card, you could transfer your points over to that card and grab the better 50% premium.

You could think of this card as the small business version of the Chase Sapphire Preferred card.

Prefer airline and/or hotel points? This card also allows you to transfer Ultimate Rewards points into hotel and/or airline miles. Transfer to United Airlines, British Airways, Singapore Airlines, Korean Air, Southwest, Hyatt Hotels, IHG Hotels, and Marriott Hotels at a ratio of 1 Ultimate Rewards point = 1 mile/hotel point. Miles redemption continue to offer great value for savvy travelers, especially for last-minute travel and business class seats.

For example, I could definitely get more than $1,250 in value by converting into 100,000 World of Hyatt points.

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, eBay/Amazon/Etsy sellers, Uber/Lyft drivers, or other one-person business owners. 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.

Note that Chase has an unofficial rule that they will most likely deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.

The good news is that small business cards from Chase don’t show up on personal credit reports, so getting this card in itself won’t affect your future 5/24 eligibility. This it makes a “free” application if you are otherwise eligible.

Bottom line. The Chase Ink Business Preferred Card has a new, bigger 100,000 point sign-up bonus worth at least $1,250 towards travel, along with premium travel features included with the $95 annual fee. You can transfer Ultimate Rewards points from other Chase cards to increase your value. If you’d rather have a more simple cash-focused rewards structure and no annual fee, be sure to compare with the Ink Business Unlimited and Ink Business Cash.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Top 10 Best Credit Card Bonus Offers – March 2020 (Updated)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

Updated March 2020. That space in your wallet or purse is more valuable than you think. Credit card companies are fighting it out, offering strong perks and $500+ value for a single card during the first year to encourage you to apply and try it out. These are the top 10 credit card offers that I would personally apply for right now, if I didn’t already have most of them. Notable changes:

  • IHG Hotels 140k – limited-time offer (highest ever).
  • Delta 70k – card updates, limited-time offer.
  • JetBlue 60k – limited-time offer.
  • United 60k – limited-time offer.
  • Marriott and Southwest limited-time offers ended.

If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. You don’t need to be a “I only fly business class” world traveler. I mostly use my rewards points on domestic economy flights, mid-class hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.

This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.

Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

IHG Rewards Club Premier Card

  • 140,000 IHG Rewards club points after $3,000 in purchases within the first 3 months. Limited-time offer. See link for details.
  • Free Night after each account anniversary year (valued up to 40,000 IHG points).
  • $89 annual fee.
  • Subject to 5/24 rule.

JetBlue Plus Card

  • 60,000 TrueBlue points after $1,000 in purchases within the first 90 days. Limited-time offer. See link for details.
  • Free first checked bag for you and up to 3 companions when you use your JetBlue Plus Card.
  • $99 annual fee.

Gold Delta Skymiles Card from American Express

  • Up to 70,000 bonus miles 60,000 bonus miles after $2,000 in purchases in the first 3 months. Get an additional 10,000 bonus miles after your first card anniversary. Limited-time offer expires 4/1/2020.
  • 60,000 Skymiles are worth at least $600 in Delta airfare with “Pay with Miles” option.
  • New feature – $100 Delta flight credit after $10,000 in purchases on your card in a calendar year.
  • First checked bag free on Delta flights ($60 value per roundtrip, per person). Main Cabin 1 Priority Boarding.
  • $0 annual fee for the first year, then $99.

Chase United Explorer Card

  • 60,000 bonus United miles. after $3,000 in purchases within 3 months. Limited-time offer. See link for details.
  • Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your United ticket.
  • Expanded award availability. Having this card makes it easier to find that saver award economy ticket.
  • $0 annual fee for the first year, then $95.
  • Subject to 5/24 rule.

Chase Sapphire Preferred Card

  • 60,000 Ultimate Rewards points (worth $750 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
  • 2X points on Travel and Dining at restaurants worldwide.
  • $95 annual fee.
  • Subject to 5/24 rule.
  • Alternative: Chase Sapphire Reserve Card. 3X on Travel and Dining, Priority Pass airport lounge access, $550 annual fee, $300 annual travel credit, 1-year Lyft Pink membership.

Citi / AAdvantage Platinum Mastercard

  • 60,000 American Airlines miles after $3,000 in purchases in the first 3 months. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Barclays AAdvantage Aviator Red World Elite Mastercard

  • 60,000 American Airlines miles after any purchase in the first 90 days and paying the $99 annual fee. See link for details.
  • $99 Companion certificate offer. Earn a certificate good for 1 guest at $99 (plus taxes and fees) after making your first purchase and paying the $99 annual fee in the first 90 days.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $99 annual fee.

Citi Premier Card

  • 60,000 points (worth $750 towards travel booked at ThankYou.com) after $4,000 in purchases in the first 3 months. See link for details.
  • 3X points for every $1 spent on travel including gas stations.
  • Must not have gotten bonus from or closed a Citi Rewards+, ThankYou Preferred, Premier, or Prestige card in the past 24 months.
  • $95 annual fee.

Bank of America Premium Rewards Card

  • 50,000 points (worth $500 towards travel) after $3,000 in purchases within the first 90 days. See link for details.
  • 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
  • $100 annual Airline Incidental Statement Credit.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Capital One® Venture® Rewards Card

  • 50,000 miles (worth $500 towards travel) after $3,000 in purchases within the first 3 months. See link for details.
  • 2% cash back on ALL purchases. Plus earn 10X miles at Hotels.com through January 2020.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $0 annual fee for the first year, then $95.

Hawaiian Airlines World Elite MasterCard

  • 60,000 Hawaiian miles after $2,000 in purchases within 90 days. See link for details.
  • Free first checked bag for primary cardmember when using your card to purchase eligible tickets directly from Hawaiian Airlines.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

Chase World of Hyatt Card

  • Up to 50,000 Hyatt points. 25,000 Bonus Points after $3,000 in purchases in the first 3 months. Plus an additional 25,000 Bonus Points after a total of $6,000 in purchases within the first 6 months. See link for details and rough valuation of points.
  • $95 annual fee, free night award upon card anniversary.
  • Subject to 5/24 rule.
My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Marriott Bonvoy Boundless Credit Card Review: 75,000 Point Bonus

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

The Marriott Bonvoy Boundless credit card emerged after the merger of Starwood Preferred Guest and Marriott (formerly the Marriott Rewards Premier Plus card). This card offers unique perks for regular Marriott customers, and offers a 75,000 Marriott Bonvoy point bonus. Here are the highlights:

  • 75,000 bonus points after $3,000 in purchases in the first 3 months from account opening.
  • Additional Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • 6X Bonvoy points per $1 spent at over 7,000 participating Marriott Bonvoy hotels.
  • 2X Bonvoy points per $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year. Gold Status when you spend $35,000 on purchases each account year.
  • 15 Elite Night Credits each calendar year.
  • $95 annual fee.

Keep in mind the following:

The bonus is not available to you if you:

(1) are a current cardmember, or were a previous cardmember within the last 30 days, of Marriott BonvoyTM American Express® Card (also known as The Starwood Preferred Guest® Credit Card from American Express);

(2) are a current or previous cardmember of either Marriott Bonvoy BusinessTM American Express® Card (also known as The Starwood Preferred Guest® Business Credit Card from American Express) or Marriott Bonvoy BrilliantTM American Express® Card (also known as the Starwood Preferred Guest® American Express Luxury Card), and received a new cardmember bonus or upgrade bonus in the last 24 months; or

(3) applied and were approved for Marriott Bonvoy BusinessTM American Express® Card (also known as The Starwood Preferred Guest® Business Credit Card from American Express) or Marriott Bonvoy BrilliantTM American Express® Card (also known as the Starwood Preferred Guest® American Express Luxury Card) within the last 90 days.

That’s a lot of long card names, but note the different 30-day, 90-day, and 24-month waiting periods that may now include Marriott business cards. (See my Marriott Bonvoy Business American Express Card Review.) This is why you should be looking to get the best possible bonus (like a limited-time offer) if you do apply.

The Marriott and Starwood merger is now complete, and you can use these points at either Marriott properties (Ritz-Carlton, Renaissance Hotels, Courtyard, Residence Inn, Springhill Suites, Fairfield Inn & Suites) or former Starwood Properties (Westin, Sheraton, The Luxury Collection, Four Points by Sheraton, W Hotels, St. Regis, Le Méridien, Aloft).

Here’s the current award chart:

You could use 70,000 points on two free nights at a Category 5 hotel like the Courtyard Waikiki Beach in Hawaii on a standard date, or you could get 4 free nights at a Category 3 hotel like the Residence Inn Austin Arboretum.

You can still turn your points into airline miles with a bonus. 60,000 Marriott points = 25,000 airline miles. Similar to the old Starwood bonus structure, they will add 15,000 points for every 60,000 points you transfer to airline miles.

Finally, Marriott points are also 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 so you’ll definitely get the most value via hotel night redemptions or airline miles transfer.

Free Night Award. At your card anniversary (when you pay the annual fee), you will receive a Free Night Award that is good for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. This excludes the very top properties, but for regular travelers it will be very easy to get your $95 value. Many W Hotels, Westin, and even some Ritz-Carltons worldwide are included. Here are some sample hotels that qualify under the 35,000 point limit:

  • Sheraton Kona Resort (Big Island, Hawaii)
  • Westin Hapuna Beach Resort (Big Island, Hawaii)
  • Courtyard Waikiki Beach (Honolulu, Oahu)
  • Sheraton Kauai Resort (Kauai, Hawaii)
  • W Atlanta
  • New York Marriott at the Brooklyn Bridge
  • Chicago Marriott Downtown Magnificent Mile
  • W Chicago
  • The Ritz-Carlton, Beijing, China
  • The S. Regis Bangkok, Thailand

Bottom line. The Marriott Bonvoy Boundless Credit Card (formerly the Marriott Rewards Premier Plus Credit Card) has a sign-up bonus offer of 750,00 Marriott points. As with all hotel cards, the value is dependent on your unique travel preferences. If you stay at Marriott/Starwood properties regularly, the free annual night award should easily cover the annual fee.

Also see: Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Best 0% APR Balance Transfer Credit Cards – February 2020

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

0apr

I enjoy my credit card rewards, but carrying a balance at 15%+ interest is much more impactful on your finances! In fact, the WSJ reports that companies are charging higher interest rates because of their generous rewards programs. If you are ready to pay down that debt, consider transferring your balance to another issuer at a lower rate. Shopping around can save you thousands in interest.

You’ll want the best combination of the longest 0% APR period and the lowest balance transfer fees. Having no balance transfer fee is obviously best, but if you need to spread out your payments, it may be better to pick a longer term with a modest balance transfer fee. For example, if you are paying 20% APR, that’s like paying 1.66% on your balance every month. Below are the best 0% APR balance transfer offers from a variety of issuers (since you can’t transfer balances within the same issuer) as of February 2020.

1) Amex EveryDay Card from American Express0% Introductory APR for 15 months on both purchases and balance transfers and no balance transfer fee during the first 60 days after opening the account. After the intro APR offer ends, a variable APR will apply. Plus, earn a bonus 20,000 Membership Rewards points after you use your new Card to make $2,000 in purchases in your first 3 months. No annual fee.

2) Citi Simplicity Card – 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. 0% Intro APR on purchases for 12 months from date of account opening. After the intro APR offer ends, a variable APR will apply. This card provides a longer term, but note that there is a balance transfer fee of 5% of the amount of each credit card balance transfer or $5, whichever is greater. No annual fee.

3) BankAmericard Credit Card0% Introductory APR for 15 billing cycles on both balance transfers and purchases and no balance transfer fee during the first 60 days after opening the account. After the intro APR offer ends, a variable APR will apply. No annual fee.

Slate from Chase Card Art 4) Chase Slate Card0% Introductory APR for 15 months on both balance transfers and purchases and no balance transfer fee during the first 60 days after opening the account. After the intro APR offer ends, a variable APR will apply. No annual fee.

5) First Tech Fed Choice Rewards Card0% Introductory APR for 12 months on balance transfers and no balance transfer fee during the first 90 days after account opening. After the intro APR offer ends, a variable APR will apply. You must be an First Tech Federal Credit Union member to obtain this card, but membership is open to everyone who joins a partner organization for as little as $8. No annual fee.

6) ABOC Platinum Rewards Credit Card0% Introductory APR for 18 months on balance transfers with a 3% fee (minimum $5). You must transfer your balance within 90 days of your account open date for the promotional APR to apply. After the intro APR offer ends, a variable APR will apply. You also get 5X rewards on rotating categories each quarter. No annual fee.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Alliant Credit Union Visa Signature Card Review: 2.5% Cash Back (Up to $10k/Month)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

alliantcc

Updated with new spending caps. Alliant Credit Union, the 5th largest US credit union by assets, has updated the terms of their Alliant Visa Signature Credit Card. This cash back rewards card has a headline feature of 2.5% cash back. However, they have now added a spending cap of $10,000 per monthly billing cycle (i.e. you can get $250 cash back max per month). The $99 annual fee is waived during the first year (note that the 3% cash back promo during the first year is also gone). Here are all of the highlights:

  • 2.5% flat cash back with no categories to track.
  • Maximum cash back is $250 ($10,000 in qualifying purchases) per billing cycle.
  • $99 annual fee, waived the first year.
  • No foreign transaction fees.
  • You must be an Alliant Credit Union member to apply for this card.

Cardholders can choose to receive cash back rewards via a credit card statement credit (appearing within one billing cycle) or as a deposit into your Alliant checking or savings.

If you have an existing Alliant credit card, you can ask for it to be converted to this card.

The $10,000 spending cap per month will also apply to existing cardholders.

Comparison numbers against a 2% cashback card with no annual fee and no sign-up bonus. Instead of a flat sign-up bonus, with this card you are basically getting a 0.5% boost to your cash back in the first year. If you charge $1,000 a month, 1% more is $60 more cash back over a year. If you charge $4,000 a month, 0.5% more is $240 more cash back over a year.

After the first year, with this card you’ll get 0.5% more cash back but also pay the $99 annual fee. That makes the breakeven point $19,800 per year in annual spending (roughly $1,650 per month). If you spend more than that, the extra cashback will offset the annual fee. If you spend less, you will have more rewards with the 2% card.

Competition. The following cards currently offer a competitive level of cash back rewards. Please read my card-specific reviews for details.

Alliant CU membership eligibility. If you start the online membership application, it does a good job of walking you through their various eligibility options. The good news is anyone that is willing to donate $10 to Foster Care to Success is able to join. Here are their membership groups:

  • Any employee or retiree of a Qualifying Company.
  • Any member of a Qualifying Organization.
  • Any immediate family member of an existing Alliant member.
  • Anyone who lives or works in a Qualifying Chicagoland Community.
  • Anyone who is willing to make a one-time $10 donation to the Foster Care to Success charity group.

Bottom line. The Alliant Visa Signature Credit Card offers 2.5% flat cash back on all purchases with a $99 annual fee. As a first year promotion, the annual fee is waived. The annual fee makes it best for people that make a high amount of purchases on their credit cards, at least $20,000 a year just to break even with a 2% cash back card. Alliant Credit Union membership is open to anyone willing to donate $10 to Foster Care to Success.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Have a Small Business? Get Companion Pass With A Single Credit Card 100k Bonus

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

New limited-time 100k small business card bonus. Southwest Airlines offers a unique feature called the Companion Pass, which lets you pick one person to fly with free when you book either paid or award flights (including to Hawaii!). If you either fly 100 qualifying one-way flights or earn 125,000 qualifying points (or 100 one-way flights) within calendar year 2020, you’ll earn the Companion Pass for the remainder of 2020 and all of 2021! (That makes right now the perfect time to start your collecting.) You can change your designated companion up to three times each calendar year.

Points earned from credit cards count toward that 125,000 point requirement, including sign-up bonuses. You can often get very close to that magic number when you add up the potential miles from these Southwest consumer and business cards. This is on top of the value of redeeming those points for miles (75,000 points can get you $1,100+ in Wanna Get Away airfare).

New! – Qualify for a Companion Pass in 2020 and 2021 with a single credit card sign-up and 25k in qualifying purchases! For a limited-time, if you apply for the Southwest Rapid Rewards Performance Business card (see below) and can satisfy the required $5,000 in purchases in the first 3 months and $25,000 in purchases in the first 6 months, you will have earned at least 25,000 Rapid Rewards points from your spendings PLUS the 100,000 bonus points, which brings you to a total of 125,000 points = Companion Pass! Not to mention the roughly $1,500 worth of in Wanna Get Away airfare.

Southwest Rapid Rewards Performance Business card

  • Up to 100,000 bonus Rapid Rewards points. Earn 70,000 points after $5,000 in purchases in the first 3 months. Earn an additional 30,000 points after $25,000 in purchases in the first 6 months, for a total of 100,000 points.
  • 9,000 bonus points after each Cardmember anniversary.
  • 3 points per $1 spent on Southwest Airlines® purchases.
  • 2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Inflight WiFi Credits of up to 365 x $8 credits.
  • Global Entry or TSA PreCheck® Fee credit in the form of a statement credit of up to $100 every four years.
  • $199 annual fee.

Here is the rest of the Southwest credit card line-up:

Southwest Rapid Rewards® Priority card

  • 40,000 bonus Rapid Rewards points after you $1,000 in purchases in the first 3 months.
  • 7,500 bonus points after each Cardmember anniversary.
  • $75 Southwest annual travel credit.
  • Four Upgraded Boardings per year when available.
  • 20% back on inflight drinks, WiFi, messaging, and movies.
  • Earn tier qualifying points towards A-list status.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases.
  • 1 point per $1 spent on all other purchases.
  • $149 annual fee.

Southwest Rapid Rewards® Plus credit card

  • 40,000 bonus Rapid Rewards points after you $1,000 in purchases in the first 3 months.
  • 3,000 bonus points after each Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases.
  • 1 point per $1 spent on all other purchases.
  • $69 annual fee.

Southwest Rapid Rewards® Premier card

  • 40,000 bonus Rapid Rewards points after you $1,000 in purchases in the first 3 months.
  • 6,000 bonus points after each Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases.
  • 1 point per $1 spent on all other purchases.
  • $99 annual fee.

Southwest Rapid Rewards Premier Business card

  • 60,000 Rapid Rewards points after you spend $3,000 on purchases in the first 3 months.
  • 6,000 bonus points after each Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases.
  • 1 point per $1 spent on all other purchases.
  • $99 annual fee.

Value of Rapid Rewards points. Redeeming Southwest points for flights varies in a narrow range, but a very reasonable approximation from my experience is 1.5 cents in Wanna Get Away airfare in per point. That works out to $600+ in Wanna Get Away airfare from 40,000 points or $900+ in Wanna Get Away airfare for 60,000 points or $1,100+ in Wanna Get Away airfare from 75,000 points (you are still liable for taxes and fees from $5.60 one-way). Importantly, Southwest does NOT have blackout dates or seat restrictions when you redeem with points. This means that Southwest points are much easier to use than a “saver award” on traditional airlines.

Now, if you manage to qualify for the the Companion Pass on every trip that you book with those points, that doubles the potential value of each award redemption. In other words, 125,000 Rapid Rewards, would usually get you $1,850 in Wanna Get Away airfare, but with the Companion Pass you’d get an extra companion ticket for every flight booked.

A backup option is gift card redemptions. You can currently redeem 6,750 points for a $50 a Amazon.com or Walmart gift certificate. That makes 60,000 points worth $444 in Amazon or Walmart gift cards. It’s something, but less than half the value you could get from redeeming for flights.

Southwest still includes two free checked bags per person. The fees on the other airlines have crept up to $30 per bag, each-way. That adds up.

Our family policy is to not try out a new credit card unless it offers us $500 in total value. Just the free award flights from the points are enough to satisfy that rule, and then you can add on the potential value of the companion tickets.

Card restrictions. All of these Southwest credit cards are subject to “5/24” restrictions, which means that your application will be automatically denied if you have opened 5 or more credit cards in the last 24 months (check your credit reports). Our household strategy is to have one person only apply for Chase 5/24 cards, and the other person applies for everything else. There is also this language on the consumer card:

The product is not available to either (i) current Cardmembers of any Southwest Rapid Rewards® Credit Card, or (ii) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months. This does not apply to Cardmembers of the Southwest Rapid Rewards Business Card and Employee Credit Card products.

Basically, you can get one sign-up bonus from a Southwest consumer card once every 24 months. You can also get one sign-up bonus from a Southwest business card once every 24 months.

Extending your Companion Pass with Chase Ultimate Rewards points. If you have the Chase Sapphire Preferred or Chase Sapphire Reserve, you can transfer Ultimate Rewards points to Southwest points on a 1:1 basis. The idea is is to book an award flight with those Southwest points while you have the Companion Pass, thus doubling the value of your Ultimate Rewards points as well.

Bottom line. Right now, you can earn up to 100,000 Southwest points from qualifying for a single credit card sign-up, which in itself can be redeemed for a lot of free Southwest flights (including to Hawaii!). Earning 125,000 points overall (including from credit card rewards and bonuses) in a year will earn you the Southwest Companion pass, which provides a free companion ticket on every flight bought with cash or points for the rest of the current year and all of the next year. Finally, Southwest still includes two free checked bags per person on every flight.

Also see: Top 10 Best Credit Card Bonus Offers and also the Top 10 Best Business Card Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Reminder: Ongoing Benefits From Equifax Data Breach Settlement

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Although the deadline to file a claim for the huge 2017 Equifax Data Breach Settlement has now passed, here is a quick reminder that there are still ongoing benefits available, including the ability to get a free credit report every other month:

Six (6) free Equifax credit reports per year. All U.S. consumers can now get 6 free credit reports per year through 2026 by visiting the Equifax website or by calling 1-866-349-5191. This is in addition to the one free Equifax report (plus your Experian and TransUnion reports) you can get every rolling 12 months at AnnualCreditReport.com.

Free identity restoration services. For at least seven years, you can get free identity restoration services. If you discover misuse of your personal information, call the settlement administrator at 1-833-759-2982. You will be given instructions for how to access free identity restoration services.

Reimbursement for identity theft expenses. You can still file a claim for any expenses you incur between January 23, 2020, and January 22, 2024, as a result of identity theft or fraud related to the breach, such as:

  • Losses from unauthorized charges to your accounts
  • Fees you paid to professionals, like accountants or attorneys, to help you recover from identity theft
  • Other expenses you incurred while recovering from identity theft, like notary fees, document shipping fees, postage, mileage, and phone charges.
My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

JetBlue Plus Card: 60,000 Point Limited Time Offer

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

jetblueplusThe JetBlue Plus credit card has a limited-time offer for 60,000 bonus TrueBlue points for first-time cardmembers. The previous bonus was 40,000 points. Here are the highlights:

  • 60,000 bonus TrueBlue points after spending $1,000 on purchases in the first 90 days and paying the $99 annual fee.
  • First checked bag is free for the primary cardmember and up to 3 companions when you use your JetBlue Plus Card.
  • 6X points on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue flights. – Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Annual $100 statement credit after you purchase a JetBlue Vacations package of $100 or more.
  • Points awarded in your TrueBlue account don’t expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases including cocktails, food and movies.
  • Get 10% of your points back every time you redeem to use toward your next redemption.
  • 5,000 TrueBlue bonus points annually after your account anniversary.
  • $99 annual fee.

First checked bags on JetBlue usually cost $30 each-way, per person. The free checked bag perk applies to you and up to 3 travel companions on the same reservation when (1) the ticket is purchased with your JetBlue Plus card, (2) the primary cardmember’s TrueBlue member number must be entered at the time of booking. That works out great for a family traveling together. If you buy higher fare classes, a certain number of complimentary bags may already be included.

How does redeeming TrueBlue points work? TrueBlue works on a revenue-based system, where the points required depends on the current cash cost of the flight (with no blackout dates). If they sell it for cash, you can book it with points. This is opposed to traditional chart-based systems that charge a fixed point balance but imposes blackout dates and limited seat availability.

TrueBlue points are best redeemed for JetBlue flights. There are some other options like newspaper or magazine subscriptions, but I won’t cover them here.

TrueBlue points can be estimated at 1 points = 1.4 cents. Ex. 30,000 points would cover $420 in JetBlue airfare. The exact value may vary, but 1.4 cents is very close to what I found across Blue, Blue Plus, and Blue Flex fares. You can easily test it out yourself by pricing out the same flight on JetBlue.com using points or cash.

This means 2X points back on restaurants and groceries can be estimated as 2.8% back in the form of TrueBlue airfare. The 3X points back on Jetlue-operated flights can be 4.2% back in the form of TrueBlue airfare. The 6X points back with the Plus card on Jetlue-operated flights can be 8.4% back in the form of TrueBlue airfare.

Upon the renewal of your $99 annual fee, you get another 5,000 TrueBlue points ($70 of airfare value at 1.4 cents/point). If you can take advantage of the free checked bag perk, there is definitely ongoing value for regular JetBlue fliers. I haven’t investigated the $100 off a JetBlue Vacations package, but it could be worth something as well.

Bottom line. The JetBlue Plus card from Barclaycard is running a limited-time offer. At 1.4 cents per TrueBlue point, 60,000 bonus points can be valued at $840 towards JetBlue fares. Minus the $99 annual fee, and that is still a very solid first-year value for even casual JetBlue customers. Add the baggage perk which you could value at an additional $60 per roundtrip Blue fare, per person (covers you and 3 companions, so great for a family traveling together). You would need to be a regular JetBlue flier to get value out of the card on an ongoing basis.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Delta SkyMiles American Express Cards: New Limited-Time Offers Up to 100,000 Miles

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

Cards updated. Delta Airlines has updated their line-up of co-branded American Express cards. These still offer various special perks like free checked bags, priority boarding, and the ability to earn Delta Skymiles with card purchases. In addition, as you can only get the welcome bonuses once on each of these cards per person per lifetime (each card is considered different, but these are not “new” cards), I recommend waiting until a limited-time offer to maximize your benefit. Here are the latest such offers:

Delta SkyMiles® Gold American Express Card

  • Up to 70,000 bonus miles 60,000 bonus miles after $2,000 in purchases in the first 3 months. Get an additional 10,000 bonus miles after your first card anniversary. Limited-time offer expires 4/1/2020.
  • New – $100 Delta flight credit after $10,000 in purchases on your card in a calendar year.
  • First checked bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four ($30 each way, per person).
  • Main Cabin 1 Priority Boarding.
  • New – 2X miles at restaurants worldwide and U.S. supermarkets. 2x miles on Delta direct purchases. Earn 1 miles per dollar spent on all other eligible purchases.
  • $0 annual fee for the first year, then $99.

Delta offers a minimum value out of your Skymiles via the “Pay with Miles” option. That means 60,000 Skymiles can reduce the price of your Delta ticket by $600 at the very least. (5,000 mile = $50 minimum redemption.) You can still book the traditional award tickets and possibly get better value.

Delta SkyMiles® Platinum American Express Card

  • Up to 100,000 bonus miles 80,000 bonus miles after $3,000 in purchases in the first 3 months. Get an additional 20,000 bonus miles after your first card anniversary. Limited-time offer expires 4/1/2020.
  • 10,000 Medallion Qualification Miles (MQMs) after $25,000 in purchases in a calendar year, up to two times per year. This helps get you reach elite Medallion Status, but does not earn you miles towards reward flights.
  • New – Fee Credit for Global Entry or TSA PreCheck. Worth up to $100 towards Global Entry membership (which includes TSA PreCheck).
  • Domestic Main Cabin round-trip companion certificate each year upon renewal.
  • First checked bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four ($30 each way, per person).
  • Main Cabin 1 Priority Boarding.
  • 2X miles at restaurants worldwide and at U.S. supermarkets. 3X miles Delta direct purchases. Earn 1 miles per dollar spent on all other eligible purchases.
  • $250 annual fee.

BUSINESS Card Versions

Delta SkyMiles® Gold Business American Express Card

  • Up to 70,000 bonus miles 60,000 bonus miles after $2,000 in purchases in the first 3 months. Get an additional 10,000 bonus miles after your first card anniversary. Limited-time offer expires 4/1/2020.
  • New feature – $100 Delta flight credit after $10,000 in purchases on your card in a calendar year.
  • First checked bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four ($30 each way, per person).
  • Main Cabin 1 Priority Boarding.
  • 2X miles at restaurants worldwide, at U.S. supermarkets, and on Delta direct purchases. Earn 1 miles per dollar spent on all other eligible purchases.
  • $0 annual fee for the first year, then $99.

Delta offers a minimum value out of your Skymiles via the “Pay with Miles” option. That means 60,000 Skymiles can reduce the price of your Delta ticket by $600 at the very least. (5,000 mile = $50 minimum redemption.) You can still book the traditional award tickets and possibly get better value.

Platinum Delta SkyMiles® BUSINESS Credit Card from American Express

  • Up to 100,000 bonus miles 80,000 bonus miles after $3,000 in purchases in the first 3 months. Get an additional 20,000 bonus miles after your first card anniversary. Limited-time offer expires 4/1/2020.
  • 10,000 Medallion Qualification Miles (MQMs) after $25,000 in purchases in a calendar year, up to two times per year. This helps get you reach elite Medallion Status, but does not earn you miles towards reward flights.
  • Fee Credit for Global Entry or TSA PreCheck. Worth up to $100 towards Global Entry (which includes TSA PreCheck).
  • Domestic Main Cabin round-trip companion certificate each year upon renewal.
  • First checked bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four ($30 each way, per person).
  • Main Cabin 1 Priority Boarding.
  • 2X miles at restaurants worldwide and at U.S. supermarkets. 3X miles Delta direct purchases. Earn 1 miles per dollar spent on all other eligible purchases.
  • $250 annual fee.

In my opinion, the Delta Gold is still the best for most casual Delta customers because of the free checked bag, new $100 flight credit, and relatively big sign-up bonus. The main draw of the Platinum is the MQMs for those that fly a lot on Delta (note that you don’t earn actual rewards miles) and the companion certificate. I have used the companion certificate several times in the past and have gotten good value out of it. However, the annual fee is now $250 for the Platinum so the math is a lot tighter.

I will be adding the Delta Gold Skymiles limited-time offer and annual fee waiver to my list of the Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Bank of America Free Museum Tickets 2020 Dates

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

Bank of America is running their Museums on Us program again for 2020, which offers cardholders free admissions to 200+ museums, science centers, and botanical gardens nationwide on the first full weekend of every month (Saturday and Sunday). Each person just needs to show their valid Bank of America or Merrill Lynch credit/debit card and photo ID for free admission.

Each cardholder gets one free general admission for themselves only, so be sure everyone with their own cards brings them. If you have a BofA credit card, you may consider adding family members (of any age) as a free authorized user. Another option is to open a Kids Savings Account with no monthly fee and also comes with a debit card. You may need to open this in a physical branch.

2020 Calendar Dates (Check specific museum for hours)

  • January 4th & 5th
  • February 1st & 2nd
  • March 7th & 8th
  • April 4th & 5th
  • May 2nd & 3rd
  • June 6th & 7th
  • July 4th & 5th
  • August 1st & 2nd
  • September 5th & 6th
  • October 3rd & 4th
  • November 7th & 8th
  • December 5th & 6th

Here is the full list of participating locations. For example, one of the available museums is the Thinkery in Austin, Texas. We found it to be a fun and interactive children’s science center. The admission was $12 per person including kids (23 months and under free), which means this could have saved our family of five a total of $60 for that one day. I’ve seen other museums on their list with $20 admission prices.

Sign up for reminders! I admit that I’ve probably missed more free dates than I’ve actually gone. I recommend signing up for their free e-mail reminder before each free weekend. I signed up and didn’t notice any horrible spam from BofA, just the reminders.

Bottom line. While I wouldn’t open a new bank or credit card account for this feature, free museum admission on the first full weekend of every month is a nice perk if you already have accounts with Bank of America.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.