Capital One Venture Rewards Credit Card: 2X Miles on All Purchase + 75,000 Bonus Miles Offer

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

Offer increased to 75k. The Capital One Venture Rewards credit card is their premium travel rewards card with unlimited 2x miles per dollars on all purchases. 75,000 miles can be redeemed as a $750 credit towards any travel purchase made with the card (any airline, any hotel, AirBNB stays, Uber rides, no blackout dates). Here are the highlights:

  • One-time 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Flat 2X miles on ALL purchases.
  • Up to $100 application fee credit for Global Entry or TSA PreCheck.
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get our best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn.
  • No foreign transaction fees.
  • $95 annual fee.

(Capital One’s new “ultra-premium” card is the Venture X card, which has more perks including Priority Pass airport lounge access and a $300 annual travel credit through Capital One Travel, but also a higher $395 annual fee. This Venture cardis more directly competitive with the Chase Sapphire Preferred, while the Venture X competes more directly with the Chase Sapphire Reserve.)

Redemption details. Capital One “miles” can be redeemed directly for a cash statement credit on a 1 mile = $0.01 basis when offsetting any travel purchase made on the card within the past 90 days. In other words, 50,000 miles = $500 toward travel. That means you can fly on any airline or stay at any hotel, pay with this card, and then “erase” that purchase using your miles balance later. This even includes AirBnB vacation rentals, car rentals, and Uber rides.

This means that earning 2 miles on on every $1 in purchases essentially makes this a 2% back card when applied towards travel. You can also book travel through their travel portal (powered by Orbtiz), similar to Chase Ultimate Rewards, but you are not required to do so. You just charge travel directly on your card, which is more flexible.

Miles transfer options. Capital One now allows you to transfer your “miles” into select airline miles programs as well. Here are the airline transfer partners:

  • Aeromexico
  • Air France/KLM
  • Air Canada Aeroplan
  • Cathay Pacific Asia Miles
  • Avianca Lifemiles
  • British Airways Avios
  • Emirates Skywards
  • Etihad
  • EVA
  • Finnair
  • Qantas
  • Singapore Airlines Krisflyer
  • TAP Air Portugal
  • Turkish Airlines
  • Virgin Red

Hotel partners

  • Accor Live Limitless
  • Choice Hotels

If you know how to leverage one of these international airline miles programs, this can be a very valuable option. Otherwise, it’s nice to know you can always get a certain level of value by redeeming against any travel purchase.

Bottom line. The Capital One Venture Rewards credit card earns 2x miles on all purchases, which you can either redeem against any travel purchase or transfer to one of their airline/hotel partners. Right now, there is an offer of 75,000 bonus miles, worth $750 towards travel.

Due to the $500+ first-year value, I will be adding this card to my list of 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.

Top 10 Best Small Business Credit Card Bonus Offers – May 2022

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

Updated May 2022. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes:

  • Added Hilton 130k+$130 credit, JetBlue 80k+$99, Hawaiian 80k+$99, Barclays AA, Spark Cash Plus $1,000.
  • Removed Delta 70k, United 150k, CapOne $3,000, Wyndham 90k, AA 80k.

This is a companion post to my Top 10 Best Credit Card Bonus Offers for personal cards. Notice that small business bonuses are on average even higher than those on consumer cards.

Business Platinum® Card from American Express

  • 120,000 Membership Rewards points after $15,000 on eligible purchases in the first 3 months.
  • HUGE list of additional perks including $400 Dell, $360 Indeed, $150 Adobe, $120 wireless phone annual credits, $200 annual airline fee credit, $189 CLEAR credit, Centurion airport lounge access, and more. See link for details.
  • $695 annual fee.

Chase Ink Business Preferred Card

  • 100,000 Ultimate Rewards points (worth $1,000 straight cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards® after $15,000 in purchases in the first 3 months. See link for details.
  • 3X points on the first $150,000 spent on travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines.
  • Primary rental car coverage when renting for business purposes.
  • $95 annual fee.
  • Subject to 5/24 rule.*

American Express Blue Business Cash Card

  • Up to $500 in Statement Credits. Earn a $250 Statement Credit after $5,000 in qualifying purchases on your Card within the first 6 months. Plus, earn an additional $250 statement credit after an additional $10,000 or more in qualifying purchases within the first year of Card Membership.
  • 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • No annual fee.

JetBlue Business Card

  • 80,000 bonus TrueBlue points + $99 statement credit. 80,000 bonus points + $99 statement credit after spending $2,000 in first 90 days. Limited-time offer. See link for details.
  • First checked bag free for the primary cardmember and up to 3 companions when tickets are purchased with your JetBlue Plus Card.
  • $99 annual fee.

Hawaiian Airlines Business MasterCard

  • 80,000 Hawaiian miles + $99 statement credit. 80,000 miles + $99 statement credit after $2,000 in purchases within the first 90 days. Limited-time offer. See link for details.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

Barclays AAdvantage Aviator Business Card

  • 80,000 American Airlines miles + $95 statement credit. 80,000 bonus miles + $95 statement credit after $2,000 in purchases in the first 90 days. Limited-time offer. See link for details.
  • First checked bag free on domestic AA flights for you and up to 4 companions ($60 value per roundtrip, per person).
  • $95 annual fee.

Hilton Honors American Express Business Card

  • Up to 130,000 Hilton Honors points + $130 statement credit. 130,000 Hilton Honors points after $3,000 in purchases in first 3 months of Card Membership. Plus up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. Offer expires 7/6/2022. See link for details.
  • Free Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • $95 annual fee.

Southwest Rapid Rewards Performance Business Card

Chase Ink Business Unlimited Card

  • $750 bonus cash back after $7,500 in purchases in the first 3 months. See link for details.
  • Flat 1.5% cash back on all purchases with no limit.
  • No annual fee.
  • Subject to 5/24 rule.*

Chase Ink Business Cash Card

  • $750 bonus cash back after $7,500 in purchases in the first 3 months. See link for details.
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • No annual fee.
  • Subject to 5/24 rule.*

World of Hyatt Business Card

  • 60,000 Hyatt points after $5,000 in purchases in the first 3 months. See link for details and rough valuation of points.
  • Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • $199 annual fee.
  • Subject to 5/24 rule.

Bank of America Business Advantage Cash Rewards Card

  • $500 statement credit after $5,000 in purchases in the first 90 days. See link for details.
  • 3% cash back on your choice of six categories. 2% cash back on dining and unlimited 1% cash back on all other purchases. The 3% and 2% cash back applies to the first $50,000 in combined category/dining purchases each calendar year, 1% thereafter.
  • No annual fee.

US Bank Business Leverage Card

  • 75,000 bonus points after $7,500 in purchases (on the Account Owner’s Card only) in first the 4 months. 75,000 bonus points can be redeemed for $750 in cash back. Plus see Visa Olympic Games Beijing 2022 Bonus Offer. See link for details.
  • Availability may be restricted to certain states.
  • $0 annual fee for the first year, then $95.

Capital One Spark Cash Plus Business Card

  • Up to $1,000 cash bonus. $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening. See link for details.
  • Unlimited 2% cash back on all purchases with no limit.
  • $150 annual fee.

Capital One® Spark® Miles for Business Card

  • 50,000 miles (worth a $500 statement credit) after $4,500 in purchases in the first 3 months. See link for details.
  • Flat 2X points per dollar spent on all purchases with no limit.
  • $0 annual fee for the first year, then $95.

Alaska Airlines Visa Business Card (Bank of America)

  • 40,000 Alaska miles + $200 statement credit + Companion Fare Voucher after $2,000 in purchase within 90 days. See link for details.
  • Companion fare voucher is “Buy one ticket, get one for $121” ($99 fare plus taxes and fees from just $22).
  • Free checked bag on Alaska flights for you and up to six other passengers on the same reservation.
  • $50 annual fee for company, plus $25 per card.

Marriott Bonvoy Business American Express Card

  • 75,000 Marriott Bonvoy bonus points after $3,000 of eligible purchases within first 3 months. See link for details.
  • Free night award upon card anniversary (worth up to 35,000 Bonvoy points). Earn an additional Free Night Award after spending $60K in purchases on your Card in a calendar year.
  • Annual fee is $125.

* 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 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.

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 – May 2022 (Updated)

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

Updated and checked May 2022. That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. We participate in various financial offers for thousands of dollars in extra income (over $5,000 in 2021). These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:

  • Added Hilton 100k no AF, Sapphire 80k, Marriott 3 Free Nights, United 70k, IHG 120k no AF, Aeroplan 100k, AmEx Platinum.
  • Removed Aeroplan 100k, Delta 70k, Southwest Easy Companion Pass, Hilton 130k+Free Night, IHG 125k+Free Night, AA Red (drop to 50k), JetBlue 70k, Wyndham 90k.

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.

Chase Sapphire Preferred Card

  • 80,000 Ultimate Rewards points (worth $1,000 minimum towards travel and more) after $4,000 in purchases within the first 3 months. Up to 25% boost in Ultimate Rewards redemptions. See link for details.
  • $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards(R), 3x on dining and 2x on all other travel purchases.
  • $95 annual fee.
  • Subject to 5/24 rule.*
  • Upgrade pick: Chase Sapphire Reserve Card. Higher travel perks including airport lounge access, higher annual fee.

Capital One Venture X Rewards Card

  • 75,000 miles (worth $750 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
  • $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One Travel.
  • Priority Pass airport lounge access.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $395 annual fee.

IHG Rewards Club Traveler Card

  • 120,000 IHG Rewards club points after $2,000 in purchases within the first 3 months. See link for details.
  • 4th Award Night Free (Book 3 nights in a row with points, 4th is free)
  • No annual fee.
  • Subject to 5/24 rule.*

The Platinum Card from American Express

  • 100,000 Membership Rewards points after $6,000 in purchases in the first 6 months. Plus 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months. See link for details.
  • $200 Hotel Credits, $240 Streaming Credits, $200 Airline Fee Credits, $200 Uber Cash, $189 CLEAR Credit, $300 Equinox credit, $100 Shop Saks credit and more annually!
  • $100 Global Entry or $85 TSA PreCheck fee credit.
  • Premium airport lounge access through the American Express Global Lounge Collection®.
  • $695 annual fee.

Chase United Explorer Card

  • Up to 70,000 bonus United miles. 60,000 bonus miles after $3,000 on purchases in the first 3 months + additional 10,000 miles after $6,000 total on purchases in the first 6 months. 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.

U.S. Bank Altitude Connect Visa Signature Card

  • 50,000 bonus points (worth $500 in statement credits) after $3,000 in purchases within 120 days. See link for details.
  • 4X points on travel and gas stations, 2X points on dining and grocery stores.
  • Up to $100 statement credit for Global Entry or TSA PreCheck.
  • $30 annual streaming bonus.
  • $0 annual fee the first year, $95/year thereafter.

Hilton Honors American Express Card

  • 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $100 Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. See link for details.
  • No annual fee.

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.
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $0 annual fee for the first year, then $99.

American Express® Rose Gold Card

  • 60,000 Membership Rewards points after $4,000 in purchases in first 6 months. Limited-time offer. See link for details.
  • $120 in Uber Cash annually (good towards Uber Eats or Uber rides in the US).
  • $120 in annual dining credit at Grubhub, Seamless, and more.
  • 4X points at at restaurants.
  • 4X points at US supermarkets, on up to $25,000 per year.
  • $250 annual fee.

Citi Premier Card

  • 60,000 points (worth $600 in gift cards, or transferrable to miles) after $4,000 in purchases in the first 3 months. See link for details.
  • 3X points for every $1 spent on restaurants, supermarkets, gas stations, air travel and hotels.
  • 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.

Barclays AAdvantage Aviator Red Card

  • 50,000 American Airlines miles after first purchase (any amount) and paying $99 annual fee in full, both in first 90 days. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $99 annual fee.

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.

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.

Marriott Bonvoy Boundless Card

  • 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases. See link for details.
  • Free Night after each account anniversary year (valued up to 35,000 Marriott points).
  • $95 annual fee.
  • Subject to 5/24 rule.

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. I mostly use my rewards points on family trips – domestic economy flights, mid-range 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.

* 5/24 Rule? 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 24 months (2 years). This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

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.

Free Funded IRA Goal Progress 2022: $2,060 in Bonuses First Quarter

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

Each year, I have a side goal of earning the equivalent of the maximum annual IRA contribution limit of $6,000 using the profits from various promotions alone. In 2021, I reached $5,592 in bonuses and $2,500+ in extra interest. If you had put $6,000 into your IRA every year for the recent 10 year period (2011-2020) and invested in a simple Target Date retirement fund, you would have turned small deals into a $100,000+ nest egg. An extra hundred grand can be the real-world result of regularly investing $500 a month into productive assets. A couple could double these numbers.

Ground rules: Real-world results for one real person only. As following with My Money Blog tradition, this will track my personal, real-world results. It would be quite easy to list a bunch of random promotions that add up to $6,000, but these will be promotions that I personally sign up for and complete the requirements (even though I’ve already opened so many bank accounts, credit cards, and brokerage accounts over the years). I will track my individual results only, although my partner does also participate on a more selective basis. Nearly all of them have been documented in real-time in the Deals and Offers category, Top 10 credit cards list, and brokerage bonus list:

2022 bonuses and promotions (so far)

The total tally is currently $2,060, which is almost exactly on pace to reach the $6,000 annual IRA contribution limit from these bonuses alone. (I know I used quarter, but I’m so late that we are closer to about 1/3rd of the way through the year and 1/3rd of the way to the max.)

I don’t do every deal, and it has been harder to find credit cards for which I am eligible that offer points that I can use in the foreseeable future. I’m sure there are many opportunities that might be valuable to you, that wouldn’t work for my travel patterns or personal preferences. For those new to this hobby, I would first grab the low-hanging fruit like the Chase Sapphire Preferred.

These numbers ignore higher bank interest APYs from switching banks or buying savings bonds. They also ignore ongoing credit card purchase rewards like 2% to 2.6% cash back on all credit purchases (or airline miles or hotel points) and 5% cash back on specific categories.

This is an enjoyable and profitable hobby for me, but I don’t like to waste my time either. I look for a solid return based on the time commitment required. I tend to avoid speculative bets on magic ponzi boxes backed by other magic ponzi boxes, bonuses that are hard to convert to real money, and anything that requires driving to stores where things may or may not be in stock. The deals that I post usually last at least a few days, but it’s a bit like value investing where you have to be ready to take decisive action when an opportunity shows up, because they won’t last forever.

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.

Discover Card Free Online Privacy Protection Review (Opt Out of People Search Sites)

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

Discover is offering their credit card and banking customers another free service called Online Privacy Protection (press release). Essentially, it automatically submits opt-out requests at 10 selected “people search sites”. These are creepy websites that scrape your personal information from many different publicly-available databases and then makes money by selling access. I wrote about these invasive sites previously and you may be surprised at how much information about you is floating around out there – age, current and past addresses, phone numbers, and the names of your parents, siblings, children, cousins, and in-laws.

Once catch is that you must access this feature via the Discover app. They are still rolling it out, so it may not be available to everyone yet. I used the QR code from the link and it seemed to find it directly after installing the app.

After signing up for the service, I was disappointed that it didn’t find my name on any of the databases. I was hopeful that was because I already opted out of several of these sites manually a few years ago. However, I still did find some of my information some of the sites. I was hoping this service really might be valuable by saving time, and it still might for you, but it doesn’t seem to be perfect.

Mainly, this exercise just reminded me of how sleazy these people search sites are and the annoying ways they manipulate people to pay them money. Don’t give them a single penny!

Here are the ten sites (not linked on purpose):

  • Addresses.com
  • AnyWho.com
  • InstantCheckmate.com
  • InstantPeopleFinder.com
  • Intelius.com
  • Spokeo.com
  • TruthFinder.com
  • USSearch.com
  • YellowPages.com
  • ZabaSearch.com

I mainly use my Discover card for the 5% cash back categories and the occasional Amazon Pay with Points promos, but I suppose that I do appreciate these side efforts. Besides being one of the first to offer a free FICO score, they also have a free Social Security and Experian credit inquiry alert service.

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.

Mastercard Free ID Theft Protection and Credit Monitoring

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

Update April 2022: Just a quick update that this has been a useful, additional free identity theft protection service. Today, I electronically signed some “power of attorney”-type papers through Docusign and they had me answer some identity verification questions like “which address have you been associated with?” that pulled from my credit reports and driver’s license data. Immediately, I got the following alert from Mastercard Identity Protection that even included the exact questions asked:

Previously, this service has also alerted me that my personal information like name/email have been found in data breaches from random websites like autoexpresscars.com and drivesure.com. These are all events that did not trigger any alerts from my other credit bureau-based monitoring services. Therefore, I feel signing up for this additional free service rounds them out. Services like Docusign are useful but open you up to potentially more severe cases of fraud.

Original post:

Data breaches are scary fact of life these days. If you have a Mastercard, did you know that they offer a Mastercard ID Theft Protection service to cardholders for free? If you activate it, Mastercard has paid on your behalf for a private-label identity theft protection service provided by Generali Global Assistance, Inc. (GGA). The same way that Safeway doesn’t actually make their generic version of Cheerios, Mastercard has outsourced this service. Thanks to reader Bill P for the tip.

Services are provided by Generali Global Assistance, Inc. (GGA), one of the largest providers of private-label identity protection services in the United States. GGA has handled thousands of identity-related cases and has protected millions of customers since it began offering the service in 2003. GGA’s in-house identity theft resolution specialists are certified identity theft risk management specialists – CITRMS® certification by the Institute of Consumer Financial Education (ICFE) and FCRA-certification (Fair Credit Reporting Act by the Consumer Data Industry Association).

You’ll receive an alert if there’s a change to your TransUnion credit report (e.g., new inquiries, new accounts, updated personal information by creditors). That’s nice, but I already get more comprehensive coverage from all three bureaus than this from my combination of Credit Sesame, Credit Karma, and FreeCreditScore.

The difference that caught my eye was their emphasis on full-service, human help if you do become a victim of identity theft. Emphasis mine:

This program is designed to help protect you from identity theft and provide full-service, hands-on assistance in the event of an incident. Studies have shown that the largest cost to victims of identity theft is lost time and stress associated with figuring out how to restore their identity, including replacing cards and documents while communicating with creditors to dispute fraudulent activity. In the event of an incident, we will assign you with a personal case manager to help you resolve issues, saving you countless hours and reducing the stress associated with identity theft.

Their package of services includes: identity theft affidavit assistance and submission, creditor notification, dispute and follow-up, 3-bureau fraud alert placement, inform police/legal authorities, placement of credit freeze and opt-out services provided by certified identity theft resolution specialists.

These could be hollow claims, but hopefully they are truly helpful in taking care of these things on your behalf. If you have a Mastercard, it may be another worthwhile service to add to your defenses.

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.

SoFi Credit Card: 3% Cash Back For a Year w/ Direct Deposit (Limits Apply)

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

SoFi has another new promotion if you have the SoFi Credit Card and SoFi Checking/Savings and a qualifying Direct Deposit every month: 3% cash back for 1 year (365 days) on a maximum of $12,000 of purchases ($360 in rewards). The good news is that the promo appears pretty open. If you don’t have one of the requirements, just add it.

After the cap of $12,000 in purchases that will earn 3% cash back (36,000 points redeemable for $360 in total rewards), it will revert back to the standard 2% cash back rate. That means you’ll really only earn a max of $120 more than you would have otherwise at the standard 2% cash back rate. Still, not bad as the products are already competitive without any promos (1.25% APY on up to $150,000 with any direct deposit, 2% cash back on purchases).

1) You will need to maintain a qualifying Direct Deposit every month with SoFi Checking and Savings in order to continue to receive this promotional cash back rate. Qualifying Direct Deposits are defined as deposits from enrolled member’s employer, payroll, or benefits provider via ACH deposit. Deposits that are not from an employer (such as check deposits; P2P transfers such as from PayPal or Venmo, etc.; merchant transactions such as from PayPal, Stripe, Square, etc.; and bank ACH transfers not from employers) do not qualify for this promotion. A maximum of 36,000 rewards points can be earned from this limited-time offer. After the promotional period ends or once you have earned the maximum points offered by this promotion, your cash back earning rate will revert back to 2%.

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 – April 2022 (Updated)

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

0aprRising rates 📈 also means credit card APRs are going up. Shopping around for the best balance transfer offer can save you thousands of dollars in interest. Below is a freshly updated list of the best 0% APR balance transfer offers. I try to include a good mix of different bank and lesser-known credit unions with easy membership requirements.

How to find the best combination of the longest 0% APR period and the lowest balance transfer fees. If you are paying 18% APR, that’s like paying 1.5% on your balance every month. Paying a 3% upfront fee for an 21 month period of 0% would be like paying your current interest rate for 2 months and then getting 0% interest for the remaining 19 months. That may be preferable to 12 months at 0% with no balance transfer fee, especially if you spread out your payments over the entire period and use that additional time to pay it all off by the end. Here is an example comparison.

  • $5,000 balance, 18% APR, 12 month payoff = $458 per month for 12 months. ($5,500 total paid)
  • $5,000 balance, 0% APR + No BT fee, 12 month payoff = $417 per month for 12 months. ($5,000 total paid)
  • $5,000 balance, 18% APR, 21 months payoff = $279 per month for 21 months. ($5,865 total paid)
  • $5,000 balance, 0% APR + 3% BT fee, 21 month payoff = $245 per month for 21 months. ($5,150 total paid)
  • $5,000 balance, 0% APR + no BT fee, 21 month payoff = $238 per month for 21 months. ($5,000 total paid) ** not an available offer **

Hopefully, you can see how one might prefer the $245 per month for 21 months, even thought it results in a slightly higher total amount paid than the $417 per month for 12 months. Especially if this creates an attainable plan that the end of 21 months, you are debt-free. Even if there was no balance transfer fee for 21 months (which unfortunately isn’t an option), the difference would be $7 per month.

If you are sure you can pay it all off within the shorter 0% period, then you should pick the no balance transfer fee option.

1) Citi® Diamond Preferred® Card – 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. You also get 0% Intro APR on purchases for 21 months from date of account opening. After the intro APR offer ends, a variable APR will apply. 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.

2) Wells Fargo Reflect Card – 0% Intro APR on balance transfers for 18 months from date of account account opening. Intro APR extension of up to 3 months with on-time minimum payments during the introductory and extension periods. (Note this is not the same as starting the countdown from the time of transfer.) Introductory balance transfer fee of $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, it is of 5% each credit card balance transfer or $5, whichever is greater. No annual fee.

3) US Bank Visa Platinum Card  – 0% Intro APR on purchases and balance transfers for 20 billing cycles. Balance transfer fee of $5 or 3% of the amount of each balance transfer, whichever is greater. Side perk of up to $600 in cell phone protection. No annual fee.

4) BankAmericard Credit Card – 0% Intro APR for 18 billing cycles for purchases and balance transfers made in the first 60 days of opening your account. After the intro APR offer ends, a Variable APR will apply. A 3% fee (min $10) applies to all balance transfers. $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of your account opening. No annual fee.

5) First Tech Fed Platinum Mastercard0% 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 (Financial Fitness Association). You must also keep a nominal amount (usually around $10) in a share savings account. No annual fee.

6) Wings Financial CU Platinum Card0% Introductory APR for 12 months on balance transfers after account opening and no balance transfer fee. After the intro APR offer ends, a variable APR will apply. You must be a Wings Financial Credit Union member to obtain this card, but membership is open to everyone who joins a partner organization for as little as $5 (Wings Financial Foundation). You must also keep a nominal amount (usually around $10) in a share savings account. No annual fee.

7) Navy Federal Platinum Card0% introductory APR for 12 months after account opening for balance transfers requested within 30 days of account opening. No balance transfer fee. You must be an Navy Federal Credit Union member to obtain this card, and membership eligibility is restricted primarily to military personnel including Army, Marine Corps, Navy and Air Force, but now includes veterans and family members. You must also keep a nominal amount (usually around $10) in a share savings account. No annual fee.

8) La Capital FCU 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 La Capitol Federal Credit Union member to obtain this card, but membership is open to everyone who joins a partner organization for as little as $20 (Louisiana Association for Personal Financial Achievement). You must also keep a nominal amount (usually around $10) in a share savings account. 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.

Chase Sapphire Preferred Card: 80,000 Bonus Points = $1,000 Value + New Benefits Added

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

Improved 80k/$1,000 value offer. The Chase Sapphire Preferred Card is a premium travel rewards credit card that has gotten very popular due to its rewards structure and flexible Ultimate Rewards points that can be redeemed for cash, travel credits, or transferred to airline miles and hotel points. Here are the highlights:

  • 80,000 bonus Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 when you redeem through Chase Ultimate Rewards(R). You can also convert to airline miles or hotel points.
  • 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • 25% more value with Pay Yourself Back(SM). Your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 5X total points on all travel purchased through Chase Ultimate Rewards. 2X points on all other travel purchases.
  • 3X points on on dining, including eligible delivery services, takeout and dining out. (Previously 2X.) 1 point per dollar spent on all other purchases.
  • 3X points on select streaming services. Includes Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify and YouTube TV.
  • 3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • $50 Annual Credit on hotel stays purchased through Ultimate Rewards. New cardmembers will start earning towards the credit immediately and existing cardmembers will start earning after their next account anniversary.
  • 10% Anniversary Point Bonus. Each account anniversary, cardmembers will earn bonus points equal to 10% of total purchases made the previous year. That means, $25,000 in spend will earn an additional 2,500 bonus points.
  • No foreign transaction fees.
  • 1:1 point transfer to leading airline and hotel loyalty programs.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • $95 annual fee.

Note the following text:

The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months.

Chase has 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 (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.

Ultimate Rewards points. This card offers a special 25% bonus on travel redemptions made through the Ultimate Rewards travel website. For example, 60,000 Ultimate Rewards = $750 in travel. Similar to Expedia or Travelocity, you can book flights on most major airlines and hotel chains. 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 Freedom Flex, Freedom Unlimited, Ink Business Cash or Ink Business Unlimited, you can transfer points into this card account and take advantage of the this higher premium. In other words, your existing Ultimate Rewards points balance could be increased in value by getting this card.

The Chase Sapphire Reserve Card is the “ultra-premium” rewards card that offers a bigger 50% bonus on travel redemptions, along with more perks and a higher annual fee.

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, Air Canada, 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. I personally use the transfers to “top off” my account to reach a free coach ticket or free hotel night when I don’t have enough points otherwise. My favorite options are United miles, Southwest miles, and Hyatt hotel points. In this manner, I can often get close to 2 cents per point value.

Cash redemptions are a simple and easy option, but the conversion is a straight 100 points = $1.

Sharing points. Ultimate Rewards points are instantly transferable to other accounts including family members, as long as they have their own Chase card with Ultimate Rewards as an authorized user. This way, you can pool points together for transfers and redemptions if you like.

Additional card benefits:

  • Premium, dedicated customer service line with a live person, 24/7. A real person picks up after a couple rings, no phone trees or typing those darn 16 digits over and over. You can use this feature to redeem cash rewards over the phone for free, although booking rewards tickets over the phone costs $20 (doing so online is free).
  • Primary car rental collision damage waiver insurance. Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental cars in the U.S. and abroad. Most other cards only offer secondary coverage that kicks in only after the deductible of your individual insurance policy is used.
  • Trip Cancellation/Trip Interruption Insurance. If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
  • Trip Delay Reimbursement. If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket

Bottom line. The Chase Sapphire Preferred Card is a popular premium travel rewards card. The sign-up bonus is currently 80,000 Ultimate Rewards points worth 80,000 United miles, 80,000 Hyatt points, or $1,000 towards travel when you redeem through Chase Ultimate Rewards travel portal or in select categories via their Pay Yourself Back tool. The 3X points on dining out, online grocery, and select streaming services plus a $50 annual hotel credit are new additions.

You can only get one Sapphire bonus every 48 months, so compare with the Chase Sapphire Reserve Card, which offers a bigger 50% bonus on travel redemptions, along with more perks and a higher annual fee.

This offer is on my list of 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.

Delta SkyMiles American Express Cards – Up to 50,000 Bonus Miles

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

Delta Airlines American Express cards offer various special perks like free checked bags, priority boarding, and the ability to earn Delta Skymiles with card purchases. As you can only get the welcome offers once on each of these cards per person per lifetime (each card is considered different), I recommend waiting until a limited-time offer to maximize your benefit. Here are the current offers:

Delta SkyMiles® Gold American Express Card

  • 40,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 3 months.
  • $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 Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1 miles per dollar spent on all other eligible purchases.
  • $0 annual fee for the first year, then $99. (See Rates and Fees)
  • Terms Apply.

40,000 Skymiles is worth at least $400 in Delta airfare. Delta offers a minimum value out of your Skymiles via the “Pay with Miles” option. That means 70,000 Skymiles can reduce the price of your Delta ticket by $700 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

  • Earn 50,000 bonus miles and 5,000 Medallion(R) Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
  • Earn up to 20,000 Medallion(R) Qualification Miles (MQMs) with Status Boost(R) per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion(R) Status. MQMs are used to determine Medallion(R) Status and are different than miles you earn toward flights.
  • Up to $100 Fee Credit for Global Entry or TSA PreCheck. Fee Credit for Global Entry or TSA PreCheck(R) after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • 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.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery in the U.S., and at U.S. supermarkets.
  • $250 annual fee. (See Rates and Fees)
  • Terms Apply.

The Platinum version can be a worthy upgrade from the Gold version if you can take advantage of the annual Companion Certificate (i.e. book two tickets together on Delta at least once a year). I’ve used it several times in the past and it is easy to use while booking tickets online at Delta.com. My savings from using the companion certificate has ranged from $200 to $500.

BUSINESS Card Versions

Delta SkyMiles® Gold Business American Express Card

  • Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
  • $100 Delta flight credit. Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $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.
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
  • $0 annual fee for the first year, then $99. (See Rates and Fees)
  • Terms Apply.

Delta SkyMiles® Platinum Business American Express Card

  • Welcome Offer: Earn 60,000 bonus miles and 5,000 Medallion(R) Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
  • 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. You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • 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.
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
  • Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X).
  • Delta Sky Club(R) Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
  • With Status Boost(R), earn 10,000 Medallion(R) Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status.
  • $250 annual fee. (See Rates and Fees)
  • Terms Apply.

Again, Delta offers a minimum value out of your Skymiles via the “Pay with Miles” option. That means 90,000 Skymiles can reduce the price of your Delta ticket by $900 at the very least. (5,000 mile = $50 minimum redemption.) You can still book the traditional award tickets and possibly get better value.

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 want to achieve status (and thus free upgrades), along with the companion certificate. I have used the companion certificate several times in the past and have gotten good value out of it. The annual fee is $250 for the Platinum so you’ll need to consider how much the “status boost” is worth to your situation.

During a limited-time offer, I will add these 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.

5% Cash Back Cards: Amazon, Gas Stations, Streaming TV, Target – April through June 2022

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

5percentbackActivation reminder for 2022 Second Quarter. The credit cards below offer 5% cash back and up 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 at places with 5% back now but spend the gift cards later. (* Reminder that you can buy gift cards from lots of places at grocery stores…) New cardmembers may also get an upfront sign-up bonus.

Chase Freedom Flex Card

From April 1st through June 30th, 2022, you can earn 5% cash back (or 5X Ultimate Rewards points) on up to $1,500 spent in the following categories:

  • Amazon.com
  • Select Streaming Services (include Apple Music, Apple TV+, Disney+, ESPN+, Fubo TV, HBO Max, Hulu, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling, Spotify, YouTube Premium, YouTube TV and Vudu)

(The categories are also the same for the old Chase Freedom card, which is no longer available to new applicants.)

Enroll each quarter online in your Chase account or at ChaseBonus.com. As long as you activate by the 14th of the first month in each quarter, the rewards are retroactive. Technically, you earn Ultimate Rewards points which may be worth even more when converted to airline miles or hotel points instead of cash if you have a Chase Sapphire Preferred or Chase Sapphire Reserve card. You could also use the Pay Yourself Back tool to get 25% to 50% more than 1 cent/point value. Currently, the Chase Freedom Flex card is offering new applicants a $200 bonus 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, 2022, you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Gas Stations
  • Target

Enroll after logging into your online account. 5% rewards won’t apply until after you activate your rewards, so it is best to activate now before you forget. No annual fee.

Discover it $100 bonus details. If you are a new applicant and sign up via Discover Card referral link, you will get a $50 improved $100 Cashback Bonus after your first purchase within 3 months of being account opening. 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 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 looking under “Terms and Conditions” or searching for “cashback match” and “statement credit offer”:

Cashback Match: We’ll match all the cash back rewards you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods.

* You will receive a $100 Statement Credit after making a purchase within three months of account opening. You must apply through your friend’s referral link and be approved by December 31, 2022 in order to be eligible for the $100 Statement Credit offer. Offer may not be combined with any other introductory offer. Promotional award will be applied within 8 weeks.

Citi Custom Cash Card. This new card offers 5% cash back on your *single* top eligible spending category up to $500 spent each monthly billing cycle. Eligible categories include broad ones like restaurants, gas stations, grocery stores, or select travel, but you only get 5% for the top category that month and 1% on everything else. To simplify things you could, for example, elect to only use this card for gas all year long.

Similar to the Chase Ultimate Rewards system above, this card and the Citi Double Cash card (earns 2% cash back) both technically earn Thank You points. You can’t convert your points to airline miles with this card alone, but you can transfer them to the Citi Premier Card, which does allow you to convert miles in various programs on a 1:1 basis including JetBlue, Cathay Pacific, EVA Air, Etihad, Flying Blue by Air France and KLM, Singapore Airlines, and Thai Airways.

Currently, the Citi Custom Cash card is offering new applicants a $200 bonus after you spend $750 on purchases in the first 3 months of account opening. You’ll actually get 20,000 ThankYou® Points, which can be redeemed for $200 cash back. No annual fee.

American Express Blue Cash Preferred Card.

  • 6% cash back at US supermarkets all year long (on up to $6,000 per year)
  • 6% cash back at select US streaming subscriptions (includes Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, YouTube TV, and more).
  • 3% cash back at US gas stations and transit (taxis/rideshare, parking, tolls, trains, buses and more).

I use this card all year long for groceries and put all my streaming services on it, 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 generous welcome offer. See details in link.

U.S. Bank Cash+ Visa Signature Card. You must 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 and every 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. No annual fee.

Amazon Prime Rewards Card. Earn 5% back at Amazon.com and Whole Foods all year long. Prime membership required. New cardholder bonus varies by person. No annual fee.

Citi Dividend Card. This card has not been available to new applicants for years now, 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. There are multiple options out there, here are the ones I’ve had for years. 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 IHG Rewards Club Traveler Card Review: 120,000 Points Limited-Time Offer, No Annual Fee

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

New limited-time offer boost. The Chase IHG Rewards Club Traveler card is the IHG hotel card that includes special IHG perks but with no annual fee. Right now, there is a limited-time 120k offer that is much larger than the previous 60k and 80k point bonuses. Here are the highlights:

  • 120,000 bonus IHG points after $2,000 in purchases within the first 3 months.
  • Earn 15X points total per $1 spent when you stay at an IHG hotel.
  • Earn 2X points at gas stations, grocery stores, and restaurants and 1 point per $1 on all other purchases.
  • No foreign transaction fees.
  • Fourth Reward Night Free when you redeem points for any 4+ night stay.
  • No annual fee.

Note the following:

This product is not available to either (i) current cardmembers of any IHG® Rewards credit card, or (ii) previous cardmembers of any IHG® Rewards credit card who received a new cardmember bonus for this credit card within the last 24 months. This does not apply to cardmembers of the IHG® Rewards Premier Business credit card.

What can you get with IHG points? The best redemption value for IHG points is for free hotel nights. The other options offer significantly less value. While the points don’t translate directly to a dollar value, I would use a conservative estimate of 0.50 cents of value per point, which would make 120,000 IHG points worth an estimated $600 value. Not bad for a no annual fee card. You can perform the calculations for hotels that fit your needs. I tried a bunch of other various combinations and got between 0.5 cents and 0.8 cents per point equivalent value.

IHG stands for Intercontinental Hotel Group which has over 5,000 hotels including the following brands:

  • Intercontinental Hotels & Resorts
  • Crowne Plaza
  • Kimpton
  • Holiday Inn, Holiday Inn Express
  • Staybridge Suites
  • Candlewood Suites
  • Hotel Indigo
  • EVEN Hotels

IHG points expire after 24 months of inactivity, which is relatively long so with occasional activity you can easily save up these free nights for later. Chase Ultimate Rewards points also convert to IHG points.

The 4th Reward night free perk can be very valuable and nice to see on a card with no annual fee.

Total of 15x points per $1 spent when you stay at IHG. Here’s how this breaks down: Earn 5X points per $1 spent as an IHG® Rewards Club Traveler credit cardmember + 10X points per $1 spent from IHG® for being an IHG® Rewards Club Member, for a total of 15X points total at any of their 5,400+ IHG® hotels & resorts.

Given my 0.5 cent per IHG point valuation, I would book my IHG nights on this card, but not my everyday purchases on an ongoing basis. I would just put a little spending on there to keep my IHG points from expiring.

  • 2 IHG points per $1 spent at gas stations, grocery stores, and restaurants.
  • 1 IHG point per $1 spent on all other card purchases

Upgrade to Premier? Downgrade to Traveler? If you can reliably use a anniversary night certificate (40,000 point value) and get $99 value out of it, you should consider going with the IHG Rewards Premier credit card mentioned on the same application page. The Premier card also adds some other small perks like Platinum Elite status and a TSA Precheck fee credit.

If you already have the Premier card and don’t want to pay for those added perks, you may consider asking if you can downgrade to this Traveler now without any annual fee.

Bottom line. The Chase IHG Rewards Club Traveler credit card now comes with no annual fee and a boosted sign-up bonus. As with most of these co-branded cards, the best value is obtained if you can redeem for IHG hotel nights.

During the limited-time offer, I will be adding this to the Top 10 Best Credit Card Bonus Offers.

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