Top 10 Best Credit Card Bonus Offers – October 2019

My Money Blog has partnered with CardRatings 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 October 2019. 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:

  • Delta 60k + $50 – limited-time offer ends 10/30.
  • Marriott 100k – limited-time offer.
  • Southwest 60k – limited-time offer.
  • IHG 125k limited-time offer expired.

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.

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, $450 annual fee, $300 annual travel credit.

Gold Delta Skymiles Card from American Express

  • 60,000 Delta Skymiles after $2,000 in purchases within the first 3 months + $50 statement credit after a Delta purchase within your first 3 months. Limited-time offer expires 10/30/2019. See link for details.
  • 60,000 Skymiles are worth at least $600 in Delta airfare with “Pay with Miles” option.
  • First checked bag free on Delta flights ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $95.

Marriott Bonvoy Boundless Card

  • 100,000 Marriott Bonvoy points after $5,000 in purchases within the first 3 months. Limited-time offer. See link for details.
  • Free Night after each account anniversary year (valued up to 35,000 Marriott points).
  • $95 annual fee.
  • Subject to 5/24 rule.

Hawaiian Airlines World Elite MasterCard

  • Up to 75,000 bonus miles. 50k after $2,000 in purchases within 90 days + additional 25k after $6,000 total in purchases in the first 12 months. 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.

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.

Southwest Rapid Rewards Plus Card

  • Up to 60,000 Rapid Rewards points. Earn 40,000 points after you $1,000 in purchases in first 3 months + additional 20,000 points after $12,000 total in purchases in the first year.
  • Southwest still gives everyone two free checked bags.
  • More than halfway to Companion Pass. If you can sign up for this one and also the small business version, you can qualify for a Companion Pass in 2019/2020.
  • $69 annual fee.
  • Subject to 5/24 rule.

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.

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 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 – October 2019

My Money Blog has partnered with CardRatings 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 October 2019. Do you have small business income or work as an independent contractor? Uber/Lyft, Amazon, eBay, Etsy, Airbnb? You are eligible to open a small business credit card, which keeps your personal and business expenses separate. 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. I did this for years successfully before incorporating my business.

Small business credit cards are offering strong perks and $500+ value for a single card during the first year to try out a new card. Below are the top 10 credit card offers that I would apply for (or have applied for already). Recent changes:

  • AmEx Platinum Biz 100k – limited-time offer.
  • United Biz 100k – limited-time offer.
  • Barclays/Citi AA Biz 75k – 2x limited-time offers.
  • Hawaiian Biz 70k – limited-time offer.
  • Southwest Performance Biz 80k – new card.

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.

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.

American Express Business Platinum Card

  • Up to 100,000 Membership Rewards points (worth $1,540 towards airfare). 50,000 Membership Rewards points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 within your first 3 months. See link for details.
  • Largest airline lounge access network. Includes Delta Sky Club membership + their own Centurion lounges.
  • Free year of WeWork co-working membership.
  • $200 Airline Fee Credit. Up to $200 a calendar year in baggage fees and more at one airline that you pick.
  • $100 Global Entry/TSA PreCheck credit.
  • $595 annual fee.

Chase Ink Business Preferred Card

  • 80,000 Ultimate Rewards points (worth $1,000 towards flexible travel) after $5,000 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.

Southwest Rapid Rewards Performance Business Card

United Explorer Business Card

  • Up to 100,000 United miles. 50,000 after $5,000 in purchases in the first 3 months + another 50,000 after $25,000 total in 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).
  • Expanded award availability. Having this card makes it easier to redeem for that saver award economy ticket.
  • Primary rental car coverage when renting for business purposes.
  • $0 annual fee for the first year, then $95.
  • Subject to 5/24 rule.

Barclays AAdvantage Aviator Business Card

  • Up to 75,000 American Airlines miles. 65,000 miles after $1,000 in purchases in the first 90 days. Additional 10,000 miles when a purchase is made on an employee card. Limited-time offer. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $95 annual fee.

CitiBusiness / AAdvantage Platinum Select Mastercard

  • 75,000 American Airlines miles after $5,000 in purchases in first the 5 months. Limited-time offer. 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.

American Express Plum Card

  • $600 cash back. Earn a $200 statement credit after each $10,000 you spend in purchases, up to $30,000, within the first 3 months. See link for details.
  • 1.5% early pay discount on all purchases which stacks on top of the bonus above.
  • $0 annual fee for the first year, then $250.

Hawaiian Airlines Business Mastercard (Barclaycard)

  • Up to 70,000 Hawaiian miles. Earn 60,000 miles after $1,000 in purchases in the first 90 days, and an additional 10,000 miles after a purchase is made on an employee card. Limited-time offer. See link for details.
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and the Mainland on Hawaiian Airlines.
  • $99 annual fee.

Chase Ink Business Unlimited Card

  • $500 bonus cash back after $3,000 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

  • $500 bonus cash back after $3,000 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.

Capital One Spark Cash for Business Card

  • $500 cash bonus after $4,500 in purchases in the first 3 months. See link for details.
  • Flat 2% cash back on all purchases with no limit.
  • $0 annual fee for the first year, then $95.

Capital One Spark Miles for Business Card

  • 50,000 bonus miles after $4,500 in purchases in the first 3 months. 50,000 miles is redeemable for $500 towards travel. See link for details.
  • Flat 2X miles per dollar on all purchases with no limit.
  • $0 annual fee for the first year, then $95.

Marriott Bonvoy Business American Express Card

  • 75,000 bonus points after $3,000 in purchases in the 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.

Wells Fargo Business Platinum Card

  • $500 cash back bonus after $3,000 in purchases in the first 3 months. See link for details.
  • Earn 1.5% cash back on every $1 spent, OR earn 1 point on every $1 spent + 1,000 bonus points when company spend is $1,000+ in any monthly billing period.
  • No annual fee.
My Money Blog has partnered with CardRatings 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

My Money Blog has partnered with CardRatings 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 with new limited-time offers. American Express and Delta Airlines have various credit cards that offer special perks like free checked bags, priority boarding, and the ability to earn Delta Skymiles with card purchases. However, as you can only get the welcome bonuses 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 latest such offers:

Gold Delta SkyMiles® Credit Card

  • Limited-time offer: 60,000 bonus Skymiles after $2,000 in purchases in your first 3 months AND a $50 statement credit after you make any Delta purchase within your first 3 months. Offer expires 10/30/2019.
  • 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.
  • $0 annual fee for the first year, then $95.

Delta now 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. That makes this offer a $650 estimated value in the first year, even ignoring the free checked bags.

Platinum Delta SkyMiles® Credit Card

  • Limited-time offer: 75,000 bonus Skymiles and 5,000 Medallion(R) Qualification Miles (MQMs) after $3,000 in purchases in your first 3 months AND a $100 statement credit after you make any Delta purchase within your first 3 months. Offer expires 10/30/2019.
  • 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).
  • Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.
  • Main Cabin 1 Priority Boarding.
  • $195 annual fee.

Delta now offers a minimum value out of your Skymiles via the “Pay with Miles” option. 75,000 Skymiles can reduce the price of your Delta ticket by $750 at the very least. (5,000 mile = $50 minimum redemption.) You can still book the traditional award tickets and possibly get better value. Plus the $100 statement credit and minus the $195 annual fee, that makes this offer a $650 estimated net value in the first year, even ignoring the status miles, free companion certificate (which I have used many times), and free checked bags.

BUSINESS Card Versions

Gold Delta SkyMiles® BUSINESS Credit Card from American Express

  • 30,000 bonus Skymiles after $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • 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.
  • $0 introductory annual fee for the first year, then $95.

Platinum Delta SkyMiles® BUSINESS Credit Card from American Express

  • 35,000 bonus Skymiles and 5,000 Medallion® Qualification Miles after you make $1,000 in purchases on your new Card within your first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • 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).
  • Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.
  • Main Cabin 1 Priority Boarding.
  • $195 Annual Fee. ($250 if application is received on or after 1/30/2020)

Delta Reserve for BUSINESS Credit Card

  • 40,000 Bonus Miles and 10,000 Medallion® Qualification Miles after you spend $3,000 in purchases on your new Card in your first 3 months.
  • 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year.
  • Limited-time offer: Additional 15,000 bonus miles and 15,000 MQMs after spending $60,000 in eligible purchases on your Card in a calendar year for a total of 30,000 bonus miles and 30,000 MQMs. Starting January 30, 2020, you will no longer earn bonus miles with this benefit.
  • Complimentary Delta Sky Club® access. Enter Delta Sky Club® at no cost and bring up to two guests for an exclusive rate of $29 per person per visit.
  • 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).
  • Domestic First Class, Delta Comfort+® or Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.
  • Main Cabin 1 Priority Boarding.
  • $450 Annual Fee. ($550 if application is received on or after 1/30/2020)

Every card above also offers 2X miles on direct Delta purchases and 1X miles on all other purchases. You get 2 miles for every dollar spent directly with Delta. This includes flights booked on Delta.com, seat upgrades, Sky Club membership or day passes, Delta Vacations packages, or in-flight food/entertainment purchases like food, beverages, and entertainment.

Starting January 30th, 2020, there will be some changes to the Delta cards. You can review the planned changes here. For the Gold Delta card, the notable changes are:

  • 2X miles at restaurants starting 1/30/20.
  • 2X miles at U.S. supermarkets starting 1/30/20.
  • $100 Delta Flight Credit for future travel after you spend $10,000 in eligible purchases in a calendar year starting 1/30/20.
  • If you earn an MQD Waiver in 2019, it will still count toward your 2020 Medallion® Status. Starting January 1, 2020, you can no longer earn an MQD waiver with the Delta Gold Card.
  • Starting January 30, 2020, you will no longer be able to purchase discounted Delta Sky Club access with the Delta Gold Card.
  • Effective January 30, 2020, the annual fee will increase from $95 to $99 (charged at account opening or your Card’s renewal date).

I will still be adding the Delta Gold Skymiles limited-time offer with the 60k bonus miles and annual fee waiver to my list of the Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings 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: 100,000 Point Limited Time Offer

My Money Blog has partnered with CardRatings 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 right now there is a limited-time offer bump to 100,000 Marriott Bonvoy points (a 25k increase to their previous 75k offer). Here are the highlights:

  • Limited time offer: 100,000 bonus points after $5,000 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.
  • Earn 6X Bonvoy points per $1 spent at over 6,700 participating Marriott Bonvoy hotels.
  • 2X Bonvoy points for every $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year. Path to 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 new award chart information:

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 been refreshed with a new limited-time offer of 100,000 bonus Marriott points. Previously the standard offer was 75,000 points, so you may consider this a good time to apply. 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.

My Money Blog has partnered with CardRatings 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 Banking: $1,000 Bonus For New/Existing Customers ($75,000 Assets)

My Money Blog has partnered with CardRatings 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 bonus. Chase has a new $1,000 cash bonus offer if you upgrade to or open a new Sapphire Banking account. To qualify, you must transfer a total of $75,000 or more in new money or securities into eligible Chase checking, savings and/or investment accounts. You must open by 11/19/2019, complete the $75k transfer within 45 days of opening, and maintain that balance for at least 90 days from the date of funding. Chase will deposit the bonus into your new account within 10 business days after meeting the requirements.

Banks are trying to develop relationships with the “might be rich in the future” crowd instead of only courting the “really rich”. Okay, the official term is “mass affluent”. Sapphire Banking is a new brand extension of their popular Chase Sapphire line of credit cards, although you don’t need to have one to open this account.

Sapphire Banking details. This is a “premium” checking account for those that can keep $75,000 in deposits or investments in qualifying Chase accounts. If you have less than $75k in assets, then a $25 monthly fee applies. Sapphire Banking perks include:

  • No ATM fees, including rebates on fees charged by non-Chase ATMs.
  • No fees for foreign exchange (ATM/debit), outgoing wire transfers, or stop payments.
  • No fees on the first four overdrafts within 12 months.
  • Free online stock and ETF trades with You Invest by JP Morgan.
  • Access to Sapphire lounges at concerts, sports and special events, early ticket sales and premium seats.
  • $0 monthly service fee on a linked Chase Total Business Checking account.

Moving over ETFs, mutual funds, and stocks. Since investments count towards the $75,000 requirement, if you have that much in ETFs, mutual funds, or stocks at another broker, you could perform an in-kind ACAT transfer over to their discount brokerage firm You Invest. All of your tax basis information should also move over seamlessly these days. Your old broker may charge you an outgoing ACAT fee about about $75, although you might ask You Invest if they will reimburse you for this fee. This would let you avoid parking $75,000 at Chase earning nearly zero interest (okay, it’s 0.01% APY). Losing out on 2% interest on $75k works out to a rate of $125 interest per month ($1,500 per year).

Alternatively, you could move over some cash and then invest in something similar to cash. I’m not sure if You Invest will let you buy individual US Treasury bills or brokered CDs. If not, you might also consider ultra-short bond ETFs like MINT or Treasury Bill ETFs like BIL.

Bonus math. Let’s say they want you to keep your $75k there for 90 days and to be safe you keep it there for another 10 business days until you see the bonus. Let’s make that 120 total days to be conservative. Earning $1,000 over 120 days on a $75,000 balance is ~4% annualized. This is on top of any other return from your investments (T-Bill interest, etc).

This is about the highest bonus that I have seen on this account, which is good because you can only get it once per 12 month period. This includes the You Invest bonus, which would only give you $200 right now if you transferred in under $100,000. The bonus will be reported on a 1099-INT:

You can only participate in one Chase Private Client CheckingSM, Chase SapphireSM Checking or You InvestSM new money bonus in a 12 month period. Coupon is good for one time use and only one bonus per account. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

Bottom line. Chase Bank has a premium checking account tier called Sapphire Banking, targeted at the “mass affluent”. There is a new account bonus of $1,000 for both new and existing Chase bank customers if you move over $75,000 in cash and/or investment assets.

My Money Blog has partnered with CardRatings 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.

Capital One Walmart Rewards Mastercard Review: 5% Back, But With Restrictions

My Money Blog has partnered with CardRatings 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.

Today, Walmart launched their new Capital One Walmart Rewards Mastercard (credit card) and Walmart Rewards Card (store card that only works at Walmart). Here are the highlights, which unfortunately include some hoops and hurdles to jump through.

  • Intro offer: 5% back at Walmart in-store when using Walmart Pay during the first 12 months.
  • 5% back on purchases at Walmart.com and Walmart app (includes Walmart Grocery Pickup and Delivery).
  • 2% back on Walmart purchases in stores after the introductory offer.
  • 2% back on restaurants and travel.
  • 1% back on all other purchases.
  • No foreign transaction fee.
  • No annual fee.

You can redeem your rewards during online checkout at Walmart.com, for recent purchases, and statement credits. (Gift cards and travel are listed as options too, but why would you choose that over cash unless they offer some sort of bonus?)

The only long-lasting benefit is the 5% back at Walmart.com and Walmart app (includes Walmart Grocery Pickup and Delivery). If you spent $1,000 a year at Walmart.com, then that’ll get you $50 in cashback. I might spend that much at Walmart in-store over a year, but definitely not Walmart.com at this time. If they released Walmart’s in-store sales volume compared to their online sales, I think you’d see a large disparity.

I was disappointed to see that 5% back in-store only works (1) if you remember to set up and use their Walmart iOS or Andriod app and (2) it only lasts for the first 12 months. After a year, it’s back down to only 2% back on Walmart purchases which really isn’t very appealing with multiple 2% cash back on everything alternatives. Did they not realize that nobody liked their old Synchrony card because it only offered a super-sad 1% back at Walmart stores?

Why is Walmart so stingy with the cash back? Perhaps Walmart’s profit margins are too slim to match Target REDcard’s 5% cash back on both in-store and online purchases. I suppose you could see that as a good thing. But still, it gives me little reason to get this card. Costco only offers 2% back via their self-branded credit card, but at least throws in 4% back on gas and 3% back on travel and restaurants. Meanwhile, Amazon offers 5% back if you have Prime and includes Whole Foods purchases.

Bottom line. Walmart has a new co-branded credit card. The only long-lasting benefit is the 5% back at Walmart.com and Walmart app (includes Walmart Grocery Pickup and Delivery). It’s not very good any place outside of Walmart, and not even especially good at Walmart stores after the first year. If Walmart.com steps up their game to include better delivery options, perhaps it will be worth a second look.

My Money Blog has partnered with CardRatings 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.

Target REDcard 5% Off + $50 off $100, $10 GC w/ $100+, 1% Off Via Circle

My Money Blog has partnered with CardRatings 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.

Target has been coming out with a variety of offers and announcements that should interest regular shoppers:

  • New Target REDcard applicants (credit or debit) will get a coupon for $50 off $100+ future purchase. Restrictions listed below. Apply online or in-store by 9/28. REDcard gets you 5% off at Target & Target.com (Target gift cards excluded, in-store Starbucks included) and free 2-day shipping on qualifying items.
  • Existing REDcard holders get a additional 5% off coupon for a single in-store purchase when you use your RedCard through Wallet in the Target app during the sale (ends 9/28). This is in addition to the standard 5% off.
  • Free $10 Target gift card when you spend $100 using Drive Up, Order Pickup ,or Shipt. This works on anything you would otherwise just buy in the store. I like the idea of basically making Target a “drive-thru” big box store.
  • There are a bunch of 20% off Cartwheel offers in the Target App this week.
  • However… those Cartwheel offers will soon be called Target Circle offers. Target is expanding their Circle rewards program nationwide starting October 6th. You basically earn 1% back on your Target purchases, which you can redeem at Target later. This 1% also stacks with the 5% back via REDcard. Okay, I’ll take it.

Looks like they are still pushing hard for people to use the Target app for everything – browsing, ordering, pickup, and paying. The REDcard debit card version connects directly to a designated checking account, letting you avoid a “hard” credit check (and new credit account) on one of the 3 major bureaus. A reader reports that Target uses ID Analytics (now SageStream), another consumer reporting agency.

Here’s the list of restrictions on that $50 off $100 coupon. Could you make it any longer, Target?

REDcard $50 offer: Get a coupon for $50 off a $100+ qualifying purchase when you are approved for a debit or credit REDcard in-stores and at Target.com between 9/22/19–9/28/19. The coupon will be mailed to approved cardholders with their REDcard and will be valid through November 16, 2019. Excludes alcohol, Apple products, Baby Born, Barbie Dreamhouse, Beats, Bose, clinic & pharmacy, dairy milk, DockATot, DSLR cameras & lenses, Fisher Price Bounce and Spin Puppy, Frozen Castle and Smart Home, Fitbit, gift cards, Google, GoPro, HALO Baby, Hot Wheels Colossal Crash, Hot Wheels id, HP, Imaginext Batmobile, Infant Optics, JBL, LEGO, Levi’s Red Label, LG OLED TV, L.O.L., Mega Bloks, mobile contracts, Motrin pain relief, Nintendo hardware and Switch games, Owlet, Peg Perego, Philips Avent, power shave, power dental, Harry’s and Flamingo, Pictionary Air, prepaid cards, PS4 hardware, Samsung TVs, simplehuman, Sonos, Target Optical, Thomas and Friends Wood, Tile, Traeger, Tylenol pain relief, vineyard vines, Weber, and Xbox One hardware.

Here’s the fine print on the $10 gift card offer:

Your $100 purchase must be made on a single transaction online at Target.com using in store Order Pickup, Drive Up or Same Day Delivery Shopped by Shipt or Shipt.com. Qualifying purchases must be made on 9/22/2019 between 12:00am PST until 9/28/2019 11:59pm PST. Target reserves the right to cancel offer if the online order is cancelled. The $100 qualifying purchase will be calculated after all other discounts are applied. Tax, shipping and gift wrap are not included in qualifying total. Eligibility and assortment and eligible for same day services varies by store. Items sold and shipped by Target Plus™ Partners, CVS Pharmacy, Minute Clinic, flu shot events, Target Optical, gift cards, prepaid cards, POSA (Point of Sale Activation Cards) alcohol, mobile contracts, milk and limited-time designer partnerships are excluded from qualifying purchase. Target reserves the right to discontinue the promotional offer at any time.

My Money Blog has partnered with CardRatings 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: PayPal, Amazon, Target, and Automotive – October thru December 2019

My Money Blog has partnered with CardRatings 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 time for 4th Quarter! 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 October 1st through December 31st, 2019 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Department Stores
  • Purchases made with PayPal. Many online stores take PayPal as a checkout option, including eBay. You can also pay your taxes online with PayPal and still make money after the 1.96% fee with PayUSATax.
  • Purchases made with Chase Pay

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 October 1st through December 31st, 2019 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Amazon.com
  • Target (both in-store and online)
  • Walmart.com (Walmart.com and via Walmart app if you pick Grocery Pick Up or Instart Pickup.)

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 this text:

Cashback MatchTM: : 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 CASHBACK BONUS OFFER: Get a $50 Cashback Bonus 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 July 1st through September 30th, 2019 you can earn 5X rewards on up to $1,500 spent in the following categories:

  • Automotive, including qualifying qualifying automotive parts, service and repair purchases. They list the eligible MCC codes, including those of Auto dealers, Service shops, Auto parts, and Tire stores.

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 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.

Southwest Credit Card Bonuses Toward 2019/2020 Companion Pass (60k/80k Points)

My Money Blog has partnered with CardRatings 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 60,000 limited-time offer, 80,000 point 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 110,000 qualifying points in a calendar year, and you’ll earn the Companion Pass for the remainder of that year plus the following full calendar year. For example, if you earned it in September 2019, you would have the benefit for the rest of 2019 and all of 2020. You can change your designated companion up to three times each calendar year.

Points earned from credit cards count toward that 110,000 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 credit cards:

Southwest Rapid Rewards® Plus credit card

  • Up to 60,000 Rapid Rewards points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn an additional 20,000 points after you spend $12,000 total on purchases within the first year.
  • 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

  • Up to 60,000 Rapid Rewards points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn an additional 20,000 points after you spend $12,000 total on purchases within the first year.
  • 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® Priority card

  • Up to 60,000 Rapid Rewards points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn an additional 20,000 points after you spend $12,000 total on purchases within the first year.
  • 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 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.

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.

Southwest Rapid Rewards Performance Business card

  • 80,000 Rapid Rewards points after you spend $5,000 on purchases in the first 3 months.
  • 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 Pre?® Fee credit in the form of a statement credit of up to $100 every four years.
  • $199 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 $1,200+ in Wanna Get Away airfare from 80,000 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, 110,000 Rapid Rewards, would usually get you $1,700 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 still redeem 5,000 points for a $50 a Amazon.com or Wal-Mart gift certificate. That makes 60,000 points still worth $600 in Amazon or Walmart gift cards.

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 80,000 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!). However, if you can qualify for two (one personal and one business), you can surpass the 110,000 points needed for the Southwest Companion pass, which provides a free companion ticket on every flight bought with cash or points for the rest of 2019 and all of 2020. 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 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.

British Airways Visa Signature Credit Card Review: 100,000 Point Bonus

My Money Blog has partnered with CardRatings 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 with new Reward Flight Statement Credit. The British Airways Visa Signature Card is a co-branded travel card (issued by Chase) has brought back their bonus offer of up to 100,000 total Avios points with a split spending hurdle. Here are the highlights:

  • 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening.
  • 50,000 additional bonus Avios after you spend $20,000 on your purchases within your first year of account opening.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
  • Earn 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
  • NEW: Reward flight statement credit. Get up to $100 (economy) to $200 (business/first) statement credit against taxes and fees when you book an award flight with Avios. Up to 3x per calendar year.
  • No foreign transaction fees.
  • $95 annual fee.

The Avios reward chart is now based on how far you want to travel in terms of miles. So what can you do with all those points?

Redeem awards domestically on partner American Airlines. Within the US, it’s usually easiest to find flights on partner American Airlines. There are no fuel surcharges when booking with American. Seating availability will be limited, but if you are flexible there is decent inventory.

  • Los Angeles to Honolulu, Hawaii using only 26,000 Avios points roundtrip. I ran a quote in Fall and it cost $659 broken down to $621 fare and only $38 in taxes. So in this case you could save $621 in exchange for 26,000 points, which is 2.4 cents per point. You can also do JFK to LAX for 25k points roundtrip. (Avios chart updated 5/30/19.)
  • Shorter-distance flights can be a good deal as well. Roundtrip from Chicago to New York City is only 18,000 Avios points + about $30 in taxes. Charlotte, NC to New York City is only 12,000 Avios roundtrip. Los Angeles to Las Vegas is also 12,000 Avios roundtrip. Los Angeles to Portland, Oregon is 18,000 Avios roundtrip.

Finding partner awards on BA.com is better than is was in the past, so try it first. Type in your to/from cities within the US, choose to book flights with Avios points, and then click to include partners:

If you have the flexibility, you can also search for additional dates for more available seats. You may find more space going business class in the US.

Use the American Airlines AA.com website and look for “MileSAAver” awards. Record the exact flight dates and numbers, and then call at British Airways at 1-800-452-1201 to book them. If you can’t find the same flight on BA.com, they should waive the phone book fee (they did for me). Don’t be discouraged if you have to use this method, especially if you aren’t flying nonstop. Also, call back and talk with a different agent if they aren’t helpful initially.

Beware of fuel surcharges on British Airways flights. Don’t use Avios for a economy British Airways flight from USA to Europe, because you’ll still be subject to taxes and fees on award redemptions, which are often half the entire cost of the ticket. I ran a quick search for a random New York City (JFK) to London (LHR) flight that cost $1,050, the taxes and fees alone were $650. You can get the $400 “fare” for 40,000 Avios points, but that’s only 1 cent a point value. This can be mitigated with the…

Reward flight statement credit. Pay for your reward flight taxes and fees using your Chase British Airways card and you will automatically receive a statement credit of $100 for an economy or premium economy booking or $200 for a business or first class booking. You can receive one statement credit per reservation, up to 3 times per calendar year ($600 total limit per calendar year). Details here.

Note the following language:

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

Bottom line. The British Airways Visa credit card has a new bonus structure of up to 100,000 Avios, split into two spending requirements for 50,000 each. 100,000 Avios is nearly enough for 4 economy tickets from the West Coast to Hawaii (or West Coast to NYC) roundtrip on American or Alaska Airlines (104,000 Avios). In addition, for every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll also earn a Travel Together Ticket good for two years.

My Money Blog has partnered with CardRatings 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.

American Express Business Platinum Card: 100,000 Point Limited-Time Offer

My Money Blog has partnered with CardRatings 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.

Limited-time offer + new perks added. The Business Platinum® Card from American Express is the ultra-premium AmEx business card with a big annual fee and a very long list of perks, including the best airline lounge access program (Delta Sky Club + their own Centurion lounges) and a year of WeWork co-working space membership. Right now, they are running a limited-time offer of up to 100,000 Membership Rewards points. Here are the details:

  • Limited-time offer: Up to 100,000 Membership Rewards points. Earn 50,000 Membership Rewards points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
  • 5X points on flights and prepaid hotels booked at amextravel.com.
  • 1.5X points per dollar on each eligible purchase of $5,000 or more. (Up to 1 million additional points per year.) 1 point per dollar on all other purchases.
  • Get 35% back when you redeem points for flights. Use their “Pay with Points” option for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year. See details below.
  • $200 Airline Fee Credit. Up to $200 a calendar year in baggage fees and more at one airline that you pick.
  • $100 Fee Credit for Global Entry or TSA PreCheck.
  • Free Unlimited Boingo WiFi access + 10 Free Gogo inflight internet passes annually.
  • NEW – Free year of Platinum Global Access from WeWork ($2,700 value). With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities and 22+ countries. This includes access to open workspace and premium amenities, including Wi-Fi, phone booths, and refreshments, like coffee, tea, and fruit water. Enroll by 12/31/2019.
  • NEW – $200 in statement credits at Dell (up to $100 semi-annually for U.S. purchases with Dell). Details here.
  • $595 annual fee.

Note the following language: “Welcome bonus offer not available to applicants who have or have had this product.” You can only get the welcome offer on the Platinum Business AmEx once time per lifetime, so it is best to apply during a limited-time offer.

American Express Global Lounge Collection. Some other travel cards give you Priority Pass Select, which is nice but not as inclusive as the Platinum card’s list of 1,200+ airport lounges across 130 countries. Domestically, you get Delta Skyclub access (an individual Skyclub membership costs $495 from Delta alone) as well as the new Centurion Lounge network built specifically for American Express cardholders.

  • The Centurion® Lounge
  • The International American Express Lounges
  • Delta SkyClub®
  • Priority Pass Select
  • Airspace Lounge
  • Escape Lounges

Other benefits:

  • Automatic Starwood Preferred Guest (Marriott) Gold status.
  • Automatic Hilton Honors Gold status.
  • No Foreign Transaction Fees.

35% Airline Bonus details. Let’s say your selected airline is Delta, and you want to buy a couple economy Delta tickets for $1,000 using their Pay with Points features. This means that $1,000 ticket booked through AmEx Travel will only cost you 65,000 Membership Rewards points net (100,000 points and then 35,000 point rebated back). This improves the 1 cent per point value to 1.54 cents per point value. This means that 100,000 Membership Rewards points can be worth $1,540 in airfare on your selected airline.

Transfer partners. You can transfer Membership Rewards points to 16 airline and 3 hotel partners including Delta, British Airways, Hawaiian, JetBlue, Air Canada, Hilton, Starwood Preferred Guest, and Choice Hotels. If you’re good at snagging award tickets, you can get even better value this way.

Doing some math with the perks vs. annual fee. Spending $25,000 within 3 months is a relatively high spending hurdle. (Given the 5X bonus category, it would be perfect if you needed to book some business flights/hotels soon. You could also charge your income taxes and pay the 1.87% fee, hopefully offset by the 1.5X points on a $5,000+ purchase.) If you can swing that, then this card can offer a lot of value in a year.

In the perks, column, you would have the 100,000 Membership Rewards points worth $1,540 towards airfare (see above). WeWork Global co-working space membership (they say $2,700 value, but even the most basic WeWork membership runs $45/month). The best lounge access program, with the included Delta Sky Club membership costing $495 on its own. $200 annual airline fee credit. $100 TSA PreCheck/Global Entry credit. Unlimited Boingo WiFi access + 10 Free Gogo inflight internet passes annually. All this against a $595 annual fee.

Bottom line. The Business Platinum Card from American Express card tries to make your air travel more pleasant by addressing things like baggage fees, economy plus upgrade fees, TSA PreCheck security lines, Global Entry customs lines, inflight WiFi, free snacks and drinks at airline lounges, and finding a work center (WeWork membership). Right now, they have a 100,000 point limited-time offer, which makes it the best time to apply since you can only get the bonus for this card once per lifetime.

I will be adding this limited-time offer to my list of the Top 10 Best Business Card Offers.

My Money Blog has partnered with CardRatings 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 Premier Card Review: 125,000 Bonus Points Limited-Time Offer

My Money Blog has partnered with CardRatings 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. The Chase IHG Rewards Club Premier credit card is the IHG hotel co-branded card that includes special IHG perks like a free night award every year you keep the card. Here are the highlights:

  • 80,000 bonus IHG points after $2,000 in purchases within the first 3 months.
  • Free Night award after each account anniversary year at eligible IHG hotels worldwide. Valid at IHG Hotels with a current point redemption level of 40,000 points or less. An additional free reward night when you redeem points for any stay of 4 or more nights.
  • Earn 25 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.
  • Platinum Elite status included as a Premier card member.
  • Global Entry or TSA PreCheck® fee credit of up to $100 every 4 years as reimbursement for the application fee charged to your card.
  • No foreign transaction fees.
  • $89 annual fee.

This is a relatively new card, but please note the following:

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

This offer is for the new “IHG Club Premier” card, so this language means that if you have the older and different “IHG Club Select” card, you can still apply for this card and get the sign-up bonus.

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, but overall you should expect around 0.60 cents of value per point, which would make 80,000 IHG points worth an estimated $480 value. 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 points are worth less than other points like Hyatt or Chase Ultimate Rewards points, but you get a lot more of them with this bonus!)

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 Rewards Club puts out a new list of PointBreaks hotels every few months where you can redeem a hotel night for only 5,000 to 15,00 points. There are some nice hotels on the list, but the locations are very specific and few people are sufficiently flexible with their travel to constantly take advantage of these deals. However, you could get value of over 1 cent per IHG point with a hotel on this list.

IHG points expire after 24 months of inactivity, so if you keep up your activity then you can save up these free nights for later. Chase Ultimate Rewards points also convert to IHG points.

Total of 25x points per $1 spent when you stay at IHG. Here’s how this breaks down: Earn 10X points per $1 spent as an IHG® Rewards Club Premier Credit Cardmember + 10X points per $1 spent from IHG® for being an IHG® Rewards Club Member + 5X points per $1 spent from IHG® with Platinum Elite Status, a benefit of this card = total of 25X points total at 5,400+ IHG® hotels & resorts.

I would book my IHG nights on this card, but not my everyday purchases on an ongoing basis.

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

I would consider keeping this card if you can use the anniversary night certificate with the 40,000 point maximum value. You should be able to get $89 value out of it as long as you need a hotel night. Stay must be completed within 12 months from date of issue.

Bottom line. The Chase IHG Rewards Club Premier credit card has a current sign-up bonus boost of 80,000 IHG points. As with most of these co-branded cards, the best value is obtained if you can redeem for IHG hotel nights.

Also see: Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings 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.