Amazon: Pay with American Express Points, Get 10% to 40% Off (Targeted)

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.

I just got this yet again for 20% off, so it’s worth another click to check if you do too! If you have an American Express card with Membership Rewards (MR) points, you can redeem them to buy eligible items at Amazon.com. The redemption rate is 1 MR points = 0.7 cents to spend at Amazon, which unfortunately is less than a cent per point and thus not really the ideal use of MR points. However, here are targeted promotions where you can save money after redeeming just 1 single MR point.

Here are some additional tips:

  • If you haven’t linked yet, you can link your Membership Rewards points balance to your Amazon account here.
  • If you have already linked your cards and aren’t targeted, you may consider removing your American Express card from your account completely, and then linking it again after a day, and then checking the offer page(s) again after another day.
  • Items must be marked as both sold AND shipped by Amazon.com.
  • Be sure to select your American Express as your payment method and redeem at least 1 point or $0.01 in value of Membership Rewards points.
  • Savings should be reflected on the final order checkout page, before you commit to purchase.

This is a recurring perk for existing American Express cardholders, which is why one of my two “keeper” consumer American Express cards is the Amex EveryDay Card (keeps my Membership Rewards points active with no annual fee, helps qualify for various Amazon promotions). The other is the Blue Cash Preferred from AmEx (6% cash back on US supermarkets, up to $6,000 annually).

You can also earn and keep Membership Rewards points active with a small business card. My favorite business American Express card is the Blue Business Plus Card – 2X MR points on all purchases, of up to $50,000/year. There is also the Blue Business Cash Card that earns a flat 2% cash back on up to $50,000 in purchases each year. Both have 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.

Top 10 Best Credit Card Bonus Offers – November 2020 (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 mid-November 2020.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 do this multiple times a year for thousands of dollars in extra income. These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:

  • New AmEx Platinum 10X bonus, United 70k, JetBlue 100k, Capital One 100k, IHG 140k.
  • Removed United, NavyFed, Marriott 5 Free Nights.

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.

The Platinum Card from American Express

  • 75,000 Membership Rewards points after $5,000 in purchases in first 6 months. See link for details.
  • 10X Membership Rewards points per dollar spent at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s up to another 150,000 points!
  • $200 in Uber/Uber Eats credits annually.
  • 5X Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • Airport lounge access including Delta SkyClub and exclusive Centurion lounges.
  • $550 annual fee.

JetBlue Plus Card

  • Up to 100,000 total bonus TrueBlue points. 50,000 bonus points after $1,000 in purchases and paying the $99 annual fee, both within the first 90 days. Additional 50,000 bonus points after a total of $6,000 in purchases within the first 12 months. Limited-time offer. See link for details.
  • Free first checked bag for you and up to 3 companions when you use your JetBlue Plus Card.
  • $99 annual fee.

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.
  • Short-term COVID-related benefits.
  • 2X points on Travel and Dining at restaurants worldwide.
  • $95 annual fee.
  • Subject to 5/24 rule.
  • Alternative: Chase Sapphire Reserve Card. 3X on Travel and Dining, Priority Pass airport lounge access, $550 annual fee, $300 annual travel credit.

Chase United Explorer Card

  • Up to 70,000 bonus United miles. 60,000 miles after $3,000 in purchases within 3 months, plus an additional 10,000 miles after $6,000 total in purchases within the first 6 months. Limited-time offer. See link for details.
  • Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your United ticket.
  • Expanded award availability. Having this card makes it easier to find that saver award economy ticket.
  • $0 annual fee for the first year, then $95.
  • Subject to 5/24 rule.

Chase Freedom Flex Card

  • 20,000 Ultimate Rewards points (can be $200 Cash Bonus) after only $500 in purchases within the first 3 months. See link for details.
  • 5% cash back on grocery store purchases on up to $12,000 spent in the first year. That’s up to $600 cash back the first year. Remember that you can buy gift cards from many retailers (like Amazon or Apple) at grocery stores.
  • 5X points (5% cash back) on rotating quarterly categories.
  • 3X points (3% cash back) on dining out, take-out, and eligible delivery services.
  • Cell phone insurance via Mastercard World Elite.
  • Subject to 5/24 rule.
  • No annual fee.

Capital One® Venture® Rewards Card

  • 100,000 miles (worth $1,000 towards travel) after $20,000 in purchases within the first 12 months. See link for details.
  • 2X miles on ALL purchases..
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

IHG Rewards Club Premier Card

  • 140,000 IHG Rewards club points after $3,000 in purchases within the first 3 months. See link for details.
  • Free Night after each account anniversary year (valued up to 40,000 IHG points).
  • $0 annual fee for the first year, then $89.
  • Subject to 5/24 rule.
  • Want something lower risk? The no-annual fee Traveler version is now offering 100,000 IHG points.

Alaska Airlines Visa Card (Bank of America)

  • Up to 65,000 Alaska miles + Companion Fare Voucher. 40,000 miles after $2,000 in purchases in first 3 months. Additional 25,000 miles after $8,000 in purchases within the first 6 months. See link for details.
  • Companion fare voucher is “Buy one ticket, get from $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.
  • $75 annual fee.

Gold Delta Skymiles Card from American Express

  • Bonus varies. Enter your Delta Skymiles number and last name to see if you are targeted for a special offer.
  • 50,000 Skymiles are worth at least $500 in Delta airfare with “Pay with Miles” option.
  • First checked bag free on Delta flights ($60 value per roundtrip, per person). Main Cabin 1 Priority Boarding.

Citi / AAdvantage Platinum Mastercard

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

Barclays AAdvantage Aviator Red World Elite Mastercard

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

Citi Premier Card

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

Bank of America Premium Rewards Card

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

Hawaiian Airlines World Elite MasterCard

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

U.S. Bank Altitude Reserve Credit Card

  • 50,000 bonus points ($750 value towards airfare) after $4,500 in purchases within 90 days. See link for details.
  • $325 in annual statement credits towards travel per Cardmember year (based on account opening date)
  • Up to $100 statement credit for Global Entry or TSA PreCheck.
  • Priority Pass Select membership for airport lounge access.
  • $400 annual fee. (Bigger bonus, big annual fee.)

Chase World of Hyatt Card

  • Up to 50,000 Hyatt points. 25,000 Bonus Points after $3,000 in purchases in the first 3 months. Plus an additional 25,000 Bonus Points after a total of $6,000 in purchases within the first 6 months. See link for details and rough valuation of points.
  • $95 annual fee, free night award upon card anniversary.
  • Subject to 5/24 rule.

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-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.

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.

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.

Citi Credit Cards: 5% Back on up to $500 of Online Purchases

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.

If you have an existing Citi credit card, log into your account at Citi.com and see if you are targeted for 5% back on up to $500 of online purchases ($25 max per card). It appears to be widely available on a variety of Citi-branded consumer and small business credit cards including the popular Citi Double Cash and Citi Costco cards (but not all of them). The offer does not start until 11/24 and ends on 11/30. However, you must enroll to get the bonus, so it is important to activate first.

Here’s what it looks like for my Citi Double Cash card:

If you don’t see it upon login or accidentally click past it, try to look under “Rewards & Benefits” and then “Offers for You”. You can also try this link. The wording suggests that this stacks on top of your normal earnings of cash back, miles, or points, so you could really be getting for example 7% cash back total (2% + 5%). Remember that you can enroll multiple cards as well, but you must activate each one individually.

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.

American Express Platinum Card Review: 75,000 Bonus Points + 10X Points at US Gas Stations & US Supermarkets

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.

The Platinum Card from American Express is the classic premium travel card, with a hefty annual but a long list of luxurious perks including access to Delta Skyclubs and their exclusive Centurion airport lounges. Unfortunately, these days many of us aren’t spending much time in airports. Thus, AmEx has come up with a new stack of perks along with a new limited-time offer that includes a bigger upfront bonus and 10X points on US gas stations and US supermarkets. It’s finally big enough to get my attention… The highlights:

  • 75,000 Membership Rewards points after $5,000 in purchases within your first 6 months of Card Membership.
  • 10X Membership Rewards points per dollar spent at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s up to another 150,000 points!
  • Uber VIP status and up to $200 in Uber/Uber Eats savings in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
  • 5X Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • Access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Up to $100 annually at Saks Fifth Avenue in the form of statement credits against purchases on your Platinum Card(R). That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.

Note the following language:

Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.

Not sure about your history? The application will tell you if they detect that you are not eligible for the bonus based on their records. Given that you can only get the welcome offer once time per lifetime, it is best to apply during a limited-time offer. The previous offer was 60,000 bonus points with no 10X bonus.

Adding up the perks. Let’s a take a quick look and valuation of each the many perks on the card.

Membership Rewards points can be converted to the following airline and hotel programs (there are more, this is just a selection):

  • Delta SkyMiles
  • Hawaiian Airlines
  • JetBlue
  • ANA Mileage Club (partner of United Airlines)
  • Air Canada (partner of United Airlines)
  • British Airways (partner of American Airlines)
  • FlyingBlue (Air France/KLM)
  • Singapore Airlines
  • Virgin Atlantic
  • Choice Privileges
  • Hilton Honors
  • Marriott Rewards (Starwood)

They also run limited-time 25% to 40% bonuses on points transfers. You can also transfer to gift cards many retailers at varying rates, but many available at the rate of 10,000 MR points = $100 gift card. My most recent redemption was a $100 Home Depot card for 10,000 points, sometimes less when they run special discount. However, don’t expect the cash-equivalent prepaid credit cards at that rate, it’s usually closer to a 0.6 cent/point ratio.

75,000 Membership Rewards points, worth an estimated $750. Some folks value these points much more highly, but I prefer to stick to a simple and conservative 1 cent per point.

10X points on US gas stations and US supermarkets. Even at a conservative 1 cent per point estimate, 10X points means that I would put every single US gas station and US supermarket purchase on this card during those first 6 months. You can also buy gift cards like Amazon, Target, and Apple gift cards at many grocery stores. I would buy as many as I could expect to spend in the next 6 months. If you spent $1,000 a month on gas and groceries (and gift cards) for 6 months, that’s still another 60,000 Membership Rewards points. Maxing it out would get you 150,000 bonus MR points.

Uber and Uber Eats credits worth up to $200 annually. You get $15 in Uber Cash every month, which can be used for Uber rides or Uber Eats food orders. There is a $20 bonus in December, making it a total of $200 annually. You also get free Uber VIP status, which doesn’t save you any money but gets you higher-rated drivers and nicer vehicles at no extra charge.

Right now, AmEx Platinum cardholders can also get Uber Eats Pass free for 12 months.

Saks Fifth Avenue, worth up to $100 annually. You get $50 in statement credit credits towards purchases at Saks Fifth Avenue or saks.com semi-annually (once January to June and another July to December), for a total of $100. Even if you don’t regularly shop there, you can buy gifts for others, or simply buy gift cards at Saks.com.

Airline fee credit, worth up to $200 annually. You pick an airline, and they will refund you up to $200 in incidential airline fees (baggage, in-flight food and entertainment, ticket fees, etc). This may not be very useful this year to many folks and I’ll estimate the value as nothing to me in 2020, but it’s still worth noting for the future.

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 $545 from Delta alone) as well as the new Centurion Lounge network built specifically for American Express cardholders.

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

Up to $100 statement credit towards Global Entry (includes TSA PreCheck) every 4 years.

Other benefits:

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

Rough bonus math. I’m going to be conservative and value the 75,000 Membership Rewards points at $750. Including gift cards bought at US grocery stores, I estimate I could make $5,000 in purchases within 6 months to get me another 50,000 MR points or $500 estimated value. $200 in Uber Eats food is easily used up at my house. $100 for Global Entry/TSA PreCheck membership (every member of my household has this). Even if I assign zero value to the $100 in Saks Fifth Avenue credit and $200 airline fee credits and zero value to the premium airline lounge access, that’s still already $1,550 of value against a $550 annual fee for a net first-year value of $1,000+. If I expected to fly in 2021, this would be an even bigger deal.

Bottom line. The The Platinum Card from American Express has added a bunch of new perks that aren’t dependent on airline travel, while also adding a limited-offer with a boosted bonus and lots of potential bonus points on purchases at US grocery stores and US gas stations. As you can only get the bonus once, the best time to apply is during a limited-time offer (like now).

I will be adding this improved offer 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.

Chase Ink Business Cash Card Review: $750 Cash Bonus, 5% Back Categories, 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.

inkcash2018Highest bonus ever. Got a small business? The Ink Business Cash Card has improved their sign-up promotion to a $750 cash bonus (75,000 Ultimate Rewards points) for new cardholders, along with 5% cash back and 2% cash back on select small business categories, all with no annual fee. Here are the details:

  • $750 cash bonus (75,000 Ultimate Rewards points) after you spend $7,500 on purchases in the first 3 months.
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • 1% cash back on all other card purchases with no limit to the amount you can earn.
  • 0% introductory APR for 12 months on purchases.
  • Free additional cards for employees.
  • No annual fee.

Ultimate Rewards points. The cash sign-up bonus actually comes in the form of Ultimate Rewards points at 1 point = 1 cent in cash. 75,000 points = $750 cash. This is similar to the situation with the Chase Freedom Unlimited.

If you have also have the Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Business Preferred Card, then you can pool all of your Ultimate Rewards points together (even with your spouse/partner as an authorized user) and either use the airline/hotel transfer partners or redeem using the new “Pay Yourself Back” tool for a 25% to 50% boost in value. For example, with the Sapphire Reserve, 75,000 UR points can be redeemed for $1,125 of grocery store, dining, and home improvement store purchases through April 2021.

Leveraging the 5% back bonus categories. Putting all of your small business cell phone, landline, and internet bills on the card and getting 5% back is pretty handy. For example, even just $200 a month x 12 months x 5% back is $120 back a year without changing your spending habits. Now let’s take the office supply store category and the fact that you can buy gifts cards to Amazon.com and other retailers at such office supply stores like Staples and OfficeMax… now you can effectively discount many of your other purchasing needs by 5% as well. Putting those purchases on such gift cards upfront can also help you meet the spending requirement for the bonus.

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

Note that Chase has an unofficial rule that they will 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.

Bottom line. The Ink Business Cash Card has a large sign-up bonus and ongoing features of 5X/2X categories with no annual fee. This card is best if you have significant expenses in the special 5% and 2% categories above. If you have certain other Chase credit cards, you can transfer Ultimate Rewards points over to those cards and increase your value. Right now, the sign-up bonus is the highest ever at $750 cash (75,000 Ultimate Rewards points).

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 United Explorer Card Review – Up to 70,000 Miles Offer + Annual Fee Waived First Year

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 70k offer. Travel-related credit cards aren’t as popular right now, so they’ve been increasing the bonuses to try and catch your interest. The United Explorer Card is a Chase-issued credit card that offers unique perks on United Airlines including free checked bags and expanded award seat availability for redeeming miles. Right now, they have a limited-time offer of up to 70,000 bonus miles with the annual fee waived during the first year. Here are the highlights:

  • Up to 70,000 bonus miles. 60,000 bonus miles after $3,000 in purchases in the first 3 months. Additional 10,000 bonus miles after you spend $6,000 in the first 6 months.
  • Free first checked bag for both you and a companion (a savings of up to $140 per roundtrip) when you use your Card to purchase your ticket.
  • Expanded award availability. Having this card makes it easier to find that saver award economy ticket.
  • Up to $100 Global Entry or TSA PreCheck Fee Credit
  • Priority boarding + 2 United Club one-time passes every year for your anniversary.
  • 2X miles at restaurants, on hotel stays, and on United purchases.
  • Earn 2 miles per $1 spent at restaurants and eligible delivery services including GrubHub, Caviar, Seamless and DoorDash.
  • 25% Back on United inflight purchases (Wi-Fi, Food and Drinks).
  • No foreign transaction fees.
  • Your miles don’t expire as long as your credit card account is open, with no limit to the number of miles you can earn.
  • Use your miles for any seat, any time, on any United flight.
  • Annual fee waived for the first year, then $95.

Keep in mind the following terms and conditions:

This product is available to you if you do not have this Card and have not received a new Cardmember bonus for this Card in the past 24 months.

This card is very focused on making it a better experience to fly on United. You have the first checked bag for free on United flights, both for your and a companion traveling on the same reservation. The bag fee is usually $35 per person, each way, so that adds up to $140 each roundtrip. Before you board, you might use one of your free United Club lounge passes. You also get Priority Boarding, which helps you find space for your carry-on. While onboard, you get 25% back on your inflight purchases of WiFi, food, and drinks.

Expanded award seat availability. You earn United miles for all your purchases (double miles on restaurants and hotel stays), but then they also make it easier for you to redeem those miles on Saver level tickets with no blackout dates. Expanded award seat availability is another of the top perks from this card, and I’ve found a very significant difference when searching. If you’re constantly trying to find economy tickets for the entire family like me, this is a big deal. Saver Award ticket redemptions start at 12,500 miles one-way within the continental U.S. and Canada.

Another unique feature of this card is that it offers primary coverage on the Auto Rental Collision Damage Waiver. On most other consumer cards, this coverage is offered as secondary coverage, meaning it only kicks in after your personal auto insurance has been exhausted.

Bottom line. The United Explorer Card offers great perks for folks that fly United even just once or twice a year. The card provides lounge passes, a free checked bag, priority boarding, and inflight discounts. There are bonus categories to earn more miles, and special expanded award seat inventory for credit card holders to make it easier to actually redeem those miles for flights. Right now is a good time to apply as there is a boosted limited-time offer.

Also see: Top 10 Best Credit Card Bonus Offers.

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

Top 10 Best Small Business Credit Card Bonus Offers – November 2020

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 November 2020. Do you have small business income or work as an independent contractor? Freelance, 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 offers, and with these recent changes:

  • New JetBlue 100k, United 75k, Southwest 100k, Hilton 130k, Alaska +$200 offers.

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.

Southwest Rapid Rewards Performance Business Card

  • Up to 100,000 Rapid Rewards points. 70,000 points after you spend $5,000 on purchases in the first 3 months. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first 6 months. (100,000 points is redeemable for $1,500+ in Wanna Getaway airfare.)
  • This is enough to qualify for the Southwest Companion Pass in 2020 alone. Or combine with the Southwest Rapid Rewards Premier Consumer Card.
  • Global Entry or TSA PreCheck® Fee Credit of up to $100, repeatable every four years.
  • $199 annual fee + 9,000 bonus points after each Cardmember anniversary.
  • Subject to 5/24 rule.

JetBlue Business Card (Barclaycard)

  • Up to 100,000 total bonus TrueBlue points. 50,000 bonus points after $1,000 in purchases and paying the $99 annual fee, both within the first 90 days. Additional 50,000 bonus points after a total of $6,000 in purchases within the first 12 months. Limited-time offer. See link for details.
  • Free first checked bag for you and up to 3 companions when you use your JetBlue Plus Card.
  • $99 annual fee.

United Explorer Business Card

  • 75,000 United miles after $5,000 in purchases in the first 3 months. See link for details.
  • Free first checked bag for both you and a companion (a savings of up to $140 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.

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. See link for details.
  • Availability may be restricted to certain states.
  • $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. Limited-time offer. 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.

Hilton Honors American Express Business Card

  • 130,000 Hilton Honors points after $3,000 in purchases within the first 3 months. See link for details and rough valuation of points.
  • Free Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • $95 annual fee.

American Express Plum Card

  • $600 cash back. Earn a $200 statement credit after each $10,000 you spend in purchases, up to $600 on $30,000 of purchases, 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.

Chase Ink Business Preferred Card

  • 100,000 Ultimate Rewards points (worth $1,250 towards flexible travel) 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.

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.

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.

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.

American Express Business Platinum Card

  • Up to 75,000 Membership Rewards points after you spend $15,000 in your first 3 months. See link for details.
  • Largest airline lounge access network. Includes Delta Sky Club membership + their own Centurion lounges.
  • Additional benefits for 2020 due to COVID-19. $200 in Dell credits, $20 in statement credits per month on U.S. purchases for shipping, up to $20 in statement credits per month on wireless telephone services purchased directly from U.S. service providers.
  • $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.

Wells Fargo Business Platinum Card

  • $500 cash back bonus after $5,000 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.

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.

JetBlue Plus Mastercard: 100,000 Bonus Points (Highest Ever)

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.

The JetBlue Plus Mastercard has improved their limited-time offer to 100,000 bonus TrueBlue points for first-time cardmembers. You can also find it on the bottom of the JetBlue.com front page with the caption “Best. Offer. Ever.” (This is true, the standard offer is 40k and previous bumps were to 60k.) Here are the highlights:

  • Up to 100,000 total bonus TrueBlue points. Earn 50,000 bonus points after $1,000 in purchases and paying the $99 annual fee, both within the first 90 days. Earn an additional 50,000 bonus points after a total of $6,000 in purchases within the first 12 months.
  • First checked bag is free for the primary cardmember and up to 3 companions when tickets are purchased with your JetBlue Plus Card.
  • 6X points on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Annual $100 statement credit after you purchase a JetBlue Vacations package of $100 or more.
  • Points awarded in your TrueBlue account don’t expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases including cocktails, food and movies.
  • Get 10% of your points back every time you redeem to use toward your next redemption.
  • 5,000 TrueBlue bonus points annually after your account anniversary.
  • $99 annual fee.

First checked bags on JetBlue usually cost $35 each-way, per person. The free checked bag perk applies to you and up to 3 travel companions on the same reservation when (1) the ticket is purchased with your JetBlue Plus card, (2) the primary cardmember’s TrueBlue member number must be entered at the time of booking. That works out great for a family traveling together. If you buy higher fare classes, a certain number of complimentary bags may already be included.

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

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

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

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

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

Bottom line. The JetBlue Plus card from Barclaycard is running a limited-time offer – actually their highest bonus ever, but obviously comes at a time when JetBlue is a bit desperate for revenue and many are not traveling. At 1.4 cents per TrueBlue point, 100,000 bonus points can be valued at $1,400 towards JetBlue fares. Minus the $99 annual fee, and that is a very high first-year value even for occasional JetBlue customers. If you are confident you will fly JetBlue at some point in the future, the offer is strong enough that you could considering banking the points for future travel.

I will be adding this to my list of Top 10 Best Credit Card Bonus Offers.

There is also a limited-time 100k bonus on the JetBlue Business card. I have added that card to my list of Top 10 Best Business Card Offers.

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

Chase Sapphire Cards Add $60/$120 Peloton Membership Credits

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.

Chase has announced a new Peloton membership benefits for Chase Sapphire Reserve and Preferred cardholders:

  • Chase Sapphire Reserve card now includes up to $120 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021.
  • Chase Sapphire Preferred card now includes up to $60 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021.

Cardmembers can activate their Peloton membership benefit simply by visiting Onepeloton.com/ChaseSapphire and enrolling in an eligible Peloton Membership using their Sapphire card. The statement credits will be applied automatically until reaching the full value offered on that card. Sapphire cardmembers are also invited to join the #SapphireSquad Tag within Peloton to connect to others in the community and find and motivate each other on the Leaderboard.

Peloton Digital membership is $12.99 per month and includes live and on-demand workouts streamed to your smartphone, tablets, and computers across 10 exercise categories including strength, yoga, meditation, cardio, stretching, and others like cycling and running. There is also a free 30-trial for new members that you should taken advantage of first. No Peloton hardware is required.

Peloton All-Access Membership is $39 per month and is their original service that works with the Peloton bike and treadmill.

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: 60,000 Bonus Points = $750 In Travel

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.

The Chase Sapphire Preferred Card is a premium travel rewards credit card that has gotten very popular due to its rewards structure and valuable Ultimate Rewards points. The card earns points that can be redeemed for cash, travel credits, or transferred to airline miles. Here are the highlights:

  • 60,000 bonus Ultimate Rewards points after $4,000 in purchases within the first 3 months.
  • 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. That means 60,000 points are worth $750 toward travel. No blackout dates. As long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out. 1 point per dollar spent on all other purchases.
  • New: 2X points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
  • Free year of DoorDash DashPass. Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21. If you are new customer to DoorDash and sign up via my DoorDash referral link, you will get $10 off your first 3 DoorDash orders over $20 ($30 total savings). I will get food credits as well. Thanks if you use it!
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
  • New: $60 in statement credits on Peloton Digital and All-Access Memberships through 12/31/2021.
  • No foreign transaction fees.
  • 1:1 point transfer to leading airline and hotel loyalty programs.
  • $95 annual fee.

COVID-19 Note: Chase has added a number of new flexible benefits to this card on a temporary basis to compensate for the effects of COVID-19. This includes the ability to redeem your Ultimate Rewards points towards grocery store, dining out, and home improvement purchases through April 2021.

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, 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 like 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 60,000 Ultimate Rewards points worth 60,000 United miles, 60,000 Hyatt points, or $750 towards travel when you redeem through Chase Ultimate Rewards travel portal. The 2X points on travel and dining out is attractive (although the new Freedom Flex now offers 3X on dining out).

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.

See also: 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.

Chase Sapphire Reserve Card Review: 50k Points Worth $750 in Travel, $300 Annual Travel Credit, $550 Annual Fee, New Lyft/DoorDash Perks

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: Chase has added new flexible 3X grocery store benefits and $120 in Peloton statement credits.)

Chase has updated their “ultra-premium” credit card, the Chase Sapphire Reserve Card, which has headline features of Visa Infinite benefits, 50,000 Ultimate Rewards points sign-up bonus, $300 annual travel credit, 3X points on travel and dining, and a $550 annual fee. Here is the long list of perks:

  • 50,000 Bonus Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months. That can be redeemed for $750 of airfare, hotels, and other travel through Chase Ultimate Rewards.
  • $300 annual travel credit. Every year, the card will rebate you back up to $300 in travel purchases such as airfare and hotel nights charged on your card.
  • Up to $100 statement credit towards Global Entry or TSA PreCheck.
  • Priority Pass Select membership. Provides free access to 1,000+ airport lounges in over 400 cities worldwide.
  • 3X points per $1 spent on travel & dining worldwide. The 3X points on travel kick in immediately after earning your $300 travel credit. 1 point per $1 spent on all other purchases.
  • DoorDash credits. Up to $120 in statement credits towards DoorDash purchases ($60 in 2020 and another $60 in 2021). Also get $0 delivery fee with free DashPass membership for at least 1 year. If you are new customer to DoorDash and sign up via my DoorDash referral link, you will get $10 off your first 3 DoorDash orders over $20 ($30 total savings). I will get food credits as well. Thanks if you use it!
  • Free year Lyft Pink membership + 10x points on Lyft purchases through March 2022. Lyft Pink usually costs $19.99 a month and includes 15% off Lyft rides, 3 complimentary bike and scooter rides a month, and priority airport pickups.
  • Free Grubhub+ membership is now included with the Lyft Pink membership above. Added 10/6/2020. Details here. If you have not joined Grubhub yet, you can also get $10 off your first Grubhub order if you join via my referral link. I will get food credits as well. Thanks if you use it!
  • $120 in statement credits on Peloton Digital and All-Access Memberships through 12/31/2021.
  • 1:1 points transfer to various frequent flyer and hotel loyalty programs.
  • Annual fee is $550, not waived the first year.

Note the following text:

This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.

Ultimate Rewards points. This card offers a special 50% bonus on travel redemptions made through the Ultimate Rewards travel website. That is more than any other Chase card (a 25% bonus is the most otherwise). 50,000 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, 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.

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

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 like family members, as long as they have their own Chase card with Ultimate Rewards as an authorized user (free with Chase Freedom). This way, you can pool points together for transfers and redemptions if you like.

Additional card benefits:

  • Dedicated customer service line with a live person that answers the phone 24/7. No waiting or complicated phone trees.
  • No foreign transaction fees.
  • 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
  • Enjoy special car rental privileges from National Car Rental, Avis, and Silvercar when you book with your card.

Note that 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.

As for the $300 annual travel credit, “annually” means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date. So it’s not exactly by calendar year, but roughly close and you can likely get this twice under the first year’s annual fee.

To be perfectly honest, I don’t need the new Lyft and DoorDash perks very much. I have also been redeeming my points for Hyatt hotel nights primarily, so I will stick to the Chase Sapphire Preferred card with a lower $95 annual fee and the same 1:1 ratio for turning Ultimate Rewards points into Hyatt points. I will miss the Reserve’s 3X earning power on travel on dining, however! Your spending and point-redeeming situation may be different.

Bottom line. The Chase Sapphire Reserve Card has a 50,000 Ultimate Rewards points sign-up bonus, $300 annual travel credit, 3X points on Dining/Travel, Priority Pass Select airport lounge membership, up to $100 Global Entry application credit, Lyft perks, DoorDash perks, and more… in exchange for a $550 annual fee. You should compare against that of the Chase Sapphire Preferred card, which has less perks but also a lower 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.

Free Uber Eats Pass with American Express Gold, Green, and Platinum Cards

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.

American Express has announced new Uber perks for US holders of the American Express Gold Card, the American Express Green Card, or The Platinum Card from American Express. First, consumer Platinum, Gold and Green cardholders can enroll now for a complimentary Eats Pass Membership for up to 12 months. Uber Eats Pass usually costs $9.99 a month ($119 a year) and includes:

  • $0 delivery fee + 5% off restaurant orders of $15+.
  • $0 delivery fee on grocery delivers of $30+
  • Unlike Doordash Dasspass and Grubhub+, these benefits apply to every restaurant available on Uber Eats, not just select participating restaurants.

Note the fine print:

Offer valid thru 12/31/2021 on U.S. subscription. Pass will auto-bill starting 12 months from initial enrollment in this offer, at then-current monthly rate.

If you haven’t signed up for Uber Eats yet, you can first use my referral link to get $20 off your first order of $25+. Or simply apply this promo code at checkout: eats-ubermymoneyblog. Thanks if you use it!

In early 2021, the American Express Gold Card will also be getting $10 a month ($120 annually) in Uber Cash, which works both on Uber Eats orders and Uber rides in the US. For 2021, there will still be the $100 incidental airline credit (baggage fees, etc) but it has been announced as going away in 2022. This is in addition to the other $10 a month ($120 annually) dining credit which works on Grubhub, Seamless, and other select restaurants.

So in 2021, Gold cardholders can get all three credits: $120 Uber Cash, $120 Grubhub/Seamless/dining credit, and $100 Incidental Airline Fee credits. Right now the American Express Gold is also running a 60,000 point limited-time offer (the highest I’ve seen), making this is the best opportunity in a while to apply as a new cardholder.

It certainly looks like American Express is working hard to make their Gold card a better competitor against the Chase Sapphire line-up. This follows closely on the heels of the Chase Sapphire Reserve including Lyft Pink and Grubhub+ memberships, in addition to Dashpass and Doordash credits.

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.