United Business Card Review: 60,000 Bonus Miles, First Year Annual Fee Waived, New 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.

The UnitedSM Business Card offers unique perks for regular United customers including free checked bags and expanded award seat availability for redeeming miles. Here are the highlights:

  • 60,000 bonus United miles after spending $3,000 within the first 3 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.
  • Priority boarding for you and companions on the same reservation on United-operated flights.
  • Two one-time United Club passes each year ($100+ value)
  • Expanded award availability. Having this card makes it easier to redeem for that saver award economy ticket.
  • $100 annual United travel credit after 7 flight purchases of $100 or more.
  • 5,000 miles annual bonus miles when you have both the United Business Card and a personal Chase United credit card.
  • 25% back on United inflight purchases.
  • 2X miles per $1 spent on local transit and commuting, including train tickets, taxi cabs, mass transit, tolls and ride share services.
  • 2X miles at restaurants, gas stations and office supply stores.
  • 2X miles on United purchases and 1 mile per $1 spent on all other purchases.
  • 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.
  • Employee cards at no additional cost.
  • $0 intro annual fee for the first year, then $99.

This card is considered a “new” card, differ from the old Business Explorer card:

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.

In addition, you can get this card and bonus if you had the consumer version of the United Explorer in the past 24 months (or have one now).

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

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

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

This card is very focused on rewarding you for being a United customer. Before you board, you might use one of your free United Club lounge passes. You have the first checked bag for free on United flights, both for your and a companion traveling on the same reservation. The fee is usually $30 per person, each way, so that this how they get the value of $120 each roundtrip. You also get Priority Boarding, which helps you find space for your carry-on.

Expanded award 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 it is actually a significant difference. 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 many other 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 Business card offers valuable 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, the first year annual fee is waived.

See also: Top 10 Best Small Business 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.

Gold Delta SkyMiles American Express – 70,000 Mile Offer, New Features

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 Delta SkyMiles Gold American Express has a limited-time offer if you are referred. Highlights:

  • 70,000 bonus miles. 60,000 miles after you spend $2,000 in purchases within first 3 months. Earn an additional 10,000 Bonus Miles after your first anniversary of Card Membership. Special Offer Expires: 04/01/2020.
  • 60,000 Skymiles is worth $600 in Delta airfare minimum. With this card, you get a minimum value out of your Skymiles via the “Pay with Miles” option. 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.
  • New feature – $100 Delta flight credit after $10,000 in purchases on your card in a calendar year.
  • First checked bag free. Delta now charges $30 for the first checked bag, each way. That means this perk is worth $60 per person each roundtrip. For a family of four, this perk is worth $240 per person each roundtrip.
  • Annual fee is waived for the first year, then $99.

Here is the new rewards structure on card spend:

  • 2X miles at restaurants.
  • 2X miles at U.S. supermarkets.
  • 2X miles on Delta purchases. 2 miles for every dollar spent on eligible purchases made directly with Delta.
  • 1 miles per dollar spent on all other purchases.

Here is my link for the Gold Delta SkyMiles American Express referral offer. Thanks if you use it.

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

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

Citi® Diamond Preferred® Card: 0% APR For 18 Months on Balance Transfers

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.

One of the most common resolutions is to pay down debt. Rewards-earning credit cards may not be optimal for those carrying balances and thus more impacted by 18% interest rates than a relatively puny 2% back on purchases. Consider the Citi® Diamond Preferred® Card, which doesn’t offer a fancy rewards structure but has brought back their longest 0% APR intro balance transfer period. The highlights:

  • 0% Intro APR on balance transfers for 18 months from date of first transfer. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 18 months from date of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No annual fee.

The strong part of this card is the long 18 month period, so you can spread out payments over 1.5 years and ideally pay it all off by the end. There is a 3% balance transfer fee ($5 min). However, if you’re currently paying 18% APR, then a 3% fee is the equivalent of paying 2 months of interest at that previous rate, and then you’ll still be left with 16 months at 0% interest.

Once the intro period on all 0% cards expire, the rates will go right back up. You’ll either need to pay it off or transfer your balance again if you need more time. This card lets you spread your payments out over 18 months instead of 6 or 12.

If you are certain that you can pay it off within a shorter time period, look for a card with no balance transfer fee. Compare with other low fee 0% APR balance transfer offers.

Bottom line. The Citi® Diamond Preferred® Card is a card targeted that for those serious about paying down their balances. The 0% introductory period of 18 months on balance transfers is the longest they offer, with a one-time 3% balance transfer fee ($5 min). 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.

Capital One® Spark® Cash For Business: $500 Bonus Offer

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

The Capital One® Spark® Cash for Business card is a rewards business card offering a big early spend bonus offer in addition to ongoing 2% cash back rewards. Here are the highlights:

  • Unlimited 2% cash back on all purchases.
  • $500 cash bonus when you spend $4,500 in purchases within the first 3 months.
  • $0 annual fee for the first year, then $95 annual fee after that.
  • Cash back rewards don’t expire as long as your account is open.
  • No foreign transaction fees.
  • Free additional employee cards.

Consider that if you meet the $4,500 spending requirement within 3 months, you will end up with $500 + $90 from 2% cash back – that’s $590 on $4,500 spending (13% cash back!).

Note that “Existing or previous Accountholders may not be eligible for this one-time bonus.” For comparison, there is also a Spark Select for Business and Spark Classic that are different cards with lower sign-up bonuses but no annual fee.

The 2% cash back for all purchases is a strong rewards structure, and the annual fee is waived for the first year as well. From the second year onward, you’ll have to weigh that against the $95 annual fee after the first year. The math says that you would have to spend more than $19,000 every year ($1,583 a month) to make the 2% back and $95 annual fee (Spark Cash) pay out more rewards than 1.5% cash back and no annual fee (Spark Cash Select).

Here is some info taken from the Terms and Conditions regarding rewards cash back redemptions:

How do I redeem my rewards?
You can get your cash back upon request in the form of a statement credit or a check. You can also set up an automatic redemption preference; options include: (1) at a set time each calendar year or (2) when a specific threshold ($25, $50, $100 or $200) has been reached. Just go online to capitalone.com or contact our Rewards Center. You can also redeem for credits for previous purchases, gift cards, and more. Rates for these redemption options may vary and are subject to change without notice.

Alternatively, the Capital One Spark® Miles for Business has a 50,000 mile bonus – redeemable for $500 statement credit towards travel – once you spend $4,500 in purchases in the first 3 months.

The travel can be booked directly through airlines and hotels, and there are no blackout dates or award seat limits to worry about. $0 annual fee for the first year, then $95 annual fee after that. No foreign transaction fees. Similar to the offer above, the Spark Miles offers 2 miles per dollar with the $95 annual fee but there is also a Spark Miles Select for Business that offers 1.5 miles per dollar with no annual fee.

Mileage transfer options. Capital One now allows you to transfer your “miles” into select airline miles programs as well, on a 2:1.5 ratio (ex. 20,000 Capital One miles = 15,000 Air Canada Aeroplan miles). Here are the 12 transfer partners:

  • Aeromexico
  • Air Canada Aeroplan
  • Air France/KLM
  • Alitalia
  • Avianca
  • Cathay Pacific
  • Etihad
  • EVA
  • Finnair
  • Hainan
  • Qantas
  • Qatar

Unless you know how to leverage one of these international airline miles programs, I would prefer earning cash rewards over the “miles”, since these Capital One “miles” only get their maximum value when redeemed against a travel purchase.

If you are looking for a comparison with other strong business cards, check out my updated list of Top 10 Best Small Business 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.

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

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 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 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 Business Platinum Card Review: 75,000 Bonus Points

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 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. Here are the details:

  • 75,000 Membership Rewards points. Earn 50,000 Membership Rewards points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 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 75,000 Membership Rewards points can be worth $1,155 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 75,000 Membership Rewards points worth $1,155 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).

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 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.

Hilton American Express Cards Limited-Time Offers – Up to 130,000 Hilton Points Each

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 business card offer. Hilton Hotels has two American Express consumer cards, a no annual fee and a $95 annual fee version (with more perks of course). There is also a business card version. Each person can only get one welcome offer, per card in your entire lifetime, so it’s best to apply during one of these temporary bump-ups. (You could get all three of these welcome offers separately, but only one per card per person per lifetime.)

Hilton Honors American Express Surpass® Card

  • 130,000 Hilton Honors Bonus Points after $2,000 in purchases within first 3 months.
  • Earn an additional Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • 12X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 6X Hilton Honors points on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3X Hilton Honors points for all other eligible purchases.
  • Free Honors Gold status (free breakfast, room upgrades based on availability, 5th standard reward night free).
  • Spend $40,000 in a calendar year on this card and get Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.

(This offer is for first-time Surpass cardmembers only, and not eligible for those who previously had an Ascend Card.)

Hilton Honors American Express Card

  • 80,000 Hilton Honors bonus points after $1,000 in purchases within the first 3 months.
  • 7X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 5X Hilton Honors points on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3X Hilton Honors points for all other eligible purchases.
  • Free Honors Silver status (5th standard reward night free, 2 bottles of water in your room).
  • Spend $20,000 in a calendar year on this card and get Honors Gold status through the end of the next calendar year.
  • No foreign transaction fees.
  • No annual fee.

Hilton Honors American Express Business Card

  • 130,000 Hilton Honors bonus points after $3,000 in purchases within the first 3 months.
  • Earn a Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases in the same calendar year.
  • 12X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 6X Hilton Honors points on Select Business & Travel Purchases (ex. U.S. gas stations, U.S. restaurants, flights booked directly with airlines)
  • 3X Hilton Honors points for all other eligible purchases.
  • Free upgrade to Honors Gold status (free breakfast, room upgrades based on availability, 5th standard reward night free).
  • 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • $95 annual fee.

What are Hilton Honor points worth? The best value is from booking free hotel nights or using their “Points & Money” option where you pay with a combination of Hilton points and cash. Hilton has some really nice properties, but the value varies from hotel to hotel. I just ran a search and for the same 60,000 Hilton points, I could book rooms that cost $320 or $532 cash. I’ve seen some valuations around 0.6 cents per point, which I think is fair on average, but I would be more conservative at 0.5 cents a point. That would make 90,000 points = $450 value and 130,000 points = $650 value towards Hilton hotel stays.

The good part of Hilton points is that they have so many different hotel brands, from business-class DoubleTree to luxury Waldorf Astoria. Hilton also lets you transfer and pool points with other with other family or household members. As long as you keep them active (once every 12 months), I do like to keep some around. These credit cards are good at creating activity, but here’s another tip on how to keep Hilton points active.

Bottom line. Hilton American Express cards offer regular Hilton customers a good opportunity to earn additional points towards free Hilton hotel stays as well as additional perks like status upgrades. The best time to apply for a Hilton co-branded American Express card is during a limited-time increase to their welcome offers. This is because American Express has changed their policy to only allow each person to get a welcome bonus once per card per lifetime.

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.

Chase World of Hyatt Card Review: 50,000 Bonus Points (Multiple Free Nights)

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 launched a new The World of Hyatt credit card, which replaces their previous Hyatt co-branded card. There is a current sign-up bonus of up to 50,000 Hyatt points. Here are the highlights:

  • Up to total 50,000 points – 25,000 points after you spend $3,000 on purchases in the first 3 months from account opening. Additional 25,000 bonus points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year.
  • Get automatic World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year.
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card.
  • $95 annual fee.

If you’ve gotten a bonus from any Hyatt Card within the last 2 years, please note the following:

The product is not available to either (i) current Cardmembers of any Hyatt Credit Card, or (ii) previous Cardmembers of any Hyatt Credit Card who received a new Cardmember bonus within the last 24 months.

If you have the old Chase Hyatt card, you can call them up and ask for upgrade options.

The 5/24 rule applies to this card. On many Chase cards, there 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 (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This is applied on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers. The 5/24 rule is now believed to apply to this card.

What can you get with 50,000 Hyatt points? Here are all the Hyatt redemption options, but the most popular options are for free hotel nights, points+cash hotel combinations, or room upgrades. Hyatt allows you the flexibility of combining your points with any other World of Hyatt member to redeem an award.

After the recent Marriott/Starwood merger, I believe that Hyatt points are now the most valuable hotel points on a per-point basis. In general, I would rather convert my Chase Ultimate Rewards points into Hyatt points than any other hotel program.

Below is their points award chart, and here is their award search tool. Free rooms start at 5,000 points. A suite upgrade is 6,000 points.

For example, 50,000 points can get you two free nights at the Category 6 properties like the Hyatt Regency Maui or Grand Hyatt Kauai (25,000 pts/night). You also avoid the resort fees of up to $45 per night with an award redemption. Alternatively, 50,000 points would get you 4 nights at a Category 3 like the Hyatt Regency Grand Cypress in Orlando (12,000 pts/night) with some points left over. Finally, you could get 10 nights at 5,000 points per Category 1 night like the Hyatt Place Austin/Round Rock.

If you compare with the cash cost of these hotels, the number varies you are nearly always getting between 1 cent and 2 cents per point value, sometimes more. We are staying at the Grand Hyatt Kauai this summer on Hyatt points from this card, where the cash value is $701 per night when you include all taxes and the $35/night resort fee. That works out to 2.8 cents per Hyatt point.

Annual fee and free anniversary night. This card does have a $95 annual fee, but in exchange you get a Free Night Certificate good at any Category 1-4 hotel or resort. I can easily get $95 of value out of this certificate, so this card is a keeper card for me. Your travel situation may be different.

You can also earn an additional free night at any Category 1-4 Hyatt hotel if you spend $15,000 during your cardmember anniversary year. I had to spend $6,000 to reach the sign-up bonus the first year, so I went ahead and reached this hurdle to reach a total of 2 free Cat 1-4 nights + 50,000 points after the first year. I probably won’t go for it in future years, though.

Hyatt points expire after 24 months of inactivity, but earning points via this credit card counts as activity. Chase Ultimate Rewards points also convert to Hyatt points and the transfer counts as activity.

Ongoing rewards structure. I might book my Hyatt nights on this card, but the rest of the rewards aren’t terribly exciting to me.

  • 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member.
  • 2 points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.
  • 1 point per $1 spent on all other card purchasesoffer details reference link*

The free Discoverist status from this card gets you a free bottle of water daily, a free upgrade to premium WiFi internet, dedicated check-in area, and a 2pm late checkout upon request at participating locations. You are also eligible for a minor room upgrade within your type booked.

Bottom line. The Chase World of Hyatt card is the newer co-branded Hyatt credit card. As with most of these types of card, the best value is obtained by folks like like to stay at Hyatt properties. There is currently a 50,000 point sign-up bonus, an anniversary free night award, and a $95 annual fee. As long as you use the points up for free Hyatt hotel nights, the total net value of this card in the first year is easily over $500. For the two nights we booked at the Grand Hyatt Kauai, the cash cost would have been $1,400.

I will receive a commission for this card if you sign-up via my link. I have added this offer to my ongoing 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 Freedom Card Review: 5% Cash Back on Quarterly Categories + $150 Sign Up Bonus

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 Freedom Card is a popular cash back rewards credit card. What makes it unique is the combination having no annual fee and the ability to get 5% Cash Back on up to $1,500 in combined purchases in bonus categories each quarter. Here are the highlights:

  • $150 cash bonus after $500 in purchases within your first 3 months.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
  • New 5% categories every 3 months like Gas Stations, Restaurants, and Select Grocery Stores
  • Unlimited 1% cash back on all other purchases.
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers. 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • Free credit score, updated weekly with Credit JourneySM
  • No annual fee.

Note the following text regarding the sign-up bonus eligibility:

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.

2020 5% Cash Back Category Calendar

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

  • Amazon.com
  • Whole Foods Market

Activate each quarter at ChaseBonus.com, via your online account page, or call the number on the back of the card.  The categories usually include at least one big-spending area, and seem to go with the seasons (home improvement for spring, gas and travel for the summer). This is another “keeper” card for me, as I can keep it around and use it when the bonus categories fit my spending needs.

If you’d rather have “set it and forget it” rewards, compare with the Chase Freedom Unlimited Card, which offers a flat 1.5% cash back on everything (no special 5% categories) and no annual fee.

Synergy with Chase Sapphire Preferred and Chase Sapphire Reserve. 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.

This turns the 5% cash back categories into 5X Ultimate Rewards categories. That’s like earning 5 United miles per dollar spent, or 5 Hyatt points per dollar spent. With the Sapphire Reserve, 5X Ultimate Rewards = 7.5% back towards travel (flights, hotels) booked through the Chase travel portal.

Bottom line. The Chase Freedom Card is a unique cash back rewards card that lets you earn 5% cash back on select categories each quarter. It’s a little extra work to keep track of things, but it allows me to earn hundreds of dollars in extra cash each year without buying extra stuff I don’t need.

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.

Capital One Savor Cash Rewards Credit Card Review – $300 Bonus + 4% Back at Restaurants

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.

Does dining out and take-out describe your daily ritual? Capital One has refocused their Capital One Savor Cash Rewards Credit Card with a sign-up bonus, waived first year annual fee, and 4% cash back at restaurants. Here are the highlights:

  • $300 cash bonus after $3,000 in purchases within the first 3 months.
  • 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.
  • No foreign transaction fees.
  • No annual fee for the first year, $95 after that
  • Capital One cardholders get access to premium experiences in dining, entertainment and more.

Capital One says that existing Savor cardholders will be upgraded to the 4% back on dining and other features of the Savor, but will have their annual fee waived indefinitely. No sign-up bonus, though!

Purchase rewards details. Notable about this card is the 4% back on dining and entertainment. 4% is higher than most other rewards cards that offer some sort of boost on restaurant purchases, such as the Costco Anywhere Visa (my review) with 3% on restaurants (amongst other rewards categories), however it does charge an annual fee. Often one of the rotating 5% cash back cards has restaurants as a category.

If you already have one of those cards above, you’d have to spend decent chunk on dining out to justify paying that $95 annual fee after the first year. That $500 first-year bonus will buy a lot of grub, though! Of course, if you do dine out often, you might actually take advantage of their free Concierge service to help you get reservations at high-demand spots.

In case you were curious, the application page provides some direct clarifications on the rewards structure.

What counts as dining?
Purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries.

What counts as entertainment?
Buying tickets to a movie, play, concert, sporting event, tourist attraction, theme park, aquarium, zoo, dance club, pool hall or bowling alley. Also, making purchases at record store and video rental locations. This excludes non-industry entertainment merchant codes like cable, digital streaming, and subscription services.

What counts as a grocery store?
A supermarket, meat locker, freezer, dairy product store and specialty market. Excludes superstores like Walmart® and Target®.

Statement credits. The rewards on this card are nice and simple. You earn cash, which can be redeemed as a statement credit or a mailed check. There are other options, but none are especially interesting or more valuable than cash.

Credit approval details. This card says it requires “Excellent credit”. Capital One is known to limit you to two consumer Capital One credit cards per person. They are also a bit unusual in that they pull your credit reports from all three major bureaus, instead of just one.

Bottom line. The Capital One Savor Cash Rewards Credit Card has a $300 sign-up bonus, waived first year annual fee, and 4% cash back on dining and entertainment. Note the $3,000 of total spending required within 3 months – maybe it’s your turn to put group dinner on your card and have everyone else pay you back to take advantage of that 4% back.

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.

Chase Bank Bonus: $600 Total Checking + Savings, 60,000 Point Upgrade to Sapphire Banking

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 Bank has updated banking promotions for new customers without a Chase Bank account (closed more than 90 days ago and haven’t gotten a bonus in the last 2 years). The first bonus is for their Total Checking and Savings accounts, and if you satisfy that and have a Sapphire credit card, you can upgrade to the Sapphire Banking with higher requirements.

  • Up to $600 for opening a new Total Checking + Savings account. You must move over a direct deposit on the new checking account ($300 bonus), and/or deposit and maintain $15,000 in the savings account for 90 days ($200). Do both, and get another $100, for $600 total. The easiest way to avoid monthly fee is to keep $1,500 in Total Checking and $300 in Savings.
  • 60,000 Ultimate Rewards points for upgrading to a Chase Sapphire bank account. Got a Chase bank account and a Sapphire credit card? They want your business, so take a look at their upgrade offer to Sapphire Banking. You must move over $75,000 in assets (bank deposits or securities) to Chase Bank or Chase You Invest brokerage. You can simply move over some existing stocks, ETFs, or mutual funds via ACAT transfer and your tax cost basis should transfer. Alternatively, you could buy US Treasury bills in the brokerage account as an alternative to Chase Bank’s sad interest rates. You need to also have the Chase Sapphire Preferred or Chase Sapphire Reserve credit card.

Together, this could be up to $1,500 total value. If you have the Chase Sapphire Reserve card, the 60,000 points are worth $900 towards travel (or 60,000 airline miles). $900 airfare/hotel/car rental value + $600 cash = $1,500. If you have the Chase Sapphire Preferred card, the 60,000 points are worth $750 towards travel (or 60,000 airline miles).

Here are previous posts on the Chase Total Checking bonus and Chase Sapphire Banking bonus with more details.

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

Amex EveryDay Credit Card from American Express: 25,000 Point Referral Offer, 0% APR on Purchases for 15 Months

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 Amex EveryDay Credit Card from American Express is a great way to earn Membership Rewards points with no annual fee. Right now, there is also a welcome bonus and no balance transfer fee offer for new cardholders. This is the highest bonus I’ve seen for this no-annual-fee card that keeps MR points active. Here are the details:

  • 25,000 Membership Rewards Points welcome bonus after $2,000 in purchases in the first 3 months.
  • 0% intro APR for 15 months on purchases.
  • 2X points at US supermarkets on up to $6,000 per year in purchases (then 1X). 1X points on all other purchases.
  • 20% more points if you make 20 or more purchases in a billing period (less returns and credits).
  • No annual fee.

Note the following:

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

Earn Membership Rewards (MR) points with no annual fee. American Express has historically been a “premium”-only brand and most every card had an annual fee. This no-annual fee card is a move to welcome more consumers. In addition, if you have Membership Rewards points earned from other American Express cards, having this card would keep all of your MR points from expiring even if you closed those other cards (perhaps to avoid the annual fees). This way you keep the flexibility to transfer the points into a variety of frequent flier miles as needed. As there is no annual fee, I can keep this card open forever.

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

  • Delta SkyMiles
  • Hawaiian Airlines
  • ANA Mileage Club (partner of United Airlines)
  • Air Canada (partner of United Airlines)
  • British Airways (partner of American Airlines)
  • FlyingBlue (Air France/KLM)
  • Virgin Atlantic
  • Virgin America

With the 20% bonus for 20+ purchases per billing period, you would be getting 1.2 miles per dollar on all purchases and 2.4 miles per dollar at US supermarkets (up to $6,000 per year). A lot depends on how much value you can get out of those airline miles.

Unfortunately, there are many redemption options for Membership Rewards points that are worse than 1 cent per point value. Here are a few examples:

  • Shop with Membership Rewards Points (~0.5 cents per point)
  • Shop with Points at Amazon.com (~0.7 cents per point)
  • Use points at BestBuy.com (~0.7 cents per point)
  • Gift Cards (varies from 0.5 up to 1 cent per point max)

Bottom line. The Amex EveryDay Credit Card from American Express allows you to earn and maintain Membership Rewards points with no annual fee. The sign-up perks have been improved to include a 10,000 Membership Rewards points welcome bonus and 0% APR on purchases for 15 months.

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.