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Credit Cards

Amazon Payments – Send and Receive Money with a Credit Card

July 28, 2014

Today TPG Contributor Jason Steele offers insights into using Amazon Payments, a program for sending and receiving payments online with the option of using a credit card. Perhaps you’ve heard of Amazon Payments from Amazon.com, the retailing giant’s web-based payments platform. Amazon recently issued a high profile announcement that it would offer a smartphone integrated with Amazon Payments to allow […]

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Credit Cards That Offer Free Credit Scores

July 28, 2014

Earlier this year, I shared how credit scores are calculated and which credit cards offer cardmembers a free look at their credit scores. In late February, though, the U.S. Consumer Financial Protection Bureau announced that it’s urging major credit card issuers to provide free credit scores and related information to their customers. Several more cards and issuers have since hopped […]

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How Do I Use Points And Miles from a Rewards Credit Card?

July 27, 2014

I received our “super-newbie question of the week” from TPG reader Jessica, via Facebook: “I’m interested in getting a credit card for miles and points, but I’m not sure which one to choose. My main question is, how do you use the miles and points? Do they automatically come off your account when you pay, or do you […]

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Should I Reduce My High Credit Limit If I Don’t Use It?

July 27, 2014

There are a lot of different factors that influence your credit score, the biggest ones being paying your bills on time, and the amount of credit that you’re utilizing. For example, if you’ve got $20,000 of available credit between all your accounts, and you’re running a combined balance of $17,000, that represents a high credit utilization, and […]

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Should I Pay a Fee to Meet Credit Card Spend Requirement?

July 27, 2014

‪TPG reader Carla tweeted this week: “@thepointsguy do you think it makes sense to pay my expensive NYC rent on a credit card to meet min CC spend if there’s a $50 fee to do so?” In an ideal world we would be able to pay any bill with a credit card with no fee […]

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Marriott Rewards Premier Visa 70,000 points & Free Night

July 24, 2014

While the bonus for the Marriott Rewards Premier Visa from Chase normally sits at 50,000 points, there has been a public offer floating around for 70,000 points (after spending $2,000 within the first 3 months) plus one free night at a category 1-4 property upon approval. Here are the full details of this offer: For a limited […]

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70,000 Point Signup Bonus for Chase Ink Plus

July 24, 2014

Chase is currently offering a signup bonus of  70,000 Ultimate Rewards points for the Ink Plus card when you apply in a Chase branch. That’s 20,000 points more than the current standard 50,000 point offer, however, the $95 annual fee is not waived. I value Chase Ultimate Rewards points at 2.1 cents each because they have strong […]

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Maximizing Citi Hilton Reserve Free Nights

July 22, 2014

Today, TPG Contributor Nick Ewen offers insight into how (and where) to use the 2 free weekend nights that come with the Citi Hilton Reserve card.  One of the best hotel credit cards out there right now is the Citi Hilton Reserve Visa card. I added it to my wallet just a few months after it was […]

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Citi ThankYou Rewards Adds New Transfer Partners

July 21, 2014

Citi ThankYou Rewards has for a long time been the pipsqueak little brother to the major transferable points programs: Chase Ultimate Rewards, Amex Membership Rewards, and Starwood Preferred Guest. Without transfer options, the most you could hope to get from ThankYou points was about 1.25 cents apiece, and that was only for Citi Premier and Citi Prestige […]

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Chase Sapphire Preferred Ups Auto Coverage, Nixes Dividend

July 21, 2014

The Chase Sapphire Preferred card is one of the top all-around travel credit cards- offering both valuable earning capability (2 points per dollar spent on travel and dining) and strong redemption options with 11, 1:1 transfer partners and 1.25 cents per point when redeemed for travel through Ultimate Rewards. Benefit Changes This weekend, Chase made […]

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Best Travel Credit Card Offers for July 2014

July 18, 2014

Update:  As of July 20, 2014, the Chase Sapphire Preferred Card no longer offers the 7% annual points dividend. The travel credit card marketplace is an ever-shifting landscape. Offers come, offers go. Bonuses rise, bonuses fall. It pays (literally) to stay on top of the latest news to make sure you get in on the […]

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Citi Hilton Reserve Card: $100 Statement Credit Ending Soon

July 16, 2014

Update: The offer mentioned below for the Citi Hilton HHonors Reserve Card has expired. View the current offer here.  The Citi Hilton Reserve card is one of the top travel credit cards on the market and one that I’ve had for a couple years and plan to have in perpetuity as long as the card […]

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How Card Applications Affect Your Credit Score

July 16, 2014

Today, TPG contributor Jason Steele reviews how new credit card applications impact your FICO score, and reminds us to consider the big financial picture when playing the points and miles game. There’s no way around the fact that credit card sign-up bonuses are among the quickest and easiest ways to earn points and miles. Even if you […]

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Citi Executive AAdvantage 100,000 Mile Offer Going Strong

July 14, 2014

One of the best deals out there is the 100,000 mile offer for the Citi Executive AAdvantage, which I posted about earlier this month. I myself have gotten 3 of them (yes, that’s right, 3), and all three accounts are still open. You might wonder why I would keep all three cards when each one incurs a […]

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Which Credit Card is Best for Large Business Expenditures?

July 13, 2014

TPG reader Mark sent me a question on Facebook: “I’m a business owner and charge between $100,000-$200,000 per month. I’ve been using the Citi AAdvantage & Executive Mastercard, but they don’t have high enough limits. Any suggestions?” As a business owner, it’s awesome to be able to put all of your business expenses on a points earning credit […]

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Should I Use the Delta Amex to Get Silver Elite Status?

July 13, 2014

TPG reader Joe emailed me to ask: “My new husband and I have both the Platinum Delta Amex and the Chase Sapphire Preferred Card (both in my name with him as an authorized user). We currently don’t have status with any airline, but primarily fly Delta from Kansas City, and have been working towards our $50,000 spend […]

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Can You Transfer Chase Freedom Points to Marriott?

June 29, 2014

This week TPG reader Carli tweeted: “@thepointsguy is there any way to transfer chase freedom points to Marriott Rewards without having a chase premium card?” Unfortunately the answer to Carli’s question is no. In order to transfer points earned from the Chase Freedom Visa, you need to also have a premium Chase card like the Sapphired Preferred, Ink Bold […]

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Do I Have to Cancel a Card Before Applying a Second Time?

June 29, 2014

TPG Reader Christopher emailed me to ask: “if I apply for the same card multiple times (like you did with the Citi AA) do I have to cancel the existing card first?” The short answer is “maybe”. Some card issuers are more lenient than others and it even depends which specific product you’re trying to get. The Citi Executive AAdvantage […]

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Capital One Venture vs. Barclaycard Arrival Plus

June 27, 2014

The past few years have seen a number of fixed value credit cards unveiled in the market.  With the recently increased signup bonus for the Capital One Venture Rewards card (from 20,000 to 40,000 miles after spending $3,000 within the first 3 months), it’s now neck and neck with the Barclaycard Arrival Plus World Mastercard at the front of the pack. […]

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Vanilla Cards and Bluebird At WalMart – Lessons Learned

June 25, 2014

Over the last month, manufactured spending participants realized that they could no longer load their Bluebird cards at WalMart stores using Vanilla brand gift cards and debit cards. At first there was a clever workaround, but now the method appears to be truly dead for the foreseeable future. One reader wrote in to say that he […]

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Top Credit Card Offers With No Annual Fee

June 23, 2014

Update: The offer mentioned below for the Chase Freedom Visa has expired. View the current offer here.  So far 2014 has been a great year for new credit cards and increased sign up bonuses. Most notably, American Express came out with the first Membership Rewards earning card with no annual fee, the Amex Everyday. While […]

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Have Devaluations Made Credit Card Points More Valuable?

June 22, 2014

Update: The offers mentioned below for the Starwood Preferred Guest Credit Cards from American Express have expired. View the current offers here –personal, business. Both 2013 and 2014 have seen a trend in loyalty program devaluations. Hilton kicked off the devaluation parade in early 2013, followed by Delta and United over the past several months. Even Southwest devalued their Rapid Rewards program […]

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Capital One Venture Rewards Card Bonus Now 40,000 Miles

June 18, 2014

The Capital One Venture Rewards Card has doubled its sign up bonus from 20,000 miles to 40,000 after $3,000 in spend within the first 3 months and the $59 annual fee is waived the first year. While 20,000 miles was equal to $200 you can now get $400 in travel when redeeming those miles to cover […]

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Getting The Most Rewards For Your Minimum Spend

June 16, 2014

TPG contributor Jason Steele comes back this week to analyze minimum spend. Perhaps we are living in the golden age of credit card rewards, where banks are eager to offer us so many valuable points and miles just for giving them a chance to earn our business. Nevertheless, most of these offers require a significant […]

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