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Credit Cards

Maximizing Cash Back Credit Cards

January 27, 2014

While I tend to talk most about the best credit cards for earning points and miles towards travel, cash back credit cards can be a great alternative for a lot of folks out there thanks to a few factors. First, instead of just a particular airline or hotel co-branded card where you can only use […]

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Does It Make Sense to Cancel A Credit Card with No Annual Fee?

January 26, 2014

TPG reader Clayton tweeted me to ask: “@thepointsguy: Is there ever a reason to cancel a card with no annual fee? I have a Macy’s card I used in the past, but now sits in a drawer.” The largest factor in having a high credit score is paying off your balances on time. But there […]

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What Is The Best Credit Card For Airline Employees To Get?

January 19, 2014

TPG reader Jennifer works for an airline, and is wondering what the best travel credit card to get is in her situation: “Hi Mr. Points Guy, I was wondering if I could ask your advice on the best credit card for airline employees? This is a challenge, because generally, we do not use points for […]

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Will Credit Card Companies Flag $60k A Year In Purchases When My Annual Income Is $95k?

January 19, 2014

TPG reader Andrew emailed asking about the Amex Bluebird: “I signed up for a Bluebird account last year in Q4 and have been maxing out the $5k spend per month on Vanilla Reloads at CVS.  Here are my two questions: 1) My yearly Vanilla Reload spend on the one credit card (the one that provides […]

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The Top Credit Card Spending Bonuses for 2014

January 6, 2014

Now that we’re into the new year, it means it’s time to really plot out your credit card spending strategy for 2014, because there’s a lot more to maximizing credit card rewards than simply raking in the sign-up bonuses. While an easy boost  to your miles and point balances, a more sustainable approach is to […]

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The Top 5 Credit Cards for Travel Rewards

January 2, 2014

Since it’s a new year, I’ve already started to hear from a lot of friends and family that they are sick of seeing my amazing travels and not being able to go places themselves. So they’re going to buckle down in 2014 and get into the points and miles game, starting with applying for the […]

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Maximizing Points For Holiday Gifts and Gift Cards

November 25, 2013

I can’t believe it’s already Thanksgiving, and that means the holidays – and all those holiday shopping deals – are right around the corner. While I usually use my miles and points for travel redemptions since I get the most value from them that way, I know a lot of people like to use their […]

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Amex Business Gold Rewards 30,000 Point Signup Bonus

November 19, 2013

Update: The offer for the Business Gold Rewards card has expired. Please find the current offer here.  The offer mentioned below for the Platinum Card from American Express has expired. View the current offer here. Update: The Amazon Prime benefit is no longer offered for the Platinum Card and Business Gold Rewards card and the Prime annual membership […]

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Credit Card Reward Program Regulations May Be On The Way

November 15, 2013

In the aftermath of the financial crisis, Congress passed financial regulations meant to add more oversight into the financial markets to hopefully avoid another crisis. In 2009 they passed the CARD act, which enforced new rules on credit card companies including how often they could change consumer APRs and how much they could charge merchants […]

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New Coin Card – All Your Credit Cards In One But Will It Work?

November 15, 2013

There’s been a lot of buzz (and a lot of reader questions) about a new credit card product that launched recently called Coin. Coin is a credit card-sized device that can store the information and accounts of credit or debit cards for you so you can don’t have to carry them all around in your […]

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Top 10 Cards In My Wallet And What I Use Each For

October 22, 2013

Update: The offer mentioned below for the Platinum Card from American Express has expired. View the current offer here. Update: The offer mentioned below for the Business Platinum Card from American Express has expired. View the current offer here. One of the questions people ask me all the time is how many credit cards I have and […]

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Comparing Current Amex Transfer Bonuses To British Airways And Virgin Atlantic

October 15, 2013

Yesterday, I reported that American Express launched two simultaneous transfer bonuses starting today, October 15, 2013. From now through December 31, 2013, Amex will be offering a 20% bonus on points transfers to partner British Airways. Also starting and running just through November 30, 2013, Amex will be offering a 30% transfer bonus to Virgin […]

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My Chicago Seminars Presentation: Advanced: Credit Card Strategies

October 14, 2013

Another year, another great Chicago Seminars! I once again had a fantastic time in Elk Grove, Illinois (about 20 minutes from O’Hare), meeting and greeting tons of other highly engaged (and slightly obsessed) frequent flyer and points hounds including The Frugal Travel Guy, Rick Ingersoll, and about 550 frequent flyer enthusiasts in attendance and several […]

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What’s The 1 Points-Earning Credit Card I Should Start With?

October 13, 2013

TPG reader Jamie tweeted me this week @thepointsguy with a question I get all the time: “We want to start with 1 card to start earning travel points while learning the ins & outs. Which credit card do you recommend?” It really all depends on what you’re looking to get out of your points – […]

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Earn Up To 60,000 Points ($600) with the Visa Signature Flagship Rewards Credit Card

October 11, 2013

One credit card I have wanted to take a look at lately is the Visa Signature Flagship Rewards from Navy Federal Credit Union. Right now, the card is offering a lucrative sign-up bonus of 60,000 points when you spend $3,000 within the first 90 days of opening your account. Credit Card Details Include: Earn 60,000 points when you […]

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Hotel Credit Cards That Offer Free Nights Every Year

October 1, 2013

A big trend with hotel credit cards is to offer free nights annual- whether it be after hitting a certain spend threshold or simply for renewing the card. These annual free nights can easily justify holding onto the card, even if you don’t spend on it since most hotel cards don’t offer the best bonus […]

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How Can You Expedite the Process of Receiving Credit Card Points from a Sign-up Bonus?

September 29, 2013

TPG reader Matthew asks: “Most airline credit cards I see say, “Please allow 6 to 8 weeks for Credits to post to your account” for their sign-up bonuses. If I want to travel within those 6-8 weeks (i.e. go home for Thanksgiving), is there any way to expedite that process, or specific cards that don’t […]

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What Credit Card Is Best For Cruises?

September 29, 2013

TPG reader Michael asks: “What card is best for cruises? Cruises appear to be excluded from the American Express Premier Rewards Gold Card 3x since cruising isn’t air travel. So, are the Chase Sapphire family of cards the best? What are your suggestions? Cruising carries a hefty price tag, and I’m somewhat surprised no credit […]

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Leveraging the Travelocity Amex

September 26, 2013

Lately Barclaycard has been making a major push into the market of travel points and rewards with a host of new products targeted at the US market including the Barclaycard Arrival and various airline and hotel-specific co-branded cards. The issuer has another potentially lucrative credit card offer for travelers, the Travelocity Rewards American Express. Don’t […]

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How Many Credit Cards Do You Have Open At Once And How Does That Affect Your Credit?

September 22, 2013

This question comes from TPG reader Seth, who asked: “How many credit cards do you have, what are the effects of having so many cards open at once, and do you ever decide to close them?” At the moment, I have 19 active credit cards – and that’s a number that scares some people, but […]

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Top Current 50,000+ Point Credit Card Offers

September 19, 2013

Update: This offer is no longer available. View the current offer for the Chase Southwest Rapid Rewards credit card here. With the reappearance of the 50,000-point sign-up bonus for the Southwest Rapid Rewards Premier Visa announced yesterday, I know many of you might be thinking about applying for it or some of the other credit cards out there offering […]

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Southwest 50,000 Point Offer Is Back Starting Today

September 18, 2013

Update: This offer is no longer available. View the current offer for the Chase Southwest Rapid Rewards credit card here.  Southwest.com is now showing a huge banner for the Chase Southwest Visa 50,000 point offer after $2,000 spent within 3 months, and remember, those points count towards the holy grail of travel rewards – the Southwest Companion […]

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How Can You Request a Better Bonus Offer After Applying for a Credit Card?

September 15, 2013

TPG reader Brad tweeted: “@thepointsguy If I submitted an application for a credit card with a 50,000-point bonus but just saw a 60,000-point offer that I qualify for, how can I get them to give me the 60,000 points?” This is one of the most vexing questions in the points world. Credit card offers change […]

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Which Credit Reporting Agencies Banks Use To Pull Your Credit Report – And Why It Matters

September 12, 2013

Update: The offer mentioned below for the Platinum Card from American Express has expired. View the current offer here.  One of the most important things to know when applying for multiple credit cards at a time is which credit bureau each bank pulls your credit report from. There are three main credit bureaus or credit reporting […]

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