Can I List My Spouse’s Income on a Credit Card Application?

TPG reader Anandi sent me a message on Facebook to ask about getting a new credit card: “I started applying for the Chase Sapphire Reserve card, and it asked for my gross annual income. Could I include my husband’s income in that amount?” Among the many factors that can affect your credit application, your income (and…

Can I Earn Lifetime Airline Status from Spending Bonuses?

TPG reader Jared sent me a message on Facebook to ask about earning elite status: “Do credit card spending bonuses (like the MQM bonuses on some Delta Amex cards) count toward Million Miler status?” Even if you don’t fly often, airline credit cards can offer a lot of value. Sign-up bonuses will help you pad your frequent flyer account, and standard…

Will My Travel History Affect My Global Entry Application?

TPG reader Jaquelyn sent me a message on Facebook to ask about Global Entry: “The only thing that’s held me back from applying for Global Entry or TSA PreCheck is my travel patterns. I’ve been to the Middle East quite a few times in the past 10 years; will that affect my interview and my chances of being…

Can I Use Promotional Checks to Meet Spending Requirements?

TPG reader Christiaan sent me a message on Facebook to ask about cash advances: “I just got some 0% APR promotional checks from my new Southwest card. Can I use those checks to help me meet the spending requirement for the sign-up bonus?” There are plenty of credit cards that come with an introductory 0% APR on…

How Do I Earn Hilton HHonors Elite Status from Spending?

TPG reader Brian emailed me to ask about earning Hilton status: “You’ve mentioned that certain Hilton cards offer Diamond status if you spend $40,000 in a year — can you spend that amount on anything, or do you have to spend $40,000 with Hilton to qualify?” Many travel rewards credit cards offer annual bonuses as an incentive to cardholders. Some bonuses are awarded simply for…

Do Credit Card Category Bonuses Apply to Overseas Purchases?

TPG reader Steven sent me a message on Facebook to ask about earning rewards while traveling internationally: “Does the Chase Freedom 5x bonus work at international locations? Could I earn bonus points this quarter at, say, a drug store in Australia?” Credit card bonus categories are the bread and butter of award travel. By using the right card for each purchase, you can…

Can I Mix Hotel Points and Free Night Certificates for a 5th Night Free?

TPG reader Kevin sent me a message on Facebook to ask about booking hotel awards: “I have three free night certificates from the Ritz-Carlton card, and enough points to book a fourth night. Can I book those four nights and then get the fifth night free?” Fifth night free benefits are a great way to maximize your…

When Does the Sapphire Reserve Travel Credit Expire?

TPG reader Gilbert emailed me to ask about the timeline for using one of his credit card benefits: “Does the $300 travel statement credit on the Sapphire Reserve card have an expiration?” Several of the top rewards credit cards offer statement credits for travel purchases, which can help offset a large portion of the annual fee. The terms and conditions…

When Should I Transfer Points to Airline and Hotel Partners?

TPG reader Sai sent me a message on Facebook to ask about transferable points programs: “What’s the advantage of transferring Ultimate Rewards points to partners rather than booking through Chase?” There are a lot of benefits to redeeming Ultimate Rewards points through the Chase travel portal. For starters, Chase tends to offer competitive prices and lets you use points to cover a…

Can I Earn a Sign-Up Bonus With One Program From Two Banks?

Update: Some offers mentioned below are no longer available – Citi Hilton HHonors Visa Signature Card TPG reader Faraj sent me a message on Facebook to ask about co-branded credit cards: “Can I earn separate bonuses for opening credit cards with the same brand, but from different banks? For example, can I sign up for one Hilton HHonors card from…