Should I Get Chase Sapphire Preferred or Chase Freedom?

TPG reader Jeremy asked me “Do you recommend getting the Chase Freedom card over the Chase Sapphire Preferred card? I’m a recent graduate and only spend around $10,000 a year on my credit card. I like the double points on dining that the Sapphire Preferred offers, but the 5% bonus categories with the Freedom makes…

Which NYC Starwood Hotel Is Best for Award Nights?

TPG reader Kyle tweeted me to ask @thepointsguy – “What’s your favorite Starwood property in Manhattan? I’m a SPG gold member and I’d like to stay using my points.” I love Starwood, and I’ve worked hard to become a SPG Platinum 100-night member. In between apartments in New York City, I’ve had the chance to…

Do Annual Fees Count Toward Earning a Sign-up Bonus?

TPG reader Krysta tweeted me to ask @thepointsguy – “Does the $450 Amex Platinum annual fee count towards the $3,000 you need to spend within the first three months?” This is a great question that I’m asked frequently, and the answer is applicable to almost every credit card and annual fee out there. The Platinum…

Which Credit Cards Offer Bonuses for Pharmacy Purchases?

TPG reader Donald tweeted me to ask @thepointsguy – “Do any credit cards offer bonuses for pharmacy purchases?” I always advocate maximizing the points you earn on each purchase, and with healthcare costs going through the roof, it makes sense to pay close attention to which card you use on pharmacy purchases. There’s one card that…

When Should I Apply for the United MileagePlus Explorer?

TPG reader Jason tweeted me to ask @thepointsguy – “Is it worth signing up for the United MileagePlus Explorer card now?” Right now the United MileagePlus Explorer Card from Chase is offering a sign-up bonus of 30,000 miles after you spend $1,000 in the first 3 months. My advice is not to sign up for the card…

Where Can I Use the IHG Rewards Club Card Free Night?

TPG reader Blake sent me this question: “Is the annual free night benefit from the IHG Rewards Club Select Credit Card valid for any category property?” A big trend these days with credit cards is to offer anniversary bonuses. Usually these bonuses kick in after you have to start paying the annual fee, and are an easy way…

Should I Earn AAdvantage Elite Qualifying Miles or Points?

TPG reader Max had this question about earning status on American Airlines: “What’s the difference between American elite-qualifying miles versus points?” The recent merger of US Airways Dividend Miles into American Airlines AAdvantage has created a lot of changes for flyers, including how elite upgrades work. There are no more freebies for Silver, Gold and Platinum Dividend…

How Do I Survive a Ryanair Flight?

TPG reader Clayton tweeted me to ask about flying on Ryanair: @thepointsguy – “I’m thinking of flying Ryanair within Europe this summer and was wondering if it’s worth it despite all the bad things I’ve read?” 2015 is poised to be the summer of Europe. With the euro trading relatively close to the dollar and new…

Can I Transfer Amex Membership Rewards Points to Lufthansa?

TPG reader Maria had this question for me: “Can I transfer Amex Membership Rewards points to Lufthansa? They have an incredible deal with flights to Europe in business class for 55,000 miles.” Unfortunately, the answer is no. Amex points do not transfer to Lufthansa. However, you can book Lufthansa flights by transferring points to one of the three…

Will the AAdvantage Aviator Card Have a Sign-Up Bonus?

TPG reader Treavor had this question: “I got the US Airways MasterCard for the sign-up bonus, but I never fly US Airways/American – only United and Delta. Should I get rid of the card before it switches over to the Aviator Silver so that I can get a sign-up bonus for the Aviator cards when they finally have…