I've had the legacy Chase Freedom®* since 2017, and for years, it was one of those cards I had no reason to get rid of.

It had no annual fee, 5% rotating bonus categories (upon activation on up to $1,500 in spending each quarter) and, because I also have premium Chase cards, I could turn the cash back I earned into transferable Ultimate Rewards points.

But after nearly a decade, I called Chase and asked to product change my legacy Freedom to the Chase Freedom Flex® (see rates and fees).

For me, the decision came down to two changes that make the Flex substantially more useful, particularly for someone who lives abroad.

*This card is no longer available to new applicants. The information for the Chase Freedom has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Why I finally made the switch

The original Chase Freedom hasn't been available to new applicants since late 2020, when Chase introduced the Freedom Flex. Existing cardholders could continue using their legacy cards, which is what I did.

The problem for me was that the legacy Freedom charges a 3% foreign transaction fee.

I moved to Spain last year, and that essentially put the card in my sock drawer. What's the point of earning 5% back in a rotating category if I'm immediately giving 3% back to Chase because I'm using the card outside the U.S.?

That was especially frustrating because grocery stores and gas stations have been recurring Freedom bonus categories over the years. Those are exactly the kinds of purchases you might make while traveling internationally, whether you're buying groceries in Spain or filling up a rental car on a road trip through France.

The Freedom Flex changed that equation. Chase recently eliminated foreign transaction fees on the card, so it can now be used abroad without that 3% surcharge. That was enough to get my attention. (Note it lost its cellphone protection perk at the same time.)

Then Chase gave me another reason to make the switch.

This quarter, the Freedom Flex earns an elevated 7% back on dining (compared with 5% on the legacy Freedom; activation required). The $1,500 quarterly spending limit is shared across the bonus categories, so I'll prioritize dining and then use any remaining capacity for groceries (earning 5% this quarter).

If I spend $125 a week on dining, I'll reach the full $1,500 limit. If I don't quite reach that amount, I'll use the remaining portion for groceries, which I spend about $100 a week on.

And this isn't the first time we've seen Chase offer an elevated 7% rate. Dining has received the 7% treatment three times in recent years, including in the first and fourth quarters of this year. So while it's not an everyday benefit, it's something I now want to be positioned to take advantage of when it comes around.

How I made the switch from the Freedom to the Freedom Flex

The actual product change took me 10 minutes on the phone.

I called the number on the back of my legacy Freedom card and asked Chase to product change it to the Freedom Flex. There was no need to apply for a new card.

Chase reminded me that I wouldn't receive the Freedom Flex's welcome bonus because I was product-changing rather than opening a new account.

I didn't care. I'm already over Chase's 5/24 limit, so I wouldn't have been eligible to open the Freedom Flex as a new card anyway. If you're under 5/24, though, that's a very different calculation.

The Freedom Flex currently offers the chance to earn $250 cash back after spending $500 on purchases in the first three months of account opening. That's the best welcome bonus we've seen on the card in more than three years.

So if you're eligible and willing to use one of your 5/24 slots, I'd consider applying for the Freedom Flex rather than giving up your legacy Freedom.

Related: The best ways to use your Chase 5/24 slots

Who should consider switching?

My decision makes the most sense for a few specific types of legacy Freedom cardholders:

• People who frequently travel abroad. The legacy Freedom's 3% foreign transaction fee eats up more than half of its 5% earning rate. The Freedom Flex no longer charges foreign transaction fees, making those categories much more useful overseas.
• People who regularly spend in the Freedom Flex's elevated categories. The Freedom Flex has offered 7% back on select categories at various points, including dining three times in recent years. If you're able to maximize one of those categories, the extra 2 percentage points can add up. Just remember that quarterly bonus categories are limited to the first $1,500 in combined spending each quarter.
• People who can turn their cash back into transferable Ultimate Rewards points. If, like me, you have a more premium card like the Chase Sapphire Preferred® Card (see rates and fees), your Freedom Flex cash back can effectively become transferable Ultimate Rewards points, making the higher earning rates more valuable than simple cash back.
• People who are over 5/24 or otherwise wouldn't qualify for the Freedom Flex's welcome bonus. That's the situation I'm in. Product-changing lets me get the Freedom Flex's benefits without using a new card application slot.

Who should keep the legacy Freedom?

Product changing isn't automatically the right move. I'd think twice if you:

• Have a specific reason to keep a Visa card. The legacy Freedom is a Visa, while the Freedom Flex is a Mastercard, so the old card can be used at Costco. But wholesale clubs haven't been a rotating Freedom bonus category for the past three years. If Costco is the only reason you're hanging on to the card, I'd consider whether another Visa card in your wallet would be more useful.
• Are under 5/24 and want the Freedom Flex's welcome bonus. You can't get the welcome bonus by product-changing. With the current welcome bonus, applying for the Freedom Flex separately could be more valuable than converting an existing Freedom.
• Already have enough cards for your spending. There's no need to change a card that's working well for you simply because the Freedom Flex exists.
• Want to keep both cards. Chase allows you to hold the legacy Freedom and Freedom Flex at the same time, so you don't necessarily have to choose between them.

That's actually what TPG's editor-in-chief, Nick Ewen, does. He has both cards and is using them strategically this quarter: maximizing the legacy Freedom's 5% grocery bonus category while using the Freedom Flex for 7% back on dining purchases (including dining abroad; activation required).

That gives him a combined quarterly limit of $3,000 across both cards and earns him a maximum of $180 in cash back this quarter (or 18,000 points when transferred to a premium card).

For some cardholders, that may be a better strategy than product-changing.

Bottom line

For me, product-changing my legacy Freedom to the Freedom Flex was an easy decision.

I live in Spain, so the old card's 3% foreign transaction fee made its rotating categories difficult to use abroad. Now that the Freedom Flex no longer charges that fee, I can maximize those categories again.

The elevated 7% dining rate available this quarter was another push (on up to $1,500 in spending), especially since I can convert my Freedom cash back to Ultimate Rewards points through my Sapphire cards.

But I wouldn't tell every legacy Freedom cardholder to make the same switch.

If you're under 5/24, the current welcome bonus makes applying for the Freedom Flex separately worth considering. If you need a Visa card, that's also a reason to keep the legacy Freedom card (though I wouldn't keep it solely for Costco). And if you can maximize both cards' bonus categories, holding both may make more sense.

To learn more, read our full review of the Chase Freedom Flex.

Apply here: Chase Freedom Flex

Rakuten's biggest cash-back event of the year — the Big Stack Event — is back, running now through Oct. 7. And there are some pretty legit offers you don't want to accidentally miss during early holiday sales.

Right now, Rakuten is offering elevated cash-back bonuses for purchases at retailers such as PetSmart, Macy's, Gap, Nike, Sam's Club, Carter's and many more.

With Rakuten, you can also earn American Express Membership Rewards points or Bilt Points instead of cash back if you want. So, instead of getting 10% cash back, you could earn 10 Amex Membership Rewards points or Bilt points per dollar spent. This can yield a significantly higher overall value if you maximize points with Amex or Bilt travel partners.

Plus, while the Big Stack Event advertises 10% cash back, we've found some offers as high as 15% or 20%.

Those new to Rakuten can get an even better deal right now and layer on a $50 bonus on their first $50 spent at an eligible retailer. This is higher than the normal $30 referral bonus for new users.

Here's what you need to know about increased cash-back opportunities with Rakuten.

Increased cash back with Rakuten

To earn cash-back rewards or Membership Rewards points when shopping online, begin your shopping trip on the Rakuten website.

Once there, search for your desired store and click to be redirected to the retailer's website. After you make a qualifying purchase, Rakuten will track your transaction and add bonus rewards to your account, generally within a couple of days.

Here are some of the retailers offering 10%-20% cash back through Rakuten through Oct. 7 during the Big Stack Event:

Travel

• Expedia
• Hotels.com
• IHG Hotels and Resorts
• Samsonite
• Viator
• Vrbo

General shopping

• Macy's
• Land's End
• Carter's
• Crocs
• Dermstore
• DSW
• Dyson
• Hoka
• Gap
• Lego
• PetSmart
• Zappos

While Target does participate in Rakuten, it's not offering an increased Big Stack Event bonus during its Target Circle Deal Days sale, which is also running this week through Oct. 7. That said, it's still worth clicking through Rakuten before shopping the Target sale to get an additional 1% cash back on whatever deals you buy there this week.

Related: Amazon, Target and Walmart all have big October sales, but which one is the best?

The best credit cards for shopping online

Rakuten users will earn cash back and any rewards credit card earnings at the selected retailers. At most merchants participating in these promotions, you'll want to pay with a credit card that earns bonus points and miles on everyday purchases, such as:

• Blue Cash Everyday® Card from American Express: Earn 3% cash back on online purchases from U.S. retailers (on the first $6,000 spent during a calendar year, then 1% cash back until the following year). Cash back is received as Reward Dollars that can be redeemed in the form of a statement credit or at amazon.com checkout.
• Citi Double Cash® Card (see rates and fees): Earn 2% cash back on all purchases — 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Rakuten also released its first-ever credit card last year. The Rakuten American Express® Card is a no-annual-fee card that offers 4 points per dollar spent (or 4% cash back) on top of what you earn with Rakuten, 10 points per dollar spent (or 10% cash back) on Rakuten restaurant partners, 2 points per dollar spent (or 2% cash back) on groceries and restaurants, and 1 point per dollar spent (or 1% cash back) on everything else. During the Big Stack Event, cardholders earn 14 points per dollar spent (or 14% cash back) on top of Rakuten's Big Stack deals. Offer ends Oct. 7.

For additional options, see our favorite cards for online shopping.

The information for the Rakuten American Express Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Bottom line

Whether you're shopping early for the holidays or booking a last-minute trip, now is the time to take advantage of increased cash-back opportunities. To ensure you choose the right option with the best rewards for your planned purchase, compare all the different cash-back sites before you buy, as Rakuten is not always the top choice.

Related: How I use Savewise to stack shopping portals, credit card offers and cash back for bigger rewards

Remember that new Rakuten shoppers can earn a $50 cash bonus when they spend at least $50 on a qualifying purchase within the first 90 days from becoming a member.

Many eligible merchants for these promotions also participate in credit card merchant offers. So, it's smart to check whether a merchant has an offer through Amex Offers, Chase Offers, Citi Merchant Offers and American Airlines AAdvantage's SimplyMiles program before making your purchase.

Related reading:

• Your guide to maximizing shopping portals for your online purchases
• How to earn more points and maximize elite status benefits by double dipping
• How to earn an easy $50 by joining Rakuten and shopping online at thousands of retailers

Could this be the most badly needed airport lounge in America?

You could certainly make that argument about American Airlines' newest club, just announced for Charlotte Douglas International Airport (CLT).

American on Tuesday unveiled plans to build a sprawling Admirals Club inside the main atrium at CLT.

Construction is set to begin later this year.

Once complete, this outpost will be the biggest in American's network — topping even the huge new space the airline is building in Dallas.

And it will be a major boost to the carrier's lounge offerings in North Carolina.

Read more: 3 reasons why this is the best credit card for Admirals Club access

Badly-needed lounge

AA's two existing Admirals Club locations in Charlotte are dated and often overrun with guests.

That's far from ideal at CLT, which is American's second-busiest hub, trailing only its Dallas Fort Worth International Airport (DFW) home base.

Now American is working on a new that will span more than 40,000 square feet and offer a host of modern amenities, including shower suites, bars and seating areas.

"Designing a lounge that gives our customers more space to relax, work and recharge is our top priority," Heather Garboden, AA chief customer officer, said in a statement announcing the news.

News of this latest Admirals Club for American doesn't come as a huge surprise.

Last year, the carrier outlined a major lounge investment at CLT, which included a higher-tier Flagship Lounge and an expansion of the airline's Admirals Club space at the airport.

At the time, AA didn't specifically say whether that meant a completely new club, or a renovation of one of its existing Charlotte outposts.

Now, we know: it's getting an all-new Admirals Club — one that will be larger than any of its lounges today.

American's new Admirals Club location

This new Admirals Club will be centrally located for passengers passing through CLT, located up on the mezzanine level of the large atrium passengers enter right after passing through security.

It should be easily reachable from CLT's A, B and C concourses — and a modest walk from the D concourse.

The club will be a bit of a hike from the airport's E-gates, where AA's many regional flights leave from.

American's CLT lounge footprint grows

American did not share an estimated opening date for the new facility. Its two existing CLT Admirals Clubs will remain open during construction.

Beyond this new Admirals Club and American's Flagship Lounge planned for Charlotte, the carrier has also opened a new permanent grab-and-go outpost called Provisions by Admirals Club.

That smaller space is located on the airport's A concourse.

Bottom line

Charlotte is set to see a ton of new airport lounges open in the coming years.

On top of American's three new facilities, the hub is set to get a Capital One Lounge and a second American Express outpost. Plus, Delta Air Lines opened a beautiful new Sky Club less than two years ago.

Related reading:

• The best credit cards for airport lounge access
• The ultimate guide to American Airlines Admirals Club access
• The best credit cards to reach elite status
• Way more than cheese cubes: American upgrades its lounge food
• 3 reasons why this is the best card for Admirals Club lounge access
• Best credit cards for American Airlines flyers

The IHG One Rewards Credit Card (see rates and fees) is IHG's no-annual-fee card option. With this card, you can earn bonus points on purchases at IHG One Rewards properties and in common spending categories. Plus, cardholders get automatic IHG Silver Elite status and an annual elite status boost.

But while the no-annual-fee IHG card offers some useful perks, it may not be the best choice. If your primary focus in applying for the card is benefits on IHG stays, one of the cobranded IHG credit cards with an annual fee may provide more value.

So, let's take a closer look at the no-annual-fee IHG card to help you decide if it's right for you. Card Rating*: ⭐⭐½

*Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

IHG One Rewards Card: The basics

As a no-annual-fee card, the IHG One Rewards Credit Card doesn't offer many benefits. However, it does earn IHG points on purchases, including bonus points on purchases at IHG properties, restaurants, gas stations and grocery stores. And cardholders get complimentary IHG Silver Elite status plus five Elite Night Credits per year.

Starting in 2027, cardholders will need to spend $5,000 in a calendar year to unlock access to the fourth reward night free benefit (through the end of the following calendar year). In contrast, this benefit is automatically offered to those who hold an IHG card with an annual fee.

IHG One Rewards Card pros and cons

IHG One Rewards Card benefits

The IHG One Rewards Credit Card doesn't offer many perks. But here's a quick overview of the card's main benefits.

Automatic Silver Elite status

Travelers with the no-annual-fee IHG card enjoy automatic Silver Elite status in the IHG One Rewards program. Silver Elite is a low-level status tier, so its primary perk is 20% bonus earnings on top of base points for every stay.

Elite status boost

You'll get five Elite Night Credits within six to eight weeks of opening your no-annual-fee IHG card. In subsequent years, IHG cardholders will receive Elite Night Credits in their accounts by Feb. 1.

Elite Night Credits are useful for earning higher tiers of IHG elite status and IHG Milestone Rewards.

Fourth night free

With the IHG fourth-reward-night-free benefit, each fourth night costs zero points when you redeem IHG points for standard room stays of four nights or longer.

However, starting in 2027, you'll need to spend at least $5,000 in a calendar year to qualify for the fourth reward night free benefit. If you do so, you'll get access to book fourth-reward-night-free stays (for the rest of the calendar year in which you qualified and the next calendar year).

If you're eligible for the fourth reward night free benefit, IHG will automatically apply it when you book award stays of four nights or longer using your account. (Note that points and cash stays aren't eligible for the fourth reward night free benefit.)

Spend to earn Gold Elite status and bonus points

If you spend $15,000 in purchases with your no-annual-fee IHG card within a calendar year, you'll earn 10,000 bonus points and earn Gold Elite status through the end of the following calendar year.

Based on TPG's October 2026 valuations, 10,000 points are worth $60. Meanwhile, Gold Elite status offers some additional perks over Silver Elite status, including a 40% bonus on base points for every stay and complimentary Hertz Five Star status.

Point purchase discount

You'll get at least a 30% discount whenever you buy IHG points with your card. Know, though, that you can't combine this discount with other promotions, such as when IHG points are on sale. Keep in mind, too, that IHG sometimes offers a much better 100% bonus when you purchase points.

I often buy IHG points when the 100% bonus drops the purchase price to 0.5 cents per point, so I don't find a 30% discount appealing.

Instacart and DoorDash benefits

You can get three months of complimentary Instacart+ membership (when you activate your membership for the first time with your card by Dec. 31, 2027). Plus, you can get $10 in Instacart credits each month (while you have an active Instacart+ membership).

You can also get 12 months of complimentary DashPass (when you activate your membership for the first time with your card by Dec. 31, 2027). You'll also get a monthly $10 off discount at checkout on one qualifying non-restaurant order on DoorDash (once you activate your membership for the first time with your card, as long as you remain enrolled in a DashPass membership).

Other benefits

• No foreign transaction fees
• Purchase protection that covers new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account
• Trip cancellation and interruption insurance that may reimburse you up to $5,000 per covered traveler and $10,000 per trip for prepaid, nonrefundable travel expenses if your trip is canceled or cut short by covered situations

How to earn and use your rewards

You'll earn IHG points on purchases with the IHG One Rewards Credit Card. Here's what you should know about earning and redeeming these points.

Earning points on the IHG One Rewards Card

When you use the no-annual-fee IHG card to make purchases, you'll earn:

• 5 points per dollar spent at hotels participating in IHG One Rewards
• 3 points per dollar spent on purchases at gas stations, grocery stores and restaurants (including takeout and eligible delivery services)
• 3 points per dollar spent on utilities, internet, cable and phone services, and select streaming services (through Dec. 31, 2026, then 2 points per dollar spent)
• 2 points per dollar spent on all other purchases

Keep in mind that you'll earn up to 17 points per dollar spent at hotels participating in IHG One Rewards once you account for the up to 12 points per dollar spent you earn as a Silver Elite member.

Redeeming IHG points

The best-value way to redeem IHG points is for stays. IHG uses dynamic award pricing, so the award cost for a particular night will vary depending on the hotel you want to book, when you want to stay and when you make your reservation.

Our valuations peg IHG points at 0.6 cents per point, so this is the minimum redemption value you should strive for when redeeming IHG points.

However, I've recently redeemed IHG points for several stays and gotten a higher redemption rate. For example, I recently got 1.05 cents per IHG point when booking a stay in Amsterdam, The Netherlands.

You can also book premium room types for more points at some properties.

And you can book points and cash rates, which can be a good option if you don't have enough points to book purely with points. The cash part of points and cash rates is effectively used to buy the necessary points, though.

If you have access to the fourth reward night free perk — or plan to spend enough on your card in 2027 and beyond to gain access to this perk — you'll usually get more value when you save your points for award stays of four nights or longer.

Related: How to maximize award redemptions with the IHG One Rewards program

Downsides to consider about the IHG One Rewards Card

The IHG One Rewards Credit Card has no annual fee, but there is an opportunity cost in adding it to your wallet. Specifically, getting this card means you likely won't get an IHG credit card with an annual fee that offers more perks.

The IHG cards with annual fees all offer anniversary free nights, access to the fourth-night-free benefit (without a spending requirement), more Elite Night Credits, quarterly food and beverage vouchers, and higher earning rates at IHG properties.

Therefore, it may be worth considering whether another IHG One Rewards card offers more value.

IHG One Rewards Card vs. IHG One Rewards Premier Card

The IHG One Rewards Premier Credit Card (see rates and fees) is worth considering if you're looking at the no-annual-fee IHG card.

The Premier offers an anniversary free night valid for a night costing up to 50,000 points (and you can top off the certificate for a more expensive night with points from your account).

If you'd redeem your anniversary free night each year for a night that would have otherwise cost you more than $150 (the annual fee of the IHG Premier), the certificate alone could offset the annual fee on the IHG Premier. I have the IHG Premier and believe it's definitely worth its annual fee.

With the Premier, you'll also receive perks like Gold Elite status and up to $25 in quarterly food and beverage rewards to use at IHG hotels.

Is the IHG One Rewards Card worth it?

The no-annual-fee IHG card can be worth having if you want to earn IHG points on credit card purchases but don't want to pay an annual fee.

However, know that you can get more benefits with the IHG credit cards that have annual fees, such as the $150-annual-fee IHG One Rewards Premier and the $350-annual-fee IHG One Rewards Premier Select Credit Card (see rates and fees).

When to apply for the IHG One Rewards Card

The IHG One Rewards Credit Card currently has a welcome offer of 125,000 bonus points after spending $2,000 on purchases in the first three months from account opening. Offer ends Nov. 18.

Based on our valuations, these bonus points are worth $750.

We recommend applying for this card when the offer is over 80,000 points, as the current one is attractive.

Plus, you can earn 10,000 bonus points after you add an authorized user to your account in the first three months from account opening.

However, you won't be eligible for the no-annual-fee IHG card if you currently have any personal IHG card or received a new cardholder bonus on any personal IHG card within the last 24 months. Likewise, be sure to consider the Chase 5/24 rule before applying.

Other cards to consider if you don't want the IHG One Rewards Card

If the IHG One Rewards Credit Card isn't right for you, you may want to consider one of the following cards:

• If you want more IHG perks: The top-tier IHG One Rewards Premier Select has a $350 annual fee and provides automatic Platinum Elite status, a free night award each account anniversary, quarterly food and beverage reward vouchers, unlimited access to the fourth-reward-night-free perk and more Elite Night Credits each year. To learn more, read our full review of the IHG Premier Select.
• If you prefer more flexible rewards: The no-annual-fee Citi Strata℠ Card (see rates and fees) earns Citi ThankYou points that you can transfer to many airline and hotel programs. To learn more, read our full review of the Citi Strata Card.
• If you prefer cash-back rewards: The no-annual-fee Citi Double Cash® Card (see rates and fees) provides straightforward earning at a rate of at least 2% cash back (1% when you buy and another 1% as you pay for your purchases). To learn more, read our full review of the Citi Double Cash Card.

For additional options, check out our full list of no-annual-fee hotel credit cards.

Bottom line

The IHG One Rewards Credit Card can be a good fit for occasional IHG guests who want to earn points and enjoy basic elite perks without paying an annual fee.

Whether it deserves a place in your wallet depends on how often you stay with IHG and how much value you get from its benefits compared with other rewards cards.

If you can use an anniversary free night each year, consider the IHG Premier instead, since that perk alone could offset its annual fee.

Apply here: IHG One Rewards Credit Card

Act now if you want to score $50 just by joining one of TPG's favorite online shopping portals.

Rakuten extended its best-ever offer for new members yet again: If you join Rakuten through a referral link by Dec. 31 and spend at least $50 at eligible retailers within 90 days of becoming a member, both you and your referrer will receive a one-time bonus of $50.

Even better, you can stack Rakuten rewards at Target with Target Circle Deal Days, a two-day sale from Oct. 6 to 7.

Read more: How to earn bonus cash back or Amex points on your online shopping purchases with Rakuten

Overview of Rakuten

Rakuten is an online shopping portal that partners with hundreds of online retailers, from household brands like Target and Nike to smaller merchants like Gorjana.

By starting your purchase at Rakuten and clicking through to the merchant from there, you'll take home cash back or valuable transferable points on every eligible purchase you make — in addition to the earnings on the rewards credit card you use to pay.

You can even download the Rakuten plug-in to make things easier. Once this is installed, you can go directly to the merchant's site, and the browser extension will notify you if there's cash back available.

You may wonder how all of this is possible. Rakuten makes marketing agreements with individual retailers, which pay the site commissions on purchases that begin there. Rakuten then passes a portion of those commissions on to the customer. The retailer gets additional business, and you and Rakuten enjoy a cut of those purchases — a win-win for all parties.

To join as a new member with that $50 bonus up for grabs, visit this link and complete the online prompts by Dec. 31.

If you are already a member and want to refer a friend, simply log in to your Rakuten account and click the "Refer & Earn" button in the top row. You can choose to send your friend an email or share your referral link by another route, though note that the $50 referral bonus may not be available for all accounts.

How to make the most of Rakuten

While Rakuten is advertised as a cash-back portal, you can take your rewards to the next level by switching your earning preference to American Express Membership Rewards points or Bilt Points.

Since our October 2026 valuations peg Amex points at 2 cents apiece (thanks to the array of transfer partners and valuable redemption options), this option could offer a higher return on your online purchases than simple cash back. Bilt points are valued even higher at 2.2 cents each.

However, the bonus for new members who join via a referral link is usually only available as cash back. You can link your Bilt or Amex Membership Rewards account after joining, but the one-time bonus will be paid in cash (after qualifying purchases).

That said, if a friend or family member joins through your referral link (and completes the spending requirements) after you switch your earning preference to Amex or Bilt points, you'll earn bonus points instead of cash back based on whatever referral offer is available at the time.

Note that going through Rakuten for your online purchases may mean sacrificing higher rewards that you would earn through something like an airline shopping portal — especially if there are any bonus offers through those sites. It's always a good idea to compare earning rates using a shopping portal aggregator.

Related: How I earned almost 30,000 Amex Membership Rewards points with help from Rakuten

Which credit card should I use?

If you're making purchases online, pay close attention to any potential bonus categories. Your best bet may be to use a card that offers solid value for everyday purchases, such as:

• Capital One Venture Rewards Credit Card, Capital One Venture X Rewards Credit Card: Earn 2 Capital One miles per dollar spent on all purchases.
• Citi Double Cash® Card (see rates and fees): Earn 2% cash back on all purchases (1% when you buy and 1% when you pay your bill), with the option to combine your rewards with Citi ThankYou Rewards points-earning cards for even more value.
• The Blue Business® Plus Credit Card from American Express: Earn 2 Membership Rewards points per dollar spent on eligible business purchases (on the first $50,000 in purchases each calendar year, then 1 point per dollar).
• Chase Freedom Unlimited® (see rates and fees): Earn a minimum of 1.5% cash back on all purchases, which can be transferred to a Chase Ultimate Rewards points-earning card.

Remember that any cash back or Amex points you'd take home through Rakuten come in addition to the earnings on your card. You may even be able to stack an Amex Offer or Chase Offer at select merchants, so be sure to check those first to avoid leaving money on the table.

For example, holders of the Chase Sapphire Reserve® (see rates and fees) receive up to $300 each year in statement credits for StubHub purchases (up to $150 from January to June and another $150 from July to December; one-time activation required). And StubHub is currently offering 2% cash back (or 2 points per dollar) through Rakuten.

As a result, you can start your StubHub purchase at Rakuten to earn extra rewards and use your second credit of 2026 (if you haven't already) by paying with your Sapphire Reserve.

Related: Earn Membership Rewards points with Rakuten's first-ever credit card

Bottom line

Using an online shopping portal like Rakuten can help amplify rewards on your online purchases, and with a best-ever bonus for new members, now's the perfect time to sign up for Rakuten (or refer your friends and family members). However, this elevated offer won't last forever, so don't miss out — join Rakuten today.

Related reading:

• How I use Savewise to stack shopping portals, credit card offers and cash back for bigger rewards
• The best current credit card welcome offers
• Airline and hotel dining rewards programs: Which is best for you?
• Bust that travel myth: How to actually save money on your trip

Wyndham Rewards offers a four-tier award chart, with award nights costing 5,000, 15,000, 30,000 or 45,000 points per night. This award chart means you can get a lot of value from Wyndham Rewards points, especially on peak travel dates.

For example, I got 3.48 cents per point earlier this year when I redeemed Wyndham points for a stay in Adelaide, Australia, during a major Australian Football League event. So, while TPG's October 2026 valuations have Wyndham Rewards at 0.55 cents per point, it's certainly possible to get significantly more value when paid rates are high.

Even if you don't stay with Wyndham properties frequently, it's worth knowing how to earn Wyndham points for when you discover an award stay you want to book. Many Wyndham Rewards earning options vary by country; this guide focuses on options available to U.S.-based members.

Earn Wyndham points on hotel stays

You'll earn 10 points per dollar spent or 1,000 points — whichever is more — on qualifying stays at most Wyndham Hotels & Resorts and participating vacation club resorts. For qualified stays in a furnished suite at WaterWalk Extended Stay by Wyndham hotels, you'll earn 5 points per dollar.

Usually, you'll earn points on the room rate you pay, but at Dolce Hotels and Resorts, Wyndham Grand, Wyndham (including Viva Wyndham properties) and Wyndham Garden properties, you'll earn points on your total charges. For a stay to earn points, your eligible room rate (plus charges for select brands) must total at least $25.

You can earn points on up to three rooms or condos per night. And when you book Points + Cash stays, you can earn points on the cash part of your redemption. For stays at participating destinations and participating Caesars Rewards properties, you must include your Wyndham member number when booking to earn points on your stay.

You'll only earn Wyndham points on qualifying stays. Specifically, you can earn points when you book through Wyndham's call centers, websites, mobile app or at a hotel. You usually won't earn points if you book through a third-party website, and you won't earn points at:

• Wyndham Concorde Resort Isla Margarita
• Echo Suites Extended Stay by Wyndham hotels
• Travelodge properties outside the U.S., Canada and Mexico

However, you can also occasionally earn more through bonus points promotions. For example, earlier this year, I earned 24,500 points from $180 in Wyndham hotel stays.

And, when you first join the Wyndham Rewards program, you can earn points on qualified stays at participating hotels that occurred within the 30 days before you became a member, as long as the information you provide while enrolling matches the information in each stay's reservation.

Elite status and Wyndham Rewards Insider bonuses

Wyndham Rewards has four membership levels. At enrollment, you'll be an entry-level Blue member, but you'll earn Gold elite status after five qualifying nights, Platinum after 15 nights and Diamond after 40 nights.

Wyndham Rewards elite members get bonus points on qualifying stays, excluding Points + Cash stays, as follows:

• Gold members: 10% of base points (11 points per dollar in total on most qualifying stays)
• Platinum members: 15% of base points (11.5 points per dollar in total on most qualifying stays)
• Diamond members: 20% of base points (12 points per dollar in total on most qualifying stays)

However, elite members with a Wyndham Rewards Insider membership get bonus points on qualifying stays, excluding Points + Cash stays, at elevated rates instead of the aforementioned rates:

• Gold members with an Insider membership: 15% of base points (11.5 points per dollar in total on most qualifying stays)
• Platinum members with an Insider membership: 23% of base points (12.3 points per dollar in total on most qualifying stays)
• Diamond members with an Insider membership: 30% of base points (13 points per dollar in total on most qualifying stays)

Wyndham adds these bonus points to your base points before calculating the 1,000-point minimum per stay. So, Wyndham will only round your points up to 1,000 points per stay if your base points plus your bonus points are less than 1,000.

Earn Wyndham points with credit and debit cards

Wyndham and Barclays offer several Wyndham Rewards credit cards, plus Wyndham also has a debit card. Here's a quick comparison of the welcome offers, earning rates, annual points bonuses and annual fees on some of the cards currently available to new applicants.

The information for the Wyndham Rewards Earner, Earner Plus, Earner Premier, Earner Business and Debit cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

In addition to letting you earn Wyndham points, some of these cards also give you useful benefits related to the Wyndham Rewards program, such as discounts on award stays and complimentary elite status.

Related: On the hamster wheel of chasing hotel elite status? Buy it instead

Transfer rewards to Wyndham Rewards

You can transfer several travel currencies to Wyndham Rewards:

• Bilt: 1:1 transfer ratio
• Caesars Rewards: 1:1 transfer ratio (capped at 30,000 points per calendar year)
• Capital One miles: 1:1 transfer ratio
• Chase Ultimate Rewards: 1:1 transfer ratio
• Citi ThankYou Rewards: 1:1 transfer ratio for premium cards and 1:0.7 transfer ratio for no-annual-fee cards
• HSBC Rewards: 1:1 transfer ratio
• Wells Fargo Rewards: 1:2 transfer ratio

The 1:2 transfer ratio for Wells Fargo Rewards makes it a particularly compelling option if you need to earn Wyndham points and want to do so by transferring rewards. However, since TPG's October 2026 valuations list Wyndham points at 0.55 cents, you might find that Wyndham Rewards isn't the most valuable option for your transferable rewards.

Related: How (and why) you should earn transferable credit card points and miles

Earn with the Wyndham Business program

The Wyndham Business program lets businesses earn points on qualifying room, group and event spending.

Companies can earn 1 point per dollar spent on business-qualified stays when travelers use your company's corporate code. These points are in addition to the points the individual traveler will still earn as usual.

Earn points on groups, meetings and events

You can earn 1 point per dollar when you plan and host a group, meeting or event at a participating Wyndham property. Specifically, you can earn points on:

• Guest sleeping rooms, but only when 10 or more rooms are booked on at least one night of your event
• Event space cost
• Event food-and-beverage charges

Not all Wyndham properties participate in the Groups, Meetings and Events program, and some Wyndham Rewards properties offer different bonuses to event planners. So, look closely at how you'll earn before signing an event contract.

Earn via Dine Out with Wyndham Rewards

You can earn points when you dine at or get takeout from select restaurants through the Dine Out with Wyndham Rewards program.

Like many dining rewards programs, Dine Out with Wyndham Rewards is a Rewards Network program, so you'll need to link one or more of your favorite dining credit cards to the program. Then, when you use your linked card to pay at a participating restaurant, you'll earn 5 points per dollar spent if you opt in to receive email updates and 1 point per dollar if you opt out.

Related: A New York City foodie's secret to saving on restaurants? Blackbird's dining loyalty program

Earn points on Wyndam travel bundles

When booking through the Wyndham Travel Bundle website, Wyndham Rewards members earn 1 point per dollar spent on base airfare, cruise fare, car rentals and certain ground transportation transfers and 10 points per dollar spent on activities. Wyndham Rewards Insider members earn double these rates.

Take surveys to earn Wyndham points

You can earn Wyndham points when you take surveys through Opinion Rewards Panel and e-Rewards. Both programs offer 500 Wyndham points after you complete your first survey within 90 days of enrolling. Subsequent Opinion Rewards Panel surveys earn Wyndham points, while e-Rewards surveys earn e-Rewards points you can redeem for Wyndham points or other rewards.

Earn Wyndham points on rental cars

When you book an Alamo, Enterprise or National rental car through the Wyndham Rewards link, you'll earn 2 Wyndham points per dollar spent on base rental rates if you provide your Wyndham number at booking or the time of rental. You won't earn any points for taxes, government fees, vehicle registration fees, fuel and/or optional add-ons.

Wyndham members can also earn 100 points per rental day on qualifying Avis and Budget rentals at participating locations.

However, you usually won't earn rewards through the rental car loyalty program when you earn Wyndham points on your rental.

Earn Wyndham points on Ticketmaster purchases

When you connect your Wyndham Rewards account with your Ticketmaster account, you'll earn 1 Wyndham point per dollar spent on base ticket prices (excluding taxes, fees and service charges) that you purchase on ticketmaster.com (excluding resale tickets, gift cards and ticket insurance). Plus, Wyndham Rewards Insider members earn 2 Wyndham points per dollar spent instead of the standard 1 point per dollar.

Wyndham Rewards Insider members can earn up to 50,000 points on eligible ticket purchases per calendar year, and other Wyndham Rewards members can earn up to 25,000 points per calendar year.

Buy Wyndham points

Finally, you can also buy Wyndham points in increments of 1,000, up to 100,000 points per calendar year.

Wyndham Rewards points cost $13 per 1,000 points, which equals 1.3 cents per point. TPG's October 2026 valuations peg the value of Wyndham points at 0.55 cents each. So, buying points usually won't make sense unless you have a specific high-value redemption in mind or Wyndham is offering points at a significantly discounted rate.

Bottom line

Wyndham Rewards points are relatively easy to earn, whether through hotel stays, credit cards, transferable rewards or partners. And with award nights starting at just 5,000 points before discounts, building even a modest balance can put a useful redemption within reach.

Alaska is a cruise destination with a limited season. Cruise ships arrive in southeast Alaska in spring, stay the summer and linger only into early fall. The 49th state's snowy, cold and dark winters are not conducive to cruising.

Most cruise passengers will head to Alaska between Memorial Day in late May and Labor Day in early September, when temperatures range from slightly chilly to warm during the long daylight hours. Tourist attractions are in full swing, salmon swim upriver and bears (and humans) can catch fish.

Some adventurous cruisers will board Alaska cruise ships in April to see the remnants of winter. A few big ships cruise into mid-October for those who want a peek at what life is like in Alaskan towns when all other tourists have returned home.

For most travelers, May and September are the best months to cruise Alaska because they offer lower fares, plenty of wildlife and mostly good weather

For instance, a seven-night sailing in May with Princess Cruises starts from $584 per person for an inside cabin. The same cruise in July starts from $674 per person — 13% more. There are often 40% fewer ships in port per day during shoulder seasons, which also means less competition for cabins, restaurant tables and shore excursions.

However, the ideal month depends on whether your priority is wildlife viewing, warm temperatures, northern lights, glacier views or low fares.

Each month has its advantages, not the least of which is discounted pricing in the spring and fall shoulder seasons. Here is a guide to help you decide when to cruise in Alaska.

Best month to cruise Alaska

The best month depends on what you want out of your trip.

• Best overall: May and September have fewer crowds, lower fares and plenty of wildlife.
• Best for weather: June has longer days, milder temperatures and less rainfall than July and August.
• Best for wildlife: July to September offer salmon runs, which draw bears and other wildlife; whales also bubble-net feed during this period.
• Best for glaciers: Increased snow melt in May and June increases glacier activity during these months.
• Best for price: Sailings are often 10 to 20% cheaper in April, May, September and October than they are in peak summer.
• Best for northern lights: Late August to October offer views of the northern lights on land extensions to Fairbanks.
• Best for fewer crowds: April and October are less popular times to visit, so you can enjoy a calmer atmosphere.

April

After a long winter, Alaskan wildlife begins to wake up in April. Small-ship cruise lines such as National Geographic-Lindblad Expeditions and UnCruise Adventures offer sailings into the wilderness, where you might spot bears emerging from their slumber and admire huge waterfalls fed by snowmelt.

A few big ships, such as Norwegian Cruise Line's 4,000-passenger Norwegian Bliss out of Seattle, begin their season this month with discounted early-season pricing.

April is also one of the quietest times to visit Alaska's cruise ports. Many ports see only a fraction of the ships that arrive in July and August, making popular attractions like the Mendenhall Glacier much less crowded.

You may encounter freezing rain or even snow during your April cruise, and you should expect to trudge through the mud. Some tourist facilities — including those at national parks — may still be shuttered for the winter.

On the other hand, you will have the opportunity to observe the change of seasons. Expect crisp mornings with temperatures in the 30s; by the end of the month, you may find dry weather and temperatures in the 60s. As an added bonus, the skies will be dark at night, and if they are clear, you might spot the northern lights.

Related: The best Alaska cruises for every type of traveler

May

As someone who has cruised Alaska many times, I love cruising in May when the weather is dry. Locals start emerging from their winter cocoons and embracing the sunshine, and the wildlife does the same. You might spot bears with their cubs, moose with their calves and humpback whales returning from their winter home in Hawaii.

Big-ship cruise lines such as Holland America Line, Princess Cruises and Royal Caribbean ramp up their operations in May, as do Disney Cruise Line and small-ship and luxury lines. Early-season deals might be available.

Attractions and shops will switch to peak-season hours at the end of the month; Denali National Park and Preserve will switch into summer mode in May. You'll find those who work in tourism excited to be back in business, considering many people in southeast Alaska earn their income from out-of-state visitors. Cruise lines will offer the opportunity to extend cruises with land tours, which include accommodations, transportation and some meals.

While early May often carries a chill in the air, you might encounter temperatures in the 60s by the end of the month. The warmer weather means glaciers begin shedding ice more frequently, so you have a better chance of experiencing the sight and sound of a house-size chunk of ice calving into the sea. Another bonus is that Alaska's large mosquito population has yet to emerge.

Related: Alaska cruise guide: Best itineraries, planning tips and things to do

June

The cruise season beefs up in June, and the season is in full swing by the end of the month. The midnight sun means many hours of daylight, especially June 20 and 21 — the longest days of the year. You'll have to stay up late to see any darkness at all.

Early in June, the ships still mostly carry adults, with the family crowds (including multigenerational groups) arriving later in the month.

Shore excursion experiences abound. Temperatures are pleasant, in the 60s and sometimes higher. Wildflowers are in bloom, and glaciers are calving. Anglers will find opportunities to reel in halibut, king and sockeye salmon, and rainbow trout. In addition to humpbacks, you might also spot belugas and seals with their pups as you sail.

At the beginning of the month, you might still be able to find some early-season pricing; the peak season for Alaska cruising begins in late June.

Related: Alaska cruise packing list: What to pack for a sailing up north

July and August

Summer is the height of the Alaska cruise season, which means crowds in port towns, especially when several ships are in port at the same time. You might have to wait hours for a table at popular Tracy's King Crab Shack in Juneau.

It might surprise many, but July and especially August are rainy, so don't expect endless sunshine. That said, you are in Alaska at a time for festivals and other special events, and frontier towns really come alive.

Temperatures will be in the 60s, sometimes higher — you might even see an 80-degree day in Juneau in July. During long days of light, you'll find some Alaskans swimming in the sea and enjoying water sports. Shore excursion options will be in full swing.

During both months, you will encounter peak-season pricing. Unless you booked early, cabin choice can be limited, especially if you are looking for a fancy suite or a cheap inside cabin; those tend to be the first categories to sell out. Balcony cabins are particularly popular in Alaska.

Mosquitoes enjoy the summer, too, so pack bug spray. Spawning season for salmon is also in July and August, so you might spot grizzlies and brown bears near rivers and streams.

Keep an eye out for seabirds and songbirds, seals, Steller sea lions and humpback whales. Marine life is so prolific that some small-boat shore excursions guarantee you will see animals. Bears will be fishing; in late August, they will be looking for blueberries, which also become a featured item on restaurant menus. Toward the end of August, you'll see leaves changing to fall colors.

Related: Best Alaska cruise shore excursions — from heli-hiking to whale watching

September

The beginning of September is much like August. However, after the kids go back to school and the family crowd departs, it's shoulder season for cruising. In other words, prices drop.

In many ports, the number of daily ships is also on the decline, making whale-watching tours, restaurants and major attractions less busy. Most cruise ships will have repositioned out of the state by the end of the month. You will experience a change of season, with cooler temperatures (in the 50s or lower) and some rain.

Mid-to-late September is one of the best times to spot wildlife in Alaska. I have had extraordinary experiences. Once, I watched a pod of humpback whales gather together in bubble-net feeding (corralling fish in a "net" of bubbles) to fill their bellies in preparation for their annual journey to warmer waters. Bears will be hunting for the last of the berries and salmon, and caribou, deer and moose will be mating.

You'll see colorful fall foliage but not mosquitoes. National park facilities and some tourist businesses will switch to winter hours. September is also a great time to get deals on souvenirs, as merchants sell off this year's goods at the end of Alaska's tourist season.

On clear nights, you have a chance of spotting the northern lights, though they won't shine as brightly as they do in winter. Rather than stay up all night, see if your ship or (or precruise hotel) has a sign-up sheet for people who want a wake-up call should the lights appear.

Related: The best places to cruise in the fall, whether you want to wear a sweater or a swimsuit

October

A limited number of cruises in October (predominantly on Norwegian Cruise Line) allow cruisers to experience a taste of Alaska in winter without subzero temperatures. You will want to bundle up; the average temperature in Juneau in October is 39 degrees. Days will be short — there are only about 10 hours of daylight. You are likely to experience rain and maybe snow.

Some attractions and shops will be closed for winter, though your cruise line will still operate a full roster of shore excursions. On the plus side, you will experience southeast Alaska towns as they are most of the year, sans tourist crowds. Sit in a bar and talk to the locals as they prepare for the long winter ahead. Cruise fares will be discounted.

Related: Caribbean vs. Alaska cruises: Which itinerary will I like more?

When is the best time to see the northern lights in Alaska?

If one of your primary objectives during your Alaska sailing is to get a glimpse of the northern lights, consider a sailing in late August, September or October. The lights are typically strong in Alaska from late August to mid-April.

Your best bet for a sighting will be in Fairbanks, as it's situated under the "aurora oval" — an area known for a high frequency of northern lights displays. Fairbanks is a popular stop on cruisetours, itineraries that combine time sailing with overnight stays on land. For example, Holland America's nine-night Denali itinerary begins with an overnight stay in Fairbanks in early September.

Denali National Park and Anchorage can offer a glimpse of the northern lights, though not as frequently as Fairbanks, since they are farther south. Both destinations are popular cruisetour stops. If you're cruising into or out of Seward or Whittier, you'll fly through Anchorage on one end of your trip. Consider an extra night or two there if you want to try and catch the aurora.

It's incredibly rare to see the northern lights from aboard your ship in the Inside Passage.

Related: Northern lights cruises: A guide to chasing the aurora borealis at sea

What is the cheapest month for an Alaska cruise?

April, May, September and October are good months for an Alaska cruise if you're hoping to score a deal — often 10–20% cheaper than peak summer. Shoulder season also sees fewer crowds, with up to 40% fewer ships in port each day.

What is the rainiest month for an Alaska cruise?

August is one of the wettest months for an Alaska cruise, particularly in the Inside Passage and towns like Juneau, Sitka and Ketchikan.

What is the busiest month for an Alaska cruise?

July and August are Alaska's busiest cruise months. Expect fuller ships, busier ports and higher prices, but also the widest choice of sailings and shore excursions.

What month has the calmest seas on an Alaska cruise?

While Inside Passage itineraries are relatively protected, many travelers find that late spring and early summer offer calmer waters than fall sailings.

Can I still find Alaska cruise deals in July?

Yes, but they are less common. The best prices are usually in April, May, September and October.

What is the best month to cruise Alaska for the first time?

May and June are often ideal for first-time visitors to Alaska with long daylight hours, relatively dry weather, plenty of wildlife and moderate crowds.

Bottom line

What is the best month for an Alaska cruise? Alaska is a thrilling cruise destination no matter which month you sail. However, some months might be better for you, depending on your interests.

If you are a bargain seeker, look to the early and late sailings of the season. Choose a May or June sailing for drier weather and fewer mosquitoes. Summer is the best time to cruise to see abundant marine life and birds, and September can be a great month to see wildlife.

Planning an Alaska cruise? Start with these stories:

• Everything you need to know about booking a trip to Alaska on points
• Stop! Before you book that Alaska cruise, make sure you've done this 1 thing
• Best Alaska cruise tips to help you make the most of your time aboard and ashore
• 6 best Alaska cruises for families
• The best Alaska cruises for couples
• I took a $900 dog sledding and helicopter excursion on my Alaska cruise. Was it worth it?
• What to pack for a cruise
• 20 must-have cruise items — including a roll of duct tape
• The 5 most desirable cabin locations on any cruise ship
• The 8 worst cabin locations on any cruise ship

They say when it rains, it pours — even in the Arizona desert.

Flagstaff Pulliam Airport (FLG) in Arizona will gain not one but two new airlines and nonstop routes next summer.

United Airlines unveiled plans over the weekend for new twice-daily flights from Denver International Airport (DEN) to FLG, beginning Aug. 10, 2027.

The Star Alliance carrier's news came less than 48 hours after Delta Air Lines unveiled its own new service to FLG with twice-daily nonstops from Salt Lake City International Airport beginning June 7, 2027.

Both Delta and United will fly a Bombardier CRJ-550 to FLG with 10 first-class seats, 20 extra-legroom economy seats and 20 economy seats.

FLG is a little over two hours north of Phoenix and close to some of the state's best-known attractions, including Grand Canyon National Park and Sedona. The city is also home to Northern Arizona University.

The additions will bring new competition to an airport where American Airlines has long been the dominant carrier. American has served FLG from its Phoenix Sky Harbor International Airport (PHX) hub for decades and, since 2018, from Dallas-Fort Worth International Airport (DFW).

United operated the DEN-FLG route from 2019 through 2022, schedule data from the aviation analytics provider Cirium show.

FLG recently received an $800,000 federal grant to incentivize airlines to add new flights to either DEN or SLC.

The Capital One Venture Rewards Credit Card is a solid option for travel enthusiasts to earn Capital One miles for a modest $95 annual fee.

However, if you want to be approved for this card, you'll want to be sure you're eligible first. This is especially true if you already have other Capital One cards in your wallet.

Are you eligible to apply for the Capital One Venture?

There are multiple factors to consider if you're hoping to be approved for the Venture Rewards and receive its bonus, including eligibility rules across the Venture lineup.

Capital One application rules

Capital One generally won't approve more than one card application within six months. So, if you've been approved for any Capital One card within the last six months, it's best to wait if you want to be approved for the Venture Rewards.

What if I received a Venture Rewards card welcome bonus in the past?

If you've previously received the Venture Rewards card's welcome bonus, you have to wait 48 months from when you received the bonus to apply and receive the bonus again.

What if I already have the Venture X or VentureOne cards?

Capital One's Venture family rule applies the 48-month rule when you move "down" within the Venture suite, in terms of annual fees.

So, if you've earned the bonus on the Capital One Venture X Rewards Credit Card ($395 annual fee) in the last 48 months, you aren't eligible for the Venture Rewards card or its bonus.

However, if you've earned the bonus on the no-annual-fee Capital One VentureOne Rewards Credit Card, you are still eligible to be approved for the Venture Rewards and its bonus — since you're going "up the ladder" in terms of annual fees.

Here's what the card's terms have to say about this:

"You are not eligible for this bonus if you have received a new cardmember bonus for the Capital One Venture card or the Capital One Venture X card in the past 48 months."

What credit score do I need to qualify for the Venture Rewards?

TPG recommends a minimum score of 670 for approval for the Venture Rewards, although individuals with lower scores have also been approved.

Capital One specifically mentions that you should have excellent credit to qualify. Still, we've seen multiple reports of people getting approved despite having a credit score below 670. So, it may be worth applying even if you're below that mark.

If you have exceptionally low credit or no credit, it's best to wait and apply for a credit-building card instead.

Related: Credit card showdown: Capital One Venture vs. Capital One Venture X

Capital One Venture Rewards details

If you're interested in applying for the Venture Rewards, here are the basics to know about the card.

Current welcome bonus

New applicants can earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening. Plus, receive a $300 credit to use on hotel and vacation rentals booked through Capital One Travel in the first cardholder year upon account opening.

TPG's October 2026 valuations deem the total value of this bonus at $1,688, including the credit.

There are two primary ways to redeem these miles. One option is to redeem them at a flat rate toward any travel-related expenses on your statement. This includes future bookings through the Capital One Travel portal, parking fees, rental cars and ride-hailing services, among multiple other types of travel. This redemption method offers a flat rate of 1 cent per mile.

A more advantageous alternative could involve transferring your miles to Capital One's 15-plus transfer partners. Most partners offer a straightforward transfer ratio of 1:1.

By transferring your miles to a lucrative partner, such as Air Canada Aeroplan or Air France-KLM Flying Blue, you can often get significant value out of your miles.

Annual fee

The Venture Rewards has an annual fee of $95, which feels reasonable given this card's perks.

Earning

The Venture Rewards presents an earning rate that's simple yet rewarding. You'll earn:

• 5 miles per dollar spent on hotels, rental cars and vacation rentals booked through Capital One Travel
• 2 miles per dollar spent on all other eligible purchases

This card is a good fit if you'd rather not track bonus categories and just want a flat rate on most purchases.

Other benefits

Beyond the welcome bonus, here are the ongoing benefits of the Venture Rewards:

• Auto rental collision damage waiver
• No foreign transaction fees
• Travel with accident insurance
• Up to $120 application fee credit for Global Entry or TSA PreCheck

Related: 7 types of purchases you should make with your Capital One Venture Rewards card

Bottom line

The Venture Rewards earns a flat 2 miles per dollar spent on everyday spending and 5 miles per dollar spent on hotels, rental cars and vacation rentals booked through Capital One Travel, all for a $95 annual fee. That makes it a good fit if you want a simple, low-maintenance travel card.

Before you apply, check three things: You haven't received a Venture Rewards or Venture X bonus in the past 48 months (counted from when the bonus posted, not when you were approved), you haven't been approved for a Capital One card in the past six months, and your credit score is at or above the 670 TPG recommends.

If you clear all three, you're in good shape to apply.

To learn more, read our full review of the Venture Rewards.

Learn more: Capital One Venture Rewards Credit Card

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

British Airways revealed details of its long-awaited Airbus A380 retrofit on Monday, showcasing a massive overhaul across the business-class, premium economy and coach cabins.

The British flag carrier first announced new first-class suites for the A380 in 2024 — the first step in the airline's plans to update the interiors of its superjumbo fleet. At the time, the airline said that the first of those new suites would enter service in 2026. However, the airline did not share details surrounding any of the other classes aboard the palatial planes.

Until Monday, that is.

Here's what to know about the British Airways A380 retrofit.

The world's largest business-class cabin

The newly retrofitted A380 will feature 106 business-class seats, making it the largest business-class cabin in the world, British Airways said.

The new business class, or Club World cabin, will feature what the airline described as "an evolution" of its Club Suite. The suite — first introduced in 2019 — is leaps and bounds above British Airways' aging Club World product, which featured dense cabins of alternating front and back-facing seats that could not all access the aisle directly.

Club Suites, however, are arranged in a 1-2-1 reverse-herringbone configuration and feature closing privacy doors, a calming cool color palette, reading lamps, tons of storage space and an improved inflight entertainment system. The suites can be found on many of the airline's Boeing 777 and 787 jets, as well as its Airbus A350s.

British Airways suggested that the new A380 suites will represent an incremental improvement over the existing model, with "added storage, improved functionality and carefully considered features" based on customer feedback.

The seats will be spread out into four "distinct" mini-cabins spanning the entire upper deck and will offer "dedicated dwell areas," such as those near the galleys.

An upgraded economy and premium economy experience

Down on the lower deck, both economy (World Traveler) and premium economy (World Traveler Plus) will feature new and improved seats.

In the economy cabin, wider seats should offer a bit more comfort despite the 3-4-3 layout, while larger seatback screens should help pass the time with a stocked entertainment library.

Coach passengers will also get improved bedding, with higher-quality pillows and more plush blankets.

Brand-new premium economy seats will feature privacy wings, larger seatback screens and upgraded bedding.

Premium economy passengers will also get new, reusable amenity kits stocked with essentials, including a moisturizer, dental kit and eye mask.

First class out in front

Of course, everything starts with the new, eagerly awaited first class.

Sitting at the very front of the lower deck, the new first class cabin is designed to evoke a "modern luxury hotel feel," British Airways said.

Each cabin will feature three rows for a total of 12 seats in a 1-2-1 layout, according to the airline's previous announcements. The seats will be wider than the existing first class seats, and will feature an ottoman and stowable table, along with a 32-inch 4K inflight entertainment screen.

Travelers in the center seats will be able to open the divider between the seats to create an open "shared lounge" and enjoy "buddy dining" with those stowable tables.

Suites also feature a small minibar with snacks and water.

New amenity kits, available across British Airways' first-class cabins starting Oct. 6, include Wildsmith skincare products along with a "bespoke Circadian Rhythm collection," according to the airline.

New bedding, meanwhile, includes a woven day blanket and cushion, while a mattress topper, lightweight duvet and new pillow are available when it's time to go to sleep.

Also available across the airline's first class cabins: a new dining experience featuring a redesigned "From the Grill" concept. Passengers can create their preferred meal from a selection of available mains, sides and proteins. A new "First Service Specialist" training program has been introduced to the airline's flight attendants, familiarizing them with the new dining system.

Lounges and more at London Heathrow

Along with the A380 revamp, British Airways is planning a significant premium overhaul at its Heathrow Airport (LHR) hub.

The airline plans to build a new lounge at the Terminal 5 C gates, which it says will be one of its "largest and most ambitious" projects.

The new lounge is set to open by the end of 2028 and will feature "sweeping views of the airfield and terminal concourse area" with panoramic windows facing the airfield.

Details were scant, but the lounge will include a 17-meter (about 56-foot) bar, showers and relaxation areas, with an overall light and airy aesthetic. The lounge will also feature a dedicated Concorde lounge area, which is primarily for first-class passengers.

The airline is also redesigning its arrivals lounge. Details were again scarce, but British Airways said the lounge will feature a coffee bar and deli, larger dining areas and dedicated work booths. It will have 59 shower rooms, as well as premium shower suites and changing areas. First-class passengers will have access to a Concorde Arrivals experience with "private cabanas, elegant dining areas and carefully curated interiors."

Finally, British Airways will open a new first-class check-in area at Heathrow's Terminal 3, in partnership with American Airlines.

The changes at Heathrow come alongside lounge renovation projects across the airline's network. Construction is already underway at Boston Logan International Airport (BOS) and Newark Liberty International Airport (EWR), while plans at San Francisco International Airport (SFO) and Geneva Airport (GVA) in Switzerland are set to begin next year.

Bottom line

British Airways is spending billions of dollars to overhaul its customer experience, and announced improvements to its A380s and its Heathrow Airport experience.

One thing that's not clear, though, is when we'll actually see the new seats.

The airline said the new seats will be in service in "the coming months," but it remains to be seen whether they will start flying before the end of this year, as British Airways suggested when it announced its new first-class seats a few years ago.

Fortunately, it looks like the new products are worth the wait.

I just got back from a fabulous three-day weekend in wonderful Palm Springs. There's not only unlimited sunshine and warm weather, but Palm Springs also offers a ton of fun activities, no matter what time of year you go.

I'd been a few times over the years, but it had been more than a decade since I visited, and I'm not sure why I waited so long to return. I had a blast and found a welcoming desert oasis with much more than swimming pools and midcentury house tours.

I used to come for the once-wild White Party, but that was many years ago now, and I'd actually like to come back for Palm Springs Pride Days, which take place annually on the first weekend of November. Although some businesses start their celebrations as early as October 31. It can be a great choice for the holidays as well, when it starts to get cold nearly everywhere else in the U.S. Palm Springs Holidays runs in November and December.

Year-round, though, you'll find a welcoming town with incredible restaurants, a ton of great hotels and a surprising amount of things to do.

It's also a great place to use your points and miles. Read on for all the details.

How to get to Palm Springs

Several major airlines have added or resumed routes to Palm Springs in the past few years, including Alaska, American, Delta and United. Alaska, American, Delta and United have also extended seasonal flights that used to only fly in the winter.

And points can get you a great deal to "The Playground of the Stars."

Here's a quick search I did for Palm Springs in November on Seats.aero.

As you can see, I can fly all the way from New York for as few as 15,500 American Airlines AAdvantage miles or 15,000 United MileagePlus miles.

I also looked for a week-long trip from Seattle in December. Our friends at Points Path report that you can book round-trip reward flights on Delta Air Lines for as few as 18,200 SkyMiles or 17,500 Alaska Atmos Rewards points.

Cash fares from New York can be as low as $296 round trip. From Chicago? As low as $230.

Where to stay in Palm Springs

There's no shortage of fabulous places to stay in Palm Springs, from chic midcentury Airbnbs to full-service resorts. Of course, I was focused like a laser on hotels you can book with points.

I ended up choosing one of the newest offerings in the heart of Palm Springs from the World of Hyatt.

Thompson Palm Springs by Hyatt

We booked three nights at one of the newest stars of the Palm Springs hotel scene: Thompson Palm Springs by Hyatt.

This chic midcentury-inspired resort has 168 rooms and 18 suites in the main hotel, along with two swimming pools and some incredible restaurants.

I was upgraded to a roomy suite with a separate living area and a terrace.

I also got a peek at Thompson's adults-only tower called Upper Stories. It's got its own pool, free drinks and a lounge with some separate facilities. Rooms here come at a premium, with an additional 42 rooms and 5 suites.

The best part of the hotel is the location: It's right on Palm Canyon Drive in the heart of the city and next to incredible dining and some of the most popular attractions in the city.

There are also several incredible restaurants either attached to the resort or within the complex. More on that below.

You can book Thompson for between 20,000 and 25,000 World of Hyatt points per night. That's a great deal considering room rates can climb as high as $887 a night for a standard room. Cash rates start at $285. Look for our full review later this year. Suffice it to say that I can highly recommend the Thompson Palm Springs.

Kimpton Rowan Palm Springs Hotel

Another option we considered was Kimpton's The Rowan. This IHG property opened in 2017 with 153 rooms in the tallest building in the city.

That means sweeping views of Palm Springs. On the weekends, you'll find a live DJ spinning with a packed pool area.

There's also a rooftop dining and drinking spot called High Bar, and their fine-dining restaurant, 4 Saints, which was given a rave review from one of the locals I spoke with.

My former colleague Benji Stawski reviewed the hotel when it opened. Here is a photo of one of the rooms that he took.

Room rates start at just $169 (but can climb over $500 during peak demand), and you can book the hotel with your IHG One Rewards points starting at just 38,000 points per night. Rates during the high season can exceed 100,000 IHG One Rewards points.

I look forward to a stay here on my next visit to Palm Springs.

Hyatt Palm Springs

Hyatt Palm Springs is just down the street from the Thompson. It's one of the few Hyatt-branded properties in the world and features some 197 rooms, all of which are suites.

It opened in 1990 as the Hyatt Regency Suites but was rebranded back in 2014. It's got a swimming pool and 24-hour gym, but the great selling point is the location on Palm Canyon Drive, right in downtown Palm Springs.

Out front, you'll find a section of the Palm Springs Walk of the Stars.

While the hotel is overdue for a renovation, it's a great value on cash or points.

You can book the Hyatt Palm Springs for as few as 8,000 World of Hyatt points per night. The hotel maxes out at just 15,000 World of Hyatt points per night. Cash prices are as low as $140 per night.

Parker Palm Springs

Here's a fun non-traditional hotel option for fans of Old Hollywood and midcentury modern design. Parker Palm Springs has a legendary history. While it's not part of a traditional points program, it's bookable with points through the Leading Hotels of the World (LHW), a collection of more than 400 independent luxury hotels. The program is also now an American Express transfer partner.

The property was the site of the world's first Holiday Inn, but it was purchased by Hollywood celebrity Gene Autry in 1961 and turned into a ranch. Later, it was owned by talk show host and TV producer Merv Griffin.

The 13-acre compound was turned into a resort in 2014, and New York designer Jonathan Adler gave it a distinctive Hollywood-meets-Old West theme that reads as campy fun.

Parker Palm Springs is in the middle of a renovation, but I got to check out some of the public facilities.

I also took a quick tour of a room that was open to visitors. The hotel has a total of 144 rooms on the expansive property.

A brief search of pricing shows room rates starting at more than $600 a night, or 7,613 Leaders Club Points a night. I did see room rates in the low season for as low as $499 or 4,000 points.

Though it's not in a central location, I'd love to come back for a visit once the renovations are completed.

Holiday House Palm Springs

One final hotel I need to mention came highly recommended by locals I spoke with. The Holiday House Palm Springs is an old 1950's motel that's been turned into a luxury showpiece.

You'll find pop art and stylish furnishings throughout the public spaces and a fun swimming pool in the center of the resort.

The best part about the renovation, though, is that you can book it using World of Hyatt points. This is a Mr & Mrs Smith property. That means you can earn and burn World of Hyatt points for a stay. You can book for as few as 16,750 World of Hyatt points per night, but can go as high as 92,000.

Cash rates at this adults-only property start at just $199 a night but can go as high as $999 per night.

What to do in Palm Springs

Palm Springs Aerial Tramway

One of the activities I got to try out that I didn't even know existed before I was assigned to write about visiting Palm Springs was the Aerial Tramway. What an adventure!

Tickets cost about $37 for adults and $21 for children, and I recommend booking early, as many time slots do sell out. It's a popular activity.

Once inside the tram car, you hear a bit about the attraction, and then it starts rotating as it ascends on a 10-minute journey to an elevation of 8,516 feet. It's a whole other climate up there, where you hike or dine.

Once up at Mountain Station, you'll have sweeping views of the Coachella Valley and some 50 miles of hiking trails within San Jacinto State Park.

I can't recommend it enough, but be warned that you may need to bring a sweatshirt or sweater. It is often more than 20 degrees cooler on top of the mountain.

Palm Springs Art Museum

I also got to explore the Palm Springs Art Museum, which had a fascinating exhibit on LGBTQIA+ art (Queer Arcana). Entry costs $25, but includes access to special exhibits.

Of course, no visit to Palm Springs would be complete without a selfie at the giant statue of Marilyn Monroe.

"Forever Marilyn" is a 26-foot-tall statue by artist Seward Johnson of the blonde bombshell modeled on the famous scene in the movie "The Seven Year Itch." Monroe was said to have been discovered in Palm Springs at Charlie Farrell's Racquet Club.

Where to eat in Palm Springs

I dined like a king in Palm Springs. I ran out of days to dine long before I actually ran out of intriguing restaurants to try.

Two of the hardest reservations to get in town are at Bar Cecil and its next-door sibling, Beaton's. Both establishments were named for the legendary gay artist Cecil Beaton. I recommend booking early, as it's the hottest ticket in town.

Another hot spot? Bar Issi is part of the Thompson Hotel complex, and it was buzzing whenever I walked past on Palm Canyon Drive.

I had an amazing salad and delicious pizza, but the menu has a bit of everything. Bar Issi describes the menu as an "... elevated Coastal Italian dining experience."

Also part of the Thompson Palm Springs, Lola Rose serves eastern Mediterranean food with style. Service was excellent both at the bar and at breakfast during my stay at the hotel.

Definitely add this restaurant to your list of places to dine in Palm Springs. I'm still remembering the kabobs I enjoyed.

I also got to try the popular Mexican restaurant Tac/Quila for some yummy fajitas. Outdoor seating is available for walk-ins, but make reservations if you don't want to sit in the Palm Springs heat.

Honorable mention goes to Las Casuelas, where I got my fix of a California-style Mexican burrito, which I've never been able to quite replicate dining in New York City.

Rooster and Pig also came highly recommended, though I didn't have enough time to go myself. No matter what you choose, though, you're likely to meet some friendly neighbors.

"One of my favorite things about Palm Springs is that no matter what restaurant you go to, it is very easy to strike up a conversation with a fellow diner," said James Hunter, a design director at The Wiseman Group in San Francisco.

Indeed, I found the locals and visitors extremely friendly and welcoming, whether at the restaurants I tried, at local bars like Chill or Tool Bar, or even just hanging out by the pool.

Speaking of which, I got invited to the home of an old friend of mine while I was in town.

Gene Howell is the co-host of The Desert Brew on NBC Palm Springs. He told me, "Palm Springs has the best of both worlds. It's a small town with a big-city soul — small enough that you run into people you know everywhere you go, but still worldly and sophisticated, and you never run out of things to do."

Howell called the city immaculate and said, "And of course, we live and breathe mid-century here."

Bottom line

I thoroughly enjoyed my long weekend in Palm Springs. It's so much more than just swimming pools and movie stars. There are a ton of activities, and it's an excellent destination for foodies, too.

It's also a surprisingly great place to use your valuable points and miles. There are plenty of points hotels and easy flight award redemptions to get you to PSP.

I can't wait to go back (and maybe stay a little longer next time).

In one week, I went to the casino with my dad, had my hair done with my mom, walked on a glacier, hiked through a rainforest, ate lobster (three times), watched my dad win a shuffleboard tournament, got a massage, saw more than a dozen bald eagles, countless whales, watched aerialists and acrobats, had a blast at an interactive teppanyaki dinner, saw a candlelight concert and laughed with my parents more times than I could count.

And honestly, that list of things we did was just the tip of the iceberg, or glacier, if you will. It would be accurate to say a smile rarely left my face for those seven days.

Even doing one of those things back home would make it a pretty darn good week, but they were all at my fingertips as I sailed with my parents on the newest and biggest ship to cruise Alaska. To say that we had a great trip would be a dramatic understatement.

The ship that made it happen was Star Princess, the newest ship in the Princess Cruises fleet, which first set sail in 2025.

But don't let that new ship smell fool you into thinking you're just getting the fluff of Alaska without the real adventure. Princess has been sailing to the 49th state since the 1960s, and this summer it brought its newest and largest ship north to join seven other Princess ships sailing Alaska.

While I'm not new to cruising or to Alaska, this was my first sailing with Princess. I went in not knowing exactly what to expect, and I left seven days later, hoping it wouldn't be too long before my second sailing. (And my parents may or may not have already put a deposit down to do it all over again.)

In case you're toying with the idea of exploring The Great Land by ship, here is what it was like to experience Alaska on Star Princess.

Related: The ultimate guide to Princess Cruises ships and itineraries

Star Princess brings new-ship comforts to Alaska

While I try not to be, I'm maybe a tiny bit bougie.

And though I'd tell you with an honest, straight face that Alaska is worth visiting no matter where you stay or who you cruise with — because it is — I'd also admit that your trip will be a lot more comfortable if you sail on a beautiful new ship.

There's no doubt that Star Princess is a belle of the Alaska ball as a brand-new option that holds 4,300 passengers at double occupancy and provided us with an incredibly smooth ride and a ship that rarely felt crowded due to all of the many spaces that the ship provided for guests to spread out.

But beyond just looking beautiful, some of the ship's technology genuinely made the trip better. The Wi-Fi was fast and worked every time I tried it, and the MedallionClass technology actually improved the experience.

Princess gives you a small medallion to wear or keep in your pocket that serves as your room key and payment method. It can also track your location, which means you can order "room service" at other places on the ship. It was also incredibly helpful to find my parents on such a large ship by checking their location in the Princess app, since we were linked as shipmates.

The Medallion even knows when you are approaching your cabin and automatically unlocks the door for you, which may sound small, but when your hands are full, it's tremendously helpful.

And speaking of the cabin, it was an extremely comfortable place to come back to after exploring Alaska.

There are sometimes late nights and early mornings if you want to make the most of an Alaska cruise, but falling asleep at night was never a problem thanks to the deliciously fluffy white bedding in my balcony cabin.

The room itself was not only modern and lovely, but also thoughtfully designed and intuitive. The lights were easy to operate, including floor lights that automatically came on at night. The shower was also easy to use and had strong water pressure. And if you've ever fought with technology just to get the water on or lights off, you know how much this matters.

My cabin was touched up twice a day by the gracious cabin host, who was the equivalent of a fairy godmother in my eyes. That made walking back into my "home" for the week a treat every single time. And in fact, every Princess crew member that we encountered was both gracious and attentive.

Then I stepped onto an actual glacier

I can be 100 years old, and I'll never forget flying with NorthStar Helicopters, soaring over the mountaintops in Juneau and coming to a gentle rest atop a real glacier in the Juneau Icefield.

We got to step outside and walk around on the glacier, look at the glacial blue streams and peer into crevasses so deep that my mind could barely comprehend how far down they might go.

It's one thing to see a glacier from the ship, which by itself is breathtaking, but it is a whole other level of spectacular to experience one this close up and hear the sound of the ice beneath your boots.

It can be hard to budget for a helicopter excursion on top of the cruise itself, but this day convinced me it is absolutely worth doing at least once, if at all possible, if glaciers are as high on your wish list as they were for me.

I ate extremely well — including a whole lot of lobster and Alaska salmon

When you're sailing for a full week, the food matters. That's especially true on an Alaska sailing, where you will likely have some sea days at the beginning and end of your journey when you're eating all your meals onboard.

And I have to say, I ate like an absolute queen while on Star Princess.

I found plenty I liked well enough from room service, the main dining room, the on-deck taco, burger and pizza spots and The Eatery buffet, all of which are included.

But I also had the optional Princess Premier package, which can start around $100 additional per person, per day and includes Wi-Fi, gratuities, specialty coffees, sodas and alcoholic beverages up to $20 each, along with unlimited dining at seven specialty restaurants and two casual restaurants onboard.

Naturally, I tried as many as I could.

Crown Grill, Princess' signature steakhouse and seafood restaurant, was a standout, with exceptional service, a memorable mozzarella and garlic-stuffed bread basket and, naturally, a lobster tail with melted butter.

But the most fun dinner of the week award goes to Umai Teppanyaki, where my parents had their first teppanyaki experience. We laughed through the funny songs, tried (and succeeded!) to catch cooked egg in our mouths and even took turns attempting to catch an egg with a spatula without breaking it — which we all failed.

What didn't fail us was the fried rice, teriyaki chicken, shrimp, miso soup and hilariously entertaining chefs.

I also really enjoyed the multicourse sushi at Makoto Ocean, including toro and snow crab, and went back to The Catch by Rudi twice, in no small part because of its hot-smoked, honey-brushed salmon appetizer.

And Alaska showed up on the menus, too. Princess brings fresh salmon on board in Juneau and serves Alaska beer throughout the ship, as just two examples. Seafood night at The Eatery was popular, and on the last formal night of the cruise, lobster was an included option for everyone in the main dining rooms.

Yes, that means I ate lobster three times in one week. No, I don't regret it one bit.

Pro tip: If The Eatery is looking full, keep walking aft to the adjacent retro-style Americana Diner and sit in that area for a bit more space to yourself. It has many of the same food options as The Eatery, or you can just bring your plate from there if it had an item you wanted and couldn't find in the diner.

Easy access to excursions across Alaska that I'll never forget

I couldn't wait to tell you about walking on a glacier, but there was so much more we saw and experienced in Alaska, all of which was booked through the ship.

You certainly can book your own excursions, sometimes for a few dollars less if you DIY, but I liked having mine booked through Princess for two main reasons.

First, given how long Princess has been sailing to Alaska and working with tour operators there, I felt confident the excursions would be excellent. And second, I didn't have to worry about getting back to the ship on time.

If a Princess-booked excursion is delayed, the ship will wait when possible. Or, in the rare worst-case scenario that it can't wait any longer, Princess will arrange transportation to meet up with the ship at the next port. The same is not true if you book on your own. But having my excursions booked directly meant I could relax and enjoy my time in Alaska without watching the clock.

And we packed a lot into our port days.

In Juneau, in addition to the helicopter landing I already told you about, I took an airboat extremely close to the Taku Glacier, with plenty of bald eagles and seals along the way.

Thanks to a relatively long port day in Skagway, I was able to fit in two excursions — and still had time to walk into town for some epic fry bread from the Klondike Doughboy, which I highly recommend.

That morning, an ocean raft adventure took us through North America's deepest and longest fjord, lined with waterfalls, hidden coves and, again, plenty of bald eagles and seals. It had the right mix of adrenaline-junky speed and pauses to take in the views and wildlife.

Later that afternoon, I took the White Pass Scenic Railway into Canada along some of the same route that carried prospectors toward the gold more than a century ago, albeit in much greater comfort today.

I was in the luxury car, which certainly isn't necessary to enjoy the views, but was pretty darn nice. It holds only 14 people and has a private scenic platform, along with a guide dedicated to your car who shared some fantastic history along the journey — and made sure drinks stayed full.

In Ketchikan, having already explored the totem poles and Creek Street on a previous trip, I boarded a motorized inflatable Seahawk for a cruise through the Clover Passage to a secluded beach in the Tongass National Forest. We walked a trail through western red and yellow cedars with a naturalist guide before heading back to the ship.

And just when I thought we'd packed enough into the day, we spotted several humpback whales from the boat on the way back to the dock.

Related: Ultimate guide to Alaska cruise ports and attractions

Plenty of places to take in epic Alaska views

Of course, one of the highlights of sailing to Alaska is taking in the glaciers, fjords and mountains along the way.

Star Princess is especially good for this if you like your views with a side of protection from the elements, as there are plenty of sheltered places to take it all in, including The Dome and the forward portion of the ship on the top decks.

The infinity pool on the aft deck was another incredible place to watch sailaways and be impressed by the ship's wake.

But if you want totally unobstructed views, especially if you don't have your own balcony, a "secret" spot I found was on Deck 10 forward near room 10106. Head out there, and you can have the wind in your hair and clear views of the glaciers and more.

Getting pampered on board after exploring on land

I highly recommend getting off the ship and enjoying all that Alaska has to offer if you are physically able, but after all that hiking and adventuring, I'm also a big fan of making the most of the onboard amenities.

Naturally, one of my first stops was the Lotus Spa. In addition to a full array of treatments, this is also where you'll find what Princess calls "The Enclave," with a hydrotherapy pool, heated stone loungers, aromatic steam rooms and more. You can purchase access for the week even if you don't book a spa treatment.

Pro tip: Take the spa tour on the first day to get a peek at The Enclave and decide whether to purchase access.

I also loved the shampoo and blow-dry three-pack that was available. Cruise ships are great, but they aren't always ideal for bringing all your hair tools and products, so I often get my hair done at least once while on board to skip all that packing.

But getting a three-pack at prices that were honestly less than what it costs me on land was a no-brainer. My mom even came along once, which was a real treat.

Almost too much entertainment to choose from

The cruise director shared a mind-boggling stat that there were 130 to 150 entertainment activities per day on our sailing, and after seeing the lineup, I believe it.

Unlike some other cruises I've been on, there weren't usually just one or two main events that everyone went to in a day, but rather a buffet of activities to pick and choose from.

We tried everything from the shuffleboard tournament, which my dad won, to game shows, bingo (which we sadly did not win) and even a silly guest vs. officers bean bag toss.

I'd say don't miss Illuminate, which was in the 990-seat theater-in-the-round arena and was around 45 minutes of pure color, fun and talent. Think: Pink Pony Club goes to the circus.

Then there were two candlelight concerts in The Dome, each with more than 900 candles creating a truly beautiful setting, along with aerial acts in both the center Piazza and The Dome.

One night, I also purchased the buy-up Spellbound by Magic Castle experience, which included two signature cocktails in a themed speakeasy and a 30-minute show by a world-class magician. I had a front-row seat and still have absolutely no idea how he did any of his tricks.

If you like speakeasies and magic, I'd absolutely add this one to your sailing.

Pro tip: To have your pick of seats for the popular game shows and production-level acts in the arena, the Dome and the Piazza, I'd recommend getting there at least 30 to 45 minutes early.

Star Princess worked well for multiple generations

Don't take this the wrong way, but if you ever thought Princess was just a cruise line for retirees and grandparents, it's not.

Yes, it absolutely works for that demographic — but there were so many multigenerational families on board that it honestly didn't matter what age you were, you were going to be in good company.

There were happy kids jumping in the pool, young adults enjoying the bars and shows and plenty of parents and grandparents, too. At least on our sailing, it didn't skew so heavily in any one direction that those outside of that group would feel out of place.

I didn't feel overwhelmed by an army of kids, but I also wouldn't hesitate to bring mine, as the kids' spaces, broken up into separate age groups, looked great.

And, obviously, sailing with my own parents made this a multigenerational trip for us, too. We found plenty we enjoyed doing together, but also had no problem splitting up when we wanted to do our own thing, which is pretty much the sweet spot for a family trip.

The vibe on board was certainly lively, but also classy and, dare I say, classic, with some silly moments and activities, but nothing that crept too far into wet t-shirt contest or beer-chugging competition territory.

Bottom line

Alaska is always worth the trip, and doing it on Star Princess made for an extremely comfortable experience. Some of the best excursions Alaska has to offer were right at our fingertips, but welcoming touches like hot chocolate and even quick chair massages were waiting when we walked back on board.

Star Princess is the newest and biggest ship sailing Alaska right now, and when you combine that with the decades of history Princess has in the 49th state, it makes for a combination that's hard to beat.

I very much hope to sail with Princess again, but it's looking more and more like my parents may beat me to it, as they already want to sail Alaska again — whether I'm with them or not.

Related reading:

• Everything you need to know about Princess Cruises' Captain's Circle loyalty program
• Which Princess Alaska cruisetour is right for you? A complete guide to all your options
• 5 best destinations you can visit on a Princess ship

It's no secret that at TPG, we love a good deal — whether that's a business-class flight on points, an awesome welcome bonus on a top credit card or Amazon's semi-annual Prime Day sales.

Related: Check your offer: Save up to 50% on Amazon purchases using just 429 Amex points

Amazon's fall Big Deal Days sale kicked off at 11:59 p.m. PDT on Oct. 6 and runs until 11:59 p.m. PDT on Oct. 7. Thousands of items across the site are eligible for deals, but we've combed through to find some of our favorites so that you don't have to — and we'll continue adding to this list with updated pricing and new deal drops over the next two days.

These deals are only available to Amazon Prime members, but there's still time to sign up for a free 30-day trial membership to take advantage of the sale if you aren't already a member.

So if you have an upcoming fall trip you're planning for (or want to get an early start on your holiday shopping), make sure to check out these Amazon Prime Big Deal Days offers before they're gone.

Related: Amazon, Target and Walmart all have big October sales, but which one is the best?

Travel essentials

Amazon Kindle 16GB (2024 model) — $103.99 (normally $149.99)

Voracious readers, take note: Older Kindle models are on sale this week as Amazon makes room for its latest versions released just last week. Even though this isn't the newest or lightest model, the 2024 Kindle still has a no-glare display and a battery that lasts up to six weeks. You can even use library apps like Libby to download books via your local library instead of purchasing digital copies online. And if you trade in your old Kindle, you can save an extra 20%.

Buy: Amazon Kindle Paperwhite 16GB (2024 model), $103.99 (normally $149.99)

Miss Mouth's Messy Eater stain remover pen (2-pack) — $11.89 (normally $13.99)

Carly Helfand, TPG's director of content strategy, is "religiously devoted" to Miss Mouth's Mess Eater stain remover, especially on trips when she doesn't have access to a washing machine. "Trust me when I tell you this stuff is pure magic," she wrote in an essay about her carry-on-only packing strategy. "You can literally watch a stain disappear before your eyes after treating."

Buy: Miss Mouth's Messy Eater stain remover pen (2-pack), $11.89 (normally $13.99)

Tessan universal travel adapter — from $19.65 (normally $24.57)

A universal power adapter is a must-have for any international traveler. This Tessan model has multiple USB and USB-C ports for your devices, and it'll work in over 150 countries. Right now, you can get it for 20% off.

Buy: Tessan universal travel adapter, from $19.65 (normally $24.57)

Twelve South AirFly Pro 2 Bluetooth adapter — $47.99 (normally $59.99)

Airlines are slowly adding Bluetooth to their inflight entertainment systems, but it'll be a while before this is ubiquitous. Bring the AirFly Pro 2 with you, though, and you can add Bluetooth connectivity to any plane. Plus, it also works with treadmills and other devices with headphone jacks.

Buy: Twelve South AirFly Pro 2 Bluetooth adapter, $47.99 (normally $59.99)

Bagsmart large electronics travel organizer — from $11.99 (normally $14.99)

Remote workers and road warriors know the struggle of traveling with a seemingly endless amount of cables. They're always tangled, and you can never find the right one. Invest a few dollars in this organizer, and your cables, USB drives and other electronics will always have an easy-to-find home in your backpack.

Buy: Bagsmart large electronics travel organizer, from $11.99 (normally $14.99)

Bagsmart compression packing cubes (set of 6) — from $17.84 (normally $22.99)

Packing cubes are absolute game changers: They are every pro traveler's best-kept packing secret. Bagsmart's set of compression packing cubes features a range of organizers in various sizes. They're waterproof to boot and available in several different colors.

Note that not all colors are available, and prices vary by color.

Buy: Bagsmart compression packing cubes (set of 6), from $17.84 (normally $22.99)

Cabeau Evolution Cool travel neck pillow — from $47.49 (normally $64.99)

This supportive memory foam travel neck pillow is my current go-to for getting sleep in economy on longer flights. It's extremely comfortable, can be worn multiple ways, has a storage pouch that easily clips to bags and it has mesh vents for better airflow (so you don't get overheated with the pillow fastened around your neck).

Buy: Cabeau Evolution Cool travel neck pillow, from $47.49 (normally $64.99)

Jisulife portable hand-held fan — $14.39 (normally $17.99)

This compact desk fan won't take up too much space in your bag, and it's perfect for keeping cool while on the go in the summer. We use ours constantly while traveling (especially to destinations that don't have the same love of indoor air conditioning as the U.S), but it's also an at-home staple during the summer.

Buy: Jisulife portable hand-held fan, $14.39 (normally $17.99)

Kitsch Contour Pillow eye mask — $18.23 (normally $23.99)

Sleep is important wherever you are, but it can be harder to get good shut-eye when traveling. Planes can be bright and noisy, with uncomfortable seats, and hotel rooms don't always have blackout curtains to keep light out. We swear by a pillow eye mask that doesn't put direct pressure on your eyelids (it's more comfortable), and this version from Kitsch is currently 30% off. Trust us, your sleep cycle will thank you.

Buy: Kitsch Contour Pillow eye mask, $18.23 (normally $23.99)

Purell hand sanitizer spray (6-pack) — $17.91 (normally $21.55)

Airports are dirty places, so you should always come equipped with hand sanitizer. This six-pack of Purell is on sale for Prime Day and gives you the perfect opportunity to stock up for future trips. They're infused with essential oils and come in travel-friendly 2-ounce bottles, so there's no worry about TSA restrictions.

Buy: Purell hand sanitizer spray (6-pack), $17.91 (normally $21.55)

Luggage, bags and accessories

Antler Urban Light overnight bag — from $84.94 (normally $175)

This overnight bag is a great pick for weekend trips, overnights or as a companion to your larger carry-on bag. It's crafted from recycled polyester that's lightweight and durable, plus it adds water resistance. It has several internal pockets to keep you organized and a back sleeve that lets you slide it over the handle of your rolling luggage for easy travel.

Buy: Antler Urban Light overnight bag, from $84.94 (normally $175)

Antler Soft Stripe carry-on luggage — from $118.06 (normally $217.30)

This airline-approved soft-side carry-on weighs just 4.1 pounds but has enough room for a trip of up to 5 days if you pack light. It also features a zippered expansion for extra packing depth, a front external pocket for quick-access storage, a built-in TSA lock, and 360-degree spinner wheels.

Buy: Antler Soft Stripe carry-on luggage, from $118.06 (normally $217.30)

Away Bigger carry-on luggage — from $206 (normally $295)

Away's luggage is as durable as it is iconic — and it rarely goes on sale. The Bigger Carry-On will fit in the overhead bins of most domestic airlines, and has four 360-degree wheels that make it easy to roll from the lounge to the gate. The bag is big enough for four to seven-day trips if you pack light, and it weighs just 7.9 pounds thanks to its lightweight polycarbonate shell. There's a variety of colors on sale, but the biggest discount is on the bright Kelly green.

Buy: Away Bigger carry-on luggage, from $206 (normally $295)

Away Softside Bigger carry-on luggage — $171 (normally $245)

If you prefer soft-shell expandable luggage, Away has you covered. The Softside Bigger Carry-On is sized similarly to the hardshell model above, but is expandable thanks to a side zipper. When unzipped, you add an extra 2.25 inches of space, perfect for road trips and train journeys when you're not beholden to the overhead compartment. There's also a zippered external pocket that's perfect for your backup battery or other accessories you need in a pinch.

Buy: Away Softside Bigger carry-on luggage, $171 (normally $245)

Away Softside Large checked suitcase — $227 (normally $325)

Away's large Softside Checked Suitcase is perfect for longer trips, thanks to its spacious interior. Its four 360-degree wheels and proprietary stabilizer make it easy to roll to the check-in counter, too, avoiding the bag tips you might experience with other large suitcases.

Buy: Away Softside Large checked suitcase, $227 (normally $325)

Mixi carry-on luggage — from $158.09 (normally $185.99)

This 20-inch carry-on has a unique wide handle design that's as stylish as it is functional. Inside, you'll find a compression strap to maximize packing space, and outside, there's a quick-access pocket for a laptop or anything else you need in a pinch. We also love the variety of pastel colors available.

Buy: Mixi carry-on luggage, from $158.09 (normally $185.99)

Travelpro Platinum Elite hard-side carry-on luggage — from $235 (normally $325.74)

Travelpro is offering deep discounts on several of its top-performing luggage and accessories during this October's Amazon Prime Big Deal Days sale, including its Platinum Elite hard-sided luggage and Maxlite 5 soft-sided expandable carry-on.

TPG's Clint Henderson is a big fan of his Travelpro spinner suitcase. Overall, it has held up well. These carry-on spinner bags are great whether you're looking to carry-on or check your bag.

Buy: Travelpro Platinum Elite hard-side carry-on luggage, from $235 (normally $325.74)

Osprey Daylite expandable travel backpack — from $71.50 (normally $110)

Osprey's expandable backpack, which can be used as a personal item on most domestic and international flights, is on sale for up to 35% off. The bag comes with an easy front-zip pocket, an internal laptop sleeve and a luggage sleeve so you can strap it to your roller bag for easy maneuvering. The zipper goes all the way around, letting you open it like a carry-on, making it easier to pack.

Buy: Osprey Daylite expandable travel backpack, from $71.50 (normally $110)

Level8 carry-on luggage — $135.99 (normally $169.99)

Level8's carry-on is one of the more stylish bags we've seen in this sale, with a boxy design crafted from three layers of polycarbonate. It's designed to fit in the overhead compartment of most airlines and has the features you need on the road: TSA locks, four wheels and a durable aluminum handle.

Buy: Level8 carry-on luggage, $135.99 (normally $169.99)

Samsonite Octiv Pro 3-piece hardside lightweight luggage set — $440.99 (normally $629.99)

Revamp your entire luggage kit with this three-piece set from Samsonite. It includes a 21-inch carry-on bag, plus both 24- and 28-inch checked bags, so you're prepared for any trip. The carry-on is particularly interesting, featuring an external front pocket that holds your laptop and travel documents. Each bag is a four-wheel spinner and has built-in TSA locks and telescoping handles with eight different length adjustments.

Buy: Samsonite Octiv Pro 3-piece hardside lightweight luggage set, $440.99 (normally $629.99)

Away The Everywhere Bag — from $138 (normally $198)

The Everywhere Bag is perfect for weekend trips and other times you don't need a full suitcase. It's a versatile handbag that fits airline requirements for a personal item, making it an excellent companion on budget carrier flights. There's a 16-inch laptop sleeve inside and an external trolley sleeve for attaching to your carry-on. And when you're not on the road, you can use the Everywhere Bag as your gym or work bag.

Buy: Away The Everywhere Bag — from $138 (normally $198)

Apple AirTag 4-pack — $89 (normally $99)

It'll come as no surprise that we're huge fans of Apple AirTags here at TPG. They're the perfect way to keep track of your possessions, especially if you plan to check bags. These tend to sell out when they go on sale, so make sure to snag them before they're gone!

Buy: Apple AirTag 4-pack, $89 (normally $99)

Tile by Life360 Mate 4-pack — $49.99 (normally $79.99)

If you're looking for a luggage tracker other than the much-lauded Apple AirTag, Tile is certainly a worthy contender. The tracker is compatible with most cellphone operating systems, including Android and iOS, and various smart home devices. It's also water-resistant and is on sale for much cheaper than an AirTag set of four.

Buy: Tile by Life360 Mate 4-pack, $49.99 (normally $79.99)

Riemot luggage travel cup holder — from $8.06 (normally $13.99)

We all know the pain of buying a coffee at the airport and then having no free hands while you roll your luggage through the terminal. This cup holder for your suitcase fixes that. It attaches to your luggage handle and adds two cup holders and a phone pouch, freeing up your hands so you can text your friends photos of your business-class seat.

Buy: Riemot luggage travel cup holder, from $8.06 (normally $13.99)

Travel Inspira luggage scale — $7.99 (normally $9.99)

A luggage scale is a must for anyone who frequents budget airlines, since you can avoid overweight luggage fees by weighing your bags before you check them. This portable scale is small enough to bring with you on the road, and it can weigh up to 110 pounds. Using it is simple: Attach it to your luggage handle and lift. At under $10, it can pay for itself if you avoid just one overweight luggage fee.

Buy: Travel Inspira luggage scale, $7.99 (normally $9.99)

GlocalMe Numen Air 5G mobile hot spot — $254.99 (normally $319.99)

The GlocalMe Numen Air 5G is a remote worker's best friend. It can connect you to the internet anywhere in the world with your own dedicated Wi-Fi hot spot. No more hunting for free Wi-Fi in coffee shops or worrying about someone stealing your data on unsecured networks. You can buy data packages from GlocalMe or use the hot spot's SIM card slot with any supported network, both at home and abroad. TPG contributor Andrew Kunesh has had one for a few months and uses it almost every day he's on the road.

Buy: GlocalMe Numen Air 5G mobile hot spot, $254.99 (normally $319.99)

Headphones and travel speakers

Bose QuietComfort Bluetooth headphones — from $169 (normally $359)

Bose's staple noise-canceling wireless headphones are often touted as the perfect balance of quiet, comfort and sound. They have two modes: Quiet for noise cancellation and Aware for hearing your environment and music simultaneously. These are currently a whopping 53% off to make room for the newer model, so they are definitely worth checking out if you're a fan of over-the-ear headphones.

Buy: Bose QuietComfort Bluetooth headphones, from $169 (normally $359)

Beats Solo 4 headphones — $99.95 (normally $199.95)

This model provides up to 50 hours of total battery life and features a more streamlined design than your typical over-the-ear headphones. These Bluetooth headphones are compatible with both Apple and Android devices, but you can also use a USB-C or 3.5mm audio cable if you prefer. All color options are currently 50% off.

Buy: Beats Solo 4 headphones, $99.95 (normally $199.95)

Apple AirPods Pro 3 — $179.99 (normally $249)

Apple AirPods Pro are a TPG favorite thanks to their superior sound quality, noise-canceling capabilities and snug fit. These are the newest model of AirPod Pro earbuds, too, so the fact that they're currently available 28% below their usual asking price is a good deal.

Buy: Apple AirPods Pro 3, $179.99 (normally $249)

JBL Go 4 Bluetooth speaker — $34.95 (normally $49.95)

This ultra-portable Bluetooth speaker has everything you need for a beach day or jamming out in your hotel room. The device is both waterproof and dustproof, and has a seven-hour battery life that can be extended by two hours with the Playtime Boost feature. Sound quality is good too, with punchy bass.

Buy: JBL Go 4 Bluetooth speaker, $34.95 (normally $49.95)

Travel accessories for parents

Lusso Gear airplane tray table cover for kids — from $25.19 (normally $31.49)

Airplane tray tables are notoriously filthy, and a toddler will touch every inch of one. This cover slips over the tray to keep it clean, then turns it into an organized play space with pockets for snacks, small toys and a tablet. It folds flat to pack and can be machine-washed when you get home

Buy: Lusso Gear airplane tray table cover for kids, from $25.19 (normally $31.49)

On The Plane activity book — $6.25 (normally $12.99)

This book gives you a screen-free way to keep restless kids busy from the gate to the runway. Sixty-four full-color pages of mazes, puzzles, and drawing games — including "I Spy While I Fly" and behind-the-scenes diagrams of how planes work. It's aimed at ages 3 to 6, though reviewers say older kids enjoyed it. Just add pens and pencils.

Buy: On The Plane activity book, $6.25 (normally $12.99)

Travel-friendly shoes

Dr. Scholl's Shoes Time Off women's sneaker — from $53.29 (normally $110)

These white faux leather sneakers go with everything — and since they're made by Dr. Scholl's, you know your feet won't hurt after walking more than 10,000 steps a day in them on your next trip.

Buy: Dr. Scholl's Shoes Time Off women's sneaker, from $53.29 (normally $110)

New Balance Women's 515 sneaker — from $39.87 (normally $79.99)

New Balance is also known for making comfy yet stylish walking shoes. This version comes in more than a dozen colors, but you'll find the largest discount (50%!) on this seafoam green pair.

Buy: New Balance Women's 515 sneaker, from $39.87 (normally $79.99)

Adidas Unisex Adult Adilette Lumia slide — from $23.68 (normally $40)

Taking your shoes off at airport security can be awkward — especially if you're wearing boots or other lace-up shoes. Instead, slip on these Adidas slides and pop them on and off with ease. They're also incredibly comfortable and lightweight, making them the perfect travel shoe for the summer months. Just make sure to pair them with socks for airport treks.

Buy: Adidas Unisex Adult Adilette Lumia slide, from $23.68 (normally $40)

Related reading:

• The best credit cards for Amazon purchases
• Amazon Prime members can save 20 cents per gallon on gas every Friday through January
• 7 ways to save money on Amazon orders
• How to redeem your points and miles for Amazon purchases

Whether you're purchasing groceries, cleaning supplies, electronics or anything in between, there's a good chance you do some of your shopping at Target.

If you're spending a significant amount, you'll want to make sure you're using a credit card that maximizes your purchases from the store. That's especially important during Target Circle Deal Days (running Oct. 6-7).

With the right card, you can earn cash back that goes into your pocket, or points that you can put toward that trip you've been dreaming about.

Here are the top credit cards that will help you maximize your Target purchases with discounts or bonus points.

Overview of the best credit cards for Target purchases

First, a quick note: As a superstore with a large variety of products, most Target locations code as general spending, so the best card for traditional grocery stores or wholesale clubs may not be the best card to use at Target.

A small number of Targets are considered "grocery stores" which means at these locations, you'll earn points based on the grocery category. Your best bet might be to make a small purchase and check your statement to see how the purchase codes. If your Target is considered a grocery store, check out the best cards for groceries.

For everyone else, here are the best cards to use on your Target runs:

• Capital One Venture X Rewards Credit Card
• Capital One Venture Rewards Credit Card
• Target Circle™ Card
• Discover it® Cash Back
• Chase Freedom Unlimited® (see rates and fees)

The information for the Target Circle Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Best credit cards for Amazon purchases

Comparing the best credit cards for Target purchases

Best credit cards for Target purchases

Capital One Venture X

Annual fee: $395

Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening.

Earning rate at Target: 2 miles per dollar spent

Why we like it: Although the Capital One Venture X has the highest annual fee of any card on this list, it comes with an extensive range of benefits that are beneficial for frequent travelers.

You'll get a $300 annual credit toward travel purchases made through the Capital One travel portal, bringing down the effective annual cost to just $95 per year. Not only that, but you'll get a 10,000-mile bonus every account anniversary, complimentary access to Capital One and Priority Pass lounges, and up to $120 in statement credits toward Global Entry or TSA PreCheck.

Target shoppers win when paying with the Venture X, since you'll earn at least 2 miles per dollar on all eligible purchases.

For more details, check out our full review of the Venture X.

Learn more: Capital One Venture X

Capital One Venture Rewards

Annual fee: $95

Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening, plus receive a $300 credit to use on hotel and vacation rentals booked through Capital One Travel in the first cardholder year.

Earning rate at Target: 2 miles per dollar spent

Why we like it: The Capital One Venture Rewards can be a better fit than the Venture X for Target shoppers who want a simple 2-miles-per-dollar earning rate without paying a premium annual fee.

Plus, you'll still earn at least 2 miles per dollar spent on all purchases — including at Target — but for just $95 per year. You'll also receive an up to $120 statement credit toward your Global Entry or TSA PreCheck application.

For more details, check out our full review of the Venture Rewards card.

Learn more: Capital One Venture Rewards

Target Circle Card

Annual fee: $0

Welcome bonus: Get $75 in Target Circle Rewards when you're approved for a Target Circle credit card.

Earning rate at Target: 5% savings on qualifying purchases at Target

Why we like it: Unlike other cards on this list, this card offers an immediate discount on purchases. A 5% discount on qualifying Target purchases, both in-store and online, can save you a pretty penny. Plus, cardholders get 5% off at Starbucks locations inside Target.

Other benefits include 30 extra days for returns and free shipping on most Target online purchases without having to meet the usual $35 minimum.

The Circle Card is offered as either a debit or credit card. The debit version can often make more sense, as it won't add to your 5/24 count with Chase.

For more details, check out our full review of the Target Circle Card.

Discover it Cash Back

Annual fee: $0

Welcome bonus: The Discover it Cash Back doesn't have a traditional welcome offer. Instead, Discover will automatically match all cash back you earn in the first cardholder year with no minimum or maximum rewards.

Earning rate at Target: 1% unlimited cash back on all purchases.

Why we like it: The Discover it is a rotating category card. You earn 5% cash back in rotating quarterly bonus categories (on the first $1,500 in purchases each quarter you activate, up to $75 back per quarter). These categories vary throughout the year, from gas stations to wholesale clubs, and have included Target in the past (but not in Q4 2026).

Discover will also match all the cash back you earn at the end of your first year. That effectively makes the card's 1% cash-back rate at Target 2% for new cardholders during their first year.

Since the card charges no annual fee, it can still be worth keeping for quarters when its bonus categories align with your spending.

For more details, check out our full review of the Discover it Cash Back.

Learn more: Discover it Cash Back

Chase Freedom Unlimited

Annual fee: $0

Welcome bonus: Earn $200 cash back after spending $500 on purchases within the first three months from account opening.

Earning rate at Target: 1.5% cash back

Why we like it: The Chase Freedom Unlimited is ideal for purchases that typically don't fall into the bonus categories offered by other cards, such as Target purchases, since it earns a flat 1.5% back on those.

You can maximize your earnings by pairing this card with a premium card like the Chase Sapphire Reserve® (see rates and fees) or Chase Sapphire Preferred® Card (see rates and fees). Based on TPG's October 2026 valuations, this combination allows you to earn an effective 3.1% return on your Target purchases.

For more details, check out our full review of the Freedom Unlimited.

Apply here: Chase Freedom Unlimited

Bottom line

The best card for Target depends on whether you value immediate savings or flexible rewards. The Target Circle Card offers the strongest straightforward discount on qualifying Target purchases, while cards like the Venture X, Venture Rewards and Freedom Unlimited can make more sense if you prefer rewards you can use beyond Target.

If you're a regular Target shopper, use one of the above cards to maximize your purchases. And, no matter what card you use, always click through your favorite shopping portal when you buy online and sign up for the Target Circle rewards program to stack your earnings.

Related: The best credit cards for online shopping

The Southwest® Rapid Rewards® Premier Business Credit Card (see rates and fees) is Southwest Airlines' entry-level business card, and I think it's a smart pick for small-business owners who fly the airline a few times a year. For a $149 annual fee, you get a free checked bag, priority boarding, preferred seat selection and a yearly points bonus that covers a good chunk of the fee on its own. Card rating*: ⭐⭐⭐½

*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

Southwest Premier Business: The basics

The Southwest Premier Business won't massively change how you travel, but it will make Southwest flights easier and cheaper.

For a $149 annual fee, you get a free checked bag, priority boarding and preferred seats (for you and up to eight people on the same reservation). You also get 6,000 bonus points every account anniversary, which effectively covers half the annual fee before you've done anything.

The card really earns its keep when you're spending with Southwest, earning 3 points per dollar spent. Gas stations and restaurants earn 2 points per dollar (on the first $8,000 in combined annual spending), which can be useful if those are a big part of your business expenses. Everything else earns just 1 point per dollar spent, so I'd use a different card for those purchases.

The biggest detail to keep in mind is that this is a cobranded card. The points are only useful for Southwest flights and can't be transferred to other airlines. If you're loyal to Southwest, that's not necessarily a problem. But if you like having the flexibility to shop around for flights, it's a real limitation.

Southwest Premier Business pros and cons

Southwest Premier Business benefits

Although the Southwest Premier Business doesn't get you into a lounge, its perks are the day-of-travel kind that add up quickly if you fly Southwest regularly.

Annual bonus points

Each account anniversary, Southwest automatically awards you 6,000 bonus points. Based on TPG's October 2026 valuations, they're worth $75, which covers half the annual fee before you've booked a single flight. I like this kind of benefit because you don't have to activate anything or hit a spending threshold to receive it.

Bag, boarding and seat perks

You get a free first checked bag for yourself and up to eight passengers on the same reservation. A standard first checked bag costs $45, so you and a companion flying round-trip would save $180. One trip like that and the annual fee is more than covered.

The card also gives you Group 5 priority boarding for you and up to eight travelers on the same reservation. If you have A-List status, you can board even earlier. And you can select preferred seats (when available) for you and up to eight passengers on the same reservation within 48 hours of departure.

Elite status and Companion Pass boosts

You earn 2,000 tier qualifying points for every $5,000 you spend on the card each year, and there's no cap on how many you can earn. That can help you reach A-List or A-List Preferred status faster.

Each year, the card also gives you a boost of 10,000 Companion Pass qualifying points (toward the 135,000-point threshold). Both the points from the welcome offer and regular spending on the card count toward earning a Companion Pass.

Flight and inflight discounts

Each anniversary year, you receive a promotional code for 15% off a flight bought with cash (excluding Basic fares). It's not a headline benefit, but it's worth using on a trip you were already planning.

You'll also receive 25% back on inflight drink and Wi-Fi purchases when using your card.

Other perks

• Free employee cards: There's no fee for additional employee cards, and you earn points on their spending. You can also set individual spending limits.
• No foreign transaction fees: This makes the card a workable option for business travel abroad.

Related: Is the Southwest Premier Business worth the annual fee?

How to earn and use your rewards

The Southwest Premier Business earns:

• 3 points per dollar spent on Southwest Airlines purchases (a 3.8% return based on TPG's valuations)
• 2 points per dollar spent at gas stations and restaurants (on the first $8,000 in combined purchases per year; a 2.5% return)
• 1 point per dollar spent on all other eligible purchases (a 1.3% return)

Outside of Southwest purchases and gas and dining, this isn't a card I'd reach for. For everyday business spending, I'd use a card like the Ink Business Preferred® Credit Card (see rates and fees) or the American Express® Business Gold Card, both of which earn more flexible rewards.

Related: How to choose the best credit card for your business expenses

The primary way to use Southwest Rapid Rewards points is to book Southwest-operated flights. Southwest's award pricing is tied to the cash price of the ticket, so the more expensive the flight, the more points it costs. You won't find outsize value here, but you get fairly consistent returns.

Booking is simple: Choose "Points" instead of "Dollars" when you search for flights on Southwest's website. Award tickets still require payment of taxes and fees (starting at $5.60 each way), but they're fully refundable, and there's no penalty for canceling as long as you do so at least 10 minutes before departure.

My most recent redemption was a round-trip, nonstop itinerary from Austin to Albuquerque, New Mexico. I redeemed 23,000 points (plus $11.20 in taxes and fees), giving me a solid value of 1.3 cents per point (compared to the $312 cash price).

TPG newsletter and partnerships editor Emily Thompson is a frequent Southwest flyer with multiple Southwest credit cards. She often tops up the points earned from her Premier Business by transferring additional points from her Chase Sapphire Preferred® Card (see rates and fees) for flights.

Southwest also offers hotels and car rentals on its travel portal, but the rates are subpar compared to using your points for Southwest-operated flights.

Related: How to redeem your points with the Southwest Rapid Rewards program

Downsides to consider about the Southwest Premier Business

The biggest limit is that the rewards you earn only work with Southwest. Rapid Rewards points don't transfer to other airlines, so if you'd rather book whichever carrier has the cheapest fare, points from a flexible card such as the Ink Business Preferred will serve you better.

The earning structure is also thin. Southwest purchases and gas and dining are the only bonus categories, and the $8,000 combined cap on gas and dining limits the upside. There are no statement credits either, so if you want a card that reimburses recurring business expenses, look elsewhere.

Southwest Premier Business vs. Southwest Performance Business

Both cards include a free first checked bag, Group 5 priority boarding, free employee cards, no foreign transaction fees and the 10,000-point annual Companion Pass boost.

The Southwest® Rapid Rewards® Performance Business Credit Card (see rates and fees) costs $150 more each year. You get 3,000 extra anniversary points (worth $38, per our valuations) and 1 extra point per dollar spent on Southwest purchases, direct hotel bookings and local transit.

By my math, once you count the anniversary bonus, you'd need about $9,000 of spending a year in those categories for the extra earnings to cover the rest of the fee. Free extra-legroom seats (at 48 hours before departure), preferred seats at booking and quicker elite qualifying benefits are what tip the scale for frequent Southwest flyers.

My rule of thumb: If you fly Southwest a handful of times a year, the Premier Business' lower annual fee is easier to justify. If you're on board often enough to use the extra perks and spend heavily in the bonus categories, the Performance Business can pay for itself.

Related: Southwest Performance vs. Premier Business: Which Rapid Rewards business credit card is right for you?

When to apply for the Southwest Premier Business

New Southwest Premier Business cardholders can earn 80,000 points after spending $3,000 on purchases in the first three months from account opening. That's worth $1,000 (according to our valuations).

This is one of the most lucrative welcome offers we've seen on this card in the past six years, and I recommend applying now.

Welcome bonuses from Southwest cards also count toward the Companion Pass. Once earned, the Companion Pass is valid for the remainder of the calendar year and the entire following year, so the earlier in the year you earn it, the more you get out of it.

Before you apply, check your eligibility. This card, like most Chase cobranded cards, is subject to Chase's 5/24 rule. There are also restrictions on how often you can earn a Southwest welcome bonus. If you've earned a welcome bonus on this card in the past 24 months, you may not be eligible.

Other cards to consider if you don't want the Southwest Premier Business

If you'd rather have flexible rewards or a simpler no-fee option, these are the cards I'd look at:

• If you want flexible rewards: The Ink Business Preferred earns Chase Ultimate Rewards points that you can transfer to Southwest or any of Chase's 13 other travel partners. To learn more, check out our full review of the Ink Business Preferred.
• If you want simple cash back: The Wells Fargo Signify Business Cash® Card (see rates and fees) earns a flat 2% cash rewards on purchases with no annual fee, which makes it a straightforward option for spending that doesn't earn bonus points elsewhere. To learn more, check out our full review of the Wells Fargo Signify Business Cash.
• If you live near a United Airlines hub: The United℠ Business Card (see rates and fees) has comparable perks for United for a $150 annual fee. To learn more, check out our full review of the United Business Card.

For additional options, see our picks for the best business and airline credit cards.

Bottom line

Apply for the Southwest Premier Business if you're a business owner who already flies Southwest and wants a low-fee card that pays you back in bags, boarding and bonus points. The perks are simple and easy to maximize, so the card keeps earning its annual fee back every year you keep flying the airline.

However, skip the card if you split your flying across airlines or want flexible points on all your business spending.

Apply here: Southwest Rapid Rewards Premier Business Credit Card

American Airlines is giving its AAdvantage program members a new way to spend their miles. Over the coming weeks, eligible members will be able to pay for select flights with a mix of cash and miles on aa.com and in the American app.

The move brings American in line with rivals including Delta Air Lines, United Airlines and Southwest Airlines, which already offer some form of cash and miles bookings. It could be handy if you have a small balance of American miles you can't otherwise use. But American hasn't said what each mile will be worth redeeming them in this new way, and the option wasn't live in our accounts when we tested it.

Here's what you need to know.

Related: Combination of points and cash: How I strategize my award redemptions

How cash and miles bookings work

Once the new option is live, eligible U.S. AAdvantage members will be able to book domestic cash flights on American, excluding flights to and from Alaska and Hawaii, and then choose how many AAdvantage miles they wish to redeem to reduce the cash cost of the flights.

Unlike searching for an award booking, you won't need to select the "Redeem miles" button when searching for a flight, and it won't depend on traditional award availability; instead, you can follow these steps:

1. Log in to your AAdvantage account and select your flights at the cash price
2. Accept or decline the optional trip insurance offer during checkout
3. Use the slider to choose the amount of AAdvantage miles you wish to redeem (the more miles you redeem, the more the cash required will drop)
4. Once you have a ratio of cash and miles you are comfortable with, enter your payment details for the remaining cash amount and complete your booking. The number of AAdvantage miles you selected will be deducted from your account

Should you use cash and miles?

American Airlines has not disclosed what redemption value members will receive from using the new option, other than saying that pricing may vary by destination, itinerary and flight, while available cash-and-miles combinations are determined by American and may also depend on the AAdvantage member's mileage balance.

American's example in the screenshot above doesn't show the fare before miles were applied, so we can't calculate the exact value. Based on similar options, such as using miles for Instant Upgrades, we'd expect around 1 cent per mile.

Cash and miles could make sense if you have a small AAdvantage balance. A few thousand miles usually won't cover a full award, let alone an aspirational redemption like business-class travel to Europe or Asia. Putting them toward a cash fare to save, say, $50, is better than leaving them sitting in your account if you don't think you'll ever use them.

However, you're unlikely to get close to TPG's October 2026 valuation of 1.45 cents per AAdvantage mile by using the new cash and miles option.

Also, keep in mind that only the cash portion is confirmed to earn miles and Loyalty Points. Applying more miles could mean earning less toward elite status.

If you have a healthy AAdvantage balance, a standard award booking will almost always stretch your miles further, particularly for premium cabin flights on American and its Oneworld partners.

If you're trying to build your AAdvantage balance, remember you can transfer Citi ThankYou Rewards points from many cards at a 1:1 rate.

Related: Why Citi's newest transfer partner has changed my credit card and points and miles strategies

Bottom line

This new cash and miles option gives AAdvantage members an easy way to redeem small amounts of miles toward their next flight booking. Until we can test it, though, treat it with caution.

If you're saving for a big trip, a standard award booking will likely remain the better use of your miles, since cash and miles may only get you 1 cent per AAdvantage mile.

Southwest Airlines was long known for policies such as no change fees and complimentary checked bags.

But the airline has changed significantly over the past couple of years, introducing assigned seating, checked bag fees and new fare types while expanding its international reach through a growing network of interline partners.

Southwest Rapid Rewards points remain straightforward to earn and redeem, though, and the program still offers one of the most valuable airline loyalty perks around: the awesome Southwest Companion Pass.

Here's what you need to know about earning, redeeming and maximizing Southwest Rapid Rewards points.

Southwest Rapid Rewards program overview

Like Southwest Airlines itself, the Rapid Rewards frequent flyer program has amassed a loyal following. Despite not having a standard award chart or being part of an airline alliance, Rapid Rewards' promise of no blackout dates and the ability to earn Southwest's famous Companion Pass make it an excellent choice for couples, families and those with not-so-flexible schedules.

Last year, Southwest adjusted award prices to make them more "variable," as opposed to tying the award price to the cash value. In our testing, we've found that depending on the date of and demand for your flight, you can get as little as 1.1 cents or as much as 1.7 cents per point in value.

TPG values Rapid Rewards points at 1.25 cents per point in our October 2026 valuations, meaning 10,000 points should give you around $125 in value.

Southwest Rapid Rewards points don't expire, so you don't need to maintain regular account activity to keep them. However, if you close your Rapid Rewards account, you'll lose any remaining points.

Southwest elite status

Southwest offers two elite status tiers: A-List and A-List Preferred.

Southwest A-List elite status

To qualify for A-List status, you must fly 20 qualifying one-way Southwest flights or earn 35,000 tier qualifying points in a calendar year.

For the 2026 qualification, tier qualifying points are earned primarily from qualifying revenue flights, eligible spending on select Southwest Rapid Rewards credit cards and eligible Getaways by Southwest bookings. Rapid Rewards partner points (other than tier qualifying points earned on eligible Southwest credit cards), transferred points, purchased points, enrollment points, reward flights, Companion Pass travel and most bonus points, including tier bonus points, flight bonus points and credit card welcome bonuses, don't count toward A-List or A-List Preferred qualification.

Members now earn tier qualifying points on the cash portion of flights booked using Southwest's Cash + Points option.

You can also earn:

• 2,500 tier qualifying points for every $5,000 spent annually on the Southwest Rapid Rewards® Priority Credit Card (see rates and fees) and the Southwest® Rapid Rewards® Performance Business Credit Card (see rates and fees)
• 2,000 tier qualifying points for every $5,000 spent annually on the Southwest® Rapid Rewards® Premier Business Credit Card (see rates and fees)
• 1,500 tier qualifying points for every $5,000 spent annually on the Southwest Rapid Rewards® Premier Credit Card.

The information for the Southwest Rapid Rewards Premier Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Purchased points, tier bonus points, flight bonus points, partner points, and points earned from Rapid Rewards program enrollment and credit card bonuses do not count toward A-List or A-List Preferred status.

With Southwest A-List status, you'll get the following:

• Complimentary preferred or standard seat at the time of booking; choose an extra-legroom seat within 48 hours of departure for no additional cost (if available)
• One free checked bag
• Group 1 boarding
• A 25% bonus on points earned from paid flights
• Free same-day standby, even on Basic fares (taxes and fees may apply)
• Priority check-in and security lane access
• Access to a dedicated A-List member phone line

Southwest A-List Preferred elite status

A-List Preferred status requires you to fly 40 qualifying one-way Southwest flights or earn 70,000 tier qualifying points in a calendar year. You'll receive all the benefits of A-List status, as well as:

• Complimentary seat selection at the time of booking, including extra-legroom seats
• Two free checked bags
• Dedicated boarding before Group 1
• A 100% bonus on points earned from paid flights
• Two free premium drinks on select flights over 250 miles

Related: Southwest A-List status: What it is and how to earn it

How to earn Southwest Rapid Rewards points

There are a few ways to earn Southwest Rapid Rewards points — and some don't even require flying.

Earn points by flying

You can earn Rapid Rewards points every time you fly on a paid Southwest Airlines flight. The number of points you'll earn depends on the cost of your flight, your elite status, the type of ticket and your payment method.

Under Southwest's current fare structure, Basic fares earn 2 points per dollar spent on the base fare; Choice fares earn 6 points per dollar; Choice Preferred fares earn 10 points per dollar; and Choice Extra fares earn 14 points per dollar. A-List members receive a 25% bonus on qualifying flight earnings, while A-List Preferred members receive a 100% bonus.

You can also earn Rapid Rewards points on Southwest-operated flights booked through Icelandair, Southwest's first international airline partner, as long as you add your Rapid Rewards number to the booking. These points count toward A-List and Companion Pass qualification. Southwest's other interline partnerships, including EVA Air, don't currently let you earn or redeem Rapid Rewards points.

Earn points with Southwest credit cards

Southwest Airlines has several cobranded credit cards issued by Chase.

• Southwest Rapid Rewards® Plus Credit Card (see rates and fees): Earn 50,000 bonus points after spending $1,000 on purchases in the first three months from account opening.
• Southwest Rapid Rewards Premier Credit Card: Earn 55,000 bonus points after spending $1,500 on purchases in the first three months from account opening.
• Southwest Rapid Rewards Priority Credit Card: Earn 60,000 bonus points after spending $2,000 on purchases in the first three months from account opening.

The information for the Southwest Rapid Rewards Premier Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Southwest also offers the following business cards:

• Southwest Rapid Rewards Premier Business Credit Card: Earn 80,000 bonus points after spending $3,000 on purchases in the first three months from account opening.
• Southwest Rapid Rewards Performance Business Credit Card: Earn 80,000 bonus points after spending $5,000 on purchases in the first three months from account opening.

Additionally, you can transfer Chase Ultimate Rewards points and Bilt Points to Southwest Rapid Rewards at a 1:1 ratio.

Other ways to earn Rapid Rewards points include via Rapid Rewards Dining and Rapid Rewards Shopping purchases, booking stays through Southwest Hotels and making purchases with other partners.

Check out our overall guide on the different ways you can earn Southwest Rapid Rewards points to learn more.

Related: How to transfer Chase Ultimate Rewards points to Southwest Rapid Rewards

Buy Rapid Rewards points

You can also purchase Rapid Rewards points directly from Southwest if you need to top off your account for an award. The minimum purchase is 2,000 points, and Southwest currently allows you to buy up to 60,000 points per day for yourself or as a gift. Points usually cost 3 cents each, though the program runs promotions from time to time to reduce this price.

Purchased points don't count toward A-List, A-List Preferred or Companion Pass qualification.

How to redeem Southwest Rapid Rewards points

There are several ways to redeem your points, but you'll almost always get the most value if you use them for travel on Southwest flights. Other redemption options, like gift cards and merchandise, yield much less value.

The process for redeeming Rapid Rewards points for flights is largely the same as booking a paid flight. Head to the Southwest homepage, enter your search criteria and select the "Points" option. Click the yellow search button to see your flight options.

You'll see award pricing to the right of each available flight. You can filter flights by the number of layovers and departure times using the buttons at the top of the page. Then, click the ticket price for your desired flight and follow the onscreen prompts to book.

Which fare type should I choose?

You can redeem points for flights in any of the four Southwest fare types. The least-expensive option, Basic, is a good value for many travelers, though it's restrictive, and standard seats are generally assigned at check-in unless your elite status or an eligible Southwest credit card provides earlier seat selection. Cash Basic fares are nonrefundable outside Southwest's 24-hour cancellation policy, so canceling one gets you a flight credit rather than a refund. Flight changes require you to upgrade to Choice, Choice Preferred or Choice Extra first.

Choice fares are slightly more flexible, with free same-day confirmed changes and standby. Additionally, if you need to cancel your flight, flight credits can be transferred to another person. But the real benefit is that you'll be able to pick a standard seat when booking your flight.

Choice Preferred fares have the same benefits as Choice fares but with the added bonus of preferred seats, early boarding and expedited security at select airports. And, if an extra-legroom seat is available 48 hours prior to departure, you're able to pick that seat without paying a premium. Additionally, these fares are fully refundable.

Extra-legroom seats are not complimentary with Choice Preferred fares. They can be purchased, if available, unless you have a separate benefit, such as an eligible elite status or Southwest credit card, that provides complimentary access.

Choice Extra fares are the most expensive, offering two main added benefits: complimentary extra-legroom seats at the time of booking and two free checked bags. You'll also receive a free alcoholic drink on board (on select flights over 250 miles).

Flight credits now expire based on your fare class. Basic fare credits will expire within six months (and are nontransferable and nonextendable), while Choice fare credits will expire within 12 months.

Southwest cardholders get their first checked bag free on each of the airline's cards. This benefit applies to the primary cardholder and up to eight travelers flying on the same reservation, though it doesn't apply to flights booked with a partner airline. All cardholders can also select a seat in some capacity, even if they're flying on a Basic fare.

Can I change Southwest award tickets for free?

You can cancel Southwest award tickets for free.

Choice, Choice Preferred and Choice Extra fares can also be changed without a change fee. If your new award costs more, you'll pay the difference in points. If it costs less, Southwest will return the points difference to your account.

Basic fares are an exception: To change a Basic booking, you must first upgrade the fare to Choice, Choice Preferred or Choice Extra. Alternatively, you can cancel the Basic award and rebook, subject to Southwest's cancellation and no-show rules.

Do I have to pay taxes and fees on award tickets?

You must pay certain taxes and fees when booking Southwest award tickets, starting at $5.60 one-way. If you cancel your award flight, the fee will be refunded to your payment method.

For more details, check out our guide on how to redeem your Southwest points.

How can I get the most value from my Rapid Rewards points?

Because Southwest's award prices vary, flexibility can help you reduce the number of points needed for a flight. One useful starting point is Southwest's Low Fare Calendar, which displays the lowest available fare for each day across a month. If your dates are flexible, compare nearby travel days before booking.

After booking, keep checking the award price. For Choice, Choice Preferred and Choice Extra fares, if the price falls, you can change to the lower-priced fare and have the difference in points returned to your Rapid Rewards account. Basic award fares can't simply be changed, but you can cancel and rebook if the fare rules allow.

Finally, the Companion Pass (described below) can be the biggest way to stretch your Rapid Rewards points.

Maximize your points with the Southwest Companion Pass

The Southwest Companion Pass is undoubtedly one of the most valuable perks of the Rapid Rewards program. After earning the pass, you can choose a companion to travel with you for just the cost of taxes and fees on any Southwest flight you book. You can use the Companion Pass on as many flights as you'd like, effectively doubling the value of your Rapid Rewards points.

You can earn a Companion Pass by flying 100 one-way flight segments with Southwest or earning 135,000 qualifying points in a calendar year. Qualifying points include Rapid Rewards points earned from flying, credit card welcome bonuses, spending on Southwest credit cards and the Southwest debit card, and base points earned from Rapid Rewards partners, including hotel and car rental partners, and purchases made via Rapid Rewards Dining and/or Rapid Rewards Shopping. Bonus points from partners don't count.

Related: I've earned the Southwest Companion Pass for over a decade — here's how I maximize its value

Unfortunately, point transfers from Chase Ultimate Rewards and Bilt do not count toward the Companion Pass.

Before adding your companion to a reservation, you must book your own Southwest flight. The Companion Pass can't be used with Getaways by Southwest vacation packages.

You can only designate one companion at a time, but you can change your companion three times per year. You can change your companion through your Southwest account, but you'll need to cancel any existing reservations that include your current companion first. According to the airline, allow up to 48 hours for the change to take effect, but in our experience, it happens immediately. Remember that your companion will not earn Rapid Rewards points on their flight, but you will still earn points if you fly on a paid ticket.

Your Companion Pass will be valid for the remainder of the year in which it's earned and the entirety of the following year (unless you earn the pass through a special promotion).

Related: How to earn and use the Southwest Companion Pass

Bottom line

Southwest Rapid Rewards points are easy to earn and redeem, and the incredibly valuable Companion Pass sets Southwest apart from other airlines. Don't miss your fast track to a Companion Pass with the right cobranded credit card.

However, with checked bag fees, assigned seating, four fare bundles and more variable award pricing, understanding the rules of your fare is more important than it once was. Flexible travelers can still stretch their points by using the Low Fare Calendar, comparing departure times and checking prices again after booking.

Whether you're stocking up on household staples, grabbing some deals or just tackling your early holiday shopping during Amazon Big Deal Days, there are many ways to save on Amazon orders.

And if you have an American Express card that earns American Express Membership Rewards points, you may be eligible for a new offer that can help you save up to 50% on Amazon purchases.

Typically, using Membership Rewards points for Amazon purchases isn't a great option, as the value per point is below that of most travel redemptions. However, right now, you can save as much as 50% on an Amazon purchase by cashing in as few as 429 Membership Rewards points with some current targeted offers.

Related: Amazon, Target and Walmart all have big October sales, but which one is the best?

Some TPG staffers received offers as high as 50%, which is one of the highest we've ever seen.

Others had smaller offers of 15% off (or none at all).

The requirement to spend at least 429 Membership Rewards points is better than the last time we saw this deal in July, which required 1,429 Membership Rewards points. Back in November 2025, the requirement was 714 points, but previously it had been 1 point.

To get in on this offer of saving up to 50% on an Amazon purchase when redeeming as few as 429 Membership Rewards points, you'll need a card that earns Membership Rewards points, such as the American Express Platinum Card®, the American Express® Gold Card or the American Express® Classic Green Card (no longer accepting applications).

The information for the American Express Classic Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Offers available when using Membership Rewards points to pay for Amazon purchases

Not all Amex cardholders will be targeted with the same Amazon offers, so check your account. For example, at the time of publication, some saw offers to save 15% (up to $15) — but, as I mentioned, a few of us saw an offer for savings of 50% (up to $50).

Remember that these are targeted offers, so they will vary. Hopefully, you are targeted for the larger offers.

It used to be that only products sold by Amazon were eligible for the discount, but now, the terms indicate that it has expanded beyond items shipped and sold by Amazon to include "a wide selection of eligible products." The trade-off may be that the offer used to trigger a discount on third-party gift cards, but that option no longer seems to be working for us.

How to save up to 50% by redeeming Amex points

Here are the steps you should take in order to turn Amex Membership Rewards points into serious Amazon savings:

• Link your eligible Amex card to your Amazon account. You can do this through the Amex app or the Amazon website.
• Check whether you have a targeted offer.
• Activate the offer in your Amazon account.
• Load your shopping cart with eligible items.
• We do not recommend paying for the entire purchase with points, as it may not be the best use of your Membership Rewards points. Instead, use as few points at checkout as possible for your specific offer (as shown below). You'll need to use an American Express card that earns Membership Rewards points as your payment method.

Assuming everything works, you should see the offer reflected during checkout. You'll need to cover the rest of your transaction with an Amex card, though you can also apply an Amazon gift card balance if there's one attached to your account.

Other offers may be available

You might find similar offers with other rewards programs from time to time. For example, we've previously seen offers for 40% off (up to $20 back) when using Discover rewards on select Amazon purchases.

Additional past offers allowed targeted customers to use 1 Citi ThankYou Rewards point for up to 50% off, 1 Capital One mile for up to $20 off and 100 Chase Ultimate Rewards points for up to 50% off.

Additionally, some TPG staffers have stackable offers to earn bonus Amex Membership Rewards points on Amazon purchases via registering for an Amex Offer on the American Express page, such as this one for 1,200 bonus Membership Rewards points with $150 spent at Amazon on a registered and eligible card.

You can also sometimes find targeted offers on Amazon product pages underneath the item's price, so keep your eyes peeled when browsing.

Related reading:

• The best credit cards for Amazon purchases
• The ultimate guide to saving money with Amex Offers
• 11 credit cards that can get you $1,500 or more in first-year value

The IHG One Rewards Premier Credit Card (see rates and fees) offers many perks for travelers who stay at IHG properties periodically.

The card was recently refreshed alongside the launch of a new premium IHG card. Now the card offers a more valuable anniversary free night certificate, annual elite night credits and some other new perks alongside a higher annual fee and a lower tier of automatic elite status.

This review considers the IHG Premier benefits available to new applicants, which may differ from those available to existing cardholders. Now, let's look at whether the refreshed IHG Premier is a good choice for you. Card rating*: ⭐⭐⭐½

*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

IHG One Rewards Premier: The basics

The IHG One Rewards Premier is a mid-tier hotel credit card with a $150 annual fee. The Chase-issued card earns IHG One Rewards points, with its primary bonus categories being for purchases involving IHG stays, grocery stores, gas stations, dining at restaurants (including takeout and eligible delivery services), and select travel.

One perk alone — the anniversary free night, valid for a night costing up to 50,000 points — can provide enough value for you to justify paying the IHG Premier's annual fee each year.

You'll also get automatic IHG Gold Elite status, quarterly food and beverage reward vouchers, 15 elite night credits per year and an annual airline statement credit after spending at least $250 on flights booked directly with the airline in a calendar year. Plus, you'll enjoy a free fourth night when redeeming points for stays of four nights or more.

IHG One Rewards Premier pros and cons

IHG One Rewards Premier benefits

The IHG One Rewards Premier carries a $150 annual fee. However, the card's actual value hinges on whether you'll use the benefits frequently enough to justify that annual fee. Here's an overview of the card's main perks.

Anniversary free night

Cardholders receive an anniversary free night certificate each year that's valid for a one-night hotel stay at a property costing up to 50,000 points.

Although IHG uses dynamic award pricing, finding an appealing redemption option for your certificate isn't difficult. For example, I've redeemed up to 40,000-point anniversary free-night certificates for stays at the Kimpton De Witt in the Netherlands, InterContinental Athenaeum Athens in Greece and the Kimpton Margot Sydney in Australia.

Note that you can use an unlimited number of points to top off this certificate and use it for higher-priced properties. For example, you can book a room priced at 55,000 points using the free night plus 5,000 points from your IHG account.

IHG food and beverage reward vouchers

Cardholders get up to $100 in annual IHG food and beverage reward vouchers, distributed quarterly as $25 vouchers, to use against eligible food and beverages charged to their room bill during stays at participating IHG properties.

Each $25 voucher expires at the end of the quarter in which it was issued and can only be redeemed once, so any unused value is forfeited.

Elite status and elite night credits

You'll get automatic Gold Elite status as an IHG Premier cardholder. The primary perks of Gold Elite status include 40% bonus earnings on stays and Hertz Five Star status.

You'll secure Platinum Elite status through the end of the next calendar year if you spend $15,000 on your card in a calendar year. And you'll get Diamond Elite status through the end of the next calendar year if you spend $40,000 on your card in a calendar year.

You'll get 15 elite night credits within six to eight weeks of opening the IHG Premier card, and by Feb. 1 of each subsequent calendar year you have the card. Plus, you'll earn two elite night credits for every $5,000 that you spend on purchases and five additional elite night credits after spending $15,000 on your card in a calendar year.

These elite night credits can help you earn higher IHG elite status tiers and IHG milestone rewards.

Fourth night free

Each time you redeem points for a stay of four nights or longer, you'll pay zero points for every fourth night. If you can find four nights of consecutive award space at a property you like, this can be a great way to stretch your points even further.

Of course, the value of this perk depends on how frequently you redeem IHG points for stays of at least four nights.

Other benefits

• Airline statement credit: You'll get a one-time statement credit of $100 each calendar year when you use your card to make a purchase of at least $250 for flight tickets booked directly with an airline. This benefit is only available through Dec. 31, 2027.
• 15,000 bonus points after spending $15,000: Each calendar year in which you spend $15,000 in purchases with your card
• At least 30% off when buying IHG points: You'll save at least 30% on your purchase of IHG points when you pay with your IHG Premier card. However, this discount doesn't stack with other discounts when IHG puts points on sale.
• No foreign transaction fees
• Application fee credit for Global Entry, TSA PreCheck or Nexus: You can get reimbursed up to $120 every four years when you charge a Global Entry, TSA PreCheck or Nexus application fee to your card.
• United TravelBank cash: You can get up to $50 in United TravelBank cash per calendar year after linking your IHG Premier card with your United MileagePlus account.
• Instacart perks: You can get three months of complimentary Instacart+ membership when you activate your membership for the first time with your card by Dec. 31, 2027. Plus, you can get $10 in Instacart credits monthly while you have an active Instacart+ membership.
• DoorDash benefits: You can get 12 months of complimentary DashPass when you activate your membership for the first time with your card by Dec. 31, 2027. As an active DashPass member, you'll get a $10 off discount each calendar month at checkout on one qualifying non-restaurant order through DoorDash.
• Trip cancellation/interruption insurance

How to earn and use your rewards

You'll earn IHG points with the IHG One Rewards Premier. Here's what you should know about earning and redeeming these points.

Earning points on the IHG Premier

When you make purchases with your IHG Premier card, you'll earn as follows:

• 10 points per dollar spent on qualifying purchases made at hotels participating in IHG One Rewards
• 5 points per dollar spent on purchases at grocery stores, gas stations and restaurants (including takeout and eligible delivery services), plus on all other travel through Dec. 31, 2026 (starting Jan. 1, 2027, flights booked directly with airlines and car rentals are the only travel purchases that will earn 5 points per dollar spent).
• 3 points per dollar spent on all other eligible purchases

These rates are decent. But depending on the other cards in your wallet and how much value you usually get when redeeming IHG points, you may not find yourself using your card for many purchases.

When you combine the 10 points per dollar spent by using your card with the points you'll earn as an IHG Gold Elite member, you'll earn 24 points per dollar spent on most IHG stays. However, note that you'll earn at a lower rate on stays at Candlewood Suites, Staybridge Suites, IHG Army Hotels and IHG Residence properties.

Redeeming points that you earn with the IHG Premier

The best way to redeem the points that you earn with your IHG Premier is for stays at IHG One Rewards properties. IHG doesn't have an award chart, as it uses dynamic award pricing. So, award prices will vary depending on the property you book, when you stay and when you book.

TPG's October 2026 valuations peg the value of IHG points at 0.6 cents each. So, you'll generally want to get at least this value when redeeming your IHG points.

But, as an IHG Premier cardholder who gets access to the fourth night free benefit on award stays, the best way to maximize your points is to use them on stays of four nights or more. I've recently gotten 1.11 cents per point when redeeming for a four-night stay in Toronto, Ontario. And I'm getting 1.05 cents per point for a four-night stay in Amsterdam during the annual Amsterdam Dance Event.

IHG also lets you redeem more points for elevated room types at some properties. However, note that the difference in award rates may be more than the difference in paid rates. For this example refundable rate stay, a king standard room costs 25,000 points or $589, while a king ocean view costs 45,000 points or $679.

You can also redeem points to book stays with points and cash. For example, you could redeem 30,000 points per night, pay $191 per night or select from a points and cash rate if you wanted to book a flexible rate for this stay.

You're effectively buying points with the cash part of a points and cash booking. So, if you cancel a points and cash booking during the flexible cancellation window, you'll get the entire cost (including the part you booked with cash) back in points.

Related: How to maximize award redemptions with the IHG One Rewards program

Downsides to consider about the IHG One Rewards Premier

The primary downsides of the IHG One Rewards Premier are that it offers only Gold Elite status, that its annual $100 airline statement credit is available only in 2026 and 2027 and that its earning rates aren't all that compelling compared to other rewards cards. I have the IHG Premier card, and I rarely use it for purchases because another card in my wallet always provides a better return.

IHG Premier vs. IHG Premier Select

If you want bigger benefits, the new IHG One Rewards Premier Select Credit Card (see rates and fees) offers a larger food and beverage reward voucher each quarter, a more valuable anniversary free night certificate, a bigger annual airline credit, more elite night credits, higher IHG elite status and a quicker path to earn IHG Diamond Elite status through card spending.

The downside is a higher $350 annual fee.

Is the IHG One Rewards Premier worth it?

The IHG One Rewards Premier is worth it if you'll redeem its anniversary free night each year for a night that would otherwise cost you at least $150.

Considering the anniversary free night award is valid for a night costing up to 50,000 points — which TPG's October 2026 valuations peg at $300 — it should be easy to find a way to use the anniversary night that fits into your travel plans and provides enough value to justify the IHG Premier's $150 annual fee.

Then, benefits like the $25 quarterly food and beverage rewards and fourth-night-free perk simply add to the card's value without needing to justify the annual fee on their own.

When to apply for the IHG One Rewards Premier

The IHG One Rewards Premier is currently offering a welcome offer of 180,000 points when you make $3,000 in purchases during the first three months from account opening. Based on TPG's October 2026 valuations, these points are worth $1,080.

This is a good welcome offer for this card, since our general advice is that any offer of more than 140,000 points on this card is good.

New cardholders can also earn 10,000 additional points when they add an authorized user within the first three months.

The card's offer terms note that the IHG Premier isn't available to current cardmembers of any personal IHG card and previous cardmembers of any personal IHG card who received a welcome offer within the last 24 months. You'll also need to be eligible under Chase's 5/24 rule before you apply.

Related: Best time to apply for IHG Chase cards based on offer history

Other cards to consider if you don't want the IHG One Rewards Premier

If you're considering the IHG One Rewards Premier, here are some other cards that might be a better fit.

• If you want IHG perks for no annual fee: The IHG One Rewards Credit Card (see rates and fees) offers benefits like automatic Silver Elite status and five elite night credits per year. To learn more, read our full review of the IHG One Rewards.
• If you prefer more flexible rewards: The Chase Sapphire Preferred® Card (see rates and fees) has a $95 annual fee and allows for 1:1 points transfers from Chase Ultimate Rewards to IHG One Rewards. To learn more, read our full review of the Chase Sapphire Preferred.
• If you want an IHG business card: The IHG One Rewards Business Credit Card (see rates and fees) has a $200 annual fee and offers many of the same benefits as the IHG Premier. But the IHG Business card also offers Platinum Elite status and an up to $100 annual statement credit toward Expensify purchases. To learn more, read our full review of the IHG One Rewards Business.

For additional options, check out our full lists of the best hotel credit cards and the best cards for IHG stays.

Bottom line

The IHG One Rewards Premier is a clear winner for travelers who can reliably use the 50,000-point anniversary night and value a head start toward IHG status and milestone rewards.

However, if you rarely book IHG stays or want more flexible rewards, you'll likely be better off with a general travel rewards card. Likewise, if you frequently stay at IHG properties, the new IHG Premier Select card might be a better option.

Apply here: IHG One Rewards Premier Card

"This is a Park Hyatt," Sam Kirby, the general manager of the highly anticipated Park Hyatt Riviera Maya, told TPG in a recent sit-down interview. "First and foremost, it's a Park Hyatt — it just happens to have an all-inclusive lens over the top."

Yes, you read that right: Park Hyatt is opening its first-ever all-inclusive property this year, set on the south side of Cancun. Now taking reservations for stays from early December on, the luxury-focused resort will feature 148 rooms and suites (each with an ocean view, outdoor space and "resort ambassador" to attend to any need or want), plus a slew of restaurants and bars, the Velara Spa, pools, programming and more.

It has the makings of any new luxury resort, but people keep asking: How do you take a brand as synonymous with luxury as Park Hyatt and make it all-inclusive?

"Everything you know about Park Hyatt remains to be true here," Kirby said when asked the burning question. "It's just the fact that you pay a higher room rate, but everything's included." It's the same Park Hyatt you've always known, but you can leave your wallet locked away in the safe.

"We're not planning on changing the quality. We're not planning on changing the service. The brand standard will be the same."

What does an all-inclusive Park Hyatt look like?

But how do you bring that brand standard to a growing hospitality segment that's long been associated with abundance over quality? (Think: massive buffets, minibars stocked with a hodgepodge of drinks and snacks, and cookie-cutter entertainment that plays on a rotating weekly schedule.)

Park Hyatt Riviera Maya plans to flip the concept on its head: Rather than giving every guest the same everything, everything is included, but the experience is individualized. In fact, it'll start long before arrival when the team works with guests to figure out what they actually want to experience on vacation, and what they actually want and need during a stay.

"If you drink Coke, you probably don't drink Diet Coke. So why are we loading everyone's minibars with the same things?" Kirby said, adding that personalizing details as much as possible for guests is an approach designed to "make them feel recognized." And in today's luxury hospitality market (especially for hotels with major loyalty programs), recognition is everything.

Beyond personalization, even the resort's base-level offerings are designed to exceed typical all-inclusive standards and uphold the Park Hyatt name.

"The food and beverage has to be spot on," Kirby explained, pointing to a top-shelf selection of included spirits, a robust list of wines from around the world and an executive chef with experience in Michelin-starred kitchens. Dining will also be a la carte, with premium upgrades available for guests who want particularly rare wines, spirits or ingredients (such as an ultra-premium steak).

Taking the friction out of luxury

What really sets the Park Hyatt Riviera Maya apart might be less about what's included and more about what's taken away: the friction that can come with staying at a traditional luxury resort. At this property, you won't have to worry about how quickly your $28 margaritas are adding up, or deal with checks after every meal. You'll be guaranteed a room with an ocean view — and you can even get laundry done without an extra fee.

"People have so many decisions to make all the time," Kirby said, adding that the Park Hyatt's goal is to create a place of "mental freedom" for guests. "It doesn't matter what you choose. You don't have to worry about it."

In that sense, Park Hyatt isn't necessarily trying to make an all-inclusive resort feel like a Park Hyatt. It's taking the Park Hyatt experience and stripping away some of the transactional elements that can get in the way of actually enjoying it.

"You walk in the door, now it's up to us," Kirby said.

All-inclusive meets true luxury

Park Hyatt isn't the only major luxury brand playing in the all-inclusive space. Marriott previously introduced The Luxury Collection into the segment, and last year opened the world's first W-branded all-inclusive resort. JW Marriott is also entering the space with its first all-inclusive resort, found in Costa Rica's popular Guanacaste region.

On Oct. 1, Hilton unexpectedly announced that the Waldorf Astoria Riviera Maya and the Conrad Tulum Riviera Maya would shift into all-inclusive resorts effective immediately, marking Hilton's foray into the luxury-branded all-inclusive space.

For Kirby, the rush of luxury brands into the space reflects a much bigger shift in what "all-inclusive" means in the first place.

"I think the market's realizing that all-inclusive is not the same as it was or isn't as limited as it was," Kirby said. "All-inclusive [is] covering the market in the same way that the [traditional] hotels have done for a long time, from budget to luxury."

In other words, the days of "all-inclusive" automatically signaling a certain type — or caliber — of resort are quickly disappearing. The segment increasingly offers something for every kind of traveler, including those willing to spend big for the highest levels of luxury.

And if Park Hyatt can deliver on that promise, those travelers won't have to sacrifice luxury for the ease of an all-inclusive vacation. Now the question is: which brand is next?

Related reading:

• 25 best all-inclusive resorts in the world
• First look: Inside the Park Hyatt Cabo Del Sol, the beloved brand's debut in Mexico
• World of Hyatt Credit Card review: My favorite mid-tier hotel card