Chase

Chase Ink Cash & Chase Ink Preferred — Which Is Better?

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Chase has recently switched up their business card portfolio, and right now they have two primary business credit cards — the Ink Business Preferred℠ Credit Card and Ink Business Cash℠ Credit Card.

The cards are both fantastic, though are quite different in terms of benefits, return on spend, etc. Therefore in this post I figured I’d do a side-by-side comparison of the two cards.

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The 7 Best Hotel Perks Offered By Credit Cards

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There are many reasons to pick up a credit card — some are worth picking up for the sign-up bonus, some are worth picking up for the return they offer on everyday spend, and some are worth picking up for the long-term perks they offer.

While there are all kinds of perks offered on cards, in this post I figured I’d look at the best hotel perks you can get with credit cards. Here are my favorites, roughly in order:

The Citi Prestige® Card has my single favorite perk offered by any credit card. While a lot of credit cards offer some type of “free night” hotel benefit, there are usually major strings attached. Citi Prestige’s fourth night free benefit is the most straightforward out there. To sum up the basics:

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Comparing Credit Card Priority Pass Benefits

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Nowadays there are several premium cards that get you access to Priority Pass lounges. I remember going back a few years, the only card I had that would get me Priority Pass access was The Platinum Card® from American Express. Nowadays I have so many Priority Pass cards in my wallet that I forget which is which (and that can be a problem sometimes).

Anyway, for those of you not familiar with Priority Pass, it’s the world’s largest independent network of airport lounges, with over 1,000 lounges around the world. Even though I often have lounge access through my elite status or through the type of ticket I’m booking, I still use Priority Pass lounges all the time:

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How Long Is The IHG Annual Free Night Certificate Valid For?

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A couple of days ago I wrote about the IHG® Rewards Club Select Credit Card, which I consider to be a “no brainer” for a vast majority of consumers. The card has just a $49 annual fee (which is waived the first year), and offers three huge perks:

— You get an anniversary free night certificate every year, which is valid at any IHG property worldwide, pending availability; given IHG’s global footprint, that should justify the card for just about anyone
— You get IHG Rewards Club Platinum status for as long as you have the card, which gets you bonus points, room upgrades, etc.
— You get a 10% rebate on points redemptions, for up to 100,000 points back each year

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Is The Chase Sapphire Preferred Or Reserve Better For You?

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For the past several months, one of the hottest new cards on the market has been the Chase Sapphire Reserve℠ Card. The card has offered a sign-up bonus of 100,000 Ultimate Rewards points upon completing minimum spend, and in many ways has overshadowed the Chase Sapphire Preferred® Card, which I consider to be the all around best mid-range credit card in the market.

The online increased sign-up bonus on the Sapphire Reserve has finally been changed, so I figured I’d take a look at which card is better in light of that.

The Sapphire Preferred is offering a sign-up bonus of 50,000 Ultimate Rewards points after spending $4,000 within three months, plus an additional 5,000 Ultimate Rewards points when you add an authorized user to the card that makes a purchase within three months.

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50,000 Point Sign-Up Bonus On The Southwest Plus Card

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There’s presently an increased bonus of 50,000 Rapid Rewards points after spending $2,000 within three months on the Southwest Rapid Rewards® Plus Credit Card. While we often see increased bonuses on the Premier Card, seeing an increased bonus on the Plus Card is rarer.

The card has a $69 annual fee, which is lower than the $99 annual fee on the Premier Card.

There are a few reasons to consider this sign-up bonus:

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The Chase Sapphire Reserve 100K Sign-Up Bonus Is Ending Soon

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The hottest credit card bonus we’ve seen over the past few months (and arguably ever) has been on the new Chase Sapphire Reserve. The card has been offering a bonus of 100,000 Ultimate Rewards points after spending $4,000 within three months.

Not only does the $450 annual fee card have a great sign-up bonus, but it also has a lot of long term perks that make the card worth holding onto, in my opinion. The card offers triple points on dining and travel, a $300 annual travel credit, a Priority Pass membership, the ability to redeem all your Ultimate Rewards points for 1.5 cents each, and much more.

Given the ability to redeem Ultimate Rewards points earned on the card at 1.5 cents each towards the cost of travel, that means the 100,000 points can be redeemed for $1,500 worth of travel. However, you can arguably get even more value out of those points by transferring them to one of the excellent Ultimate Rewards transfer partners, like Hyatt Gold Passport, Korean Air SkyPass, etc.

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Reminder: You Can Now Earn 5x Points On Uber & Lyft

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The Chase Freedom is one of my favorite no annual fee credit cards, as it offers 5x points in rotating quarterly categories, for up to $1,500 of spend per quarter. Most people use this as a cashback card, meaning the 5x points really translates into 5% cashback in these categories.

The best part is that in conjunction with the Chase Sapphire Preferred® Card or Ink Business Preferred℠ Credit Card, points earned on this card can be converted into “premium” Ultimate Rewards points, and be transferred to the Ultimate Rewards airline and hotel partners. Since I value one Ultimate Rewards point at significantly more than one cent, that’s my preferred use of those points.

Now that it’s 2017, the first 5x points category for the Chase Freedom is active, and it includes gas stations and local commuter transportation.

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10 Best Credit Card Offers For December

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Every month I make a post with what I consider to be the best credit card sign-up bonuses of the month.

While there are several excellent long standing credit card offers, the specifics of the best offers are constantly changing (be it the annual fee, minimum spend requirement, or even amount of the sign-up bonus).

If you read my blog on a daily basis then by all means skip this post, but for me it’s a useful, “current” place to refer people who ask about which cards they should sign-up for, a question I get on a daily basis.

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The Card With The Most Generous Authorized User Priority Pass Benefit

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Nowadays there are quite a few premium credit cards that offer a Priority Pass membership to cardmembers. At some point that’s almost a problem, as I have more Priority Pass cards than I know what to do with. 😉

For those of you not familiar with Priority Pass, it’s the world’s largest independent network of airline lounges, with over 1,000 lounges around the world.

Many credit cards offer a Priority Pass membership, though the terms associated with the membership can vary. For example, some cards only give a Priority Pass membership to the primary cardmember, while others also give it to authorized users on the card. However, many cards have additional fees for authorized users, which negates the value of that.

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Here Are 5 Of My Favorite Perks Offered By Any Credit Card

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There are a lot of reasons to pick up a credit card — some are worth getting for the sign-up bonus, some for the return they offer on spend, and some for the long term perks they offer for cardmembers.

There are a lot of cards that offer big sign-up bonuses and a generous return on everyday spend, but in this post I figured it would be fun to look at some of the credit cards that offer the best long term perks.

I’m not including spend bonus categories here, and am also not including travel credits (like the $200 offered on The Enhanced Business Platinum® Card from American Express OPEN), because in many ways I view that as offsetting the annual fee, rather than being an actual “perk” of the card.

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Register Now: Earn 5x Points At Gas Stations & On Local Commuter Transportation

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The Chase Freedom is one of my favorite no annual fee credit cards, as it offers 5x points in rotating quarterly categories, for up to $1,500 of spend per quarter. Most people use this as a cashback card, meaning the 5x points really translates into 5% cashback in these categories.

The best part is that in conjunction with the Chase Sapphire Preferred® Card or Ink Business Preferred℠ Credit Card, points earned on this card can be converted into “premium” Ultimate Rewards points, and be transferred to the Ultimate Rewards airline and hotel partners. Since I value one Ultimate Rewards point at significantly more than one cent, that’s my preferred use of those points.

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Comparing Two Great Business Cards: Which Is Best?

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We’re seeing a lot of compelling business card sign-up offers at the moment, so I’ve been comparing some of them in recent posts. A couple of days ago I wrote a post comparing two of Amex’s premium business cards, and today I’d like to compare Amex’s mid-range offering with Chase’s mid-range offering. Specifically, I’m talking about The Business Gold Rewards Card from American Express OPEN and the Ink Business Preferred℠ Credit Card.

Given that both cards have different strong points, I figured I’d compare the sign-up bonuses, annual fees, return on spend, benefits, and approval odds:

The Amex Business Gold Rewards Card is offering a sign-up bonus of 50,000 Membership Rewards points after spending $5,000 within three months. The $175 annual fee is waived for the first year.

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Maxing Out My Last $300 Travel Credit Of 2016

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There are several premium credit cards that offer annual travel credits, most of which are in the range of $200-300, and reset each calendar year (though exact terms vary).

One of the cards that offers a sizable travel credit is The Ritz-Carlton Rewards® Credit Card. In addition to the $300 travel credit, the card offers a great sign-up bonus of three complimentary nights at a Tier 1-4 property upon completing minimum spend, as well as perks like Ritz-Carlton Gold status (which is also valuable at Marriott properties), a $100 domestic companion airfare benefit, three Ritz-Carlton club upgrades per year, etc.

Lastly, the card isn’t subjected to Chase’s “5/24 rule,” so is generally easier to be approved for than many other Chase cards.

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