Chase

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 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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A Single New Credit Card Is Costing An Issuer Up To $300 Million In Profits This Quarter

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The Chase Sapphire Reserve Card is arguably the hottest new credit card this year, and its popularity is costing Chase a lot in profits… at least in the short term. Per Bloomberg, the Sapphire Reserve has cost Chase $200-300 million in cardmember acquisition costs so far, which draws from their short term profits:

“JPMorgan Chase & Co.’s new Sapphire Reserve credit card will reduce the bank’s profit by $200 million to $300 million in the fourth quarter, according to Chief Executive Officer Jamie Dimon.”

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Ranking Credit Card Annual Travel Credits

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While $450 might seem like a lot of money to pay for a credit card annual fee, the perks offered by many cards keep getting better and better.

On the most basic level, one of the perks of many premium cards is that they offer travel credits, often in the range of $200-300 per year. This is a great opportunity to help offset the annual fee on the card.

One of the questions I’m asked most often about premium credit cards is why they don’t just lower their annual fees rather than offering travel credits.

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Who Is Eligible For The New Chase Ink Preferred Card?

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A few weeks ago Chase introduced the Ink Business Preferred℠ Credit Card, which is their hot new business card. The card comes with a huge sign-up bonus of 80,000 Ultimate Rewards points after spending $5,000 on purchases within the first three months of account opening. I value Ultimate Rewards points at ~1.7 cents each, so to me those 80,000 points are worth ~$1,360.

Not only does this card offer a huge sign-up bonus, but it also has a great points rewards structure that will help many businesses maximize their points. Specifically, you can earn triple points for the first $150,000 of combined spend annually in the following categories:

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10 Best Credit Card Offers For November

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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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Review: Chase Ink Business Preferred Card

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Early last week Chase formally introduced the Ink Business Preferred℠ Credit Card, which is their newest business credit card. Based on the “Preferred” branding, it sure seems intended to be the business version of the Chase Sapphire Preferred® Card.

This Ink Preferred replaces the Ink Plus as Chase’s new premium business credit card, though existing cardmembers of the Ink Plus can continue to hold onto that card, as Chase doesn’t have plans to transition cardmembers over.

Tiffany posted about the card when it was first introduced, though I figured I’d do an in-depth review of the card benefits in this post:

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The 5 Best Credit Cards With Annual Fees Under $100

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While there are a lot of excellent premium credit cards with high annual fees, you don’t need to spend hundreds of dollars a year to get a card that offers incredible benefits. In this post I’d like to talk about five really rewarding credit cards with annual fees under $100. I’ve chosen these cards for different reasons — some for the long term perks they offer, some for the return on everyday spend they offer, and some for offering both.

In no particular order, here are five of my top picks:

Annual fee: $0 introductory annual fee the first year, then $95

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