Citi

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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Citi Offering A 25% Bonus On ThankYou Points Transfers To Virgin Atlantic

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Citi ThankYou is offering a 25% bonus on points transfers to Virgin Atlantic Flying Club through March 2, 2017. This is the points currency accrued on cards like the Citi Prestige® Card.

This is the third time the Citi ThankYou program has offered such a transfer bonus. There were similar transfer bonuses in August of 2015 and March of 2016.

Ordinarily points transfer at a 1:1 ratio (in 1,000 point increments), while through this promotion you’d get 1,250 Flying Club miles for every 1,000 ThankYou points transferred.

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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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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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Citi ThankYou Points Will No Longer Transfer To Virgin America

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Just a little while ago I speculated about the ratio at which Virgin America points will eventually be converted into Alaska Mileage Plan miles. As I mentioned, I think a 1:2 transfer ratio is too generous, while a 1:1 transfer ratio isn’t generous enough, so to me a 1:1.5 ratio sounds about right.

As I mentioned in the post, Virgin America Elevate is transfer partners with both American Express Membership Rewards and Citi ThankYou, and points transfer at a ratio of two Amex/Citi points per Virgin America Elevate points. Personally I don’t think that represents a very good deal, though it does suggest that Virgin America Elevate points are more valuable than most airline miles (since most of them transfer at a 1:1 ratio).

There’s one other interesting update on that front today — per an email sent out to cardmembers, Citi ThankYou points can no longer be converted into Virgin America Elevate points as of January 22, 2017.

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Which Citi AAdvantage Card Is Best For You: Platinum Or Executive?

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As I wrote about yesterday, at the moment we’re seeing limited time increased sign-up bonuses on the Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard® and CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®. Both of these cards are offering sign-up bonuses of 50,000 bonus miles after spending $3,000 on purchases within the first three months, with the $95 annual fee waived for the first year.

I value American miles at ~1.5 cents each, so earning a sign-up bonus I value at ~$750 for a card with no annual fee the first year and a reasonable minimum spend represents an exceptional value, in my opinion. However, there’s another Citi AAdvantage card to be aware of — the Citi® / AAdvantage® Executive World Elite™ MasterCard® — so I figured I’d talk a bit about who should be considering which version of the card.

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Earn 100K+ American Miles With 2 Credit Card Sign-Ups

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Citi has just increased the sign-up bonuses on their co-branded AAdvantage credit cards for a limited time, to 50,000 bonus miles upon completing minimum spend. The details of the offers are as follows:

— The Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard® is offering a sign-up bonus of 50,000 AAdvantage miles after making $3,000 of purchases within the first three months
— The CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® is offering a sign-up bonus of 50,000 AAdvantage miles after making $3,000 of purchases within the first three months

Both cards have a $95 annual fee, though it’s waived for the first 12 months.

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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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Minor Changes To Earning EQMs On The Citi AAdvantage Card In 2017

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American is in a unique situation as far as the “big three” U.S. carriers go, as they have a non-exclusive credit card agreement. Rather than just having an agreement with one card issuer, American has credit card agreements with both Citi and Barclaycard.

Starting in 2017, both issuers will have rights to different sales channels — Citi will have exclusive access to aa.com, direct mail, and Admirals Club lounges, while Barclaycard will have exclusive access to airport kiosks and inflight sales.

Furthermore, it was recently announced that it will be possible to earn elite qualifying dollars (EQDs) through American’s co-branded Barclaycard products. American is introducing a revenue requirement for status in 2017, where you’ll have to spend $3,000, $6,000, $9,000, or $12,000 for Gold, Platinum, Platinum Pro, or Executive Platinum, respectively.

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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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Why This Is The Ideal Time To Pick Up A $450 Annual Fee Card

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It’s amazing how much more lucrative premium credit cards have become over the past few years. Going back many years, having a $450 annual fee card was often seen as a sign of prestige, while nowadays having one of these cards can make a lot of sense for the average consumer, helping them maximize their points and perks.

One of the cool things about many of these premium cards is that they offer some sort of a travel credit each year, ranging from $200 to $300. When used properly, that nicely helps offset the annual fee.

But timing on applying for these cards matters. While your annual fee is billed based on your cardmember year (which starts when your card is opened, rather than the beginning of a calendar year), the annual travel credits are typically billed based on the calendar year. Given that the end of the year is approaching, that means you can easily recover two years worth of travel credits within a couple of months if you apply for some cards now.

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Should You Transfer Citi Points To Hilton With A ~33% Bonus?

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Citi ThankYou points can be earned through cards like the Citi Prestige® Card and Citi ThankYou® Premier Card. This is a points currency that has become more useful over the past couple of years, as Citi added over a dozen airline and hotel transfer partners. As of now, you can transfer Citi ThankYou points to the following programs:

My personal favorites are Air France/KLM FlyingBlue, Etihad Guest, and Singapore KrisFlyer, as I find they have the best redemption values.

The only Citi ThankYou hotel transfer partner is Hilton HHonors, and points ordinarily transfer at a ratio of 1,000:1,500.

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10 Best Credit Card Offers For October

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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.

Well, the last couple of months have been especially exciting on the credit card front in terms of new offers. Below are what I consider to be the 10 best right now:

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