Citi

Earn 75K Hilton Bonus Points On A No Annual Fee Card For A Limited Time

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Link: Citi® Hilton Honors™ Visa Signature® Card Hilton is unique as far as their co-brand credit card agreement goes, in that they have cards issued by both American Express and Citi. They’re the only hotel chain where that’s the case, and that means there are four types of personal credit cards available to consumers. An…

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5 Of The Best No Annual Fee Credit Cards For 2017

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Understandably a lot of people want to avoid credit cards with annual fees. Many people make the assumption that cards with annual fees aren’t worth it. Personally I don’t agree with that sentiment, as someone who spends over $2,000 per year in credit card annual fees (yet I think I’m getting great value).

In this post I wanted to look at five of the hottest and all around most rewarding no annual fee credit cards in the market today — three of them are personal cards, and two of them are business cards.

Here are they are, in no particular order:

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How The Citi AAdvantage Card 10% Mileage Refund Works

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The Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard® has a sign-up bonus of 50,000 AAdvantage miles upon completing minimum spend, with the first year’s annual fee waived. While the sign-up bonus makes the card worth applying for, there’s one other card perk I really value long term.

The main reason I hold onto the Citi AAdvantage Personal Platinum Card is because it offers a 10% refund on redeemed miles, for a maximum refund of up to 10,000 miles per year. Since I redeem at least 100,000 American miles per year, this means I’m getting 10,000 bonus miles per year due to this card, which more than justifies the card’s $95 annual fee. That’s like picking up miles for 0.95 cents each.

In this post I figured I’d answer some of the most common questions I get about this perk:

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5 Sets Of Credit Cards That May Appear To Be Substitutes, But Aren’t

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Many times credit card issuers introduce multiple versions of a card, in hopes of going after as many types of consumers as possible. Sometimes the benefits on the cards overlap, while other times they don’t. For example:

— The $99 annual fee JetBlue Plus Card comes with all the same benefits (and much more!) as the no annual fee JetBlue Card, so there’s not much benefit to having the no annual fee version if you have the premium version
— There’s not a ton of value in having the $95 annual fee Citi ThankYou® Premier Card when you have the $450 annual fee Citi Prestige® Card, since the benefits mostly overlap (though not completely)

However, in this post I figured I’d look at five sets of cards that may on the surface appear to be substitutes, but are actually complementary to one another, in my opinion. In no particular order:

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How Does Citi’s 24 Month Application Rule Really Work?

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Yesterday I wrote a post about my general strategy with Citi cards at the moment, following the previous post I wrote about my American Express card strategy.

Let me start by just copying and pasting what I had written regarding the application rules for Citi cards, regarding how often you can apply for Citi cards, and who is eligible for the sign-up bonuses:

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My 2017 Citi Credit Card Strategy

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While I write quite a bit about credit card sign-up bonuses, that’s only one aspect of maximizing the rewards you can get from credit cards. So I’m writing a brief series about my credit card spend strategy with the major issuers. A couple of days ago I shared my American Express card strategy, and in this post I’ll share my Citi card strategy. Which cards do I have, which do I spend money on, etc.?

As far as I know, Citi doesn’t have a strict limit on how many credit cards you can have with them. The major restriction with Citi is regarding how many cards you can apply for in a given timeframe:

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How Much Do I Spend Per Year On Credit Card Annual Fees?

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Understandably, a lot of consumers try to avoid credit cards with annual fees. Nobody wants to pay unnecessary fees, though I think a lot of people are under the wrong impression that credit cards with annual fees aren’t worth it. While that’s sometimes true, paying an annual fee can be a small and worthwhile investment that can get you a big return. You just have to understand the benefits and know what you’re doing.

For example, I spend over $2,000 per year in credit card annual fees, and think it’s more than worthwhile. In this post I’ll share the cards with annual fees I hold onto long term, and why I do so. To keep things simple I’ll share the core of why I hold onto each card, rather than all the reasons.

Here are the cards, from the highest annual fee to the lowest:

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10 Best Credit Card Offers For January

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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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7 Hot Limited Time Credit Card Bonuses Available Right Now

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The past few months we’ve seen a lot of increased credit card sign-up bonuses. The card issuers are really getting competitive, both in terms of sign-up bonuses and in terms of perks. So I figured I’d use this post to recap some of the increased card sign-up bonuses we’re seeing, some of which are expiring soon. In no particular order, here are some of them:

This amazing sign-up bonus ends tomorrow.

The Business Platinum® Card from American Express OPEN is offering a sign-up bonus of up to 100,000 Membership Rewards points — you earn 50,000 bonus points after spending $5,000 within three months, plus an additional 50,000 points after spending an additional $10,000 within three months.

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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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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 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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