Citi

Should You Get The Amex Hilton Surpass Or Citi Hilton Reserve?

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Earlier I wrote a post comparing the increased sign-up bonuses on the no annual fee Hilton Honors™ Card from American Express and the $75 annual fee Hilton Honors™ Surpass® Card from American Express. The cards are offering increased sign-up bonuses of 80,000 Honors points and 100,000 Honors points, respectively.

However, one unique aspect of the Surpass Card is that it’s also offering a free weekend night certificate valid at just about any Hilton hotel on your card account’s first anniversary. This is a benefit I don’t ever recall seeing on one of the Amex Hilton co-brand cards before, but rather this is a benefit that might sound familiar with the Citi® Hilton Honors Reserve Card.

So in this post I wanted to address the differences between the two premium Hilton co-brand cards — the Hilton Honors™ Surpass® Card from American Express and the Hilton HHonorsTM Surpass® Card from American Express.

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How Long Do Citi ThankYou Points Transfers Take?

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If you’re collecting miles & points through credit card spend, I always recommend doing what you can to accrue transferrable points currencies. That’s because these points are much more flexible than when you’re earning an individual airline or hotel points currency. You have the flexibility to transfer these points to all kinds of travel partners, and you’re safeguarded from a devaluation in a specific points currency.

With that in mind, I’m writing a series about the three major transferrable points currencies — Amex Membership Rewards, Chase Ultimate Rewards, and Citi ThankYou — talking about how long it takes to transfer points, along with the other basic details you need to know about transferring points. A couple of days ago I wrote about Amex Membership Rewards, and yesterday I wrote about Chase Ultimate Rewards, so today I’m writing about Citi ThankYou.

How many airline and hotel partners does Citi ThankYou have?

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Should You Pay Your Taxes By Credit Card?

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Tax season is in full swing in the U.S., with federal income taxes due in a bit over a month. Of course people have different ways they pay taxes, so not everyone still has taxes to pay next month. If that’s the case, maybe you can apply this strategy towards a future tax payment.

While a vast majority of people pay their federal income taxes in cash, does it make sense to pay your taxes by credit card instead? I pay all my taxes by credit card, and think it makes sense for a lot of people to do so. In this post I wanted to outline how that works in general?

There are several third party websites that will allow you to make tax payments by credit card. Right now the best option for paying taxes by credit card is Pay1040.com, which charges a 1.87% convenience fee for using a credit card. They let you pay by American Express, MasterCard, Visa, etc.

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How To Easily Make Citi Prestige Fourth Night Free Bookings By Email

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My single favorite benefit offered by any credit card is the fourth night free on the Citi Prestige Card. This benefit has literally saved me thousands of dollars. For example, in my first year of card membership, the benefit saved me over $2,000.

What’s great is that when you use the fourth night free benefit you still earn points with your hotel loyalty program like you usually would. Furthermore, while some free night benefits are highly restrictive, this one can be used on any publicly available paid rate. That means you can use it on a pre-paid rate, AAA rate, etc.

Furthermore, the cost of the fourth night is reimbursed on the back end, meaning that you earn hotel points for the cost of the entire stay, rather than just the cost of the first three nights.

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Should You Transfer Citi ThankYou Points To JetBlue With A 50% Bonus?

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You can receive a 50% points bonus when you convert Citi ThankYou points into JetBlue TrueBlue points between March 2 and April 30, 2017. The promotion goes live tomorrow, and you should see the bonus hard coded into the transfer ratio at that point. JetBlue is one of Citi’s newest transfer partners, as the ability to convert points was just added back in October.

As far as the value of transferring ThankYou points to TrueBlue points goes, those with the Citi Prestige® Card and Citi ThankYou® Premier Card will receive 1.5 TrueBlue points per every 1.25 ThankYou points (you ordinarily receive 1 TrueBlue point per 1.25 ThankYou points). In other words, with the 50% bonus points convert at a rate of 1.2 TrueBlue points per ThankYou point.

In October I wrote about how converting ThankYou points into TrueBlue points isn’t a good deal. Does the math on that change with a 50% transfer bonus?

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Last Day For Two Great Citi American Card Sign-Up Bonuses

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Since early December, Citi has officially increased the sign-up bonuses on the American AAdvantage co-brand credit cards. I’m told that the increased offers will be pulled tomorrow, so if you’re interested you’ll want to apply within the next 24 hours. As a reminder, here’s what you need to know about these offers:

Between these two cards you can earn up to 100,000 AAdvantage bonus miles, which is pretty great. The details are as follows:

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10 Best Credit Card Offers For February

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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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One Week Left: Up To 100K American Miles With 2 Credit Cards

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Since early December, Citi has officially increased the sign-up bonuses on the American AAdvantage co-brand credit cards. I’m told that the increased offers will be pulled around March 1, so if you’re interested you’ll want to apply within the next week or so.

Between these two cards you can earn up to 100,000 AAdvantage bonus miles, which is pretty great. The details are as follows:

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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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