Citi

10 Best Credit Card Offers For November

conrad-bora-bora

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.

Continue Reading »

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

credit-cards

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.

Continue Reading »

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

hilton-bonus

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.

Continue Reading »

10 Best Credit Card Offers For October

St-Regis-Bal-Harbour-1

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:

Continue Reading »

Citi Prestige’s Fourth Night Free Is Still My Single Favorite Credit Card Perk

Andaz-West-Hollywood-Hotel-29

A few months back some major changes were announced to the Citi Prestige Card. It used to be my single favorite credit card by a long shot, though now that several changes have been made, it sure doesn’t seem quite as lucrative by comparison.

Just today I used this card’s best benefit again, and it reminded me that this card is still incredible, even if it’s not quite as good as it used to be.

The Citi Prestige Card has a $450 annual fee, though you get a $250 annual airline credit. That credit can be used towards any purchase directly with an airline, be it the cost of a ticket, the taxes on an award ticket, baggage fees, etc. Therefore I value this benefit more or less at face value.

Continue Reading »

Why You Shouldn’t Transfer Citi ThankYou Points To JetBlue

JetBlue-A321

Citi ThankYou points can be earned through cards like the Citi Prestige® Card and Citi ThankYou® Premier Card. This is a points currency which 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. However, those looking to book travel within the US may be happy to learn that you can now transfer Citi ThankYou points to JetBlue TrueBlue at a 1,000:800 ratio. At least that’s the transfer ratio for cards accruing premium Citi ThankYou points, like the Citi Prestige® Card and Citi ThankYou® Premier Card.

JetBlue’s TrueBlue program is revenue based on the redemption side, meaning the number of points required for a ticket is directly correlated to the cost of a ticket. In general, one TrueBlue point can be redeemed for ~1.5 cents towards the cost of a ticket on JetBlue. That means in this case you’re getting ~1.2 cents per Citi ThankYou point towards the cost of a ticket.

Continue Reading »

8 Limited Time Card Bonuses That Should Be On Your Radar

ritz

The past couple of 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 briefly recap some of the increased card sign-up bonuses we’re seeing. In no particular order, here are some of them:

The Enhanced 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.

The card has a $450 annual fee, though comes with all kinds of perks that help offset it, including a $200 annual airline fee credit, 10 Gogo passes, access to Delta SkyClubs, access to Amex Centurion Lounges, and much more. Perhaps most valuable of all, if you have this card then you can pool all your Amex Membership Rewards points and receive a 50% refund when using the Pay with Points option on your selected carrier.

Continue Reading »

What Credit Card Should You Use For Airline Ticket Purchases?

Lufthansa-7478-1

In February I wrote a post about the best credit cards to use for airfare purchases. Usually these kinds of posts remain useful for a while, though lately we’ve seen a lot of improvements to the bonus categories offered by credit cards. As a matter of fact, over the past couple of months we’ve seen a change in the two very best credit cards to use for airfare purchases.

There are a couple of different things to consider when deciding which credit card to use for airfare. It’s not just about the direct return you get on spend, but also about the travel protection offered by different cards.

With that in mind, I figured I’d cover the two important things to consider when deciding which credit card to use for your airfare purchases: the best rewards and the best travel protection.

Continue Reading »

Limited Time: 75K Hilton Points & No Annual Fee

Waldorf-Astoria-Panama - 17

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 increased sign-up bonus has just been announced on one of their no annual fee cards.

Hilton’s no annual fee Citi product, the Citi® Hilton HHonors™ Visa Signature® Card, is offering an increased limited time sign-up bonus. The offer is for 75,000 Hilton HHonors bonus points after making $2,000 in purchases within the first three months of account opening.

Continue Reading »

Convert Partner Points To Etihad With A 20% Bonus

Etihad-A380-Apartment - 2

The Etihad Guest program is offering a 20% bonus when you convert points from over a dozen of Etihad’s partner programs between October 1 and October 30, 2016.

This transfer bonus is entirely on Etihad’s side, which means that you won’t see the bonus reflected when you go to the partner programs’ websites to transfer points. As a result, the 20% bonus doesn’t post instantly. Instead the 20% bonus will post within 15 days of the end o the promotion, though in practice it should post faster than that. There’s no registration required to take advantage of this bonus.

While not the biggest percentage wise, this is one of the most extensive transfer bonuses we’ve ever seen from Etihad Guest. In the past we’ve seen bonuses for transferring points from individual partners, like a 25% bonus from Citi ThankYou to Etihad Guest, or a 30% bonus from Amex Membership Rewards to Etihad Guest, but we haven’t seen such a widespread bonus in a while.

Continue Reading »

Citi Adds Restrictions On Sharing ThankYou Points With Others

Citi-Prestige-Premier

Citi ThankYou points are one of the four major transferrable points programs (along with Amex Membership Rewards, Chase Ultimate Rewards, and Starwood Preferred Guest), and can be racked up pretty easily with the Citi Prestige® Card and Citi ThankYou Premier Card, given the bonus points they offer on everyday spend.

One of the great things about Citi ThankYou points has long been that they can be shared with others. Not only can you pool your ThankYou points between various cards for an individual, but you can even transfer your ThankYou points to others who have a similar card, which is a great way to transfer points to someone else’s frequent flyer account.

I’ve written in the past about all the terms associated with transferring, sharing, and combining Citi ThankYou points. Up until now the only real restriction with sharing ThankYou points has been that the points expire 90 days after they’re transferred to someone else’s account, meaning you would want to redeem them before that.

Continue Reading »

10 Best Credit Card Offers For September

Ritz-Carlton-Bali

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 month has 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:

Continue Reading »

Hours Remaining For 3 Great Citi Credit Card Offers

Admirals-Club-2

I’ll make this post pretty quick, but basically there are three excellent Citi cards with offers changing in the coming hours. I’m having to pull the links to these cards this afternoon, and I suspect they’ll be pulled from other channels around the same time. I’ve written about these cards extensively, though just to recap, here are the cards to consider:

75,000 points with the Citi Hilton HHonors Visa Signature Card

This excellent no annual fee credit card has an increased sign-up bonus at the moment. 75,000 points for a no annual fee card is an excellent bonus. Keep in mind that holding onto credit cards long term helps your credit score (as it raises your average age of accounts), and a no annual fee card is the ideal option for accomplishing this.

For more information, see this post.

Continue Reading »

Your Last Chance To Get Admirals Club Access With The Citi Prestige Card

Admirals-Club-2

The Citi Prestige Card has historically been one of the hottest credit cards out there, though we recently learned about some major changes coming to the card, most of which kick in next year.

For existing cardmembers, the following four benefits are changing as of July 23, 2017:

— It will no longer come with Admirals Club access
— Citi ThankYou points earned with the card will no longer be redeemable for 1.6 cents each towards the cost of a ticket on American, but rather will be redeemable for 1.25 cents each towards travel on any airline
— The three complimentary rounds of golf will no longer be offered as a benefit
— For the purposes of the fourth night free hotel benefit, the refund will be calculated based on the average cost of the four nights, and taxes will no longer be included with the statement credit

Personally I think the Citi Prestige Card is still worth holding onto. While the card has a $450 annual fee, the $250 annual airline credit plus fourth night free hotel benefit alone make the card more than worthwhile, at least in my case. I view the airline credit as more or less being worth face value, so I’m paying $200 out of pocket for a card that gets me a fourth night free hotel benefit, a great return on everyday spend, and excellent travel protection.

Continue Reading »