Credit Cards

Last Chance For A Great Increased Sign-Up Bonus

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For a couple of months now The Blue for Business® Credit Card from American Express has offered an excellent increased sign-up bonus. This is actually a card that wasn’t ever on my radar, though I recently uncovered just how rewarding it is, and applied for it myself.

Anyway, the card’s increased sign-up bonus expires tomorrow, February 22, 2017. So if you haven’t yet applied for this card, you really should consider doing so.

Why? First of all, the card offers a sign-up bonus of up to an incremental 64,600 Membership Rewards points. That comes in the following form:

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Creative Ways To Get More Than One “Free” IHG Night Per Year

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The single best perk of the IHG® Rewards Club Select Credit Card is that it offers an annual free night certificate valid at any IHG property. The card has a $49 annual fee (which is waived the first year), so even when you remove all the other benefits from the card, I think a vast majority of people would come out way ahead on the annual fee with the free night certificate alone.

One comment I’ve gotten from some readers is “well, that’s great, but it’s only useful if you’re staying in one night increments.” Fair enough. Personally that works great for me, as I have plenty of one night stays. For others, you can of course pay for an extra night (either in cash or points), or switch hotels. But I realize that’s not for everyone.

So in this post I wanted to look at two other ways to stretch the stays you can get out of the annual free night certificate on the IHG® Rewards Club Select Credit Card:

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7 Reasons To Get An SPG Amex Business Card

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Through April 5, 2017, there’s an increased sign-up bonus on both the Starwood Preferred Guest® Credit Card from American Express and Starwood Preferred Guest® Business Credit Card from American Express. Both cards are offering a sign-up bonus of up to 35,000 Starpoints upon completing minimum spend, with the $95 annual fee waived for the first year.

I know a lot of people have just the personal version and not the business version of this card, so in this post I wanted to look at some reasons to also consider the SPG Business Amex.

In no particular order:

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How To Know If You’re Eligible For The SPG Amex 35K Sign-Up Bonus

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At the moment we’re seeing the biggest ever sign-up bonuses on the Starwood Preferred Guest® Credit Card from American Express and Starwood Preferred Guest® Business Credit Card from American Express. The cards are offering sign-up bonuses of 35,000 Starpoints upon completing minimum spend, which is the biggest bonuses the cards have ever offered.

35,000 might not sound like a big number, but keep in mind that Starpoints are the most valuable points currency out there, as far as I’m concerned. So those points are worth significantly more than 35,000 airline miles.

The bonus on each of these cards is “once in a lifetime,” though there’s some confusion about what that means in practice, so I figured I’d address that in this post.

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Up To 110k Bonus Points For Referring Friends To The SPG Amex!

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Yesterday I wrote about the increased sign-up bonuses on the Starwood American Express, which is the biggest bonus we’ve ever seen on the card. The details of the offer are as follows:

• For the Starwood Preferred Guest® Credit Card from American Express, earn 25,000 Starpoints after spending $3,000 within three months, plus an additional 10,000 Starpoints after spending another $2,000 within six months; $0 introductory annual fee for the first year, then $95
• For the Starwood Preferred Guest® Business Credit Card from American Express, earn 25,000 Starpoints after spending $5,000 within three months, plus an additional 10,000 Starpoints after spending another $3,000 within six months; $0 introductory annual fee for the first year, then $95

The standard sign-up bonus offers up to 25,000 bonus Starpoints, while historically they’ve had a promotion once a year offering up to 30,000 bonus Starpoints. So this is a further 5,000 Starpoints above the best offer we previously ever saw.

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5 Fantastic Uses Of United Miles

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There are numerous ways to use United miles, and you can do some really fun stuff with stopovers and open-jaws.

For the purposes of this post I’m going to keep it simple and highlight the one-way prices for some of the “sweet spots” in the United award chart, along with a couple of regions where I find United miles to be particularly useful.

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IT’S BACK: Biggest Ever Sign-Up Bonus On The SPG Amex

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Yay, it’s back! Last year American Express offered the biggest ever sign-up bonus on the SPG Amex, and it’s back again now, for the second time ever. The normal sign-up bonus on these cards is 25,000 Starpoints upon completing minimum spend. In the past we’ve sometimes seen 30,000 Starpoint sign-up bonuses. And now we’re seeing a 35,000 Starpoint sign-up bonus, which is the biggest sign-up bonus ever. These increased sign-up bonuses are valid through April 5, 2017.

As stated above, at the moment we’re seeing a sign-up bonus of 35,000 Starpoints, which is the highest bonus ever. Here are the details of the sign-up bonus:

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The First Credit Card To Apply For If You’re New To Miles & Points

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I don’t think there’s a single “one size fits all” credit card. It all depends on what categories you spend most in, how much you spend, and what kind of rewards you’re looking for.

There are certainly cards that offer a compelling return for a vast majority of consumers, like The Amex EveryDay® Preferred Credit Card from American Express, which offers triple points on U.S. groceries (on up to $6,000 of spend per year), double points on U.S. gas, and a 50% points bonus when you make at least 30 transactions per billing cycle. Cards like that help points add up quickly for the average household.

Then there are cards that offer perks that more than justify the annual fee for a vast majority of consumers. For example, the IHG® Rewards Club Select Credit Card offers an annual free night certificate valid at any of IHG’s 5,000+ hotels, which more than justifies the card’s $49 annual fee, in my opinion. You’d be hard pressed to not get $49 of value out of that.

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I Scored A 5-Star Hotel In Hong Kong For $49 (Thanks To A Credit Card)

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The IHG® Rewards Club Select Credit Card is one of the all around most rewarding cards out there in terms of the perks it offers. As far as I’m concerned, this card should be a “no brainer” for a vast majority of consumers. The card has just a $49 annual fee (which is waived the first year), and offers three huge perks:

— You get an anniversary free night certificate every year, which is valid at any IHG property worldwide, pending availability; given IHG’s global footprint, that should justify the card for just about anyone
— You get IHG Rewards Club Platinum status for as long as you have the card, which gets you bonus points, room upgrades, etc.
— You get a 10% rebate on points redemptions, for up to 100,000 points back each year

The single biggest perk of the card is the annual free night certificate. While some other cards offer an annual free night certificate with category caps and lots of restrictions, the annual free night certificate on the IHG® Rewards Club Select Credit Card can be redeemed at any IHG property.

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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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SUCCESS: I Got Approved For A 5th Amex Credit Card

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Historically American Express has limited each consumer to having four credit cards and four charge cards with them at any point, as I explained in my recent post about my 2017 American Express card strategy.

Many people have reported that the limit has been raised to five credit cards, though previously I didn’t find that to be the case. For example, last June I got denied when I applied for my fifth card, on account of having too many cards.

That led me to believe that my limit with Amex is four credit cards, though several readers insisted that the limit has been raised to five credit cards, so I figured I’d give it another try and apply for a fifth credit card.

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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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You Can Now Apply For The New Cathay Pacific Visa Signature Card

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As I first wrote about yesterday, Cathay Pacific is in the process of introducing a credit card in the U.S. market. They provided some hints suggesting this would be announced today, and sure enough the application page for the Cathay Pacific Visa Signature Card is now live.

The details are similar to what I wrote about yesterday, though there are a few things that make this card pretty cool.

Here are the basic things to know about this card:

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Cathay Pacific Is Introducing A U.S. Credit Card Tomorrow

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I’m always excited to see new credit cards products introduced. Competition is (almost) always a good thing for consumers, and lately we’ve really seen credit card companies raise their game and increase perks.

While no credit card is perfect, there are plenty of reasons to consider picking up a card. Some cards are worth getting for their big sign-up bonuses, others are worth getting for the return they offer on everyday spend, and others are worth holding onto for the long term perks they offer.

For a while there have been rumors that Cathay Pacific will be introducing a U.S. credit card, and it looks like that will finally officially be announced tomorrow.

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