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☆ How to use the Delta Reserve card to earn Delta elite status quickly
▼ + stars: | 2023-09-01 | by ( Holly Johnson | ) edition.cnn.com time to read: +9 min

As a longtime Delta Air Lines enthusiast, I have had both the Delta SkyMiles® Platinum American Express Card and the Delta SkyMiles® Reserve American Express Card over the past few years. The Delta Reserve makes it possible for me to earn elite statusSpending $25,000 on the Delta Platinum or Delta Reserve cards waives the MQD requirement for elite status. Other reasons to love the Delta Reserve cardThe Delta Reserve card is loaded with perks, including Delta Sky Club access and upgrade priority. Status boostThe Delta Reserve and the Delta Platinum both come with a perk called Status Boost that gets you closer to Delta Medallion status without flying a single mile. Just make sure your Delta SkyMiles number is linked to your Delta credit card — this is often done when you apply for a Delta card.

Persons: Julian Kheel, You’ll, Andrew Kunesh Organizations: CNN, American Express, longtime Delta Air Lines, Delta, Delta SkyMiles ®, American Express Card, Delta Reserve, Air France, KLM, Virgin Atlantic, Delta Sky Club, MQM, American, Delta Sky, Delta Air Lines Locations: Cancun, Mexico, Europe, Delta, United Kingdom, New York, JFK, Paris, Comfort

☆ 5 cheaper alternatives to popular high-annual fee cards
▼ + stars: | 2023-03-23 | by ( Ariana Arghandewal | ) edition.cnn.com time to read: +11 min

It has a $150 annual fee, which can be offset by a $200 annual cash bonus when you spend $200,000 or more per year. With a steep annual fee and high spending requirements, the Spark 2% Cash Plus Card can be a tough sell for some business owners. Hilton Honors American Express Card instead of the Hilton Honors SurpassHilton's no annual fee card still provides generous perks. It has offers a $300 annual travel credit to partially offset the $550 annual fee, along with a Priority Pass membership. The card’s $395 annual fee is mostly offset by a $300 annual travel credit (valid on Capital One Travel bookings) and 10,000 anniversary miles (worth $100).

☆ Delta SkyMiles Reserve Amex review
▼ + stars: | 2022-03-17 | by ( Darren Murph | ) edition.cnn.com time to read: +16 min

The Delta SkyMiles Reserve card also earns 3 miles for every dollar you spend on eligible Delta purchases — these miles are Delta SkyMiles, deposited directly to your Delta frequent flyer account. Advantages of the Delta Reserve credit cardUse the Delta Reserve credit card to gain entry to the Amex Centurion Lounge at LAX. Disadvantages of the Delta Reserve cardThe Delta Reserve card has great perks, but its earning rates aren't as competitive. KEY DETAILS Citi Double Cash Card Delta Reserve Card Card type Mastercard American Express Sign-up bonus None. So if you’re looking to increase your stash of Delta SkyMiles and MQMs, the Delta SkyMiles Reserve could be a card to consider.

☆ Chase Freedom Flex categories: 5% bonus cash back
▼ + stars: | 2022-03-15 | by ( Julian Kheel | ) edition.cnn.com time to read: +6 min

Make your Chase Freedom Flex cash back go even furtherIn addition to earning 5% cash back on the rotating categories, the Chase Freedom Flex also comes with a trio of fixed bonus categories. Convert your Chase Freedom Flex cash back to Ultimate Rewards points and redeem them for travel at a higher rate. Pair the Chase Freedom Flex and take advantage of its bonus categoriesRegardless of whether you’re interested in cash back or travel rewards, the Chase Freedom Flex is a useful credit card to have in your purse or wallet. If you’re interested in travel, get a Chase Sapphire Preferred or Chase Sapphire Reserve to go with the Chase Freedom Flex, and convert your Freedom Flex cash back to travel points, increasing their value and opening up multiple additional redemption options. If you prefer cash back, pair the Chase Freedom Flex with another credit card that earns a higher rate on purchases outside the bonus categories.

☆ Chase Freedom Flex credit card: Spend $500, earn $200
▼ + stars: | 2022-02-15 | by ( Julian Kheel | ) edition.cnn.com time to read: +8 min

The Chase Freedom Flex℠ credit card has become a popular choice since it was first introduced. However, Chase Freedom Flex card holders who also have either the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® can combine their Freedom Flex points with their Sapphire card, and get even greater value for them by applying the higher-end features of their Sapphire card to Ultimate Rewards points earned from the Freedom Flex. Customers who have the old Chase Freedom card (which is no longer available to new applicants) can also get a Chase Freedom Flex and have both cards at the same time. Existing Chase Freedom card holders are not being automatically converted to the new Freedom Flex card at this time, though customers can call and request to be converted if they choose. Learn more and apply for the new Chase Freedom Flex credit card.

☆ Earn 100,000 Aeroplan points with this credit card offer
▼ + stars: | 2021-12-02 | by ( Julian Kheel | ) edition.cnn.com time to read: +8 min

In December 2021, a new airline credit card arrived on the scene with the Aeroplan® Credit Card, the issuer’s first-ever card tied exclusively to Air Canada. The Aeroplan Credit Card’s bonus categories and elite status perksThe Chase Aeroplan credit card offers solid earning rates on everyday purchases. Getty ImagesAirlines have made an effort in recent years to broaden the bonus categories on their credit cards, and the Aeroplan Credit Card card is no exception. In future years, Aeroplan Credit Card card holders can requalify for 25K status by spending $15,000 on the card in a calendar year. Other Aeroplan Credit Card benefitsAir Canada frequent flyers will enjoy a host of perks with the Chase Aeroplan credit card.

☆ Capital One announces new Venture X travel credit card
▼ + stars: | 2021-11-04 | by ( Julian Kheel | ) edition.cnn.com time to read: +8 min

On Thursday, the issuer took another huge step by announcing its first-ever premium credit card, the Capital One Venture X Rewards Credit Card. The Capital One Venture X features fewer perks than other popular premium travel credit cards, but also a lower annual fee. Redeeming Capital One Venture X milesMiles earned with the Capital One Venture X can be redeemed at a rate of 1 cent apiece for any travel purchase made with the card using Capital One’s “Purchase Eraser” tool. Capital One Venture X credit card perksWithout a doubt, the two best perks on the new Capital One Venture X card are the $300 annual credit for bookings made via Capital One Travel and complimentary access to Capital One’s new airport lounges. Should you get the new Capital One Venture X credit card?

Persons: Chase, ”, Lauren Liss, Miles, you’ll, there’s, Emily McNutt Organizations: CNN, American Express, Venture, PreCheck, Dallas, Fort, Capital, Guy, Chase, Chase Sapphire Reserve Locations: Fort Worth, Dallas, Denver, Washington, DC’s Dulles

☆ Discover 5% cash back categories for the second quarter of 2023
▼ + stars: | 2021-11-01 | by ( Julian Kheel | ) edition.cnn.com time to read: +4 min

The Discover it® Cash Back credit card features a rotating set of bonus categories that earn 5% cash back, up to $1,500 in purchases each quarter. The rotating categories on the Discover it Cash Back card for the second quarter of 2023 — which runs from April 1 to June 30 — are restaurants and wholesale clubs. Keep in mind that while BJ’s Wholesale Club and Sam’s Club accept Discover credit cards both in-store and online, Costco Wholesale only accepts Discover credit cards for online purchases. Since the Discover rotating bonus categories are capped at $1,500 in combined purchases each quarter, card holders can earn up to $75 in quarterly bonus cash back just by enrolling in the categories each quarter, and then making sure to use their Discover card at the right merchants. That turns the 5% cash back categories into 10% cash back categories for year one.

☆ Capital One miles just became even more valuable with improved transfer ratios
▼ + stars: | 2021-10-07 | by ( Julian Kheel | ) edition.cnn.com time to read: +5 min

Over the last several years, Capital One has committed significant resources toward making its credit card miles competitive with other heavyweights in the industry. Starting Oct. 7, all but two of Capital One’s airline and hotel partners will transfer at a 1-to-1 ratio. British Airways is one of six airline loyalty programs that will now transfer from Capital One at a 1-to-1 ratio. By moving the bulk of its partners to a 1-to-1 transfer ratio, Capital One miles are now comparable to Chase Ultimate Rewards and American Express Membership Rewards, both of which transfer to most of their partners at a 1-to-1 ratio. If you don’t have a Capital One credit card, the Capital One Venture currently comes with a sign-up bonus that can put a chunk of miles in your pocket fairly quickly.

☆ Earn up to 75,000 points with the World of Hyatt Business Credit Card
▼ + stars: | 2021-10-06 | by ( Julian Kheel | ) edition.cnn.com time to read: +10 min

Fortunately though, there’s another way to earn points with the World of Hyatt Business Credit Card. Elite status with the new Hyatt Business credit cardFor business owners looking for Hyatt elite status, the World of Hyatt Business Credit Card comes with complimentary Discoverist status. Get access to the elite check-in line at Hyatt hotels worldwide with the World of Hyatt Business credit card. An 75,000-point sign-up bonusThe World of Hyatt Business Credit Card doesn’t carry the cost of an ultra-high-end premium credit card, but with a $199 annual fee, it’s definitely more expensive than the average travel card. Use the sign-up bonus on the World of Hyatt Business Credit Card at properties like the Park Hyatt Sydney in Australia.

Persons: you’ll, cardmembers, Hyatt, you’ve, it’s Organizations: CNN, American Express, Hyatt, Hyatt Business, Hyatt Business Credit, Hyatt Credit, Globalist, Social, Shipping Locations: Hyatt, Australia

☆ Best credit cards for excellent credit in 2023
▼ + stars: | 2021-08-05 | by ( Holly Johnson | ) edition.cnn.com time to read: +14 min

Just keep in mind that there are many types of credit scores, and free credit monitoring services may not show you a true FICO credit score, which is the credit score that’s most widely used by lenders. Click here to see the latest list of the best credit cards for people with excellent credit scores. Watch out for these credit pitfallsJust because you can get a lot of great credit cards with excellent credit doesn't mean you should. Maintaining excellent credit with a credit cardTo maintain your excellent credit in 2023, you’ll want to keep doing exactly what you’ve done so far to get your credit score to the level it is now. Learn more about the best credit cards you can get with an excellent credit score.

☆ Capital One Savor credit cards permanently increase cash back on groceries, streaming services
▼ + stars: | 2021-05-18 | by ( Julian Kheel | ) edition.cnn.com time to read: +5 min

CNN —During the coronavirus pandemic, Capital One added a limited-time bonus category on popular streaming services to its Savor credit cards. Starting Tuesday, May 18, the Capital One® Savor® Cash Rewards Credit Card earns 4% cash back on eligible music and video streaming services on an ongoing basis, while the Capital One® SavorOne® Cash Rewards Credit Card now earns 3% cash back on those same streaming services. Popular streaming services that officially earn bonus cash back on the Savor cards include Netflix, Hulu and Disney+, but other streaming services that have been reported to earn bonus cash back as well include Spotify, Sling, Kindle Unlimited, Paramount+ and HBO Max, among others. Previously, the issuer added redemption options for streaming services and food delivery to its Capital One® Venture® Rewards Credit Card and Capital One® VentureOne® Rewards Credit Card, but that enhancement is currently scheduled to end on June 30. Find out which cards CNN Underscored chose as our best credit cards currently available.

There are now 15 total Centurion Lounges lounges around the world, with a few new additions on the horizon. Amex Centurion Lounge locationsAmerican Express Centurion Lounges can cover you in some of the largest international airports in the world, though the Centurion Lounge footprint itself is mostly focused in the United States. These are the full-fledged current Centurion Lounges and announced future locations, not including the international Amex lounges that are in the process of being rebranded as Centurion Lounges. Hong Kong (HKG)The Amex Centurion Lounge in Hong Kong has a "lounge within a lounge" for Centurion card members. It’s also currently the only Centurion Lounge to feature a “lounge within a lounge” exclusively for Amex Centurion card members.

Persons: you’ll, cardmembers, Charlotte Douglas, American’s, Charlotte Centurion, James Beard, Dean, Lachlan Mackinnon, Patterson, It’s, It's, Kim Canteenwalla, Emily McNutt, Assaf Granit, Amex, Julian Kheel, Tom Bradley, Anthony Giglio, L.A, Jim Meehan, New York John F, Kennedy, Natasha Hatendi, it’s, You’ll, McNally Jackson, there’s, There’s, DC’s Organizations: CNN, American Express, American, New, London Heathrow, Centurion, Delta SkyMiles ®, Delta SkyMiles, Express, Delta, Delta Reserve, DC, Charlotte, Charlotte Douglas International, American Airlines, Admirals Clubs, Dallas, Fort Worth, Denver Centurion, Visitors, Hong Kong, Cathay, Amex, Houston . American, Houston, McCarran International Airport, London Heathrow’s, Michelin, LAX, New York, JFK, TSA, JFK . New York, LaGuardia, McNally Jackson Books, LaGuardia ., Philadelphia, SFO, Seattle, Seattle Centurion, DC’s Reagan National, Newark Liberty International Airport, Delta SkyMiles Reserve American Express, Delta SkyMiles Reserve Business Locations: Las Vegas, JFK, Denver, Hong Kong, New York’s LaGuardia, United States, Charlotte, CLT, Dallas, DFW, Houston, Las, Los Angeles, Miami, York, New York, Philadelphia, San Francisco, Seattle, Washington, Atlanta, Newark, Fort Worth, Rocky, Vegas, London, Exhale, South America, New, JFK . New, LaGuardia, New York City, LaGuardia . Philadelphia, Phoenix, PHX, Umbria, Manhattan

☆ Delta Status Boost on American Express cards
▼ + stars: | 2020-12-10 | by ( Julian Kheel | ) edition.cnn.com time to read: +5 min

Looking to earn elite status with Delta Air Lines but don’t fly enough to do it the traditional way? Fortunately, earning elite status in 2023 can be incredibly easy with help from some of the airline’s American Express-issued credit cards. Delta Platinum Amex card members can earn MQMs with the Status Boost feature. Earning Delta elite status also normally requires spending money on flights with Delta and its partners in addition to earning MQMs. The Delta Platinum Amex and Delta Reserve Amex aren’t inexpensive credit cards.

Persons: it’ll, Read Organizations: CNN, American Express, Delta Air, Delta, Card, ®, Delta SkyMiles, Delta Reserve, Medallion, Express, Delta Business Reserve, Read CNN

☆ New Peloton credits on Chase Sapphire credit cards
▼ + stars: | 2020-10-27 | by ( Julian Kheel | ) edition.cnn.com time to read: +2 min

CNN —Coming on the heels of a temporary expansion of its credit card bonus categories, on Tuesday, Chase announced another new limited-time benefit for its trademark Chase Sapphire Preferred Card and Chase Sapphire Reserve card. Eligible card holders can activate their Peloton membership benefit by visiting Onepeloton.com/ChaseSapphire and enrolling in an eligible Peloton membership using their Sapphire card. Existing memberships managed by Peloton are also eligible for the credits — just change your default payment method in your Peloton profile to your Chase Sapphire card. Peloton statement credits will be applied automatically to eligible Peloton transactions, and will appear on your monthly credit card billing statement within one to two billing cycles, up to the maximum on your Chase Sapphire card. So, if these Peloton credits are of use to you and you don’t already have a Chase Sapphire Reserve or Chase Sapphire Preferred, now is probably an ideal time to grab one.

☆ What's a good credit score? Myths about credit
▼ + stars: | 2020-08-27 | by ( Julian Kheel | ) edition.cnn.com time to read: +5 min

But what exactly does your credit score mean, and what’s a good credit score versus a bad one? Before we get into good credit scores versus bad scores, it’s important to understand what a credit score actually is. Credit scores typically range from 300 to 850, but not always, and that brings up an important point — not all credit scores are the same. So when determining whether your credit score is good or bad, it’s important to know which credit scoring model your score comes from. So, if you’re considering opening a new credit card or refinancing your mortgage, take a moment to check your credit score and get an idea if you have good credit or bad credit.

☆ Does closing a credit card hurt your credit score?
▼ + stars: | 2020-07-14 | by ( Julian Kheel | ) edition.cnn.com time to read: +5 min

Technically, the action of closing a credit card account doesn’t have a direct bearing on your credit score, meaning most scoring models don’t subtract points just because you canceled a card. As we explained in our story about how opening a credit card affects your score, a significant portion of your credit score is based on your debt-to-credit ratio, also known as your credit utilization rate. How does canceling a credit card affect your credit score? And since credit utilization can count for almost one-third of your credit score, your score is likely to drop by closing a card in that scenario. Your entire history with a credit card stays on your credit report for up to seven years, even after you’ve canceled the card.

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