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Note that credit card lenders may use many different variations of credit score models when considering your application. If you're looking for Chase small-business card but don't want to meet the hefty spending requirement on the Ink Business Preferred® Credit Card, the no-annual-fee Ink Business Cash® Credit Card is a great alternative. If you're considering opening a new rewards credit card, do your research to see whether the card you want has previously offered a higher bonus. A credit card sign-up bonus can be a great incentive to apply, especially if you're looking at a card that has an annual fee, but not every good credit card offers an intro bonus. Before you apply for a new credit card, make sure you understand how credit card applications affect your credit score.

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Show more Regular APR 19.99% - 26.99% Variable Editor's Rating 4.65 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.65 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Show more Regular APR 18.99% - 25.99% Variable Editor's Rating 4.8 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.8 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. You'll earn 3% back (3x Chase Ultimate Rewards points) at restaurants and drugstores, and 5% cash back (5x points) on travel purchased through Ultimate Rewards. Review: US Bank Cash+ card reviewThe new Capital One SavorOne Student Cash Rewards Credit Card is a great choice if you're new to credit and looking for a cash-back card that earns bonus rewards in popular categories.

Show more Regular Annual Percentage Rate (APR) 18.99% - 25.99% Variable Editor's Rating 4.8 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.8 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. How we chose the best grocery credit cards We narrowed down our list of the best credit cards for grocery shopping by evaluating several factors: Ease of use — Does the card have a straightforward rewards program? However, there are a handful of student credit cards — which don't require a long credit history — that earn bonus rewards on grocery purchases. For example, the Capital One SavorOne Student Cash Rewards Credit Card earns 3% cash back on groceries, dining, entertainment, and eligible streaming services. What counts as a grocery store or supermarket for bonus credit card rewards?

Show more Regular APR 18.99% - 25.99% Variable Editor's Rating 4.8 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.8 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. American Airlines introduced its no-annual-fee American Airlines AAdvantage MileUp℠ Mastercard a couple of years ago to target less-frequent flyers on a budget. You'll continue to get the standard American Airlines benefits, such as a free first checked bag on American Airlines domestic itineraries, preferred boarding on American Airlines flights, a 25% savings on American Airlines inflight purchases, etc. American Airlines credit card frequently asked questions (FAQ)What credit score do you need for an American Airlines credit card? Most co-branded American Airlines cards (except the American Airlines AAdvantage MileUp℠ Mastercard) come with early boarding privileges.

$0 Annual Fee View Full Details $0 Annual Fee Apply now On Wells Fargo's websiteWells Fargo Active Cash® Card Apply now On Wells Fargo's website Best card for flat-rate cash rewards earning Details Rewards Earn unlimited 2% cash rewards on purchases. Show more Regular APR 18.99% - 25.99% Variable Editor's Rating 4.8 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.8 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Show more Regular APR 19.99% - 26.99% Variable Editor's Rating 4.65 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.65 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Show more Regular APR 25.99% Variable Editor's Rating 5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 5 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. $0 Annual Fee View Full Details Learn moreBest card for college students Capital One SavorOne Student Cash Rewards Credit Card 4.2 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.2

☆ TSA screened 15 million passengers last week, surpassing 2019 levels as travel demand continues to rise
▼ + stars: | 2022-10-31 | by ( Brady Macdonald | ) www.businessinsider.com time to read: +2 min

US airlines forecast the continued health of leisure travel heading into holidays. The TSA screened 15 million passengers last week at US airports, according to checkpoint data. Since the Labor Day holiday, airline traffic stalled out in September as the summer vacation season came to an end. Flight bookings have shown three straight weeks of steady improvements following a modest slow down after Labor Day, according to the report. The increased volume in international bookings more than offset a drop in prices for global travel, according to BofA.

☆ You can transfer Chase Ultimate Rewards points to Aeroplan with a 30% bonus for a limited time — but some cardholders can get an extra 10% bonus
▼ + stars: | 2022-10-31 | by ( Joseph Hostetler | Credit Cards Reporter | Read More | ) www.businessinsider.com time to read: +17 min

Josef Hanus/ShutterstockChase Ultimate Rewards points normally transfer to Air Canada Aeroplan at a ratio of 1:1. You'll get a 30% bonus when you transfer Chase points to Aeroplan between November 1 and November 30, 2022. And from November 1 to November 30, 2022, you'll get a 30% bonus when transferring Chase points to Aeroplan. How to earn Chase points in a hurryYou can earn Chase Ultimate Rewards points quickly by opening one of the best Chase credit cards and earning their bonuses. Aeroplan points are worth 1.5 cents each, on averageThis 30% bonus when transferring Chase points to Aeroplan means your Chase points are worth an average of 1.95 cents per point when transferring to Aeroplan.

American Express is giving Marriott, Hilton, and Delta cardmembers better tools for viewing and tracking rewards. Those who collect Amex Membership Rewards points will find these to be familiar. Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Each calendar year you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status.

If you're trying to decide if a credit card annual fee is worth it, look at its benefits and assess how many you'll use. This card's $650 annual fee is extremely high for a hotel credit card (or any credit card, for that matter). Credit cards with annual fees frequently asked questions (FAQ)What is a credit card annual fee? Credit card annual fees are effectively a paywall you have to breach if you want to enjoy enhanced (and sometimes super exclusive) benefits you won't find on a no-annual-fee credit card. If you won't use the benefits and perks of an annual fee-incurring credit card, no annual fee credit cards are the way to go.

☆ US Bank Shopper Cash Rewards card review: Up to 6% cash back at popular retailers like Amazon and Walmart and a unique feature you won't find on any other card
▼ + stars: | 2022-10-26 | by ( Tessa Campbell | Personal Finance Reviews Fellow | Read More | ) www.businessinsider.com time to read: +31 min

Speaking of eye-catching, the U.S. Bank Shopper Cash Rewards is the first to include LED-powered technology in the card's plastic. If you're a fan of Visa Signature benefits, the U.S. Bank Shopper Cash Rewards has got you covered. US Bank Shopper Cash Rewards card benefits and featuresLED technologyIn a unique twist, US Bank is piloting a version of the U.S. Bank Shopper Cash Rewards that has LED-powered technology built into the card's plastic. Read our review Read Our Review A looong arrow, pointing rightFees and costsThe U.S. Bank Shopper Cash Rewards has a 17.49% - 27.49% Variable APR. How do I redeem cash back on my US Bank Shopper Cash Rewards card?

☆ Luxury hotel booking programs from Amex, Capital One, Visa, and more can get you free elite benefits like room upgrades and on-property credits — here's how
▼ + stars: | 2022-10-25 | by ( Eric Rosen | Tessa Campbell | Read More | ) www.businessinsider.com time to read: +39 min

David Slotnick/Business InsiderMany travel rewards cards offer elite-like hotel benefits when you book with their online portals. The prices through credit card travel portals are often on par with booking directly through hotels. However, it's only available to Capital One Venture X Rewards Credit Card and Capital One Spark Travel Elite cardholders. Bottom lineYou might not have a premium hotel credit card or elite status with one of the major loyalty programs. However, that doesn't mean you can't take advantage of credit card booking portals to enjoy perks like room upgrades, free breakfast, and on-property credits.

One such perk is an annual travel credit — statement credits that reimburse you for qualifying travel purchases up to a certain dollar amount each year. What are credit card annual travel credits? Credit cards that offer an annual travel credit will reimburse you up to a certain dollar amount for applicable travel purchases each year. If that sounds good to you, here are six credit card annual travel credits you need to know about. Annual travel credit can effectively shave $300 off the annual fee if you use it Check mark icon A check mark.

The first Chase Sapphire Lounge by The Club will open at Hong Kong International Airport Terminal 1 on October 25, 2022. The wait is now over — the first Chase Sapphire Lounge by The Club will open at Hong Kong International Airport Terminal 1 on Tuesday, October 25, 2022 (Hong Kong time). Chase Sapphire Lounge opening in Hong KongChase Sapphire Reserve and Priority Pass members will be able to access comfortable seating and upscale amenities at the Hong Kong Chase Sapphire Lounge. How to access the Chase Sapphire Lounge in Hong KongChase Sapphire Reserve® cardholders, as well as Priority Pass members (including those with membership from cards like The Platinum Card® from American Express and Capital One Venture X Rewards Credit Card) and LoungeKey members, will be able to access the Hong Kong Chase Sapphire Lounge. And, if the Chase Sapphire Lounge is as upscale as promised, it will be a big competitor to the Hong Kong Amex Centurion Lounge (currently closed).

Chase; InsiderThe Chase Sapphire Preferred® Card is a great entry-level card if you're new to credit card rewards. The Chase Sapphire Preferred® Card pairs well with other cards that earn Chase Ultimate Rewards® points. But here I am, telling you that the Chase Sapphire Preferred® Card credit card is the best travel credit card for people new to points and miles. Because of my travel habits, the Chase Sapphire Reserve® would have likely given me more value than the Chase Sapphire Preferred® Card. I'll get the Chase Sapphire Preferred® Card's premium sibling soon, but for now, I'll enjoy and continue to get great value out of my Chase Sapphire Preferred® Card.

Chase, American Express, Citi, Capital One, and other banks are currently offering elevated credit card bonuses, and there are dozens of other lucrative deals available. Note that credit card lenders may use many different variations of credit score models when considering your application. Note that credit card lenders may use many different variations of credit score models when considering your application. How to pick a credit card bonusCredit card limited time offersCredit card intro bonuses aren't always the same. For a flexible all-around card with a six-figure bonus and modest annual fee, the Ink Business Preferred® Credit Card is a terrific choice.

☆ The top 6 germiest places to avoid when traveling, according to experts
▼ + stars: | 2022-10-23 | by ( Jen Glantz | ) www.businessinsider.com time to read: +5 min

Traveling, even with disinfectant wipes and hand sanitizer, can still be filled with high-risk areas to avoid. Experts name the six germiest spots with the most bacteria and viruses that travelers should avoid. While it can be hard to avoid touching an escalator handrail, Gerba suggests washing your hands or using hand sanitizer immediately afterward. Gerba said a study of public restrooms found that the most common virus was adenoviruses, found in about 70% of public restrooms. Public water fountainsIf you want to fill up your water bottle before a flight, Dr. Michael May, the medical director at the Wimpole Clinic, warned that public water fountains can be breeding grounds for germs and bacteria.

I used to focus a lot more on pinch pennies, until I realized it was costing me time. I used to try to save money without much thought for the time invested. Having a dollar amount in mind helps me quickly assess whether an opportunity to earn or save money is worthwhile. If I'm not netting close to $1 per minute, I'm probably not interested. This approach also works in reverse to help me decide whether I should spend money to save time.

☆ How to make sure your luggage doesn't get lost when flying, according to an airline executive
▼ + stars: | 2022-10-22 | by ( Anne Wen | ) www.businessinsider.com time to read: +6 min

He says the best way to avoid lost baggage is to arrive early and not pack bulky items like coats. Seriously, an airline doesn't want to lose your baggage, and even though you may be more inconvenienced than the airline, it's too costly for us to deal with lost baggage. Here's my best advice for handling a lost bag and making sure you never have to worry about lost baggage again when flying. Then the airline doesn't scan it in time for TSA or the baggage handler to take the luggage to the airplane, and it gets lost. If it's not in baggage claim, the ticket counter is the second best area to go.

Southwest credit card holders will get a 10,000-point boost toward qualifying for the Companion Pass starting in 2023. Compare Southwest credit cards for earning the Companion Pass Southwest Rapid Rewards® Plus Credit CardSouthwest Rapid Rewards® Premier Credit CardSouthwest Rapid Rewards® Priority Credit CardSouthwest Rapid Rewards® Premier Business Credit CardSouthwest® Rapid Rewards® Performance Business Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Earn 2X points on Southwest® purchases. However, Southwest Rapid Rewards credit card holders will receive a boost of 10,000 Companion Pass Qualifying Points each calendar year. Earn 2X points on Southwest® purchases.

Best overall for travel rewards Annual Fee Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best small-business travel rewards card Annual Fee Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Show more Regular APR 18.24% - 25.24% Variable Editor's Rating 4.8 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.8 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Show more Regular APR 19.99% - 26.99% Variable Editor's Rating 4.65 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.65 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.

Show more Regular APR 18.24% - 25.24% Variable Editor's Rating 4.8 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.8 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Read our review Read Our Review A looong arrow, pointing rightRewards on food delivery: You'll earn 4 points per dollar on restaurants, which includes most US food delivery services. Show more Regular APR 19.99% - 26.99% Variable Editor's Rating 4.65 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.65 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Read our review Read Our Review A looong arrow, pointing rightRewards on food delivery: You'll earn 4 points per dollar on takeout, food delivery, and dining. Review: U.S. Bank Altitude Go card reviewFood delivery credit cards frequently asked questions (FAQ)Which is the best credit card for food delivery?

☆ Chase Pay Yourself Back gets you up to 50% more value when you redeem points for Airbnb, dining, phone, internet, and more — here's how it works
▼ + stars: | 2022-10-20 | by ( Holly Johnson | Jasmin Baron | Freelance Writer | ) www.businessinsider.com time to read: +17 min

You'll get 50% more value with the Chase Sapphire Reserve®, and 25% more with the Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card. Here's what to know about Pay Yourself Back to help you decide if you want to redeem your Chase Ultimate Rewards® points this way. Let's say for a moment that you have 50,000 Chase Ultimate Rewards points in your Chase Sapphire Reserve® account. You'll also earn 10x points on Lyft rides with the Chase Sapphire Reserve® and 5x points on Lyft rides with the Chase Sapphire Preferred® Card through March 2025. Pair Chase cards for even more valueIf you have a Chase Sapphire Reserve® or Chase Sapphire Preferred® Card, you should also consider applying for another Chase card that could help you maximize this benefit.

☆ The Chase Sapphire Reserve's 80K bonus is effectively a blank airline ticket — here's how to use it to get (almost) anywhere in the world
▼ + stars: | 2022-10-19 | by ( Joseph Hostetler | Credit Cards Reporter | Read More | ) www.businessinsider.com time to read: +13 min

By transferring Chase Ultimate Rewards® points to airline partners, you can fly just about anywhere on earth. Show more Regular APR 19.99% - 26.99% Variable Editor's Rating 4.65 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.65 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. By transferring 80,000 Chase points to Southwest, you can expect an average value of $1,120 in free flights. You can save quite a few Chase points if you're willing to pay a bit in taxes, however. Bottom lineThe 84,000 Chase points you'll have after opening the Chase Sapphire Reserve® and meeting its minimum spending requirement is basically a blank airline ticket to nearly anywhere on earth's surface.

☆ Capital One will launch the Premier Collection luxury hotel booking program, plus new culinary-focused Capital One Landing airport lounges
▼ + stars: | 2022-10-18 | by ( Tessa Campbell | Personal Finance Reviews Fellow | Read More | ) www.businessinsider.com time to read: +12 min

Capital OneCapital One will offer its own premium hotel booking program with the launch of the Premier Collection for Capital One Venture X Rewards Credit Card members. Read Insider's guide to the best travel rewards credit cards. And it's got a lot in common with existing credit card hotel programs, like Amex Fine Hotels and Resorts and Chase's Luxury Hotels and Resorts Collection. To access the Capital One Premier Collection, you'll need to have a Capital One Venture X Rewards Credit Card or Capital One Spark Travel Elite card (only available through Capital One Business relationship managers). Oftentimes, credit card hotel booking programs have higher rates than booking through the property (or chain) directly.

Compare the Chase Sapphire cards Chase Sapphire Preferred® CardChase Sapphire Reserve® Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Apply now On Chase's website Apply now On Chase's websiteThe Chase Sapphire Preferred® Card and Chase Sapphire Reserve® got makeovers last year, adding new or improved bonus categories and additional benefits. Neither card got an annual fee increase: You'll still pay $550 per year for the Chase Sapphire Reserve® and $95 for the Chase Sapphire Preferred® Card. While the Chase Sapphire Preferred® Card costs only $95 a year, the Chase Sapphire Reserve® has an annual fee of $550. The Chase Sapphire Preferred® Card fee is $95, while the Chase Sapphire Reserve® fee is $550.

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