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☆ I Paid for My Dream Honeymoon With Credit Card Points—Here’s How I Did It
▼ + stars: | 2023-09-28 | by ( Emily Sherman | ) www.wsj.com time to read: +6 min

Our first year of dating, we took a spontaneous trip to Iceland paid for with points from a Chase Sapphire Preferred card (his) and Capital One Venture X Rewards Credit Card (mine). Capital One Venture X Rewards Credit Card Learn More Base rewards rate: 2xBonus rewards: 10x on hotels and rental cars, plus 5x on flights, if booked through Capital One; 10,000-mile annual bonus. After researching a number of hotel-branded cards, the $99 a year IHG One Rewards Premier Credit Card emerged as the best fit for this trip. Sign-up bonus: 140,000 bonus points after you spend $3,000 in the first three months. With a few weeks to go before the big day, I’m excited to say our trip is booked and paid for almost entirely with credit card points.

Persons: Emily Sherman, I’ve Organizations: Texas Capitol, Chase Sapphire, Venture, Air Tahiti, Intercontinental Tahiti Locations: Texas, Iceland, Austin , Texas, Maldives, Polynesia, IHG

☆ Best Credit Cards for TSA PreCheck and Global Entry
▼ + stars: | 2023-09-26 | by ( Emily Sherman | ) www.wsj.com time to read: +12 min

Many travel credit cards have removed this cost barrier for their users—offering a statement credit that covers the cost of applying to either TSA PreCheck or Global Entry. All you have to do is pay the $78 PreCheck fee or $100 Global Entry fee with your card and you’ll automatically be reimbursed. Other cards to considerWhile these cards are our favorites boasting a TSA PreCheck or Global Entry credit, there are a few other options if none of them align with your needs. How we pickedTo choose Buy Side’s Best Credit Cards for TSA PreCheck and Global Entry, we looked at more than 30 credit cards that offered a credit for these application fees. To find out more about how we chose credit cards—and to meet our panel of experts—you can also check out Buy Side from WSJ’s full best credit cards methodology.

Persons: Emily Sherman, You’ll, cardholders, Uber, airfare, Chase, Cardholders Organizations: TSA, Hertz, One Venture, Venture, Venture X, Capital, American, Amex, American Express, Amex Travel, Chase, TSA PreCheck, Chase Sapphire, U.S, Sapphire Reserve, Bank of America, of America, Merrill Locations: Capital, Canada

☆ How to Score Big Credit Card Rewards — Without Playing the Miles Game
▼ + stars: | 2023-08-16 | by ( Emily Sherman | ) www.wsj.com time to read: +9 min

Credit card enthusiasts will tell you the best deals come from earning airline or hotel points and miles and redeeming them for free vacations worth hundreds or thousands of dollars. From cash back credit cards to flexible travel cards, these five options are a great choice for those who want to rack up rewards without playing the miles game. The best on the market right now is the Wells Fargo Active Cash Card, which offers 2% cash back on every purchase. Rates and FeesRent makes up the largest portion of most Americans’ budgets, but it is a particularly hard category to earn rewards on. The Bilt Mastercard is currently the only credit card on the market changing that.

Persons: Emily Sherman, Wells, spender, you’ll, Cardholders, cardholders Organizations: Wells, Cash, Citi, American, American Express, Walmart, Target, Bureau of Labor Statistics, Amazon.com, Foods, Chase Travel, Amazon Prime, Amazon, Mastercard Locations: U.S, Chase

☆ How to Build Credit Without a Credit Card
▼ + stars: | 2023-07-31 | by ( Emily Sherman | ) www.wsj.com time to read: +11 min

The problem: The best way to build your credit score is to make regular payments on your credit card — and often you can’t get a credit card until you already have a good credit score. Become an authorized userThe fastest and easiest way to build your credit score — if it’s an option for you — is for a family member or friend with a good credit to add you as an authorized user to their credit card. Once a cardholder adds you to their account, you’ll get your own credit card, earn rewards (if applicable) and get credit for on-time payments and a credit utilization ratio. Get a secured credit cardIf you don’t have any of the loans listed here or find you need another option for building credit, a credit card is still an option. Specifically designed for those just getting started building credit, secured credit cards use a deposit as collateral to reduce risk, so even those with poor credit can qualify.

Persons: Emily Sherman, ”, Emily Irwin, Wells, Irwin, you’ll, doesn’t, it’ll, Freddie Huynh, isn’t, Huynh, Kenneth Chavis, You’re, “ Organizations: Debt, Experian, Versant Capital Management, Digital Federal Credit Union Locations: Wells Fargo, Minneapolis, It’s, Phoenix

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