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Review: Is the Hilton Honors Surpass Card the Best Credit Card for You? The Hilton Honors American Express Surpass® Card earns terrific rewards rates in multiple categories like Hilton hotel bookings, restaurants, gas stations, and more. Redeem Hilton points for experiences, events, merchandise, and moreOther options for redeeming Hilton points also won't get you the highest value, but they could be helpful in certain circumstances:Hilton experiences — Use points for exclusive events, dining, and toursUse Hilton points for event credits — Starting at 25,000 points for up to $50 creditRedeem Hilton points at Amazon — A poor value; you'll get just 0.2 cents per pointDonate Hilton points to charity — For every 10,000 points you donate, Hilton will send $25 to a charity of your choiceUse Hilton points toward Lyft rides — Again, not the best value; you'll typically get around 0.2 cents per pointPool or transfer Hilton points to a friend — Send up to 2 million points per year to friends or family with no fee, or pool your points with up to 11 people to save for a redemptionHilton points expire if there's no activity in your account for 24 months. Read our review Read Our Review A looong arrow, pointing rightFees and CostsThe Hilton Honors American Express Surpass® Card has a 20.24% - 29.24% Variable APR. So, for example, if you already have The Hilton Honors American Express Business Card, Hilton Honors American Express Card, or Hilton Honors American Express Aspire Card, you could still qualify for the Hilton Honors American Express Surpass® Card.

Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Automatic Marriott Gold elite status (room upgrades and late checkout when available, bonus points on stays) Check mark icon A check mark. 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy. Cardholders receive automatic Hilton Gold status, which opens the door to perks like free breakfast (food and beverage credit at US hotels), bonus points, and room upgrades. With Gold status, you'll get perks like a 10% points bonus on paid stays, late checkout when available, and access to preferred rooms.

American Express issues four co-branded Hilton credit cards, but only one — the Hilton Honors American Express Card — has a $0 annual fee. For example, the Hilton Honors American Express Surpass® Card and The Hilton Honors American Express Business Card also have excellent elevated welcome bonus offers and come with Hilton Gold status, which gets you free breakfast (currently awarded as a food and beverage credit at US hotels) and better perks. Amex OffersLike other American Express cards, the Hilton Honors American Express Card includes targeted discounts and bonus rewards at participating merchants through Amex Offers**. However, if you stay at Hilton hotels with any regularity, a card like the Hilton Honors American Express Surpass® Card or The Hilton Honors American Express Business Card is a better choice. The Hilton Honors American Express Card is a great card for those who are skeptical about the value of travel rewards credit cards.

As a newly minted Airman, I was floored when I first found out about all the credit card perks active duty military members receive. Note that credit card lenders may use many different variations of credit score models when considering your application. Review: IHG Rewards Premier credit card reviewBest Discover Cards for Military MembersWhile Discover credit cards don't actually charge any annual fees — it's one of their hallmarks — they've outdone much of the competition by eliminating all over-limit and late fees for active-duty military credit cards. Review: Navy Federal Flagship Rewards credit card reviewBest Credit Cards for Active-duty Military Frequently Asked Questions (FAQ)Are military credit cards guaranteed approval? Military members will have their credit vetted just as anyone who applies for a credit card.

$95 Apply now On Wells Fargo's website Apply now On Citi's website Apply now On Chase's websiteHere are the cheapest ways to get a family to Hawaii on points and miles. HiltonFor the highest Hilton credit card welcome bonus, look no further than the Hilton Honors American Express Aspire Card . You can also utilize miles from the Capital One Venture Rewards Credit Card to cover the cost of activities. Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Pay these rewards with your Capital One Venture Rewards Credit Card and redeem miles toward statement credits.

☆ How to access American Airlines Admirals Club airport lounges
▼ + stars: | 2023-02-01 | by ( Jason Stauffer | Elizabeth Gravier | ) www.cnbc.com time to read: +11 min

Below, CNBC Select details of the ways you can access American Airlines' network of Admirals Club lounges. American Airlines lounge locationsAmerican Airlines offers a network of nearly 50 Admirals Club lounges across 32 airports worldwide. How to access American Airlines loungesTo access any American Airlines lounge you'll need to be flying either with American Airlines, a Oneworld alliance partner or JetBlue. Members of the U.S. military traveling in uniform have access to most Admirals Club lounges when traveling on a same-day American Airlines flight. With an annual Admirals Club membership you'll also have access to Alaska Airlines lounges, Qantas lounges and other partner lounges.

If everyone in the world expertly utilized credit card rewards to travel for free, there wouldn't be such amazing travel opportunities out there. Identify your travel goalsBefore you begin collecting credit card rewards, you should first identify your travel goals. Amex Membership Rewards points Capital One miles Chase Ultimate Rewards points Choice Privileges points Citi ThankYou points Hilton Honors points Hyatt points IHG Rewards points Marriott Bonvoy points Wyndham Rewards pointsYou travel with a large family Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Recommended credit card strategies for beginnersThe best practice for anyone new to credit card rewards is to invest in flexible points. You'll need: An annual fee-incurring Hilton credit card One of the greatest deals in credit card rewards is the free night certificate that comes with select American Express Hilton credit cards.

☆ 10 best credit cards for elite status travel benefits
▼ + stars: | 2023-01-10 | by ( Ariana Arghandewal | ) edition.cnn.com time to read: +23 min

Best credit card for Delta SkyMiles elite status perksGetty ImagesElite status: No automatic elite status; however, you’ll earn up to 60,000 MQMs per year with Status Boost. Best credit card for United MileagePlus elite status perksGetty ImagesElite status: No automatic elite status; however, card holders can earn up to 8,000 Premier Qualifying Points (PQPs) per calendar year toward elite status. The best credit card for IHG One Rewards elite status perksIHGElite status: Complimentary Platinum Elite status as long as you remain a card holder. The best credit card for Hilton Honors elite status perksHiltonElite status: Complimentary Hilton Honors Diamond elite status. Frequently asked questions about credit cards with elite status benefitsIf you travel frequently enough, elite status can be worth it.

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. $95 Apply now On Wells Fargo's website Learn More Apply now On Chase's websiteHow to earn points with the Amex Marriott Bonvoy Brilliant cardThe Marriott Bonvoy Brilliant® American Express® Card offers a straightforward earning structure, earning bonus points at eligible Marriott Bonvoy properties and in other useful categories. Read our review Read Our Review A looong arrow, pointing rightMarriott Bonvoy Brilliant card fees and costsThe Marriott Bonvoy Brilliant® American Express® Card has a $650 annual fee. You also aren't eligible for the welcome bonus offer on this card if any of the following apply to you: You are a current cardmember, or were a previous cardmember within the last 30 days, of The Ritz-Carlton™ Credit Card from JPMorgan or J.P. Morgan Ritz-Carlton Rewards® Credit CardYou've opened the Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, or Marriott Bonvoy Bountiful™ Card in the last 90 daysIn the last 24 months, you've received a new cardmember bonus offer or upgrade offer for the Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, or Marriott Bonvoy Bountiful™ CardIs the Marriott Bonvoy Brilliant card worth it? There are also two new mid-range Marriott cards to consider (Marriott Bonvoy Bountiful™ Card and Marriott Bonvoy Bevy™ American Express® Card) which both have a $250 annual fee).

David Slotnick/Business InsiderAmerican Express Membership Rewards points are among the most valuable card rewards you can earn. You'll usually get the most value from Amex points by transferring them to airline and hotel partners. In fact, the Amex Membership Rewards program debuted way back in 1991 with just seven US airline partners. More Information Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. What to know about transferring Amex points to partnersAmerican Express Membership Rewards points are among the most valuable and versatile travel rewards out there.

The best hotel credit cards all have one outstanding benefit that gives cardholders the incentive to renew year after year: free night certificates and/or bonus points that are worth more than the annual fee. 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter. Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Show more Regular Annual Percentage Rate (APR) 20.24% - 27.24% Variable Editor's Rating 4.4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.4 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Credit Cards With Annual Free Nights Frequently Asked Questions (FAQ)How do I use a free night certificate?

Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. Read our review Read Our Review A looong arrow, pointing rightThe Hilton Honors American Express Business Card is worth considering if you're a Hilton loyalist and are eligible for a small-business credit card. The Hilton Honors American Express Business Card is one of four co-branded Hilton credit cards issued by Amex, and the other three — Hilton Honors American Express Card, Hilton Honors American Express Surpass® Card , and Hilton Honors American Express Aspire Card — are also solid picks. The Hilton Honors American Express Business Card is a small-business card, which means you'll need to have a business to qualify. So, for example, if you already have the Hilton Honors American Express Card, Hilton Honors American Express Surpass® Card, or Hilton Honors American Express Aspire Card, you're still eligible for The Hilton Honors American Express Business Card.

The Amex airline incidental fee credit can reimburse you for qualifying fees on one airline you select from a list of eight US carriers. One of the most valuable benefits offered by premium American Express cards like The Platinum Card® from American Express , The Business Platinum Card® from American Express , and Hilton Honors American Express Aspire Card is a yearly airline incidental fee credit. $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline. What qualifies for the Amex airline fee credit? What to do if you haven't used all your Amex airline fee creditsSome people still aren't traveling as much as they used to, so cardholders might find themselves unable to use all of their Amex airline fee credits right now.

Amex Platinum; InsiderThe Platinum Card® from American Express offers up to $200 in annual airline incidental fee credits. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. That said, The Platinum Card® from American Express is a definite keeper for anyone who travels frequently. For example: The Business Platinum Card® from American Express receives up to $200 toward airline incidentals per calendar year. What you need to know about the Amex Platinum airline creditThe Platinum Card® from American Express awards its $200 airline incidental fee credit once per calendar year.

In this guide, we'll give you a crash course on how to quickly earn credit card rewards and book free travel. If everyone in the world expertly utilized credit card rewards to travel for free, there wouldn't be such amazing travel opportunities out there. Identify your travel goalsBefore you begin collecting credit card rewards, you should first identify your travel goals. Recommended credit card strategies for beginnersThe best practice for anyone new to credit card rewards is to invest in flexible points. You'll need: An annual fee-incurring Hilton credit card One of the greatest deals in credit card rewards is the free night certificate that comes with select American Express Hilton credit cards.

Here's everything you need to know about paying your taxes with a credit card and the best cards to use. How to pay taxes with a credit cardYou'll have to pay your taxes through a third-party payment processor if you want to use a credit card, and they all charge credit card processing fees. If you want to pay state taxes or local taxes (like property taxes) with a credit card, you can try seeing if your tax agency accepts credit cards and charges reasonable fees. You should only pay your taxes with a credit card if you can afford to pay off your credit card bill immediately. Pay taxes with a credit card frequently asked questions (FAQ)Is there a cash advance fee if I pay taxes with a credit card?

Thankfully, there are a few ways to get around those extra fees, with more airlines offering passengers access to free Wi-Fi than ever before. Hawaiian Airlines is also planning to launch free in-flight Wi-Fi in 2023 thanks to its partnership with SpaceX's SkyLink. American Airlines also seems to be testing out free Wi-Fi on many of its aircraft that are equipped with Viasat — as part of an ongoing trial, passengers who opt to watch a sponsored video can access 30 minutes of Wi-Fi free of charge. Some international carriers offer free Wi-Fi, but with certain stipulations. Then, choose the airline's Wi-Fi network and login on the Wi-Fi homepage using your T-Mobile or Sprint phone number.

☆ The Amex Platinum, Business Platinum, and Hilton Aspire come with annual airline incidental fee credits, but you have to select one airline — here's how to choose
▼ + stars: | 2022-11-28 | by ( Jasmin Baron | Read More | Read Less | ) www.businessinsider.com time to read: +15 min

You'll have to choose one qualifying airline for your Amex incidental fee credit — most major domestic carriers are eligible. With the Hilton Honors American Express Aspire Card , this benefit is good for up to $250 in credits per year. Which Amex cards offer an airline fee credit? Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. The airline fee credit section will also show you your current selected airline (in this case, United).

You probably already know that most travel credit cards offer some form of rental car insurance. It's often said the Chase Sapphire Preferred is the best starter travel credit card — and primary rental car insurance is a big reason why. If you're using a business credit card that offers primary car rental insurance, you need to be renting a car for business purposes in order to receive the coverage. Whether your coverage comes from a credit card, the auto rental agency, or your personal insurance plan, you should get rental car insurance. Of all rental car insurance options, primary insurance with a credit card is the best value.

☆ If you need a unique holiday gift, rewards cards like the Amex Platinum and Capital One Venture X let you gift airport lounge access, Global Entry, charitable donations, and more
▼ + stars: | 2022-11-16 | by ( Sarah Silbert | Jasmin Baron | Read More | ) www.businessinsider.com time to read: +38 min

You credit card rewards could unlock a unique gift for a friend or family member this holiday season. Annual travel credit can effectively shave $300 off the annual fee if you use it Check mark icon A check mark. Both the Chase Sapphire Reserve® and Capital One Venture X Rewards Credit Card include Priority Pass airport lounge membership for authorized users. With the Capital One Venture X Rewards Credit Card, primary cardholders and authorized users can also access Capital One Lounges and over 100 Plaza Premium Lounges worldwide. One method is to redeem Chase Ultimate Rewards points for charitable donations through the Pay Yourself Back feature.

Show more Regular Annual Percentage Rate (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. Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Read more: United Explorer card reviewCredit cards with airport lounge access frequently asked questions (FAQ)What are the Centurion Lounge locations? The Platinum Card® from American Express is the all-around best credit card for airport lounge access. Joseph Hostetler, CEPF Credit cards reporter Joseph Hostetler is a credit cards reporter for Insider who also covers helpful miles and points tricks.

☆ The Amex Hilton Business Card welcome bonus of 130,000 points plus a free night award is potentially worth 280,000 points total, but it's your last chance to apply
▼ + stars: | 2022-10-27 | by ( Joseph Hostetler | Credit Cards Reporter | Read More | ) www.businessinsider.com time to read: +16 min

You can reserve a night at the Grand Wailea, a Waldorf Astoria resort in Maui, with the Hilton Business card's free night certificate. The Hilton Honors American Express Business Card has ongoing benefits that justify its $95 annual fee, even without the bonus. Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. I recently used my Hilton free night certificate for a night at the Waldorf Astoria Maldives, which costs more than $2,000 per night. You can read our Hilton Honors Business Card review for more card details.

☆ The Amex Hilton Business Card now comes with a welcome bonus of 130,000 points plus a free night award — potentially worth 280,000 points total
▼ + stars: | 2022-10-27 | by ( Joseph Hostetler | Credit Cards Reporter | Read More | ) www.businessinsider.com time to read: +16 min

You can reserve a night at the Grand Wailea, a Waldorf Astoria resort in Maui, with the Hilton Business card's free night certificate. Per Insider's points valuations, Hilton points are worth 0.5 cents each, on average. Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. I recently used my Hilton free night certificate for a night at the Waldorf Astoria Maldives, which costs more than $2,000 per night. You can read our Hilton Honors Business Card review for more card details.

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.

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