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To maximize and diversify your rewards, it's best to earn miles whenever you fly, and to earn credit card points on your everyday spending. Because of the way frequent flyer programs work, you can usually get a lot more value from transferable credit card points than from airline miles. Transferable credit card points are potentially more valuableTransferable points give you the most redemption options, from cash back to travel. A better way to use your bank-based credit card points is to book travel through your credit card company's travel portal. Why you should earn both credit card points and airline milesUltimately, it's best to collect both transferable credit card points and frequent flyer miles for the sake of flexibility.

☆ Thanks to my first-ever travel credit card, my flight to Egypt didn't cost a cent — freeing up money for camel rides and hot air balloon trips
▼ + stars: | 2022-05-24 | by ( Ryan Wangman | Jasmin Baron | Loans Reporter | ) www.businessinsider.com time to read: +10 min

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Little did I know it was possible to hitch a ride on a camel and gobble down a grilled pigeon without breaking the bank, all thanks to credit card rewards points. I'd only opened my first credit card several months before and didn't have much of a credit history, so I didn't think I'd get approved for the card. You earn points by making purchases using your credit card and through sign-up and referral bonuses. Note that credit card lenders may use many different variations of credit score models when considering your application.

☆ 5 ways I'm still using travel credit cards to maximize online grocery shopping — from bonus points to stacking discounts, the rewards are too good to pass up
▼ + stars: | 2022-03-17 | by ( Carly Helfand | Jasmin Baron | Read More | ) www.businessinsider.com time to read: +12 min

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Skipping the store and ordering groceries online is still an excellent way to earn bonus credit card rewards. The array of bonus points and savings offers available to those with travel credit cards. Note that credit card lenders may use many different variations of credit score models when considering your application. Amazon Shop with PointsAnother perk of buying groceries online is the ability not just to earn bonus points, but to use those points to cover your orders, too.

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☆ The 9 best no annual fee credit cards of February 2023
▼ + stars: | 2022-01-11 | by ( Darren Murph | ) edition.cnn.com time to read: +37 min

CNN Underscored’s comprehensive credit card methodology compares every aspect of each no-annual-fee credit card to our “benchmark credit card” — the Citi® Double Cash Card — to determine which cards can potentially bring you maximum value in addition to lowering your balances. The best no-annual-fee credit cards of February 2023Citi Double Cash Card: Best for flat-rate cash backBlue Cash Everyday® Card from American Express: Best for groceriesChase Freedom Flex℠: Best for diningCiti Rewards+® Card: Best for small purchasesChase Freedom Unlimited®: Best for flexible rewardsBilt Mastercard®: Best for rentersU.S. Bank Visa® Platinum Card: Best for 0% interest on purchasesDiscover it® Cash Back: Best sign-up bonusCapital One® VentureOne® Rewards Credit Card: Best no-annual-fee travel cardWhy did we select these cards as our best no-annual-fee credit cards for February 2023? What we like about the Citi Rewards+: There are three features of the Citi Rewards+ that make it worthy of consideration. If you’re just getting your feet wet with credit card rewards, then a no-annual-fee credit card could be the perfect starter card. Or, if you’re finding that the perks and benefits you’re currently getting on your credit card with an annual fee aren’t paying off, then a no-annual-fee credit card might serve you well.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Credit card points, free night certificates, and hotel promotions kept my costs very low. Thanks to credit card rewards, I was able to use points, promotions, and free night certificates to save thousands on lodging. AdvertisementAdvertisementHotel points saved me thousands of dollarsIHG One Rewards Premier Credit Card Apply now lock icon An icon in the shape of lock. Note that credit card lenders may use many different variations of credit score models when considering your application.

Persons: Read, Harlan Vaughn, didn't, hadn't, I'd, —, We're, Hilton, Fenwick, munch, Cash, IHG, I've Organizations: Service, Business, Hilton, Oklahoma City, Hyatt, Marriott, Airbnb, Resorts, IHG, United, Hotels, InterContinental ®, Crowne Plaza, FDIC, Hilton Honors, American, Target, Walmart, Chase, Sapphire, Hyatt Credit, Card, Hilton Diamond Locations: Wall, Silicon, Memphis, Asheville , Philadelphia, New York, West Virginia, Pittsburgh, Delaware, Hyatt, Nashville, Asheville, Philadelphia, Austin, Denver, Phoenix, Mexico, Eastern, Oklahoma City

Present in more than 40 countries, Choice Hotels' partnerships with Penn National Gaming, Inc., Preferred Hotels & Resorts, and Nordic Choice Hotels make redemption options even more interesting, with the addition of casino hotels and upscale resorts to the mix. AdvertisementHow to earn Choice Privileges pointsWhile Choice Privileges seems straightforward, there are lots of little rules about what counts as a qualifying points-earning stay. If you're just getting started, the fastest way to accrue Choice Privileges points is by opening the Choice Privileges Visa Signature Card. AdvertisementBuy Choice Privileges points — for you or someone elseYou can buy up to 250,000 Choice Privileges points for yourself — or up to 180,000 Choice Privileges points for friends and family members — per calendar year. Transfer Choice Privileges points to travel partnersTo redeem Choice Privileges points for flights, use the Choice Hotels Rewards Exchange to transfer them to airline partners at the following rates:5,000 Choice points for 1,000 Alaska Airlines Mileage Plan miles5,000 Choice points for 1,000 Aeromexico Club Premier miles5,000 Choice points for 1,000 Aeroplan points5,000 Choice points for 1,000 United MileagePlus miles5,000 Choice points for 1,000 Spirit Airlines Free Spirit miles5,000 Choice points for 1,000 Czech Airlines OK Plus miles20,000 Choice points for 8,000 Qantas Frequent Flyer points20,000 Choice points for 8,000 Virgin Australia Velocity points20,000 Choice points for 140 Air New Zealand Airpoints DollarsNote that you may need to call Customer Service at 888-770-6800 and provide them with your frequent flyer number to complete your airline redemption.

Persons: —, You'll, We're, Read, It's, you've, you'll, I'm, there's, Homefront, they'll Organizations: Business, Card, Citi, Choice, Service, Choice Hotels, Penn National Gaming, Inc, Resorts, Amtrak, Barclays, American, Express, Hotels, Diamond, Avis, Cambria Hotels, Alaska Airlines, Aeromexico Club Premier, Czech Airlines, Spirit Airlines, Air, Zealand, Qantas Frequent Flyer, Australia, Alamo, Budget, Bed, Apple, Vinesse, Rocket, Aeromexico Club, Airlines, Virgin Australia, Clubs of America, Fisher House Foundation, Council, International, Polaris, Cosmopolitan, AARP Locations: Cambria, Econo Lodge, Canada, Mexico, Central America, Caribbean, Asia, Pacific, China, Japan, Europe, Clarion Clarion Pointe, Czech

Amex Platinum; InsiderThe Platinum Card® from American Express offers up to $200 in Uber Cash credits each year. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Thankfully, you can use the Platinum Card's Uber benefit in another way: ordering food delivery or merchandise with Uber Eats. Other Amex credits can save you moneyAmex has been on a roll adding new benefits and statement credits to the Platinum Card in recent months.

Understand how credit scores workIn general, your credit scores fall in a range between 300 and 850, which are determined by the information recorded in your credit reports. "Every time you apply for a new line of credit, your credit score will initially drop," Amaral says. Keep old credit accounts openBecause your FICO scores are partially based on how old your credit accounts are, if you close older accounts, your credit scores may drop. Monitor your credit scores and track your progressIt's important to track your credit scores as you take these steps to increase your credit. Keeping your credit cards paid off or maintaining low balances will help improve your credit utilization ratio, which should be less than 30% of your available credit.

☆ Amex Blue Business Plus review: A great small-business credit card for earning flexible points, with no annual fee and a rare welcome bonus offer
▼ + stars: | 2021-07-26 | by ( Jasmin Baron | Read More | Read Less | ) www.businessinsider.com time to read: +23 min

Read our review Read Our Review A looong arrow, pointing rightReview: Is Amex Blue Business Plus the best business credit card for you? If you're a small-business owner looking for a credit card that offers flexible rewards points without paying an annual fee, The Blue Business® Plus Credit Card from American Express is an excellent option. Other small-business cards to consider include the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card. If you have other Amex cards — even personal ones — your Membership Rewards points get combined into a single account for redemptions. Based on Insider's points and miles valuations, American Express Membership Rewards points are worth, on average, 1.8 cents apiece.

The Discover it® Student chrome can be a great starter card to help you build credit while learning how to responsibly use a credit card. Discover it® Student chrome 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Intro offer Unlimited Cashback Match – only from Discover. Read our review Read Our Review A looong arrow, pointing rightReview: Is the Discover it Student chrome the best credit card for you? Who should and shouldn't consider the Discover It chrome for StudentsThis almost goes without saying, but the Discover it® Student chrome is best for ... students. Discover it® Student chrome 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Intro offer Unlimited Cashback Match – only from Discover.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). U.S Bank has launched the brand-new U.S. Bank Altitude® Connect Visa Signature® Card .. New U.S. Bank Altitude Connect Visa Signature CardWelcome bonus and earningAlong with a welcome bonus worth $500, the U.S. Bank Altitude® Connect Visa Signature® Card offers a variety of bonus categories that can help you earn more rewards for your everyday spending. However, the 4x return on travel and at gas stations offered by the U.S. Bank Altitude® Connect Visa Signature® Card is pretty compelling. The U.S. Bank Altitude® Connect Visa Signature® Card also offers a range of Visa Signature benefits, including concierge services, a golf program, access to exclusive food and wine events, and Visa Signature Luxury Hotel Collection perks.

☆ 8 ways to use American Express Membership Rewards points if you're not traveling, from saving money on shopping to ordering food delivery
▼ + stars: | 2020-12-16 | by ( Holly Johnson | Jasmin Baron | Freelance Writer | ) www.businessinsider.com time to read: +23 min

It's easy to earn Amex Membership Rewards points right now with big welcome offers from The Platinum Card® from American Express and American Express® Gold Card. For example, you can use your Amex Membership Rewards points for food delivery or merchandise in some cases, and even use them to purchase holiday gifts. How to use Amex Membership Rewards points if you're not travelingIf you're sitting on a stash of rewards but aren't traveling soon, you don't have to worry about your points expiring. Donate Amex points to charityAmerican Express Membership Rewards also lets cardholders donate points to charity through an organization called Just Giving. How to earn American Express Membership Rewards pointsThere are numerous American Express personal and small-business cards that earn Membership Rewards points.

Persons: Uber, Wiley, Julie Mehretu, Peacock, Uber Cash, you'll, Cardholders, You'll, you've, REI Nordstrom, It's, — Organizations: Business, American Express, Read, American, Service, Express, Hilton, Marriott, Saks, Entertainment, Disney, ESPN, The New York Times, Street, Walmart, TSA, Global, Saks Fifth, Shipping, Staples, Home Depot Walmart, Sony, Amex, U.S, Milk Bar Locations: Wall, Silicon, Hulu, Boxed.com, Dell.com, York City, U.S

☆ Bucket-list travel experiences like Singapore Airlines' first-class suite cost thousands of dollars, but they're much more attainable if you earn credit card points
▼ + stars: | 2020-02-20 | by ( Elizabeth Aldrich | Read More | Read Less | ) www.businessinsider.com time to read: +9 min

Some of the world's best first-class flights cost well over $10,000 but you can often get them for under 100,000 miles. A good travel credit card will help you accumulate these miles faster. See Business Insider's list of the best travel rewards credit cards »Get the latest tips you need to manage your money — delivered to you biweekly. Aspirational, bucket-list travel is one of the best uses of travel points and airline miles, in my opinion. You can transfer Amex points, Chase points, Citi points, and Marriott points to Singapore Airlines' KrisFlyer program, so you have lots of options for earning the requisitive rewards.

If you travel, a co-branded hotel or airline credit card could make sense as well, and you'll want a card that offers strong travel protections like trip delay insurance. See Business Insider's list of the best rewards credit cards. I would have to spend $60,000 on my rewards credit card to earn 60,000 miles, but just $16,836.50 on a 2% cash-back card like the Fidelity Rewards Visa Signature Card. With a hotel or airline credit card, loyalty can pay off, even if you're not traveling enough to earn elite status. You're paying annual fees on many of your rewards credit cards, make sure you get your money's worth through benefits like these.

☆ American Express Return Protection: A Comprehensive Guide
▼ + stars: | 2019-11-08 | by ( Caroline Lupini | Freelance Reporter | ) www.businessinsider.com time to read: +8 min

AdvertisementIntroduction to American Express Return ProtectionOverview of Return ProtectionBeyond glamorous perks like airport lounge access and annual statement credits, American Express cards offer several valuable benefits that can protect your purchases. AdvertisementEligibility and CoverageEligible CardsReturn protection is available on virtually every Amex card, from the Blue Cash Preferred® Card from American Express to the Amex Platinum Card to the American Express® Green Card . FAQsWhat is American Express Return Protection? Which purchases are covered under American Express Return Protection? How much coverage does American Express Return Protection provide?

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Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). My wife and I have been using rewards credit cards to earn free travel for our family of eight since 2013. Applicants with a lot of recent card applications could still be approved for business credit cards and co-branded cards like the IHG One Rewards Premier Credit Card or the Marriott Bonvoy Boundless Credit Card . Note that credit card lenders may use many different variations of credit score models when considering your application. That's $900 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.

Persons: We've, we've, Read, —, Chase, Asia Miles Organizations: Chase Sapphire, Service, Chase, Card, Marriott, American Express, Bank of America, Chase Sapphire Reserve, Asia, Sapphire Reserve, IHG, Citi, Sapphire, TSA, Reading Chevron Locations: Lake Tahoe, Reno, Barcelona

☆ Overnight, the Amex Green Card shed its boring reputation to become a high-value travel card with enviable benefits and airport lounge access
▼ + stars: | 2019-10-24 | by ( Sarah Silbert | Read More | Read Less | ) www.businessinsider.com time to read: +8 min

Amex just announced a major overhaul to its Amex Green Card that completely changes all that. The updated Amex Green cardBefore this revamp, the Amex Green Card only offered bonus points on travel booked through Amex — and then, only 2x points. The Amex Green Card also joins many other Amex cards in offering some annual statement credits. Welcome bonus offerNew cardholders can earn 30,000 Amex Membership Rewards points with the Amex Green Card when they spend $2,000 on eligible purchases in the first three months. Earn 3x Membership Rewards® Points on travel including airfare, hotels, cruises, tours, car rentals, and more.

The Discover it® Balance Transfer offer is not in market. A 0% APR introductory offer on a credit card can buy time to pay off credit card debt without accruing any more interest. 0% APR on balance transfers can be a debt-payoff toolThis promotion offers 0% APR on your balance for a set period of time, often 12 to 24 months. This card has a transfer fee of $5 or 3% of the transfer balance, whichever is greater. If you're not able to pay off the balance in time, you might want to transfer it to a new card.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Read Insider's guide to the best rewards credit cards. Hero Images/Getty ImagesI've been writing about credit and credit cards for over a decade. And as I've written dozens of times, the most important thing that you can do with your credit cards is to manage them responsibly. But managing your credit cards responsibly is often easier said than done, especially when you have a lot of active accounts.

Persons: Read, I've, Chase, I'd Organizations: Service, Business, Sapphire, Chase Sapphire, TSA, FDIC, American, American Express, Chase, Hyatt Credit, Business Credit, Wyndham, Barclays, Travel Locations: Wall, Silicon

As part of that announcement, the company launched two new cards: the Hilton Honors American Express Surpass® Card , and the Hilton Honors American Express Aspire Card . Under the new program, Amex and Hilton offer two personal credit cards — the Hilton Honors Surpass® Card, and the Hilton Honors American Express Aspire Card. There are some similarities to the old cards (which were called the Hilton Honors Amex and the Hilton Honors Surpass cards), but also a few enhancements and improvements. The Hilton Honors American Express Surpass CardFirst up is the Hilton Honors Surpass® Card. The Hilton Honors American Express Aspire CardThe second card, the Hilton Honors Aspire Card, is a bit different.

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