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You'll find these perks on cards including The Platinum Card® from American Express and The Business Platinum Card® from American Express . American Express cards that qualify for this coverage include:The Platinum Card® from American ExpressDelta SkyMiles® Reserve American Express CardHilton Honors American Express Aspire CardMarriott Bonvoy Brilliant™ American Express® CardThe Business Platinum Card® from American ExpressDelta SkyMiles® Reserve Business American Express CardOther versions of the Amex Platinum card — including the Goldman Sachs, Morgan Stanley, and corporate flavors — also offer this coverage, as do all versions of the Amex Centurion (black) card, which is invite-only. Amex cards that come with trip delay coverage include:The Platinum Card® from American ExpressAmerican Express® Gold CardAmerican Express® Green CardDelta SkyMiles® Reserve American Express CardDelta SkyMiles® Platinum American Express CardMarriott Bonvoy Brilliant™ American Express® CardHilton Honors American Express Aspire CardThe Business Platinum Card® from American ExpressAmerican Express® Business Gold CardDelta SkyMiles® Reserve Business American Express CardDelta SkyMiles® Platinum Business American Express CardAgain, the various versions of the Amex Platinum and Amex Centurion cards also offer trip delay insurance. American Express cards that come with baggage insurance include:The Platinum Card® from American Express (including various versions)American Express® Gold Card (including various versions)American Express® Green Card (including various versions)Delta SkyMiles® Gold American Express CardDelta SkyMiles® Reserve American Express CardDelta SkyMiles® Platinum American Express CardMarriott Bonvoy Brilliant™ American Express® CardHilton Honors American Express Aspire CardHilton Honors American Express Surpass® CardHilton Honors American Express CardAmex EveryDay® Preferred Credit CardThe Plum Card® from American ExpressAmerican Express business cards with baggage insurance include:The Business Platinum Card® from American ExpressAmerican Express® Business Gold CardThe Blue Business® Plus Credit Card from American ExpressDelta SkyMiles® Gold Business American Express CardDelta SkyMiles® Reserve Business American Express CardDelta SkyMiles® Platinum Business American Express CardMarriott Bonvoy Business® American Express® CardThe Hilton Honors American Express Business CardLowe's Business Rewards Card from American ExpressAmazon Business Prime American Express CardAmazon Business American Express CardVarious versions of the Amex Centurion card and several Amex corporate cards also offer baggage insurance. American Express cards that come with secondary auto rental coverage include:The Platinum Card® from American Express (including various versions)American Express® Gold Card (including various versions)American Express® Green Card (including various versions)Delta SkyMiles® Blue American Express CardDelta SkyMiles® Gold American Express CardDelta SkyMiles® Platinum American Express CardDelta SkyMiles® Reserve American Express CardHilton Honors American Express CardHilton Honors American Express Surpass® CardHilton Honors American Express Aspire CardMarriott Bonvoy Brilliant™ American Express® CardMarriott Bonvoy American Express® Card (no longer available to new applicants)Blue Cash Everyday® Card from American ExpressBlue Cash Preferred® Card from American ExpressAmex EveryDay® Preferred Credit CardAmex Everyday® Credit Card from American ExpressAnd business cards from Amex that offer secondary car rental insurance include:The Business Platinum Card® from American ExpressAmerican Express® Business Gold CardDelta SkyMiles® Gold Business American Express CardDelta SkyMiles® Platinum Business American Express CardDelta SkyMiles® Reserve Business American Express CardThe Hilton Honors American Express Business CardMarriott Bonvoy Business® American Express® CardThe Blue Business® Plus Credit Card from American ExpressThis isn't a complete list — for all Amex cards offering car rental insurance, see this page.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). The information for the following product(s) has been collected independently by Business Insider: Capital One Savor Cash Rewards Credit Card†. Whereas traditional credit cards can easily be destroyed with scissors or a paper shredder, metal credit cards can be an enormous pain to get rid of. How to get rid of metal credit cardsSince you can't just throw your credit card with all your account details in the trash, you need to know your options when it comes to disposing of old or expired metal credit cards. Here are all the ways you can consider ditching your metal credit cards:Mail it back to the card issuerMajor banks that issue metal credit cards have their own solution to your indestructible card dilemma.

Persons: it's, Holly Johnson Freelance, Holly Johnson, Johnson Organizations: Business, Chase, American, American Express, U.S . News, Club Locations: U.S

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). This promotion grants Bank of America credit card and debit card holders free access to participating museums for the first full weekend of every month. Bank of America customers just need to show photo identification and their Bank of America credit card or debit card to gain free entry to participating museums. AdvertisementBank of America® Premium Rewards® Visa® credit cardIf you're interested in a rewards credit card, definitely check out the Bank of America® Premium Rewards® Visa® credit card. Bank of America® Travel Rewards Visa® credit cardIf you want to travel more than anything else and you like the idea of earning a flat rate of rewards, consider the Bank of America® Travel Rewards Visa® credit card.

Persons: —, You'll, you'll Organizations: Bank, America's, of America, Bank of America, Service, Bank of America's, Anchorage Museum, Museum of Modern Art, Denver Museum of Nature & Science, Bank of America Private Bank, The Bank of America Locations: United States, Alaska, New York City, Colorado, Bank

When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. The case for credit cards with high annual feesWhy in the world would anyone pay $450 or more to carry a credit card? The Hilton Honors American Express Aspire Card is a hotel credit card that comes with a $450 annual fee, but it's still insanely popular. Specifically, the majority of the most expensive travel credit cards give you airport lounge access, a credit for Global Entry or TSA PreCheck, and some sort of annual travel credit. Paying $450 or more for a travel credit card may make sense for your situation, but paying thousands in credit card card annual fees each year may not.

☆ Capital One Spark Miles for Business review: With a substantial welcome bonus offer and flexible options for using your miles, it's hard to beat
▼ + stars: | 2020-01-16 | by ( Holly Johnson | Freelance Writer | Read More | ) www.businessinsider.com time to read: +27 min

Many business credit cards offer cash back, travel rewards, or flexible points you can use in several different ways. With this flat-rate earning structure, with just one (new) bonus category, the Capital One Spark Miles for Business is one of the least-complicated business rewards credit cards available today. Spark Miles for Business cardholder benefitsThe Capital One Spark Miles for Business offers a lot of benefits that can make signing up a rewarding experience. You also get free employee cards, which can be especially useful if you have several employees and want to earn rewards on their business purchases. Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.

The rising costs of healthcare, longer life expectancies, and other factors have made traditional retirement more expensive than ever. It's time to "retire" some popular retirement advice that no longer makes sense in today's world. That's because Social Security benefits grow the longer you keep from taking them, until you reach age 70. Old advice: You'll probably die young, so plan for retirement accordinglyNew advice: Your money needs to lastFinally, we're no longer in the 1800s. In other words, retirement funds will need to last — especially if you hope to retire before the standard retirement age of 65.

☆ It might seem like travel bloggers write off lavish vacations and luxurious meals without a thought, but the reality is more complicated
▼ + stars: | 2019-09-18 | by ( Holly Johnson | Freelance Writer | Read More | ) www.businessinsider.com time to read: +14 min

Pros Check mark icon A check mark. Good for those with a complex tax situation that may need help navigating deductions and forms Check mark icon A check mark. Pros Check mark icon A check mark. Good for those with a complex tax situation that may need help navigating deductions and forms Check mark icon A check mark. Offers step-by-step guidance Check mark icon A check mark.

10'000 Hours/Getty ImagesIf you're using a debit card for everything you buy, you could be missing out on valuable perks and rewards. If you like to travel, check out travel rewards credit cards that come with benefits like airport lounge access, Global Entry or TSA PreCheck credits, or airline fee credits. Credit cards work best for consumers who are debt-free and able to stay that way. If you're thinking of making the switch from debit to credit, it's important to recognize the signs this could actually be a good idea. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Get the latest tips you need to manage your money — delivered to you biweekly. Based on these stats, even those who fall into the 1% aren't necessarily wealthy enough to eschew budgeting and ignore the pitfalls of modern consumerism. Here are some budgeting tips for the highest earners (and everyone else, too) from the experts who help them manage their money:1. Fee-only financial adviser Ryan Inman of Physician Wealth Services and FinancialResidency.com says this is why the first step of budgeting is understanding your financial goals. That way, you can have a plan for the money you're bringing in without turning your budget into a part-time job.

Our experts answer readers' personal loan questions and write unbiased product reviews (here's how we assess personal loans). Where secured loans require collateral, unsecured financing methods don't require any collateral at all. Unsecured loans and financial products can come in many different forms, but the underlying premise and agreement is the same. Interest rates tend to be higher on unsecured debts when compared to some types of secured debts. For people with bad credit, secured credit cards may be the only type of card they can qualify for.

Persons: —, they're Organizations: Service, Privacy, Consumers, Equity Lines of, Capital, Mastercard

I've budgeted $50,000 for travel in 2019, and I'm not the least bit sorry. That said, we also choose to spend on travel over other things, like living in a bigger home or driving fancier cars. Keep in mind though, we would spend considerably more on travel (or need to travel less) if not for points and miles. Travel is a learning experienceMy kids are 8 and 10 years old, and our travel experiences have exposed them to so much history. The bottom lineWhile $50,000 is a lot of money to spend on travel (or anything, really), I don't regret our travel splurges at all.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Credit card expert Holly Johnson has 26 different personal and business credit card accounts alongside her husband, but she doesn't carry all the cards at once. The answer to that question is no — of course I don't cram 26 different rewards and cash-back credit cards into my wallet. This is basically a blogger's dream credit card, and my husband runs our blog for a living. Curious which credit cards I use the most and why?

Using a SEP IRA, then a Solo 401(k), can let you save a lot for retirement. Jacob Lund/Shutterstock.comWriter Holly Johnson is self-employed, and she has used a SEP IRA and a Solo 401(k) to save for retirement. Contributions to a SEP IRA or a Solo 401(k) are calculated slightly differently, so it's important to compare both accounts when deciding which one to use. My husband was still working as a mortician, so nobody worried about our income or whether we had health insurance or a retirement plan. Initially, we rolled over all our accounts to Vanguard SEP IRA plans.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). The author of this article, Holly Johnson, has 26 credit cards, but she pays zero dollars in interest every month. This includes a combination of travel credit cards, business credit cards, cash-back credit cards, and flexible credit cards, basically all the various cards that give me free stuff when I spend money. It's easy to assume having lots of credit cards is the best way to rack up soul-crushing credit-card debt. Use a written monthly budgetThe best way to avoid debt with or without credit cards is using a written budget every month.

It's never too early to start thinking about next year's tax bill, and what you could deduct. Contributing to a tax-deferred account allows you to deduct contributions from your income, which will help you reduce your taxable income and save on your tax bill. After the $130,000, the Social Security percentage disappears, and you pay Medicare taxes (2.9%) on your entire income. Read more: 5 changes to expect when you file your tax return this yearOn a $150,000 profit, you will end up paying more than $20,000 in Social Security and Medicare taxes in addition to income taxes, noted Amedian. Contribute to a health savings account (HSA)Certified Public Accountant Riley Adams, who also blogs at Young and the Invested, wants to remind taxpayers it's never too late to open a health savings account, or HSA.

Persons: It's, —, it's, whittle, Dave Du Val, You'll, Du Val, Emil Abedian, Read, Max, Megan Gorman, Gorman, Riley Adams Organizations: Service, Internal Revenue Service, EA, Social Security, Social, Corporation, IRS, Financial Management, Worth Tax, Financial, Young Locations: Plenty

The bottom lineWhen it comes to travel rewards, there's a time to conserve and there's a time to splurge. Chase Sapphire Reserve® 4.4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star A tooltip Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Learn moreChase Sapphire Reserve® 4.4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star A tooltip Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Annual travel credit can effectively shave $300 off the annual fee if you use it Check mark icon A check mark. 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: —, that's, hasn't, aren't, Chase, there's, I'm, airfare, That's, we're, we've, it's Organizations: Air, Service, MSC, MSC Cruises, Citi, Mastercard, Airlines, Air France, Venture, Capital One, Chase, Card, Sapphire, TSA, Reading Chevron, American Airlines, Admirals Club, AA, Chevron, Business Locations: Europe, Air France, Italy, Florence, Rome, France, Spain, Chicago

☆ Most people don't realize Chase's Ultimate Rewards travel portal lets you redeem points for more than just flights and hotels — here's what else you can book
▼ + stars: | 2019-01-14 | by ( Holly Johnson | Freelance Writer | Read More | ) www.businessinsider.com time to read: +3 min

If you carry the Chase Sapphire Reserve, you get 50% more travel when you book through the Ultimate Rewards portal. Getty ImagesWhile many Chase Ultimate Rewards enthusiasts transfer points to hotel and airline partners, you can also use points to book "activities" through the Chase travel portal. The Chase Sapphire Reserve gives you 50% more travel when you book through the Chase portal, while you get 25% more travel with the Chase Sapphire Preferred Card. When they think about using their Chase Ultimate Rewards points, they focus mostly on airline and hotel partners, while maybe thinking of using their points to book flights or hotels through the Chase Ultimate Rewards portal. It's super easy to book activities and experiences through Chase if you know where to look within the Ultimate Rewards portal.

Two of the most popular flexible travel programs available are Chase Ultimate Rewards and Citi ThankYou Rewards. Chase Ultimate Rewards: Pros and consThe Chase Ultimate Rewards program has long been considered the most valuable flexible rewards program available. You must have a premier Chase travel credit card (Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card) to transfer points to airline and hotel partners. Citi ThankYou Rewards: Pros and consLike the Chase Ultimate Rewards program, Citi ThankYou Rewards offers a few different ways to redeem your points. If you're in the market for a new rewards program, make sure to consider both Chase Ultimate Rewards and Citi ThankYou Rewards.

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