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Big-spending American Airlines credit card holders could do very well with upcoming changes to the AAdvantage frequent flyer program. American Airlines credit card holders will be able to earn Choice Rewards without flying. Let's take a look at the most notable changes and see why the biggest beneficiaries are those who do a lot of spending on American Airlines credit cards. American Airlines credit cards earn Loyalty Points at varying rates, with some even offering large bonuses after meeting annual spending thresholds. Importantly, you can now reap all the benefits of every tier of elite status simply by swiping your American Airlines credit card — if you've got the ability to spend a lot.

If you have Hertz elite status — even from a credit card — you can gift it to a friend for free for 12 months. George Rose/Getty ImagesPresident's Circle is the top-tier elite status offered by Hertz, and it's a perk offered by The Platinum Card® from American Express ** and Capital One Venture X Rewards Credit Card. ** and Capital One Venture X Rewards Credit Card. 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. And be sure to remind them to use a credit card that offers primary rental car insurance.

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. You can pay rent with it, you can get your oil changed with it, or you can pay your credit card bill with it. You'll be hard-pressed to find a cash-back credit card that offers such a high return on select spending. Alternative: The Citi® Double Cash Card is another wildly popular credit card for all your non-bonused spending. The card earns 1% back when you make a purchase and 1% back when you pay your credit card — giving you effectively 2% back for all your spending.

The Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card are both great small-business credit cards from Chase, with no annual fee and identical welcome offers. Chase offers a trio of great credit cards for small businesses: the Ink Business Preferred® Credit Card, Ink Business Cash® Credit Card, and the Ink Business Unlimited® Credit Card. Ink Cash vs Ink Unlimited Ink Business Cash® Credit CardInk Business Unlimited® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. As for the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card (which earn cash back in the form of Chase Ultimate Rewards® points), their benefits are quite similar. If you have a card that earns transferable Ultimate Rewards points, you can get even more value from your spending by moving your points from the Ink Business Cash® Credit Card or Ink Business Unlimited® Credit Card to one of these cards.

Chase Ultimate Rewards® points are one of the highest regarded rewards currencies in the world of points and miles. Cards that earn Ultimate Rewards pointsBefore jumping in, let's start with a rundown of credit cards that earn transferrable Chase Ultimate Rewards® points:Chase Sapphire Preferred® Card Learn More On Chase’s secure site Rewards $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, and 1X points on all other purchasesWelcome bonus Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. Transferring Chase Ultimate Rewards points to Marriott with a 40% bonusAt the time, I hardly had any Marriott points to my name. Bottom lineMarriott Bonvoy probably isn't the first transfer partner for which folks collect Chase Ultimate Rewards points.

☆ The premium Capital One Venture X is actually just as affordable as the Capital One Venture — here's why the Venture X is a better pick for most travelers
▼ + stars: | 2022-12-07 | by ( Joseph Hostetler | Credit Cards Reporter | Read More | ) www.businessinsider.com time to read: +20 min

Two of the most popular travel rewards credit cards right now are the Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card. Compare the Capital One Venture and Venture X Capital One Venture X Rewards Credit CardCapital One Venture Rewards Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. I'll show you how that's possible — and help you decide if the premium Capital One Venture X is a better option for you. Travel insuranceThe Capital One Venture X is a Visa Infinite card, a title donned by only the most premium Visa cards. Which benefits do the Capital One Venture and Venture X have in common?

You can use British Airways Avios points for much more than just flights on British Airways. EQRoy/Shutterstock.comBritish Airways Avios is the rewards currency of British Airways, the UK's flag carrier. British Airways Avios points are extremely easy to collect, with an impressive seven transfer partners. $95 Apply now On Wells Fargo's website Apply now On Citi's website Apply now On Chase's websiteThankfully, British Airways now gives you the option to pay dramatically less in fuel surcharges — but there's a catch. British Airways introduces 'Reward Flight Saver' option for all flightsBefore this change, it wouldn't be uncommon to find round-trip transatlantic award flights on British Airways with between $550 and $1,900 in taxes and fees attached (depending on the cabin).

Thomas Pallini/InsiderThe Capital One Venture X Rewards Credit Card offers Priority Pass Select airport lounge membership. But late last week, Capital One quietly updated the Priority Pass lounge access rules for the Capital One Venture X Rewards Credit Card. Now, instead of the Capital One Venture X Rewards Credit Card as the undisputed king of Priority Pass credit cards, your Priority Pass-conferring airport credit card will take a bit more deliberation. The Ritz Carlton Credit Card, while not publicly available, is still the best credit card for Priority Pass lounges because: It comes with a Priority Pass Select membership that gives you access to Priority Pass restaurants and non-lounge experiences. The Capital One Venture X Rewards Credit Card is the first Visa credit card to drop access to discounts at participating Priority Pass restaurants and other non-lounge experiences.

☆ Delta Sky Club lounge access is becoming super exclusive — making the Amex Platinum and Delta Reserve cards more valuable than ever
▼ + stars: | 2022-12-02 | by ( Joseph Hostetler | Credit Cards Reporter | Read More | ) www.businessinsider.com time to read: +16 min

If you've got a qualifying Amex card, such as The Platinum Card® from American Express , you don't have to worry about these new rules. But they're excellent news for anyone with a flavor of The Platinum Card® from American Express or Delta SkyMiles® Reserve American Express Card. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Day passes will also increase to $50 for those with cards like the Delta SkyMiles® Platinum American Express Card. The Delta SkyMiles® Reserve American Express Card charges a $550 annual fee ($145 cheaper than purchasing an annual membership).

Hyatt's latest promotion gives you 1,000 bonus points after you stay at least two eligible nights at any Hyatt Place or Hyatt House hotel worldwide. Hyatt points are valuable, and this card earns 2x points on several bonus categories Check mark icon A check mark. With this latest promotion, you'll earn 1,000 bonus points when staying at Hyatt Place or Hyatt House. Insider's valuations estimate that Hyatt points are worth an average of 1.5 cents each. If you already make a habit of staying at Hyatt Place or Hyatt House, these points will come in extra handy.

Insider's experts choose the best products and services to help make smart decisions with your money (here’s how). Welcome to Personal Finance Insider, a biweekly newsletter that connects you with the stories, strategies, and tips you need to be better with money. Financial planner Alex Alba told Insider it's important to pad your emergency fund, especially if you're worried about layoffs. Financial planner Pamela Capalad recommends a high-yield savings account for this purpose. High-yield savings are offered by major banks, and many accounts are currently paying 3% or more.

☆ Your Amex Platinum hotel credit expires at the end of the year — here's what you need to do by December 31 to avoid wasting $200 in value
▼ + stars: | 2022-12-01 | by ( Joseph Hostetler | Credit Cards Reporter | Read More | ) www.businessinsider.com time to read: +13 min

American Express; Rachel Mendelson/InsiderThe Platinum Card® from American Express comes with up to $200 in hotel credits each calendar year. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Head to Amex TravelNavigate to the Amex Travel hotel finder to search for a hotel. Again, only hotels that participate in Amex Fine Hotels & Resorts or The Hotel Collection will trigger this $200 hotel credit. Book a prepaid rate to trigger your hotel creditThis $200 hotel credit is only valid for prepaid bookings.

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Read our review Read Our Review A looong arrow, pointing rightThe best credit cards for good credit reviewsMany of the best credit cards for good credit offer generous rewards and 0% introductory APR offers with no annual fee. The Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card are offering record-high new welcome bonuses. Review: Citi Custom Cash card reviewCredit cards for good credit frequently asked questions (FAQ)What is a good credit score? If you're rebuilding your credit, it's best not to focus on rewards credit cards until you've solved the issues leading to a score that hovers around 600. Even if you simply don't have enough credit history to warrant a score approaching 700, consider a secured credit card or a student credit card.

Mary Meisenzahl/InsiderEarning credit card sign-up bonuses is the fastest way to earn rewards for (nearly) free travel. If you don't think you can meet the spending requirement to earn a card bonus, there are tricks to help you get there (without overspending). Note that credit card lenders may use many different variations of credit score models when considering your application. Let's take a look at a few powerful ways to meet credit card minimum spending requirements. Pay your rent or mortgageThere are a few services that let you pay your rent or mortgage by credit card.

Amex Platinum; InsiderThe Platinum Card® from American Express offers a ton of value from its welcome bonus and benefits. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Choose an airline for the Amex Platinum incidental fee creditOne of the biggest perks of the Platinum Card is a yearly airline incidental fee credit. Add your Amex Platinum card to your Uber accountThe Platinum Card offers cardholders up to $200 in Uber Cash credits** each calendar year. Bottom lineThe Platinum Card® from American Express comes with potentially thousands of dollars in statement credits and benefits each year.

☆ 10 Amex Business Platinum card benefits you'll want to activate right away, so you can enjoy hotel elite status, statement credits, and more
▼ + stars: | 2022-11-29 | by ( Caroline Lupini | Joseph Hostetler | Freelance Reporter | ) www.businessinsider.com time to read: +16 min

Thomas Pallini/InsiderThe Business Platinum Card® from American Express offers luxury benefits and rewards. The Business Platinum Card® from American Express is packed full of benefits that are perfect for small business owners — including freelancers and remote workers. Here are 10 things you should do when you first get The Business Platinum Card® from American Express. More travel benefits than you'll find on any other business credit card Check mark icon A check mark. But by paying with The Business Platinum Card® from American Express, you'll get a statement credit of up to $189 back**.

Venmo will not allow you to pay Amazon with a credit card, handcuffing its potential for rewards earning. The most recent addition is Amazon; Venmo is officially an option when paying for your Amazon cart. If possible, you should always be using a rewards credit card for Amazon purchases. To be clear, you cannot pay for Amazon purchases with a credit card through Venmo. Instead of making purchases with a payment method that won't yield any return, pay Amazon directly with a rewards credit card instead.

If you're a Prime customer who uses a cash back credit card with Amazon, you should already have the Chase Amazon Prime Card. Mike Segar/ReutersThe Amazon Prime Rewards Visa Signature Card is a cash back-earning powerhouse for Amazon and Whole Foods spending. Read Insider's guide to the best credit cards for Amazon purchases. The Amazon Prime Rewards Visa Signature Card earns up to 25% back on select Amazon purchases — with a minimum earning rate of 5% back for Prime cardmembers. Bottom lineThe Amazon Prime Rewards Visa Signature Card is hands-down the best credit card for Amazon spending.

Bilt Mastercard® holders will also get eight days to earn bonus rewards, up to a max of 50,000 points. For December's Rent Day, Bilt is giving you a 100% transfer bonus to IHG, the chance to earn up to 50,000 bonus points, and more. To earn points with the Bilt Mastercard®, you must use your card at least five times per statement period. That makes your Bilt Rewards worth 1.4 cents each when transferring to IHG during this 100% transfer bonus. You'll earn 2,500 Bilt points per friend you refer to the Bilt Mastercard® — and 10,000 bonus points after successfully referring five members.

Earning a credit card bonus or extra rewards can take the sting out of an expensive home-improvement project. 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. Note that credit card lenders may use many different variations of credit score models when considering your application. Review: Citi Double Cash card reviewBest credit cards for home improvement frequently asked questions (FAQ)What is the best credit card for home improvement?

Michael M. Santiago/Getty ImagesCredit card issuers are getting too caught up in quantity of perks instead of focusing on quality. Cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer potentially thousands of dollars in niche benefits. Intro Offer Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. 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. I'd rather have a card with five astonishing benefits than a card with 12 neat benefits.

Your credit card could get you access to high-demand events like Taylor Swift's latest concert. Jun Sato/TAS18/Getty ImagesMany credit card issuers offer access to presale, preferred seating, and VIP ticket offers. Read our review Read Our Review A looong arrow, pointing rightIf you have a Citi credit card or debit card, you can access exclusive ticket offers through the Citi Entertainment program. Note that credit card lenders may use many different variations of credit score models when considering your application. Don't wait until a day or two before presale to open a credit card that'll give you this access, as you won't receive it in time.

Which Amex card is right for you? The Platinum Card, Amex Gold Card, and Amex Green Card are all good choices if you want to earn Amex points. Regular travelers will likely get more value from the Platinum Card or Amex Green Card because of the day-of-travel perks they provide. The Platinum Card® from American Express offers a welcome bonus of 80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership. Insider's valuations peg Amex Membership Rewards points as worth 1.8 cents each, on average, in travel.

If you don't have a Citi credit card, Citi provides an immediate number upon approval of some cards. One such opportunity is happening right now: Citi credit card holders get early access to Pink's Summer Carnival 2.0 tour through November 20, 2022. If you've got a Citi credit card, that means one thing for you: The ability to purchase tickets before everyone else. If you have a Citi credit card, such as the Citi Premier® Card, Citi® Double Cash Card, or Citi Rewards+® Card , you're at the very front of the line. However, some Citi credit cards will instantly issue you a credit card number upon approval.

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.

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