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☆ The best credit card for each type of purchase
▼ + stars: | 2023-03-20 | by ( Jennifer Yellin | ) edition.cnn.com time to read: +17 min

Since every credit card earns a different amount of points on your common category purchases, the bonus points earned might persuade you to get one credit card over another. Fortunately, there’s a credit card out there for every type of purchase. Let’s check out some of the best credit card to use for all of your spend categories. Best credit cards for each category purchase in 2023While the cards listed here are some of our favorites for their respective categories, they might not be the best for your needs. American Express Gold Card: Best for restaurantsThe Amex Gold card earns 4 points per dollar at restaurants in the U.S. and abroad.

CNBC Select asked Brian Walsh, a CFP and Senior Manager of Financial Planning at SoFi, to share some of his best tips for making travel more affordable. Plus, waiting too long could mean the more affordable hotel and vacation rental options fill up, leaving you stuck paying for pricey accommodations. Many travel rewards credit cards can make booking flights and hotels more affordable thanks to the large welcome bonuses they may offer. Capital One Venture Rewards Credit Card Learn More Information about the Capital One Venture Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. Remaining flexible and using rewards points when booking your travel plans is key to significant savings.

☆ The 5 best business credit cards for Amazon: Earn bonus rewards on Amazon purchases and services
▼ + stars: | 2023-03-13 | by ( Jason Stauffer | Elizabeth Gravier | ) www.cnbc.com time to read: +13 min

Regardless of what business expenses you have and the type of credit card rewards you prefer, there's a business card for you. Below, CNBC Select details the best credit cards for your Amazon business purchases, so you can make the best decision for your business or side hustle. The Amazon Business Prime American Express Card is the most rewarding credit card for Amazon business purchases. FAQsIf I have a personal Amazon credit card, can I still apply for a business Amazon credit card? Here's our analysisBottom lineThe right business credit card for your Amazon business purchases should be the most rewarding and offer benefits that align with your business' needs.

The Best 2% Cash Back Credit Cards of March 2023In terms of versatility, cash back is the most flexible credit card reward. The Best 2% Cash Back Credit CardsBest all-around 2% cash rewards credit card Wells Fargo Active Cash® Card 4.3 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.3 out of 5 Stars Intro offer $200 cash rewards bonus after spending $1,000 in purchases in the first three months from account opening Rewards Earn unlimited 2% cash rewards on purchases. Best All-around 2% Cash Rewards Credit CardThe Wells Fargo Active Cash® Card has no annual fee and earns a flat 2% cash rewards on purchases. Wells Fargo Active Cash card reviewBest 2% Cash Back Card for Balance TransfersLong considered the best cash back credit card, the Citi® Double Cash Card still holds its own despite new offerings from other issuers. How to Choose a 2% Cash Back Credit Card2% cash back credit cards offer some of the simplest credit card rewards around, and they're great for people who don't want to deal with bonus categories, transferring points, or shuffling several cards to get the best return on spending.

Pay down your credit card balancesIf you already have credit card debt, paying it off should become a priority. With credit card interest rates continuing to reach new heights, you don't want to get stuck with credit card debt if a recession hits. The credit utilization ratio, or how much of your available credit you're using, is the second most important credit factor after payment history. For that reason, it's best to get rid of credit card debt as soon as possible. You might also want to consider a 0% APR credit card (like the ones below) if you're anticipating big expenses.

That's where the Ink Business Cash Credit Card comes in handy, providing additional bonus categories to help me maximize all my spending. The Ink Business Cash Credit Card card earns 5% cash back on the first $25,000 in combined spending at office supply stores, and on internet, cable, and phone services every anniversary year — that's a pretty extensive spending category, so 5% is a substantial number for me. Overall, the Ink Business Cash card provides higher earning potential without me having to pay an annual fee. While that's an invaluable benefit, you don't have to pay for it if you have certain credit cards, including the Ink Business Cash card. Luckily, the Ink Business Cash card does provide primary coverage, so I won't have to pay extra for supplemental insurance as long as I charge the car rental to that card.

☆ Former monk Jay Shetty says ‘most successful, productive people don’t use to-do lists’—what he does instead
▼ + stars: | 2023-03-03 | by ( Natasha Piñon | ) www.cnbc.com time to read: +2 min

Jay Shetty, a former monk turned life coach, doesn't like to-do lists. "Most successful and productive people don't even use to-do lists," Shetty said on a recent episode of his "On Purpose" podcast. Timeboxing is when you move your to-do list into a calendar form, giving each task an allotted amount of time. That's far-cry from to-do lists, which are essentially the productivity equivalent of an infinite scroll. "Even if you ticked everything off your to-do list, there's always more to do and it feels overwhelming," Shetty said.

Balance transfer fee: Many balance transfer cards charge a fee per transfer. Learn more: How 0% APR cards work and how to complete a balance transferWhat credit score is required for 0% APR credit cards? Most 0% APR credit cards are reserved for consumers with good (670-739) or excellent (740 and greater) credit. 8 things to know before applyingWhat's the best way to use a 0% APR credit card? When you apply for a credit card (including a 0% APR card), you'll have a hard credit pull on your credit report, which typically comes with a dip of a few points in your credit score.

You'll get 60,000 Membership Rewards® points after you spend $4,000 in the first six months with the Amex Gold. The Amex Gold offers better rewards for frequent travelers, while the Capital Savor One is a better choice for those who spend more on entertainment. These benefits are rather common for annual-fee travel credit cards and available with the Amex Gold as well. For example, if you're good at navigating point transfers to get the best value, the Amex Gold can offer a higher yield. For rates and fees of the American Express® Gold Card, click here.

☆ American Express Airport Lounges Cut Back on Free Plus Ones
▼ + stars: | 2023-02-22 | by ( Dawn Gilbertson | ) www.wsj.com time to read: 1 min

PHOENIX—One of the top perks of access to airport lounges—bringing family members and partners along to eat, drink and relax for free—increasingly comes with a price tag. Maddie Davidson and her family hiked to the American Express Centurion Lounge in a neighboring concourse at Sky Harbor International Airport a few weeks ago to enjoy free breakfast and some mimosas before a flight to Orlando, Fla. She was surprised when the front desk agent at the lounge said the price for her husband and two children was $110.

The American Express Centurion Lounge in Seattle has catapulted from the smallest lounge to one of the biggest. American ExpressThe American Express Centurion Lounge in Seattle has expanded from 4,000 square feet to nearly 14,000 square feet. American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. However, this lounge brings to the table something no other Centurion Lounge offers: A full-service coffee bar, dubbed "Blue Roast by American Express." American ExpressWhat to know about the Seattle American Express Centurion LoungeThe Amex Centurion Lounge network continues to improve by adding new locations and expanding current ones.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Opening more than one of the same credit card could mean hundreds of dollars in value toward your next trip. How to get two (or more) of the same credit cardThe first thing to mention is that credit cards sometimes will not allow you to apply for a credit card that you already have. "Product changing" is the act of requesting that a credit card issuer changes the card you currently have to a card within the same family (generally a card that collects the same rewards). When product changing a credit card, you will almost never receive a welcome bonus with the new card.

Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Limited benefits beyond earning Hilton points Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Details Rewards Earn 12x Hilton Honors Points at Hilton per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Keep in mind that transferable credit card points — like Chase Ultimate Rewards®, Amex Membership Rewards, Citi ThankYou Rewards, and Capital One miles — are generally more valuable than hotel points or airline miles. That's worth around $500 in stays, according to Insider's valuation of Hilton points.

☆ How to earn, redeem, and maximize Hilton Honors rewards points — from luxurious Conrad resorts to family-friendly Hampton Inns, there are options for every traveler
▼ + stars: | 2023-02-10 | by ( Carissa Rawson | Freelance Writer | Read More | ) www.businessinsider.com time to read: +44 min

How to earn Hilton rewards pointsHilton has two main categories of points: bonus points, which help you earn rewards via special promotions, and elite-qualifying base points. You can do so at the following ratios:HawaiianMiles : 1 HawaiianMile = 1.5 Hilton Honors points: 1 HawaiianMile = 1.5 Hilton Honors points Virgin Atlantic Flying Club: 1 Virgin Atlantic point = 1.5 Hilton Honors pointsEarn Hilton points through your elite statusJoining Hilton Honors can be especially lucrative if you're on the road often. Finally, Lyft and Hilton have teamed up to offer 3x Hilton Honors points on Lyft rides, or 2x Hilton points for shared Lyft rides. Redeem Hilton Honors points for event creditsIt's also possible to redeem your points for events at a Hilton, though this isn't generally considered a good way to maximize your Hilton points value. Here's how much the credits cost:25,000 points = $5050,000 points = $10075,000 points = $150125,000 points = $250250,000 points = $500Exchange Hilton points for airline milesIf you'd rather have airline or rail points, you have the option to transfer Hilton points to partner airlines, though redemption rates vary.

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.

Below, they weigh in on today's tipping culture, who gets a gratuity and how much. Dr. Peters adds that tipped employees may also include most front-of-house restaurant employees, bellhops, parking attendants, airport service workers and food delivery workers. most restaurants), consider using the Capital One Savor Cash Rewards Credit Card. Capital One Savor Cash Rewards Credit Card Learn More Information about the Capital One Savor Cash Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. And when it comes to using delivery services, consider a card that gives cardholders money they can use to tip delivery workers.

Here's what credit score you'll need to qualify for the various Delta SkyMiles American Express cards. Small business owners have three Delta SkyMiles cards to choose from: Delta SkyMiles® Reserve Business American Express Card, Delta SkyMiles® Platinum Business American Express Card and the Delta SkyMiles® Gold Business American Express Card. Luckily, the business and personal Delta cards are considered separate products so if you had the Delta SkyMiles® Platinum American Express Card, for example, you'd still be able to earn the welcome bonus with the Delta SkyMiles® Platinum Business American Express Card. Bottom lineTo qualify for an Delta SkyMiles American Express card, you'll probably need a FICO® score of 670 or higher. For rates and fees of the Delta SkyMiles® Blue American Express Card card, click here.

The Capital One Spark Travel Elite, a premium travel business card, will be joining the Venture cards and getting a new name: the Capital One Venture X Business. Capital One Venture X Business benefitsThe Capital One Venture X Business will be a premium metal card with a new design. Here are some key features of the card: The Venture X Business is a charge card. Alternatively, you can look into the Capital One Venture X Rewards Credit Card. Capital One Venture X Rewards Credit Card Learn More Information about the Capital One Venture X Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

☆ 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.

Audit your loyalty accounts to know exactly how many points you have and which ones are on the verge of expiring. Buy points Sometimes loyalty programs will sell points at a discount and buying them can save you money on travel. Earn points The easiest way to earn points is to get a co-branded credit card. Most loyalty programs offer shopping portals and dining rewards programs where you can earn points without a fee. Dining rewards programs are even easier to earn points with — link your credit card with the program, dine at a participating restaurant and earn points.

Amex OffersThe Amex Blue Cash Preferred comes with access to the Amex Offers** program. As with most other cards, the Amex Blue Cash Preferred charges fees for late payments, returned payments, and cash advances. Here's our comparison of the Blue Cash Preferred and Blue Cash Everyday to help you decide which is best for your wallet. Is the Amex Blue Cash Preferred a credit card or charge card? You can't transfer cash back (Reward Dollars) from the Amex Blue Cash Preferred to other Amex cards like The Platinum Card® from American Express or the American Express® Gold Card.

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.

You can also get a rewards credit card to get cash back or travel miles on everything you buy. Capital One Venture Rewards Credit Card Learn More Information about the Capital One Venture Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. The Capital One Venture X Rewards Credit Card is one of the more affordable cards in this category. Capital One Venture X Rewards Credit Card Learn More Information about the Capital One Venture X Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. There are many types of coverage you can get with credit card travel insurance.

With the Amex trifecta — Platinum, Gold, and Blue Business Plus — you can supercharge your Membership Rewards points earning. Why earn Amex Membership Rewards points? For all these reasons, I'm focused on earning as many Membership Rewards points as I can right now. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).

☆ 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.

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