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☆ The Chase trifecta: How to earn more travel rewards with your credit card
▼ + stars: | 2021-12-07 | by ( Jennifer Yellin | ) edition.cnn.com time to read: +17 min

We’re talking about the “Chase trifecta.” All three of these credit cards earn points in the Chase Ultimate Rewards points program, which is one of the best rewards programs around. On the other hand, the premium Chase travel cards do carry annual fees — anywhere between $95 and $550, depending on the card — and include the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, as well as the Ink Business Preferred℠ Credit Card for businesses. Chase Sapphire PreferredThe Chase Sapphire Preferred is one of Chase’s oldest travel credit cards. Chase Freedom FlexThe Chase Freedom Flex is next on our Chase trifecta list. It’s a no-annual-fee credit card that earns cash back, but again, it’s in the form of Ultimate Rewards points that can be moved to any other Ultimate Rewards credit card.

☆ Wyndham Rewards Earner Plus credit card review: A welcome bonus worth up to 6 free nights and automatic elite status for a moderate annual fee
▼ + stars: | 2021-11-05 | by ( Ariana Arghandewal | Read More | Read Less | ) www.businessinsider.com time to read: +29 min

Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.8 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Good to Excellent Marriott Bonvoy Boundless® Credit Card A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Annual Fee $95 Regular APR 18.99% - 25.99% Variable Credit Score Good to Excellent Chase Freedom Unlimited® A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE.

Earn 2 points per $1 spent on other qualifying travel purchases. The card earns 3 Guest Rewards points for every dollar spent on Amtrak travel, including all your visits to the food cart while onboard. If your travel routine varies, though, you're likely better off with a more versatile travel rewards credit card such as the Chase Sapphire Preferred® Card or the Bank of America® Premium Rewards® credit card. Bottom line: The Amtrak Guest Rewards® World Mastercard® is a good choice if you take Amtrak frequently and like to redeem points for train travel — but if you prefer flexibility, other travel rewards cards are likely a better option. Benefits and featuresThe extra perks for carrying the Amtrak Guest Rewards® World Mastercard® are best suited to those who travel with Amtrak frequently.

☆ 5 reasons to get the Chase Sapphire Preferred
▼ + stars: | 2021-08-18 | by ( Jennifer Yellin | ) edition.cnn.com time to read: +8 min

Let’s look at six benefits of the Chase Sapphire Preferred to see why it may deserve a place in your wallet. Pairing the Sapphire Preferred with other Chase credit cardsCombine points from the Chase Sapphire Preferred with other Chase Ultimate Rewards credit cards. But by also having the Chase Sapphire Preferred, you can move your points from the Freedom Flex to the Sapphire Preferred and redeem them at a higher 1.25 cents per point for travel. Even better, you’re covered even if you only pay for a portion of your flight with your Chase Sapphire Preferred. Apply now for the Chase Sapphire Preferred credit card with an 60,000-point bonus.

☆ World of Hyatt card review: With a welcome bonus of up to 60,000 points, a free night every year, and instant elite status, it's a keeper for most
▼ + stars: | 2021-08-10 | by ( Harlan Vaughn | Read More | Read Less | ) www.businessinsider.com time to read: +36 min

Read our review Read Our Review A looong arrow, pointing rightReview: Is the World of Hyatt Credit Card the best credit card for you? The World Of Hyatt Credit Card has valuable benefits for Hyatt loyalists. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.8 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE.

☆ The best ways to use the sign-up bonus on the Ink Business credit cards
▼ + stars: | 2021-06-28 | by ( Jennifer Yellin | ) edition.cnn.com time to read: +25 min

While the Chase Sapphire Preferred, Chase Sapphire Reserve and Ink Business Preferred allow you to transfer points to partner loyalty programs, that same redemption options doesn’t hold true for your no-annual-fee cards, such as the Ink Business Cash and Ink Business Unlimited. If you earn 90,000 bonus points from the Ink Business Cash or Ink Business Unlimited, you can use those points to stay at one of these all-inclusive properties for up to seven nights. While points earned from the Ink Business Cash or Ink Business Unlimited don’t count toward earning the Companion Pass, having the points can still be beneficial. When redeeming your Ultimate Rewards points directly through your Ink Business Cash or Ink Business Unlimited, points are worth 1 cent each. This makes the 90,000 bonus points on the Ink Business Cash and Ink Business Unlimited worth $1,125 to $1,350 towards your next vacation — when paired with a premium card.

The prices through credit card travel portals are often on par with booking directly through hotels. Depending on the issuer and type of credit card you carry, you might have access to special online booking portals where reservations include these sorts of freebies, too. Although you won't earn hotel points or credit toward elite status by booking through this portal, the $100 credit will likely make up for it. More Information Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Note that credit card lenders may use many different variations of credit score models when considering your application.

☆ Choice Privileges Visa Signature card review: This underrated card is a good choice for frequent Choice Hotels guests, with a bonus worth up to 4 free nights
▼ + stars: | 2021-05-13 | by ( Jasmin Baron | Read More | Read Less | ) www.businessinsider.com time to read: +25 min

The Choice Privileges Visa Signature Card, issued by Barclays, is worth considering if you stay at the Choice hotels frequently or like earning Choice points. Bottom line: The Choice Privileges Visa Signature Card offers a solid intro bonus and doesn't charge an annual fee, so it's a good choice for frequent Choice Hotels guests. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.8 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Apply now A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.6 out of 5 Stars Editor's Rating A tooltip OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE.

☆ Best credit cards with 100,000 bonus points
▼ + stars: | 2021-05-10 | by ( Jennifer Yellin | ) edition.cnn.com time to read: +19 min

So take a look at our list of the best credit cards with 100,000 bonus points or more and see which one is right for you. The best credit cards with 100,000 bonus points or moreHilton Honors American Express Surpass® Card: Best for Hilton hotelsIHG® Rewards Premier Credit Card: Best for IHG hotelsMarriott Bonvoy Boundless® Credit Card: Best for Marriott hotelsBritish Airways Visa Signature® Card: Best for short domestic flightsThe Business Platinum Card® from American Express: Best elite perks for businessesInk Business Preferred® Credit Card: Best travel card for businessesLet’s dive into the details of each of these cards and see how they compare and how much each bonus offer is actually worth. Based on the point valuations of frequent flyer website The Points Guy, those 130,000 bonus points are worth as much as $780 in travel. Additionally, there are two other IHG credit cards in the chain’s suite that are also offering more than 100,000 bonus points. With the Marriott Bonvoy Boundless Credit Card you can earn 100,000 bonus points after spending $3,000 on purchases in the first three months after you open the account.

Chase Ultimate Rewards and American Express Membership Rewards are the most popular credit card points programs. The Platinum Card and Chase Sapphire Preferred earn points in two different programs — American Express Membership Rewards and Chase Ultimate Rewards, respectively. An overview of American Express Membership RewardsThis brings us to the American Express Membership Rewards program, which is similar to the Chase Ultimate Rewards with a few key differences. The American Express Membership Rewards program includes the following transfer partners:Amex Membership Rewards transfer partners Aer Lingus: 1,000 points = 1,000 milesAeromexico: 1,000 points = 1,600 milesAir Canada: 1,000 points = 1,000 milesAir France-KLM Flying Blue: 1,000 points = 1,000 milesAlitalia: 1,000 points = 1,000 milesANA Mileage Club: 1,000 points = 1,000 milesAsia Miles: 1,000 points = 1,000 milesAvianca: 1,000 points = 1,000 milesBritish Airways: 1,000 points = 1,000 milesDelta SkyMiles: 1,000 points = 1,000 milesEl Al Israel: 1,000 points = 20 milesEmirates: 1,000 points = 1,000 milesEtihad Airways: 1,000 points = 1,000 milesHawaiian Airlines: 1,000 points = 1,000 milesIberia: 1,000 points = 1,000 milesJetBlue: 250 points = 200 milesQantas: 500 points = 500 milesSingapore Airlines: 1,000 points = 1,000 milesVirgin Atlantic: 1,000 points = 1,000 milesChoice Privileges: 1,000 points = 1,000 hotel pointsHilton Honors: 1,000 points = 2,000 hotel pointsMarriott Bonvoy: 1,000 points = 1,000 hotel pointsLike the Chase Ultimate Rewards program, American Express Membership Rewards offers the most bang for your buck when you transfer points to airline and hotel partners. American Express Membership Rewards points are worth, on average, 1.8 cents each according to Insider's points and miles valuations.

☆ The best first travel credit card: Chase Sapphire Preferred
▼ + stars: | 2021-04-20 | by ( Jennifer Yellin | ) edition.cnn.com time to read: +13 min

The Chase Sapphire Preferred has a terrific sign-up bonusThe Sapphire Preferred offers a large sign-up bonus that you can use for business class travel. The Sapphire Preferred earns bonus points on travel and diningThe Sapphire Preferred earns bonus points on all travel purchases, including public transportation. The Chase Sapphire Preferred’s travel protections have you coveredIf your flight is delayed or cancelled, the Chase Sapphire Preferred will help cover any unanticipated expenses. And while many travel credit cards offer auto rental damage coverage nowadays, the Chase Sapphire Preferred is one of the few travel credit cards that offer primary car rental coverage. Is the Chase Sapphire Preferred really the best first travel credit card?

☆ Chase Sapphire Preferred vs. Chase Sapphire Reserve
▼ + stars: | 2021-04-08 | by ( Darren Murph | ) edition.cnn.com time to read: +18 min

Both the Chase Sapphire Preferred Card and the Chase Sapphire Reserve are winners at their respective price points. The Chase Sapphire Preferred is aimed at the casual traveler, while the Chase Sapphire Reserve attempts to take the crown as the world’s most feature-packed, prestigious travel card anywhere. But as mentioned above, with the Chase Sapphire Reserve, you’ll get 1.5 cents per point when redeeming through the Chase travel portal. That means every point you earn on the Sapphire Reserve is worth an extra 20% over the Sapphire Preferred. Should you get the Sapphire Preferred or Sapphire Reserve?

Persons: Let’s, you’re, You’ll, you’ll, Sapphire Reserve’s, that’s, It’s, Chase, You'll, Josh Denmark Organizations: CNN, American Express, Chase, Chase Sapphire Reserve, Sapphire, Chase Sapphire, Target, Walmart, Sapphire Reserve, Airlines Aer Lingus AerClub Air Canada Aeroplan Air France, KLM Flying Blue British Airways Executive Club Emirates, JetBlue, Singapore Airlines, Rapid, United, Virgin Atlantic Flying, Hyatt, CSR, CSR cardholders, Reserve, Delta Sky, American, airfare, Amex, U.S . Customs Locations: Chase, Iberia, U.S

☆ Hilton Honors Surpass Amex credit card review
▼ + stars: | 2021-03-16 | by ( Holly Johnson | ) edition.cnn.com time to read: +14 min

Digging into the Hilton Amex Surpass cardIf you want a Hilton credit card with elite benefits but don’t want to pay hundreds of dollars in annual fees, the Hilton Honors American Express Surpass Card is a thoughtful middle-ground alternative. Finally, the Hilton Amex Surpass Card gives you a path to Hilton Diamond status, which is the highest tier of elite status the program offers. Advantages of the Hilton Amex Surpass cardThe Hilton Amex Surpass card comes with Gold elite status and some generous earning rates. Stacking up the Hilton Amex Surpass against our benchmarkCNN Underscored uses the Citi® Double Cash Card as our “benchmark” credit card. Meanwhile, the Hilton Honors American Express Aspire Card is the luxury travel credit card offered by Hilton.

You can redeem credit card points and miles for flights and hotels and save thousands on a Maldives vacation. Add to this the incredible blue lagoons, white-sand beaches, and plethora of options for using credit card rewards for travel, and the Maldives is possibly the best socially distanced vacation you'll find. How to use credit card rewards for flights to the MaldivesPrior to COVID-19, there were tons of options for getting to the Maldives using award miles. All of the Amex Hilton credit cards (Hilton Honors American Express Surpass® Card , Hilton Honors American Express Card, The Hilton Honors American Express Business Card, and Hilton Honors American Express Aspire Card) offer automatic Hilton elite status. Though it's not cheap, you can earn additional Hyatt points by opening The World Of Hyatt Credit Card or transferring points from Chase at a 1:1 ratio.

I was pleased to know that my husband didn't have any credit card debt at that time. We understood how credit worksIn order to help my husband get his credit score to 800, which is considered an excellent score, I first had to help myself and understand how credit works. He used the credit card — wiselyOnce he got the credit card, the next step was to focus on using it wisely. My key strategy in building my own credit was to use a quality credit card because it provides ongoing credit history. I've found that using a credit card wisely is one of the best ways to build positive credit history.

☆ IHG Premier vs Traveler: Which IHG credit card is best?
▼ + stars: | 2021-01-26 | by ( Jennifer Yellin | ) edition.cnn.com time to read: +13 min

The IHG Premier has one of the best returns you’ll find on any credit card for stays at IHG hotels, including Holiday Inns, and the IHG Traveler isn’t far behind. IHG credit card sign-up bonusesThe current sign-up bonus for the IHG Premier is 140,000 bonus points after spending $3,000 on the card within the first three months. IHG credit card benefitsBoth IHG credit cards come with the opportunity to earn IHG elite status, but the IHG Premier card has the upper hand by offering card holders complimentary Platinum status. Should you get the IHG Premier or IHG Traveler credit card? Thanks to all its benefits, we recommend the IHG Premier card over the IHG Traveler card.

☆ I spent only $400 on an all-inclusive honeymoon thanks to the IHG One Rewards Premier credit card, and it continues to save me money on travel
▼ + stars: | 2021-01-15 | by ( Choncé Maddox | 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). In addition, we each signed up for a Southwest Rapid Rewards credit card and easily earned the welcome bonus. The benefits of the Chase IHG card justify the annual feeThe IHG One Rewards Premier Credit Card has an $99 annual fee, but it's well worth it in my opinion. Is the IHG Premier Rewards credit card worth it? The IHG One Rewards Premier Credit Card may not be the most premium credit card available, but it's a strong contender and certainly a card that's worth keeping around.

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Earn IHG points through your elite statusEarning elite status with IHG can lead to even more benefits if you're someone who travels frequently. Redeem IHG points for dream vacationsYou can use your IHG points to stay at some of the most luxurious hotels and resorts in the world, whether you're in search of a romantic getaway, family vacation, solo travel escape, or dream honeymoon. Transfer IHG points to a friendThere's also an option to transfer IHG points to a friend or family member at a cost of $5 per 1,000 points, or buying them through IHG's website. Some of these redemptions are as low as 100 IHG points, so if you haven't had any activity in your account recently, this is a good way to keep your IHG points from expiring. Use IHG points to attend special eventsWhile there don't seem to be any concerts, sports, or special events at the moment due to the pandemic, this was a great way to put IHG points toward unique experiences.

☆ Amex has an invite-only Centurion 'black' card with a $5,000 annual fee and several luxury perks, but you can get many of its benefits with the Amex Platinum
▼ + stars: | 2020-11-03 | by ( Anna Baluch | Freelance Writer | Read More | ) www.businessinsider.com time to read: +16 min

Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Benefits of the Amex Centurion black cardThe Amex Centurion card isn't just a status symbol; it has some great perks, including some unique benefits like complimentary Delta elite status that you won't find on other cards. The Platinum Card and Amex Business Platinum Card offer status with Hilton and Marriott**, but not with IHG and Relais & Châteaux. Unsurprisingly, there's no comparable benefit on the Platinum Card and Amex Business Platinum Card cards. Read more: Amex Platinum card reviewIf you're a business user, the Amex Business Platinum Card is worth a look.

Credit cards with welcome bonuses of 100,000 points or moreFAQsAmerican Express Platinum CardWelcome bonus value: Rewards experts generally value American Express Membership Rewards points at two cents apiece, making this bonus worth a whopping $2,000 when transferring your points to travel partners. Welcome bonus value: Many travel rewards enthusiasts have estimated the value of Hilton Honors points at 0.5 cents per point, so 150,000 Hilton Honors points are worth $750 towards Hilton stays. Welcome bonus value: If you value Hilton Honors points at 0.5 cents per point, 130,000 points would be worth $650. Welcome bonus value: If you value Hilton Honors points at 0.5 cents per point, 130,000 points would be worth $650. How to earn the bonus: Earn a welcome bonus of 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening.

Your top priority should be paying down any existing credit card debt, potentially with a credit card that saves you money with an introductory APR offer. If you've opened several credit cards over the past few years, now is a great time to review your portfolio and make any necessary adjustments. But the recent economic upheaval may be impacting your ability to pay off your credit card balances. Nobody knows what credit card welcome offers might look like a few months down the road. One thing that is happening right now is that banks are limiting the marketing channels for credit cards.

I'll continue to pay the fees for the IHG® Rewards Club Premier Credit Card and The World Of Hyatt Credit Card because of their annual reward-night benefits. See Business Insider's list of the best travel-rewards credit cards. But before we get into which credit cards I'm canceling in 2020, let's touch on what happens to your points if you cancel a credit card. American Express® Gold Card — This is another card whose annual fee has gone up in the not too distant past. The annual free night (valid at Category 1 to 4 Hyatt hotels) is worth the $95 annual fee for me.

can be worth the high annual fees thanks to annual statement credits for airline incidental fees, Uber rides, and more. In some cases, it can be worth paying a high annual fee for a rewards card. But not every credit card annual fee is easy to justify — especially if you can't use all the benefits. There are plenty of cards with perks worth significantly more than the annual fee, but the key is to take a hard look at the benefits at evaluate how many of them you'll actually use. If you're not sure an annual fee is worth it, you do have several great rewards credit card options with no annual fees.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Credit card points are a back-up emergency fund. How I use credit card points as a second emergency fundMost emergencies involve some form of travel. I use the World of Hyatt Credit Card to earn Hyatt points, and I used to have the old IHG Rewards Club credit card as well. Points aren't a substitute for a real emergency fundCredit card points can come in handy for last-minute travel situations, but they're no substitute for a real emergency fund.

The Capital One Quicksilver Cash Rewards Credit Card is a great choice for consumers looking for a no-annual-fee credit card that has a generous welcome bonus. Like the Capital One SavorOne Cash Rewards Credit Card mentioned above, the Quicksilver card's bonus provides a 40% return. Best for airline and hotel loyalistsFAQsWhat is a credit card sign-up bonus? A credit card sign-up bonus is an incentive to entice consumers to open a new credit card and make purchases with the card. Our final picks are weighted heavily toward the highest five-year returns since it's generally wise to hold onto a credit card for years.

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