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In this guide, we'll give you a crash course on how to quickly earn credit card rewards and book free travel. 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. 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.

Chase Freedom Flex℠ and Chase Freedom® cardholders can activate the Q1 bonus categories through their Chase account starting December 15, 2022, until March 14, 2023. How Chase Freedom quarterly bonus categories workEach quarter of the year, the Chase Freedom Flex℠ and Chase Freedom® cards earn 5% back (or 5x points) on a different set of bonus categories. That's why you can think of the Chase Freedom Flex℠ and Chase Freedom® bonus categories as earning you either 5% back or 5x points. Previous Chase Freedom quarterly bonus categoriesFor Q4 2022 (October through December), the Chase Freedom bonus categories are Walmart and PayPal. Right now, there are alternative bonuses available directly through Chase for the Freedom cards — find out more in our guide to the current Chase Freedom offers and in our Chase Freedom Flex review.

The Chase Freedom Flex℠ is worth considering on its own, but you can actually boost the value of your rewards when you pair it with certain other Chase credit cards, including the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Ink Business Preferred® Credit Card. Chase Freedom Flex benefits and featuresThe Chase Freedom Flex℠ comes with substantial purchase and travel protections, including select World Elite Mastercard benefits that you don't often find on no-annual-fee cards. Read our review Read Our Review A looong arrow, pointing rightChase Freedom Flex fees and costsThe Chase Freedom Flex℠ doesn't charge an annual fee, so it's a great long-term keeper card. The Chase Freedom Unlimited® and Chase Freedom Flex℠ are both excellent cards, but they're suited to different types of users. If you're torn between the Chase Freedom Flex℠ and Chase Freedom Unlimited®, have a look at our comparison of the two Freedom cards to narrow down your choice.

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.

It's impossible to name one single best credit card, given the wide range of benefits, rewards, and annual fees available. Show more Regular Annual Percentage Rate (APR) 19.74% - 26.74% Variable Editor's Rating 4.8 /5 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 Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Show more Regular Annual Percentage Rate (APR) 20.74% - 27.74% Variable Editor's Rating 4.65 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.65 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Read our review Read Our Review A looong arrow, pointing rightBest secured rewards card for building credit Discover it® Secured Credit Card 5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 5 out of 5 Stars Intro offer Unlimited Cashback Match – only from Discover. Show more Regular Annual Percentage Rate (APR) 26.74% Variable Editor's Rating 5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 5 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

If you use third-party payment platforms, like PayPal, Venmo or Cash App, to collect payments for your side gig or business, the Internal Revenue Service (IRS) wants to remind you to report payments of at least $600. Before 2022, third-party transactions for business owners and side hustlers followed different thresholds: individuals needed to report gross payments exceeding $20,000 and report earnings if they had more than 200 such transactions, according to the IRS. According to the IRS, you should receive this form from each third-party payment platform you received transactions through. If you need to hire a professional, consider using a business credit card, like the Ink Business Unlimited® Credit Card or the American Express Blue Business Cash Card, so you can get rewarded for the business expense. The Ink Business card lets you earn 1.5% cash back on all business-related expenses and the Blue Business Cash card gives you 2% cash back on eligible business purchases.

Here's everything you need to know about paying your taxes with a credit card and the best cards to use. How to pay taxes with a credit cardYou'll have to pay your taxes through a third-party payment processor if you want to use a credit card, and they all charge credit card processing fees. If you want to pay state taxes or local taxes (like property taxes) with a credit card, you can try seeing if your tax agency accepts credit cards and charges reasonable fees. You should only pay your taxes with a credit card if you can afford to pay off your credit card bill immediately. Pay taxes with a credit card frequently asked questions (FAQ)Is there a cash advance fee if I pay taxes with a credit card?

☆ A Microsoft Leader’s COP27 Takeaway: It’s Time for Companies to Get Things Done
▼ + stars: | 2022-12-01 | by ( Dieter Holger | ) www.wsj.com time to read: +9 min

Microsoft Corp. President Brad Smith says there are plenty of emerging opportunities for business leaders to take climate action. The executive who has helped spearhead the tech giant’s sustainability efforts says companies need to step up and do their part. I thought some of the European companies were present but not with senior leadership, not with as many senior leaders as a year ago. But I think if you look over the next 30 years, companies are going to locate manufacturing where there is green energy. It really does serve the world well and our individual companies well if we can standardize some aspects of this.

You don't need to worry about paying a high annual fee to open a small business credit card that's worthwhile. But the below small business credit cards are the best of the best if you're not willing to pony up just yet. Review: Amex Blue Business Plus card reviewWhy the Amex Blue Business Cash card is worth it: The American Express Blue Business Cash Card earns cardholders straightforward cash-back on all eligible purchases. Review: Chase Ink Business Unlimited card reviewWhy the Chase Ink Business Cash card is worth it: The Ink Business Cash® credit card is a great option for businesses looking to maximize their spending at office supply stores, internet, cable, restaurants, and more. Review: Ink Business Cash card reviewWhy the Triple Cash Rewards Mastercard is worth it: The U.S. Bank Business Triple Cash Rewards Card is ideal if you're looking for a card with a generous bonus and intro APR.

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.

It's impossible to name one single best credit card, given the wide range of benefits, rewards, and annual fees available. Show more Regular Annual Percentage Rate (APR) 18.99% - 25.99% Variable Editor's Rating 4.8 /5 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 Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Show more Regular Annual Percentage Rate (APR) 19.99% - 26.99% Variable Editor's Rating 4.65 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.65 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Read our review Read Our Review A looong arrow, pointing rightBest secured rewards card for building credit Discover it® Secured Credit Card 5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 5 out of 5 Stars Intro offer Unlimited Cashback Match – only from Discover. Show more Regular Annual Percentage Rate (APR) 25.99% Variable Editor's Rating 5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 5 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

It's impossible to name one single best credit card, given the wide range of benefits, rewards, and annual fees available. Best secured rewards card for building credit Intro Offer Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best business credit card Intro Offer Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Read our review Read Our Review A looong arrow, pointing rightBest secured rewards card for building credit Discover it® Secured Credit Card 5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 5 out of 5 Stars Intro offer Unlimited Cashback Match – only from Discover. Show more Regular Annual Percentage Rate (APR) 25.99% Variable Editor's Rating 5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 5 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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.

If you redeem United Airlines miles for award flights, the United Excursionist Perk is a great way to get more from your rewards. Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Our recommendation Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best if you're not loyal to United Intro Offer Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best United Airlines credit card for business travelers Intro Offer Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Show more Regular Annual Percentage Rate (APR) 19.99% - 26.99% Variable Editor's Rating 4.65 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.65 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Details Rewards Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. It earns 2x Chase Ultimate Rewards points on travel (outside of purchases made through Chase Ultimate Rewards) and 3x points on dining. The cash back is actually earned in the form of Chase Ultimate Rewards points. It's the best card to use for dining out, takeout, and food delivery in New York City because you'll earn 4 American Express Membership Rewards points per dollar spent.

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.

United Quest; InsiderChanges to the United MileagePlus frequent flyer program make the United Quest℠ Card more useful for frequent flyers. Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases. Other United Quest card benefitsThe United Quest℠ Card also comes with a host of additional benefits, including travel and purchase protection and free first and second checked bags. Each account anniversary year, you'll see $125 come back to your statement in reimbursement for United purchases charged to the card. Only the United Quest℠ Card and United Club℠ Infinite Card earn PQPs through spending, but unlike with the United Club℠ Infinite Card, the $125 flight credit will offset half of the United Quest℠ Card's annual fee.

If you're looking for a no-annual-fee cash-back credit card, the Chase Freedom Unlimited® and Citi® Double Cash Card are worth considering. Compare the Citi Double Cash and Chase Freedom Unlimited Citi® Double Cash CardChase Freedom Unlimited® Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Here's how the Chase Freedom Unlimited® and the Citi® Double Cash Card stack up. The Chase Freedom Unlimited® earns:5% cash back (5x points) on travel purchased through Chase Ultimate Rewards3% cash back (3x points) on dining, restaurant, and drugstore purchases1.5% cash back (1.5x points) on all other purchasesWinner: Chase Freedom Unlimited®Redeeming rewardsThe Chase Freedom Unlimited® issues rewards as Chase Ultimate Rewards points. However, Chase Freedom Unlimited® has slightly higher reward opportunities and better benefits, and it has a welcome bonus offer.

☆ The Chase Sapphire Reserve now offers complimentary Lyft Pink All Access membership, with ride discounts, priority pickup, unlimited bike rides, and more
▼ + stars: | 2022-11-15 | by ( Tessa Campbell | Personal Finance Reviews Fellow | Read More | ) www.businessinsider.com time to read: +14 min

The Chase Sapphire Reserve just got a new Lyft Pink All Access benefit that can save cardholders a bunch of cash. Cardholders already earn 10x Chase Ultimate Rewards points on rideshares, scooters, and other Lyft transportation services (offer ends March 2025). But if that's not enticing enough of an offer for you, Sapphire Reserve cardholders are now getting two years of Lyft Pink All Access membership. If you frequently spend on Lyft and want to earn valuable Chase Ultimate Rewards® points, then activating the Lyft Pink All Access membership is a no-brainer. Having your Sapphire Reserve as your default payment method also means you'll earn 10x points on Lyft purchases.

Find the right card with Uber and Lyft perks Capital One Savor Cash Rewards Credit CardChase Sapphire Reserve®Ink Business Preferred® Credit CardCapital One SavorOne Cash Rewards Credit CardChase Sapphire Preferred® Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Note that credit card lenders may use many different variations of credit score models when considering your application. Annual fee: $95Other benefits: This is one of the best small-business cards on the market thanks to perks such as:Review: Ink Business Preferred credit card reviewCapital One SavorOne Cash Rewards Credit CardWhy use it for rideshares: The Capital One SavorOne Cash Rewards Credit Card card has Uber-related benefits that are identical to the Capital One Savor Cash Rewards Credit Card. Credit cards for Uber and Lyft frequently asked questions (FAQ)What is the best credit card for rideshare expenses? The best credit card for rideshare expenses isn't necessarily the best credit card for you.

☆ The newly launched Citi AT&T Points Plus Card can earn you up to $240 in statement credits each year — but there's a $12,000 catch
▼ + stars: | 2022-11-14 | by ( Joseph Hostetler | Credit Cards Reporter | Read More | ) www.businessinsider.com time to read: +14 min

The new Citi AT&T Points Plus card is worth a look if you're an AT&T customer. Citi; InsiderCiti has announced a new credit card: The AT&T Points Plus℠ Card .. Let's take a quick look at the AT&T Points Plus℠ Card to see if it fits your situation. Here's how it works:Set your AT&T Points Plus℠ Card as your autopayment method on your AT&T wireless bill. Transfer Citi ThankYou points to airline and hotel partnersAgain, this card earns Citi ThankYou points.

When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge - The Centurion® Studio Partner. American Express issues seven co-branded Delta credit cards, and the Delta SkyMiles® Reserve Business American Express Card is the most premium small-business version. Delta Reserve Business benefits and featuresAs a premium card, the Delta SkyMiles® Reserve Business American Express Card offers a wide range of benefits that can help offset its substantial annual fee. Delta Sky Club airport lounge accessThe Delta SkyMiles® Reserve Business American Express Card's most compelling benefit is Delta Sky Club airport lounge access. So if you have or had other Delta cards, like the personal Delta SkyMiles® Reserve American Express Card or another Delta business card like the Delta SkyMiles® Platinum Business American Express Card, you're still eligible to apply and earn the bonus from the Delta SkyMiles® Reserve Business American Express Card.

☆ Delta SkyMiles Gold Business American Express card review: Earn a 50,000-mile bonus and get potentially hundreds in ongoing benefits for Delta flyers
▼ + stars: | 2022-11-14 | by ( Joseph Hostetler | Credit Cards Reporter | Read More | ) www.businessinsider.com time to read: +31 min

How to earn miles from the Delta SkyMiles Gold Business cardThe Delta SkyMiles® Gold Business American Express Card isn't a fabulous choice for everyday spending. Also, note that you won't qualify for the Delta SkyMiles® Gold Business American Express Card welcome bonus offer if you've previously held this card. If you already have or had other Delta cards, like the Delta SkyMiles® Platinum Business American Express Card or the personal Delta SkyMiles® Gold American Express Card , you are still eligible for this card's welcome bonus offer. When you earn Delta miles with your Delta SkyMiles® Gold Business American Express Card, your rewards will automatically deposit into your Delta account. If you're only an occasional Delta flyer, the Delta SkyMiles® Gold Business American Express Card is likely the better card for you.

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