PenFed Premium Travel Rewards American Express®, Credit Cards, travel rewards credit

PENFED PREMIUM TRAVEL REWARDS AMERICAN EXPRESS® CARD

Apply before becoming a member.

After your application, we’ll help you:

1. Discover how you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

PRODUCT SNAPSHOT

Earn More Points Across The Globe

Major journeys deserve major rewards. Whether you’re shopping small or planning a thousand- mile trip, we want to give back to you. Earn more from your miles and get where you need to be.

  • 5x Points** on airline purchases
  • 1x Points** on other purchases
  • 20,000 Bonus Points Spend $2,500 within 3 months of opening an account
  • 0% Promo APR On balance transfers for 12 months. 3% balance transfer fee. Subject to credit approval. Read More
  • Favorable Fees No annual fees and no foreign transaction fees
  • Enhanced Security EMV chip enabled for added security

PenFed Premium Travel Rewards American Express Balanace Transfer Terms

% APR promotional balance transfer rate for on transfers made between . After that, the APR for the unpaid balance and any new balance transfers will be % to % based on your creditworthiness and will vary with the market based on the Prime Rate. A % balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance in full each month by the payment due date.

Apply before becoming a member.

After your application, we’ll help you:

1. Discover you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

*Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate.

Cardholders may sign up for free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.

Rate and offers current as of and are subject to change.

**Cash advances, credit card checks, and balance transfers are excluded from earning reward points. View pricing lists cardholder agreements (PDF).

The PenFed Premium Travel Rewards American Express® Credit Card program is issued and administered by PenFed. Refer to American Express Benefits Information (PDF) for complete program rules, terms and conditions. American Express® is a federally registered Service mark of American Express® and is used by PenFed pursuant to a license.





09/04/2018

Posted In: NEWS

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Best Travel Credit Cards in Canada, travel rewards credit cards.#Travel #rewards

Best Travel Credit Cards in Canada

Do you want to travel more for less? Use a travel rewards credit card for your everyday purchases to earn travel points, which can later be redeemed for flights, hotels and a number of other related expenses. Input your spending, then compare, find and apply for the best travel rewards credit card in Canada.

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If you need any help comparison shopping, read our frequently asked questions below:

Why should I get a travel rewards credit card?

If you love to travel, and use your credit card to pay for all of your everyday purchases, a travel rewards credit card is one of the easiest ways to save on travel-related expenses. Based on the card you choose, you will earn a certain number of travel points for every dollar spent on the card. These points can then be redeemed for anything from flights, hotel stays, bus and ferry fares, taxi fares, ski rentals, baggage charges, airport parking and more.

The other bonus of a travel rewards credit card is the different insurance policies that may come with it. When you use your card to book your trip, or redeem points towards the trip or service, some of the best travel rewards credit cards can also include complimentary travel medical insurance, trip cancellation and trip interruption insurance, flight delay and baggage coverage, and collision and damage insurance for rental cars.

How can I redeem the travel points I collect?

Depending on the travel rewards program attached to your card, your travel points can be redeemed either by exchanging your points or miles for a certain dollar value of your travel expense, or by using the points or miles directly to make the purchase.

One thing to consider: When you’re redeeming your travel points, booking well in advance of your travel date is recommended, as prices will typically be lower and there will be more availability. It’s also important to keep in mind that some travel rewards credit cards charge a booking fee, taxes or fuel surcharges, when you redeem points. It’s worth comparing the fine print of any card that you’re considering getting, in order to see how the points are valued, how they’re redeemed and what restrictions apply.

How can I compare the best travel rewards programs?

When you’re doing your research and comparing travel rewards credit cards, it’s important to understand how each card values its points. Every rewards program in Canada is different, so you should read the card agreement for guidelines and restrictions – or you can compare them on our site, as we’ve done the hard work for you on our rewards charts. There may also be a number of different cards available within each program – try using our rewards calculators to find the one which suits you best.

Best Travel Credit Cards in Canada 2017

Scotiabank Gold American Express Card – Best Rewards Travel Credit Card

The Scotiabank Gold American Express card has one of the highest earn rates in Canada, giving you 4 Scotia Rewards points for every dollar (that’s 4% back in travel rewards) spent on eligible gas, groceries, entertainment, and restaurant purchases (on the first $50,000), and 1 point per dollar for everything else. The card’s annual fee is $99.

This card is a winner for its flexibility when redeeming points. There are no blackout dates or seat restrictions with your rewards so you can book your travel through Scotia Rewards Travel Service, a full-service travel agency. Alternatively, you can book your travel on your own and then redeem your points online later. Don’t have enough points for your trip? You can pay the remainder of the balance. Cardholders get complimentary concierge services and access to Priority Pass memberships at a 35% discount.

BMO World Elite MasterCard – Best “Anytime, Anywhere” Travel Credit Card

For convenience purposes, the BMO World Elite MasterCard is one of the best cards out there. All purchases earn 2 BMO Rewards points per dollar spent which works out to 2% back in travel rewards, with an annual fee of $150. Your points can be used on any airline with no blackout dates, and covers all flight charges and taxes.

Looking for more value? The card also includes a standard Priority Pass airport lounge membership that renews every year as an anniversary bonus (US$99 value), plus four free VIP lounge visits per year (US$108 value). In addition, you’ll get concierge service and a comprehensive insurance package. BMO’s travel centre will also match the price of any lower fares you find.

American Express Gold Rewards Card – Best Flexible Travel Credit Card

The most appealing aspect of the American Express Gold Rewards card is the Membership Rewards you can earn. New applicants will earn 25,000 bonus points after charging $1,500 to your card within the first three months of membership. Those points can then be transferred to frequent flyer programs including Aeroplan and Avios on a 1:1 basis. Those 25,000 points could also be used as a statement credit towards travel which has a value of $250.

The card does come with an annual fee of $150, but the first year is waived. One free supplementary card ($50 value) is available to help you earn points faster. Speaking of earning points fast, you earn 2 points per dollar spent on eligible gas, grocery, travel, and pharmacy purchases while all other purchases earn you 1 point per dollar spent. A comprehensive travel insurance package is also included.

Starwood Preferred Guest Credit Card from American Express – Best Hotel Points Credit Card

At first glance, the Starwood Preferred Guest Credit Card from American Express may look like a simple hotel loyalty card, but it’s one of the better hotel and flight cards available.

You’ll earn 1 Starpoint per dollar spent on the card. Your Starwood points can be transferred to Marriott Rewards at a 1:3 ratio giving you access to more than 5,800 properties in 110+ countries. Cardholders also have the option to transfer Starpoints to over 30 airline loyalty programs at a 1:1 ratio. You’ll even get an additional 5,000 bonus points for every 20,000 Starpoints transferred to airlines for a ratio of 1:1.25. There is an annual fee of $120, but a comprehensive travel insurance package is included.

Scotiabank American Express Card – Best No Fee Travel Credit Card

If you’re looking for a travel rewards card with no annual fee, the Scotiabank American Express card is a good choice. For every dollar you spend on eligible purchases, you’ll earn 2 Scotia Rewards points – that’s 2% back in travel rewards.

Cardholders can book their own travel online and then redeem their points later, or they can use Scotia Rewards Travel Service, a full-service travel agency. There are no blackout dates or seat restrictions when claiming points which gives you maximum flexibility.

Travel emergency medical, trip interruption, rental car collision loss/damage, and travel accident Insurance is included. In addition, you’ll get access to special offers, events and experiences with American Express Invites.





09/04/2018

Posted In: NEWS

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Best Travel Credit Cards in Canada, travel rewards credit cards.#Travel #rewards

Best Travel Credit Cards in Canada

Do you want to travel more for less? Use a travel rewards credit card for your everyday purchases to earn travel points, which can later be redeemed for flights, hotels and a number of other related expenses. Input your spending, then compare, find and apply for the best travel rewards credit card in Canada.

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If you need any help comparison shopping, read our frequently asked questions below:

Why should I get a travel rewards credit card?

If you love to travel, and use your credit card to pay for all of your everyday purchases, a travel rewards credit card is one of the easiest ways to save on travel-related expenses. Based on the card you choose, you will earn a certain number of travel points for every dollar spent on the card. These points can then be redeemed for anything from flights, hotel stays, bus and ferry fares, taxi fares, ski rentals, baggage charges, airport parking and more.

The other bonus of a travel rewards credit card is the different insurance policies that may come with it. When you use your card to book your trip, or redeem points towards the trip or service, some of the best travel rewards credit cards can also include complimentary travel medical insurance, trip cancellation and trip interruption insurance, flight delay and baggage coverage, and collision and damage insurance for rental cars.

How can I redeem the travel points I collect?

Depending on the travel rewards program attached to your card, your travel points can be redeemed either by exchanging your points or miles for a certain dollar value of your travel expense, or by using the points or miles directly to make the purchase.

One thing to consider: When you’re redeeming your travel points, booking well in advance of your travel date is recommended, as prices will typically be lower and there will be more availability. It’s also important to keep in mind that some travel rewards credit cards charge a booking fee, taxes or fuel surcharges, when you redeem points. It’s worth comparing the fine print of any card that you’re considering getting, in order to see how the points are valued, how they’re redeemed and what restrictions apply.

How can I compare the best travel rewards programs?

When you’re doing your research and comparing travel rewards credit cards, it’s important to understand how each card values its points. Every rewards program in Canada is different, so you should read the card agreement for guidelines and restrictions – or you can compare them on our site, as we’ve done the hard work for you on our rewards charts. There may also be a number of different cards available within each program – try using our rewards calculators to find the one which suits you best.

Best Travel Credit Cards in Canada 2017

Scotiabank Gold American Express Card – Best Rewards Travel Credit Card

The Scotiabank Gold American Express card has one of the highest earn rates in Canada, giving you 4 Scotia Rewards points for every dollar (that’s 4% back in travel rewards) spent on eligible gas, groceries, entertainment, and restaurant purchases (on the first $50,000), and 1 point per dollar for everything else. The card’s annual fee is $99.

This card is a winner for its flexibility when redeeming points. There are no blackout dates or seat restrictions with your rewards so you can book your travel through Scotia Rewards Travel Service, a full-service travel agency. Alternatively, you can book your travel on your own and then redeem your points online later. Don’t have enough points for your trip? You can pay the remainder of the balance. Cardholders get complimentary concierge services and access to Priority Pass memberships at a 35% discount.

BMO World Elite MasterCard – Best “Anytime, Anywhere” Travel Credit Card

For convenience purposes, the BMO World Elite MasterCard is one of the best cards out there. All purchases earn 2 BMO Rewards points per dollar spent which works out to 2% back in travel rewards, with an annual fee of $150. Your points can be used on any airline with no blackout dates, and covers all flight charges and taxes.

Looking for more value? The card also includes a standard Priority Pass airport lounge membership that renews every year as an anniversary bonus (US$99 value), plus four free VIP lounge visits per year (US$108 value). In addition, you’ll get concierge service and a comprehensive insurance package. BMO’s travel centre will also match the price of any lower fares you find.

American Express Gold Rewards Card – Best Flexible Travel Credit Card

The most appealing aspect of the American Express Gold Rewards card is the Membership Rewards you can earn. New applicants will earn 25,000 bonus points after charging $1,500 to your card within the first three months of membership. Those points can then be transferred to frequent flyer programs including Aeroplan and Avios on a 1:1 basis. Those 25,000 points could also be used as a statement credit towards travel which has a value of $250.

The card does come with an annual fee of $150, but the first year is waived. One free supplementary card ($50 value) is available to help you earn points faster. Speaking of earning points fast, you earn 2 points per dollar spent on eligible gas, grocery, travel, and pharmacy purchases while all other purchases earn you 1 point per dollar spent. A comprehensive travel insurance package is also included.

Starwood Preferred Guest Credit Card from American Express – Best Hotel Points Credit Card

At first glance, the Starwood Preferred Guest Credit Card from American Express may look like a simple hotel loyalty card, but it’s one of the better hotel and flight cards available.

You’ll earn 1 Starpoint per dollar spent on the card. Your Starwood points can be transferred to Marriott Rewards at a 1:3 ratio giving you access to more than 5,800 properties in 110+ countries. Cardholders also have the option to transfer Starpoints to over 30 airline loyalty programs at a 1:1 ratio. You’ll even get an additional 5,000 bonus points for every 20,000 Starpoints transferred to airlines for a ratio of 1:1.25. There is an annual fee of $120, but a comprehensive travel insurance package is included.

Scotiabank American Express Card – Best No Fee Travel Credit Card

If you’re looking for a travel rewards card with no annual fee, the Scotiabank American Express card is a good choice. For every dollar you spend on eligible purchases, you’ll earn 2 Scotia Rewards points – that’s 2% back in travel rewards.

Cardholders can book their own travel online and then redeem their points later, or they can use Scotia Rewards Travel Service, a full-service travel agency. There are no blackout dates or seat restrictions when claiming points which gives you maximum flexibility.

Travel emergency medical, trip interruption, rental car collision loss/damage, and travel accident Insurance is included. In addition, you’ll get access to special offers, events and experiences with American Express Invites.





09/04/2018

Posted In: NEWS

Tags: , , ,

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Best Travel Credit Cards in Canada, travel rewards credit cards.#Travel #rewards

Best Travel Credit Cards in Canada

Do you want to travel more for less? Use a travel rewards credit card for your everyday purchases to earn travel points, which can later be redeemed for flights, hotels and a number of other related expenses. Input your spending, then compare, find and apply for the best travel rewards credit card in Canada.

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If you need any help comparison shopping, read our frequently asked questions below:

Why should I get a travel rewards credit card?

If you love to travel, and use your credit card to pay for all of your everyday purchases, a travel rewards credit card is one of the easiest ways to save on travel-related expenses. Based on the card you choose, you will earn a certain number of travel points for every dollar spent on the card. These points can then be redeemed for anything from flights, hotel stays, bus and ferry fares, taxi fares, ski rentals, baggage charges, airport parking and more.

The other bonus of a travel rewards credit card is the different insurance policies that may come with it. When you use your card to book your trip, or redeem points towards the trip or service, some of the best travel rewards credit cards can also include complimentary travel medical insurance, trip cancellation and trip interruption insurance, flight delay and baggage coverage, and collision and damage insurance for rental cars.

How can I redeem the travel points I collect?

Depending on the travel rewards program attached to your card, your travel points can be redeemed either by exchanging your points or miles for a certain dollar value of your travel expense, or by using the points or miles directly to make the purchase.

One thing to consider: When you’re redeeming your travel points, booking well in advance of your travel date is recommended, as prices will typically be lower and there will be more availability. It’s also important to keep in mind that some travel rewards credit cards charge a booking fee, taxes or fuel surcharges, when you redeem points. It’s worth comparing the fine print of any card that you’re considering getting, in order to see how the points are valued, how they’re redeemed and what restrictions apply.

How can I compare the best travel rewards programs?

When you’re doing your research and comparing travel rewards credit cards, it’s important to understand how each card values its points. Every rewards program in Canada is different, so you should read the card agreement for guidelines and restrictions – or you can compare them on our site, as we’ve done the hard work for you on our rewards charts. There may also be a number of different cards available within each program – try using our rewards calculators to find the one which suits you best.

Best Travel Credit Cards in Canada 2017

Scotiabank Gold American Express Card – Best Rewards Travel Credit Card

The Scotiabank Gold American Express card has one of the highest earn rates in Canada, giving you 4 Scotia Rewards points for every dollar (that’s 4% back in travel rewards) spent on eligible gas, groceries, entertainment, and restaurant purchases (on the first $50,000), and 1 point per dollar for everything else. The card’s annual fee is $99.

This card is a winner for its flexibility when redeeming points. There are no blackout dates or seat restrictions with your rewards so you can book your travel through Scotia Rewards Travel Service, a full-service travel agency. Alternatively, you can book your travel on your own and then redeem your points online later. Don’t have enough points for your trip? You can pay the remainder of the balance. Cardholders get complimentary concierge services and access to Priority Pass memberships at a 35% discount.

BMO World Elite MasterCard – Best “Anytime, Anywhere” Travel Credit Card

For convenience purposes, the BMO World Elite MasterCard is one of the best cards out there. All purchases earn 2 BMO Rewards points per dollar spent which works out to 2% back in travel rewards, with an annual fee of $150. Your points can be used on any airline with no blackout dates, and covers all flight charges and taxes.

Looking for more value? The card also includes a standard Priority Pass airport lounge membership that renews every year as an anniversary bonus (US$99 value), plus four free VIP lounge visits per year (US$108 value). In addition, you’ll get concierge service and a comprehensive insurance package. BMO’s travel centre will also match the price of any lower fares you find.

American Express Gold Rewards Card – Best Flexible Travel Credit Card

The most appealing aspect of the American Express Gold Rewards card is the Membership Rewards you can earn. New applicants will earn 25,000 bonus points after charging $1,500 to your card within the first three months of membership. Those points can then be transferred to frequent flyer programs including Aeroplan and Avios on a 1:1 basis. Those 25,000 points could also be used as a statement credit towards travel which has a value of $250.

The card does come with an annual fee of $150, but the first year is waived. One free supplementary card ($50 value) is available to help you earn points faster. Speaking of earning points fast, you earn 2 points per dollar spent on eligible gas, grocery, travel, and pharmacy purchases while all other purchases earn you 1 point per dollar spent. A comprehensive travel insurance package is also included.

Starwood Preferred Guest Credit Card from American Express – Best Hotel Points Credit Card

At first glance, the Starwood Preferred Guest Credit Card from American Express may look like a simple hotel loyalty card, but it’s one of the better hotel and flight cards available.

You’ll earn 1 Starpoint per dollar spent on the card. Your Starwood points can be transferred to Marriott Rewards at a 1:3 ratio giving you access to more than 5,800 properties in 110+ countries. Cardholders also have the option to transfer Starpoints to over 30 airline loyalty programs at a 1:1 ratio. You’ll even get an additional 5,000 bonus points for every 20,000 Starpoints transferred to airlines for a ratio of 1:1.25. There is an annual fee of $120, but a comprehensive travel insurance package is included.

Scotiabank American Express Card – Best No Fee Travel Credit Card

If you’re looking for a travel rewards card with no annual fee, the Scotiabank American Express card is a good choice. For every dollar you spend on eligible purchases, you’ll earn 2 Scotia Rewards points – that’s 2% back in travel rewards.

Cardholders can book their own travel online and then redeem their points later, or they can use Scotia Rewards Travel Service, a full-service travel agency. There are no blackout dates or seat restrictions when claiming points which gives you maximum flexibility.

Travel emergency medical, trip interruption, rental car collision loss/damage, and travel accident Insurance is included. In addition, you’ll get access to special offers, events and experiences with American Express Invites.





08/04/2018

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Travel Money Guide – Using Credit Cards Abroad – MoneySuperMarket UK,

Travel credit cardsMoneySuperMarket.com

Primary Navigation

Travel credit cards

Using credit cards on holiday

Taking your credit card with you on holiday can save you from having to carry around wads of cash. But you need to watch out as many will charge you for using them abroad. The good news though is that some are designed specifically for overseas use and as a result, can make a great addition to your wallet.

Taking a credit card abroad

The average credit card can be useful for spreading the cost of a purchase over several months without paying interest, or collecting loyalty points and earning cashback but it might not be the right card to take with you on holiday.

Many of these cards will charge you when you use them overseas in three different ways:

  • Foreign exchange fee Just as you would find with most debit cards, if you use your credit card to pay for goods overseas, you could be hit with a foreign exchange fee/loading charge of around 2.75%.
  • Cash withdrawal fees If you use your credit card to withdraw cash, you may also have to pay a fee of around 2%-3% of the amount you withdraw (as you would with many debit cards).
  • Interest charges If you don’t pay off your credit card balance in full, you’ll be charged interest on it unless it offers a 0% window. But even if it does offer 0% on purchases, this won’t apply to cash withdrawals and you’ll be charged interest from the day of the withdrawal

It s therefore best to avoid ATM cash withdrawals on a credit card altogether when you re away. If you re going to need cash for smaller ticket items, refreshments and public transport, it s best to take some foreign currency abroad with you, as well as your credit card.

Get the right card

However, you shouldn’t be put off using a credit card abroad as, providing you pick the right one, they can be a great travel companion. Many offer competitive exchange rates and a number of them allow you to avoid some, if not all, of the above charges, making them ideal for your holiday spending. You can compare these on our comparison tables.

Watch out for dynamic currency conversion

When paying with a credit card abroad, the retailer may (or may not) give you the option to pay your bill in your own currency, rather than the local one, using dynamic currency conversion.

While this is convenient, as you can get an idea of the value of your purchase, it comes at a price. You ll be charged a higher exchange rate for dynamic currency conversion, which isn’t worth paying.

The retailer might automatically use dynamic currency conversion unless you say not to, so it s best to check your bill carefully before signing anything or entering your PIN. If they have used dynamic currency conversion, ask to be billed in the local currency instead.





11/03/2018

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Credit Cards – RBC Royal Bank, travel credit cards.#Travel #credit #cards

Credit Cards

Travel credit cards

Instant Fuel Savings at Petro Canada

Link your eligible RBC credit and debit cards to your Petro-Points card to save on fuel and earn points faster + .

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Travel credit cards

Let us help you find the right credit card in 30 seconds or less.

Travel credit cards

Compare up to 3 cards with our easy to use Comparison Tool.

Travel credit cards

Get convenient access to everything you need to manage your credit card.

Popular Choices

RBC Visa Infinite Avion
RBC Rewards + Visa
RBC Cash Back Mastercard
RBC Visa Business Platinum Avion
RBC Visa Classic Low Rate Option

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Thinking about a travel rewards card?

Learn what separates Avion from its competitors

Travel, shop, give, save.

There’s so much you can do with RBC Rewards points – and so many ways to earn them.

Manage Your Card

View Top Credit Card FAQs

If you’ll be travelling soon and plan to use your credit card or client card, you no longer need to tell us you’ll be away from home. We have industry-leading fraud detection systems that protect you and your accounts from suspicious or unauthorized transactions. Just make sure we have your up-to-date contact information so we can reach you if necessary. To view or update your contact information, sign in to Online Banking and select Profile and Preferences from the Banking tab.

Every Client Card has shared daily and weekly limits for ATM withdrawals and Point-of-Sale transactions. There are separate limits for online transfers.

Depending on the type of account you have and how long you’ve been a client, the limits can vary. If you want to know what your limits are, or increase them, give us a call at 1-800-769-2511.

When you make a transaction at a chip-enabled terminal with your RBC Chip and PIN credit card, you’re in control. The process is quick and easy and your card should never leave your sight:

  1. Rather than swiping your card, it will be inserted into the terminal and left there for the entire transaction. Removing the card will terminate the transaction.
  2. You will follow the prompts on the screen and enter your PIN instead of verifying the transaction with your signature.
  3. When the transaction is complete, you will remove your card when prompted and wait for the receipt.

If the store or restaurant does not yet have a chip-enabled terminal, your card will be swiped and you will sign the receipt as you do today.

If you are a commercial cardholder, please call

We are all concerned about privacy and security issues including identity theft and fraud. RBC is committed to protecting you, but at the same time, you face decisions every day about what personal information you divulge and how you conduct yourself online. Find out what steps you can take to protect yourself and keep your information secure.

  • Learn More

Authorized Transactions are those that still need to be settled by a retailer or service provider. Most transactions stay authorized for 3-5 days. When a retailer or service provider finishes the work on their end, the transaction will move to Posted Transactions.

Posted Transactions are 100% complete. We’ve paid the retailer or service provider and charged the transaction to your credit card.

Sometimes you’ll see an Authorized Transaction that doesn’t match the final amount of your purchase. Don’t worry. Some businesses (like gas stations and hotels) ask us to pre-authorize an amount before you’ve finished your purchase. Once we settle the charge, you’ll see the actual amount you spent in your Posted Transactions.

If you do see an item in your Posted Transactions that isn’t what you expected, contact us at 1-800-769-2512. We’ll be happy to go through it with you.





14/01/2018

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Travel Gift Cards and Certificates #travel #around #the #world

#gifto travel
#

Top 15 Travel Gift Cards and Certificates

By Susan Breslow Sardone. Honeymoons & Romantic Travel Expert

Susan Breslow Sardone is the Web’s foremost expert on Honeymoons and Romantic Getaways and the author of Destination Weddings For Dummies . She has been an About.com Expert since 1997.

This site was named “Best of the Web in Romantic Travel” by Forbes.com, and The Week magazine echoed that praise.

In 2015 she was elected president of the elite New York Travel Writers Association and is a member of the Society of American Travel Writers Editors’ Council.

On Honeymoons/Romantic Getaways from About.com you can travel with her to the best places in the world for couples and let her show you how to plan a memorable vacation. You can also follow Susan Breslow Sardone on Twitter and join Fans of Romantic Getaways on Facebook .

Stumped for a gift? Travel gift cards and certificates can solve that problem. They allow recipients to choose when they want to travel and where they want to go. (And they can help to ensure a recalcitrant traveler will get moving!)

Depending on when you buy travel gift cards, you may be able to take advantage of promotional offers that can include free shipping, a free gift, even a small gift certificate for yourself to accompany the purchase.





12/11/2017

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0% Balance Transfer Credit Cards With No Fee – Best Deals


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MoneySuperMarket.com

Promoted Navigation

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No-fee balance transfer

  • Rewards No rewards
  • Representative APR (variable) 18.9% APR
  • Your chance of approval

    Great for You can transfer a balance to this card with no fee for the first 90 days You may be eligible to apply for this card even if you’ve already got another Halifax credit card. Excludes Student Credit Card customers, conditions apply But be aware that You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances There’s no balance transfer fee for the first 90 days. After that it goes up to 3% You can’t transfer a balance from another card issued by Halifax

    Representative Example:

    If you spend 1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

    Balance transfer 0% for 28 months Then 18.95%

    Purchases 0% for 3 months Then 18.95%

  • Rewards Nectar
  • Representative APR (variable) 18.9% APR
  • Your chance of approval

    Great for Earn 2 Nectar points for every £1 you spend on Sainsbury’s shopping and fuel with this card. Earn 1 Nectar point per £5 elsewhere 5,000 bonus Nectar points – spend £250 in a Sainsbury’s store in the first month from account opening. Ends 28th August 2017 If your application is approved you are guaranteed to get the 0% interest period advertised But be aware that You might get a different interest rate to the one shown here, because this depends on your circumstances You’re not eligible if you’ve already got another Sainsbury’s credit card In the first 3 months a 1.5% balance transfer fee is charged and then fully refunded directly to your account within 60 days. 3% fee thereafter (min. £3)

    Representative Example:

    If you spend 1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

    Balance transfer 0% for 24 months Then 18.9%

    Purchases 0% for 6 months Then 18.9%

  • Rewards Entertainment
  • Representative APR (variable) 18.9% APR
  • Your chance of approval

    Great for UBER OFFER: Use your Barclaycard to pay for your rides with Uber and every 11th ride is free, up to £15. T ?>

    23/09/2017

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  • Apply for credit cards with bad credit, does paying off credit


    #

    Credit cards for Less than Average Credit History

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Credit Card Offers for Poor Credit Rating

    Credit cards are the most up-to-date way to manage one’s expenses. But not everybody has good credit to take the best online card offers. At Rebuild-Credit-Cards.com customers can find online offers for bad credit history, limited and no credit history cards.

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    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Does paying off credit cards help credit score

    Rebuild-Credit-Cards.Com strives to keep credit card information up to date and accurate. However, all the credit card information is presented without warranty and can be changed by the credit card issuers at any time. Click the “Apply online” button to see the online credit card application and to review current credit card terms and conditions. Note that Rebuild-Credit-Cards.Com can be compensated by credit card issuers when the visitors apply for a credit card through the website.

    *See the credit card’s terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won’t change. Click the “Apply Online” button and review the current info on the secure credit card terms page.


    23/09/2017

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    Compare Credit Cards, Bank Accounts, Savings & More #compareandsave.com, #compare #credit


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    2017 compare andsave .com is a trading name of Freedom Marketing Ltd.
    Freedom Marketing Ltd is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority, firm reference number 493117. This can be checked at http://www.fca.org.uk/register. Registered in England & Wales under registration number 05349340. The company’s registered office is Freedom Marketing Limited, Colchester Centre, Hawkins Road, Colchester, Essex, United Kingdom, CO2 8JX.

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    18/09/2017

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    Credit Cards for Balance Transfer Online #credit #cards, #credit #card, #balance


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    Top Credit Cards with Balance Transfer

    Promotional Financing Spurs Buying Decisions, Says Survey
    September 10, 2015

    When making major purchases—spending $500 or more—people are swayed by promotional financing offers, such as credit cards that carry a 0% APR for the first year or longer. A consumer study from Synchrony Financial showed that 75% of cardholders look for promotio[. ]

    QUESTIONS about cards

    Q Do store credit cards help build credit.

    Store credit cards do help people with poor credit establish or rebuild their credit history if used carefully and wisely.[. ]

    Having a plastic with a high APR is not profitable: most part of your payments go for covering your interest. The excellent method of reducing finance charge is to apply for a balance transfer credit card. It gives you the opportunity to put an instant freeze on your interest payments and attack your outstanding credit card balance.

    If you have several debts, you can consolidate them on one less-costly balance transfer credit card. You will have only one payment rather than several to worry about. Be attentive to the limit of your new plastic – it should be high enough to accommodate your debts fully.

    Sometimes credit companies charge a balance transfer fee. It can be a flat rate, for example $30, or a percentage of the amount you will transfer – from 1% to 5%. The first variant can be more beneficial if your balance is large.

    Balance transfer credit cards can differ in their features. Don’t hurry: compare all perks and benefits. There are various offers with moderate fees, lucrative rewards program and reasonable APR on purchases. Check all offers at AllAboutCredit.net and find the most suitable plastic for yourself!

    Balance transfer credit cards come with low or 0% interest rates for a fixed period of time or for the life of your balance. The decision which credit card deal to choose depends on your financial needs.

    Credit cards with low or 0% introductory rates are mainly targeted at people who want to pay off their debt in full within the introductory period. It can last from 6 to 12 months, but you can find special offers which come with an introductory period of up to 15 months.

    Having zero introductory APR is a good start of your relationships with a new credit company. If you make on time payments and do not max out your credit limit, you will prove to be a valuable and reliable customer and improve your credit score. It is an excellent reason for negotiating a low interest rate when your introductory period is over.

    Balance transfer credit cards with a fixed APR can be a good choice for people who have a heavy debt that requires a long time to be paid in full. Despite of the fact that these plastics do not offer tempting zero interest rates, you can be sure that your APR remains low for the life of your balance. It may turn to be more beneficial in the long run.

    No matter which APR is more suitable for you – fixed or introductory, you can always find the best balance transfer credit card offers on AllAboutCredit.net. We have collected a great selection of the most attractive offers from major US credit companies, for example MasterCard or Discover. Choose the card that matches you best and apply online!

    made for free. Estimate your credit report to find credit cards with low interest and balance transfers available for your type of credit.

    You can compare business credit cards to find 0% APR balance transfer credit cards and 0% APR credit cards to get an almost interest-free loan for your business. Apply for student credit cards you like or choose one of our credit cards for consumers. Apply online for the credit card you like most.

    Many consumer credit cards with rewards support balance transfers. They include cash back rewards credit cards, gasoline credit cards, hotel credit cards and credit cards for airlines. Feel free to compare these credit card offers and apply online for the credit cards that suits you best.

    At AllAboutCredit.net you can compare credit cards, choose from the best offers that include instant online approval credit cards, and Chase credit cards with balance transfers, and apply online. Here you can make the best deals for credit cards, so do it now!

    Best Credit Cards

    AllAboutCredit.net provides a wide range of the best credit cards for consumers and businesses with different types of credit. As new offers tend to appear quite often, it takes time to find the plastics that suit you most. Here you can find all credit cards that proved to have profitable and favorable features. Feel free to compare them and apply online.

    The best credit cards at our site include instant approval credit cards. They let you avoid long tiresome waiting – you will find out whether you have qualified or not for a plastic within several minutes. Also check our low APR credit cards. They are a great way to save money on all your purchases, no matter what you buy: everyday necessities or more expensive items. If you want avoid charges for the yearly maintenance of your account, choose credit cards with no annual fee.

    AllAboutCredit.net gives you a good opportunity to find the best credit cards online. estimate their features according to your requirements and apply online for a credit card that suits your lifestyle and type of spending. Our credit card offers are popular with many customers, so don’t waste time: select the best credit card and apply online!

    AllAboutCredit.net strives to keep credit card information up to date and accurate. However, all the credit card information is presented without warranty and can be changed by the credit card issuers at any time. Click the “Apply online” button to see the online credit card application and to review current credit card terms and conditions. Note that AllAboutCredit.net can be compensated by credit card issuers when the visitors apply for a credit card through the website.

    * The AllAboutCredit.net webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. AllAboutCredit.net does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the AllAboutCredit.net website are property of their respective owners.

    Information in these articles is brought to you by AllAboutCredit.net Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

    Disclosure: Not an access card.


    21/08/2017

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    Discover Credit Cards #discover #credit #cards, #credit #card, #online, #0% #balance


    #

    Discover Credit Cards

    • We’ll match all the Miles you’ve earned at the end of your first year. Bonus Miles – For example, if you earn 30,000 Miles, you get 60,000 Miles.
    • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
    • No Blackout Dates – fly any airline, stay at any hotel.
    • Redeem your rewards in any amount for cash or a travel credit.
    • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
    • Get your FICO Credit Score for free on monthly statements, on mobile and online.
    • No Annual Fee.
    • See additional Discover it Miles details

    at Discover s
    secure site

    • You could turn $200 into $400 with Cashback Match . Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
    • Plus, 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO Credit Score for free on monthly statements, on mobile and online.
    • No annual fee.
    • See additional Discover it details
    • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter no sign-ups needed. Plus, 1% cash back on all your other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO Credit Score for free on monthly statements, on mobile and online.
    • No annual fee.
    • See additional Discover it chrome details
    • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
    • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit.
    • Reports to the three major credit bureaus. Plus, get your FICO Credit Score for free on monthly statements, on mobile and online.
    • Earn 2% cash back at restaurants gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
    • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Tools to assist you; email alerts, text reminders and 24/7 customer service.
    • See additional Discover it Secured Card details

    at Discover s
    secure site

    • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Get 100% U.S. based customer service your FICO Credit Score for free on monthly statements, on mobile and online.
    • Freeze It on/off switch for your account that prevents new purchases, cash advances balance transfers in seconds.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% – 22.74%.
    • See additional Discover it for Students details

    at Discover s
    secure site

    • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter no sign-ups needed. 1% cash back on all your other purchases.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Get 100% U.S. based customer service your FICO Credit Score for free on monthly statements, on mobile and online.
    • Freeze It on/off switch for your account that prevents new purchases, cash advances balance transfers in seconds.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% – 22.74%.
    • See additional Discover it chrome for Students details

    at Discover s
    secure site

    See the online Discover credit card applications for details about terms and conditions of reward programs and offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the ” Apply Now ” button you can review the credit card terms and conditions on the credit card issuer’s web site.

    * For additional rates, fees and costs see issuer’s website for detailed pricing and terms.


    13/08/2017

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    Travel Credit Cards – Compare Top Credit Cards for Use Abroad

    #travel credit cards
    #

    Compare Travel Credit Cards

    • 3% Cashback on Petrol, National Rail & TfL, 2% back on department stores and 1% back on supermarket spend*
    • First year’s 24** Annual Fee refunded if you hold, or open, a Santander 123 current account.
    • 0% on purchases & balance transfers (0% transfer fee) for 23 Months
    • In addition to the standard cashback, earn 3% bonus cashback on 1|2|3 Credit Card purchases made using Apple Pay (on spend of up to ВЈ100 per month). Offer ends 29 February 2016

    *Cashback limits apply ( 3 cashback per month per category)

    • 16.5% APR representative (variable)
    • Based on 12.7% p.a. (variable) on credit card purchases
    • 24 annual fee applies
    • 0% on balance transfers for 23 month
    • Thereafter the standard annual rate for balance transfers will be 22.8% (variable)
    • 0% on purchases for 23 months
    • Thereafter the standard annual rate for purchases will be 12.7% (variable)
    • Earn 1% on supermarket spend, 2% on department stores and 3% on fuel

    Earn 1% cashback on supermarket spend, 2% cashback on department stores and 3% cashback on fuel with the Santander 123 Credit Card

    Representative Example: 12.7% p.a. (variable) on card purchases. This is equivalent to 16.5% APR representative (variable) based on a credit limit of 1200 and a 24 annual fee





    10/08/2017

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    Travel Credit Cards – Tips For Using Cards While Traveling #travel

    #travel credit cards
    #

    Tips for using credit cards while traveling

    Don’t slack off during summer

    What’s not to love about summer? Relaxing vacations, cookouts and weekend getaways abound. And, chances are, credit cards, debit cards, balances and bills are the last things on your mind.

    In the summer, especially if you’re traveling, “checking balances more often is probably good advice,” says Nessa Feddis, senior vice president for consumer protection and payment for the American Bankers Association.

    “And because of mobile banking apps, it’s easier to check,” she says.

    Want to keep that plastic safe, even as you chill by the pool? Here are seven strategies, plus a few bonus tips, that you can use right now.

    Let card issuers know you’re traveling

    Remember as a teen when you had to let Mom and Dad know you were leaving the house, where you were going and when you’d be back? Now it’s your card companies that get that call.

    Many credit card and debit card issuers are using security software and other means to fight fraud, says Susan Tiffany, director of consumer periodicals for the Credit Union National Association.

    So if you normally buy shoes on Michigan Avenue and suddenly you’re buying croissants on the Champs Elysees, there’s a chance your card could be declined or suspended.

    “If you’re going to be outside your normal stomping ground, make sure you let your card issuer know,” she says.

    “Even if you’re just going to a different state, it never hurts,” Tiffany says. And that goes for credit and debit cards, she adds.

    Bonus travel tip: While you have that debit card issuer on the phone, ask if you have a daily spending limit or daily ATM withdrawal limit, she says. Not every card does, but it’s something you want to know before you leave home, Tiffany says.

    Seek the perks

    Not all cards offer the same benefits. And some of them “might have perks that come into play when traveling,” says Tiffany.

    If you usually use your cards to buy nothing more exotic than gas and groceries, you might not know if any also offer things like concierge services, discounts on rental cars, free breakfasts or late checkouts at hotels, free (or discounted) medical travel insurance and emergency evacuation insurance, Tiffany says.

    Are you buying something expensive for your summer travels, like a plane ticket or a weeklong hotel stay? Opt for a card that gives rewards or points, says Danielle Fagre Arlowe, senior vice president with the American Financial Services Association.

    And look for ways to amp up your rewards, such as booking through the card’s website, she says.

    Bonus travel tip: Don’t keep all your cards (or your cards and card replacement information) in the same place when you travel, says Eva Velasquez, president and CEO of the Identity Theft Resource Center.

    That way, if some are lost or stolen, you’ll have others you can use, she says. And if cards are stolen, you’ll still have the information you need to replace them.

    Change the due dates

    Here’s something you might not know: Billing dates aren’t carved in stone.

    If you’re not juggling bills and paychecks, it can be a lot easier to remember one due date than three or four, says Joe Ridout, consumer services manager with Consumer Action.

    Call card providers and get all your billing dates moved to the same day each month, he advises.

    “So, if you have five cards, have them all due on the 10th of the month,” he says. “It’s not something a lot of credit card users do, and it can save you some stress.”

    For card users “who have the means to pay, it can be a nice convenience,” Ridout says.

    Bonus travel tip: Want something to reduce your stress now and when you get back? Remember that, plastic or no, what you’re spending is still real money, says Arlowe.

    When you whip out that card, “think of yourself as taking it out of your checking account,” she says. “Be mindful of what you budget and don’t go crazy.”

    Limit ‘foreign’ ATM fees

    “If you’re traveling during the summer, you will often need cash,” says Ridout.

    “Given that you’re going to be in different locations, you will often wind up using an ATM that might not be in your network,” he says. And those “foreign ATM” and “out-of-network” charges can be hefty — $5 and $6 a pop, he says.

    But a good number of credit unions and smaller community banks are rebating those charges, even when you incur them outside the country, Ridout says.

    So before you set out on your summer travels, find an institution that gives you access to your cash without a lot of fees, he says.

    Bonus travel tip: Before you pack those vacation cards in your wallet for an overseas trip, call the issuers to find out about currency conversion fees, says Ridout. Several U.S. issuers no longer levy the fees — which can be as much as 3 percent or more on every transaction, he says.

    Stay alert

    Part of the fun of summer: You’re probably shaking up your normal routine.

    If you’re visiting places you haven’t gone before, keep an eye peeled for skimming devices before you hit ATMs, says Velasquez.

    Scope out your surroundings with an eye toward your personal and financial safety, just as you would any other time of year.

    Another tip that can make your life easier: “If you’re running around doing different things,” a money belt or travel purse can make life easier, Velasquez says.

    Make sure to opt for credit cards over debit cards for making purchases. “You have more protections,” Velasquez says. Plus, if there are problems, you’re disputing a credit line instead of actual cash.

    Bonus travel tip: “Depending on where you go, you may want to buy a travel card,” says Feddis.

    Available to buy and load at your bank, they work much the same as a regular debit card — except they don’t pull directly from your checking account, she says.

    That way, “if there’s any compromise of the card, it’s limited to what’s on the card; they don’t have access to your checking account,” she says.

    Ask questions before you leave

    Will your card work where you’re going? And is it commonly accepted?

    Don’t just ask card-issuer customer service. Before you leave, also talk with your travel agent (if you have one) and your hotel, innkeeper or concierge, too.

    Make sure to ask if you can get by with magnetic stripe cards or if the area is predominantly chip-and-PIN territory, Ridout says.

    Especially in Europe, you can still use mag-stripe cards, says Feddis. But some places — like small, independent stores or automated kiosks that dispense tickets for transportation, museums and shows — often accept only chip-and-PIN cards, she says.

    Once you know what’s accepted, if you decide you’d like a chip-and-PIN card, “you may want to find out if your bank has it or can issue it,” says Ridout.

    Bonus travel tip: Even if you primarily use one card at home, it can help to take more than one on a trip, especially from different issuers, says Tiffany. “Not every card is universally accepted.” Plus, if one card inadvertently cuts you off or suspends privileges, you have a backup.

    Opt for smartphones

    For credit data harvesters, public Wi-Fi is an all-you-can-eat buffet. Ditto for those public-use computers in Internet cafes and hotel business centers. Avoid them for anything other than reading the morning paper or checking the weather.

    Need to check balances? Use your own cellphone to try your bank or issuer’s app or mobile site, says Feddis.

    Or go old school and dial the institution’s toll-free number.

    In an emergency situation, if it’s your only option, sometimes the benefits of Wi-Fi or public computers outweigh the risks, says Ridout. But usually there are better class=”mobileFullWidth” alternatives, and it’s “generally a bad idea,” he says.

    And never put card numbers into websites that don’t have a secure connection, says Velasquez. “My rule is that I use my (own computer’s) secure network for sensitive transactions — and would only use my phone if there was an urgent need and I was certain that the transmission was secure,” she says.

    Bonus security tip: Not using that phone that has all your banking and shopping info? Lock it. According to a recent study by Aite Group and ACI Worldwide, 11 percent of Americans don’t.

    “It’s time we starting treating our phones like the computers they really are,” says Velasquez.





    10/08/2017

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    The Top 5 Credit Cards for Travel RewardsThe Points Guy #business

    #travel rewards credit cards
    #

    The Top 5 Credit Cards for Travel Rewards

    This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page .

    Since it s a new year, I ve already started to hear from a lot of friends and family that they are sick of seeing my amazing travels and not being able to go places themselves. So they re going to buckle down in 2014 and get into the points and miles game, starting with applying for the right credit cards to get their points portfolios in shape. If you ve got good credit and can pay off your bills in full every month, travel credit cards can be extremely lucrative and are the main way that I m able to fly first class internationally and stay at some of the nicest hotels in the world- often for less cash outlay than if I paid to fly coach or stay in a hostel.

    I flew to Seoul in Singapore Air s first class cabin for just 74,375 KrisFlyer miles and $203.30 one way- not bad for a $5,500 seat.

    For anyone else looking to get in the action, here are my picks the top five current credit card offers for beginners. I chose these because the sign-up bonuses are easy earn, the points or miles are easy to use, annual fees are reasonable and the cardholder benefits are valuable. It doesn t take a rocket scientist to use points or miles, the key is having those points or miles to use when you need them. For a full list of top deals, visit our TPG Top Deals page .

    1. Chase Sapphire Preferred

    Current Bonus: 40,000 points when you spend $3,000 in 3 months, plus 5,000 points when you add an authorized users and make a purchase on the card within the first 3 months.

    Spending Bonuses: 2 points per $1 on travel (which includes flights, hotels, car rentals, subway, parking, taxis, etc.) and restaurants (basically any food establishment and catering) with no maximum caps.

    Benefits: Points are worth 1.25 cents when redeeming with pay-with-points for airfare, hotel, car rentals and cruises (that means the 40,000 sign-up bonus = $500 towards travel at the very minimum); no foreign transaction fees ; extra earning potential through the Ultimate Rewards earning mall; Ultimate Rewards Exclusives experience redemptions, Visa Signature perks and protections, no foreign transaction fees and chip signature technology

    Transfer Partners: United, British Airways, Southwest, Korean Air, Virgin Atlantic, Hyatt, Marriott, Ritz-Carlton, Priority Club, Amtrak.

    Annual Fee: $95, waived the first year

    Why get it? A lot of people ask me what is the one travel credit card they should get. and while it really depends on what you re hoping to use your points for, the core card I almost always recommend to friends and family is the Chase Sapphire Preferred. That s because of its powerful earning potential, the ease of transferring to great partners, benefits like no foreign transaction fees (super important if you travel or use your card for foreign purchases), and the fact that even if you don t use the transfer partners, that 40,000-point bonus is worth $500 in travel. But if you do maximize those travel partners, you can make out like a bandit. For example, I m writing this post from my room at the newly opened Andaz Papagayo in Costa Rica. where rooms cost $600 a night or 22,000 Hyatt points (which transfer instantly at a 1:1 ratio from Chase Ultimate Rewards). So once you spend the $3,000 and get the 40,000-point bonus, that would be enough for 2 free nights, or $1,200 in value- all from a single credit card sign-up on a card that even has the first year annual fee waived.

    My 2014 began at the Andaz Papagayo, thanks to my Chase points transferred to Hyatt Gold Passport at an instant 1:1 ratio.

    For more information, check out these posts:

    Ranking the Chase Ultimate Rewards Transfer Partners

    Top 10 Ways To Maximize Each Ultimate Rewards Transfer Partner

    Current Bonus: 40,000 miles with $3,000 spend in the first 90 days

    Benefits: Earn 2 miles per dollar spent on all purchases and receive 10% of your miles back when you redeem on travel. Receive a complimentary membership to TripIt Pro. No foreign transaction fees and EMV chip technology. For more information on this card, read my review here. and then check out this post for details on its Travel Bonus Category and Redemption Options. and this one for ideas on the Top 10 Ways To Maximize Barclaycard Arrival Miles .

    Annual Fee: $89 waived the first year

    Why get it? The sign-up bonus is worth $440 towards travel, simply put. Since there is no annual fee the first year, so it is literally like free money, which is great for covering costs like award ticket fees, train tickets, car rentals, and other expenses you can t usually use travel points for like b b s, Airbnb, car rentals and more.

    Current Bonus:  Earn Two weekend night certificates, each good for one weekend night  (standard room, double occupancy) at most hotels and resorts within the Hilton Worldwide portfolio, after $2,500 in eligible purchases within the first 4 months.

    Category Spending Bonuses: 10 points for every $1 spent on hotel stays within the Hilton Worldwide portfolio; 5 points for every $1 spent on airline and car rental purchases; 3 points for every $1 spent on all other purchases.

    Benefits: Automatic Hilton HHonors Gold status; Diamond status with $40,000 annual spend; no foreign transaction fees, SmartChip technology ; Visa Signature benefits; cardholders who spend $10,000 annually get an anniversary free weekend-night certificate as well that can be used at any property

    Why get it? Those two free nights you get as a sign-up and spending bonus are good at ANY hilton in the world, which can be an amazing value if you redeem at Hilton s top properties where award nights can cost 95,000 points (for a standard room at the best rates), like I recently did at the Conrad Maldives. That equates to a 190,000-point bonus, or nearly $2,500 in value in my case.

    I used my two free weekend nights to stay at the Conrad Maldives and then paid to upgrade to the overwater bungalow.

    For more information, check out these posts:

    Current Bonus:  Earn 25,000 points after $3,000 spent within the first 3 months.

    Category Spending Bonuses: 2x points on Starwood purchases, 1x on other purchases.

    Benefits: Get 5,000 bonus Starpoints when you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines; 2 stays/5 nights credit toward elite status qualification.

    Annual Fee: $0 introductory annual fee for the first year, then $95

    Why get it? This card is great for spend when you can t get a category spending bonus on other cards because Starpoints are one of the most valuable currencies out there. Plus, Amex has great purchase protections.

    SPG points are great for airline transfers Alaska Airlines is one of my favorites, giving the ability to redeem for Emirates first class, which I recently flew on the A380.

    For more information, check out these posts:

    Current Bonus: Check the CardMatch tool   to see if you are targeted for a higher offer than the current public offer for 40,000 points   after you spend $3,000 in 3 months.

    Benefits:  This card also comes with an array of valuable benefits, including a $200 annual airline rebate, access to Delta and Priority Pass lounges (as well as the Amex Centurion Lounges ), and a Global Entry or TSA PreCheck application rebate (see posts below for more info).

    Annual Fee:  $450





    09/08/2017

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    The 5 Best Travel Credit Cards of 2015. #flights #and #car

    #travel rewards credit cards
    #

    The 5 Best Travel Credit Cards

    Latest Update November 11, 2015

    Similar to the Hilton HHonors card, the Marriott Rewards® Premier card provides rewards to cardholders who stay at Marriott hotels. Someone with no interest in redeeming points for free stays at Marriott hotels should mark this card off their list. People who are regular Marriott customers will find this travel rewards credit card to be one of the best around. First, the sign-up bonus, at 50,000 bonus points after spending $1,000 in the first three months, is one of the best of any card in the industry. New cardholders also get one free night stay at a Marriott hotel. For every dollar spent at over 3,600 Marriott locations, five points are earned. Airline tickets, restaurants, and car rentals will earn two points for every one dollar. Besides the specialized nature of the Marriott Rewards® card, the only other negative is the annual fee of $85, but the first year fee is waived.

    Editorial Note: The editorial content on this page is not provided by our advertisers. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.





    09/08/2017

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    S Best Travel Credit Cards #best #prices #for #flights

    #best travel credit card
    #

    Best Travel Credit Cards

    Oct 20, 2015

    Global energy politics have resulted in something of a boon for American households in recent months, with dramatically reduced prices at the pump expected to save the typical family roughly $750 over the course of 2015 and airfare finally starting to reflect reduced jet fuel costs. It therefore figures show more

    that the already-frantic fall and winter travel seasons may be even busier than normal this year. But with that in mind, it’s important to note that one’s ability to save money while seeing friends, family and the world over the holidays isn’t limited to the whims of the oil markets. Another important financial tailwind – historically valuable credit card rewards – have actually grown even more lucrative in the past year, according to CardHub’s latest Credit Card Landscape Report. with sign-up bonuses worth up to $625 and various other perks available to people who have above-average credit standing.

    Citi ThankYou Premier Card

    Chase Sapphire Preferred Card

    Barclaycard Arrival Plus World Elite MasterCard

    Capital One Venture Rewards Credit Card

    Frontier Airlines Credit Card

    PenFed Premium Travel Rewards American Express Credit Card

    Club Carlson SM Premier Rewards Visa Signature Card

    IHG Rewards Club Select Credit Card

    You’ll get 60,000 bonus points in return for spending at least $1,000 during the first three months you have the IHG Credit Card. That bounty is redeemable for up to 12 free nights, as IHG offers rewards nights for as low as 5,000 points through its PointBreaks program.

    This card does not have a first-year annual fee ($49 thereafter) and does not charge a foreign transaction fee. Hotels operating under the IHG umbrella include the Holiday Inn family of hotels and Crowne Plaza.

    More details about this offer can be found in our IHG Credit Card Review. You can also learn more IHG Rewards Club in general by checking out our IHG Rewards Program Review.

    Hilton HHonors Surpass SM Credit Card





    08/08/2017

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    How to choose the best travel-reward credit cards #how #to #get

    #travel rewards credit cards
    #

    How to choose the best travel-reward credit cards

    Credit card reward points can add up to free stays at hotels such as the InterContinental New York Barclay, shown here. But some cards are more generous than others, according to the website ValuePenguin. InterContinental s IHG Rewards Club Visa gets a high value ranking using the site s model. (Photo: InterContinental New York Barclay)

    Dozens of credit cards reward users with travel perks such as airline miles and free hotel nights. But calculating those rewards against what you pay in annual fees is more than most of us lacking a finance degree can handle.

    Enter ValuePenguin. a new, customizable online tool that rates 56 travel-affiliated credit cards. The cards are mostly linked to airline and hotel rewards programs, but they also include some that offer generic travel rewards across brands, plus a handful that are affiliated with cruise lines and online travel agencies.

    To measure relative value among the cards, ValuePenguin uses $9,000 in annual spending over two years as a benchmark. But the beauty of the tool is that it lets users input their own spending estimates for customized results. Basically, the site calculates an average dollar value for miles or points awarded, then factors in signing and other bonuses and subtracts the annual fee.

    Using that model, the top card is the IHG Rewards Club Select Visa with a $731 value over two years. But because points are redeemable only for hotel stays at InterContinental Group Hotels properties, ValuePenguin gives the edge to the fee-based Barclaycard Arrival World MasterCard, which delivers a net value of $658 over two years, according to their calculations. Barclaycard points are redeemable for airline tickets, hotel rooms, rental cars, train tickets and cruises across brands.

    The worst value: the American Express Delta Reserve card, with a $450 annual fee and high spending requirements to reap bonuses. According to the ValuePenguin’s model, it’ll cost subscribers $564 over two years. Not that all American Express SkyMiles cards are equal. The Gold Delta SkyMiles card, for instance, delivers $481 in net rewards over two years.

    “The first thing to consider is your spending and travel patterns,” says ValuePenguin co-founder Jonathan Wu. “Knowing how much flexibility you need helps you filter the kind of card you need.”

    Other high-value cards in the ValuePenguin model: Southwest Airlines Rapid Rewards Plus Visa ($644); Southwest Rapid Rewards Premier Visa ($635); Marriott Rewards Premier Visa ($595); Platinum Select AAdvantage World MasterCard ($578); British Airways Visa ($535).

    ValuePenguin, which analyzes various consumer finance areas by conducting deep dives into relevant data, launched last year.

    Read or Share this story: http://usat.ly/1aRatGu





    05/08/2017

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    Find the Best Travel Credit Cards at #adventure #travel

    #travel rewards credit cards
    #

    The Best Travel Credit Cards in America

    Americans love to earn travel rewards from their credit cards. And while many credit cards offer frequent flier miles or hotel points, others offer points reward programs that can be used to book travel. The advantage of these programs is that cardholders can make their award reservations any way they want, and even earn points and miles from them. So this month, we are looking at the best travel reward cards, not including those that offer airline miles, which we awarded in November .

    Choosing the Best Travel Reward Card for Your Needs

    Many credit card users are turning to the travel reward credit cards that offer miles from the banks. These bank miles are worth one cent each as statement credits toward travel reservations such as airfare, hotels, car rentals and cruises. With reward miles from different banks all worth the same amount, the best cards for your needs will allow you to earn as many miles as possible per dollar spent. In addition, a top travel reward card will offer valuable perks and benefits that will help you when you are on the road. Finally, it’s important to factor in everything else you look for in a credit card, including the customer service, the terms and conditions, and of course, any fees.

    Before you apply for any credit card, it’s important to do your research and make sure the card will meet your needs, and that you meet the issuer’s general credit requirements. You can get two of your credit scores for free on Credit.com to see where you stand, and to get personalized tips to help you improve your credit.

    After reviewing dozens of travel reward credit card offers, we weighed the costs and benefits of each, and ultimately chose the best ones in their class. After much consideration, here are the Best Credit Cards in America for Travel Rewards.

    The Winner: Barclaycard Arrival Plus World Elite MasterCard

    Why It Won: Barclaycard continues to lead this category by offering the most value per dollar spent.

    The Rewards: New applicants receive 40,000 miles as a sign-up bonus after spending just $3,000 on their card within the first 90 days of opening an account. Cardholders also receive two miles for every dollar spent in purchases, and each mile is worth one cent as travel statement credits toward travel expenses incurred in the past 120 days. But in addition, cardholders receive a 10% rebate on all mileage redeemed. This card is also part of the World Elite MasterCard program, which features many travel and shopping discounts. It also offers travelers true Chip and PIN compatibility, which is often necessary when using unattended kiosks in Europe and other parts of the world.

    The Costs: There is an $89 annual fee for this card that is waived the first year, and no foreign transaction fees.

    1st Runner-Up: Capital One Venture Rewards Visa Signature

    Why It Won: Capital One continues to offer competitive value from its flagship reward card.

    The Rewards: New applicants receive 40,000 miles as a sign-up bonus after spending just $3,000 on their card within the first three months of opening the account. Cardholders earn double miles on all purchases, with no limits on the rewards they can earn. As a Visa Signature card, customers receive access to numerous shopping and travel discounts, as well as the Visa Signature concierge service.

    The Costs: There is a $59 annual fee that is waived the first year, and no foreign transaction fees.

    2nd Runner-Up: Discover it Miles

    Why It Won: This new card starts customers off with an impressive rate of return for the first year, and has no annual fee.

    The Rewards: Cardholders receive 1.5 miles per dollar spent, and like its competitors, each mile is worth one cent in statement credit toward travel purchases. In addition, miles can also be redeemed for cash back, making this card somewhat of a hybrid travel reward card. But what really makes this card compelling is that Discover will double cardholders’ miles earned at the end of their first year of card membership. This means that this card is offering a total of three miles per dollar for a whole year.

    Other features include a $30 annual credit toward in-flight WiFi purchases, the cardholder s first late payment fee is waived automatically and 100% U.S.-based customer service.

    The Costs: There is no annual fee for this card, and no foreign transaction fees.

    Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

    At publishing time, the Capital One Venture Rewards Visa Signature and Discover it Miles are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment.

    Note: It s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

    Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser’s responsibility to ensure all posts and/or questions are answered.

    Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.





    04/08/2017

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    Bad Credit OK Credit Cards and Prepaid Debit Cards #bad #credit


    Bad Credit OK Credit Cards and Prepaid Debit Cards

    Credit cards and prepaid debit cards for “bad credit” feature approval standards geared toward helping consumers with an imperfect credit history obtain a line of credit. Many cards feature monthly reporting to the major consumer reporting agencies, which enables the cardholder to have their payment history added to his or her credit profile. See below for today’s top credit card and prepaid debit card offers for people with bad credit, along with links to each card’s secure online application.

    Credit One Bank® Unsecured Visa® for Rebuilding Credit

    • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We’ll let you know as soon as you’re eligible for a higher credit line. A fee may apply.
    • See if you Pre-Qualify without harming your credit score. Find the card that’s right for you in less than 60 seconds.
    • Eligible purchases will automatically get you 1% cash back, terms apply.
    • This is a fully functional, unsecured credit card not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
    • Enjoy peace of mind with $0 Fraud Liability
    • Email and text alerts remind you when your bill is due, your payment posts, or your available credit is running low

    Credit One Bank® Unsecured Platinum Visa®

    • No security deposit required. Get a 100% unsecured card that can help grow and build credit.
    • Focused on growing or rebuilding your credit? We report account activity to all three major credit bureaus each month to help keep your credit score up-to-date.
    • Find out if you’re Pre-Qualified without harming your credit score. It’s fast, easy, and secure.
    • Looking for more credit? Get credit line increase opportunities, a fee may apply
    • Get 1% cash back on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
    • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge
    • Stay in-the-know about your account with custom email and text alerts that remind you of your payment due date, notify you when a payment posts, or warn you if your available credit runs low
    • Show off your style with a premium card design, a fee may apply.
    • Checking Account Required
    • Fast and easy application process; response provided in seconds
    • A genuine VISA card accepted by merchants nationwide across the USA and online
    • Manageable monthly payments
    • If approved, simply pay a Processing Fee to open your account and access your available credit
    • Reports monthly to all three major credit bureaus

    The First Access VISA® Credit Card

    • Get the security and convenience of a full-feature, unsecured VISA Credit Card accepted at millions of merchant and ATM locations nationwide and online
    • Reporting monthly to all three major credit reporting agencies
    • Perfect credit not required for approval; we may approve you when others won t
    • You may be eligible for a Credit Line Increase after six months
    • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
    • Receive your card more quickly with optional Expedited Processing (additional fee applies)
    • Get a result in as little as 60 seconds upon completion of the online application
    • Online Customer Center available 24 x 7
    • Issued by Mid America Bank Trust Company, Member: FDIC

    02/08/2017

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    Get Lower Rates: From Insurance to Loans #auto #insurance #rates,auto #loans,car


    #

    Auto Loans Mortgage Loans Debt Consolidation Credit Cards Credit Repair Car Insurance Health Insurance Life Insurance

    Lower Your Auto Insurance Rates Mortgage Interest Rates

    About Us | Our Services

    If you are looking to save money on any number of financial products or services, you’ve come to the right place. Lower Rates specializes in coordinating multiple insurance companies, lending institutions, and other businesses in order to deliver the best possible prices on an array of products. Our goal is to combine and streamline resources for our visitors, thus making it easier for you to find affordable loans, insurance policies, and more.

    No matter what you’re looking for, Lower Rates can be of service to you. For instance, you might be searching for a low-interest credit card with an excellent rewards program. Or perhaps you’re in the market for a high-quality but inexpensive auto policy. Regardless of your needs, you can find the most competitive rates on the Internet right here.

    Traveling the world is a pleasurable experience for many, but occasionally, trips are ruined by a health emergency. Not only could this ruin your vacation, but doctor bills and medical evacuations could leave you financially devastated. Visitor s health insurance can protect you from the costs of a medical disaster.

    From Auto Loan Blog

    Buying your car at the right time of year can mean a difference of thousands of dollars in negotiating power. Taking advantage of the regular need for dealerships to unload inventory at specific times each year is key to shopping well.

    From Mortgage Blog

    Finding the right mortgage loan option can be a tedious and time-consuming task. Look at all of your options prior to committing to one specific loan, then choose the one that works best for you.


    02/08/2017

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    The Best Canadian Credit Card With Travel Rewards #credit #cards,travel,travel #tips,personal


    #

    The Best Canadian Credit Card With Travel Rewards

    Is a weaker Canadian dollar clipping travellers’ wings? Would-be vacationers could find themselves paying 30 per cent more for their warm-weather getaways this year. As the Loonie hovers around US$0.75, three-quarters admit the weak currency has impacted their trip plans.

    But cash-strapped travelers needn’t settle for a staycation, as a number of travel rewards credit cards can effectively offset travel costs.

    However, using plastic to fund a vacation can be a point of confusion. While there are a number of fantastic travel offers available in today’s market, many Canadians aren’t aware of travel rewards best practices, and there continue to be misconceptions around the true value of rewards, and how to effectively earn and redeem them.

    To help Canadians take flight faster, RateSupermarket.ca has revealed the Guide to Flying for Free – How to Cash in Travel Rewards Credit Card Points. The guide provides clarity on choosing the right card, and insight to the value offered by popular rewards programs.

    How to Pick the Perfect Travel Rewards Credit Card

    How Big is That Bonus. Really?

    We’ve all seen the ads — sign up today and get 50,000 points! Seems like a really sweet deal — but how much is a point really worth? It depends on the card and the way you redeem. Here’s a breakdown of what the most popular points in Canada are worth* when cashed in for travel:

    American Express Blue Sky Points
    Each. $0.01
    Points needed for $100 in travel. 10,000
    Redemption – Great. Book any travel and apply points to your balance. A minimum 10,000 is required to redeem. Points are converted to statement credits of $100 each, which can then be applied to any travel purchase.
    Blackouts or Restrictions. No

    American Express Gold Rewards Points
    Each. $0.01
    Points needed for $100 in travel. 10,000
    Redemption – Great. Book any travel and apply points to your balance. A minimum 10,000 is required to redeem. Points are converted to statement credits of $100 each, which can then be applied to any travel purchase.
    Blackouts or Restrictions. No

    BMO Rewards
    Each. $0.01
    Points needed for $100 in travel. 10,000
    Redemption – Good. Travel must be booked through the BMO Rewards travel agency, either online or over the phone. You must have a minimum of 100 points to redeem. If you don’t have enough points to cover your trip, you can pay the remainder with your credit card.
    Blackouts or Restrictions. No

    Capital One reward miles
    Each. $0.01 each
    Points needed for $100 in travel. 10,000
    Redemption – Great. Simply charge your travel expense to your card, then apply points to your balance. There is no point minimum required to redeem, and points can be used to pay taxes and other surcharges.
    Blackouts or Restrictions. No

    CIBC Aventura Points
    Each. $0.03
    Points needed for $100 in travel. approx. 3,300
    Redemption – Ok. Travel must be searched for via the CIBC Aventura rewards portal, which includes all airlines. Flight types are classified as long haul, short haul, domestic and international, and require a minimum number of points to qualify per category. There is a maximum cap on the number of points you can redeem, and points cannot be used to pay for taxes and other surcharges.

    Scotia Rewards Points
    Each. $0.01 each
    Points needs for $100 in travel. 10,000
    Redemption – Great. Simply charge your travel expense to your card, then log into your Scotia Rewards account to apply points to your balance. There is no point minimum required to redeem, and points can be used to pay taxes and other surcharges.
    Blackouts or Restrictions. No

    RBC Rewards Points
    Each. $0.023
    Points needed for $100 in travel. approx. 4,300
    Redemption – Ok. Redeem your points online via the RBC Orbitz portal, over the phone, or via Carlson Wagonlit Travel. Flight types are classified as long haul, short haul, domestic and international, and require a minimum number of points to qualify per category. There is a maximum cap on the number of points you can redeem, and points cannot be used to pay for taxes and other surcharges.

    AIR MILES
    Each. $0.15 each (varies based on flight redemption)
    Points needs for $100 in travel. Approx. 667
    Redemption – Ok. Flights must be booked via AIR MILES’ Dream Rewards Centre, which prices point requirements based on mileage. Redemption costs are higher during the high season, and AIR MILES cannot be used to pay for taxes and other surcharges.
    Blackouts or Restrictions. No

    Aeroplan Miles
    Each. $0.23 each
    Points needs for $100 in travel. approx. 4,300
    Redemption – Ok. Travel must be booked by the Aeroplan rewards portal, and are restricted to Air Canada and other partner airlines. Point redemption is divided into two tiers: Fixed Mileage and Market Fare. Fixed Mileage Flight Rewards travel can be booked for fewer points, but are subjected to limited availability and seasonality.
    Blackouts or Restrictions. Some seat restrictions

    TD Rewards
    Each. $0.005
    Points needs for $100 in travel. 20,000
    Redemption – Good. Book travel on any airline, or book through Expedia for TD, then log in in to your TD Rewards Account to pay with your points. Points can also be used to pay for taxes and additional surcharges.
    Blackouts or Restrictions. No

    *Based on value of signup bonus. Note values may vary depending on redemption method, flight seasonality and flight class).

    Tips for Using a Travel Rewards Credit Card

    Seek out the perfect plastic. There is a wide variety of travel rewards programs to choose from and each offers a different earning and redemption structure. It’s important to determine whether a card’s earning potential can be maximized based on your specific spending habits — for example, gas and grocery purchases, or earning on all spending.

    Heed the fee.
    Travel rewards cards are often packed with additional insurance, concierge and lounge benefits — and that means the majority charge an annual fee. Look for cards that waive this charge for a limited promotional period, and determine whether your annual earnings offset the fee amount. For those who are fee adverse, a non-fee card with a lower earning threshold can be a better fit.

    Ask about redemption.
    Those points won’t do much good if they’re grounded during your desired departure season. Seat capacity, seasonal, and minimum redemption restrictions are common pitfalls vacationers should be aware of. For the greatest flexibility, look for cards that allow points to be redeemed directly on travel purchases charged on the card.

    Cover yourself.
    Many travel cards come with built-in insurance benefits — but you shouldn’t assume you’re covered. At a bare minimum, ensure you have sufficient travel medical and accident insurance for yourself, spouse and any dependents travelling with you. Add-ons like trip interruption, delay and cancellation coverage can provide greater peace of mind on your journey.

    * Preparing for Takeoff: Air travel outlook for 2016 – Expedia.ca

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    31/07/2017

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    5 Best Travel Reward Credit Cards #travel #in

    #travel rewards credit cards
    #

    5 Best Travel Reward Credit Cards

    Wise Bread Picks

    There are few things as alluring as the promise of free travel to exotic destinations. The banks know this, and have long offered travel rewards to their customers for using their credit cards. In turn, savvy credit card users maximize their rewards to travel in comfort and style well beyond their means. (See also: How Travel Rewards Credit Cards Really Work )

    Recently, I was explaining this to an European executive sitting next to me in Lufthansa’s Airbus A380 business class while returning home from a vacation in Italy. I told him that my family and I could not possibly have paid for our three $7,000 tickets for this flight. But thanks to my travel rewards credit cards, my journey was all but free after some taxes and fees. Through careful selection and use of rewards, these kinds of trips have become an annual occurrence for my family. While there are innumerable ideas, tips, and tricks to be gleaned from endless hours of research, my mission is to do the work for you and deliver only the most valuable advice to busy people who lack the time and patience to discover and decipher these deals. (See also: Cash Back vs Travel Rewards: Pick the Right Card for you )

    Choosing The 5 Best Travel Rewards Credit Cards

    It would be nice to pick the best travel reward cards in a purely empirical manner, the way one would choose a card with the lowest interest rate. Unfortunately, each travel rewards card offers a unique mix of benefits and drawbacks, and rarely is one card ideally suited for everyone’s travel aspirations. I have read thousands of blog and forum posts, written hundreds of credit card reviews, and personally held dozens of different travel rewards cards over the last twenty years. In the end, I judge these cards based on three criteria:

    • Value: The return in cents per dollar spent
    • Flexibility: Cards that offer the most opportunities for redemptions no blackout dates, a variety of partners, etc.
    • Costs And Fees: If fees are justified by its rewards and benefits

    Of all the travel rewards cards currently offered, these are the ones I find most rewarding.

    Chase Sapphire Preferred Card

    Chase Sapphire Preferred cardholders are able to transfer their points to Chase travel partners at full value 1,000 Chase points equal 1,000 partner miles/points. For most cards, some value gets lost during the transfer. Or get 20% off travel booked through Chase’s site. Get double points for dining and travel transactions (1 point per $1 on other purchases). There are no foreign transaction fees. The annual fee of $95 is waived for the first year.

    Sign up offer: Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 in travel when you redeem through Chase Ultimate Rewards. Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.

    Capital One Venture Rewards Credit Card

    The Capital One Venture Rewards Credit Card is a simple travel rewards card that offers two miles per dollar spent on all purchases. Earn unlimited miles and redeem them for statement credit on travel purchases, allowing you to choose any airline or hotel, and earn miles on your travel rewards. There is no annual fee for the first year. It’s $59 thereafter.

    Sign up offer: Get 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.

    Click here to learn more and apply for the Capital One Venture Rewards Credit Card

    BankAmericard Travel Rewards Credit Card

    The BankAmericard Travel Rewards credit card offers 1.5 points per $1 spent on every purchase, with no limit to the points you can earn and no expiration date on the points. If you’re a Bank of America customer, you get an additional 10% customer points bonus on every purchase when you have an active checking or savings account with Bank of America. Points can be redeemed as a statement credit to pay for flights, hotels, vacation packages, and more with no blackout dates and restrictions. This card has no annual fee and no foreign transaction fees.

    Online exclusive bonus offer. Get 20,000 online bonus points if you make at least $1000 in purchases in the first 90 days — redeemable for a $200 statement credit that you can put towards travel purchases. New cardmembers will get to enjoy a 0% introductory APR for 12 billing cycles on all their purchases, which then becomes a 14.99%-22.99% variable APR after the offer period.

    Capital One VentureOne Rewards Credit Card

    The Capital One VentureOne Rewards Credit Card offers unlimited 1.25 miles per dollar on every purchase. While the rewards are lower, the APR range is also lower than most cards (0% intro APR on purchases until December 2016; 11.9%-21.9% variable APR after that. Capital One cards also offer their Credit Tracker tool which allows you to see your monthly credit score any time. There are no foreign transaction fees and no annual fee .

    Sign up bonus: 20,000 miles after spending $1,000 on purchases within the first 3 months equal to $200 in travel!

    Click here to learn more and apply for the VentureOne Rewards Card today!

    Discover it Miles – Double Miles your first year

    A new travel rewards card from Discover offers good rewards and flexibility in redemption. With Discover it Miles – Double Miles your first year. you earn 1.5x miles on every dollar spent on purchases. At the end of your first year, you’ll get a huge bonus Discover will double all the miles you’ve earned. Essentially, that’s 3x miles on all purchases for a whole year!

    Miles can then be redeemed for statement credit on travel expenses, or deposited as cash into an account you designate. As an additional benefit, you can get up to $30 a year of in-flight Wi-Fi fees credited back to your account. You’ll also get your recent FICO credit scores for free in a chart on your monthly statements and online. There are no foreign transaction fees, and there is no annual fee.

    Click here to learn more and apply for the Discover it Miles today!

    Conclusions

    No discussion of rewards credit cards is complete without the warning that these products are only best for those who always pay their balances in full and never incur interest. Everyone else should use the card with the lowest APR. That said, if you do pay your balance off every month, and you love to travel, then you have much to gain by applying for and using one of these top travel rewards cards. Join me in the exciting world of those who regularly travel for free.

    My wife and daughter on one of our trips earned through travel rewards cards :

    Back to the Credit Card Guide

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain.





    31/07/2017

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    David Lesh #state #of #oregon #christian #lawyer, #credit #cards, #visa, #mastercard,


    #

    A skilled Oregon lawyer, Mr. Lesh served for years as a successful and respected Oregon deputy district attorney (Oregon prosecutor) and then as the lead lawyer to the Portland Police Bureau and its officers.

    In addition to his law practice, David Lesh is a sought after speaker on law enforcement issues. He has instructed hundreds of public safety officers throughout the Pacific Northwest on issues related to the use of force, the use of deadly force, and other civil liability issues.

    His professional background includes:

    Five years as a respected prosecutor in Oregon’s busiest District Attorney’s Office including work in the following units:

    Traffic offenses and misdemeanors;

    Felony property crimes;

    Felony assaults and sexual abuse crimes (including Ballot Measure 11 Offenses).

    Three years as the lead attorney to the largest municipal law enforcement agency in the state.

    Skilled trial lawyer

    Prevailed in scores and scores of criminal cases before Oregon juries;

    Experienced trial attorney in both state and federal court;

    More than 25 years as an Oregon attorney.

    Unmatched professional experience coupled with superior trial and negotiation skill make David Lesh uniquely qualified to represent individuals facing Oregon criminal charges. Mr. Lesh provides professional criminal defense for men and women facing Oregon criminal charges, including DUII, sex crimes, drug charges, theft offenses, prostitution charges, assault crimes, and the most serious Measure Eleven felonies. Call Mr. Lesh today at 503.546.2928 to schedule a no-cost initial consultation.


    Online appointment scheduling for Professionals/Business

    Question. What should I look for when choosing among different State of Oregon defense attorneys?

    Answer. It can be difficult to choose from the numerous lawyers in the State of Oregon when you have a pending legal problem but don t personally know a qualified Oregon attorney. You ll want to feel comfortable with the attorney s personality and level of knowledge, experience, commitment, and professionalism. Also, make sure you have a full understanding of the lawyer s fees before making your decision. Be wary of attorneys who attempt to rush or pressure you into making your selection. However, keep in mind that certain legal matters do require immediate attention, including many criminal law matters.

    Question. With so many Oregon attorneys out there, what makes David Lesh such a terrific choice in criminal defense and Oregon DUII defense.

    Answer. In a word, experience. Other Oregon lawyers simply don’t have Mr. Lesh’s comprehensive background in criminal law, litigation, and trial practice. As an Oregon attorney, Mr. Lesh has:

    Successfully tried hundreds of Oregon criminal matters (infractions, misdemeanors, and felonies);

    Prevailed in trials in State and Federal courts in Oregon;

    Presented hundreds of criminal cases to Oregon grand juries;

    Served for five years as a successful Oregon prosecuting attorney;

    Worked for over a year inside a police precinct advising police officers;

    Successfully represented clients before the Oregon Medical Board and the Oregon State Board of Nursing;

    Successfully prevailed in numerous criminal trials;

    Litigated the most serious Measure 11 felony crimes;

    Advised and instructed hundreds of Oregon law enforcement officers on criminal and civil legal issues;

    Been consulted and interviewed by national and local broadcast (CNN) and print (USA Today, Lawyers Weekly USA) media as an experienced attorney on national and regional legal issues.

    Question. What type of fees does Mr. Lesh charge for his legal services?

    Answer. The legal fees charged by David Lesh vary with the work involved. For Oregon DUI and other criminal cases, Mr. Lesh generally charges a flat fee. This fee will depend on a number of factors including the severity of the underlying charge(s), whether a motion to suppress or other motions will be filed in the case, what jurisdiction the case is in, and whether a trial is anticipated in the case. There may be additional fees for expert witnesses and private investigators. However, Mr. Lesh only uses experts and / or investigators after first consulting with his client regarding the costs and benefits of retaining such individuals. Additionally, Mr. Lesh accepts most major credit cards.

    Question. What parts of the State of Oregon does David Lesh serve?

    Answer. From his law office in Portland, Oregon, Mr. Lesh serves client’s all over the state. However, the bulk of his law practice is concentrated in the following counties and cities: Multnomah County, Clackamas County, Clatsop County, Washington County, Columbia County, Hood River County, Tillamook County, Yamhill County; and Portland, Gresham, Hillsboro, Lake Oswego, Oregon City, Beaverton, West Linn, Wilsonville, Troutdale, Milwaukie, Astoria, and McMinnville.

    Thank you for being such a nice and effective attorney. This was a very scary time for me and you made it almost painless. If I know of someone who needs your expertise in the future, I will highly recommend your name.
    J.G.

    I send this email for representation given nearly five years ago. I had just begun my college education at Lewis Clark, and Mr. Lesh defended me against a cannabis distribution charge, very successfully. [T]he moment that you helped out in my life was a critical point for me. I can’t say what future I would occupy if it weren’t for your law office, but I am happy to live in the world we have now. Thank you.
    C.V.P.

    The world I have become used to is full of people obsessed with themselves. I have started a journey down a path that leads to a new way of life, and I have been inspired by your kindness. Thank you so much.
    B.F.

    Alternative words / spellings for lawyers and attorneys include: Solicitor, Solicitors, Barrister, Barristers, legal advise. Helping you get the best outcome possible. Site information content: Legal Info and Consequences, David Lesh Reviews, Frequently Asked Questions, Attorneys Lawyers who take credit card. Lawyer Referral, Sex Abuse, Criminal. Oregon state, drunk driving charges, drunken driving, Faq, faqs, diversion, Attorney Referrals, City of Portland Lawyers, State of Oregon, Ticket, Citation, Tickets, Citations, Arrest, Sexual Abuse, Conviction, Arrested, Super Charge, Find an Attorney, Acquit and Acquittal, Sentence, Sentencing, Jail Time, North, South, East, West, Northwest Oregon, Specializing, Emphasizing, Lawyers for out of state clients / defendants. Specialist, Northern, Southern, Eastern Central Oregon and the Oregon Coast.


    10/07/2017

    Posted In: NEWS

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    Compare Cash Back Credit Cards #cash #back #credit #cards, #credit #card,


    #

    Cash Back Credit Cards

    Our up-to-date list of cash back offers makes it easy to find a card that will maximize your savings. And bonuses of $100-$150 for new accounts can add up quickly. Review this list of offers from our partners to find the card that rewards the categories you use most. Or find a one that offers a high rebate on all purchases.

    See offers from our partners below.

    at Capital One s
    secure site

    Credit Needed
    Excellent, Good

    • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn�t expire and there�s no limit to how much you can earn
    • 0% intro APR on purchases for 9 months; 13.74%-23.74% variable APR after that
    • Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% variable APR after that; a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • See additional Capital One� Quicksilver� Cash Rewards Credit Card details

    at Capital One s
    secure site

    • You could turn $200 into $400 with Cashback Match . Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
    • Plus, 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO Credit Score for free on monthly statements, on mobile and online.
    • No annual fee.
    • See additional Discover it Cashback Match details
    • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
    • No annual fee.
    • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
    • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
    • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
    • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express Cards in the last year.
    • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
    • Terms Apply.
    • See additional Blue Cash Everyday Card from American Express details

    at American Express s
    secure site

    or call American Express at
    877-915-6432

    Credit Needed
    Excellent/Good

    • No annual fee
    • New Offer: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
    • No changing categories and no expiration on rewards
    • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.74% – 23.74% Variable APR. 3% fee (min $10) applies to balance transfers
    • Get a 10% customer bonus every time you redeem your cash back into a Bank of America checking or savings account
    • If you’re a Preferred Rewards client, you can increase that bonus to 25% – 75%
    • See additional BankAmericard Cash Rewards Credit Card details

    at Bank of America s
    secure site

    or call Bank of America at
    877-831-6028

    • Unlimited 1.5% cash back on every purchase it’s automatic
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • Redeem for cash any amount, anytime
    • Cash Back rewards do not expire as long as your account is open
    • No annual fee
    • See additional Chase Freedom Unlimited details

    05/07/2017

    Posted In: NEWS

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    Best Credit Cards for Travel of 2015 #hot #travel #deals

    #best travel credit card
    #

    Best Credit Cards for Travel of 2015

    In general, getting a travel credit card can be a very lucrative endeavor, if your budget suits it. We examined the average 2-year rewards across a number of different credit card types, and found that these cards are second, only to hotel credit cards. While hotel cards tend to offer some of the best overall rewards, the redemption options for the points they give out tend to be far more limited. Travel credit cards are ones that allow consumers to move their points around between different loyalty programs, or use them as statement credit.

    In our analysis, the sample budget included $2,400 in annual spending towards airlines and hotels (combined), and $12,000 in spending across other categories.

    Our Picks For the Best Travel Credit Cards in 2015

    The following cards are among the best for their respective categories. If you would like to receive more refined list – one that is tailored specifically to your individual budget – we recommend using the tool at the bottom of this page. For more information on how we determined the winners for each of the above categories, take a look at our methodology section.

    Best For Maximizing Rewards: Chase Sapphire Preferred® Card





    11/06/2017

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    Travel Gift Cards and Certificates #britax #travel #system

    #gifto travel
    #

    Top 15 Travel Gift Cards and Certificates

    By Susan Breslow Sardone. Honeymoons & Romantic Travel Expert

    Susan Breslow Sardone is the Web’s foremost expert on Honeymoons and Romantic Getaways and the author of Destination Weddings For Dummies . She has been an About.com Expert since 1997.

    This site was named “Best of the Web in Romantic Travel” by Forbes.com, and The Week magazine echoed that praise.

    In 2015 she was elected president of the elite New York Travel Writers Association and is a member of the Society of American Travel Writers Editors’ Council.

    On Honeymoons/Romantic Getaways from About.com you can travel with her to the best places in the world for couples and let her show you how to plan a memorable vacation. You can also follow Susan Breslow Sardone on Twitter and join Fans of Romantic Getaways on Facebook .

    Stumped for a gift? Travel gift cards and certificates can solve that problem. They allow recipients to choose when they want to travel and where they want to go. (And they can help to ensure a recalcitrant traveler will get moving!)

    Depending on when you buy travel gift cards, you may be able to take advantage of promotional offers that can include free shipping, a free gift, even a small gift certificate for yourself to accompany the purchase.





    16/05/2017

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    The Best Travel Rewards Credit Cards of 2015 #cheap #airfare #deals

    #best travel credit card
    #

    6 Top Travel Rewards Credit Cards of 2015

    W hether you travel for business or pleasure, you may as well make the most of it with a great travel rewards credit card. These cards can help cut up-front costs of travel, while earning you miles to use on future trips.

    Elsewhere, we link you to the best airline miles cards. hotel rewards cards. and gas credit cards. You ll find some overlap, but those cards tend to be a bit more specific. Here, we ll focus on credit cards that give you excellent rewards that you can cash in with different airlines, cruise lines, hotel chains, and more.

    Rewards cards like these give you flexibility for both earning points and spending them. Frequent travelers know just how valuable that is!

    1. Barclaycard Arrival Plus TM World Elite MasterCard®

    There s a reason the Barclaycard Arrival Plus World Elite MasterCard  makes many of the top 10 lists for travel rewards cards it s easy to use and quite flexible. You ll get 2X the miles on all purchases, and your miles don t expire as long as your account is open.

    Bonus:  When you spend $3,000 in purchases within 90 days of opening your account, you ll get 40,000 bonus miles. That s a $400 statement credit far various types of travel. Plus, when you redeem miles for eligible travel, you ll get 5% miles back to use towards your next redemption.

    Easy Redemption: With this card, you can book the travel you want using your card, and then use your accrued miles for a statement credit. So you don t actually have to pay out of pocket for your travel, but you also don t have to use a special, limited booking system. And your miles don t expire as long as your account is open, active, and in good standing.

    Chip Card:  This is the way of the future for credit cards, and Barclaycard is already there. The chip card offers increased security, and makes it easier to pay abroad while you re cashing in all those reward miles.

    Fees:  The annual fee for this one is $89, waived for the first year. It does have the benefit of no foreign transaction fees.

    Bottom Line:  With the 0% introductory APR and great rewards, this is a good option for paying down some debt with a balance transfer, and then racking up rewards. It s great if you don t want to have to juggle cards to get the most points in each spending category.

    2. Chase Sapphire Preferred

    The Chase Sapphire Preferred card offers more points for some categories 2 points per $1 spent on travel and dining. Then, you ll get 1 point per $1 spent on all other purchases.

    Bonus:  Spend $4,000 in the first three months of account opening, and you ll get 40,000 bonus points. You can earn another 5,000 bonus points when you add an authorized user and make a purchase within three months of opening your account.

    Redemption:  You can redeem points directly for statement credit on travel purchases. But you can also transfer your points on a 1:1 basis to other travel programs. So you could move your points over to your Hyatt Gold Passport or to your Marriott Rewards program, for instance. This could help you squeeze more value out of your miles.

    Fees:  This card has a $95 annual fee, waived the first year. Balance transfers cost the greater of $5 or 3%, and there are no foreign transaction fees.

    Bottom Line:  If you ve got great credit, this can be a good way to rack up points that you can transfer to and combine with points from other travel rewards programs that you use.

    3. Barclaycard Arrival World MasterCard

    The Barclaycard Arrival World MasterCard offers solid rewards with lower fees. This card has $0 annual fees, and you can still earn big miles on everyday purchases. It offers 2 miles per $1 spent on travel and dining purchases, and 1 mile per $1 spent on all other purchases.

    Bonus:  When you spend $1,000 on purchases within 90 days of opening your account, you ll get 20,000 bonus miles about a $200 statement credit for travel. Plus, you ll get 10% miles back to use on your next redemption when you redeem miles for travel.

    Redemption:  Again, with Barclaycard travel cards, you don t have to use a particular booking system to book your travel. Just use your card to pay for qualified travel expenses, and then use your miles for a statement credit. Your miles won t expire as long as your account is open and active.

    Fees:  This is an annual-fee-free card. It also offers no foreign transaction fees.

    Bottom Line:  If you don t have the credit for the Barclaycard Arrival Plus or you don t want to deal with an annual fee, this is a great option to consider.

    4. Discover it® Miles Double Miles the First Year

    We like the Discover it line in general because it s easy to use. And the Discover it Miles card is no different. It lets you earn 1.5 miles for every $1 spent on purchases, making it easy to gather travel rewards.

    Bonus:  This card offers an interesting bonus double your miles. At the end of your first year, Discover will give you double the miles you ve earned that year. It also offers up to $30 per year in credits for in-flight Wi-Fi, another bonus benefit for frequent travelers.

    Redemption:  Don t worry about blackout dates or complex booking procedures. Just book your travel with this card, and then apply your points as a statement credit.

    Fees:  This card has no annual fee, and no foreign transaction fees. Also, paying late won t automatically raise your APR.

    Credit Needed:  Credit statistics are not available for this card. However, the other Discover it cards typically require average to good credit.

    Bottom Line:  This is another good option if you want a card that makes it easy to earn miles, but don t want to pay an annual fee.

    5. Capital One® Venture® Rewards Credit Card

    This is another flexible, easy-to-use credit card option. With the Venture card you ll get 2 miles per $1 spent on any purchase. You can save up unlimited miles, and redeem them for flights, car rentals, hotel stays, cruises, and other travel-related expenses.

    Bonus:  Spend $3,000 on purchases within the first 3 months of using this card, and you ll get 40,000 bonus miles back about $400 in travel expenses.

    Redemption:  This is another card that allows you to redeem miles how you d like. You can, for instance, save even more by purchasing your miles through a discount travel site. Then redeem the miles as a statement credit.

    Fees:  This card has a $59 annual fee, waived for the first year. That s not too bad for a card with these high-level, flexible rewards. You ll also benefit from no foreign transaction fees.

    Bottom Line:  If you want a flexible card with a lower annual fee and potential lower interest rate, this is a great option. It lets you rack up rewards without thinking too much about categories, and lets you cash them in easily.

    6. BankAmericard Travel Rewards® Card

    This card splits the difference between high rewards and high fees. It offers 1.5 points per $1 spent on purchases and travel anywhere. But it offers $0 annual fees, so you don t feel like you have to spend a certain amount in order to make the card worthwhile.

    Bonus:  Apply for this card online to qualify for the bonus. You ll earn 10,000 bonus points worth a $100 statement credit when you make $500 in purchases in the first 90 days of opening your account. You can earn more bonus points an additional 10% if you have an active savings or checking account with Bank of America.

    Redemption:  Just use this card to pay for flights, hotels, vacation packages, cruises, rental cars, and even baggage fees, and then call or go online to redeem your points for a statement credit. You can earn unlimited points, and they don t expire.

    Fees:  This card has no annual fee, a $0 liability guarantee, and a 3% balance transfer fee.

    Bottom Line:  If you want more than 1 point per $1 spent, but also don t want to pay an annual fee, this card is a good option. Plus, if you have another account with Bank of America, you can earn even more points without trying.

    Compare these and other travel rewards credit cards at CardRatings.com .





    15/05/2017

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    Best Travel Credit Cards – How To Boost Travel #nicaragua #travel

    #travel credit cards
    #

    7 ways to boost travel with credit cards

    Credit Cards » 7 ways to boost travel with credit cards

    Everyone knows credit card issuers offer airline miles. hotel discounts and other travel perks as rewards to their cardholders. But savvy travelers know more rewards are out there for those willing to look for them.

    Cardholders who take the time to learn the details of their card’s rewards program can often net major savings when they take their plastic on the road. Check out some of these tips and save big on your next vacation.

    Lock down a price

    It’s so annoying to book a flight and then find out that you could have gotten a much better deal. But technology is starting to provide more options to travelers with buyer’s remorse. For instance, the MasterCard PriceAssure program allows cardholders to track their itinerary to see if a price change entitles them to an airline credit. The program is free to enroll for anyone with a MasterCard, and it works with any foreign or domestic flight on Delta, United, American, Continental and seven other carriers.

    If the cardholder is entitled to a credit, they can claim it themselves or they can have MasterCard do the work for them for $19.95. The fee covers all the tickets on the itinerary, says Chris Aguas, vice president of new product development at MasterCard Worldwide. If for some reason MasterCard is unable to collect the airline credit, your card won’t be charged the fee.

    Try not to pay for bags

    Like it or not, most airlines charge extra for baggage these days. But depending on the airline and the credit card in your wallet, you may be able to check your luggage without the fee.

    “When Continental Presidential card members book flights with their credit cards, their first bag — and often second bag depending on their card type — are flown free of charge,” says Adam Goldstein, CEO of Hipmunk, a search engine for flights and hotels.

    “Delta SkyMiles (credit) card members can check their first bag for free regardless of whether they book the flight with the card, he says. “They simply (need to) provide the SkyMiles number when booking the flight or when checking in at the airport.”

    If you aren’t flying Delta or Continental, other travel rewards credit cards may offer reimbursement of luggage or other incidental charges, so check before you book.

    Book through the right site

    Booking air, hotel or other travel services through your credit card’s website may not be the first instinct for most travelers. But doing so can be an especially attractive tactic, according to Goldstein, who says many savvy travelers find excellent deals that are available only to cardholders.

    Another option, says Goldstein, is to take advantage of deals offered to cardholders through the airline’s website.

    “Booking through the airline directly with the airline credit card oftentimes yields double miles,” Goldstein says.

    To make sure gaining mileage isn’t a blow to their pocketbooks, travelers need to do a little more research on travel aggregators, Goldstein says. Once they see the flight on those sites, they’ll know if the price listed on the airline’s site is the best deal. However, Goldstein adds, to get the double miles, they’ll need to go back to the airline’s site to book the ticket.

    Check the insurance

    Traveling without insurance can be risky, but what many cardholders may not realize is they probably already have some coverage through their credit card.

    “Consumers should spend time learning about any insurance options on their cards,” says Kelly Passey, an executive vice president at Access Development, a firm based in Salt Lake City that sets up merchant loyalty and reward programs.

    “Certain cards will have travel accident, foreign medical emergency coverage, purchase protection and extended warranty built in, but typically those types of services are only available for platinum card holders or with an extra fee for regular card holders,” she says.

    According to Passey, these services aren’t likely to replace a cardholder’s regular insurance coverage but may help fill in gaps, such as lost baggage reimbursement.

    Rental cars

    If you’re renting a car on your trip, it’s a good idea to check your credit card before you buy the extra insurance that most rental agencies offer, says Matthew Bailey of Canadian Free Flyers, a Web-based newsletter that helps travelers capitalize on travel rewards programs.

    “Most credit card companies cover car rentals with little or no deductible,” says Bailey. “But if you buy the separate rental car insurance, then (the policy for your credit card) may be void.”

    Be sure to check with your credit card issuer on the limitations and rules.

    Change currency without a fee

    International travelers may not realize it, but if they want to use their credit cards overseas, they may end up paying a foreign transaction fee. says Susanna Zaraysky, author of “Travel Happy, Budget Low: Over 200 Money Saving Tips to See the World.”

    “When you make purchases abroad, your credit card may charge you a foreign currency transaction fee of anywhere from 1 (percent) to 3 percent,” Zaraysky says. “This can become expensive if you buy many things abroad with your credit card.”

    Several credit issuers waive their foreign transaction fees on specific cards and some have done away with foreign transaction fees altogether.

    According to Zaraysky, most travelers should carry a few cards for security reasons, so it’s a good idea to check with your credit card company to find out which card will give you the best deal when making purchases in a foreign currency.

    Rack up miles

    You’ve probably seen the offers hundreds of times. Sign up for a specific airline rewards card and get tens of thousands of miles, plus one mile for every dollar spent.

    According to Zaraysky, these kinds of offers can be gold mines for savvy travelers, especially if the issuer waives the first year’s fee.

    “I accrue so many miles because I play the games offered by the airlines,” she says. “Each airline has its own credit card that it wants its customers to use, (and) you get a 15,000- or 21,000-mile bonus when you sign up for the credit card.”

    Still, it’s important to keep your perspective on these offers, Zaraysky says. Travelers need to be able to pay their bills on time every month. Otherwise, the extra miles won’t make up for the hit your credit score takes.





    01/05/2017

    Posted In: NEWS

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    5 Best Travel Reward Credit Cards #travel #europe #by #train

    #travel rewards credit cards
    #

    5 Best Travel Reward Credit Cards

    Wise Bread Picks

    There are few things as alluring as the promise of free travel to exotic destinations. The banks know this, and have long offered travel rewards to their customers for using their credit cards. In turn, savvy credit card users maximize their rewards to travel in comfort and style well beyond their means. (See also: How Travel Rewards Credit Cards Really Work )

    Recently, I was explaining this to an European executive sitting next to me in Lufthansa’s Airbus A380 business class while returning home from a vacation in Italy. I told him that my family and I could not possibly have paid for our three $7,000 tickets for this flight. But thanks to my travel rewards credit cards, my journey was all but free after some taxes and fees. Through careful selection and use of rewards, these kinds of trips have become an annual occurrence for my family. While there are innumerable ideas, tips, and tricks to be gleaned from endless hours of research, my mission is to do the work for you and deliver only the most valuable advice to busy people who lack the time and patience to discover and decipher these deals. (See also: Cash Back vs Travel Rewards: Pick the Right Card for you )

    Choosing The 5 Best Travel Rewards Credit Cards

    It would be nice to pick the best travel reward cards in a purely empirical manner, the way one would choose a card with the lowest interest rate. Unfortunately, each travel rewards card offers a unique mix of benefits and drawbacks, and rarely is one card ideally suited for everyone’s travel aspirations. I have read thousands of blog and forum posts, written hundreds of credit card reviews, and personally held dozens of different travel rewards cards over the last twenty years. In the end, I judge these cards based on three criteria:

    • Value: The return in cents per dollar spent
    • Flexibility: Cards that offer the most opportunities for redemptions no blackout dates, a variety of partners, etc.
    • Costs And Fees: If fees are justified by its rewards and benefits

    Of all the travel rewards cards currently offered, these are the ones I find most rewarding.

    Chase Sapphire Preferred Card

    Chase Sapphire Preferred cardholders are able to transfer their points to Chase travel partners at full value 1,000 Chase points equal 1,000 partner miles/points. For most cards, some value gets lost during the transfer. Or get 20% off travel booked through Chase’s site. Get double points for dining and travel transactions (1 point per $1 on other purchases). There are no foreign transaction fees. The annual fee of $95 is waived for the first year.

    Sign up offer: Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 in travel when you redeem through Chase Ultimate Rewards. Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.

    Capital One Venture Rewards Credit Card

    The Capital One Venture Rewards Credit Card is a simple travel rewards card that offers two miles per dollar spent on all purchases. Earn unlimited miles and redeem them for statement credit on travel purchases, allowing you to choose any airline or hotel, and earn miles on your travel rewards. There is no annual fee for the first year. It’s $59 thereafter.

    Sign up offer: Get 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.

    Click here to learn more and apply for the Capital One Venture Rewards Credit Card

    BankAmericard Travel Rewards Credit Card

    The BankAmericard Travel Rewards credit card offers 1.5 points per $1 spent on every purchase, with no limit to the points you can earn and no expiration date on the points. If you’re a Bank of America customer, you get an additional 10% customer points bonus on every purchase when you have an active checking or savings account with Bank of America. Points can be redeemed as a statement credit to pay for flights, hotels, vacation packages, and more with no blackout dates and restrictions. This card has no annual fee and no foreign transaction fees.

    Online exclusive bonus offer. Get 20,000 online bonus points if you make at least $1000 in purchases in the first 90 days — redeemable for a $200 statement credit that you can put towards travel purchases. New cardmembers will get to enjoy a 0% introductory APR for 12 billing cycles on all their purchases, which then becomes a 14.99%-22.99% variable APR after the offer period.

    Capital One VentureOne Rewards Credit Card

    The Capital One VentureOne Rewards Credit Card offers unlimited 1.25 miles per dollar on every purchase. While the rewards are lower, the APR range is also lower than most cards (0% intro APR on purchases until December 2016; 11.9%-21.9% variable APR after that. Capital One cards also offer their Credit Tracker tool which allows you to see your monthly credit score any time. There are no foreign transaction fees and no annual fee .

    Sign up bonus: 20,000 miles after spending $1,000 on purchases within the first 3 months equal to $200 in travel!

    Click here to learn more and apply for the VentureOne Rewards Card today!

    Discover it Miles – Double Miles your first year

    A new travel rewards card from Discover offers good rewards and flexibility in redemption. With Discover it Miles – Double Miles your first year. you earn 1.5x miles on every dollar spent on purchases. At the end of your first year, you’ll get a huge bonus Discover will double all the miles you’ve earned. Essentially, that’s 3x miles on all purchases for a whole year!

    Miles can then be redeemed for statement credit on travel expenses, or deposited as cash into an account you designate. As an additional benefit, you can get up to $30 a year of in-flight Wi-Fi fees credited back to your account. You’ll also get your recent FICO credit scores for free in a chart on your monthly statements and online. There are no foreign transaction fees, and there is no annual fee.

    Click here to learn more and apply for the Discover it Miles today!

    Conclusions

    No discussion of rewards credit cards is complete without the warning that these products are only best for those who always pay their balances in full and never incur interest. Everyone else should use the card with the lowest APR. That said, if you do pay your balance off every month, and you love to travel, then you have much to gain by applying for and using one of these top travel rewards cards. Join me in the exciting world of those who regularly travel for free.

    My wife and daughter on one of our trips earned through travel rewards cards :

    Back to the Credit Card Guide

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain.





    29/04/2017

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    The Best Airlines Miles Credit Cards – US News #discount #travel

    #airline travel tickets
    #

    Rack up points so you can take to the skies.

    Summer is the perfect time to travel. The warm weather probably has you itching for a nice vacation to the beach, where you can play in the sun and sip your favorite cocktail. Hitching a plane ride there can be easier, and cheaper, if you have the right credit card.

    Some credit cards are better than others when it comes to giving you points for airline miles, says Bill Hardekopf of LowCards.com. Mileage cards are probably more abundant or lucrative than they were a few years ago, especially for people with excellent credit scores, he says.

    In addition to the mileage, these cards come with a number of other perks. The most significant perk of airline cards is the frequent flyer benefits. The Chase United MileagePlus Explorer waives the first checked bag fee, saving $50 roundtrip; the Delta Gold Skymiles gives priority boarding to cardholders, says Alicia Jao, vice president of travel media at NerdWallet.com, a credit card comparison website. Other cards provide in-flight savings, accelerated elite status, and priority check-in.

    If you don’t pay your bill off in full each month, these cards probably aren’t for you, Hardekopf says, since many of them charge a high interest rate and an annual fee. But if you will use the card a lot—and responsibly—and are able to rack up points for free flights, consider getting one of these expert-recommended airlines miles credit cards:

    Starwood Preferred Amex. Talk about generous, says Liz Weston, author of Your Credit Score. Although it’s not an airline card per se—the card lets you accrue points that can be worth 3 to 4 cents (sometimes more) when you cash them in for Starwood hotel rooms, like the Westin Resort in Maui and the Excelsior luxury hotel in Florence, Italy—the card can be used for frequent flier programs for 30 different airlines.

    Just keep in mind that transferring points from hotels to airlines generally reduces the value of your points, says Jao.

    Capital One Venture Rewards Card. Weston says she’s a big fan of this card, which allows you to buy any airline ticket. The card reimburses you from the points you earn. I think it’s a great fit for those who aren’t elite frequent flyers, since you don’t have to deal with blackout dates or limited supply, she says. The card will allow you to earn two miles to the dollar on all spending.

    You can really rack up some pretty good points for that, Hardekopf says. There’s a $59 annual fee (waived the first year), but Hardekopf says if you spend enough money, you’ll make up for the fee.

    Chase Sapphire Preferred Card. There’s a $95 annual fee (waived the first year), but you get 40,000 bonus points if you spend $3,000 in the first three months. That’s a very nice bonus, says Hardekopf. You get two points for every dollar spent on travel and dining, and one point for every dollar spent on all other purchases.

    Southwest Airlines Rapid Rewards Card. If you’re looking for a particular airline rewards card, Southwest comes out ahead, says Gerri Detweiller, director of consumer education at Credit.com. Southwest is currently offering a promotion where if you sign up for the card, you receive a free trip. Points range between 6 and 12 per dollar for Southwest flights based on what type of flight you choose. You earn two points per dollar if you use a hotel or car rental purchase, and then one point per dollar on all other purchases. With this card, Southwest waives the annual fee of $69 the first year. You also get 3,000 bonus points when you renew the card.

    PenFed Premium Travel Rewards from American Express. Anyone can join the credit union by donating $20 to NMFA or volunteering for the Red Cross. The card gives you five points per dollar you spend on airfare, and one point per dollar you spend on other purchases. You get 20,000 bonus points ($200 for a round-trip ticket) if you spend $650 in the first three months. There’s no cap on the rewards you can earn, and the card also has a low interest rate of 9.9 percent. There are no foreign transaction fees and no annual fee.





    14/04/2017

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    Which Travel Credit Cards Have the Best Rewards? #hotel #travel

    #best travel credit card
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    Which Travel Credit Cards Have the Best Rewards?

    Getty

    Gearing up for your summer travel plans and looking forward to racking up the rewards on your credit card? Depending on which credit card you use, you could get some serious value for your travel. From double points for every dollar you spend on the card to $400 cash intro bonuses to two free flights, travel cards are going all out these days to attract new customers. So which travel credit card has the best rewards? We did a little research to help you out.

    How Did We Test the Cards?

    We researched the real-world dollar value of each card’s travel reward program by seeing how much it cost to book actual hotels and flights at different times of year. Then those dollar values were compared to the number of points it took to book those same hotels and flights.

    The same dates and locations were used for all the cards, and bookings were made during both the “high” summer season and “low” fall season. When possible, the identical hotels and flights were booked to further even the playing field. The final reward value was based on the actual dollar value a user would receive in rewards after a $100 credit card spend. Separate reward values were given for both hotel stays and flights.

    To calculate the actual reward card value, we employed a basic formula. First we took the dollar value of the reward and divided it by the number of points required to purchase that reward.

    Point Value = Reward Price / Number of Points Required to Purchase

    Then we assumed a spend of $100, with 5% ($5) spent on high point rewards like hotel stays and flights. The remaining 95% ($95) was allocated to standard point earning spends.

    Value per $100 Spent = (High Point Earn * $5 * Point Value) + (Standard Point Earn * $95 * Point Value)

    If you want to know more, you can check out the full travel rewards card analysis.

    Which Credit Cards Are the Best?

    What does all that math mean? It basically means that we figured out which cards offer the best rewards when it comes to real-world dollar value. Here are the cards that were the best:

    #1. Barclay Arrival World Mastercard: This card earns top status mainly for its $2 in flight or hotel value you earn for every $100 spent. But the reward that catches many people’s attention is the intro bonus. Cardholders earn 40,000 bonus miles after spending $1,000 in the first 3 months of card membership, equal to an eye-popping $400 that you can spend on travel or even as a statement credit for any purchase you might make. When it comes to ongoing earnings, you earn 2 points per dollar spent on every purchase with no limits. To use rewards, cardholders can redeem points for a straightforward statement credit. As an added bonus, if the credit is used to pay for a travel purchase, users earn an additional 10% in points. This means if you spend 10,000 in points on travel you’ll get a 1,000 point bonus deposited to your rewards bank — a huge benefit we have not seen with any other rewards card.

    #2. Capital One Venture Rewards Card: Yes, this is the card from those Alec Baldwin commercials. Coming in a very close second, the Capital One Venture Rewards Card also offers a fabulous $2 flight and hotel redemption value per $100 spent. And just like the Barclay Arrival World Mastercard, cardholders can book their travel however they’d like and with any airline or hotel they prefer. However, we ranked this card second because it didn’t feature the 10% point bonus for booking travel that the Barclay Arrival World Mastercard did. Additionally, the Capital One Venture Rewards only offers a 10,000 point bonus (equal to $100), compared to the World Mastercard’s 40,000 points. You also get a very generous 2 points per dollar spent on every purchase.

    #3. Starwood Preferred Guest Credit Card from American Express: With an amazing $2.61 hotel point value, Starwood Preferred Guest Credit Card from American Express featured the highest hotel redemption value of any card in our study. While their value for flight redemption was much lower at $1.35 per $100 spent, it is still higher than some airline rewards cards. Users earn a hefty 4-5 points per $1 spent at Starwood hotels and 1 point per $1 spent on all other purchases. Additional perks include a 10,000 point bonus with first purchase and another 15,000 point bonus after spending $5,000 in the first 6 months.

    #4. BankAmericard Travel Rewards: BankAmericard Travel Rewards credit card features a $1.50 travel value on both flights and hotels for every $100 spent. Cardholders who have another qualifying account with BofA will especially appreciate this card, as they will earn an extra 10% annual points bonus on their total yearly purchases. In addition, all cardholders will earn 10,000 bonus points after spending $500 in purchases in the first 90 days. Redeeming points is easy — users need only to use their card to pay for their travel and their points are used as a statement credit towards their travel purchases. They can book their travel anyhow and anywhere they like; whether online, over the phone, or with a travel agent. And while the reward value is not quite as high as with the top 3 finishers in our rankings, unlike those cards the BofA Travel Rewards card has no annual fee.





    06/04/2017

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    Travel and Money: Using Prepaid Travel Cards #cheapest #airline #flights

    #travel credit cards
    #

    Travel and Money: Using Prepaid Travel Cards

    Your Money Working Harder

    Traveling safely and managing your money along the way is an exercise in balancing multiple risks: theft, loss, high surcharges, and confusing discrepancies. This Travel and Money series discusses various ways to address money and security issues while you are abroad.

    Today, the topic of discussion is Prepaid Travel Cards. which can be a useful and secure alternative to debit cards and credit cards. as well as a way to hedge against currency risk. (See also: 5 Essential Travel Tools )

    Prepaid Travel Cards Basics

    A prepaid travel card is generally usable in the place of a debit or credit card. You can withdraw cash at an ATM, pay for purchases, and make travel reservations. And as the name suggests, you prepay these expenses by loading money onto the card.

    It is just as secure as a debit or credit card, since the prepaid travel card is protected by a PIN and/or signature. In fact, some would say that prepaid travel cards are even more secure, since the money is not linked to your bank account and has a limited balance (which limits your exposure).

    It can also be a handy tool for budgeting. since you would load only the money you plan on spending for the trip onto the card, which helps you stick to your travel budget .

    Where to Get a Prepaid Travel Card

    Plug in a simple search for Travel Money Card and you’ll find a number of financial institutions offering prepaid travel cards that are ultimately backed by credit card companies.

    • Although these cards look and act just like credit cards, they operate on your prepaid balance instead of credit.
  • You can use them anywhere credit cards are accepted, including at the ATM for cash withdrawals.
  • You load money onto the card by direct transfer from your bank account. You can keep loading up the card as many times as you like.
  • If the card is stolen or lost, your bank account and credit rating won’t be compromised. PIN and signature cross-checks also help to keep your cash secure .
  • You load your home currency onto the card, and money is converted with each purchase, using the prevailing rates on the day of purchase.
  • Watch out for:

    • Keep an eye on the monthly fees, which can be upwards of $2.50US.
  • You’ll probably also get dinged for fees for activation, re-loading money, and making your first purchase.
  • Every time you use an ATM, you could see a fee.
  • If you don’t use all the money you loaded on the card (and don’t keep the card after the trip), you could pay to cash out your funds (e.g. $20).
  • Some vendors and cards require minimum amounts to be loaded on the card before you can use certain features. For example, if you want to use your card at an automated gas pump, you’ll need at least $50 on your card.
  • The currency conversion charge can be up to 7%.
  • Travelex Cash Passport

    Travelex has their own prepaid travel currency card called Cash Passport. They include but are not limited to cards backed by various credit card companies.

    • You pre-pay for a specified currency in advance, thereby locking in the exchange rate when you load money onto the card (instead of paying the prevailing rates each time you use the card).
  • You can use the card anywhere debit cards are accepted.
  • Cash Passports are currently only available in US Dollars, Euros, or British Pounds.
  • Watch out for:

    • Similar to prepaid travel cards from the credit card companies, you’ll be on the hook for monthly fees with Cash Passports, too; around $2.50US.
  • Keep the number of ATM withdrawals to a minimum, since you will pay for it each time.
  • UK Residents

    If you are in the UK, check out the FairFX Currency Card. which provides US Dollars or Euros and boasts favorable currency exchange rates.

    Overall, I don’t use or plan to use prepaid travel cards, for a few reasons. First off, as a full-time traveler. I tend to juggle many different currencies, and these cards seem a little restrictive for my needs. I also don’t like the monthly charges and some of the currency conversion fees.

    If I didn’t own a credit card, I might actually see some value in traveling with one of these prepaid travel cards; however as a devout credit card user. I think I’m pretty well covered (earning frequent flyer miles to boot).

    Do you have experience with prepaid travel cards? Please share in the comments!

    Other articles in this Travel and Money series:

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain.





    02/04/2017

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    Top Credit cards #travel #distance #calculator

    #best travel credit card
    #

    Credit card buying guide

    Getting started

    Things are looking rosier for credit-card holders. Consumers are paying down balances and facing fewer punitive actions by credit-card companies such as higher rates, late-payment fees, and canceled cards, according to a nationwide survey by the Consumer Reports National Research Center. And with reports of delinquencies and defaults down, card issuers have resumed stuffing your mailbox with offers, many of them featuring low-rate introductory deals or lucrative rewards.

    New Federal rules barring many abusive practices by card issuers seem to be having an effect. Only 12 percent of the 1,258 Americans surveyed in July said their credit-card companies had generally treated them unfairly, down from 22 percent in 2009. More people are being approved: Only 14 percent were denied a card in 2011, compared with 24 percent the previous year.

    But that doesn’t mean you can let down your guard. Thirty-five percent of survey respondents said that in the last year, they had experienced at least one credit-card problem, such as a new annual fee, higher interest rate, lower credit limit, or limits on rewards. Average interest rates on variable interest rate cards were 15.7 percent in December 2014, up from 10.8 percent in June 2009, according to Bankrate.com, a card-comparison site. And card issuers can change interest rates, terms, and conditions at any time.

    Attractive offers

    If you’re among the 56 percent of Americans who pay off their card balances each month, you might want to take advantage of offers promising introductory bonuses of cash, miles, or points. The best rewards-card deals are reserved for people with credit scores 740 and higher.





    01/04/2017

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    The Top 5 Credit Cards for Travel RewardsThe Points Guy #air

    #travel rewards credit cards
    #

    The Top 5 Credit Cards for Travel Rewards

    This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page .

    Since it s a new year, I ve already started to hear from a lot of friends and family that they are sick of seeing my amazing travels and not being able to go places themselves. So they re going to buckle down in 2014 and get into the points and miles game, starting with applying for the right credit cards to get their points portfolios in shape. If you ve got good credit and can pay off your bills in full every month, travel credit cards can be extremely lucrative and are the main way that I m able to fly first class internationally and stay at some of the nicest hotels in the world- often for less cash outlay than if I paid to fly coach or stay in a hostel.

    I flew to Seoul in Singapore Air s first class cabin for just 74,375 KrisFlyer miles and $203.30 one way- not bad for a $5,500 seat.

    For anyone else looking to get in the action, here are my picks the top five current credit card offers for beginners. I chose these because the sign-up bonuses are easy earn, the points or miles are easy to use, annual fees are reasonable and the cardholder benefits are valuable. It doesn t take a rocket scientist to use points or miles, the key is having those points or miles to use when you need them. For a full list of top deals, visit our TPG Top Deals page .

    1. Chase Sapphire Preferred

    Current Bonus: 40,000 points when you spend $3,000 in 3 months, plus 5,000 points when you add an authorized users and make a purchase on the card within the first 3 months.

    Spending Bonuses: 2 points per $1 on travel (which includes flights, hotels, car rentals, subway, parking, taxis, etc.) and restaurants (basically any food establishment and catering) with no maximum caps.

    Benefits: Points are worth 1.25 cents when redeeming with pay-with-points for airfare, hotel, car rentals and cruises (that means the 40,000 sign-up bonus = $500 towards travel at the very minimum); no foreign transaction fees ; extra earning potential through the Ultimate Rewards earning mall; Ultimate Rewards Exclusives experience redemptions, Visa Signature perks and protections, no foreign transaction fees and chip signature technology

    Transfer Partners: United, British Airways, Southwest, Korean Air, Virgin Atlantic, Hyatt, Marriott, Ritz-Carlton, Priority Club, Amtrak.

    Annual Fee: $95, waived the first year

    Why get it? A lot of people ask me what is the one travel credit card they should get. and while it really depends on what you re hoping to use your points for, the core card I almost always recommend to friends and family is the Chase Sapphire Preferred. That s because of its powerful earning potential, the ease of transferring to great partners, benefits like no foreign transaction fees (super important if you travel or use your card for foreign purchases), and the fact that even if you don t use the transfer partners, that 40,000-point bonus is worth $500 in travel. But if you do maximize those travel partners, you can make out like a bandit. For example, I m writing this post from my room at the newly opened Andaz Papagayo in Costa Rica. where rooms cost $600 a night or 22,000 Hyatt points (which transfer instantly at a 1:1 ratio from Chase Ultimate Rewards). So once you spend the $3,000 and get the 40,000-point bonus, that would be enough for 2 free nights, or $1,200 in value- all from a single credit card sign-up on a card that even has the first year annual fee waived.

    My 2014 began at the Andaz Papagayo, thanks to my Chase points transferred to Hyatt Gold Passport at an instant 1:1 ratio.

    For more information, check out these posts:

    Ranking the Chase Ultimate Rewards Transfer Partners

    Top 10 Ways To Maximize Each Ultimate Rewards Transfer Partner

    Current Bonus: 40,000 miles with $3,000 spend in the first 90 days

    Benefits: Earn 2 miles per dollar spent on all purchases and receive 10% of your miles back when you redeem on travel. Receive a complimentary membership to TripIt Pro. No foreign transaction fees and EMV chip technology. For more information on this card, read my review here. and then check out this post for details on its Travel Bonus Category and Redemption Options. and this one for ideas on the Top 10 Ways To Maximize Barclaycard Arrival Miles .

    Annual Fee: $89 waived the first year

    Why get it? The sign-up bonus is worth $440 towards travel, simply put. Since there is no annual fee the first year, so it is literally like free money, which is great for covering costs like award ticket fees, train tickets, car rentals, and other expenses you can t usually use travel points for like b b s, Airbnb, car rentals and more.

    Current Bonus:  Earn Two weekend night certificates, each good for one weekend night  (standard room, double occupancy) at most hotels and resorts within the Hilton Worldwide portfolio, after $2,500 in eligible purchases within the first 4 months.

    Category Spending Bonuses: 10 points for every $1 spent on hotel stays within the Hilton Worldwide portfolio; 5 points for every $1 spent on airline and car rental purchases; 3 points for every $1 spent on all other purchases.

    Benefits: Automatic Hilton HHonors Gold status; Diamond status with $40,000 annual spend; no foreign transaction fees, SmartChip technology ; Visa Signature benefits; cardholders who spend $10,000 annually get an anniversary free weekend-night certificate as well that can be used at any property

    Why get it? Those two free nights you get as a sign-up and spending bonus are good at ANY hilton in the world, which can be an amazing value if you redeem at Hilton s top properties where award nights can cost 95,000 points (for a standard room at the best rates), like I recently did at the Conrad Maldives. That equates to a 190,000-point bonus, or nearly $2,500 in value in my case.

    I used my two free weekend nights to stay at the Conrad Maldives and then paid to upgrade to the overwater bungalow.

    For more information, check out these posts:

    Current Bonus:  Earn 25,000 points after $3,000 spent within the first 3 months.

    Category Spending Bonuses: 2x points on Starwood purchases, 1x on other purchases.

    Benefits: Get 5,000 bonus Starpoints when you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines; 2 stays/5 nights credit toward elite status qualification.

    Annual Fee: $0 introductory annual fee for the first year, then $95

    Why get it? This card is great for spend when you can t get a category spending bonus on other cards because Starpoints are one of the most valuable currencies out there. Plus, Amex has great purchase protections.

    SPG points are great for airline transfers Alaska Airlines is one of my favorites, giving the ability to redeem for Emirates first class, which I recently flew on the A380.

    For more information, check out these posts:

    Current Bonus: Check the CardMatch tool   to see if you are targeted for a higher offer than the current public offer for 40,000 points   after you spend $3,000 in 3 months.

    Benefits:  This card also comes with an array of valuable benefits, including a $200 annual airline rebate, access to Delta and Priority Pass lounges (as well as the Amex Centurion Lounges ), and a Global Entry or TSA PreCheck application rebate (see posts below for more info).

    Annual Fee:  $450





    01/04/2017

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    The Best Travel Credit Cards #travel #jobs

    #best travel credit card
    #

    The Best Travel Credit Cards

    The best travel reward credit cards for earning the most miles and points

    Travel reward credit cards are one of the best ways to earn points and miles quickly to redeem for free flights, hotels, and other travel perks. Below you will find the best cards available right now and their best features. Not sure if you qualify? Check out my guide on understanding your credit score and travel hacking with less than perfect credit. Now take a look at some of the best travel credit cards available right now and find out which one is best for you .

    The Best Travel Credit Cards

    Chase Sapphire Preferred Card

    The card offers 2 points per dollar on every travel and dining dollar spent and you will earn one reward point the rest of your purchases. There is no annual fee for the first year and it is $95 after that. The 40,000 sign-up bonus can be transferred to airlines and hotels. A great feature is there are no foreign transaction fees. Apply Here

    Starwood Preferred Guest from American Express

    Don t confuse this for just a hotel rewards card. The points earned with this card can be transferred to almost any airline.Earn up to 25,000 points. 10,000 points after your first purchase and 15,000 more points after you spend $5,000 in the first 6 months. No annual fee the first year and $65 after that. Apply Here

    American Express Premier Rewards Gold Card

    Earn triple mile on flights and double points on gas and groceries. A solid sign-up bonus of 25,000 points with no annual fee the first year. Apply Here

    The Platinum Card from American Express

    With an annual fee of $450 this card isn t cheap but it comes with some great perks. It comes with a priority lounge pass and $200 annual credit that can be redeemed on flights. It also will reimburse the $100 global entry application fees. 25,000 mile sign-up bonus and high-end rewards make this card for serious travelers. Apply Here

    Gold Delta SkyMiles Credit Card from American Express

    This is a great card and with a easy to meet minimum spend. Earn 30,000 miles after $1,000 in the first three months. The annual fee is waived the first year and check your bags free on all Delta flights. Apply Here

    US Airways Premier World MasterCard

    Earn a fast 30,000 Dividend Miles from US Airways. The annual fee is not waived but you can earn up to 40,000 miles with other qualifying offers. This card is a good deal and better get it before United becomes part of American. Apply Here

    Citi Platinum Select / AAdvantage World MasterCard

    Earn 30,000 AAdvantage miles with $1,000 miles in the first three months. Other perks include first bag checked free, Group 1 boarding, and $100 American Airlines flight discount annually. Apply Here

    More Great Travel Credit Cards

    Barclay Arrival Mastercard

    You aren t going to earn points and miles the same way you will with some of these other cards but you will receive great perks. Earn $400 cash back on travel purchases (hotel and airlines) after spending $1,000 in 3 months. You will earn 40,000 bonus miles which really equals $400 is and is a great perk. Apply Here

    Capital One Venture Rewards Credit Card

    This card is as simple as it gets. Earn double miles on every purchase and redeem them for free flights. Earn a 10,000 mile sign-up bonus after a $1,000 minimum spend. There is no annual fee the first year and it is $59 after that. Apply Here

    British Airways Visa Signature Card

    Earn 50,000 Avios with a low minimum spend of $2,000 in the first three months. You can earn up to 100,000 Avios a year with this card. Apply Here

    United Explorer Card

    Earn 30,000 Mileage Plus miles after a $1,000 minimum spend. You can earn an additional 5,000 miles by adding another user to the card. Other perks include first bag checked free and no foreign transaction fees. Apply Here

    Hotel Travel Credit Cards

    Starwood Preferred Guest Credit Card from American Express





    01/04/2017

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    The Best Prepaid Travel Cards. #tauck #travel

    #travel credit cards
    #

    The Best Prepaid Travel Cards

    What’s the best way to carry money when traveling abroad? There are more options than ever before, and yet it’s hard to find a payment method that offers maximum convenience and security essential features for most travelers.

    Most people simply bring their credit cards or debit cards with them. Plastic is more secure than cash, and there’s no need to worry about bringing enough funds.

    However, there are drawbacks to using credit cards overseas as well. For example, Americans traveling in countries with the new chip-and-PIN standards for credit cards are increasingly finding that their credit cards are no longer universally accepted .

    At the same time, travelers cheques, like those traditionally issued by American Express, are slowly becoming outdated. According to industry experts, not only are travelers checks more cumbersome to deal with, they are also becoming less accepted overseas.

    If you prefer leaving your credit cards at home, consider bringing a prepaid travel card instead. Prepaid travel cards can be used anywhere credit or debit cards are accepted, including at ATMs. The money loaded on the card is converted to the local currency with each purchase, using the dominant exchange rate of that day.

    Users have the option to reload the card as many times as needed, no matter where they are. In addition, some prepaid travel cards, like the Travelex, feature chip-and-PIN security technology, meaning that the card will be approved in places where American credit cards might not be approved.

    Prepaid travel cards do have downsides, including costly fees and, in some cases, poor conversion rates. And if you have extra money at the end of your trip, some cards may require you to pay a fee to get your money back.

    “Most prepaid travel cards are not as good a deal as regular credit or debit cards,” says Ed Perkins, a contributing editor at SmarterTravel.com. “However, people still like them because they limit your losses; you can’t lose anything more than what you have on the card.”

    It used to be that any prepaid credit card could be used overseas. However, international drug traffickers were quick to catch on to the fact that they were a great way to transport drug money from the U.S. so that loophole has been closed.

    These days, when planning a trip abroad, it’s important to specifically get a prepaid travel card, not just a regular prepaid card. Here is a list of the most common prepaid travel cards and their key features.

    The Visa TravelMoney card

    Pros: Security features are this card’s strong points. If the card is lost or stolen, the Visa TravelMoney card offers emergency card replacement and cash that is generally delivered within one business day. The card also comes with zero liability protection from fraudulent use, as well as reimbursement for lost luggage. It can also be easily reloaded online or over the phone.

    Cons: Downsides include high fees and a 7 percent currency conversion rate. In addition, the card is not chip-and-PIN compatible.

    Where to get it: The Visa TravelMoney card is available at many chain drugstores and supermarkets, as well as at big box stores. At the time of publication, it was not available online.

    Travelex/MasterCard Cash Passport

    Pros: The biggest draw of the Travelex/MasterCard card is that it can be loaded with different currencies of your choosing, including U.S. dollars, Euros or English pounds. Another key advantage of the Travelex MasterCard is that this prepaid card is fully equipped with chip-and-PIN technology, so you won’t have to worry about whether the card will be accepted overseas.

    The Cash Passport also has several of the same security features as the Visa model, including zero liability and 24-hour security support. In addition, the card enables cardholders to get their dollars back without an exchange penalty.

    Cons: The main drawback is the card s poor conversion rates, which are higher than for credit cards and other prepaid travel cards. However, many travelers will find that this is a price worth paying for the added features, particularly the chip-and-PIN compatibility.

    Where to get it: The Travelex card is available in local retail stores and online .

    Pass from American Express

    Pros: It’s kid-friendly. The American Express Pass card is aimed at parents of teenagers or young adults for use both domestically and overseas. For parents sending their youngster out to explore the world, the card has several attractive features.

    “Many people use prepaid travel cards for their kids,” says Perkins. “They can put $500 on the card and not have to worry about losing more money. There’s enough to worry about when your kids are traveling as it is, so many appreciate the extra peace of mind.”

    Parents have the ability to add money, check the balance, view the transaction history and set up alerts. The card is a great way to make sure your kids has the money he or she needs and keep an eye on what your kid is spending money on.

    Like other American Express cards, Pass comes with purchase protection and GlobalAssist, which will direct cardholders to English-speaking medical and legal professionals, as well as to people who can help with lost passports.

    Cons: Like the Visa TravelMoney card, the Pass card does not feature chip-and-PIN technology a definite drawback. According to an American Express spokesperson, American Express currently has no plans to add chip-and-PIN features to the card.

    Where to get it: The Pass prepaid travel card can be ordered online at the American Express website.





    31/03/2017

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    The 5 Best Travel Credit Cards of 2015. #how #to #find

    #travel rewards credit cards
    #

    The 5 Best Travel Credit Cards

    Latest Update November 11, 2015

    Similar to the Hilton HHonors card, the Marriott Rewards® Premier card provides rewards to cardholders who stay at Marriott hotels. Someone with no interest in redeeming points for free stays at Marriott hotels should mark this card off their list. People who are regular Marriott customers will find this travel rewards credit card to be one of the best around. First, the sign-up bonus, at 50,000 bonus points after spending $1,000 in the first three months, is one of the best of any card in the industry. New cardholders also get one free night stay at a Marriott hotel. For every dollar spent at over 3,600 Marriott locations, five points are earned. Airline tickets, restaurants, and car rentals will earn two points for every one dollar. Besides the specialized nature of the Marriott Rewards® card, the only other negative is the annual fee of $85, but the first year fee is waived.

    Editorial Note: The editorial content on this page is not provided by our advertisers. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.





    31/03/2017

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    Giving the gift of flight with airline gift cards #tickets #for

    #travel airline tickets
    #

    Giving the gift of flight with airline gift cards

    Terms and conditions vary, so do your homework first

    By Allie Johnson

    Airline gift cards can be an easy way to give the gift of travel in a neat little package. Anyone considering giving one of these cards as a gift, though, should check the terms and conditions ahead of time, be careful when choosing the airline and make sure the recipient will use it (see Airline gift card comparison chart ).

    You have to make sure the card you get is convenient for the recipient, says travel expert Marybeth Bond, who offers travel tips on her website. But the nice thing is that a gift card offers flexibility — you can use it to buy a ticket to anywhere.

    Though retail gift cards have been around for well over a decade, airline gift cards took a bit longer to catch on. Many domestic airlines have now done away with gift certificates and offer only plastic or virtual gift cards. In most cases, buyers of airline gift cards don’t have to worry about the major snags associated with some retail gift cards: Most airline cards do not expire or diminish in value if the card goes unused, even for years.

    There are still catches and restrictions to watch out for, though, and even questions about whether a gift card still will be good if an airline goes bankrupt or merges. So, here’s a guide to the ins and outs of using airline gift cards.

    The best way to buy

    Walk into a major discount store, grocery store or warehouse club, and you might see airline gift cards hanging near the checkout. However, it’s best to resist the urge to make an impulse purchase, experts say. The best place to buy them is on the airline’s website, says gift card expert Kwame Kuadey, CEO of the gift-card swapping site GiftCardRescue.com. If you buy them in a store, they only come in very small denominations, and $50 or $100 is really just a down payment on a ticket.

    Purchasing multiple cards would be an option — though maybe an awkward one, since the recipient would have to keep track of all that plastic — but most airlines put restrictions on the number of cards that can be used for the purchase of a single ticket. One question to ask the airline is whether you can redeem multiple cards when booking a single ticket, Kuadey says.

    Buying the card on an airline’s website also offers added security. Websites that specialize in selling gift cards hawk airline gift cards at a discount — so do individuals on Craigslist and eBay — but just about all airlines’ terms and conditions warn that cards purchased anywhere but through the airline or an authorized retailer might not be valid.

    4 things to consider when buying an airline gift card or gift certificate

    Before airline gift cards became available, gift certificates provided a way to buy air travel for someone else. Some airlines still don’t offer gift cards, but do offer paper or electronic gift certificates. Here are some things to consider when trying to decide between a gift card and a gift certificate:

    1. As with gift cards, the maximum dollar amount of a gift certificate varies from airline to airline.
    2. Most gift certificates, like most cards, are transferable to another person. However, if there’s any chance the recipient might not use the certificate, it’s a good idea to double check.
    3. As with gift cards, places where gift certificates can be redeemed vary. Gift cards typically cannot be redeemed through a travel agent, but some gift certificates can.
    4. It is becoming more common for airlines to not offer a paper gift certificate option and instead send the certificate by email, so there’s no physical gift for the recipient to open.

    After purchasing a gift card on an airline’s website, the buyer typically has several shipping options for the card — usually standard, two-day or overnight shipping for a charge of between $3 and $15. Or, some airlines offer the free option of giving a virtual card — an email sent to the recipient with a card number and PIN number.

    Watch out for pitfalls

    Travel experts say the biggest mistake the giver of an airline gift card can make is choosing the wrong airline. To avoid that, pick an airline the recipient flies frequently or one that has a nearby hub or offers a large number of flights in and out of the major airport closest to the recipient’s home, Bond recommends. If you have a specific trip in mind, check the routes ahead of time, Bond says.

    BestFares.com CEO Tom Parsons, a budget travel expert who has been in the travel business for about 30 years, says being locked into one airline can still cause problems. For one, another airline might be offering a bargain flight to the cardholder’s chosen destination. Also, the airline might charge extra fees that the gift card recipient will have to pay out of pocket. There might be a baggage fee, a kid-flies-solo fee, change fees, a charge for a blanket and $3 for a soda pop, Parsons says. So, checking the airline’s baggage and other fees before your purchase is a good idea.

    Consumer advocates say another risk of airline gift cards is that some airlines state in their terms and conditions that they will not freeze funds on and replace a lost or stolen card. Beware. If your card is lost or stolen, you could either be in for a big hassle — or out of luck, says Jack Gillis, director of public affairs with the Consumer Federation of America. Gift card expert Kuadey agrees: These are high-value gifts, so you want to make sure the card is replaceable.

    If you’re giving an airline gift card — especially to someone who might not use it right away — a possible future airline bankruptcy also could be an issue. If an airline goes bankrupt, it’s hard to predict whether it will be easy for you to get your money, Gillis says. So, before you buy, think about, ‘How solvent is that airline?’

    In tough economic times, an airline gift card can provide the luxury of travel for someone who might not otherwise be able to afford it. But an airline gift card isn’t for everyone. For example, it might not be right to give to someone who is on too tight a budget to pay for a hotel or restaurant meals. You might have a $300 gift card, but if you don’t have the other money for a trip, the card might just sit around, Kuadey says.

    Instead, experts recommend giving an airline gift card to someone who is travel-savvy or who is planning a specific trip but hasn’t yet purchased tickets. It can also work for a friend or relative who has always wanted to go to a particular place but needs a nudge to actually take the big step and plan something. It wouldn’t be as good a gift for people who don’t have the habit of traveling, Bond says.

    Giving an airline gift card did work well for writer and designer Tamela Terry, who chipped in with her sister on a $200 American Airlines card for their mother’s birthday. Terry’s mother used the gift to fly from Texas to Maryland for a family party. It was easy peasy — completely painless, Terry says. There was a downside, though. Terry and her sister chose to have the card number and PIN sent via email to avoid a shipping fee, so the presentation was not impressive. Terry says: It was pretty underwhelming.

    Even opening a plastic gift card can seem impersonal, but experts say you can get around that with creative presentation. Gift expert Leah Ingram, author of Gifts Anytime: How to Find the Perfect Present for Any Occasion, who offers tips on her website GiftsandEtiquette.com, suggests perusing online auction sites for an unusual flight-related item, such as a vintage airline bag, and adding little extras that could come in handy on a trip — chewing gum, hand sanitizer, a map, travel-sized toiletries — along with the gift card.

    Get anything you can think of that screams airport or airplane and put it in a kitschy bag or even buy a cute new carry-on bag, Ingram says. You can really make it fun.

    Updated: November 13, 2013

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    31/03/2017

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    S Best Travel Credit Cards #travel #agency

    #best travel credit card
    #

    Best Travel Credit Cards

    Oct 20, 2015

    Global energy politics have resulted in something of a boon for American households in recent months, with dramatically reduced prices at the pump expected to save the typical family roughly $750 over the course of 2015 and airfare finally starting to reflect reduced jet fuel costs. It therefore figures show more

    that the already-frantic fall and winter travel seasons may be even busier than normal this year. But with that in mind, it’s important to note that one’s ability to save money while seeing friends, family and the world over the holidays isn’t limited to the whims of the oil markets. Another important financial tailwind – historically valuable credit card rewards – have actually grown even more lucrative in the past year, according to CardHub’s latest Credit Card Landscape Report. with sign-up bonuses worth up to $625 and various other perks available to people who have above-average credit standing.

    Citi ThankYou Premier Card

    Chase Sapphire Preferred Card

    Barclaycard Arrival Plus World Elite MasterCard

    Capital One Venture Rewards Credit Card

    Frontier Airlines Credit Card

    PenFed Premium Travel Rewards American Express Credit Card

    Club Carlson SM Premier Rewards Visa Signature Card

    IHG Rewards Club Select Credit Card

    You’ll get 60,000 bonus points in return for spending at least $1,000 during the first three months you have the IHG Credit Card. That bounty is redeemable for up to 12 free nights, as IHG offers rewards nights for as low as 5,000 points through its PointBreaks program.

    This card does not have a first-year annual fee ($49 thereafter) and does not charge a foreign transaction fee. Hotels operating under the IHG umbrella include the Holiday Inn family of hotels and Crowne Plaza.

    More details about this offer can be found in our IHG Credit Card Review. You can also learn more IHG Rewards Club in general by checking out our IHG Rewards Program Review.

    Hilton HHonors Surpass SM Credit Card





    28/03/2017

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    Compare the Best Travel Rewards Credit Cards & Apply Online at

    #travel credit cards
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    Credit Cards based on your choice

    Card Comparison Other

    Credit Cards

    Democracy for your dollar

    with Travel Credit Cards

    Compare Travel Credit cards

    Find the best travel credit cards in Canada with the Kanetix Credit Card Comparison Service. Easily compare credit cards with a variety of travel rewards that you can redeem for flights, hotels, car rentals and other travel related expenses. Apply online for a travel rewards credit card today and start taking advantage of all the great travel credit card benefits!

    Why get a Travel credit card?

    If you tend to do a lot traveling, a travel rewards credit card is likely the best credit card for you. With a travel card you accumulate points for using the card. These points can be redeemed for travel related expenses which often include hotels and car rentals in addition to flights. Many of these cards have bonus points that you automatically get once approved for the card. Air miles and aeroplan miles are the most popular rewards programs however there are many other great options. The more you use the card the more rewards you accumulate. Some travel cards even have no cap on the number of rewards you’re able to accumulate, so, if you use your card frequently, you could even travel for free on occasion. (Some cards even offer certain kinds of travel insurance )

    Travel rewards credit cards Canada

    The one credit card a frequent traveler can get the biggest bang for their buck is definitely a travel credit card. Browse our wide selection of travel rewards credit cards and carefully read all the relevant information to ensure you’re choosing the best possible card for your needs. In addition to the rewards program you should also consider the interest rate which can be a big factor if you tend to carry a large credit card balance. Also decide on the credit card limit you’d like to apply for. Apply for the card through our site by submitting an application directly to the card provider. You will be notified of the approval directly by the company.

    Please note that for many travel credit cards a good credit history is required. If in doubt about your credit history, you can check your credit report to find out your credit score (You can estimate your credit score with our free credit score calculator ) If you don’t have a sufficient credit history, another option such as a secured credit card may be more appropriate.

    When choosing a travel rewards card make sure you understand how the reward points work and what they can be redeemed for. While it’s often difficult to value points in terms of cash, it’s important to try to understand the difference between different reward points when comparing different cards. The more informed you are, the higher is the likelihood that you will choose the best possible travel credit card for you!

    Visit the credit card information section of our website to browse additional articles about credit cards, like: The ABCs of credit cards. and if you come across a term you don’t understand, you can look up the word definition in our credit card glossary .

    Compare travel credit cards online and view all of our great credit card offers today at KANETIX.ca!

    Need a credit card that will reward you for your spending? If so, a travel credit card is the way to go. This type of rewards credit card earns you points for your spending which you can redeem for travel related expenses. We have all the travel credit cards to meet your needs – air miles credit cards, aeroplan miles credit cards and other types of rewards cards. AMEX rewards, Visa rewards and MasterCard rewards are available from credit card companies such as American Express, Scotiabank and MBNA.

    Note: All credit card content displayed on KANETIX.ca is for informational purposes only, to help our visitors make an informed decision when choosing and applying for the best Canadian credit card to meet their needs. All information is provided to KANETIX by credit card issuers and displayed on an as-is basis. Although great care is taken to provide precise information to our visitors, KANETIX.ca makes no representations as to accuracy, completeness, suitability, or validity of any information on this credit card site and will not be liable for any errors, omissions, delays in this information or damages arising from its display or use.

    Other Credit Cards & resources





    17/03/2017

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    Best Travel Credit Cards – How To Boost Travel #travel #insurace

    #travel credit cards
    #

    7 ways to boost travel with credit cards

    Credit Cards » 7 ways to boost travel with credit cards

    Everyone knows credit card issuers offer airline miles. hotel discounts and other travel perks as rewards to their cardholders. But savvy travelers know more rewards are out there for those willing to look for them.

    Cardholders who take the time to learn the details of their card’s rewards program can often net major savings when they take their plastic on the road. Check out some of these tips and save big on your next vacation.

    Lock down a price

    It’s so annoying to book a flight and then find out that you could have gotten a much better deal. But technology is starting to provide more options to travelers with buyer’s remorse. For instance, the MasterCard PriceAssure program allows cardholders to track their itinerary to see if a price change entitles them to an airline credit. The program is free to enroll for anyone with a MasterCard, and it works with any foreign or domestic flight on Delta, United, American, Continental and seven other carriers.

    If the cardholder is entitled to a credit, they can claim it themselves or they can have MasterCard do the work for them for $19.95. The fee covers all the tickets on the itinerary, says Chris Aguas, vice president of new product development at MasterCard Worldwide. If for some reason MasterCard is unable to collect the airline credit, your card won’t be charged the fee.

    Try not to pay for bags

    Like it or not, most airlines charge extra for baggage these days. But depending on the airline and the credit card in your wallet, you may be able to check your luggage without the fee.

    “When Continental Presidential card members book flights with their credit cards, their first bag — and often second bag depending on their card type — are flown free of charge,” says Adam Goldstein, CEO of Hipmunk, a search engine for flights and hotels.

    “Delta SkyMiles (credit) card members can check their first bag for free regardless of whether they book the flight with the card, he says. “They simply (need to) provide the SkyMiles number when booking the flight or when checking in at the airport.”

    If you aren’t flying Delta or Continental, other travel rewards credit cards may offer reimbursement of luggage or other incidental charges, so check before you book.

    Book through the right site

    Booking air, hotel or other travel services through your credit card’s website may not be the first instinct for most travelers. But doing so can be an especially attractive tactic, according to Goldstein, who says many savvy travelers find excellent deals that are available only to cardholders.

    Another option, says Goldstein, is to take advantage of deals offered to cardholders through the airline’s website.

    “Booking through the airline directly with the airline credit card oftentimes yields double miles,” Goldstein says.

    To make sure gaining mileage isn’t a blow to their pocketbooks, travelers need to do a little more research on travel aggregators, Goldstein says. Once they see the flight on those sites, they’ll know if the price listed on the airline’s site is the best deal. However, Goldstein adds, to get the double miles, they’ll need to go back to the airline’s site to book the ticket.

    Check the insurance

    Traveling without insurance can be risky, but what many cardholders may not realize is they probably already have some coverage through their credit card.

    “Consumers should spend time learning about any insurance options on their cards,” says Kelly Passey, an executive vice president at Access Development, a firm based in Salt Lake City that sets up merchant loyalty and reward programs.

    “Certain cards will have travel accident, foreign medical emergency coverage, purchase protection and extended warranty built in, but typically those types of services are only available for platinum card holders or with an extra fee for regular card holders,” she says.

    According to Passey, these services aren’t likely to replace a cardholder’s regular insurance coverage but may help fill in gaps, such as lost baggage reimbursement.

    Rental cars

    If you’re renting a car on your trip, it’s a good idea to check your credit card before you buy the extra insurance that most rental agencies offer, says Matthew Bailey of Canadian Free Flyers, a Web-based newsletter that helps travelers capitalize on travel rewards programs.

    “Most credit card companies cover car rentals with little or no deductible,” says Bailey. “But if you buy the separate rental car insurance, then (the policy for your credit card) may be void.”

    Be sure to check with your credit card issuer on the limitations and rules.

    Change currency without a fee

    International travelers may not realize it, but if they want to use their credit cards overseas, they may end up paying a foreign transaction fee. says Susanna Zaraysky, author of “Travel Happy, Budget Low: Over 200 Money Saving Tips to See the World.”

    “When you make purchases abroad, your credit card may charge you a foreign currency transaction fee of anywhere from 1 (percent) to 3 percent,” Zaraysky says. “This can become expensive if you buy many things abroad with your credit card.”

    Several credit issuers waive their foreign transaction fees on specific cards and some have done away with foreign transaction fees altogether.

    According to Zaraysky, most travelers should carry a few cards for security reasons, so it’s a good idea to check with your credit card company to find out which card will give you the best deal when making purchases in a foreign currency.

    Rack up miles

    You’ve probably seen the offers hundreds of times. Sign up for a specific airline rewards card and get tens of thousands of miles, plus one mile for every dollar spent.

    According to Zaraysky, these kinds of offers can be gold mines for savvy travelers, especially if the issuer waives the first year’s fee.

    “I accrue so many miles because I play the games offered by the airlines,” she says. “Each airline has its own credit card that it wants its customers to use, (and) you get a 15,000- or 21,000-mile bonus when you sign up for the credit card.”

    Still, it’s important to keep your perspective on these offers, Zaraysky says. Travelers need to be able to pay their bills on time every month. Otherwise, the extra miles won’t make up for the hit your credit score takes.





    14/03/2017

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    Best Credit Cards for Travel of 2015 #flight #hotel #car

    #best travel credit card
    #

    Best Credit Cards for Travel of 2015

    In general, getting a travel credit card can be a very lucrative endeavor, if your budget suits it. We examined the average 2-year rewards across a number of different credit card types, and found that these cards are second, only to hotel credit cards. While hotel cards tend to offer some of the best overall rewards, the redemption options for the points they give out tend to be far more limited. Travel credit cards are ones that allow consumers to move their points around between different loyalty programs, or use them as statement credit.

    In our analysis, the sample budget included $2,400 in annual spending towards airlines and hotels (combined), and $12,000 in spending across other categories.

    Our Picks For the Best Travel Credit Cards in 2015

    The following cards are among the best for their respective categories. If you would like to receive more refined list – one that is tailored specifically to your individual budget – we recommend using the tool at the bottom of this page. For more information on how we determined the winners for each of the above categories, take a look at our methodology section.

    Best For Maximizing Rewards: Chase Sapphire Preferred® Card





    14/03/2017

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    Best Credit Cards #japan #travel

    #times travel
    #

    Travel

    Photo: Shutterstock

    The average earn rate on travel rewards cards has reached a cruising altitude of 1%, NerdWallet reports, but redeeming miles can be challenging. Unless you fly one airline a lot, go for one of the newer breed of cards that are airline agnostic. The generic travel rewards cards don t have blackout dates or restrictions, says Ben Woolsey of Creditcards.com.

    Go abroad a lot? More cards have no foreign transaction fee (27% vs. 4% in 2010). Only your plastic may not always work: Many countries are moving to a chip-and-pin technology available on few U.S. cards.

    BEST FOR TRAVEL REWARDS

    Barclaycard Arrival World MasterCard (barclaycardus.com)

    APR: 15% to 19%

    Annual fee: $89 (waived first year)

    Sign-up bonus: 40,000 bonus miles if you spend $1,000 in first 90 days (buys a $400 flight)

    Rewards: 2 miles per $1 spent; 10% miles back when you use them for travel

    Why it s a winner: Card not only comes with one of the largest sign-up bonuses but also has an impressive ongoing rewards rate of 2% with no caps. Miles can be applied as a statement credit when you spend on any kind of travel, be it flights, cruises, car rentals, or hotels. So you have a lot more leeway than an airline card. Plus, Arrival World MasterCard does not have a foreign transaction fee.

    The caveat: Doesn t have chip-and-pin technology, so it might not always work overseas. A salesperson can manually put through a magnetic strip card like this one, but you could have trouble at unmanned kiosks.

    BEST FOR USING OVERSEAS

    Andrews Federal Credit Union GlobeTrek Rewards (andrewsfcu.org)

    APR: 8% to 18%

    Annual fee: $0

    Sign-up bonus: 5,000 points with your first purchase

    Rewards: One point per $1 spent

    Why it s a winner: One of a handful of cards in the U.S. that come equipped with chip-and-pin technology while also having no foreign transaction fee and no annual fee. You can join the Andrews Federal Credit Union by first joining (for free) the American Consumer Council.

    The caveat: Value of rewards on the GlobeTrek is average and they cannot be redeemed for cash, only for travel and merchandise; this card is really only for use while traveling overseas.





    14/03/2017

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    Best Airline Credit Cards of 2015 – The Simple Dollar #airfare

    #travel credit cards
    #

    The Best Airline Credit Cards of 2015

    Earn credit card points toward free airfare and travel

    This year, I decided to take a fresh approach to the best airline credit cards. With rising fares and falling oil, no one knows the future for air travel prices, but these cards will still offer you great sign-up bonuses and the ability to earn air miles in your frequent flier program to put towards free flights. Some airline credit cards offer additional perks and benefits, like companion fares, priority boarding, and free bags.

    I still don’t believe you should own an airline card as your primary credit card (see my rules for owning an airline credit card below). Before choosing an airline card from this list, make sure you set yourself up with an all around best rewards travel credit card.

    Here is the top travel credit card to consider (I share all the best airline cards just below):

    The reason you should choose a more general travel card is that airline cards are great for specific purchases on one airline, but not so great for all other purchases. In many cases, the rewards rate for using an airline card on your favorite airline isn’t higher than if you used a travel rewards card for the exact same purchase (2x points or miles per dollar spent).

    Then, if you re not traveling ALL the time I d add on the Chase Freedom® Card before adding an airline card. The Freedom® has no annual fee, and its points are transferrable to the Chase Sapphire Preferred® Card, so you can add them together and maximize the travel benefits.

    Going with this strategy, the Chase Sapphire Preferred® Card allows you to earn 2x points on all travel, plus dining purchases where your airline card can’t. In most cases, going with one of these cards is your best bet, unless you fly on only one airline and fly often. If you don t fall into this category, think about getting a more flexible travel rewards credit card first.

    Table of Contents

    The Simple Dollar’s Top Airline Credit Card Picks

    Because we view airlines cards as secondary, I wanted to show you a variety of cards, from the major airlines on down to smaller regionals. My goals was to show you what some of the top benefits are of specific airline cards so you can decide if an airlines card is really right for you.

    Here are the 5 best airline credit cards:

    While there are fewer airline cards to consider in comparison to overall rewards cards, choosing the top airline credit cards is difficult. The choice is much more individualized, as the best airline credit card depends on your preferences, location and choice of airline.

    Earning rewards is less about the airline credit card itself and more about the combination of the card with the airline s frequent flyer program.

    The best airline credit cards compete with one another by offering unique card membership features. Listed below is a collection of standout features taken from all of the airline credit cards on the market:

    • Big signup bonuses
    • 2X miles or more for airline purchases
    • Yearly companion fares
    • Many travel perks
    • High flight availability or several travel partners
    • Opportunities to earn additional rewards

    What to Consider Before Getting An Airline Credit Card

    Here are my basic rules for getting an airline credit card:

    1. You are loyal to one airline.
    2. You fly more than five times per year.
    3. You have no problem occasionally paying more for airfare.
    4. You will take advantage of companion fares.
    5. You own or plan on owning an all-around rewards credit card for purchases away from the airline. (This is very important.)
    6. You always pay your balance on time.

    Make sure an airline credit card isn t the only credit card you own.

    Personally, I don t think you should own an airline credit card without owning a top rewards card like the Chase Sapphire Preferred® Card. This card gets you the same rewards rate on travel as most of the airline credit cards, plus you get the 2X rate on dining as well.

    Rewards aren t the only thing that matters for airline credit cards.

    I mentioned the importance of maximizing the value of an airline credit card, but there are other ways these cards offer value in addition to rewards. While rewards are still the most important factor, the perks and benefits from airline credit cards should not be overlooked.

    The Gold Delta SkyMiles® Credit Card from American Express

    The Gold Delta SkyMiles® Credit Card from American Express gives you the flexibility of flying and saving with the largest airline in North America. You can earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months and a consistent rewards earning potential, this card is a great option for frequent travelers.

    One of the best features of this card is the Crossover Rewards program Delta has with Starwood hotels. When you register for this program you can double dip on points by earning Delta Skymiles and Starpoints when you book a Delta flight. The same is true when you book a Starwood Hotels stay. If you travel frequently, it could really pay to pair the Gold Delta Skymiles® Credit Card from American Express with the Starwood Preferred Guest® Credit Card from American Express. one of my picks for best hotel credit cards .





    13/02/2017

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