Why I’m keeping my Chase Sapphire Preferred card forever – The Points Guy


Why I’m keeping my Chase Sapphire Preferred card forever – The Points Guy


Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

5 Cards to Help You Quickly Save Up for Summer Vacation

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Source: credit.com

Why I used Chase points to book flights despite cheap airfares – The Points Guy


Chase Sapphire Preferred: Points vs cash – The Points Guy


Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

3 Credit Cards to Help You Bar Hop Responsibly

Americans are lucky to be offered hundreds of competing credit cards, but it can be difficult to find the right one to suit your needs. Therefore, it’s important to know what your spending habits are in order to choose the card that makes the most sense for you.

Cardholders who carry a balance should look for a card with the lowest interest rate, and possibly one with 0% APR introductory financing. A lower interest rate means you will pay less money toward interest charges as you pay down the balance. Meanwhile, those who can avoid interest charges by paying their balances in full every month should choose a card that offers the most valuable rewards in the form of points, miles or cash back.

Make sure you also generally meet the credit issuer’s criteria. It’s a good idea to know what your credit score is so that you can target your search to a card you’re more likely to get approved for.

You should consider any benefits offered by the card, such as purchase protection or travel insurance. Finally, applicants should also take into account any applicable fees — such as annual fees and foreign transaction fees.

Source: credit.com

TPG credit card reader question: Can you pair the Chase Sapphire Preferred with an airline or hotel credit card? – The Points Guy


Can you pair the Chase Sapphire Preferred with an airline or hotel credit card?


Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

Why you’ll want to pay the $95 annual fee on the Chase Sapphire Preferred – The Points Guy


Why you’ll want to pay the $95 annual fee on the Chase Sapphire Preferred – The Points Guy


Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

Why the Capital One Venture will be the next card I add to my wallet – The Points Guy


Why the Capital One Venture will be the next card I add to my wallet – The Points Guy


Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

3 Credit Cards That Help Music Fans See the Coolest Shows

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.]

Concerts let you experience your favorite musical artists with a community of like-minded fans in a live setting. Live music fanatics know the thrill of the concert experience, and they’re constantly watching to secure tickets for the best shows.

Whether you prefer bombastic arena events or intimate venues, you could benefit from a credit card that helps connect you with tickets. Some cards can help you hit shows from your favorite artists and earn rewards for everyday spending.

1. Citi ThankYou Preferred Card

Rewards: Two points per dollar spent on dining and entertainment, one point per dollar spent on everything else
Signup Bonus: 15,000 bonus points when you spend $1,000 in the first three months
Annual Fee: None
Annual Percentage Rate (APR): 0% for 15 months on purchases and balance transfers and then 15.24% – 25.24% (Variable) ongoing APR.
Why We Picked It: Dining and entertainment purchases earn double points, and cardholders get access to presale tickets and VIP concert packages.
Benefits: This card earns two points for every dollar spent on dining and entertainment, which includes live concerts, record store purchases and music streaming services. Other purchases earn one point per dollar. Points can be redeemed for dining, entertainment, retail goods and more. Plus, with Citi Private Pass, cardholders get access to tickets for thousands of annual events, including concert presales and VIP packages.
Drawbacks: If you tend to prefer cheaper shows and don’t dine out often, you won’t be taking full advantage of the double points. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

Rewards: 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide
Signup Bonus: Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
Annual Fee: $95
APR: 15.99% – 22.99% Variable
Why We Picked It: Cardholders can get presale tickets and exclusive access to many live music events in New York City.
Benefits: Cardholders earn double points for every dollar spent on dining and travel and one point per dollar spent on everything else. Points can be redeemed in many ways, but the greatest value is reserved for travel redemptions made through Chase’s booking platform. Chase Inside Access grants VIP access and presales to exclusive events at venues including Madison Square Garden, Radio City Music Hall and the Beacon Theater.
Drawbacks: When it comes to concerts, Chase is primarily focused on New York City venues, so if you aren’t an NYC local (or reasonably nearby) you may want to look elsewhere. The card’s greatest value is also reserved for frequent travelers.

Rewards: 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
Welcome Offer: Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months. (See rates and fees here.)
Annual Fee: $0
APR: 0% for 15 months on purchases then 13.99%-23.99% Variable
Why We Picked It: Card Members have exclusive access to tickets before the general public during a specific sales window – just use your card to pay for the purchase.
Benefits: Cardholders earn 2% Cash Back at U.S. gas stations and at select U.S. department stores. and 1% cash back on other purchases. American Express customers often get access to presale tickets and special events when buying tickets through the Membership Experiences website. Plus, points can easily be redeemed directly with Ticketmaster for ticket purchases.
Drawbacks: The card’s points system is only valuable to those who spend a lot on groceries.

How to Choose a Card for Live Music

Credit cards for music lovers should reward cardholders as they spend and grant special access to tickets and events.

When evaluating cards for your live music habit, look at the purchase types that earn the most rewards. You’ll want to choose a card that incentivizes the type of purchases you already make.

You’ll also want to look at the types of events and tickets your card can help you access before you take the plunge and apply. The events should reflect your live music preferences. If they don’t, you probably won’t get much use out of them.

One last thing to keep in mind is that most “exclusive” ticket programs are available through all or many of the credit cards offered by the issuer. If the main appeal is access to these programs, look at all available cards from the issuer. Chances are, they’ll have a card that fits your lifestyle.

What Is Required to Get a Card for Concerts?

Cards that provide live music rewards often require good to excellent credit. You should be aware of where your credit stands before you apply. A hard inquiry from a credit card application can cause your credit score to dip a few points. If you aren’t sure where your credit stands, you can check two of your credit scores for free at Credit.com.

Image: PeopleImages 

At publishing time, the Citi ThankYou Preferred Card and Amex EveryDay Card from American Express are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

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.

Source: credit.com

IHG Rewards Club Premier Credit Card Review

Advertiser Disclosure: This post includes references to offers from our partners. We receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

This offer is no longer available.

The IHG® Rewards Club Premier Credit Card from Chase is a hotel rewards credit card with a $89 annual fee. It’s ideal for frequent travelers who regularly stay with InterContinental Hotel Group brands, which includes thousands of Holiday Inn, Staybridge Inn, and Candlewood Suites properties in the U.S. and around the world.

Every purchase with this card earns points that can be redeemed for hotel stays at thousands of IHG properties worldwide, usually at rates ranging from $0.005 to $0.01 per point. Cardholders in good standing also get a host of useful perks at IHG hotels, including 1 reward night per year and automatic upgrade to Platinum Elite status, which accelerates point earnings and entitles members to complimentary room upgrades.

If you’re interested in alternatives to IHG Rewards Club Premier, look to hotel-specific rewards cards such as Marriott Bonvoy Boundless™ Credit Card from Chase. It may also be worth considering airline-specific credit cards such as United MileagePlus Explorer and general-purpose travel cards such as Chase Sapphire Preferred.

Key Features

Sign-up Bonus

Earn 140,000 bonus points when you spend at least $3,000 in eligible purchases during your first 3 months of cardmembership. That’s worth more than 10 free nights at participating IHG properties.

Earning IHG Rewards Club Points

This card earns rewards at these rates:

  • Every $1 spent at IHG properties earns an unlimited 10 points, for up to 25 points total on every $1 spent at IHG properties.
  • Purchases made at restaurants, gas stations, and grocery stores earn an unlimited 2 points per $1.
  • All other purchases, including hotel stays at non-IHG hotels, earn an unlimited 1 point per $1.

Redeeming IHG Rewards Club Points

Points can be redeemed for free hotel stays at IHG properties, starting at a minimum of 10,000 points for lower-tier properties and 70,000 points for the highest-tier properties. If you don’t have enough points to pay for a full night’s stay, you can purchase up to 10,000 additional points at $0.007 apiece ($70 maximum) through IHG’s Points & Cash option. Redemption thresholds are subject to change at any time.

At redemption, point values usually range from $0.005 to $0.01, sometimes more or less. Points don’t expire as long as you redeem any or earn more – through card purchases or hotel stays – within any 12-month period.

Fourth Reward Night Free

When you book a reward stay of four nights or longer (paid entirely with points), you automatically get the fourth night free.

Annual Spend Bonus

When you spend at least $20,000 in purchases and make one additional purchase within the same calendar year, you get an additional 10,000 bonus points.

Point Purchase Subsidy

Enjoy a 20% discount on the purchase of IHG points with your IHG Rewards Club Premier card.

Anniversary Reward Night

Every year, you get 1 reward night good for use at thousands of properties worldwide. Redeeming your reward night doesn’t cost any points, but you don’t earn any additional points for the stay.

Platinum Elite Status Upgrade

As long as you remain a cardmember in good standing, you enjoy IHG Platinum Elite status. You do have to formally apply for this status after you receive your card, but it doesn’t cost anything to do so.

Platinum Elite status confers numerous benefits:

  • Priority check-in
  • Complimentary room upgrades whenever available
  • Guaranteed room availability with at least 72 hours’ advance notification
  • 50% point-earning bonus for all IHG hotel stays – for instance, a stay that would have earned 2,000 points earns 3,000 with Platinum Elite status

Important Fees

The annual fee is $89. There are no foreign transaction fees. Balance transfers cost the greater of $5 or 5% and cash advances cost the greater of $10 or 5%.

Credit Required

This card requires good or excellent credit.

Advantages

  1. Generous Sign-up Bonus. This card has one of the most generous sign-up bonuses in the hotel rewards category – particularly at this relatively modest price point.
  2. Automatic Platinum Elite Status Upgrade. The IHG Rewards Club Premier Card comes with an automatic upgrade to Platinum Elite status, IHG’s second-highest frequent traveler status. Platinum Elite entitles you to 50% faster point earnings when you stay at IHG hotels, complimentary room upgrades whenever available, 72-hour guaranteed availability, and other perks. This benefit doesn’t cost anything extra, and its value is potentially huge for frequent travelers. By contrast, Marriott Bonvoy Boundless cardholders only earn Silver Elite status, a lower frequent traveler level that doesn’t include complimentary room upgrades, guaranteed room availability, or 50% faster point earnings.
  3. Save 20% on Purchases When You Buy Points With Your Card. If you need to buy additional IHG points with your card, you’ll save 20% on face value – not a bad subsidy for your award travel.
  4. 2x Points Categories Are Broad. The IHG Rewards Club Premier Card’s categories that reward 2 points per $1 spent cover broad, everyday expenses: gas, groceries, and restaurants. This is a big advantage for frequent travelers seeking a boost on everyday spending.
  5. No Foreign Transaction Fee. IHG Rewards Club Premier cardholders don’t have to worry about foreign transaction fees. That’s great news for cardholders who regularly travel abroad. By contrast, Citi Hilton Honors Visa Signature has a 3% foreign transaction fee.

Disadvantages

  1. Has an $89 Annual Fee. This card’s $89 annual fee applies as soon as you open your account.
  2. Inflexible Redemption Options. While you can redeem your IHG Rewards Club points at more than 5,000 properties worldwide, there’s not much else you can do with them. You can’t redeem them for merchandise, statement credits, gift cards, or even incidental purchases at participating hotels. Citi Hilton Honors Reserve allows you to redeem for hotel incidentals, while U.S. Bank FlexPerks Travel Rewards allows you to redeem for general merchandise and cash equivalents, such as gift cards and statement credits, in addition to travel purchases.
  3. Limited Travel and Experience Benefits. Although it does come with an automatic upgrade to Platinum Elite status, the IHG Rewards Club Premier Card offers few travel and experience benefits not directly related to IHG hotels or the rewards system. For instance, it doesn’t have a concierge service, travel protection insurance, or exclusive/VIP event access (these things aren’t included in Platinum Elite status). By contrast, Citi Hilton Honors Reserve comes with 24/7 travel booking assistance and exclusive access to a raft of special events, such as concerts and sports contests.
  4. Potentially Low Point Values at Redemption. Although the value of IHG Rewards Club points varies based on the monetary cost of the hotel stay for which they’re redeemed, the range generally works out to $0.005 to $0.01, and IHG charges $0.007 per point when purchased through Points & Cash. U.S. Bank FlexPerks points are reliably worth $0.02 apiece, and points accumulated with Chase Sapphire Preferred are worth up to $0.0125 when redeemed for travel at Chase’s Ultimate Rewards portal.

Final Word

InterContinental Hotel Group isn’t a well-known name, but some of its hotel brands certainly are. If you’ve ever stayed at a Holiday Inn, Holiday Inn Express, or any other related property, you’ve stayed at an IHG hotel. Depending on how often you travel and how frequently you encounter IHG-branded properties along the way, this could be a powerful rewards card to keep in your wallet – even if you use another product, such as an airline rewards or cash back rewards card, as your primary card.

On the other hand, the IHG® Rewards Club Premier Credit Card isn’t great for infrequent travelers, cardholders who prefer not to deal with annual fees, cardholders who prefer more flexible rewards programs with a wider variety of redemption options, and travelers looking for value-added perks such as concierge service and VIP access. Of course, if you prefer another hospitality family – say, Hilton or Marriott – there’s sure to be a suitable card for you as well, as many other hotel rewards credit cards are available.

Source: moneycrashers.com

Share Your Chase Sapphire Preferred Referral Links Here

(Update 6:48 pm: comments are now closed.)

Feel free to share your Chase Sapphire Preferred referral link in the comments below. Do not add any additional words other than the referral link and don’t thread comments.

If you are signing up for the Sapphire card for the increased 80,000 + $50 offer, consider using a reader’s referral to give them a 15,000 points bonus at no cost to you. (Some might prefer to sign up in a Chase branch to get the $95 annual fee waived, if you are in the area to do so.)

We’ll probably close the comments here within a few hour due to volume of comments which are difficult to continue moderating for long.

Source: doctorofcredit.com