For anyone looking for a savings opportunity while traveling, the nation’s largest retailer has just launched a new booking platform for its members that can help with just that.
Walmart+ Travel (powered by Expedia) is now live, allowing members to book flights, rental cars, hotels, vacation rentals, activities and more. But the best part? You can get up to 5% Walmart Cash on these purchases.
This new benefit adds to an already lucrative lineup of benefits for Walmart+ members.
Here’s everything you need to know about this new offering.
Overview of Walmart+ Travel
As noted previously, Walmart+ Travel is powered by Expedia, and it’s available through your Walmart+ account and at WalmartPlusTravel.com. It’s a great way to get extra benefits on virtually all aspects of a trip. When you book directly with Walmart+ Travel, you’ll receive Walmart Cash on your travel purchases at the following rate:
5% Walmart Cash on hotel bookings, vacation rentals, rental cars and activities.
2% Walmart Cash on air travel.
If you book a vacation package that includes two (or more) of these items, you’ll earn Walmart Cash at a blended rate (e.g., 2% on the air travel part of the purchase and 5% on the other parts).
Your Walmart Cash will appear as “pending” in your Walmart+ account before becoming available within 30 days of the completion of your trip. You have the option of using it for future Walmart purchases or receiving it as cash back in your pocket.
Walmart+ Travel is available now for existing Walmart+ members as well as new ones. You’ll even have access to it if you sign up for a free 30-day trial of the program — allowing you to test it (and the many other benefits of Walmart+) before committing to a full membership.
How to use Walmart+ Travel
To access Walmart+ Travel, simply visit walmartplus.com and sign in to your account. You’ll find the Walmart+ Travel tile in your member hub. Simply click “Book a Trip,” which will take you to the Walmart+ Travel site, which is powered by Expedia.
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From there, search for your desired travel arrangements — including flights, rental cars, hotels, vacation rentals and packages. You’ll clearly see the amount of Walmart Cash you’d get for each type of booking.
Select the reservation(s) you want, then follow the on-screen instructions to finalize the booking.
Once you receive the confirmation, you’ll see your Walmart Cash listed as “pending” in your Walmart+ account within 48 hours.
Thirty days after the completion of your booking, your Walmart Cash will change to “redeemable” and can be applied to future Walmart purchases — or received directly as cash back.
Remember that airline tickets purchased through a third-party platform like Walmart+ Travel are typically treated like normal revenue tickets and thus are eligible to earn points or miles. You should also enjoy any elite status perks you have with the given airline — though this often isn’t the case with major hotel and rental car programs.
Using Walmart+ Travel with other member benefits
Of course, Walmart+ Travel is just the newest benefit for members, and it adds even more value for those taking to the skies (or hitting the roads) this summer.
For example, Walmart+ members enjoy free shipping with no order minimum (excluding most Marketplace items and certain location and freight charges). This allows you to stock up on travel essentials ahead of a trip you book with Walmart+ Travel — and you can even use any available Walmart Cash for these purchases.
For example, for those without a Walmart+ membership, these packing cubes would require a trip to your local Walmart for in-store pickup or cost $6.99 to ship.
However, Walmart+ members could have these shipped directly to their home address — and most items will arrive within one to two days.
If a road trip is in your future, you can also leverage Walmart+ fuel savings at more than 14,000 stations nationwide. This can give you 10 cents off every gallon of gas at participating locations (5 cents in Alabama and Oklahoma; subject to change).
Finally, when you arrive at your destination and settle into your hotel or vacation rental, you can launch your included Paramount+ streaming subscription (Essential plan only; separate registration required).
How to join Walmart+
If you’re not currently a Walmart+ member, you can become a member by visiting the Walmart+ website and clicking the link at the top to start your free 30-day trial.
Remember that holders of The Platinum Card® from American Express can receive a statement credit each month when they charge the monthly cost of a Walmart+ membership ($12.95 plus applicable taxes) to their card (enrollment required; Plus Ups not eligible).
As soon as your account is activated, you’ll be able to start receiving Walmart Cash for bookings through Walmart+ Travel — and access the various other benefits of membership.
Related: How to get Walmart+ with the Amex Platinum
Bottom line
Walmart+ Travel (powered by Expedia) is the newest benefit for Walmart+ members, offering up to 5% Walmart Cash on eligible bookings made through the platform. This enhancement allows Walmart+ members to save money on virtually every aspect of their travels, with Walmart Cash that can cover future Walmart purchases or be redeemed directly for cash back.
If you’re not a member, join today — and then begin receiving Walmart Cash on your next trip.
On January 1st, I could have never imagined what 2020 would bring. I started the year, as always, hopeful that this year would be the year I achieved all my goals. Then a pandemic changed everything.
But the pandemic is a stark reminder of just how quickly life can change. It’s important to have at least a little money set aside, as well as learning to budget and reduce expenses. Even if you plan to do that moving forward, though, you may need to first get through the financial issues this pandemic has brought with it.
Don’t worry. You don’t have to start this journey alone. Here are a few tips to help you beat the effects of COVID-19 on your bank account.
What’s Ahead:
Negotiate your bills
You may not realize it, but your bills aren’t set in stone. You can negotiate your balance, monthly payments, and other aspects of your debts. Think about it. Your creditors would much rather you pay something each month than nothing at all.
Pandemics, fortunately, are rare. That means your creditors are well aware that many people are going through financially tough times right now. Yours won’t be the only call they’re getting from consumers eager to negotiate.
Here are a few tips to help your call go smoothly:
Before you start calling around, gather your most recent bill and have everything in front of you.
If you have a history of paying on time, point this out.
When negotiating with a creditor that has competitors, stating that you’ve found a better deal and you’re thinking about canceling can sometimes be effective.
If the person on the line can’t help you, ask to speak to a manager or supervisor who can.
Pay close attention to the offer the representative gives. Many are trained to make it seem like you’re getting a good deal when they’re actually increasing your bill long term.
You don’t have to go it alone when it comes to negotiating your bills. There are now apps that will handle the process for you. One of those solutions is Trim, which automates bill negotiation. Simply link to your various accounts and Trim will look for savings, starting by suggesting subscriptions you can cancel to save money.
But the bill negotiation feature is where Trim really comes in handy. Trim will interact with the customer support team at your various service providers and negotiate on your behalf. They work with many of the top cable companies, as well as phone and medical providers.
Refinance your loans
What’s your biggest expense? Chances are, it’s your housing. Whether you rent or own your place, that monthly payment can really hit hard when money’s tight.
For that reason, one of the best things you can do is cut that payment down a little. If you rent, have a talk with your landlord about a rent reduction or a brief break while you get back on your feet. But if you have a mortgage, that won’t be so easy. You can contact your lender and negotiate a temporary break in payments, but that just delays your debt a couple of months.
This could be a great time to refinance your loans to reduce your payments. That applies not only to your mortgage, but also personal and student loans. Approval will still depend on your credit score and income situation, but it’s worth shopping around to see if refinancing is an option.
Ready to refinance? Here are some options to consider.
Mortgage refinance
Refinancing a mortgage has traditionally been a time-intensive exercise that requires stacks of paperwork. Not anymore. With online lending, you can typically complete most of the process online.
If you need a little extra cash, a cash-out refinance may be an option. If you have substantial equity in your home, and interest rates have fallen, you may be able to reduce your monthly payment while also taking out some money that you can put toward other expenses.
You can see how much you qualify for with MU30’s Mortgage Cash-Our Refinance calculator below:
Student loan refinance
Student loans can be a big burden on your finances. In fact, the average monthly student loan payment is $393, and it can be tough to negotiate that down, especially if you have government loans.
You may not realize you can refinance your loans with a private lender, even if it’s a federal or ParentPLUS loan. Many private lenders are also more flexible in repayments, including letting you defer your payment for a month or two during tough times.
Credible shops multiple lenders to find the best deal on your student loan refinance. With one quick application, you’ll get rate quotes from up to ten lenders. Best of all, your quote will be turned around in just a couple of minutes. If you see one you like, you’ll complete the application process directly with the lender.
Credible Credit Disclosure – Requesting prequalified rates on Credible is free and doesn’t affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.
Credit card debt refinance
Credit card debt can make it tough to get ahead financially. There are a couple of ways you can refinance what you owe on your cards. One is to take out a low-interest personal loan to pay it off. You’ll still owe the money, but you can reduce the interest you’ll have to pay on it.
Another option is to apply for a new credit card and transfer the balance from your existing cards. Some cards have an introductory period where you’ll pay no interest at all. Check the fine print about balance transfers before you choose a card.
Fiona can help you track down a low-interest credit card or personal loan. Answer a few simple questions and you’ll be matched with credit card offers that meet your needs. The process takes less than 60 seconds and if you don’t see an offer you like, simply exit out and shop elsewhere.
Personal loan refinance
If you’ve taken out a personal loan, you may not realize you can refinance it. Yes, even if your loan was to pay off previous debt, you can always go back in for a better deal. You may find out that you can lower your payment and improve your terms by doing that.
LendingTree takes a different approach to connecting you with a loan. You’ll answer some questions about your goals and get recommendations for lenders who can meet your needs. LendingTree provides competing offers from a variety of lenders and even lets you contact lenders directly to negotiate a lower rate.
If you’re struggling to find loan refinancing due to your credit, Self Credit Builder Loans can help. Not only will they work with you to get you the money you need, but your repayments are reported to the three credit bureaus. Simply pay on time each month and you’ll be on the road to a better credit score.
Renegotiate your insurance premiums
Insurance is a necessary part of keeping yourself and your belongings protected. But COVID has shifted priorities, especially when it comes to vehicle insurance. If, like many consumers, you’re driving far less than you did pre-pandemic, it could be time to adjust your coverage.
With insurance, it’s not about picking up the phone and making a call to negotiate. Instead, the best thing to do is shop around and see what other insurers can do for you. Sure, you can try adjusting your coverage to see if that helps your premium, but often another insurer will give you a better deal.
Use a budgeting app to cut expenses
Budgeting is always a great way to stay on top of your finances. When you’re pre-planning how each dollar will be spent, you’re in control. If you normally budget, your approach may need to be adjusted for COVID-19. If not, this is a great time to start.
When you budget, you’re making a plan, but the best plans are built using the most information possible. Before you start budgeting, go to your online banking site and pull a report listing your expenses. You may even want to pull multiple months to get the most accurate picture possible.
As you review the report, prioritize your expenses. What’s most important? Chances are, you’ll need to put the basics first: food and shelter. Are there areas you can trim back? You may want to find ways to reduce your grocery budget, for instance, even if you’re no longer spending money on expensive coffee and restaurant food.
Once you have a budget in place, your work still isn’t finished. You’ll need to track your spending to get the information you need to make next month’s budget. PocketSmith monitors your spending and provides insight into where your current habits will lead you in the future. You can project six months, a year, or longer and adjust today’s spending accordingly.
Take a look at your credit cards
Normally, you’d want to work on paying off your credit cards, but now may not be the time. If you do have to rely on your credit cards to get you through, try to use them as little as possible.
One small thing you can do to reduce expenses is to lower your interest rate. You can try negotiating with the card issuer, but it will help if you can cite other offers first. Shop around and find offers lower than what you’re paying. When you call, you’ll be able to cite those rates and boost your negotiating power.
If your economic situation is short-lived, you can alternatively try to get a card with a no- or low-interest introductory period to get you through. During those months, you’ll at least get a break from the interest you’d otherwise pay, which can help you catch up on your bills.
Take advantage of resources
One of the few good things about having a tough time now is that there’s extra help. Realizing that many consumers are suffering, the government has put some programs in place to help.
The top of those resources is the Economic Impact payment of a couple of months ago. You should also make sure you’ve filed your taxes in case the government decides to issue further stimulus payments.
Here are a few other resources available to those who have been financially affected by COVID-19:
If you’re unemployed, make sure you sign up for expanded unemployment benefits.
You can withdraw money from your 401(k) without penalty during COVID-19.
In case you missed it, the government is allowing a temporary suspension of student loan payments through September 30, 2020.
Some banks are waiving fees during the pandemic. Check to see if your lender is on the list.
FEMA has offered relief due to COVID-19, including extending flood insurance renewal payments and offering funding to state, local, tribal and territorial partners.
Consider a financial advisor
The truth is, sometimes you can’t see what you need to do. You’re just too close to the issue. When that happens, it can help to have an outsider take a look at things. If that outsider is an expert, even better.
But when you’re trying to recover from a financial setback, you don’t exactly have an excess of funds to pay a professional. Any financial advisor you’re considering should offer a free, no-obligation consultation. During this consultation, you can ask about fees. Compare multiple advisors against each other to find the best expert you can get for your budget.
One great way to quickly find a financial advisor is through Paladin Registry. You can search a directory of experts in your area and set up an interview to discuss details like fees and credentials. Click on “View research report” on any advisor’s listing to take a look at details like education and licensure information. You can also see the minimum assets you’ll need to have for the advisor to work with you, as well as the compensation structure. Many advisors work on a fee that’s a percentage of your assets.
Summary
Global pandemics may be rare, but life is full of surprises. Soon enough, you’ll find your financial situation begins to improve, and that’s when it’s time to take action. Make sure you have an emergency fund in place and work hard to pay down your debt. That will give you the peace of mind of knowing that you can tackle whatever challenges life brings in the coming years.
Read more:
Self Disclosure: Self Financial compensates us when you sign up for Self Financial using the links provided. All Credit Builder Accounts made by Lead Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, N.A. Member FDIC, Equal Housing Lender or Atlantic Capital Bank, N.A. Member FDIC, Equal Housing Lender. Subject to ID Verification. Individual borrowers must be a U.S. Citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to ID verification and consumer report review and approval. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. All loans subject to approval. All Certificates of Deposit (CD) are deposited in Lead Banks, Member FDIC, Sunrise Banks, N.A., Member FDIC or Atlantic Capital Bank, N.A., Member FDIC.
Second mortgages can be a great way to use the equity in your home to free up cash for important needs. Just like any other loan, there are some essential components you should know about second mortgages before you begin the application process.
What Is a Second Mortgage?
Generally, a second mortgage allows you to borrow against the equity in your home, and your home is used as collateral for the loan. This loan is called a “second mortgage” because it comes in second lien position behind the existing loan on your property. Second mortgages can be easier to qualify for than other types of loans and are often used to secure additional funds.
“Second mortgages can give you access to the equity in your home without having to touch your first mortgage,” says Scott Bridges, Senior Managing Director of Consumer Direct Lending at Pennymac. “Depending on your financial needs, second mortgages can be provided in lump sums or similar to a credit line where you can spend and repay over time.”
What Can I Use a Second Mortgage for?
There are numerous ways to use your second mortgage. “We see many of our customers pursue a second mortgage to consolidate high interest rate credit card debt or do home improvements,” Bridges says. Some of the most popular ways to use a second mortgage include:
Paying for home improvements. A second mortgage provides an opportunity to reinvest in your home. Making significant home improvements is generally considered the soundest reason to acquire such a loan because the home’s value should increase and reflect your financial investment.
Funding an education. The equity in your home can provide a substantial loan to fund educational opportunities for yourself or your children.
Covering healthcare costs. Unexpected healthcare costs can cause significant financial strain. A second mortgage may offer a lower-interest loan option than other loans available.
Debt consolidation. A second mortgage may be a good option for paying off debt from multiple high-interest credit cards. You’ll streamline your payment by eliminating credit card payments, and as long as your second mortgage interest rate is lower than the credit cards—which it usually is—you’ll save money.
How Does a Second Mortgage Work?
A second mortgage requires an additional mortgage to be taken out on a property that is already mortgaged.
Types of Second Mortgages
A home equity loan and a home equity line of credit are the two types of loans that fall under the broad, informal category of “second mortgage.” Both of these use your home as collateral, but there are some nuances between them. Let’s take a look at each.
Home Equity Loan. A home equity loan is a traditional loan, meaning that a fixed amount is lent to you for a fixed term, with payments amortized or spread over the life of the loan. You receive all your money in a lump sum when the loan closes. Home equity loans usually come with fixed interest rates.
Home Equity Line of Credit. A Home Equity Line of Credit (HELOC) allows you to draw money as you need it, up to the maximum amount of your credit line, for a certain amount of time called the draw period. During the draw period, payments are typically interest only. Once the draw period ends, your payments are principal and interest, which are then amortized over the remainder of the loan term. Home equity lines of credit usually come with a variable interest rate.
How Do I Get the Money?
You can receive your funds in two different ways, depending on whether you have a home equity loan or a HELOC.
Lump Sum. A home equity loan is a standard second mortgage, a one-time loan that provides a lump sum of money you can use for whatever you wish. With this type of loan, you repay the loan over time, typically with fixed monthly payments. Incorporated into each payment is a portion of the interest, as well as a portion of your loan balance.
Credit Line. With a HELOC, you can get a lump sum of money at once and have a pool of funds you can draw from over time. You may be required to take out an initial draw (a lump sum paid out when the line is opened), but you also have the option to access additional funds if you want to at a later time. Your lender sets a maximum borrowing limit, and you can continue borrowing multiple times until you reach your credit limit. Just like with a credit card, as long as you haven’t maxed out your line, you can borrow over and over on a HELOC.
Is a Second Mortgage Different Than Refinancing?
Yes, a second mortgage is different from refinancing. A second mortgage is an additional loan on your home in which you borrow against your home’s equity. With a second mortgage, you’ll have two home loan payments—your original mortgage and the second mortgage.
Refinancing replaces your current primary mortgage with a completely new one. Homeowners often refinance their homes to take advantage of a lower interest rate, change a loan term or switch from an adjustable to a fixed-rate mortgage. Some people choose to do a cash-out refinance, which is refinancing a home loan for an amount higher than the existing loan balance. You can use the extra funds for renovations, debt consolidation, education or other expenses.
How Do I Get a Second Mortgage?
To get a second mortgage, you’ll need to apply for the loan and meet the lender requirements, which may be more stringent than your original loan. Lenders will want to be confident that you’ll be able to manage another monthly loan payment.
Approval criteria will vary by lender, but at a minimum, you’ll need enough available home equity, a high credit score and a low debt-to-income ratio (DTI).
Second Mortgage Rates: Getting the Most Competitive Rates
Second mortgage rates and terms differ by lenders. Compare your options to find the one that best fits your budget and goals.
Keep in mind that as with your original mortgage, certain factors like credit history and debt will come into play when determining your rates. You’ll also need some equity. Bridges says, “The way to get the best rate on a second mortgage is simply to have a strong credit score, a low debt-to-income ratio and equity in the home after the second mortgage is acquired.”
Is a Second Mortgage Right for You?
While there are many benefits to having a second mortgage, it is still incurring debt. You’ll have to weigh the pros and cons to decide if it’s your best decision. In many cases, it could be.
“From a financial planning standpoint, a second mortgage is a good idea when the homeowner has a significantly lower rate on their first mortgage than the current market,” Scott Bridges says. “Imagine you have a 3% first mortgage and need $100,000 to consolidate debt or do home improvements. Right now it’s typically smarter for homeowners to utilize the second mortgage to tap into their equity instead of refinancing their entire loan balance to today’s 6 to 7% rate range.”
Exploring Your Options for a Second Mortgage
The bottom line is that while second mortgages are common and convenient, it’s important to determine if they’re a good fit for you. If you’re ready to apply, get started by contacting a Pennymac Loan Expert to learn more about the second mortgage options available to you.
Inside: Looking to put money on your Cash App card? This guide will show you how to do everything from adding funds to verifying your identity. Whether you’re using a debit card, bank account, or mobile payment service, this guide has you covered.
The Cash App Card, often called the Cash Card, is a top-rated, mobile electronic money transfer service.
This reloadable tool functions like a Visa debit card, allowing it to easily serve as a primary banking solution for users. Not limited to traditional banking hours and locations, the Cash App Card provides high flexibility for financial management.
The good news is this free and customizable debit card is linked to your Cash App balance, providing you the convenience and flexibility to handle your finances effectively and efficiently.
So, the question remains… how do you put money on the Cash App Card?
In this guide, we will teach you where can I load my Cash App Card.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
What is a Cash App Card?
A Cash App Card, often mentioned as the Cash Card, is a free, reloadable debit card designed to let you tap into your Cash App balance.
Picture it as your ticket to your digital wallet, allowing you to:
Shop anywhere Visa is accepted, both online and in physical stores.
Make use of the Cash Boost feature for instant discounts at participating retailers and eateries.
Personalize it with your unique design from the app.
Reload it at places like 7-Eleven, CVS, Walmart, and more.
Send or receive funds among friends and family.
Manage your spending and stay on budget.
The catch? Your spending power ties strictly to your Cash App balance, so be sure to top it up!
How to Get a Cash App Card
Cash App is one of the hottest new payment apps on the market.
And, like most things these days, there’s a Cash App card you can use to make purchases or withdraw money from your account.
This is great to use for the cashless envelope system.
So, how do you get started with a Cash App Card?
Step #1: Download the Cash App
To get started with Cash App, you first need to download the app.
The easiest way is to scan this QR code to get started.
After locating it, simply tap “Install” or “Get.” Once the app has finished downloading, hit “Open” to launch it.
Pro tip: Be sure you’re downloading the genuine Cash App, look for the icon that’s green with a white dollar sign (pictured above). That’s it, you’re one step closer to your Cash App Card! Now, let’s get you set up.
Step #2: Create an Account
It is ideal for digital banking, allowing you to make cash deposits, and pay in-store or online with the convenience of a Cash App Cash Card, simulating many of the features of a typical checking account.
To create a Cash App account, follow these steps:
Once installed, open the application and follow the on-screen instructions to set up your account.
You will have to enter your phone number or email address.
For security certification, the Cash App will send you a secret code to verify you. Enter it.
Select a $cashtag, which is a unique username to send and receive money (similar to Venmo)
Step #3: Link a bank account or card
Remember, in “My Cash” you’ll spot the “Add Money” option for funding.
This is the easiest way to load your Cash App Card, so you should set it up properly.
Open Cash App; it’s the icon with a white dollar sign on a green background.
Tap the top-right profile icon.
Navigate to “My Cash” – it’s a tab on the home screen.
Click “Link a Bank,” nestled within the options.
Follow the prompts to add your bank account or debit card info.
Once your card is linked, you’re all set.
Insider’s guide: Double-check your digits to prevent delays!
Step #4: Order a Cash App Card
To order a Cash App card after successfully establishing your account, follow these steps:
First, open the Cash App on your mobile device.
On the bottom of the screen, locate the card icon that is second from the left and tap on it.
Click on the green ‘Get a Free Cash Card‘ button.
You may choose your desired card style (color). Please keep in mind that certain color options may entail a small fee.
If you’d like, click on ‘Personalize Card’ to add a unique touch such as a drawing or stamp.
When you’re ready, simply click ‘Order Card.’
Through this process, Cash App provides a credit card number straight away for immediate online use. Meanwhile, your physical card should arrive in your mail within 5 to 10 business days.
How to Put Money on Cash App Card
Adding money to your Cash App card is an easy and straightforward process that can be done within a few minutes directly from the Cash App.
This process essentially involves transferring funds from your linked bank account or card to your Cash App card balance.
Below, you will learn other ways you can also deposit money, easing the process of managing your digital finances.
Step 1: Open the Cash App on your phone
To add money to your Cash App card, begin by launching the Cash App on your phone.
This app flaunts a simple green icon that should be pretty easy to spot amongst your other apps.
Bonus Tip: remember to link your bank account or debit card for smoother transactions.
Step 2: Tap on the “My Cash” tab
Now that the Cash App is opened on your device.
Tap on the ‘My Cash’ tab at the bottom-left corner of the screen.
Expert Tip: Use biometric features (facial recognition or fingerprint) for faster and more secure access.
Step 3: Select “Add Money”
After you’ve successfully navigated to the “My Cash” tab within the Cash App, the next step is selecting the “Add Money” option.
Type in the exact amount you’d like to transfer to your Cash App Card.
Be sure to double-check this figure – you don’t want to add more or less than you intended.
Learn about how to unlock borrow on Cash App.
A handy tip: If you enter an amount that surpasses your current bank balance, the App will kindly let you know.
Step 4: Confirm with your PIN or Touch ID
After entering the desired amount to load onto your Cash App card, you’re going to see a little “Add” button – go ahead and tap that.
The app now needs to confirm it’s really you, so you’ll be asked to put in your PIN or use Touch ID.
Remember, this is just to make sure your money stays secure, so it’s an important step.
Pro-tip: Make sure your PIN is both easy for you to remember and tough for others to guess.
Step 5: Wait for the money to be added
Alright, you’re almost done!
After you’ve confirmed your transaction, just sit tight while the money gets added to your Cash App Card. This usually occurs within a few moments—it’s pretty speedy. But just in case, give it a good few seconds before you check your balance.
Remember, patience is a virtue, even in the digital world! You’ve now successfully added funds to your cash card. Easy, right?
The simplicity and speed of the process is genuinely impressive, isn’t it?
Step 6: Tap “Sign Out” button at the bottom of the screen
You are going to want to do is tap that “Sign Out” button you’ll find chilling at the bottom of the screen.
Go ahead and tap it.
Do you know why this step is crucial? Because it’s like leaving your house and locking the front door. It keeps your account secure from any sneaky hands looking to fiddle with your money.
So always, always remember to sign out, alright? It’s a small step but it does a big job in keeping your account safe.
Where Can I Load My Cash App Card?
If you’re wondering how to put money on a Cash App card, you’ve come to the right place.
In this section, we’ll show you where and how to load your Cash App card so you can start using it right away.
1. Bank Account
The easiest place to load money is your bank account. Plus you can keep yourself within a spending limit for your budget.
Let’s get that Cash App Card loaded up with money from your bank.
First, make sure your bank account is linked with your Cash App. If not, just click on the ‘Banking’ tab and follow the prompts. Easy peasy!
Now, tap the ‘Money’ tab on your Cash App.
Hit ‘Add Cash’.
Choose the amount you want to transfer.
Tap ‘Add’ again, then confirm using your PIN or fingerprint.
Don’t go overboard, friend; remember, there’s a limit of $1000 per week!
2. Debit Card
Now, let’s load it up using your debit card.
Head to your profile on the Cash App.
Found the “Linked Banks” button? Great! Click it to add your debit card.
You’ll need the card number, expiry date, and security code.
Cash App might run a quick test to confirm the connection.
Now you’ve got to spend money on your Cash App Card.
3. Retail Stores
Did you know you can load your Cash App Card at various retail locations?
Forget running to a bank, just pop into one of these convenient spots. Here’s a quick list to guide you:
Walmart
Rite Aid
Family Dollar
Duane Reade
Walgreens
GoMart
Sheetz
Kum & Go
GoMart
KwikTrip
Speedway
H-E-B
Thorntons
TravelCenters of America
Dollar General
Pilot Travel Center
7-Eleven
Remember, availability may vary by location. So, ensure to check your nearest store whether they support Cash App deposits.
4. Visa Gift Cards
Similar to how to use a Visa Gift Card on Amazon, you can conveniently load your Cash App Card.
As such Visa Gift Cards are popular gifts with their widespread acceptance makes them a favorite choice.
To load your Cash App Card using a Visa card, follow these simple steps:
Open your Cash App: Tap on the “Banking” tab visible on the screen’s bottom left.
Choose “Add Cash”: Input the amount you want to load onto your Cash App Card.
Tap “Add”: Make sure you select the Visa gift card you want to transfer money from.
Authenticate your Identity: Depending on your setting, you may have to use Touch ID, Face ID, or a PIN.
Voila! That’s it, remember to keep an eye on your card balance to ensure the correct amount was loaded.
5. PayPal
While PayPal is a popular option to transfer money, you cannot transfer money directly to your Cash App Card.
You will need to transfer the money from PayPal to a linked bank account first and then move the money to Cash App.
Learn which payment type is best if you are trying to stick to a budget.
What are Paper Money Deposits?
Just like the slang for how much is a rack, paper money deposits are what Cash App calls the transfer of your money.
Remember, you can deposit up to $1,000 every 7 days and $4,000 every 30 days. Deposits must be a minimum of $5 per transaction and not exceeding $500.
There is no fee to use the card. As Cash App makes their money by the transaction may be subject to a small fee charged by certain retailers.
What are Boosts?
Heard of ‘Boosts’ in the Cash App world? Let’s break it down.
Boosts can help you get more bang for your buck, offering discounts on eateries or stores you frequent. It’s like enjoying 15% off your latte at your go-to coffee shop, neat, right?
Here’s how to utilize ‘Boosts’:
Open your Cash App and find the Boosts.
Scrutinize your options and activate one Boost.
Swiftly switch on and off your Boosts to fit your needs.
So, add a little boost to your Cash App Card and enjoy some savings!
Tips for Using Cash App Card Safely
To make the most of your Cash App card, it’s crucial to have a grasp on the safety and security measures.
The Cash App card offers users the flexibility of managing money without the restrictions of traditional banking. Plus it serves as a tool for receiving and sending money, and also helps in money management and budgeting.
1. Check Your Card Balance and Transactions
Knowing your balance and checking transactions is crucial when using your Cash App Card.
Being aware of your balance ensures you can make transactions without exceeding your available funds, helping avoid any embarrassing situations or penalties.
Monitoring transactions regularly allows you to spot any fraudulent activities promptly and acts as a deterrent for any additional, unwarranted fees that could be associated with specific transactions.
Additionally, when you add funds to your card at a physical store, you should always confirm that the funds have been accurately transferred to your Cash App account before leaving, to sidestep any discrepancies or issues.
To check your balance, log into your Cash App account and click on the dollar symbol on the home screen. This will promptly display your current balance.
Now, for transactions, tap the “Cash” tab to view your recent transactions.
2. Avoid Scams
Navigating Cash App Card could be a breeze, but it’s crucial to be aware of potential scams that might catch you off guard.
**Be Aware of Who You’re Trading With** Transactions on Cash App are instant and can’t usually be reversed. Be cautious in your dealings.
**Secure Your Account:** Maintain strict privacy over your Cash App PIN and use your phone’s security lock feature to avoid unauthorized access.
Remember, your alertness is your best bet to keep scams at bay! Keep yourself informed and stay safe.
3. Use the Security Features
The Cash App strives to prioritize security and protect its users’ money, making it a pocket-friendly financial tool.
The Card is issued by Sutton Bank and has FDIC insurance, ensuring your hard-earned money is safeguarded.
But, besides this innate security feature, there are multiple ways to assure maximum security while using your Cash App Card:
Securing Your Cash App Account: Before using the Cash App Card, it is pivotal to add strong security measures to your Cash App account. This can include setting up a unique and complex password, enabling two-factor authentication, or using touch ID/facial recognition if your device supports it.
Transaction and Deposit Limits: Cash App sets transaction and deposit limits to protect your account. Familiarize yourself with these limits and stick to them. Going beyond these restrictions might expose your account to risks.
Linking your Cash App Card with Trusted Accounts: While you can link your Cash App Card to multiple banks or external bank accounts, it’s crucial to ensure these accounts are trustworthy and secure. Avoid linking to accounts on public computers or networks to prevent unauthorized access or data theft.
Watching out for phishing scams and suspicious activities: Always be vigilant when receiving unsolicited communications asking for your Cash App Card Information. Remember, Cash App will never ask for your PIN or sign-in code outside of the app.
Real-time Alerts: You can also activate instant transaction alerts. This way, if your card is utilized, you will get immediate notification on your mobile device, helping you stay on top of your spending and identify any potential fraudulent activity.
Safe deposit and withdrawal: Making sure to use secure networks when depositing to or withdrawing from your Cash App Card can offer an additional layer of protection.
Navigating through these security features is not overly complex, but it reinforces your financial safety.
4. Know Your Limits
Knowing your Cash App Card limits plays a vital part in managing your finances effectively.
You want to be wary of overspending and blowing your budget.
So, if you transferred $500 for the week, stick to the $499 spending limit.
5. Use the App’s Help Function
Knowing how to use the Cash App’s help function is crucial, as it assists you in troubleshooting any issues quickly. It also shows you how to maximize the platform’s robust offerings.
To access the help function, simply tap on the “Profile” icon in the bottom-right corner of the Cash App screen, then scroll down and select the “Support” option.
If you need to get in touch with customer service, tap “Contact Support” and explain your situation in the message field.
6. Use Cash App Card for the Things It’s Meant For
The Cash App Card puts a world of financial opportunity in your hands. Convenient as a debit card, you can use it for online shopping, paying bills, or sending cash to mates. It’s your money manager without the hassles of bank operating hours.
Primarily, here’s what you should do:
Add funds to the card: You can reload your card at numerous locations, with options such as CVS, Walmart, or Dollar Tree.
Manage wisely: Budget and spend your earnings across your essentials and save some for a rainy day! This will help you to spend money wisely.
Use cash boosts: Add thrills to your regular shopping by using the exclusive ‘Cash Boosts’ for instant discounts.
The goal of the Cash App Card is to not go into debt but to live within your means.
Now, Add Cash to Cash App
In conclusion, obtaining and using a Cash App Card can greatly enhance your financial savviness by providing a convenient way to use your Cash App balance both in-store and online.
The process for getting this card is straightforward and cost-free, and gives you instant access to your card number for immediate online purchases, while the physical card arrives within 5-10 business days.
Whether it’s sharing money with friends and family, managing your personal budget, or teaching young adults about financial responsibility, this card offers a sophisticated and straightforward approach. Although it doesn’t replace traditional checking accounts, it’s an excellent alternative for unbanked consumers, those looking to rebuild credit, or teenagers with money to spend.
Just remember to keep track of the transaction and deposit limits set by Cash App to avoid any surprises.
Take hold of your finances today with your Cash App Card and experience the convenience it offers.
Start leveraging the benefits of your Cash App Card now!
Know someone else that needs this, too? Then, please share!!
Medicare is the United States’ federally administered health care program.
The program was established in 1965 for the purpose of paying certain health care expenses for people age 65 and over, as well as for other select individuals, such as those who have end stage renal disease.
When originally established, there were only two parts. These were Part A for hospitalization coverage, and Part B for doctors’ services. Over time, the Medicare program has been expanded to offer additional coverage and choices for its enrollees.
We understand that any type of insurance coverage, from the best car insurance companies, best life insurance coverage, or best burial insurance for seniors, can be quite confusing. Remember, we are here to help!
How Coverage Works
The Medicare program today is divided into four parts, and each of these covers a different area. These parts include:
Part A – Hospital Coverage. Part A coverage will help an enrollee pay for inpatient care in a hospital or in a skilled nursing home facility. It also covers some types of home health care, as well as some hospice care. In most cases, there is no cost for participating in Part A.
Part B – Medical Coverage / Doctors’ Care. Part B helps to pay for doctors’ services, as well as for a variety of other medical services and supplies not covered in Part A. Those who are enrolled in Part B will be required to pay a monthly premium. In 2015, most people pay a premium of $104.90 per month. This can vary, however, based upon the individual’s income and on whether they file their tax return jointly with a spouse or as a single individual. This article goes in depth about the income limits and fees that high earners -“Medicare IRMAA brackets“- may have to pay regarding Part B and Part D coverage.
Part C – Medicare Advantage / Managed Care. Part C is also referred to as Medicare Advantage. It provides a managed care approach to delivering Medicare-covered services, such as Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). Those who are eligible for Parts A and B may alternatively choose to receive all of their services through a Medicare Advantage provider organization under Part C. The premium one pays for Part C will depend upon the plan that is chosen, as well as on the enrollee’s geographic location. You can learn more about this coverage HERE.
Part D – Prescription Drug Coverage. Part D helps to pay for prescription drugs doctors prescribe for the treatment of a patient. The premium charged for a Part D policy will depend upon the prescriptions you are taking, and thus, the actual plan that is chosen.
Recipients of Medicare, also referred to as beneficiaries, are able to choose coverage via the Original plan – which is actually Parts A and B – or they may choose Part C – which is Medicare Advantage.
Who Qualifies?
In order to be eligible, an individual must have lived in the United States for at least 5 continuous years, and also be a permanent resident of the U.S.
In addition, qualified recipients of benefits must be at least 65 years of age or over, or have a specific type of qualifying disability.
For a person to be considered permanently disabled, they must be entitled to receive benefits from Social Security, and they must have been receiving those benefits for a minimum of two years.
An individual who is diagnosed with end stage renal disease and who also requires kidney dialysis or a kidney transplant may also be considered eligible for benefits from the program.
With the high costs of health care it makes sense for those eligible for Medicare to take advantage of this government administered health care program.
Adults Over 65
Most adults in the United States are eligible for Medicare when they turn 65. Individuals must be U.S. citizens or permanent residents and enroll in the Medicare program to qualify.
Individuals who are already receiving Social Security benefits will be automatically enrolled in the Medicare program. Approximately three months before their 65th birthday, an enrollment package will be sent and must be completed to activate coverage.
Medicare Part A, which covers hospitalizations, requires no payment. However, adding Part B – which is for doctors visits, outpatient procedures, or additional coverages, such as prescription drug coverage, does cost money. The premium is determined based on income level. So, individuals must decide what plan is best for them when enrolling and what they can afford to have.
Individuals with Disabilities
Medicare coverage is also available to individuals with disabilities regardless of their age. Once an individual has been collecting social security disability payments for twenty-four months, they become eligible for Medicare during the 25th month.
An enrollment package will be sent a few months before a person becomes eligible for Medicare coverage. If a person with Social Security disability does not receive the enrollment package, they should contact their local social security office to request a packet.
Like an individual who is over age 65, disabled persons who have been getting Social Security disability payments are automatically eligible for Medicare. There is no reason to decline coverage, as Medicare Part A costs nothing and covers hospital care and nursing facility care.
However, if a disabled individual would like, they can decline Medicare Part B coverage, which would require premium payments. There is a card that comes with the enrollment package that the individual can mail back declining Part B coverage.
Who Does NOT Qualify for Medicare
People who are not already receiving Social Security benefits will need to contact their local Social Security office to apply for Medicare coverage. This should be done three months before the individual’s 65th birthday.
The enrollment period begins in the three months before the month of the 65th birthday and ends three months after. If one enrolls during this time frame, there is no cost for enrollment and coverage should begin at the start of the 65th birthday month or shortly thereafter (if one applies after their birth date).
If, however, one does not apply during that enrollment period, then fees apply. So, it is important to apply on time, and as close to the three month prior date as possible. This will ensure everything is done correctly and coverage starts at the beginning of the individual’s birth month.
How to Enroll
To begin receiving benefits, an eligible individual must enroll through the office of Social Security. There is only one exception to this rule, in that those who are already receiving benefits through Social Security or the Railroad Retirement Board are automatically enrolled when they turn age 65.
All other potential recipients must submit an application for coverage during the open enrollment period. This period of time begins three months prior to the applicant’s 65th birthday and it ends seven months after.
Those who do not enroll in Part A and/or Part B when they are originally eligible are allowed to alternatively enroll between January 1 and March 31 each year. For those who do, their coverage will begin on the following July 1.
Medicare is Not Medicaid
Because their names sound so similar, people can oftentimes confuse Medicare with Medicaid. These two programs, however, are not the same. Medicaid is a joint state and federal program that provides medical assistance to those who meet very specific low income requirements.
In addition to medical necessity, a person must be considered at his or her state’s poverty level in terms of income and assets for Medicaid qualification purposes.
Through the Social Security Act, those who have income and resources not considered to be sufficient enough to meet the cost of their needed medical care, as well as certain long-term care needs, can qualify for Medicaid’s benefits. Therefore, Medicaid is considered a “means” tested program.
When determining which assets “count” toward qualifying for Medicaid, funds and property are divided into three different classes.
These include the following:
Countable Assets – Countable assets include any personal assets that the individual either owns or controls. These funds are required by Medicaid to be spent on the applicant’s care before he or she will be able to qualify for Medicaid’s benefits. Some examples of countable assets may include cash, stocks and bonds, and deferred annuities (provided that the annuities have already been annuitized).
Non-Countable Assets – Even though non-countable assets are still acknowledged by Medicaid, the particular types of assets are not necessarily utilized when making a determination regarding an applicant’s eligibility for Medicaid benefits. Non-countable assets can include household belongings, such as furniture, appliances, term life insurance policies, a burial plot owned by the Medicaid applicant, and the applicant’s primary residence – as long as the value of the home does not exceed a certain amount.
Inaccessible Assets – Assets that are inaccessible are those considered to be resources that would have had to be spent on a person’s care; however, the assets have instead been transferred to another individual or into a trust. This transfer has therefore made the asset inaccessible. With inaccessible assets, Medicaid has the right to review the applicant’s financial records at the time that the application for benefits is made. In most cases, if assets were transferred within a certain amount of time prior to a person’s application, Medicaid may deem the individual as being disqualified from receiving benefits – at least for a certain period of time.
What is Supplemental Insurance and What Does It Cover?
Medicare supplement insurance plans are a type of insurance coverage supplemental to what Medicare covers. This type of coverage can pay for some – or in some cases, all of the copayments and/or deductibles so that the enrollee does not need to pay such expenses out-of-pocket.
Medigap insurance is specifically designed to supplement Medicare’s benefits, and it is regulated by both federal and state law. A Medigap policy must be clearly identified as being Medicare Supplement insurance, and it must provide benefits that help to fill in the gaps in Medicare’s coverage.
Although the benefits are identical for all supplement plans of the same letter (i.e., all Plan A policies offer the same coverage options), the premiums may vary from one insurance carrier to another, as well as from one geographic area to another. There are even three states that do not use the letter system, but have different ways of designating their plans.
What is Medicare Advantage and How Does It Work?
A Medicare Advantage (MA) plan, similar to an HMO or PPO, is type of Medicare plan available to those who are eligible for “Original Medicare”, or Parts A and B. This option is also referred to as Part C. These plans are actually offered by private insurance companies approved by Medicare.
When an individual joins a MA Plan, Medicare pays a fixed amount of their premium every month to the companies that offer these plans. These companies are required to follow strict rules on coverage.
Each of the Advantage Plans are allowed to charge different out-of-pocket costs, and they may also have different rules as to how enrollees can receive their services. For example, some plans may require participants get a referral before going to a specialist. And, these rules may change every year.
MA Plans also have an annual cap on how much participants will pay for their Part A and Part B services throughout the year. This annual, maximum out-of-pocket amount can differ from plan to plan. You can get a full understanding of how MA plans can be a benefit to you HERE.
How to Find the Best Coverage
When seeking Supplemental or Advantage coverage, it is best to work with a company that has access to more than just one insurer.
That way, you can obtain information on numerous different benefits and quotes to see what your options are and what benefits are available to you.
When you’re ready to begin the process, you can use the form on this page and a top independent agent will work with you to get the best policy at the best rates.
He addressed the limited metro areas for which the products will be available: “We’re working with a partnership with HomeReady,” he stressed. “It’s a matter of these are the cities where home affordability is needed more – it’s probably the best way to put it. These are specific areas where it’s like, ‘hey, these metro … [Read more…]
Moving to Birmingham, Alabama, offers a unique blend of Southern charm, vibrant city life, and a rich historical backdrop. Residents can experience the best of both worlds, with the city providing a range of cultural experiences, diverse dining options, and a thriving arts scene while maintaining a warm and welcoming small-town atmosphere. Birmingham’s significant role in the Civil Rights Movement has left a lasting impact on its identity. The city’s strong ties to its industrial past have also shaped its character and are celebrated through landmarks like the iconic Vulcan statue. But what else is Birmingham, Alabama, known for? Whether you’re searching for Birmingham apartments, homes for sale or want to know more about this city, Redfin has you covered with local insights.
1. Low cost of living
The cost of living in Birmingham, Alabama, is relatively low, making it an attractive destination for residents seeking affordability and economic stability. The median sale price is $230,000, far less than the national median of $425,674. This allows residents to enjoy the benefits of homeownership without the burden of excessive mortgage payments.
Additionally, rental prices in the city are reasonable, providing flexibility for those who prefer to lease their living spaces. In Birmingham, the average cost of a two-bedroom apartment is $1,320, while in Fairhope, you can expect to find a similar apartment at an average price of $1,725. With affordable housing, relatively lower utility costs, and overall budget-friendly expenses, Birmingham offers a comfortable lifestyle without compromising the quality of life.
2. A mix of city and country living
Birmingham, Alabama is known for its country and city living, combining the charm of a relaxed, southern atmosphere with the amenities and opportunities of an urban center.
“If you feel torn between secluded country life and bustling city living, Birmingham is the ideal place for you,” says local newborn photographer Virginia Schultz. “From shopping and nightlife to parks and activities, everything is within your grasp. And you can still be transported to a natural secluded forest in minutes.”
3. Amazing food scene
If there’s one thing to remember, Birmingham, Alabama is proudly known for its fantastic food. With diverse restaurants and eateries serving delicious Southern cuisine, get ready to be amazed.
“Every year, three to four chefs from Birmingham receive and are nominated for the James Beard Awards,” says Joy King, a Local entrepreneur and owner of Eat. Drink. Ride Food Tour. “We have everything from authentic Ethiopian and Mexican, high-end sushi, BBQ, and soul food.”
Heather Durham, a wedding and commercial photographer, shares, “Birmingham is known for its amazing food scene, with several James Beard winners and many other accolades. I get excited to come home and always make reservations for my meals in advance to get my fix. Chef Rob McDaniel’s restaurant, Helen, is named after his grandmother and is a must-try.” If you stop by Helen, Healther recommends ordering the angel biscuits served with sea salt, maple butter, and the southern tomato pie.
“From Thai food housed in a converted gas station like Blue Pacific at Hoover Food Mart to Greek food with a southern spin like The Bright Star, there are many award-studded eats that are sure to please,” says Kate Zills, the founder of Made Simple Living, a natural beauty shop. Another one of Katie’s favorite spots is Saw’s Soul Kitchen, where she recommends you order a sweet tea fried chicken sandwich.
Nicole Allshouse, a local television host and lifestyle blogger, shares, “I’m convinced Birmingham is called the Magic City because of the highly trained chefs residing within it. If you want a five-star dining experience that will leave you dreaming about the food months after the fact, I would plan a seven-day trip and eat your way through the city. You have to try a Sunday brunch at Roots & Revelry.”
Whitney Carr, a local newborn photographer, agrees, “The best thing about Birmingham is the variety of exquisite cuisine available throughout the city. With its unique dining experience, Gianmarco’s Wine Bar will transport you to the Italian countryside, as you are surrounded by many wine selections from around the world. Should you venture downtown, James Beard Winner Frank Stitt’s Bottega and James Beard Winner Chris Hastings’ Hot and Hot Fish Club will delight your palate with their fresh, delectable dishes and superb Southern hospitality.”
4. Picturesque views
From the stunning sunsets over Red Mountain to the lush greenery along the Cahaba River, the city’s natural beauty provides ample opportunities for breathtaking sights.
“One of the reasons we love Birmingham is for its picturesque views, even within the city center,” shares Eric and Jamie, a local husband-and-wife wedding photography team. “From a gorgeous skyline and the beautiful parks and the neighborhoods to the architecture of some of Birmingham’s oldest buildings and churches, beauty is everywhere.”
5. Top-rated higher education
Birmingham, Alabama is known for its higher education institutions, which have earned a reputation for academic excellence and research contributions. One of the most prominent institutions in the city is the University of Alabama at Birmingham (UAB). UAB is a leading public research university that offers a wide range of undergraduate and graduate programs in various fields, including medicine, engineering, business, and the arts. The university’s medical center is particularly distinguished, providing cutting-edge healthcare services and groundbreaking medical research. Birmingham is also home to other notable higher education establishments, such as Samford University, a private university with strong law, business, and arts programs.
6. Beautiful parks
Birmingham, Alabama, is known for its array of beautiful parks that cater to outdoor enthusiasts and nature lovers.
Jackie Murray, a Birmingham maternity, newborn, and family photographer, shares, “Birmingham, Alabama, is known for its perfect mix of southern hospitality, good food, and outdoor activities. The parks and lakes in and around the city are unmatched. A local favorite is Railroad Park. It’s a vast green space in the middle of the city with the Birmingham skyline in the background.”
“Citywalk Park is one of its most unique attractions, right in the heart of downtown,” recommends local wedding photographer Olivia Joy. “It’s better than it sounds; a 31 acre-long park under the interstate bridge. From walking trails to a river pool to skateboarding rinks, it’s unlike any other park, and it’s got something for everyone.”
Dori DeCamillis, a local creativity blogger from Without a Net, shares, “Birmingham is in one of the most biodiverse regions in the country, and our parks and trails spread across the city, connecting us to nature and each other. We have one of the country’s most popular mountain bike trail systems, streams, and waterfalls along most trails, and fascinating rock outcroppings dotting the trails. Our location in the foothills of the Appalachians makes us a year-round destination for hiking, biking, bird-watching, and exploring.”
7. Role in the Civil Rights Movement
Birmingham, Alabama became a focal point for civil rights activism and struggles against racial segregation and discrimination during the 1960s. One of the most notable examples of Birmingham’s importance in the movement was the Birmingham Campaign in 1963. It was led by Martin Luther King Jr. and the Southern Christian Leadership Conference (SCLC). This campaign aimed to challenge the city’s rigid segregation laws through nonviolent protests and civil disobedience. The demonstrations, including sit-ins, boycotts, and marches, drew national attention to the issues of racial injustice in the South.
Given the current state of the world, and the fact that a higher percentage of the population is working from home than ever before, people are quickly realizing the need for efficient and effective technology.
Initial data shows that internet usage has surged between 50 and 70 percent during the COVID-19 pandemic as the population tries to access work, entertainment and more. The sudden, unprecedented strain on residential technology has caused major concerns related to both bandwidth and security – and many people have been experiencing issues. Just last week I was trying to do a Zoom meeting with a client who lives in New York City and is currently on a work-from-home mandate. This client – who holds an executive position at her company and presumably has many other meetings to take – was unable to get video to work for our meeting and the call kept dropping due to the limited bandwidth in her building.
As a property owner, you likely have choices when it comes to technology at your home (though maybe limited if you live in a multi-family development.) Renters likely don’t have the option to make many changes when it comes to the internet, cell phone service, and other technology critical during this challenging time. How can landlords help tenants through this period of time, and what can they do to better prepare for the future?
Tenant portals are absolutely necessary
With the recommended social distancing measures in place, it’s critical for landlords to provide options for tenants to continue regular operations without having to meet in person. An online tenant portal allows landlords and tenants to interact when it comes to rent payments, maintenance requests, accessing important files, and other communication that may be necessary during this time.
Smart home technology is beneficial in ways we didn’t consider previously
It might not be an immediate option for landlords to add smart home technology features to their rental properties, but it’s definitely something to consider in a new light moving forward. Properties that do have smart technology installed are likely realizing benefits they may not have considered before the current pandemic. Tenants who have decided to shelter in place with family or in locations away from their rental property will still be able to control things like heat and electricity from a remote location. Landlords may even be able to offer remote access to maintenance staff and other professionals in emergency situations.
High speed internet is a premium feature
Over 90% of renters value internet connectivity as a top amenity for their rental property – especially since more than half say they have 1-4 connected devices in their home – according to a report from the National Multifamily Housing Council. These numbers could be even higher with so many renters working from home right now.
Every landlord should consider offering access to high speed internet at their rental properties, and even consider including high speed internet services as an amenity. When the market picks back up and new construction and development continues, rental properties should consider the availability of fiber-optic internet for higher bandwidth capacity. One new community being developed here in my home state of Oregon is considering making the entire neighborhood fiber-optic ready and installing a smart panel in every new home (they would be the first development in the state of Oregon to implement this). Given the situation at hand and looking toward the future for ways to better prepare – this is a very smart move.
In times of massive change, people are looking for stability, including technology that works. As many of us are isolated physically, staying connected digitally is vital. We must be able to go about our daily business and lives, from video calls with colleagues to conducting business – like paying bills and rent – remotely. This requires access to technology, and landlords can help support their tenants by prioritizing specific tech implementations and improvements.
If you’re in the market for a cash-back credit card that rewards you for the types of purchases you probably make every day (or at least every week), look no further than the USAA Rewards American Express Credit Card. It’s one of the best no-annual-fee cash-back cards around thanks to a generous rewards program and choice nonrewards benefits.
The big catch is that it’s only available to USAA members, who make up a very small minority of U.S. consumers. But if you’re fortunate enough to be an existing or eligible member, this card is definitely worth a closer look.
What Is the USAA Rewards American Express Credit Card?
The USAA Rewards American Express Credit Card is a cash-back card with no annual fee or foreign transaction fees. It offers an accessible sign-up bonus, a 0% intro APR promotion on balance transfers, and a simple but solid cash-back earning structure.
New account holders can earn a tidy sign-up bonus without much effort. The fact that there is no minimum spend for this sign-up bonus makes it accessible to everyone.
New cardholders may also qualify for introductory financing, which offers 0% APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening. This offer is available only for a limited time. And after the introductory APR offer ends, a variable APR will apply — which is currently 14.90% to 30.90%, depending on your creditworthiness.
This card’s rewards program is quite generous for a no-annual-fee card:
3 points per $1 spent on dining
2 points per $1 spent on groceries
2 points per $1 spent at gas stations
1 point per $1 spent on all other eligible purchases
These points are worth one cent each when deposited to a USAA checking or savings account, which is the best redemption option. They’re worth slightly less when you request your rewards as a statement credit.
The card also offers other travel benefits, including auto rental coverage, travel accident insurance, trip cancellation and interruption coverage and baggage delay and reimbursement. Plus, you get extended warranty protection on eligible U.S. manufacturer warranties.
What Sets the USAA Rewards American Express Credit Card Apart?
This card has several features that help it distinguish itself from other credit cards in its category.
0% Intro APR promotion on balance transfers. Although this offer doesn’t waive interest on purchases at any point, its 15-month, 0% intro balance transfer APR is still a good offer. It also covers convenience checks that post to the account within 90 days of account opening, with no additional cash advance fee. That’s unusual (and welcome).
A sign-up bonus that’s easy to earn. New accountholders qualify for this card’s sign-up bonus after making just one purchase with their card. Many other sign-up bonuses have a minimum spend that you must meet in order to receive the bonus, but this one doesn’t.
3x points on dining. For a card with no annual fee, 3x points on dining is a good earning rate for folks who regularly dine out and/or order takeout.
Requires USAA membership. You must be a member of USAA to apply for this card. USAA membership is available to active-duty and retired military service members and their families, which means most consumers aren’t eligible. This is definitely the card’s biggest drawback.
Key Features of the USAA Rewards American Express Credit Card
The USAA Rewards American Express Credit Card offers an easily accessible sign-up bonus, a 0% intro APR promotion, and a simple but solid earning structure.
Sign-Up Bonus
Earn 2,500 bonus points after your first purchase. That’s worth up to $25 at redemption.
Earning Rewards
This card earns 3 points per $1 spent on dining, 2 points per $1 spent on groceries, 2 points per $1 spent at gas stations, and 1 point per $1 spent on all other purchases.
Redeeming Rewards
Rewards can be redeemed for:
Cash back in the form of a statement credit or an electronic deposit to your USAA account
General merchandise
Gift cards from participating merchants
Charitable contributions to participating charities
Travel accommodations through USAA’s own travel booking portal
Minimum redemption requirements vary by redemption method but are generally manageable..
0% Introductory APR Promotion
For a limited time, this card offers 0% introductory APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening. After the intro APR offer ends, a variable APR will apply, which is currently 14.90% to 30.90%, depending on creditworthiness.
Important Fees
This card charges a balance transfer and cash advance fee of 3% of the amount of each transaction. There are late payment and returned payment fees of up to $35, but no foreign transaction fee.
Credit Required
This card requires good or better credit to qualify. If your FICO score is much below 700, your application might be denied.
Pros & Cons
The USAA Rewards American Express Credit Card has several appealing benefits and a couple downsides to keep in mind as well.
Generous rewards program for a no-annual-fee card
Long 0% intro APR promotion on balance transfers and convenience checks
Valuable nonrewards benefits
Requires USAA membership
Very small sign-up bonus
Pros
This card has a generous rewards program, a long 0% intro APR promotional period, and valuable nonrewards benefits.
Strong bonus categories. Earning 3x points on dining and 2x points on groceries and at gas stations can add up quickly. These points are worth $0.01 each when you deposit your rewards into a USAA checking or savings account.
Receive 15 months of 0% APR financing. This offer is a little quirky in that it applies only to balance transfers and convenience checks, both of which have a 3% fee. But it’s rare to find an introductory APR offer that includes convenience checks, which usually charge interest from the get-go.
Valuable benefits. This card comes with a host of travel insurance and purchase protection policies that are usually just found on premium rewards cards. So it’s a welcome surprise to see these benefits on a cash back card with no annual fee.
Cons
This card has strict eligibility requirements and a sign-up bonus that’s almost not worth writing home about.
You must be a USAA member. For the most part, USAA members are very satisfied with their membership, but it’s not open to everyone. You have to be an active-duty or retired service member, or a spouse or child of one. If you’re not eligible for membership — and something like 95% of Americans aren’t — then you can’t apply for this card.
Token sign-up bonus. The new account bonus is very small, even for a no-annual-fee card. Sure, it’s better than nothing, but you’ll barely feel it.
How the USAA Rewards American Express Credit Card Stacks Up
The card’s closest competitor is probably the PenFed Platinum Rewards Visa Signature Card. Here’s how the two cards compare:
USAA Rewards American Express Credit Card
PenFed Platinum Rewards Visa Signature® Card
Annual Fee
$0
$0
Sign-Up Bonus
Tiny
Average
Rewards Rate
Up to 3x
Up to 5x
0% Intro APR
0% intro APR for 15 months on balance transfers and convenience checks
0% intro APR for 12 months on balance transfers
Foreign Transaction Fee
None
None
Credit Needed
Good or better
Good or better
Final Word
It’s great to find a cash back credit card that offers competitive returns with no annual fee. For USAA members, the USAA Rewards American Express is an offer that’s worth considering. If you can take advantage of the bonus rewards categories, as well as the promotional financing terms, then the USAA Rewards American Express could be right for you. And if you’re not a USAA member yet, it could be worth joining just to take advantage of this offer.
The Verdict
Our rating
USAA Rewards American Express Credit Card
The USAA Rewards American Express Credit Card is a competitive cash-back credit card that comes with a strong introductory financing offer. Its strength is the bonus rewards available for dining, grocery, and gas purchases along with the introductory financing offer. However, this card is only available to USAA members. Plus, the financing offer is only valid for balance transfers and convenience checks rather than for new purchases, which limits its usefulness.
Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
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Jason Steele is one of the nation’s leading experts in credit cards and travel rewards since 2008. Jason is also the founder and producer of CardCon, which is The Conference for Credit Card Media. Jason lives in Denver, Colorado where he enjoys bicycling, snowboarding and piloting small airplanes.
Contrary to popular belief, you don’t need to pay annual fees topping $550 to get the best travel credit card. If you don’t travel enough to use all the benefits that come with a top-tier card — or simply don’t have room in your budget to justify these fees each year — there are still plenty of no-annual-fee cards to choose from.
When it comes to hotel credit cards, the good news is that a no-annual-fee card can offer you more benefits than you might expect. From complimentary (or a pathway to) elite status to earning hotel points on your everyday purchases, you’ll only gain from owning these cards instead of worrying about outsizing the value from cards with no annual fees.
While the best hotel card for you will depend on which hotel chain you prefer, the best options of the bunch are the Marriott Bonvoy Bold Credit Card and the Hilton Honors American Express Card. Both brands are widely prevalent, meaning you have more opportunities to earn and redeem points at properties worldwide.
The best no-annual-fee hotel credit cards
The information for the Best Western Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Comparing the best no-annual-fee hotel credit cards
Card
Rewards rate
Intro bonus
Marriott Bonvoy Bold
3 points per dollar at participating Marriott Bonvoy hotels, 2 points per dollar on other travel purchases and 1 point per dollar on all other purchases
Earn 50,000 bonus points after spending $1,000 on purchases in your first six months from account opening; plus earn an additional 50,000 bonus points after you stay six eligible paid nights at Marriott Bonvoy through Jan. 31, 2024. Offer ends Aug. 10.
Hilton Honors American Express Card
7 points per dollar on eligible purchases directly with hotels and resorts in the Hilton portfolio, 5 points per dollar at U.S. restaurants, U.S. supermarkets and at U.S. gas stations and 3 point per dollar on other eligible purchases.
Earn 80,000 Hilton Honors bonus points after you spend $1,000 in purchases on the card within your first three months of card membership.
IHG One Rewards Traveler Credit Card
5 points per dollar at IHG Hotels & Resorts, 3 points per dollar on utilities, internet, cable, phone services and select streaming services, gas station and restaurant purchases and 2 points per dollar on everything else.
Earn 80,000 bonus points after you spend $2,000 in purchases in the first three months of account opening and up to $50 in IHG statement credits on purchases at IHG Hotels & Resorts during the first 12 months from account opening.
Choice Privileges Mastercard
5 points per dollar at eligible Choice Hotels, 3 points per dollar at gas stations, grocery stores, home improvement stores and phone plan services, and 1 point per dollar on everything else.
Earn 60,000 bonus points after you spend $1,000 in purchases within three months of card membership.
Best Western Rewards Mastercard
13 points per dollar on Best Western purchases and 2 points per dollar on everything else.
Earn 40,000 bonus points after you spend $1,000 within the first three months after account opening.
Capital One VentureOne Rewards Card
1.25 miles per dollar on all purchases
Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening.
The best no-annual-fee hotel credit cards
Marriott Bonvoy Bold Card: Best card for Marriott
Current sign-up bonus: Earn 50,000 bonus points after spending $1,000 on purchases in your first six months from account opening; plus earn an additional 50,000 bonus points after staying six eligible paid nights at Marriott Bonvoy hotels through Jan. 31, 2024. Offer ends Aug. 10.
Rewards rate: Earn 3 points per dollar at participating Marriott Bonvoy hotels, 2 points per dollar on other travel purchases and 1 point per dollar on everything else.
Other benefits: You’ll become an automatic Silver Elite member as a cardholder, which gets you perks such as priority late checkout and 10% bonus points on stays. Therefore, you’ll have the ability to earn up to 14 points per dollar on eligible Marriott stays (3 points per dollar with this card, 10 points per dollar for being a Marriott Bonvoy member and 1 point per dollar for Silver Elite). Plus, earn 2 points per dollar on all travel purchases.
You’ll also have the opportunity to improve your elite status the more you stay with Marriott. This card comes with an impressive number of travel and purchase protections, including baggage loss and delay insurance and more. To top it all off, there’s no annual fee (and no foreign transaction fees).
Analysis: As you build up your credit card portfolio, you’ll eventually want to have a card that earns transferable points, along with an airline card and a hotel card. If Marriott is your hotel chain of choice (we don’t blame you since there are more than 7,000 properties worldwide), the Bold is the perfect place to start. With a complimentary jump-start to Silver Elite status, the possibilities of reaching higher tiers of Marriott elite status are endless.
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Further reading: Marriott Bonvoy Bold card review
Apply here: Marriott Bonvoy Bold
Hilton Honors American Express Card: Best card for Hilton
Current welcome offer: Earn 80,000 Hilton Honors bonus points after you spend $1,000 in purchases on the card within your first three months of card membership
Rewards rate: Earn 7 points per dollar on eligible Hilton hotel and resorts purchases, 5 points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations, plus 3 point per dollar on other eligible purchases.
Other benefits: It’s not often that a no-annual-fee card (see rates & fees) provides you with as many perks as the Hilton Honors Amex card does. For starters, enjoy complimentary Silver Elite status to get 20% bonus points on stays and a fifth free night benefit. In addition to a lucrative rewards rate on Hilton and everyday purchases, you’ll have secondary rental car coverage and no foreign transaction fees (see rates & fees).
Analysis: The Hilton Honors Amex proves you don’t have to pay an annual fee to get top-notch perks. Its welcome bonus offers a healthy stash of Hilton Honors points and ample ways to continue earning on your everyday spending. We recommend this card for those who enjoy staying at Hilton properties but want to keep costs as low as possible.
Further reading: Hilton Honors American Express card review
Apply here: Hilton Honors American Express
IHG One Rewards Traveler Credit Card: Best no-annual-fee card for IHG Hotels
Current sign-up bonus: Earn 80,000 bonus points after you spend $2,000 in purchases in the first three months of account opening and up to $50 in IHG statement credits on purchases at IHG Hotels and Resorts during the first 12 months from account opening.
Rewards rate: 5 points per dollar at IHG Hotels & Resorts, 3 points per dollar on utilities, internet, cable, phone services and select streaming services, gas station and restaurant purchases and 2 points per dollar on everything else.
Other benefits: This hotel card comes with the unique benefit of a fourth-night reward, meaning you’ll pay the price of three nights to stay for a total of four nights. Plus, you’ll get a 20% discount on points purchases when you pay for those points with your card.
Analysis: By being strategic with this card, you can get a ton of value without ever paying an annual fee.
Further reading: IHG One Rewards Traveler card review
Apply here:IHG One Rewards Traveler card
Choice Privileges Mastercard: Best for Choice Hotels
Current bonus: Earn 60,000 bonus points after you spend $1,000 in purchases within the first three months of card membership.
Rewards rate: 5 points per dollar at eligible Choice Hotels, 3 points per dollar at gas stations, grocery stores, home improvement stores and on phone plan services and 1 point per dollar on everything else.
Other benefits: You’ll get automatic Gold Elite status, which unlocks benefits such as an elite welcome gift, early check-in and late checkout. You’ll also get up to $800 of cellphone protection against damage or theft when you pay your monthly bill with this card (subject to a $25 deductible) as well as Mastercard World Elite benefits.
Analysis: Being a Choice Hotels elite member will enhance your hotel experience, and with this card, you’ll be granted this status for free. While not the most lucrative no-annual-fee hotel card out there, this card offers simplicity — a reason to keep it in your wallet each year with the opportunity to earn anniversary points.
Further reading: 2 new Choice Privileges credit cards are now open to new applicants
Apply here: Choice Privileges Mastercard
Best Western Rewards Mastercard: Best for Best Western
Current bonus: Earn 40,000 bonus points after you spend $1,000 within the first three billing cycles after account opening.
Rewards rate: 13 points per dollar on Best Western purchases and 2 points per dollar on everything else.
Other benefits: With this card, you’ll enjoy no foreign transaction fees, exclusive member room rates and complimentary Gold status, which guarantees you 10% bonus points for your eligible stays and early check-in and late checkout.
Analysis: For a card with no annual fee, those who stay at Best Western properties regularly can get considerable value from the welcome bonus and ongoing Gold elite status.
Further reading: Your ultimate guide to Best Western Rewards
Capital One VentureOne Rewards Card: Best for all hotels
Current bonus: Earn a bonus of 20,000 bonus miles once you spend $500 within the first three months from account opening.
Other benefits: While the hotel cards above can get you elite perks or other exclusive benefits, sometimes limiting yourself to one brand doesn’t make sense. That’s why the VentureOne is our favorite for all hotel stays, as it offers a simple earning scheme (unlimited 1.25 miles per dollar on all purchases) plus an even simpler way to redeem. You can redeem your miles at 1 cent each for any hotel (or other travel) charges on your card. If you’re an advanced award traveler, you’ll be happy to know that you can transfer your Capital One miles to airline and hotel partners like Air Canada Aeroplan and Singapore Airlines KrisFlyer to find even more potential value.
Analysis: We like the flexibility that the VentureOne offers. You won’t get hotel elite status with this card, but you can use this card to pay for hotels from any brand. If all you’re looking for is a way to earn and redeem your travel rewards, this is a good card for you. Plus, with no foreign transaction fees, you can take the VentureOne with you anywhere.
Further reading: Capital One VentureOne review
Apply here: Capital One VentureOne
Bottom line
Almost all of the no-annual-fee hotel cards in this guide get you automatic elite status, plus a pathway to the next level for even better benefits. The best pick for you will first depend on the hotel chain you prefer, but take a deeper look at the ongoing rewards rate and any additional benefits you can get from the card (such as no foreign transaction fees or any travel and purchase protections).
And remember: Since you’re not paying an annual fee on any of these cards, you won’t have to worry about if you’re stretching enough value to justify the cost each year.
Additional reporting by Emily Thompson.
For rates and fees of the Hilton Amex card, click here.