Category Archives: Credit Cards

Apply for a New Credit Card

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If you are looking for a new credit card, you found the right place.  Click any of the links below to see great credit card options.

Chase Credit Cards

Chase Ink Business Preferred Credit Card100,000 Chase Ultimate Rewards Points after spending $15,000 in 3 months.
Chase Ink Business Unlimited Credit Card$500 cash back after spending $3,000 in 3 months.
Chase Ink Business Cash Credit Card$500 cash back after spending $3,000 in 3 months.
Chase Sapphire Reserve Credit Card50,000 Chase Ultimate Rewards Points after spending $4,000 in 3 months.
Chase Sapphire Preferred Credit Card60,000 Chase Ultimate Rewards Points after spending $4,000 in 3 months.
Chase Freedom Credit Card$200 cash back after spending $500 in 3 months.
Chase Freedom Unlimited Credit Card$150 cash back after spending $500 in 3 months.
Chase Aer Lingus Credit Card50,000 Aer Lingus Avios after spending $3,000 in the first 3 months + 50,000 British Airways Avios after spending $20,000 in the first year.
Chase British Airways Credit Card50,000 British Airways Avios after spending $3,000 in the first 3 months + 50,000 British Airways Avios after spending $20,000 in the first year.
Chase Iberia Credit Card50,000 Iberia Avios after spending $3,000 in the first 3 months + 50,000 British Airways Avios after spending $20,000 in the first year.
Chase Southwest Airlines Performance Business Credit Card70,000 Southwest Airlines Points after spending $5,000 in 3 months + 30,000 Southwest Airlines Points after spending $25,000 in 6 months.
Chase Southwest Airlines Premier Business Credit Card60,000 Southwest Airlines Points after spending $3,000 in 3 months.
Chase Southwest Airlines Priority Credit Card40,000 Southwest Airlines Points after spending $1,000 in 3 months.
Chase Southwest Airlines Premier Credit Card40,000 Southwest Airlines Points after spending $1,000 in 3 months.
Chase Southwest Airlines Plus Credit Card40,000 Southwest Airlines Points after spending $1,000 in 3 months.
Chase United Business Credit Card100,000 United Airlines Miles after spending $10,000 in 3 months.
Chase United Club Credit CardNo annual fee and no sign up bonus currently.
Chase United Explorer Credit Card40,000 United Airlines Miles after spending $3,000 in 3 months.
Chase Marriott Bonvoy Boundless Credit Card75,000 Marriott Bonvoy Points after spending $3,000 in 3 months.
Chase Marriott Bonvoy Bold Credit Card30,000 Marriott Bonvoy Points after spending $1,000 in 3 months.
Chase IHG Rewards Premier Credit Card125,000 IHG Points after spending $3,000 in 3 months.
Chase IHG Rewards Traveler Credit Card75,000 IHG Points after spending $2,000 in 3 months.
Chase World of Hyatt Credit Card25,000 Hyatt Points after spending $3,000 in 3 months + 25,000 Hyatt Points after spending $6,000 in 6 months.

American Express Credit Cards

American Express Business Platinum Charge Card50,000 Membership Rewards Points after spending $10,000 in 3 months + 35,000 Membership Rewards Points after spending an additional $10,000 in 3 months.
American Express Platinum Charge Card75,000 Membership Rewards Points after spending $5,000 in 3 months.
American Express Business Gold Charge Card50,000 Membership Rewards Points after spending $5,000 in 3 months.
American Express Gold Charge Card50,000 Membership Rewards Points after spending $4,000 in 3 months.
American Express Business Green Rewards Charge Card25,000 Membership Rewards Points after spending $3,000 in 3 months.
American Express Green Charge Card45,000 Membership Rewards Points after spending $2,000 in 3 months.
American Express Blue Business Plus Credit Card10,000 Membership Reward Points after spending $3,000 in 3 months.
American Express Blue Business Cash Credit CardEarn $250 statement credit after spending $5,000 in 6 months + $250 statement credit after spending an additional $10,000 in 12 months.
American Express Plum Charge CardEarn $200 statement credit after spending $10,000 in 3 months + $200 statement credit after spending $20,000 in 3 months + $200 statement credit after spending $30,000 in 3 months.
American Express Cash Magnet Credit CardEarn $225 statement credit after spending $1,000 in 3 months.
American Express Platinum Delta SkyMiles Business Credit Card45,000 Delta SkyMiles + 5,000 MQMs after spending $3,000 in 3 months + $100 statement credit on your first Delta purchase in 3 months.
American Express Platinum Delta SkyMiles Credit Card40,000 Delta SkyMiles + 5,000 MQMs after spending $2,000 in 3 months + $100 statement credit on your first Delta purchase in 3 months.
American Express Delta Reserve Business Credit Card45,000 Delta SkyMiles + 10,000 MQMs after spending $4,000 in 3 months.
American Express Delta Reserve Credit Card40,000 Delta SkyMiles + 10,000 MQMs after spending $3,000 in 3 months.
American Express Gold Delta SkyMiles Business Credit Card40,000 Delta SkyMiles after spending $2,000 in 3 months.
American Express Gold Delta SkyMiles Credit Card35,000 Delta SkyMiles after spending $1,000 in 3 months.
American Express Blue Delta SkyMiles Credit Card10,000 Delta SkyMiles after spending $500 in 3 months.
American Express Hilton Honors Business Credit Card125,000 Hilton Honors Points after spending $3,000 in 3 months.
American Express Hilton Honors Aspire Credit Card150,000 Hilton Honors Points after spending $4,000 in 3 months.
American Express Hilton Honors Surpass Credit Card140,000 Hilton Honors Points after spending $3,000 in 3 months.
American Express Hilton Honors Credit Card95,000 Hilton Honors Points after spending $1,000 in 3 months.
American Express Marriott Bonvoy Business Credit Card75,000 Marriott Points after spending $3,000 in 3 months.
American Express Marriott Bonvoy Brilliant Credit Card75,000 Marriott Points after spending $3,000 in 3 months.
American Express EveryDay Preferred Credit Card30,000 Membership Rewards Points after spending $2,000 in 3 months.
American Express EveryDay Credit Card10,000 Membership Rewards Points after spending $1,000 in 3 months.
American Express Blue Cash Preferred Credit Card$250 cash back after spending $1,000 in 3 months.
American Express Blue Cash Everyday Credit Card$225 cash back after spending $1,000 in 3 months.

Citi Credit Cards

CitiBusiness American Airlines Platinum Select Credit Card70,000 American Airlines Miles after spending $4,000 in 4 months.
Citi American Airlines Executive Credit Card50,000 American Airlines Miles after spending $5,000 in 3 months plus complimentary Admirals Club membership.
Citi American Airlines Platinum Select Credit Card50,000 American Airlines Miles after spending $2,500 in 3 months.
Citi American Airlines MileUp Credit Card10,000 American Airlines Miles + $50 statement credit after spending $500 in 3 months.
Citi Prestige Credit Card50,000 Thank You Points after spending $4,000 in 3 months.
Citi Premier Credit Card60,000 Thank You Points after spending $4,000 in 3 months.
Citi Rewards+ Credit Card15,000 Thank You Points after spending $1,000 in 3 months.
Citi Costco Anywhere Visa Business Credit Card4% cash back on gas; 3% cash back on restaurants & travel; 2% cash back at Costco.
Citi Costco Anywhere Visa Credit Card4% cash back on gas; 3% cash back on restaurants & travel; 2% cash back at Costco.
Citi Double Cash Credit Card18 month 0% balance transfer offer + 2% cash back everywhere.

Capital One Credit Cards

Capital One Spark Cash Business Credit Card$500 cash back after spending $5,000 in 3 months + $1,500 cash back after spending $50,000 in 6 months.
Capital One Spark Miles Business Credit Card50,000 Miles after spending $5,00 in 3 months + 150,000 Miles after spending $50,000 in 6 months.
Capital One Spark Cash Select Business Credit Card$200 cash back after spending $3,000 in 3 months.
Capital One Spark Miles Select Business Credit Card20,000 Miles after spending $3,000 in 3 months.
Capital One Spark Classic Business Credit CardEarn 1% cash back on every purchase, every day.
Capital One Venture Rewards Credit Card50,000 Miles after spending $3,000 in 3 months.
Capital One VentureOne Rewards Credit Card20,000 Miles after spending $1,000 in 3 months.
Capital One Savor Cash Rewards Credit Card$300 cash back after spending $3,000 in 3 months.
Capital One SavorOne Cash Rewards Credit Card$150 cash back after spending $500 in 3 months.
Capital One Quicksilver Credit Card$150 cash back after spending $500 in 3 months.
Capital One Quicksilver One Cash Rewards Credit CardEarn unlimited 1.5% cash back on every purchase, every day. Get access to a higher credit line after making your first 5 monthly payments on time.
Capital One Journey Student Rewards Credit CardEarn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
Capital One Platinum Credit CardGet access to a higher credit line after making your first 5 monthly payments on time.
Capital One Secured MasterCard Credit CardBuild credit when used responsibly, with regular reporting to the 3 major credit bureaus.

Other Credit Cards

Banco Popular Avianca Vida Visa Card20,000 LifeMiles after your first purchase.
Banco Popular Avianca Vuela Visa Card40,000 LifeMiles after your first purchase.
Discover It Credit Card$50 cash back after your first purchase.
Discover It Miles Credit Card$50 cash back after your first purchase.
US Bank Cash+ Credit Card$150 cash back after spending $500 in 3 months + 5% cash back at select categories.
US Bank Cash 365 American Express Credit Card$150 cash back after spending $500 in 3 months.
Wells Fargo Propel American Express Credit Card20,000 Wells Fargo GoFar Rewards Points after spending $1,000 in 3 months.
Wells Fargo Cash Wise Visa Credit Card$150 cash back after spending $500 in 3 months.
Wells Fargo Platinum Visa Credit Card0% Intro APR for 18 months on purchases and balance transfers (fees apply). Get up to $600 protection on your cell phone (subject to $25 deductible).
TD Cash Visa Credit Card$150 cash back after spending $500 in 3 months.
Commerce Bank Rewards Credit Card$150 cash back after spending $1,000 in 3 months.
Toggle Unlimited Everyday Rewards Credit Card$150 cash back after spending $1,000 in 3 months.
ABOC Platinum Rewards Credit Card$150 cash back after spending $1,200 in 3 months + 5x rewards in select categories.
PenFed Power Cash Rewards Credit Card$100 cash back after spending $1,500 in 3 months.
HSBC Cash Rewards Credit Card3% cash back on first $10,000 spend in 12 months.

Credit Card Categories

Travel & Airline Credit CardsCredit Cards with Rewards ProgramsCredit Cards with Large Sign-up Bonuses
Cash Back Credit CardsRestaurant Credit CardsGas Credit Cards
Business Credit CardsStudent Credit CardsPrepaid Credit Cards
Credit Card NavigatorBalance Transfer Credit Cards0% APR Credit Cards

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The Story of My Wife’s New Chase Credit Card

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Good morning everyone, I hope your weekend is off to a great start.  My wife and I have a few large expenses coming up in the next few months, so we decided to get a new credit card.  Since Laura is under 5/24, we decided that she should apply for a new Chase credit card.  She currently has a Chase World of Hyatt Credit Card, a Chase Southwest Airlines Priority Credit Card, and a Chase Freedom Credit Card (converted from a Chase Sapphire Preferred Credit Card last year).

Laura doesn’t have a business, so we didn’t look at any business credit cards.  It’s too soon to apply for a Chase Sapphire Reserve, she didn’t want any more Southwest Airlines credit cards, she didn’t want an international airline credit card (Aer Lingus, British Airways, or Iberia), and she wanted a decent sign up bonus.  After whittling down the list of possible Chase credit cards, we were left with 4 options.

After calculating the value of the sign up bonus and subtracting the first year annual fee, the Chase IHG Premier Credit Card had the highest net value.  Coincidentally, I wanted Laura to get this credit card because I also have a Chase IHG Premier Credit Card.  My annual fee will post next month, so I wanted to have 2 credit cards that would renew around the same time so that the free night certificates would be valid for the same date range.

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My Wife’s Super Easy Capital One Venture Rewards Credit Card Retention Call

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Good morning everyone.  A few days ago, the $59 annual fee posted on my wife’s Capital One Venture Rewards Credit Card.  Laura has been a loyal Capital One cardmember since before she met me and uses this card as her go-to 2% back everywhere card.  I told her she should call Capital One and ask them to waive the annual fee.  She looked at me strangely wondering why she should ask to waive the annual fee.  I told her that my Citi Double Cash Credit Card earns 2% cash back with no annual fee and we aren’t travelling, so we haven’t put any eligible travel purchases on the card that could be reimbursed.  Plus, she has never transferred Capital One “Miles” into frequent flyer miles.  She called the number on the back of her card and talked to a friendly Capital One rep.

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Overpaid Chase Credit Card? Receive Credit Balance Refund via ACH Bank Transfer Instead of Check

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Good morning everyone.  A few days ago, my Chase Sapphire Reserve Credit Card statement closed and I ended up with a credit balance of $349.34 because I redeemed 1/3 of my Chase Ultimate Rewards Points for several Pay Yourself Back transactions.  I called Chase to see if I could move the credit balance from my Chase Sapphire Reserve to another Chase credit card (to act as a payment), but the rep said that the Pay Yourself Back transactions were not eligible to be moved to another Chase credit card.  She then asked if I would like to receive a check in the mail for the credit balance.  Before I said yes, I asked if it were possible to get a bank transfer instead.  She said yes – Chase recently started offering bank transfers for credit balances.  She told me I would receive an email from Chase in the next day with instructions on how to set up my Chase Payments account and receive a bank transfer.  I thanked her for her help and waited for the email to arrive.

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PSA: Check Posting Date of Discover It Purchases Near End of Quarter (Don’t Miss 5% Cash Back Transactions)

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Good morning everyone, I hope you all had a great Fourth of July weekend.  Yesterday, I was reviewing my Discover It Credit Card statement and noticed that I only earned $4.05 cash back on my last statement.  After reviewing my transactions, I saw that my $400 Costco online purchase posted on July 2 (2 days after the end of Q2).  In Q2, Warehouse Clubs (like Costco) were providing 5% cash back, so my $400 purchase should have earned me $20 cash back ($400 x 5% = $20).  I did some research and called Discover for help.

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Reminder: Chase’s Pay Yourself Back Feature Does Not Allow Multiple Partial Redemptions

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Good morning everyone, I hope your week is going well.  A few days ago, I wrote Why I Redeemed 1/3 of my Chase Ultimate Rewards Points with the Pay Yourself Back Feature.  That post received many great comments, but the comment from Al was especially relevant to me:

“I didn’t realize that the maximum redemption for an eligible charge (grocery) had to be made at one time. I redeemed $300 out of a $500 charge figuring I could redeem the remaining $200 at a later date. Well, I was wrong. But now I know for the rest of my eligible charges.”

According to the Pay Yourself Back terms, “Once you redeem any amount of points towards an eligible purchase for a statement credit, it will no longer be an eligible purchase.” I inadvertently tested this out on June 28 when I did a partial redemption (I did not do the max dollar amount) for a Trader Joe’s purchase.  As you can see, I only have 3 eligible Pay Yourself Back transactions available.

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