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 Card80,000 Chase Ultimate Rewards Points after spending $5,000 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 Unlimited Credit Card$200 cash back after spending $500 in 3 months.
Chase Freedom Credit Card$200 cash back after spending $500 in 3 months.
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 Southwest Airlines Performance Business Credit Card70,000 Southwest Airlines Points after spending $5,000 in 3 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 + 35,000 Southwest Airlines Points after spending $5,000 in 6 months.
Chase Southwest Airlines Premier Credit Card40,000 Southwest Airlines Points after spending $1,000 in 3 months + 35,000 Southwest Airlines Points after spending $5,000 in 6 months.
Chase Southwest Airlines Plus Credit Card40,000 Southwest Airlines Points after spending $1,000 in 3 months + 35,000 Southwest Airlines Points after spending $5,000 in 6 months.
Chase United Explorer Business Credit Card50,000 United Airlines Miles after spending $5,000 in 3 months + 50,000 United Airlines Miles after spending $25,000 in 6 months.
Chase United Explorer Credit Card40,000 United Airlines Miles after spending $2,000 in 3 months + 25,000 United Airlines Miles after spending $10,000 in 6 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 Card80,000 IHG Points after spending $2,000 in 3 months.
Chase IHG Rewards Traveler Credit Card60,000 IHG Points after spending $2,000 in 3 months.
Chase World of Hyatt Credit Card50,000 Hyatt Points after spending $6,000 in 6 months.

American Express Credit Cards

American Express Business Platinum Charge Card50,000 Membership Reward Points after spending $10,000 in 3 months plus another 25,000 Membership Reward Points after spending an additional $10,000 in 3 months.
American Express Platinum Charge Card60,000 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 Card5,000 Membership Reward Points after your first purchase.
American Express Green Charge Card35,000 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 Plum Charge CardEarn $600 statement credit after spending $30,000 in 3 months.
American Express SimplyCash Plus Business Credit CardEarn $250 statement credit after spending $5,000 in 6 months + another $250 statement credit after spending an additional $10,000 in 12 months.
American Express Cash Magnet Credit CardEarn $200 statement credit after spending $1,000 in 3 months.
American Express Platinum Delta SkyMiles Business Credit Card35,000 Delta SkyMiles + 5,000 MQMs after spending $1,000 in 3 months + $100 statement credit after your first Delta purchase.
American Express Platinum Delta SkyMiles Credit Card75,000 Delta SkyMiles + 5,000 MQMs after spending $3,000 in 3 months + $100 statement credit on your first Delta purchase.
American Express Delta Reserve Business Credit Card40,000 Delta SkyMiles + 10,000 MQMs after spending $3,000 in 3 months.
American Express Delta Reserve Credit Card75,000 Delta SkyMiles + 10,000 MQMs after spending $5,000 in 3 months.
American Express Gold Delta SkyMiles Business Credit Card30,000 Delta SkyMiles after spending $1,000 in 3 months + $50 statement credit after your first Delta purchase.
American Express Gold Delta SkyMiles Credit Card60,000 Delta SkyMiles after spending $2,000 in 3 months + $50 statement credit after your first Delta purchase.
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 Card125,000 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 Card20,000 Membership Rewards Points after spending $1,000 in 3 months.
American Express EveryDay Credit Card15,000 Membership Reward Points after spending $1,000 in 3 months.
American Express Blue Cash Preferred Credit Card$300 cash back after spending $1,000 in 3 months.
American Express Blue Cash Everyday Credit Card$200 cash back after spending $1,000 in 3 months.

Citi Credit Cards

CitiBusiness American Airlines Platinum Select Credit Card50,000 American Airlines Miles after spending $3,000 in 3 months plus an other 10,000 American Airlines Miles after spending $10,000 in 12 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 Card10,000 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

Barclays Arrival Plus Credit Card70,000 Arrival Miles after spending $5,000 in 3 months.
Banco Popular Avianca Vida Visa Card20,000 LifeMiles after your first purchase.
Banco Popular Avianca Vuela Visa Card40,000 LifeMiles 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.
US Bank FlexPerks Travel Rewards Visa Signature Credit Card25,000 FlexPoints after spending $2,000 in 4 months.
US Bank FlexPerks Business Travel Rewards Credit Card25,000 FlexPoints after spending $2,000 in 4 months.
Discover It Credit Card$50 cash back after your first purchase.
Discover It Miles Credit Card$50 cash back after your first purchase.
Wells Fargo Propel American Express Credit Card30,000 Wells Fargo GoFar Rewards Points after spending $3,000 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).
ABOC Platinum Rewards Credit Card$150 cash back after spending $1,500 in 3 months + 5x rewards in select categories.
HSBC Cash Rewards 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.
Fidelity Rewards Credit Card$100 cash back after spending $1,000 in 3 months + 2% cash back everywhere.
PenFed Power Cash Rewards Credit Card$100 cash back after spending $1,500 in 3 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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Reconsideration Strategy for Credit Card Annual Fees During Coronavirus Pandemic

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Good morning everyone.  After reading recent articles by Omar @ Travel Summary (It’s Time to Reduce Your Credit Card Annual Fees) and Doctor of Credit (Credit Card Annual Fee Due? Remember To Ask For A Retention Offer Before Cancelling), I decided to take a look at my credit cards, their annual fees, and whether or not they are worth keeping going forward.  I will share my strategy for organizing my credit cards and my recent call with US Bank regarding my US Bank Altitude Reserve Credit Card.

I opened up my master credit card spreadsheet and looked at all the credit cards, debit cards, and authorized user cards in the table (68 total cards).  I then removed all my debit cards and authorized user cards and was left with 42 credit cards in my name or Laura’s name.  I then removed all the no annual fee credit cards and was left with 25 credit cards that have annual fees.  The annual fees totaled $4,134.  If you are curious about why we pay so much in annual fees, read I Paid $4,588 in Credit Card Annual Fees in 2019 & Was it Worth it?  Here are the credit cards sorted by card name:

Credit Card Name AF Credit Card Name AF
AMEX Business Platinum $595 Chase Sapphire Reserve $450
AMEX Gold $250 Chase Southwest Airlines Priority (Laura) $149
AMEX Hilton Honors Aspire $450 Chase World of Hyatt (Laura) $95
AMEX Platinum Delta SkyMiles $195 Citi AT&T Access More 1 $95
Banco Popular Avianca Vuela $149 Citi AT&T Access More 2 $95
Bank of America Alaska Airlines (Laura) $75 Citi AT&T Access More 3 $95
Capital One Venture Rewards (Laura) $59 Citi Premier $95
Chase Hyatt Hotels $75 US Bank Altitude Reserve $400
Chase IHG Rewards Premier $89 US Bank Radisson Rewards Business $60
Chase IHG Rewards Select $49 US Bank Radisson Rewards Premier Visa Sig 1 $75
Chase Ink Plus $95 US Bank Radisson Rewards Premier Visa Sig 2 $75
Chase Marriott Bonvoy Boundless $95 Wells Fargo Propel World $175
Chase Marriott Bonvoy Premier Plus Business $99 Total Annual Fees $4,134

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Need to Cut Expenses? Use Trim to Save Money on Cable / TV / Internet / Phone Utility Bills

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Good morning everyone.  Last month, I wrote that Trim Saved Me Another $15 on my Comcast Xfinity Cable Bill.  Now that the coronavirus has rapidly spread across the country and around the world, I know a lot of people are trying to save money by cutting expenses.  I will have a post out later today about saving money with credit card annual fees, but for this post, I wanted to remind readers that Trim can save you money on cable, TV, internet, and phone bills.  Trim will reach out to your utility company on your behalf and negotiate a lower monthly cost or get you a 1 time courtesy credit (like the $15 credit I received from Xfinity last month).  In exchange for negotiating a lower rate, Trim takes a cut of the savings.  To learn more, read this post: Trim Saves Money on Monthly Cable / Phone / TV / Internet Bills (Negotiates Discounts on your Behalf).

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Work from Home Diary 4: Weekend Yard Work & Hallmark Movies

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Good morning everyone, I hope you had a good weekend.  I started sharing my thoughts regarding working from home in a series of Work from Home Diary posts.  Feel free to share your work from home feelings in the comments section below.  For today’s update, I wanted to share my weekend activities.  Before I continue, what does yard work and Hallmark movies have to do with miles and points?  That’s a great question, read on to find out.

On Saturday morning, Laura and I went to Lowe’s to get some cleaning supplies, trash bags, and Amazon GCs.  When we arrived, we saw a deal on colored bark (4 bags for $10) and purchased 8 bags.  We had ambitious plans to clean up our front and back yard and to put out a new layer of bark.  After several hours of work, our front and back yard looked great.  Even though our muscles were sore, using the Lowe’s AMEX Offer on my American Express Blue Business Plus Credit Card to get 10% cash back on the Lowe’s purchases was a nice relief.  The Lowe’s AMEX Offer is cumulative and pays 10% cash back, up to $100 cash back (so spending $1,000 will max out this offer).  This AMEX Offer expires on June 30, 2020, but I expect another Lowe’s AMEX Offer will show up after July 1.

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Dell Technologies 10% Cash Back AMEX Offer Stacks with Business Platinum $100 Dell Statement Credit

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Good morning everyone, I hope your weekend is off to a good start.  A few weeks ago, Doctor of Credit reported that there was a new AMEX Offer for Dell Technologies: 10% cash back up to $1,500 that expires on August 31, 2020.  I immediately looked for this AMEX Offer on my cards and found it on my American Express Business Platinum Card.  I didn’t have any immediate uses for any Dell products until last week.  Dell was participating in a St. Patrick’s Day promo and offering 10% cash back.  I decided to check out the site to see if there was anything on sale that I needed.

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Work from Home Diary 3: Upcoming Travel Plans (Cancel Now or Wait it Out?)

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Good afternoon everyone, happy Friday.  I started sharing my thoughts regarding working from home in a series of Work from Home Diary posts.  Feel free to share your work from home feelings in the comments section below.  For today’s update, I wanted to discuss upcoming travel plans and my plans for those trips.  As of today, I have 4 trips on the books.  These trips are not set in stone and could be cancelled by myself or the airlines before departure depending upon how things are going in the world.  We are taking things slowly and focusing on 1 day at a time.

Trip 1 – Mother’s Day Weekend

My next trip is in mid-May for Mother’s Day Weekend.  I was planning on flying down from San Francisco (SFO) to Orange County (SNA) to visit my parents and grandparents.  I have flown down for Mother’s Day weekend for the last few years and enjoy seeing my family.  This trip was booked with Citi Thank You Points for basic economy travel on Alaska Airlines.  If the situation in California remains the same (all Californias are told to stay home to prevent the spread of coronavirus), I will probably cancel my trip and hold onto travel funds for a future trip.

Mother’s Day dinner in St Kitts (2017)

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