Category Archives: Credit Cards

Apply for a New Credit Card

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 Card42,000 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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Why I Love My Chase Sapphire Reserve

If you’ve been in the market for a new credit card, chances are you’ve stumbled across some information about the famed Chase Sapphire Reserve (CSR). In fact, this credit card has lately been catching a little more attention than usual due to a few changes in its benefit structure, but we’ll get to that a little later. 

I manage a collection of 30+ credit cards and they’re all beneficial to me in some way (otherwise there’s no point in keeping them) but I never leave home without my trusty CSR in tow. I’ve always liked the overall Chase awards structure, but that combined with the CSR earning potential and slew of benefits really bumps this card up to the next level. Here are some of the reasons why I love my Chase Sapphire Reserve.

The Earning Potential

The CSR functions as a basic 3X card for the categories that CSR is built for: travel and dining. Every other purchase will earn 1X points. Are there other credit cards that are better suited for earning points? Definitely. However, my largest purchases generally fall into the travel and dining categories anyway, and Chase is pretty lenient with their definitions of “travel” and “dining” purchases. 

For example, travel purchases include anything that could possibly fall under the umbrella of travel. This includes several different modes of transportation and accommodations including hotels, hostels, homestays, and Airbnbs.  Continue reading

5 Things You Should Know Before Getting the Chase Sapphire Reserve

The media has been abuzz since the Chase Sapphire Reserve was first announced in 2016, and with the recent annual fee increase, many people are wondering if this card is still the premium card it once was. If you haven’t yet taken the plunge, there are a few things that you might want to know before applying. Here’s a complete rundown of one of my favorite credit cards: the Chase Sapphire Reserve.

Yes, there’s an annual fee, but…

…it comes with a ton of perks, which I’ll talk about in detail later. In fact, the Chase Sapphire Reserve annual fee has been the talk of the town over the past few weeks because Chase just upped the annual fee from $450 to $550. Honestly, this change hasn’t been as catastrophic as some folks projected it to be; the extra hundred bucks is peanuts compared to the benefits and entitlements that Chase already had. Chase has added partner benefits to offset the bump, and they’ll be more useful for some people than others. Either way, if you take advantage of your card benefits, you’ll easily end up saving more than $550 per year.
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What’s in Grant’s (iPhone) Wallet?

Good morning everyone, I hope you had a great Super Bowl weekend.  I was down in Orange County enjoying the warm weather, but now I am back up in the chilly Bay Area.  I’ve been wanting to write about this topic for a while, but my final motivation was reading 2 Frequent Miler articles: What’s in Nick’s wallet? and What’s in Greg’s wallet?  The first thing you should know about me (if you already didn’t know) is that I am a millennial and I live in the Bay Area, so I can go weeks without using cash.  For that reason, my wallet is built into my iPhone XS case.  I use the Urban Armor Gear (UAG) iPhone Case ($30 on Amazon) that has room for 4 cards: my drivers license and 3 credit cards.  Which 3 credit cards do I carry with me on a daily basis and which credit cards do I have in my ApplePay Wallet?

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Where is the No Annual Fee Hyatt Credit Card?

Good afternoon everyone.  In the conclusion of my recent post, I stated that if I had to keep only 5 credit cards with annual fees, I would sadly have to close my hotel credit cards.  After I wrote that post, I decided that I would rather downgrade my hotel credit cards to no annual fee credit cards like the Marriott Bold or American Express Hilton.  I was curious if every hotel chain had a no annual fee credit card, so I decided to create this table showing the hotel brand, no annual fee credit card and the annual fee credit card.  Some hotel brands have several credit cards with different annual fees, so I chose to show credit cards with annual fees in the $75-$95 range.  A few things stood out to me… Hyatt was missing a no annual fee credit card.

Hotel Brand No Annual Fee Credit Card Annual Fee Credit Card
Choice Barclays Choice Privileges Visa Signature Credit Card N/A
Hilton American Express Hilton Honors Credit Card American Express Hilton Honors Surpass Credit Card ($95)
Hyatt N/A Chase World of Hyatt Credit Card ($95)
IHG Chase IHG Rewards Club Traveler Credit Card Chase IHG Rewards Club Premier Credit Card ($89)
Marriott Chase Marriott Bonvoy Bold Credit Card Chase Marriott Bonvoy Boundless Credit Card ($95)
Radisson US Bank Radisson Rewards Visa Credit Card US Bank Radisson Rewards Premier Visa Signature Credit Card ($75)
Wyndham Barclays Wyndham Rewards Visa Credit Card Barclays Wyndham Rewards Visa Credit Card ($75)

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If I Could Only Keep 5 Credit Cards with Annual Fees…

Good afternoon everyone, I hope your weekend is going well.  A few weeks ago, I wrote these 2 posts:

In those posts, I listed all the credit cards that Laura and I have.  I also justified why I paid $4,588 in credit card annual fees in 2019.  Since that post, there have been a few credit card changes (JPMorgan Chase Ritz Carlton Credit Card lost the Visa Infinite Discount Air Benefit and the Chase Sapphire Reserve Credit Card added Lyft and DoorDash benefits).  A few readers commented and other bloggers linked to the top post and shared which credit cards they keep every year.  As part of my 2020 travel resolutions, I said I wanted to reduce the amount I paid in credit card annual fees.  In this theoretical post, here are the 5 credit cards with annual fees that I would keep…

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