Good morning everyone, happy Friday! I just got an email from Chase and I scrolled all the way to the bottom and saw a section called “Track where your card is stored.” I decided to look into this feature, which is called the Chase Saved Account Manager. It is actually pretty cool and helpful to see where your credit cards are stored online or in mobile wallets (like ApplePay and Google Pay). This could be a useful feature if your old credit card expires and you need to update the credit card information or if your credit card is lost or stolen – you will know exactly which websites and apps have your credit card number stored (from previous online or in-app purchases). Without further ado, let’s dive into the Chase Saved Account Manager feature.
Good afternoon everyone, I hope your week is going well. I don’t know about you, but 2020 was the year I earned a lot more transferrable points than I spent. I am hoping that in 2021, I will be able to spend a lot more points than I did in 2020. For this post, I looked at my 3 favorite transferrable points programs (American Express Membership Rewards Points, Chase Ultimate Rewards Points, and Citi ThankYou Points). I looked at my starting balances on January 1, the number of points I earned in 2020, miscellaneous point transfers in/out, the number of points I redeemed in 2020, and the ending balance on December 31 (I don’t have any plans on redeeming any points in the next few days). For a quick calculation, I earned 350K points across the 3 programs and spent a total of 211K points (most were with Chase’s Pay Yourself Back feature).
American Express Membership Rewards Points
- Starting Balance on Jan 1: 240K
- Points Earned in 2020: 201K
- Points Redeemed in 2020: 4K
- Ending Balance on Dec 31: 438K
With American Express, I earned 201K AMEX MRs with 3 cards (American Express Business Platinum Card, American Express Gold Card, and American Express Blue Business Plus Credit Card). The Biz Plat had many pandemic bonus categories like wireless phones, shipping charges, and Dell purchases. The Gold Card had bonus categories for restaurants and grocery stores, along with high referral bonuses. And the Blue Biz Plus offered 2x everywhere and was my go to card when I wasn’t working on meeting minimum spending requirements on new CCs. Across all 3 CCs, I received a total of 65K AMEX MRs from referral bonuses. To view your points summary, click here. To view your redemption history, click the View Redemption History link.
Good morning everyone, happy Friday! I’m sure most of you have seen the Experian Boost commercials on TV or online, but how many of you have actually checked to see if it would boost your Experian credit score? According to the Experian Boost small print, the average credit score increase is 13 points (which is not a lot), but it’s better than nothing. Speaking of nothing, some customers may not see any score increase at all (which is what happened to me). The last thing to keep in mind is that this will not improve your Equifax or TransUnion credit scores and some financial institutions may use a different FICO score or model. Your credit score will not increase 100 points with Experian Boost, so keep your expectations in check.
The entire process took about 10 minutes and involved logging into my Experian account and linking my financial institutions that I use to pay recurring bills (like Netflix, phone and utilities). After you link your financial accounts to Experian, Experian Boost will scan your accounts and recent statements to find recurring bills. Once they find recurring bills, you will be asked if you want to add those recurring bills to your credit report, which may or may not increase your credit score. In this post, I will walk you through all the steps. To get started, go to the Experian Boost page and sign in or create an account by clicking the Start Your Boost button.
Good afternoon everyone, I hope your Friday is going well. 4 months ago, I wrote How to Redeem Chase Ultimate Rewards Points via Pay Yourself Back (1.5 Cents Per Point for Restaurants, Grocery Stores & Home Improvement). In that post, I showed how to redeem Chase Ultimate Rewards Points for 1.5 cents per point (CPP) on your Chase Sapphire Reserve Credit Card toward qualifying purchases. Over the last few months, Chase recently added support for other Chase Ultimate Rewards earning credit cards like the Chase Freedom Flex Credit Card and Chase Ink Plus Credit Card.
The Chase Ink Plus is no longer available for new applications, but for existing cardholders, Chase targeted some cardholders with the ability to earn 5x points on qualifying shipping and advertising purchases from August 1 through October 31, up to $10,000 in qualifying purchases. You can see if you are targeted by navigating to the Featured Benefits section of the Chase Ultimate Rewards Portal. In today’s post, I will show you how to redeem eligible shipping purchases made on your Chase Ink Plus for 1.25 CPP with the Pay Yourself Back feature.
Buenos días everyone! I know it’s been a long time since you’ve heard from me – I’ve got a couple of things in the works, but for now, I thought I’d hop on to Grant’s Keep, Cancel, or Convert? Series with my thoughts on the Chase Sapphire Reserve Credit Card.
The CSR has had a spot in my wallet since it was first released, but over time, it’s been losing its luster for me as other cards have caught up with it. When Chase announced that the annual fee would be rising to $550, I knew its days in my wallet were numbered. Here’s why:
- I opened the JPMorgan Chase Ritz Carlton Credit Card right before Chase stopped offering the card to new applicants, which offers the same travel protections as the CSR and a better Priority Pass membership.
- Late last year, I opened a Chase Ink Business Preferred Credit Card, which earns 3x on travel and allows me to transfer my Chase Ultimate Rewards Points to airline and hotel partners.
- Earlier this year, I opened a Citi Premier Credit Card, which earns 3x Citi ThankYou Points on restaurants and most travel purchases.
- My Chase Freedom Credit Card and Chase Freedom Unlimited Credit Card now earn 3x Chase Ultimate Rewards Points at restaurants (though both cards have foreign transaction fees, so I won’t be using them in Mexico).