american express http://www.wisebread.com/taxonomy/term/12750/all en-US Get Paid for Paying Early with The Plum Card from American Express OPEN http://www.wisebread.com/get-paid-for-paying-early-with-the-plum-card-from-american-express-open <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/get-paid-for-paying-early-with-the-plum-card-from-american-express-open" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-618935990.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The <a href="http://ct.wisebread.com/click.php?pg=249&amp;pid=144&amp;pp=0&amp;uv=sname" target="_blank">Plum Card&reg; from American Express OPEN</a> is a unique business charge card that offers flexibility and options for the small business owner that isn't offered by other cards on the market. You can earn a 1.5% discount on your purchases when you pay early, or get up to 60 days to pay off your balance with no interest.&nbsp;</p> <h2>How This Card Works</h2> <p>This card is a charge card which means there&rsquo;s no preset spending limit and your balance usually must be paid in full each month. However, unlike other charge cards, this card includes the option to pay at least the minimum payment (10% of the balance from new activity plus any previously deferred balance) by the payment due date, to defer payment of the remainder of the balance until the new payment due date. This gives you up to 60 days from your statement date to pay your balance, which isn&rsquo;t an option you get with most other business credit cards. (See also: <a href="http://www.wisebread.com/when-you-should-get-a-business-credit-card-over-a-consumer-card?ref=review">Should You Get a Business Card or a Consumer Card?)</a></p> <p>You also earn a 1.5% discount on the portion of your balance that you pay within 10 days of receiving your bill. You do have to pay at least your minimum payment by your payment due date.&nbsp;(See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses?ref=review">Best Credit Cards for Small Businesses</a>)</p> <p>Terms apply.</p> <h2>Other Benefits</h2> <p><strong>ReceiptMatch</strong>. This card includes ReceiptMatch which allows you to keep track of your expenses and receipts. You can use your mobile device to take a photo of any receipt and then upload it and match it to the transaction on your online statement.</p> <p><strong>OPEN Savings</strong>. The Open Savings benefit gives you a 5% discount or two additional Membership Rewards points for each dollar you spend with OPEN Savings merchants.</p> <h2>Costs</h2> <ul> <li>$250 Annual Fee ($0 introductory annual fee your first year)</li> <li>No APR&nbsp;(balance is paid in full each month)</li> <li>No&nbsp;Foreign Transaction Fee<a href="https://www262.americanexpress.com/business-card-application/the-plum-card-business-charge-card/tandc/42732-9-0/?key=tncBody"><br /> </a></li> <p><a href="https://www262.americanexpress.com/business-card-application/the-plum-card-business-charge-card/tandc/42732-9-0/?key=tncBody">See rates and fees.</a></p> <p><a target="_blank" href="http://ct.wisebread.com/click.php?pg=249&amp;pid=144&amp;pp=0&amp;uv=sbutton2" rel="nofollow"><img width="154" height="50" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" alt="" class="img-exempt" /></a></p> <h2>Considerations</h2> <p><strong>No rewards program</strong>. Although you can earn a 1.5% discount on the portion of the balance you pay within 10 days of receiving your bill, there is no rewards program or additional bonuses for purchases. Other business credit cards may offer bonus rewards for office supply, telecommunications, travel, or even advertisement purchases. (See also: <a href="http://www.wisebread.com/best-credit-cards-for-office-supply-purchases?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=review">Best Credit Cards for Office Supplies</a>)</p> <p><strong>Charge card limitations</strong>. For some business owners, it can be difficult having to pay the entire balance in full each month, even with the special feature this card offers extending it to 60 days. If you rather have the option to carry your balance from month to month for a longer term, you should choose a standard business credit card instead.</p> <p><strong>Annual fee</strong>. After the first year, the annual fee to carry this card is $250, which can get expensive, especially considering how light it is on the rewards and business benefits. If you aren&rsquo;t able to earn enough through the OPEN Savings network or by paying your balance early each month for the 1.5% discount, you could find this card costly.&nbsp;</p> <h2>Who This Card Is Best For</h2> <p>Although it doesn&rsquo;t come with some of the features you get with other business cards, this card could still be worth carrying if you can pay your balance in full and pay at least your minimum monthly payment within 10 days of your statement closing date. Further, if you frequently shop abroad or through merchants that are part of the OPEN Savings network, you could find yourself saving and earning more with this card than others. However, if you need to have the option carry a balance from month to month or prefer a more significant rewards program and lower annual fee, you should consider one of the many other business credit cards that are available.</p> <p>Terms apply.</p> <p style="text-align: center;"><a href="http://ct.wisebread.com/click.php?pg=249&amp;pid=144&amp;pp=0&amp;uv=send"><strong>Click here to learn more and apply for the&nbsp;Plum Card&reg; from American Express OPEN today!</strong></a><a href="http://ct.wisebread.com/click.php?pg=249&amp;pid=144&amp;pp=0&amp;uv=send"><strong><br /> </strong></a></p> </ul> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/get-paid-for-paying-early-with-the-plum-card-from-american-express-open">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/hotel-rewards-for-business-owners-american-express-starwood-preferred-guest-business-credit-card">Hotel Rewards for Business Owners: American Express Starwood Preferred Guest Business Credit Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review">Cashing in at the Supermarket: Blue Cash Preferred Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/choose-your-business-rewards-american-express-simplycash-business-credit-card">Choose Your Business Rewards: SimplyCash Plus Business Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/love-travel-but-hate-airline-miles-try-amexs-blue-sky-preferred">Love Travel, But Hate Airline Miles? Try AmEx&#039;s Blue Sky Preferred</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards american express credit card reviews small business Sat, 11 Feb 2017 02:00:24 +0000 Christina Majaski 1860564 at http://www.wisebread.com More Award Nights with the Hilton Honors Surpass Card from American Express http://www.wisebread.com/more-award-nights-with-the-hilton-hhonors-surpass-card-from-american-express <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/more-award-nights-with-the-hilton-hhonors-surpass-card-from-american-express" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000023596931_Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>There are a few different credit cards you can choose from to maximize your spending and take advantage of extra perks and benefits when you stay at Hilton Portfolio properties. The <a href="http://ct.wisebread.com/click.php?pg=185&amp;pid=119&amp;pp=0&amp;uv=sname" target="_blank">Hilton Honors&trade; Surpass&reg; Card from American Express</a>, however, offers more points and more benefits than the others. If you frequently stay in Hilton hotels, this card may be the best card for saving money and getting the most out of your hotel stays. (See also: <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards?ref=review">Best Hotel Credit Cards</a>)</p> <h2>Why We Like This Card</h2> <ul> <li>Earn 75,000 bonus Hilton Honors points after meeting spending requirements</li> <li>12x points for Hilton Portfolio hotel stays</li> </ul> <h2>How This Card Works</h2> <p>This card awards 12X points for each dollar spent on Hilton Portfolio hotels or resorts, 6X points for each dollar spent at <a href="http://www.wisebread.com/the-5-best-credit-cards-for-dining-out?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=review">U.S. restaurants</a>, <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=review">U.S. supermarkets</a>, and <a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=review">U.S. gas stations</a>, and 3X points for each dollar spent on all other eligible purchases. Terms and limitations apply. The annual fee is $75.</p> <p><b>Bonus offer:</b>&nbsp;Earn 75,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months of Card Membership.&nbsp; (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-sign-up-bonuses-for-hotel-stays?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=review">5 Best Credit Cards with Sign-Up Bonuses for Hotel Stays</a>)</p> <p>You can redeem your points for award nights at Hilton Portfolio properties, with Category 1 properties available for as few as 5,000 points. Points can also be redeemed for room upgrades, merchandise in the Hilton Honors Shopping Mall, car rentals with various companies, or gift cards. Plus, you can redeem your points for miles with more than 60 airline frequent flyer programs. You can earn an unlimited number of points, which do not expire as long as you earn or redeem points every 12 months. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=review">Best Cards for Transferring Hotel Points to Miles</a>)</p> <h2>Other Benefits</h2> <p><strong>Complimentary Hilton Honors Gold status</strong>. Gold status with Hilton Honors typically requires 20 stays or 40 nights within a calendar year, but as a cardholder, you receive Gold status free. This status includes perks like a 25% points bonus, room upgrades, and in-room high-speed Wi-Fi. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-with-free-hotel-status-upgrades?ref=review">Best Cards with Free Hotel Status Upgrades</a>)</p> <p><strong>Get Diamond status faster</strong>. If you spend $40,000 in purchases with your card within a calendar year, you get Honors Diamond status through the end of the next calendar year. Diamond status is the highest Hilton Honors tier and includes extra benefits such as a 50% bonus on Honors base points when you stay at Hilton properties, room upgrades, and executive floor lounge access.</p> <p><strong>Priority Pass</strong>. Cardmembers get access to over 1,000 airport lounges with Priority Pass membership. Lounge visits with this membership are subject to a fee of U.S. $27 per person per visit. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access?ref=review">Best Credit Cards with Free Airport Lounge Access</a>)</p> <p><strong>Online booking bonus</strong>. You can also get a bonus of 500 Honors points for each stay at properties in the Hilton Portfolio when you use your card to book the reservation online and use your card to pay for your stay.</p> <p><strong>Travel benefits</strong>. This card includes the travel benefits that American Express and Hilton cards are known for, such as the baggage insurance plan which protects you in case your baggage is lost, damaged, or stolen. Other travel benefits include roadside assistance and Global Assist hotlines, and travel accident insurance.</p> <p>Terms Apply. <a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/hilton-hhonors-surpass-credit-card/26129-10-0/?print#FeeTable">See rates and fees.</a></p> <script src="//widgets.bankratecreditcards.com/javascript/widget.js?type=38&lid=26377794"></script><p><a target="_blank" href="http://ct.wisebread.com/click.php?pg=185&amp;pid=119&amp;pp=0&amp;uv=sbutton2" rel="nofollow"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" alt="" class="img-exempt" width="154" height="50" /></a></p> <h2>Considerations</h2> <p><strong>Annual fee</strong>. Although there are many benefits and perks you can take advantage of that might help cover the annual fee, if you aren&rsquo;t able to use the card enough to earn the rewards, it can become costly. (See also: <a href="http://www.wisebread.com/5-credit-cards-with-the-annual-fee-waived-the-first-year?ref=review">5 Credit Cards with the Annual Fee Waived the First Year</a>)</p> <p><strong>Foreign transaction fee</strong>. If you frequently travel abroad, the foreign transaction fee will become expensive and cancel out some of the rewards you earn with the card. Credit cards without foreign transaction fees are better cards for making foreign purchases. (See also: <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=review">Best Travel Cards without Foreign Transaction Fees</a>)</p> <h2>Who This Card Is Best For</h2> <p>This card is best for those who frequently travel and can take advantage of the extra benefits and earning opportunities you get as a cardmember. If you use the card enough to earn the points needed for award nights and can earn the bonus, you&rsquo;ll find the annual fee worth paying. This card is also best if your purchases are primarily domestic because of the foreign transaction fee.<strong><br /> </strong></p> <p style="text-align: center;"><strong><a href="http://ct.wisebread.com/click.php?pg=185&amp;pid=119&amp;pp=0&amp;uv=send">Click here to learn more and apply for the Hilton Honors&trade; Surpass&reg; Card from American Express today!</a></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/more-award-nights-with-the-hilton-hhonors-surpass-card-from-american-express">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/more-rewarding-hotel-stays-hilton-hhonors-card-from-american-express">More Rewarding Hotel Stays: Hilton Honors Card from American Express</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review">Cashing in at the Supermarket: Blue Cash Preferred Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-paid-for-paying-early-with-the-plum-card-from-american-express-open">Get Paid for Paying Early with The Plum Card from American Express OPEN</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/love-travel-but-hate-airline-miles-try-amexs-blue-sky-preferred">Love Travel, But Hate Airline Miles? Try AmEx&#039;s Blue Sky Preferred</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards american express credit card reviews Hilton honors Wed, 11 May 2016 21:45:02 +0000 Christina Majaski 1690248 at http://www.wisebread.com More Rewarding Hotel Stays: Hilton Honors Card from American Express http://www.wisebread.com/more-rewarding-hotel-stays-hilton-hhonors-card-from-american-express <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/more-rewarding-hotel-stays-hilton-hhonors-card-from-american-express" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000088849693.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em><strong>Editor's Note: This offer is currently unavailable.</strong></em></p> <p>Hilton hotel properties cover various brands including Waldorf Astoria, Conrad, DoubleTree, Embassy Suites, and many others in addition to Hilton Hotels &amp; Resorts. The Hilton Honors&trade; Card from American Express is a great choice for loyal Hilton patrons. (See also: <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards?ref=review">5 Best Credit Cards for Hotel Deals and Rewards</a>)</p> <h2>Why We Like This Card:</h2> <ul> <li>Limited Time Offer: Earn 50,000 bonus points after meeting spending requirements</li> <li>Earn seven points for each dollar spent at Hilton properties</li> </ul> <h2>How This Card Works</h2> <p>This card awards 7X Hilton Honors points for each dollar you spend on participating Hilton Portfolio hotels or resorts. You can also earn 5X points for each dollar spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. All other purchases earn 3X points for each dollar spent. There is no annual fee. <a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/hilton-hhonors-credit-card/26129-10-0/?print#FeeTable">See rates and fees.</a></p> <p><strong>Limited time offer</strong>: Earn 50,000 bonus points after you spend $1,000 on purchases with the card within the first 3 months of card membership. Plus, earn an additional 25,000 bonus points after you make an additional $1,000 in purchases with your new card within your first 6 months. Offer expires on 10/4/2017.</p> <p>You can redeem your points for award nights at over 4,500 Hilton hotels and resorts worldwide. You can also redeem points for room upgrades, merchandise in the Hilton Honors Shopping Mall, or for car rentals. There are also opportunities to redeem points for gift cards. Additionally, the Hilton Honors program allows you to transfer points to miles with over 60 airline loyalty programs. You can earn an unlimited number of points, which do not expire as long as you earn or redeem points every 12 months.</p> <p>Terms apply.</p> <h2>Other Benefits</h2> <p><strong>Complimentary Silver Status</strong>. The Hilton Honors program includes elite statuses starting with Blue, and up to Silver, Gold, and Diamond. Each status usually requires a set amount of hotel stays or nights and with each level includes additional hotel perks. As a cardmember, you automatically receive Silver status, the level a step up from beginning tier. Silver status usually requires four stays or 10 nights within a calendar year and includes extra benefits such as a 15% points bonus, free fifth night on standard room stays of five nights or more, and complimentary access to hotel fitness and health clubs. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-with-free-hotel-status-upgrades?ref=review">Best Credit Cards that Offer Free Hotel Status Upgrades</a>)</p> <p><strong>Reach Gold status faster</strong>. If you spend $20,000 with your card within a calendar year, you earn Gold status, which includes a 25% points bonus, room upgrades, and in-room high speed Wi-Fi. For non-cardholders, Gold status usually requires 20 stays or 40 nights within a calendar year.</p> <p><strong>Reserve A Room bonus</strong>. If you use your card to book your reservation online and pay for the hotel stay with your card, you receive a bonus of 500 Honors points.</p> <p><strong>Travel benefits</strong>. This card includes various travel benefits such as its Baggage Insurance Plan, which covers lost, damaged, or stolen baggage when you have used your card to purchase the entire fare. It also includes the Roadside Assistance Hotline, car rental loss and damage insurance, and travel accident insurance coverage for accidental death and dismemberment for you and your family on Common Carrier fares charged to your card.</p> <h2>Considerations</h2> <p><strong>Foreign transaction fee</strong>. If you frequently travel outside of the U.S., the fee is going to affect the value of the rewards earned from the card. (See also: <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=review">5 Best Credit Cards with No Foreign Transaction Fees</a>)</p> <p><strong>Value of points limited.</strong>&nbsp;As this is a Hilton co-branded credit card, it's not surprising that you would get the most value by redeeming the points for hotel stays. However, redeeming for other things, like gift cards or transfering points to airline programs, are at a much lower value. Typically a cash rewards credit card will offer at least 1% cash back on all purchases, which means you get a $0.01 rewards value for each dollar spent. If you don't think you will be able to use all your points for Hilton stays, a different <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=review">travel rewards credit card</a>, would be a better option. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-hotels?ref=review">Best Credit Cards that Transfer Points to Hotels</a>)</p> <p>See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-sign-up-bonuses-for-hotel-stays?ref=review">5 Best Credit Cards with Sign-Up Bonuses for Hotel Stays</a></p> <h2>Who This Card Is Best For</h2> <p>This card is best for Hilton property fans who will frequently use the card for not only Hilton stays, but for restaurants, gas stations, and supermarkets, in order to rack up the points necessary for free nights. It is also best for those who do not frequently travel outside of the United States. Additionally, if you spend at least $20,000 per year with the card, Gold status includes a number of valuable benefits that aren&rsquo;t often included with no-annual fee hotel rewards credit cards.</p> <p>Terms apply. <strong><br /> </strong></p> <!--<p style="text-align: center;"><a href="http://ct.wisebread.com/click.php?pg=180&amp;pid=10&amp;pp=0&amp;uv=send" target="_blank"><strong>Click here to learn more and apply for the Hilton Honors&trade; Card from American Express card today!</strong></a></p><p style="text-align: center;"><img alt="" src="http://www.imgsynergy.com/191x120/hilton-hhonors-card-from-american-express-102015.png" class="img-exempt" border="0" /><br /> <a href="http://ct.wisebread.com/click.php?pg=180&amp;pid=10&amp;pp=0&amp;uv=sbutton1" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt" alt="" /></a></p>--><!--<p style="text-align: center;"><a href="http://ct.wisebread.com/click.php?pg=180&amp;pid=10&amp;pp=0&amp;uv=send" target="_blank"><strong>Click here to learn more and apply for the Hilton Honors&trade; Card from American Express card today!</strong></a></p><p style="text-align: center;"><img alt="" src="http://www.imgsynergy.com/191x120/hilton-hhonors-card-from-american-express-102015.png" class="img-exempt" border="0" /><br /> <a href="http://ct.wisebread.com/click.php?pg=180&amp;pid=10&amp;pp=0&amp;uv=sbutton1" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt" alt="" /></a></p>--><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/more-rewarding-hotel-stays-hilton-hhonors-card-from-american-express">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/more-award-nights-with-the-hilton-hhonors-surpass-card-from-american-express">More Award Nights with the Hilton Honors Surpass Card from American Express</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review">Cashing in at the Supermarket: Blue Cash Preferred Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-paid-for-paying-early-with-the-plum-card-from-american-express-open">Get Paid for Paying Early with The Plum Card from American Express OPEN</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/love-travel-but-hate-airline-miles-try-amexs-blue-sky-preferred">Love Travel, But Hate Airline Miles? Try AmEx&#039;s Blue Sky Preferred</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards american express credit card reviews Hilton honors Wed, 11 May 2016 20:44:29 +0000 Christina Majaski 1689002 at http://www.wisebread.com Choose Your Business Rewards: SimplyCash Plus Business Credit Card from American Express http://www.wisebread.com/choose-your-business-rewards-american-express-simplycash-business-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/choose-your-business-rewards-american-express-simplycash-business-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000064391163_Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="144" /></a> </div> </div> </div> <p>The <a href="http://ct.wisebread.com/click.php?pg=156&amp;pid=13&amp;pp=0&amp;uv=sname1" target="_blank">SimplyCash&reg; Plus Business Credit Card from American Express</a> stands out among other business credit cards with its unique rewards program that not only awards relevant categories such as office supplies, but also allows you to select from a handful of categories where you earn 3% cash back, allowing you to earn rewards on the things you spend on most.</p> <p>If the majority of your business expenses fall into the office supply, wireless telephone services, and any of the category options you can choose from, this card can be a significant benefit to your business. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses?ref=review">5 Best Credit Cards for Small Businesses</a>)</p> <h2>Why We Like This Card</h2> <ul> <li>Welcome Offer: Up to $400 statement credit after meeting spending requirements</li> <li>5% cash back on purchases at U.S. office supply stores (terms apply)</li> </ul> <h2>How This Card Works</h2> <p>Get 5% cash back on purchases made at U.S. office supply stores and wireless telephone services purchased directly from U.S. service providers. You also earn 3% cash back in a category you choose from a list of eight, including airfare, hotel rooms, car rentals, gas, restaurants, advertising in select media, and shipping. All other purchases get 1% cash back. (See also: <a href="http://www.wisebread.com/best-credit-cards-for-office-supply-purchases?ref=review">5 Best Credit Cards for Office Supply Purchases</a>)</p> <p><strong>Special offer</strong>: Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.&nbsp; (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=review">5 Best Credit Cards That Offer Bonus Cash for Sign-Up</a>)</p> <p>You must select your 3% category within the first two months of opening the account, and can change the category once during the annual selection period each year. If you don&rsquo;t select a category, you will earn 3% cash back on purchases at U.S. gas stations. The 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. You can earn unlimited cash back in the 1% category. Cash back received is automatically credited to your statement.</p> <p>Terms apply.</p> <h2>Other Benefits</h2> <p><strong>Employee cards</strong>. Add employee cards and preset limits so your employees can make business purchases on your behalf to earn cash back at the same time.</p> <p><strong>ReceiptMatch</strong>. Allows you to take photos of receipts with your mobile phone, and then label, tag, and store them for more efficient and organized account management.</p> <p><strong>OPEN Savings</strong>. Includes access to OPEN Savings, which provides additional savings on purchases or opportunities to earn Membership Rewards points when you shop online. Retailers that are part of OPEN Savings include Hyatt Hotels, HP, FedEx, and others.</p> <p><strong>OPEN Forum</strong>. OPEN Forum is helpful especially if your business is new. The forum includes tips and tools for managing your business and provides access to experts and other business owners who can answer questions and give advice.</p> <p><strong>Travel benefits</strong>. Includes travel benefits such as baggage insurance for lost or stolen baggage, car rental loss and damage insurance, travel accident insurance, and many others.</p> <p><strong>Extended warranty and purchase protection</strong>. Extended warranty extends the manufacturer&rsquo;s warranty (up to one year) and purchase protection covers purchases made with the card in the event they are damaged or stolen.</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>13.24% - 20.24% variable APR (0% intro APR on purchases for 9 months)</li> <li>No Balance Transfer Option</li> <li>2.7% Foreign Transaction Fee</li> <p><a href="https://www262.americanexpress.com/business-card-application/simplycashplus-business-credit-card/tandc/44765-AJTnC-0/?pznOfferCode=&amp;rsvpFlag=&amp;rc=&amp;zc=&amp;ch=&amp;key=tncBody#Off">See rates and fees.</a></p> <p><a target="_blank" href=" http://ct.wisebread.com/click.php?pg=156&amp;pid=13&amp;pp=0&amp;uv=sbutton2" rel="nofollow"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" alt="" class="img-exempt" height="50" width="154" /></a></p> <h2>Considerations</h2> <p><strong>Choosing a 3% category can be a hassle</strong>. Although choosing the category is convenient if you know where you&rsquo;ll spend the most, it can also become a hassle if your spending varies and changes more than once per year. Furthermore, if you forget to select a category, you could be stuck with the gas category, which might not be one you frequently use. If your spending varies from month to month and doesn&rsquo;t rely heavily on office supply stores or wireless services, you might earn more cash back with a business card that just awards a flat rate. (See also: <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=review">5 Best Cash Back Credit Cards</a>)</p> <p><strong>Rebate limit</strong>. The maximum limit of $50,000 in purchases may be sufficient for many small businesses, but if you spend significantly more than that per year on office supplies and wireless services, you might want to consider a card without any limitations.&nbsp;</p> <p><strong>Foreign transaction fee</strong>. This card is not the best card for foreign purchases because of the 2.7% foreign transaction fee, which incidentally, nearly cancels out the 3% cash back category. Plus, the bonus cash back categories, except for airfare, hotel rooms, and car rentals, all must be with U.S. retailers to qualify. At the very least, if the majority of your purchases are outside the U.S., you should consider a card without a foreign transaction fee. (See also: <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=review">5 Best Credit Cards with No Foreign Transaction Fees</a>)</p> <h2>Who This Card Is Best For</h2> <p>This card is best for business owners whose spending is primarily domestic and falls into the office supply and wireless services categories, as well as one of the categories you can choose from. Although the limitations are set pretty high, it&rsquo;s important that you calculate whether the $50,000 cap might affect your earning potential. It is also a great card for both business and travel benefits, and if you need to make a big purchase right away, you can pay it down without any interest for 9 months.</p> <p>Terms apply.</p> <p style="text-align: center;"><a href="http://ct.wisebread.com/click.php?pg=156&amp;pid=13&amp;pp=0&amp;uv=send" target="_blank"><strong>Click here to learn more and apply for the&nbsp;SimplyCash&reg; Plus Business Credit Card from American Express today!</strong></a></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Choose%20Your%20Business%20Rewards-%20SimplyCash%20Plus%20Business%20Credit%20Card%20from%20American%20Express.jpg" alt="Choose Your Business Rewards: SimplyCash Plus Business Credit Card from American Express" height="374" width="250" /></p> </ul> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/choose-your-business-rewards-american-express-simplycash-business-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review">Cashing in at the Supermarket: Blue Cash Preferred Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/more-award-nights-with-the-hilton-hhonors-surpass-card-from-american-express">More Award Nights with the Hilton Honors Surpass Card from American Express</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-paid-for-paying-early-with-the-plum-card-from-american-express-open">Get Paid for Paying Early with The Plum Card from American Express OPEN</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/love-travel-but-hate-airline-miles-try-amexs-blue-sky-preferred">Love Travel, But Hate Airline Miles? Try AmEx&#039;s Blue Sky Preferred</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards american express business cards credit card reviews Wed, 23 Mar 2016 20:25:07 +0000 Christina Majaski 1666102 at http://www.wisebread.com Hotel Rewards for Business Owners: American Express Starwood Preferred Guest Business Credit Card http://www.wisebread.com/hotel-rewards-for-business-owners-american-express-starwood-preferred-guest-business-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/hotel-rewards-for-business-owners-american-express-starwood-preferred-guest-business-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000022749147.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Like the consumer version, the <a href="http://ct.wisebread.com/click.php?pg=148&amp;pid=15&amp;pp=0&amp;uv=sname" target="_blank">Starwood Preferred Guest&reg; Business Credit Card</a> provides the rewards program that American Express and SPG are well-known for, along with some great hotel perks for more comfortable stays. If you are a small business owner and fan of Starwood Preferred properties, this card can become a valuable tool for your business. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses?ref=review">The 5 Best Credit Cards for Small Businesses</a>)</p> <h2>How This Card Works</h2> <p>Earn up to five Starpoints for each dollar spent at Starwood hotels, standalone Starwood retail establishments, and online Starwood stores owned by Starwood Hotels &amp; Resorts Worldwide, Inc. and its affiliates, depending on your SPG membership level. For example, you earn at least four points for Starwood purchases -- two points from American Express and two from SPG, but if you are a Gold or Platinum Starwood Preferred Guest, you earn three points from SPG rather than two, totaling five points. You earn two points per dollar spent at Marriott Rewards hotels. All other purchases earn one point for each dollar spent.&nbsp;</p> <p><strong>Limited Time Offer</strong>: Earn 25,000 bonus Starpoints&reg; after you use your new card to make $6,000 in purchases within the first 3 months. Earn an extra 10,000 bonus Starpoints&reg; after you make an additional $4,000 in purchases on the Card within the first 6 months. Offer ends 11/1/2017. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-sign-up-bonuses-for-hotel-stays?ref=review">5 Best Credit Cards with Sign-Up Bonuses for Hotel Stays</a>)</p> <p>Redeem your points for award nights at Starwood properties. You can also transfer points to over 30 airline programs such as Delta Airlines, Southwest Airlines, and Japan Airlines, often at a ratio of 1:1.&nbsp;(See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles?ref=review">5 Best Credit Cards that Transfer Points to Airline Miles</a>)</p> <p>In addition, for every 20,000 points you transfer to an airline program, you'll receive a bonus of 5,000 points. You can also redeem points for room upgrades, and there are various opportunities to redeem points for car rentals and special events. (See also: <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards?ref=review">The Best Credit Cards for Hotel Deals and Rewards</a>)</p> <p>Terms apply.</p> <h2>Other Benefits</h2> <p><strong>Free in-room internet</strong>. One of the newest features of this card is its free in-room Internet access. You'll also receive complimentary unlimited access to Boingo Wi-Fi for up to four devices at over 1,000,000 Boingo hotspots worldwide. Enrollment required.</p> <p><strong>Complimentary access to Sheraton Club lounge</strong>. As a cardmember, you and a guest staying in the same room will receive access to Sheraton Club lounges for the duration of your stay. Sheraton Club lounges include perks such as personalized service, complimentary breakfast, all-day snacks and beverages, and free Wi-Fi. For non-cardholders, these perks usually require an upgrade fee or SPG Platinum status.</p> <p><strong>SPG Elite status</strong>. The SPG program includes Elite statuses starting with Preferred Guest and then leading to Gold Preferred Guest, Platinum Preferred Guest, and the newest level, SPG Pro. Each level requires a certain number of nights or stays and provides additional hotel perks. The Preferred Guest level is the default level, but it includes benefits such as in-room Internet and as much as a 30% discount at over 1,000 restaurants and bars in Starwood hotels. As a cardmember, you earn credit for five nights and two stays toward SPG elite status each year.</p> <p><strong>Reach Gold status faster</strong>. If you make $30,000 in purchases with your card during a calendar year, you'll earn Gold Preferred Guest status, which usually requires 10 stays or 25 nights per year. Gold status includes benefits such as late checkout, upgrades at check-in, and your choice of welcome gifts, which can be bonus points, premium in-room internet, or beverages.</p> <p><strong>OPEN Savings</strong>. This card includes access to its OPEN Savings network of business retailers offering special discounts. You can also earn additional points when you shop online through OPEN Savings with retailers such as FedEx and HP.</p> <p><strong>Extended warranty</strong>. The purchases you make with your card are eligible for extended warranty which extends original manufacturer's warranties that are one to five years, for up to one additional year.&nbsp;</p> <p><strong>Purchase Protection</strong>. Purchases on the card are also protected up to 90 days against theft and damage.&nbsp;</p> <p><strong>ReceiptMatch</strong>. Take photos of your receipts with a smart phone and then label and save them for record keeping. You can also sync your card account with QuickBooks to make managing and organizing your spending easier at tax time.</p> <h2>Costs</h2> <ul> <li>$95 Annual Fee (waived for the first year)</li> <li>16.24% - 20.24% Variable APR</li> <li>No Balance Transfer Option</li> <li>0% Foreign Transaction Fee</li> </ul> <p><a href="https://www262.americanexpress.com/business-card-application/starwood-preferred-guest-business-credit-card/tandc/42732-AJTnC-0/?pznOfferCode=&amp;key=tncBody">See rates and fees.</a></p> <p><a target="_blank" href="http://ct.wisebread.com/click.php?pg=148&amp;pid=15&amp;pp=0&amp;uv=sbutton2" rel="nofollow"><img width="154" height="50" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" alt="" class="img-exempt" /></a></p> <h2>Considerations</h2> <p><strong>Annual fee</strong>. Although you won't pay it for the first year, many cardholders won't be able to justify the annual fee of $95 in the years after. It is crucial that you examine your business spending and how frequently you stay in SPG Hotels to determine if you will earn enough points and take advantage of enough of the benefits for the annual fee to be worth paying. There are business cards that offer rewards on purchases without charging an annual fee. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-with-no-annual-fees?ref=review">The 5 Best Credit Cards with No Annual Fees</a>)</p> <h2>Who This Card Is Best For</h2> <p>Because of the many hotel and business benefits, the Starwood Preferred Guest Business Credit Card from American Express is ideal for small business owners who frequently travel and stay in Starwood Preferred Guest Hotels, or for those who only stay in SPG Hotels occasionally but can transfer points to airline miles. It is also best for those who spend and earn enough to cover the annual fee after the first free year. Those looking to get the most out of the card should spend at least $30,000 per year with the card to reach the extra benefits of elite statuses.</p> <p>Terms apply.<strong><br /> </strong></p> <p style="text-align: center;"><a href="http://ct.wisebread.com/click.php?pg=148&amp;pid=15&amp;pp=0&amp;uv=send" target="_blank"><strong>Click here to learn more and apply for the&nbsp;Starwood Preferred Guest&reg; Business Credit Card today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/hotel-rewards-for-business-owners-american-express-starwood-preferred-guest-business-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-cash-back-for-everyday-purchases-with-the-american-express-blue-cash-everyday-card">Get Cash Back for Everyday Purchases with the Blue Cash Everyday Card from American Express</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/amex-everyday-credit-card-review-tina-fey-says-yes">Amex EveryDay Credit Card Review: Tina Fey Says Yes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review">Cashing in at the Supermarket: Blue Cash Preferred Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/more-award-nights-with-the-hilton-hhonors-surpass-card-from-american-express">More Award Nights with the Hilton Honors Surpass Card from American Express</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards american express amex business credit card credit card reviews Starwood Preferred Guest Thu, 28 Jan 2016 18:50:07 +0000 Christina Majaski 1642719 at http://www.wisebread.com Platinum Delta SkyMiles® Credit Card from American Express Review http://www.wisebread.com/american-express-platinum-delta-skymiles-credit-card-review <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/american-express-platinum-delta-skymiles-credit-card-review" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000042395590.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The <a href="http://www.wisebread.com">Platinum Delta SkyMiles&reg; Credit Card from American Express</a> provides various noteworthy travel benefits, plus opportunities to earn Medallion Qualification Miles and travel miles when you use it for purchases. If you are a Delta Airlines fan, this is a great choice. (See also: <a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value?ref=review">Which Delta SkyMiles Credit Card Should I Get?</a>)</p> <h2>Why We Like This Card</h2> <ul> <li>$100 statement credit bonus offer (expires 11/8/17)</li> <li>Annual round-trip companion certificate</li> </ul> <h2>How This Card Works</h2> <p>Earn two miles for each dollar spent on purchases made directly with Delta, and one mile for each dollar spent on other eligible purchases. Earn miles without any caps, and miles do not expire.&nbsp;</p> <p><strong>Limited Time Offer</strong>: Earn 70,000 bonus miles and 10,000 Medallion&reg; Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card within your first 3 months.In addition, earn a $100 statement credit after you make a Delta purchase with your new card within your first 3 months. Offer expires on 11/8/2017.</p> <p>Redeem miles for award flights on Delta or its airline partners, or use them for upgrades, merchandise, or donations to charities.</p> <p>Terms apply.</p> <h2>Other Benefits</h2> <p><strong>Priority boarding</strong>. Get Zone 1 priority boarding.</p> <p><strong>Free checked bag.</strong> Get your first bag checked free on every Delta flight.</p> <p><strong>Discounted Delta Sky Club access</strong>. When you fly Delta, you and two companions can access Delta Sky Club for a reduced fee of $29 per person. Sky Club provides perks such as Wi-Fi access, satellite TV, personalized flight assistance, and private restrooms.</p> <p><strong>In-flight discount.</strong> Receive a 20% discount on food, beverages, movies, and other in-flight purchases, when you use your card for the purchase. The savings appears as a credit on your statement.</p> <p><strong>Travel benefits.</strong> Includes various travel benefits such as a roadside assistance hotline, car rental loss and damage insurance, travel accident insurance, baggage insurance plan, and a global assist hotline.</p> <h2>Costs</h2> <ul> <li>$195 Annual Fee</li> <li>16.74%-25.74% Variable APR</li> <li>3% Balance Transfer Fee ($5 minimum)</li> <li>$0 Foreign Transaction Fee</li> </ul> <p><a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/platinum-delta-skymiles-credit-card/26129-10-0/?print#FeeTable">See rates and fees.</a></p> <p><a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=212&amp;pid=126&amp;pp=0&amp;uv=sbutton2"><img alt="" class="img-exempt" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" width="154" height="50" /></a></p> <h2>Pros</h2> <p><strong>Annual bonuses.</strong> Each year you renew your card, you automatically receive a round-trip domestic companion certificate. Plus, if you spend more than $25,000 with the card within a calendar year, you receive a bonus of 10,000 miles which is nearly enough for a one-way domestic Saver flight by itself.</p> <p><strong>Travel benefits. </strong>Includes a wide range of travel benefits that can not only make traveling more comfortable, but can also be quite valuable. In addition to free checked bags (for up to 8 companions) which can be worth as much as $50 per person on a round-trip Delta flight, and the 20% discount you receive on in-flight purchases, you also receive a discount on Sky Club lounge access. Passes to Delta's airport lounges, without the discount, usually cost about $50 per person for one day passes, but with the discount are only $29 per person. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access?ref=review">Credit Cards that Offer Free Airport Lounge Access</a>)</p> <p><strong>No foreign transaction fee.</strong> One of the greatest advantages for travelers is there is no foreign transaction fee, which can save you as much as 3% when you travel abroad. It is important, in order to maximize the value of the rewards program, that you aren't paying anything additional just to use your card for foreign purchases. (See also: <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=review">Best Credit Cards with Zero Foreign Fees</a>)</p> <h2>Who This Card Is Best For</h2> <p>The Platinum Delta SkyMiles Credit Card is best for those who frequently travel with Delta Airlines and spend at least 25,000 per year to take advantage of the annual bonuses which help cover the annual fee.</p> <p>Terms apply.<em><br /> </em></p> <p style="text-align: center;"><a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=212&amp;pid=126&amp;pp=0&amp;uv=send"><strong>Click here to learn more and apply for the Platinum Delta SkyMiles&reg; Credit Card from American Express today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/american-express-platinum-delta-skymiles-credit-card-review">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/delta-skymiles-reserve-credit-card-from-american-express-review">Delta Reserve Credit Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value">Which Delta SkyMiles Credit Card Has the Best Value?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/us-bank-flexperks-gold-american-express-credit-card">U.S. Bank FlexPerks Gold American Express Credit Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/priority-treatment-gold-delta-skymiles-credit-card-from-american-express">Priority Treatment: Gold Delta SkyMiles Credit Card from American Express</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel american express credit card reviews Delta Fri, 16 Oct 2015 04:43:07 +0000 Christina Majaski 1546663 at http://www.wisebread.com Delta Reserve Credit Card from American Express Review http://www.wisebread.com/delta-skymiles-reserve-credit-card-from-american-express-review <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/delta-skymiles-reserve-credit-card-from-american-express-review" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000015203352.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The Delta Reserve Credit Card is considered an&nbsp;<a href="http://www.wisebread.com/the-5-best-premium-credit-cards ?ref=review">elite credit card</a>, offering strong rewards and is loaded with travel benefits, in exchange for a high annual fee. If you are a jetsetter frequently traveling with Delta, you might want to consider the perks and benefits of carrying the Delta Reserve Credit Card. (See also: <a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value ?ref=review">Which Delta SkyMiles Credit Card Should I Get?</a><span style="font-size: 13px;">)</span></p> <h2>Why We Like This Card</h2> <ul> <li>Round-trip companion certificate each year</li> <li>Access to Delta Sky Club airport lounges</li> </ul> <h2>How This Card Works</h2> <p>Earn two miles for every dollar spent on purchases made directly with Delta, and one mile for every dollar spent on other eligible purchases. Redeem miles for award flights with Delta Airlines or its partner airlines, or use them for seat upgrades, merchandise, and charitable donations. Earn an unlimited number of miles which do not expire. Cardholders also earn an annual companion certificate good for a domestic main cabin or first class ticket. Terms apply.</p> <p><strong>Bonus offer: </strong>10,000 MQMs and 40,000 bonus miles after you spend $3,000 in purchases within your first 3 months of account opening.</p> <h2>Other Benefits</h2> <p><strong>Delta Sky Club access.</strong> Delta Sky Club provides amenities such as Wi-Fi access, private restrooms, and snacks and beverages for more comfortable waits at the airport. Cardmembers receive complimentary access, plus get a discounted rate for up to two guests. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access?ref=review ">Best Credit Cards that Offer Free Airport Lounge Access</a>)</p> <p><strong>Annual bonus. </strong>Spend $30,000 in a year and earn a bonus of 15,000 MQMs and 15,000 miles. If you spend $60,000 in a year, you&rsquo;ll earn an additional 15,000 MQMs and 15,000 miles. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-with-airline-companion-tickets-and-3-bad-ones?ref=review">Best Cards Offering Airline Companion Tickets</a>)</p> <p><strong>Concierge service. </strong>Includes concierge service for day or night assistance with arrangements such as making restaurant reservations, organizing upcoming special events, and purchasing gifts.</p> <p><strong>Baggage insurance</strong>. Get coverage if your baggage is lost, damaged, or stolen, on a trip where the ticket for a Common Carrier is purchased with your card.</p> <p><strong>Free checked bag.</strong> First bag is free on Delta flights, for up to 8 companions, which can be worth up to $50 on a round-trip flight for each person.</p> <p><strong>Priority Travel and Boarding.</strong> Go through the Sky Priority lanes and get Zone 1 Priority Boarding.</p> <p><strong>Discount on in-flight purchases. </strong>Receive a discount of 20% on in-flight purchases such as food, beverages, movies, and headsets. The discount appears on your statement as a credit.</p> <h2>Costs</h2> <ul> <li>$450 Annual Fee</li> <li>16.74%-25.74% Variable APR&nbsp;</li> <li>3% Balance Transfer Fee (minimum $5)</li> <li>$0 Foreign Transaction Fee</li> </ul> <p><a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/delta-reserve-credit-card/28009-10-0/?nolayout=1" target="_blank">See rates and fees</a>.</p> <h2>Considerations</h2> <p><strong>High annual fee.</strong> Although the card includes many travel benefits and rewards opportunities, there&rsquo;s no way to get around the annual fee. The annual bonuses and valuable perks more than compensate for the fee but you have to actually use them or else the fee isn't worth it. (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=review">Best Travel Rewards Credit Cards</a>)</p> <h2>Who This Card Is Best For</h2> <p>This credit card is best for those who very frequently travel with Delta Airlines and can take advantage of its travel benefits, especially complimentary access to Delta Sky Clubs. Because of the annual fee, the card is also best for travelers who plan on making, at the very least, $30,000 in purchases per year to qualify for the annual bonuses.</p> <p>Terms apply.&nbsp;</p> <p><span style="font-size: 13px;">Info about the Delta Reserve card has been collected independently by Wise Bread. The issuer did not provide the details, nor is it responsible for their accuracy.</span></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/delta-skymiles-reserve-credit-card-from-american-express-review">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/american-express-platinum-delta-skymiles-credit-card-review">Platinum Delta SkyMiles® Credit Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value">Which Delta SkyMiles Credit Card Has the Best Value?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/us-bank-flexperks-gold-american-express-credit-card">U.S. Bank FlexPerks Gold American Express Credit Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/priority-treatment-gold-delta-skymiles-credit-card-from-american-express">Priority Treatment: Gold Delta SkyMiles Credit Card from American Express</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel american express credit card reviews Delta Fri, 16 Oct 2015 04:37:30 +0000 Christina Majaski 1546629 at http://www.wisebread.com How to Get the Most Out of Your American Express Membership Rewards Points http://www.wisebread.com/how-to-get-the-most-out-of-your-american-express-membership-rewards-points <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-the-most-out-of-your-american-express-membership-rewards-points" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000032837572.jpg" alt="Man getting the most out of American Express perks" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>After years of hearing friends rave about their American Express cards, I recently decided to sample the privileges of membership myself. I signed up for one of their cards that offered 50,000 bonus at the time. That was great and all, but I didn't know what these Membership Rewards Points would actually get me.</p> <p>A little web sleuthing revealed AmEx MRP to be a versatile currency. I learned that its value varies widely depending on what you use it for. You can trade MRP in for miles on a number of airlines, use them to shop online, book travel through AmEx, or just pay off your AmEx bill. Here's what my bonus is worth. (Note that these figures are as of this writing. Values may change.)</p> <h2>Airline Miles - As Much As 7 Cents Per Point</h2> <p>You can trade MRP points 1:1 for most partner airline miles, including Air Canada, Hawaiian Airlines and British Airways.</p> <p>How much is one mile worth on a partner airline? That depends on the value of the flight you plan to redeem it for. Smarter Travel pegs the average mile value at 1 to 2 cents. However, if you use your miles for an international flight or, even better, an upgrade on an international flight, you can do much better than that. Have you ever drooled over a review of those first class suites with privacy and flat beds? The price tags on those suites are high, which means that if you trade AmEx points for miles to pay for them, you could get much more value out of your points. For example, The Points Guy spent 51,000 points for a flight from Singapore to Tokyo on Singapore Suites, which costs $4,014. That&rsquo;s more than 7 cents per point value!</p> <p>Keep in mind that the list of airlines on Amex&rsquo;s Membership Rewards page doesn&rsquo;t take into account partner airlines. For example, American and United are <em>not</em> AmEx partners. However, you can still redeem MRP for flights on those airlines by transferring your points to partner airlines that are part of the major alliances, like Singapore Airlines, then using the miles to get a flight on United through the Star Alliance.</p> <p>If I trade my 50,000 MRP for Hawaiian Airlines miles, I can get a one-way coach ticket to Australia for 40,000 points, which a quick price search values at about $1,758, making my points worth about 4.4 cents each. (Then again, I could travel the same route on a different airline for as low as $728, so if you look at it that way, my points are only worth 1.8 cents apiece.)</p> <h2>Gift Cards - 1 Cent Per Point</h2> <p>AmEx will sell you gift cards for many brands, including Gap, Staples, iTunes, and event Airbnb, at the rate of 1 point per penny. For those who may not accrue enough points to save up for a plane trip, or who want to use points for gifts, this is a flexible option that is also a pretty good deal. With my 50,000 points, I could buy five $100 gift cards for family members&rsquo; holiday presents.</p> <h2>Plenti - 1 Cent Per Point</h2> <p>This year, American Express launched Plenti, a cross-brand rewards program that allows you to earn points for shopping at AT&amp;T, Macy&rsquo;s, and a few other places. You can also transfer AmEx points for Plenti points. But should you?</p> <p>If you transfer 10,000 MRP to your Plenti account, you can then get $10 off at any of the participating retailers, meaning that trading AmEx points for Plenti gets you a penny a point. Again, this is a good value for folks who are not accumulating large amounts of points toward flights or upgrades.</p> <p>If I were to transfer the 50,000 points to Plenti, I could get myself a Vitamix at Macy&rsquo;s for $500.</p> <h2>Uber - 1 Cent Per Point</h2> <p>If you are not a big shopper or traveler, redeeming points for Uber rides might be a practical way to use your MRP. This would be a very convenient way to go because you don&rsquo;t have to plan ahead, nor do you have to spend your points in set increments. If you link your AmEx account to the Uber app, you can select &ldquo;pay with points&rdquo; when ordering a ride.</p> <p>Using my 50,000 points, I could have an Uber SUV take my family to San Francisco airport about three times.</p> <h2>Charity - 1 Cent Per Point</h2> <p>If you were going to give to charity anyway, you can use points and give a $10 gift for every 1,000 points through AmEx&rsquo;s Members Give program, up to 500,000 points. You can also buy charity certificates as gifts for others.</p> <h2>Book Travel Through AmEx - .70 to 1 Cent Per Point</h2> <p>Instead of transferring MRP to the airline or hotel loyalty program of your choice, you could cut the middleman and book a flight or hotel room through AmEx&rsquo;s travel portal. You may not get as much bang for your points, but it is convenient, since you can spend the points directly instead of calculating exchange rates and waiting for transfers to come through.</p> <p>You need a minimum of 5,000 points to do this, but you don&rsquo;t have to pay the entire cost of your trip with points; you can combine it with a credit card payment. Points are worth a penny each for airfare, or .7 cent for hotels, cruises and vacation packages.</p> <p>One nice thing about booking flights through AmEx instead of transferring to a partner is that you can earn miles on the flight.</p> <p>With my 50,000 points, I could just about pay for a one-way, last-minute flight from Oakland to Honolulu through the travel portal.</p> <h2>Hotel Programs - .75 to 1 Cent Per Point</h2> <p>If you want to stay in a hotel for free, you can transfer MRP to the Hilton HHonors, Starwood Preferred Guest, Best Western Rewards or Choice Hotels. For Hilton, 1,000 MRP gets you 1,500 Hilton HHonors Points. Don&rsquo;t get too excited about that exchange rate -- NerdWallet values HH points at only half a cent each.&nbsp;</p> <p>For Starwood, you&rsquo;ll only get 333 Starpoints for 1,000 MRP. I could stay a night at a Westin in San Francisco priced at $415 a night for my 50,000 points. That gets me about .8 cents per point.</p> <h2>Chili&rsquo;s - .85 Cents Per Point</h2> <p>At Chili&rsquo;s with payment terminals, you can swipe your AmEx card and select &ldquo;pay with points.&rdquo;</p> <p>With my 50,000 points, my family could eat at Chili&rsquo;s as much as nine times.</p> <h2>Amazon or BestBuy.com - .7 Cents Per Point</h2> <p>You can link your AmEx account to Amazon and use any amount of points towards purchases. Although this is not as good a value as the uses above, it is convenient, since you don&rsquo;t need to order a gift card before you shop. You don&rsquo;t even have to have enough points to pay for your whole purchase &ndash; you can pay with a combination of points and other payment methods.</p> <p>Spending points on BestBuy.com works the same way.</p> <p>However, if you&rsquo;re willing to go an extra step, you can get a full 1 cent per point.</p> <h2>Statement Credit - .6 Cents Per Point</h2> <p>This is not the best deal, but it&rsquo;s nice that it doesn&rsquo;t require you to buy anything extra, and you can do it right on the AmEx site.</p> <p>I could use my 50,000 points to pay off $300 worth of charges.</p> <h2>AmEx&rsquo;s Shopping Portal - .5 Cents Per Point</h2> <p>You can shop through AmEx retail partners through its own shopping portal, but why would you when you could get a better deal through Amazon or by ordering gift cards?</p> <p>I could buy a Nespresso Pixie coffee maker worth $229 with my 50,000 points on the AmEx shopping portal.</p> <h2>Further Tips</h2> <p>Keep these things in mind while using your points.</p> <h3>Leave Your Points in Your AmEx Account Until You Spend Them</h3> <p>The transfer of points are often immediate, so there&rsquo;s no benefit in moving points until you&rsquo;re ready to use them.</p> <h3>Watch for Special Promotions</h3> <p>All the rates above are the standard transfer deals. But American Express sometimes offers bonuses for transferring points to various brands. For instance, AmEx has offered 30%, 40% and 50% bonuses for transferring to British Airways at different times..</p> <h3>You May Have to Pay Fees</h3> <p>When you transfer points to a US frequent flyer program, you&rsquo;ll have to pay .0006 cents per point, up to $99, in federal excise tax. Other redemptions could also involve fees. In addition, many American Express cards, including the one I recently acquired, have annual fees.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Get%20the%20Most%20Out%20of%20Your%20American%20Express%20Membership%20Rewards%20Points.jpg" alt="How to Get the Most Out of Your American Express Membership Rewards Points" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/how-to-get-the-most-out-of-your-american-express-membership-rewards-points">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review">Cashing in at the Supermarket: Blue Cash Preferred Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-credit-cards-have-the-best-travel-redemption-value">Which Credit Cards Have the Best Travel Redemption Value?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value">Which Delta SkyMiles Credit Card Has the Best Value?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-you-should-get-a-business-credit-card-over-a-consumer-card">When You Should Get a Business Credit Card Over a Consumer Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards american express Mon, 21 Sep 2015 09:00:09 +0000 Carrie Kirby 1545452 at http://www.wisebread.com Priority Treatment: Gold Delta SkyMiles Credit Card from American Express http://www.wisebread.com/priority-treatment-gold-delta-skymiles-credit-card-from-american-express <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/priority-treatment-gold-delta-skymiles-credit-card-from-american-express" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000019184154.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?ref=review">Airline rewards cards</a> are among the most popular <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=review">travel rewards credit cards</a>&nbsp;on the market, offering valuable travel and airline benefits as well as an opportunity to earn miles with each purchase that can be redeemed for award tickets. The <a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value?ref=review">Delta SkyMiles credit cards</a> are especially popular, since the airline is one of the largest in the world. Let's see if the <a href="http://www.wisebread.com">Gold Delta SkyMiles&reg; Credit Card</a> from American Express is a good option for you.</p> <h2>Why We Like This Card</h2> <ul> <li>Limited time offer of 50,000 bonus miles (expires 11/8/17).</li> <li>Travel benefits like priority boarding, free checked bags, and discount on in-flight purchases.</li> </ul> <h2>How This Card Works</h2> <p>Cardholders get two SkyMiles for each dollar spent on purchases made directly from Delta. Earn one mile for each dollar spent on all other eligible purchases.&nbsp;</p> <p><strong>Limited Time Offer</strong>: Earn 50,000 bonus miles after you spend $2,000 in purchases with your new card in the first 3 months and a $50 statement credit after you make a Delta purchase with your new card in your first 3 months. Plus, earn an additional 10,000 bonus miles after you make an additional $1,000 in purchases within your first 6 months. Offer expires on 11/8/2017.</p> <p>Redeem miles for award flights with Delta. Miles can also be redeemed for flights with partner airlines and for flight upgrades. You can earn an unlimited number of miles which do not expire.</p> <p>Terms apply.</p> <h2>Other Benefits</h2> <p><strong>First checked bag free.</strong> Your first checked bag is free when you fly with Delta Air Lines. This is worth approximately $50 on a roundtrip flight. This waiver applies to up to nine passengers traveling on your reservation.</p> <p><strong>Priority boarding.</strong> As a cardmember you receive Zone 1 priority boarding.</p> <p><strong>Delta Sky Club discount.</strong> You and two companions traveling with you can access Delta's airport lounges at a discounted rate. One day passes are generally around $60 per person. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access?ref=review">Best Credit Cards with Airport Lounge Access</a>)</p> <p><strong>In-flight savings.</strong> Receive a 20% savings on in-flight purchases made with your card on purchases such as beverages, food, and headsets. This savings is applied as a statement credit.</p> <h2>Costs</h2> <ul> <li>$95 Annual Fee (waived the first year)</li> <li>16.74%-25.74% Variable APR (purchases and balance transfers)</li> <li>3% Balance Transfer Fee (minimum $5)</li> <li>$0 Foreign Transaction Fee</li> </ul> <p><a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/delta-gold-credit-card/26129-10-0/?print#terms-details">See rates and fees.</a></p> <p><a target="_blank" href=" http://ct.wisebread.com/click.php?pg=73&amp;pid=9&amp;pp=0&amp;uv=sbutton2" rel="nofollow"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" alt="" class="img-exempt" width="154" height="50" /></a></p> <h2>Considerations</h2> <p><strong>Annual fee.</strong> The annual fee is waived the first year, but can become costly if you don't use your card enough to pay for it or aren't able to earn and redeem enough miles to help offset the fee. There are travel rewards cards with lower or <a href="http://www.wisebread.com/the-5-best-credit-cards-with-no-annual-fees?ref=review">no annual fees</a>.</p> <h2>Who This Card Is Best For</h2> <p>The Gold Delta SkyMiles Credit Card from American Express is best for travelers who fly often enough with Delta to take advantage of the perks and rewards that cover the annual fee. This can mean either earning enough rewards to redeem for award flights, or being able to take advantage of the flight benefits such as the airport lounge discount or in-flight savings.</p> <p>Terms apply.</p> <p style="text-align: center;"><strong><a href="http://ct.wisebread.com/click.php?pg=73&amp;pid=9&amp;pp=0&amp;uv=send" target="_blank">Click here to learn more and apply for the Gold Delta SkyMiles&reg; Credit Card from American Express today!</a></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/priority-treatment-gold-delta-skymiles-credit-card-from-american-express">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/american-express-platinum-delta-skymiles-credit-card-review">Platinum Delta SkyMiles® Credit Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/delta-skymiles-reserve-credit-card-from-american-express-review">Delta Reserve Credit Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/us-bank-flexperks-gold-american-express-credit-card">U.S. Bank FlexPerks Gold American Express Credit Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/amex-platinum-do-the-perks-justify-the-fee">The Platinum Card from American Express: Do the Perks Justify the Fee?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel american express credit card reviews delta airlines delta skymiles Wed, 16 Sep 2015 22:55:15 +0000 Christina Majaski 1526855 at http://www.wisebread.com What Does Car Rental Insurance Really Cover On Your Credit Card? http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-does-car-rental-insurance-really-cover-on-your-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000048091706.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Don't you hate the experience when you are renting a car, and the representative gives you the hard sell on their optional insurance? At that moment, you are pretty sure that your credit card has insurance that will cover your trip, but the sales agents will do their best to sow confusion and doubt in your mind. As a result, many will break down and purchase the over-priced coverage offered by the rental car agency, if only to get on with their trip. (See also: <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=seealso">Best Credit Cards to Use While Traveling</a>)</p> <p>The only way to make this experience less stressful is to understand exactly what your credit card really covers, before you go to pick up your car.</p> <h2>What Credit Card Rental Coverage Is</h2> <p>Technically speaking, the coverage offered by your credit card is not considered to be insurance. Instead, it's referred to as a collision damage waiver policy. This benefit will cover you for damage due to collision or theft, up to the actual cash value of most vehicles, but there are numerous qualifications and restrictions that you need to be aware of.</p> <h2>Activating This Benefit</h2> <p>To use this benefit, you must pay for the entire rental with your eligible credit card, and you must decline all optional coverage offered by the rental car company. While you will be eligible for this coverage if you use a coupon or a discount, free rentals redeemed through a loyalty program will not be eligible, even when you pay for any additional taxes and fees using your credit card.</p> <p>You should also be aware of the many limitations of this coverage. For example, most credit card policies will exclude a wide variety of non-standard vehicles such as trucks, antiques, and expensive luxury cars. In addition, many credit cards have territorial limitations that exclude vehicles rented in popular tourist destinations such as Italy, Ireland, Israel, Jamaica, and Australia. Finally, the coverage will be invalid if you do anything that violates your rental car agreement. While this includes some obvious prohibitions such as commercial use or illegal activity, you also have to be careful to avoid some other common activities such as driving on unpaved roads, including those made out of dirt or gravel.</p> <h2>What's Not Covered</h2> <p>Even when you have successfully activated your card's collision damage and avoided any excluded vehicles, countries, or activities, you still might not be fully covered by your card's policy. Excluded costs typically include injuries as well as the damage or loss of personal items. In addition, many cards will not cover the rental car company's administrative fees, &quot;loss of use&quot; charges, or the difference between the car's actual value and its replacement value. Sadly, some of these costs can be quite expensive. And finally, many credit card insurance policies are considered secondary, meaning that they only apply to the deductible and other uncovered costs after you have filed a claim with your personal insurance, if it applies. Thankfully, there are some cards offered with primary rental car coverage, which doesn't require you to file a claim on your personal policy.</p> <h2>Recommendations</h2> <p>First, it is important that you do the research and find out how and where your card's policy covers you, and to what extent. And if you have multiple credit cards, you will often find that some offer better coverage than others, so you can choose your cards carefully when you pay for your car rental. To resist the hard sell, state very clearly that you are &quot;declining all optional insurance&quot;, and repeat that phrase until they move on.</p> <p>Finally, you should be aware of American Express's optional premium rental car coverage. This coverage is reasonably priced at $19.95 / $24.95 ($15.95 / $17.95 for CA Residents) per rental period, (not per day). This coverage is primary, excludes fewer vehicles, and has higher limits than the standard coverage.</p> <p>By understanding the value and the limitations of your credit card's rental car coverage, you can make the right decision the next time you are presented with a choice at the rental car counter.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-an-extra-109486-a-year">How to Save an Extra $1,166.49 a Year</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value">Which Delta SkyMiles Credit Card Has the Best Value?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/delta-skymiles-reserve-credit-card-from-american-express-review">Delta Reserve Credit Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/american-express-platinum-delta-skymiles-credit-card-review">Platinum Delta SkyMiles® Credit Card from American Express Review</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Credit Cards Travel american express car rental insurance Fri, 14 Aug 2015 06:58:14 +0000 Jason Steele 1526016 at http://www.wisebread.com When You Should Get a Business Credit Card Over a Consumer Card http://www.wisebread.com/when-you-should-get-a-business-credit-card-over-a-consumer-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/when-you-should-get-a-business-credit-card-over-a-consumer-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000022662360.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you have a business, it&rsquo;s worth considering a small business credit card. In some cases, the rewards and benefits mirror their consumer cards with little to no difference. In others though, the rewards offered by the small business card can be significant. And regardless of the rewards offered, small business cards can be used in other ways that will benefit you and your business. Here are five of the benefits that small business cards can offer over using a personal card. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses?ref=seealso">Best Small Business Credit Cards</a>)</p> <h2>Enjoy Bonuses for Business Expenses</h2> <p>Just like the market for personal cards, there's a highly competitive market for small business credit cards. And one of the ways that banks compete for their business is by offering the most aggressive rewards for spending. With business cards, the rewards are more likely to be focused on common business expenses. In contrast, similar personal credit cards are more likely to offer bonuses for groceries and entertainment charges. Furthermore, the rewards earned from employee spending as authorized cardholders is retained by the primary account holder, increasing the opportunity for business owners to earn valuable points, miles, and cash back.</p> <h2>Separate Personal and Business Expenses</h2> <p>The primary benefit of a business credit card, and the reason they exist in the first place, is to separate personal and business expenses for the sake of record keeping and filing taxes. Can you use a personal credit card to do this? Yes, but the balance will appear on your personal credit report. In contrast, a business credit card's balance will not affect your credit score, unless you miss payments. As a primary account holder, you're still personally liable to pay back all charges on your business credit card.</p> <h2>Use Expanded Reporting Tools</h2> <p>Business users are likely to need additional information from their credit cards for accounting purposes, which is a feature provided by many small business credit cards. Get quarterly and year-end summaries that include custom, itemized reports of your spending. In addition, some cards offer downloadable purchase records compatible with common accounting tools such as Quicken, QuickBooks, and Excel. Mobile apps may also be available that allows cardholders to save images of the receipts and tag them with customizable categories.</p> <h2>Have More Control Over Authorized Users</h2> <p>If you need to give employees a card to use, business credit cards can offer better management, reporting, and control over their spending abilities. You can set up alerts on purchases, adjust spending limits, and view usage among different employees. Some consumer cards offer additional cards for authorized users, but it has the same card number and does not distinguish purchases between cardholders.</p> <h2>Earn Valuable Sign-Up Bonuses</h2> <p>One benefit that some credit card users find attractive is that they can earn increased rewards from sign the up bonuses offered by the business version of a card. When an exceptional offer comes around, it's often extended to both the business and personal versions of a credit card, allowing business owners multiple opportunities to earn this bonus. In fact, someone who owns multiple businesses may be able to apply for separate accounts for each one.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/when-you-should-get-a-business-credit-card-over-a-consumer-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-credit-cards-have-the-best-travel-redemption-value">Which Credit Cards Have the Best Travel Redemption Value?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses">Best Credit Cards for Small Businesses</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value">Which Delta SkyMiles Credit Card Has the Best Value?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-credit-cards-for-office-supply-purchases">Best Credit Cards for Office Supply Purchases</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/chase-ink-cash-business-credit-card-review">Chase Ink Business Cash&amp;#8480; Credit Card Review</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Entrepreneurship american express best credit cards Capital One chase Mon, 27 Jul 2015 14:00:13 +0000 Jason Steele 1501695 at http://www.wisebread.com Which Credit Cards Have the Best Travel Redemption Value? http://www.wisebread.com/which-credit-cards-have-the-best-travel-redemption-value <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/which-credit-cards-have-the-best-travel-redemption-value" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000044836344.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Travel rewards cards have come a long way and cardholders can take advantage of opportunities to get more value from their points. While <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?ref=internal">co-branded airline credit cards</a> offer special benefits to frequent flyers of one specific airline, general travel rewards cards can offer more flexibility in redeeming award flights and other travel bookings. Especially valuable is the opportunity to transfer points to miles on a 1:1 ratio. Check out these programs to find the best credit card suited for your travel plans. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles?ref=seealso">Best Credit Cards that Offer Points to Miles Transfer</a>)</p> <h2>Amex Membership Points</h2> <p>This program is offered by many different <a href="http://www.wisebread.com/american-express-credit-card-offers-applications-reviews?ref=internal">American Express cards</a>. Cardholders can transfer their points to 17 airline programs:</p> <ul> <li>AeroMexico Club Premier&nbsp;</li> <li>Air Canada Aeroplan</li> <li>Air France/KLM Flying Blue</li> <li>Alitalia MilleMiglia</li> <li>All Nippon Airways (ANA) Mileage Club</li> <li>Asia Miles</li> <li>British Airways Avios</li> <li>Delta SkyMiles</li> <li>El Al Israel Matmid</li> <li>Emirates Skywards</li> <li>Etihad Airways Guest</li> <li>Hawaiian Airlines</li> <li>Iberia Plus Avios</li> <li>JetBlue Airways TrueBlue</li> <li>Singapore Airlines KrisFlyer</li> <li>Virgin America Elevate</li> <li>Virgin Atlantic Flying Club</li> </ul> <p>These options represent a wide range of foreign and domestic carriers, including those that are part of major airline alliances as well as several independent carriers. Furthermore, American Express sometimes offers transfer bonuses for specific airlines that allow you to receive greater than a 1:1 exchange rate. Transfers to airlines generally occur in just a few seconds, however there is no way to share points between other cardholders, including spouses and domestic partners.</p> <p>This program also includes hotel transfer partners including:</p> <ul> <li>Choice Privileges at a 1:1 ratio;</li> <li>Hilton Honors at a 1:1.5 ratio;</li> <li>Starwood Preferred Guest at a 3:1 ratio.</li> </ul> <p>In general, these hotel points are not considered to be as valuable as airline miles at the ratios offered, but the exchange rate for Hilton Honors points can be worthwhile in some cases. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-hotels?ref=seealso">Best Credit Cards That Transfer to Hotel Points</a>)</p> <h2>Starwood Preferred Guest</h2> <p>You might be surprised to know that the <a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express?ref=internal">Starwood Preferred Guest Card</a> offers 1:1 transfer to over 30 partners. That's why it's a very popular card among travelers. Additionally, SPG will match 5,000 Starpoints for each 20,000 transferred at a time (1 Starpoint will be worth 1.25 miles of most partners). Note that SPG transfers are not instantaneous and may take some time to be processed. Here's the list of their transfer partners:</p> <ul> <li>Aeromexico (1:1)</li> <li>Air Canada (1:1)</li> <li>Air Berlin (1:1)</li> <li>Air China (1:1)</li> <li>Air New Zealand (65:1)</li> <li>Alaska Airlines (1:1)</li> <li>Alitalia (1:1)</li> <li>All Nippon Airways (ANA) (1:1)</li> <li>American Airlines (1:1)</li> <li>Cathay Pacific Airlines (1:1)</li> <li>Asiana Airlines (1:1)</li> <li>British Airways (1:1) &nbsp;&nbsp;</li> <li>China Eastern Airlines (1:1)</li> <li>China Southern Airlines (1:1)</li> <li>Delta Air Lines (1:1)</li> <li>Emirates (1:1)</li> <li>Etihad Airways (1:1)</li> <li>Air France and KLM (1:1)</li> <li>Gol Transportes Aereos (2:1)</li> <li>Hainan Airlines (1:1)</li> <li>Hawaiian Airlines (1:1)</li> <li>Japan Airlines (1:1)</li> <li>Kingfisher Airlines (1:1)</li> <li>LAN (1:1.5)</li> <li>Mexicana (1:1)</li> <li>Lufthansa (1:1)</li> <li>Qatar Airways (1:1)</li> <li>Saudi Arabian Airlines (1:1)</li> <li>Singapore Airlines (1:1)</li> <li>Thai Airways (1:1)</li> <li>US Airways (1:1)</li> <li>United Airlines (2:1)</li> <li>VARIG (2:1)</li> <li>Virgin Atlantic (1:1)</li> <li>Virgin Australia (1:1)</li> <li>Amtrak Guest Rewards (1:1)</li> </ul> <h2>Chase Ultimate Rewards</h2> <p>Chase offers transferrable Ultimate Rewards points to holders of its <a href="http://www.wisebread.com/chase-sapphire-preferred-review?ref=internal">Sapphire Preferred</a>. Currently, it allows you to transfer to 11 different travel partners on a 1:1 basis in the following programs:</p> <ul> <li>British Airways Executive Club</li> <li>Korean Air SKYPASS</li> <li>Singapore Airlines KrisFlyer</li> <li>Southwest Airlines Rapid Rewards</li> <li>United MileagePlus</li> <li>Virgin Atlantic Flying Club</li> <li>Hyatt Gold Passport</li> <li>IHG&reg; Rewards Club</li> <li>Marriott Rewards</li> <li>Ritz-Carlton Rewards</li> </ul> <p>These are great options, especially when you consider that all three major airline alliances are represented. For instance, Delta awards can be booked using Korean Air miles, while American Airlines awards are offered by the British Airways program. In addition, several of the major hotel programs are featured, and transfers from this program are virtually instantaneous, allowing you to book airline tickets or award nights at hotels that you found before the availability disappears.</p> <p>Other features include the ability to book travel, including hotels, airfare, car rentals, cruises, and activities directly through Chase at a rate of 1.25 cents per point. Finally, Chase allows spouses and domestic partners to share points at no charge.</p> <h2>Chase Sapphire Preferred&reg; Card</h2> <p><img style="float:right;margin:0 5px 5px 10px;" class="img-exempt" src="http://www.imgsynergy.com/191x120/chase-sapphire-preferred-card-110716.png" alt="" width="154" border="0" height="97" /><a style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;" target=" rel=" href=" http://ct.wisebread.com/click.php?pg=57&amp;pid=38&amp;pp=5&amp;uv=xcardbutton"><img alt="" class="img-exempt img-button" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a>The <a href="http://ct.wisebread.com/click.php?pg=57&amp;pid=38&amp;pp=5&amp;uv=xname" target="_blank" rel="nofollow">Chase Sapphire Preferred&reg; Card</a> is an attractive option for frequent travelers. Earn 2x points on travel and dining at restaurants and 1 point per dollar spent on all other purchases worldwide. Earn 50,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards&reg;. There are no foreign transaction fees. The introductory annual fee is $0 the first year, then $95.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=57&amp;pid=38&amp;pp=5&amp;uv=xend" target="_blank" rel="nofollow">Click here to learn more and apply for the Chase Sapphire Preferred&reg; Credit Card today!</a></strong></p> <h2>Citi ThankYou points</h2> <p>Citi's ThankYou program from our partner Citi has been around for many years, but it only became a serious competitor once it began offering transfers of points to travel partners. It currently offers transfers from&nbsp;<a href="http://www.wisebread.com/citi-prestige-card-world-class-benefits?ref=internal">Citi Prestige</a> cards to the following frequent flyer programs at a 1:1 basis:</p> <ul> <li>Asia Miles</li> <li>Etihad Guest</li> <li>EVA Air Infinity MileageLands</li> <li>Air France/KLM Flying Blue</li> <li>Garuda Indonesia</li> <li>Malaysia Airlines Enrich</li> <li>Qantas Frequent Flyer</li> <li>Qatar Airways Privilege Club</li> <li>Singapore Airlines KrisFlyer</li> <li>Thai Airways Royal Orchid Plus</li> <li>Virgin Atlantic Flying Club</li> </ul> <p>In addition it offers transfers to Hilton Honors at a 1:1.5 ratio.</p> <p>Although this program shows a lot of promise, it currently has no US based airlines in its program, and it features airlines like Malaysia and Garuda Indonesia that don't even offer service to the United States. While each of these programs is partnered with US based carriers, their awards charts do not offer very compelling value in most cases, with Singapore and Air France/KLM Flying Blue being the two best options. Furthermore, point transfers can take at least a day or two, and over a week in some cases.</p> <p>One strength is that members are allowed to transfer their points to any other member at no charge. In addition, Prestige cardholders receive an exceptional 1.33 cents per point for airfare reservations and 1.6 cents per point if the airline is American or US Airways.</p> <!--<p><h2>Citi Prestige&reg; Card</h2> <p><img style="float:right;margin:0 5px 5px 10px;" class="img-exempt" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/10.22-CitiPrestigeCard-191.jpg" width="154" border="0" height="97" /><a style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;" target=" rel=" href="http://ct.wisebread.com/click.php?pg=57&amp;pid=53&amp;pp=7&amp;uv=xcardbutton"><img alt="" class="img-exempt img-button" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a>The <a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=57&amp;pid=53&amp;pp=7&amp;uv=xname">Citi Prestige&reg; card</a> offers 3 points per dollar on air travel and hotels, 2 points on entertainment and dining out, and 1 point on all other purchases. Get membership in both the American Airlines Admirals Club (worth $575-$825) and the Priority Pass Select lounge network (worth $399). Other benefits of this card include a $250 annual Air Travel Credit and up to $100 in statement credit every five years as reimbursement for your Global Entry (or TSA PreCheck) Application fee. There is a $450 annual fee for this card.</p> <p><strong><a target="_blank" href="http://ct.wisebread.com/click.php?pg=57&amp;pid=53&amp;pp=7&amp;uv=xend">Click here to learn more and apply for the Citi Prestige&reg; Card today!</a></strong></p>--><!--<p><h2>Citi Prestige&reg; Card</h2> <p><img style="float:right;margin:0 5px 5px 10px;" class="img-exempt" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/10.22-CitiPrestigeCard-191.jpg" width="154" border="0" height="97" /><a style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;" target=" rel=" href="http://ct.wisebread.com/click.php?pg=57&amp;pid=53&amp;pp=7&amp;uv=xcardbutton"><img alt="" class="img-exempt img-button" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a>The <a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=57&amp;pid=53&amp;pp=7&amp;uv=xname">Citi Prestige&reg; card</a> offers 3 points per dollar on air travel and hotels, 2 points on entertainment and dining out, and 1 point on all other purchases. Get membership in both the American Airlines Admirals Club (worth $575-$825) and the Priority Pass Select lounge network (worth $399). Other benefits of this card include a $250 annual Air Travel Credit and up to $100 in statement credit every five years as reimbursement for your Global Entry (or TSA PreCheck) Application fee. There is a $450 annual fee for this card.</p> <p><strong><a target="_blank" href="http://ct.wisebread.com/click.php?pg=57&amp;pid=53&amp;pp=7&amp;uv=xend">Click here to learn more and apply for the Citi Prestige&reg; Card today!</a></strong></p>--><h2>Which Is Best?</h2> <p>Choosing the program that works best for you will always depend on your individual travel needs. For example, the American Express program can offer great rewards from airlines like Virgin America, Hawaiian, and Air Canada, while Starwood's list of airline partners is the longest and includes both domestic and international partners. Someone who flies a lot on Southwest will get tremendous value from Chase's Ultimate Rewards program. And even though Citi's ThankYou program still has a way to go before it can compete with its rivals on transfer partners, receiving 1.6 cents in value per point towards flights from American and US Airways can be a great deal, especially when you consider that you will earn miles and be eligible for upgrades on these flights.</p> <p>By taking a close look at the advantages and drawbacks of these flexible reward programs, you can choose the right one for your needs, or even decide to earn points in more than one.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/which-credit-cards-have-the-best-travel-redemption-value">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-you-should-get-a-business-credit-card-over-a-consumer-card">When You Should Get a Business Credit Card Over a Consumer Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value">Which Delta SkyMiles Credit Card Has the Best Value?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-american-airlines-us-airways-credit-card-should-you-get">Which American Airlines Credit Card Should You Get?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards">The Best 0% Balance Transfer Credit Cards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">The Best Travel Reward Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards american express best credit cards chase citibank starwood Thu, 23 Jul 2015 08:30:55 +0000 Jason Steele 1500925 at http://www.wisebread.com Get Cash Back for Everyday Purchases with the Blue Cash Everyday Card from American Express http://www.wisebread.com/get-cash-back-for-everyday-purchases-with-the-american-express-blue-cash-everyday-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/get-cash-back-for-everyday-purchases-with-the-american-express-blue-cash-everyday-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/groceries_000057402836.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Many rewards programs focus on travel benefits and other perks that do not include everyday type purchases. The <a href="http://ct.wisebread.com/click.php?pg=66&amp;pid=5&amp;pp=0&amp;uv=sname" target="_blank">Blue Cash Everyday&reg; Card from American Express</a> is one of the rare credit cards that awards general day to day purchases, which can add up and become quite valuable. (See also: <a href="http://www.wisebread.com/best-credit-cards-for-everyday-purchases?ref=review">Best Credit Cards for Everyday Purchases</a>)</p> <h2>Why We Like This Card</h2> <ul> <li>$150 cash back bonus offer</li> <li>Up to 3% cash back on everyday purchases</li> </ul> <h2>How This Card Works</h2> <p>You can earn 3% cash back on purchases made at U.S. supermarkets (up to $6,000 per year in purchases, then 1% cash back applies), 2% cash back at U.S. gas stations&nbsp;and select U.S. department stores, and 1% cash back for all other purchases made with the card. Superstores and wholesale clubs do not qualify for the bonus cash back in any of the categories and generally fall into the &quot;other&quot; category at 1%.&nbsp;</p> <p>(See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=review">Best Credit Cards that Offer Bonus Cash at Sign-Up</a>)</p> <p><strong>Bonus offer:</strong> Earn $150 back after spending $1,000 in purchases within your first 3 months.&nbsp;</p> <h2>Other Benefits</h2> <p><strong>Intro APR:</strong> Get 0% APR on purchases and balance transfers for 15 months. After the intro period, a variable APR of 13.99% - 24.99% applies.</p> <p><strong>Return Protection</strong>: If a merchant refuses to accept a return within 90 days, American Express may refund the full purchase price (up to $300 per item, $1,000 maximum per year).</p> <p><strong>Extended Warranty</strong>: Get up to one extra year added to the original manufacturer's warranty, if it is 5 years or less.&nbsp;</p> <p><strong>Purchase Protection</strong>: Protect your purchases against accidental damage and theft for up to 90 days.&nbsp;</p> <p><strong>Car Rental Loss and Damage Insurance</strong>: Use your AMEX card to pay for your rental and be covered if the car is damaged or stolen.&nbsp;</p> <p>Terms apply.</p> <script src="//widgets.bankratecreditcards.com/javascript/widget.js?type=38&lid=3050771"></script><p><a target="_blank" href=" http://ct.wisebread.com/click.php?pg=66&amp;pid=5&amp;pp=0&amp;uv=sbutton2" rel="nofollow"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" alt="" class="img-exempt" width="154" height="50" /></a></p> <h2>Considerations</h2> <p><strong>Cap on U.S. supermarket purchases.</strong> There is a cap on the 3% earned from U.S. supermarket purchases of $6,000 per year. After that, you only earn 1% for these purchases. This may not be a huge problem if your grocery bill is under approximately $500 per month because you still earn as much as $180 per year for those purchases. (See also: <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?ref=review">Best Credit Cards for Groceries</a>)</p> <p><strong>Not for foreign purchases. </strong>The foreign transaction fee of 2.7% makes this card not ideal for foreign purchases. Furthermore, the bonus cash back categories of 2% and 3% only apply to retailers in the U.S. and would not earn the cash back rewards if you travel abroad frequently. (See also: <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=review">Best Cards with No Foreign Fees</a>)</p> <h2>Who This Card Is Best For</h2> <p>The Blue Cash Everyday Card is best for those whose everyday purchases in groceries, gas, and department stores make up a significant portion of their monthly budget.&nbsp;</p> <p style="text-align: center;"><strong><a href="http://ct.wisebread.com/click.php?pg=66&amp;pid=5&amp;pp=0&amp;uv=send" target="_blank">Click here to learn more and apply for the&nbsp;Blue Cash Everyday&reg; Card from American Express today!</a></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/get-cash-back-for-everyday-purchases-with-the-american-express-blue-cash-everyday-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/hotel-rewards-for-business-owners-american-express-starwood-preferred-guest-business-credit-card">Hotel Rewards for Business Owners: American Express Starwood Preferred Guest Business Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/amex-everyday-credit-card-review-tina-fey-says-yes">Amex EveryDay Credit Card Review: Tina Fey Says Yes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review">Cashing in at the Supermarket: Blue Cash Preferred Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-more-cash-back-for-the-essentials-the-bankamericard-cash-rewards-card">Get More Cash Back for the Essentials: The Bank of America® Cash Rewards Credit Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards american express amex credit card reviews groceries Wed, 22 Jul 2015 05:15:53 +0000 Christina Majaski 1499555 at http://www.wisebread.com A New Rewards Card Partnered With Tons of Retailers: The Plenti Credit Card From Amex http://www.wisebread.com/a-new-rewards-card-partnered-with-tons-of-retailers-the-plenti-credit-card-from-amex <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/a-new-rewards-card-partnered-with-tons-of-retailers-the-plenti-credit-card-from-amex" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shopping_000037400886.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Credit cards with rewards programs are a dime a dozen with most providing similar rewards for the purchases made with the card. The Plenti&reg; Credit Card from Amex, however, provides a different type of rewards program, separating itself from the masses of cards already out there. With no annual fee and an innovative new rewards program, this card might be one worth considering when you shop.</p> <h2>How This Card Works</h2> <p>This card works in conjunction with the Plenti Rewards Program, which you have to sign up for separately. Enrollment in the rewards program is free, but must be completed before applying for the credit card.&nbsp;</p> <p>The card awards 3 points at U.S. supermarkets (up to $6,000 per year in purchases, then 1 point), 2 points at U.S. restaurants and&nbsp;one point on other purchases. You can earn additional points when using your card for purchases with retailers within the Plenti network, such as Macy's, Exxon Mobil, Rite-Aid, AT&amp;T company-owned stores, Hulu, Enterprise, and others. Each retailer provides different ways to earn and redeem points. This is in addition to the points you earn using this credit card. When you sign up for the rewards program, you also receive welcome offers and opportunities which can be worth up to 10,000 points, valued at $100 in savings. And the Plenti Online Marketplace offers even more opportunities for earning points.&nbsp;</p> <p>You can use your points for savings on purchases with the retailers in the Plenti network, at as few as 200 points with certain retailers, worth approximately $2. In order to use your points, you must have your Plenti card available at checkout, both online and in-store. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=review">Best Credit Cards with Cash Sign-Up Bonuses</a>)</p> <p>There is no limit to the number of points you can earn, but any unused points that are at least two years old by December 31, will expire.</p> <p>Terms apply.</p> <h2>Other Benefits</h2> <p><strong>Travel benefits.</strong>You can travel worry-free with this card, as you'll be covered by car rental insurance and travel accident insurance.</p> <p><strong>Global Assist Hotline.</strong> Helps you with travel arrangements such as preparing for your trip with destination guides, and coordination and assistance services such as lost passport replacement and translation services, when you are more than 100 miles from home.</p> <p><strong>Entertainment access.</strong> Get access to ticket presales at events such as Broadway shows, concerts, and sporting events.</p> <p><strong>Shopping benefits.</strong> Get extended warranty for up to one additional year on the original manufacturer's warranty. Other shopping benefits include purchase protection for accidental damage and theft, and return protection if a merchant will not accept the return.</p> <h2>Considerations</h2> <p><strong>Different rewards from different retailers.</strong> Instead of a simple program that might offer cash back on groceries or gas, each retailer in the Plenti program offers different rewards. Unless you are someone who is familiar with using different cards and different programs to maximize rewards, this would be very difficult to keep track of and remember. (See also: <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?ref=review">Best Cards for Groceries</a>)</p> <p><strong>Inconvenient rewards program.</strong> In order to get the most from the credit card, you have to use the credit card plus the Plenti card, and if you have linked a loyalty rewards card to the account, that card as well. This can result in a handful of cards being required for a single purchase, (See also: <a href="http://www.wisebread.com/best-credit-cards-that-offer-flat-rate-rewards-for-all-spending?ref=review">Credit Cards that Offer Flat Rate Rewards</a>)</p> <p><strong>Limited redemption opportunities.</strong> You can only use your points for savings with Plenti retailers at check out. You can't redeem your points for cash back or for transferring to travel partners. In fact, if you don't purchase anything from the retailers in the network within two years, your points will expire. If you don't frequent Plenti stores enough, another type of rewards card that allows for easier redemption through cash or gift cards will be a better option.&nbsp;(See also: <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=review">Best Credit Cards for Earning Cash Back</a>)</p> <p><strong>Foreign transaction fee.</strong> This is not a card to use if you travel outside of the U.S. frequently or for foreign purchases because of the fee.&nbsp;(See also: <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=review">Best Cards with No Foreign Transaction Fees</a>)</p> <h2>Who This Card Is Best For</h2> <p>The Plenti credit card is ideal for those who shop regularly with the partners included in the Plenti rewards program and are diligent in keeping up with loyalty programs. You get the most for your money if you remember to shop with Plenti partners, especially taking advantage of special bonus opportunities, and use the points earned for savings on future purchases. It is also best if used exclusively for domestic purchases.</p> <p><span style="font-size: 13px;">Info about the Plenti Card from Amex has been collected independently by Wise Bread. The issuer did not provide the details, nor is it responsible for their accuracy.</span></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/a-new-rewards-card-partnered-with-tons-of-retailers-the-plenti-credit-card-from-amex">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review">Cashing in at the Supermarket: Blue Cash Preferred Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-store-credit-card-target-redcard">The Best Store Credit Card: Target REDcard</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/barclaycard-visa-with-apple-rewards-credit-card-review">Barclaycard Visa with Apple Rewards Credit Card Review</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/love-travel-but-hate-airline-miles-try-amexs-blue-sky-preferred">Love Travel, But Hate Airline Miles? Try AmEx&#039;s Blue Sky Preferred</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping american express credit card reviews plenti Thu, 25 Jun 2015 04:16:14 +0000 Christina Majaski 1469517 at http://www.wisebread.com Which Delta SkyMiles Credit Card Has the Best Value? http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/which-delta-skymiles-credit-card-has-the-best-value" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_travel_000023045528.jpg" alt="Couple waiting at airport for vacation" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Frequent flyers of Delta Airlines can get perks and free flights by earning miles in its SkyMiles program. Using one of Delta's branded credit cards can help earn miles faster through bonuses and everyday purchases. If you're wondering which one to get, here's a breakdown of the cards to help you decide. (See also: <a href="http://www.wisebread.com/comparing-miles-which-airline-loyalty-program-is-better?ref=seealso">Which Airline Loyalty Program Has the Best Value</a>?)</p> <h2>Delta Partners</h2> <p>Earning SkyMiles doesn't just get you award tickets on Delta. Delta is in the <a href="http://www.wisebread.com/how-airline-partnerships-can-supercharge-your-travel-rewards">SkyTeam Alliance which consists of 20 carriers</a>. Delta is also partners with Alaska Airlines, Virgin Atlantic, Virgin Australia, and Hawaiian Airlines. These partnerships allow you to redeem awards on Delta's partner airlines as well.</p> <h2>Blue Delta SkyMiles&reg; Credit Card from American Express</h2> <p><img class="img-exempt" style="float:right;margin:0 5px 5px 10px;" src="http://imgsynergy.com/product_creatives/257671a3d5201ee26e76cdac98aaf849.png" alt="" width="154" border="0" height="97" /><a target="_blank" href="http://ct.wisebread.com/click.php?pg=61&amp;pid=183&amp;pp=1&amp;uv=xcardbutton" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>With the <a href="http://ct.wisebread.com/click.php?pg=61&amp;pid=183&amp;pp=1&amp;uv=xname">Blue Delta SkyMiles&reg; Credit Card from American Express</a>, you earn two miles per dollar spent on purchases made directly with Delta and at US restaurants, and one mile per dollar spent on other eligible purchases. New cardholders can earn 10,000 bonus miles after spending $500 in purchases in the first three months. Plus, you get a 20% savings in the form of a statement credit on eligible Delta in-flight purchases of food, beverages, and audio headsets. There is no annual fee for this card. Terms apply. <a href="https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/blue-delta-skymiles-credit-card/26129-10-0/">See rates and fees.</a></p> <p><strong><a target="_blank" href="http://ct.wisebread.com/click.php?pg=61&amp;pid=183&amp;pp=1&amp;uv=xend">Click here to learn more and apply for the Blue Delta SkyMiles&reg; Credit Card from American Express today!</a></strong></p> <h2>Gold Delta SkyMiles&reg; Credit Card from American Express</h2> <p><img class="img-exempt" style="float:right;margin:0 5px 5px 10px;" src="http://imgsynergy.com/product_creatives/f86115cf29c0d61f88dd37058e29ecbe.png" alt="" width="154" border="0" /><a target="_blank" href="http://ct.wisebread.com/click.php?pg=61&amp;pid=9&amp;pp=2&amp;uv=xcardbutton" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>The <a href="http://www.wisebread.com">Gold Delta SkyMiles&reg; Credit Card</a> from American Express offers double miles on purchases made directly with Delta, and one mile per dollar spent on other eligible purchases. In addition, cardholders receive a free checked bag for themselves and up to 8 other companions on Delta flights, priority boarding, and reduced fee access to Delta's SkyClub Airport lounges. For a limited time, new cardholders can earn 50,000 bonus miles after making $2,000 in purchases on within the first 3 months. Additionally, earn a $50 statement credit after you make a Delta purchase with your new card within the first 3 months. Even better, you can earn an additional 10,000 bonus miles after making an additional $1,000 in purchases within your first 6 months. (Offer expires 11/8/2017.) There are no foreign transaction fees. The annual fee is $0 for the first year of card membership and $95 after that. Terms apply. <a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/delta-gold-credit-card/26129-10-0/?print#terms-details">See rates and fees.</a></p> <!--<a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/delta-gold-credit-card/26129-10-0/?print#terms-details">See rates and fees.</a>--><!--<a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/delta-gold-credit-card/26129-10-0/?print#terms-details">See rates and fees.</a>--></p> <p><strong><a target="_blank" href="http://ct.wisebread.com/click.php?pg=61&amp;pid=9&amp;pp=2&amp;uv=xend">Click here to learn more and apply for the Gold Delta SkyMiles&reg; Credit Card from American Express today!</a></strong></p> <h2>Platinum Delta SkyMiles&reg; Credit Card from American Express</h2> <p><img class="img-exempt" style="float:right;margin:0 5px 5px 10px;" src="http://www.imgsynergy.com/191x120/amex-delta-platninum-consumer-060215.png" alt="" width="154" border="0" /><a target="_blank" href="http://ct.wisebread.com" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a></p> <p>The <a href="http://www.wisebread.com">Platinum Delta SkyMiles&reg; Credit Card</a> from American Express awards two miles for each dollar spent on purchases made directly with Delta, and one mile for each dollar spent on other eligible purchases. For a limited time, new cardholders can earn 70,000 bonus miles and 10,000 Medallion&reg; Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card within your first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new card within your first 3 months. (Offer expires on 11/8/2017.) The card also includes benefits such as priority boarding, free first checked bag, discounted Delta Sky Club access, and 20% discount on inflight purchases. The annual fee is $195. Terms apply. <a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/platinum-delta-skymiles-credit-card/26129-10-0/?print#FeeTable">See rates and fees.</a><strong><br /> </strong></p> <p><a href="http://www.wisebread.com"><strong>Click here to learn more and apply for the Platinum Delta SkyMiles&reg; Credit Card from American Express card today!</strong></a></p> <h2>Delta Reserve Credit Card from American Express</h2> <p><strong>Editor's note: This offer is currently unavailable on this site.</strong> The Delta Reserve Credit Card from American Express offers everything that the other cards do, plus several other perks. The primary benefit is a membership in the Delta SkyClub business lounge network. Cardholders who spend $30,000 in a calendar year earn 15,000 MQMs and 15,000 miles. Those who spend $60,000 in that same year can earn an additional 15,000 MQMs and 15,000 miles. The welcome offer is 10,000 MQMs and 40,000 bonus miles after you spend $3,000 with your card within the first 3 months.</p> <p>Delta also offers Reserve cardholders upgrade priority over other travelers with the same Medallion status, as well as access to concierge services while traveling. Reserve cardholders can gift MQMs to friends and family and get access to Sky Priority lanes at participating airports. Finally, cardholders receive a companion certificate each year for a Domestic First Class or Main Cabin round-trip ticket, for just the price of taxes. There is a $450 annual fee for this card. Terms apply.</p> <p><table class="table-design1"> <tbody> <tr> <td>&nbsp;</td> <td> <p><strong>Blue Delta</strong></p> </td> <td> <p><strong>Gold Delta</strong><strong><br /> </strong></p> </td> <td> <p><strong>Platinum Delta</strong></p> </td> </tr> <tr> <td> <p><strong>Welcome Offer<br /> </strong></p> </td> <td> <p>10k bonus after $500 in purchases within the first 3 months.</p> </td> <td> <p>Limited Time Offer: 50k bonus after $2,000 in purchases within the first 3 months + $50 statement credit after Delta purchase within first 3 months. Additional 10k bonus after additional $1,000 in purchases within the first 6 months. (Offer expires 11/8/2017.)</p> </td> <td> <p>Limited Time Offer: Earn 70k bonus and 10k MQMs after $3,000 in purchases within the first 3 months.&nbsp;$100 statement credit after Delta purchase within first 3 months. (Offer expires on 11/8/2017.)</p> </td> </tr> <tr> <td> <p><strong>Rewards On Purchases</strong></p> </td> <td> <p>2x miles on Delta &amp; US restaurants, 1 mile elsewhere</p> </td> <td> <p>2x miles on Delta, 1 mile elsewhere</p> </td> <td> <p>2x miles on Delta, 1 mile elsewhere</p> </td> </tr> <tr> <td> <p><strong>Checked Baggage</strong></p> </td> <td> <p>N/A</p> </td> <td> <p>Free first checked bag + 8 compantions</p> </td> <td> <p>Free first checked bag + 8 companions</p> </td> </tr> <tr> <td> <p><strong>Miles Boost</strong></p> </td> <td> <p>N/A</p> </td> <td> <p>N/A</p> </td> <td> <p>10k bonus miles + 10k MQMs after $25,000 spend in calendar year. Additional 10k bonus miles + 10k MQMs after $50,000 spend. Total 20k bonus miles and 20k MQMs possible.</p> </td> </tr> <tr> <td> <p><strong>Elite Status</strong></p> </td> <td> <p>N/A</p> </td> <td> <p>Spend $25k each year to waive MQD requirement</p> </td> <td> <p>Spend $25k each year to waive MQD requirement</p> </td> </tr> <tr> <td> <p><strong>Priority Travel</strong></p> </td> <td> <p>N/A</p> </td> <td> <p>Zone 1 Priority Boarding on Delta flights</p> </td> <td> <p>Zone 1 Priority Boarding on Delta flights</p> </td> </tr> <tr> <td> <p><strong>Airport Lounge Access</strong></p> </td> <td> <p>N/A</p> </td> <td> <p>Reduced Rate benefit + 2 guests</p> </td> <td> <p>Reduced Rate benefit +2 guests</p> </td> </tr> <tr> <td> <p><strong>Discounts On In-Flight Purchases</strong></p> </td> <td> <p>20% off in-flight purchases</p> </td> <td> <p>20% off in-flight purchases</p> </td> <td> <p>20% off in-flight purchases</p> </td> </tr> <tr> <td> <p><strong>Companion Certificate</strong></p> </td> <td> <p>N/A</p> </td> <td> <p>N/A</p> </td> <td> <p>Domestic Main Cabin round-trip companion certificate each year upon renewal</p> </td> </tr> <tr> <td> <p><strong>Foreign Transaction Fee</strong></p> </td> <td> <p>2.7%</p> </td> <td> <p>Zero</p> </td> <td> <p>Zero</p> </td> </tr> <tr> <td> <p><strong>Annual Fee</strong></p> </td> <td> <p>$0</p> </td> <td> <p>$95, waived the first year</p> </td> <td> <p>$195</p> </td> </tr> <tr> <td> <p><strong>Rates and Fees Info</strong></p> </td> <td> <p><a href="https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/blue-delta-skymiles-credit-card/26129-10-0/">See rates &amp; fees</a></p> </td> <td> <p><a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/delta-gold-credit-card/26129-10-0/?print#terms-details">See rates &amp; fees</a></p> </td> <td> <p><a href="https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/platinum-delta-skymiles-credit-card/26129-10-0/?print#FeeTable">See rates &amp; fees</a></p> </td> </tr> </tbody> </table> </p> <h3>Which Card Is Right for You?</h3> <p>The best card for you is the one that matches your frequency of travel and preferences for extra benefits. For the cards with an annual fee, your spending level should generate enough rewards to cover the fee, or you're able to take advantage of the extra perks and benefits that make the annual fee well worth it. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access?ref=seealso">Best Credit Cards that Offer Free Airport Lounge Access</a>)</p> <p><span style="font-size: 13px;">Info about the Delta Reserve Credit Card from American Express has been collected independently by Wise Bread. The issuer did not provide the details, nor is it responsible for their accuracy.</span></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Which%20Delta%20SkyMiles%20Credit%20Card%20Has%20the%20Best%20Value-.jpg" alt="Which Delta SkyMiles Credit Card Has the Best Value?" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/american-express-platinum-delta-skymiles-credit-card-review">Platinum Delta SkyMiles® Credit Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/delta-skymiles-reserve-credit-card-from-american-express-review">Delta Reserve Credit Card from American Express Review</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">The Best Travel Reward Credit Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards">The Best Sign-up Bonuses for Airline Miles Credit Cards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access">The Best Credit Cards with Free Airport Lounge Access</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel american express best credit cards Delta SkyMiles Fri, 08 May 2015 06:58:55 +0000 Jason Steele 1417140 at http://www.wisebread.com