rewards credit cards http://www.wisebread.com/taxonomy/term/12766/all en-US 5 Steps to Getting a Free (or Close to Free) Vacation in 9 Months or Less with Credit Cards http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_on_vacation_000044982462.jpg" alt="Couple learning to use credit card sign-up spree for a free vacation" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you want a free vacation at the end of the year? Of course you do! Follow these five simple steps and within nine months, you'll have earned enough rewards points from your credit cards to go on a vacation.</p> <p>Before going ahead with this plan, you should know that the higher your credit score and spending habits, the faster and more efficiently you'll be able to collect your rewards. But don't worry! You don't have to be a big spender with an outrageously high credit score to do this. It may just take you slightly longer to execute.</p> <h2>1. Know Your Credit Score and Make Preparations</h2> <p>Signing up for multiple credit cards in a short period can temporarily deplete your credit score, so timing is everything. It's important that you only do this when your credit is strong. Otherwise you risk being denied for one or more of the cards and your plan will be ruined.</p> <p>Basically, make sure you haven't applied for any credit for three months <em>before </em>you start and plan to not apply for any credit for three months <em>after </em>you've completed it. This is especially true of big credit applications like mortgages and lines of credit.&nbsp;Don't worry, your score will recover (and likely be even better) after a few months with the new cards.&nbsp;</p> <h2>2. Research and Find the Right Cards</h2> <p>People have been signing up for multiple cards to bundle bonus points since credit card companies started paying people to join their clubs. It's a very simple idea, but takes research, discipline, and commitment to actually pull it off properly.&nbsp;</p> <p>First, figure out where you want to go. For example, let's say you want to visit Barcelona, Spain in December. A roundtrip ticket from LAX to BCN cost 60,000 Avios + $650 fees for economy. A 10 night stay at an eligible hotel using Chase Ultimate Rewards points start at 12,000 points (for a two star hotel). Here are the options that will get you there:</p> <ul> <li><a href="http://www.wisebread.com/for-business-travelers-citibusiness-aadvantage-platinum-select-world-mastercard">Citi / AAdvantage Platinum Select MasterCard</a> offers 50,000 AAdvantage bonus miles after spending $3,000 within the first 3 months. Annual fee: $95, <strong>waived for the first year</strong>. (AAdvantage miles are redeemable for Avios reward flights.)<br /> &nbsp;</li> <li><a href="http://www.wisebread.com/chase-sapphire-preferred-review">Chase Sapphire Preferred card</a> offers 50,000 bonus points after spending $4,000 on purchases within the first 3 months. Annual fee: $95, <strong>waived for the first year</strong>. (Chase Ultimate Rewards Points are transferrable to Avios miles.)<br /> &nbsp;</li> <li><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Capital One Venture Card</a> offers 40,000 bonus miles (equal to $400 redeemable as statement credit) after spending $3,000 within the first 3 months. Annual fee: $59, <strong>waived for the first year</strong>.&nbsp;</li> </ul> <p>See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=seealso">Best Credit Cards with Travel Rewards</a></p> <p>The key here is to make sure you know which airlines will take you where you want to go, and then find the corresponding cards that you can use for those airlines. Co-branded <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards">airline credit cards</a> are easy -- the miles will already be in the airline program you want. Other travel rewards cards will offer points that you can <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles">transfer to partner airline programs</a>, and still others will allow you to apply your points as statement credit (you purchase your travel and then use points to pay for it). All of these options have pros and cons (statement credits allow you to have the most flexibility -- you can book with whatever airline or hotel you want -- but with airline miles you can usually get a <a href="http://www.wisebread.com/which-credit-cards-have-the-best-travel-redemption-value">higher value ticket</a> than a straight points to dollars conversion).</p> <p>See also: <a href="http://www.wisebread.com/how-travel-rewards-credit-cards-really-work">How Travel Rewards Credit Cards Work</a></p> <h2>3. Calculate the Spending Requirements</h2> <p>Once you've narrowed down the list of cards that will give you the specific miles/points you need, you need to break down each card's spending requirements to find out how much you'll have to spend to get your bonus points. Using the example above, you'd need to spend the following:</p> <ul> <li>Citi/AAdvantage Platinum Select MasterCard: $3,000 in 3 months</li> <li>Chase Sapphire Preferred Card: $4,000 in 3 months</li> <li>Capital one Venture Card: $3,000 in 3 months</li> </ul> <p>Now I'm not advocating you go on a 10k spending spree to get your free vacation. In order for this to truly be &quot;free&quot; you need to already have about $1300 in monthly expenses that you can charge to a credit card over nine months. This is why you shouldn't sign up for all these cards at the same time. You'd be stuck with trying to spend $3500 per month in order to get the bonus if you were approved for all three cards at once.</p> <p>If it looks like you can meet the spending requirements without overextending yourself, then you can move on to the next step.</p> <h2>4. Apply for the Cards</h2> <p>As mentioned earlier, the better your credit score, the better your chances of being accepted for all of these cards. You are entitled to one free copy of your credit report each year from AnnualCreditReport.com, so take advantage of it.&nbsp;Once you've confirmed that your credit is strong enough, it's time to start applying.</p> <p>Remember, depending on your monthly expenses, you may need to stagger applying for these cards 3 months at a time. If you don't meet the spending requirement, you do not get the bonus points!</p> <p>If you get denied, you can still call the provider and plead your case. Usually the rejection letter will include a reason why you were denied. If you have been told that you have too many credit cards with the same issuer, offer to close one account or lower the credit limit on one of them.</p> <h2>5. Set a Spending Schedule</h2> <p>Once you're approved, you need to be sure to meet the spending requirement. Use the new card for your expenses and monitor it to make sure you are on track to meet the requirements. You can even set alarms for yourself to ensure that you're reaching the spending goals. Once you've met the requirements, it may take 1-2 billing cycles for the bonus points to appear. In the example above, after 9 months, (or less, if you can meet the spending requirements for multiple cards at once) you'll have:</p> <ul> <li>50,000 AAdvantage points (redeemable as Avios)</li> <li>50,000 Chase Ultimate Rewards Points</li> <li>40,000 Venture Rewards miles</li> </ul> <p>To book your flight, first transfer 10k Chase Ultimate Rewards Points to Avios points. Now along with the 50,000 AAdvantage points you effectively have 60k Avios for your rountrip ticket. Book it with your Venture Rewards card (you'll have to pay $650 in fees for the rewards flight). Use your 40k Venture card miles to apply $400 to your purchase. Then use the rest of your Chase Ultimate Rewards points to book your hotel (with 40k points you can get 10 nights at a 4 star hotel). You'd have paid $250 for your 10 day Barcelona flight + hotel.</p> <p>Note that these cards all waive the annual fee for the first year, so you can pocket all of those points in year one without having to pay the yearly fee. After the year is up, the combined annual fees of all of these cards is $249, so it's important that you keep a reasonable spending schedule even after you complete the spree. You'll want to make sure that these are cards you actually want to keep even with the fees -- you can continue to rack up miles and points with these cards for your next free vacation.</p> <h2>Recap</h2> <p>Let's quickly go over the information that we've covered in this article:</p> <ul> <li><a href="http://www.wisebread.com/the-5-best-credit-cards-that-offer-free-credit-scores">Check your credit score</a> and ensure that you're in a good position to apply for multiple cards.<br /> &nbsp;</li> <li>Plan carefully by choosing the best credit cards based on their sign-up bonuses.<br /> &nbsp;</li> <li>Calculate the rewards that you stand to earn.<br /> &nbsp;</li> <li>Apply for the cards.<br /> &nbsp;</li> <li>Keep organized and set a spending schedule to ensure that you meet the minimum spending requirements on each new credit card.</li> </ul> <p>There you have it! It's just that easy. It's worth noting that when paying for a flight with points, you'll still need to pay some taxes and fees. Which is why your vacation is likely to be &quot;close to free&quot; instead of 100% free (in my example above, British Airways charges the most fees for award flights, so choosing another airline will help lower the out-of-pocket and get your much closer to FREE). You can also check out these <a href="http://www.wisebread.com/10-flight-booking-hacks-to-save-you-hundreds">10 flight booking hacks</a> to help make up the difference.</p> <p><em>Have you used the Bonus Spree strategy to earn free travel?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards">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/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you">Cash Back vs Travel Rewards: Pick the Right Credit Card for You</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/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</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/how-to-buy-and-sell-airline-miles">How to Buy and Sell Airline Miles</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/how-travel-rewards-credit-cards-really-work">How Travel Rewards Credit Cards Really Work</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/using-airline-credit-cards-to-score-premium-travel-awards">Using Airline Credit Cards to Score Premium Travel Awards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel free vacation rewards credit cards rewards miles sign up bonuses travel rewards Thu, 28 Jan 2016 19:05:27 +0000 Nick Wharton 1586246 at http://www.wisebread.com Cash Back vs Travel Rewards: Pick the Right Credit Card for You http://www.wisebread.com/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_credit_card_000048180644.jpg" alt="Woman shopping with her credit card cash rewards" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Should you earn <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=inarticle">cash back rewards</a> or <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=inarticle">travel rewards</a> from your credit card? Frankly, it is a question that is nearly as old as reward cards themselves, and the answer has always been &quot;it depends.&quot; Here's a breakdown of the ins and outs of the world of rewards credit cards. Now, you can decide which one will get you the biggest bang for your credit card buck.</p> <p>Of course, you need to be aware that rewards are only rewarding if you pay off your balance in full each month. Otherwise, the interest that you accrue on your balance will always be much more than the rewards you're gaining.</p> <p>But if you're itching to get into the credit card rewards game, here's everything you need to know.</p> <h2>When You Should Choose Travel Rewards</h2> <p>Earning and <a href="http://www.wisebread.com/how-travel-rewards-credit-cards-really-work?ref=internal">redeeming travel rewards</a> can be extremely complicated, so the ideal reward card user should be someone who is willing to put in the time and effort to deciphering their <a href="http://www.wisebread.com/comparing-miles-which-airline-loyalty-program-is-better">favorite airline</a> and <a href="http://www.wisebread.com/the-6-best-hotel-rewards-programs?ref=inarticle">hotel programs</a>. While earning free travel sounds like an amazing deal, some cardholders may find it frustrating trying to redeem the miles or points they've accumulated.</p> <h3>Earning Travel Rewards</h3> <p>Most travel rewards credit cards will offer bonus points or miles for spending in travel categories, like airfare, car rentals, hotel stays, dining, and entertainment.</p> <h3>Value of Travel Rewards</h3> <p>Travel rewards offer the opportunity to get a higher value for each mile or point earned. Rewards are most valuable when redeemed for international flights in business class, expensive last minute flights, and luxury hotels. These points and miles are less valuable when used for domestic flights in economy class, especially when travelers have the ability to book flights with plenty of advanced notice.</p> <p>But when points and miles are redeemed strategically for high value award flights and luxury hotel stays, then it is often possible to receive three to five cents in value per point, which is much better than the best cash back reward cards.</p> <h3>Redeeming Travel Rewards</h3> <p>The opportunity to redeem award travel is different depending on the credit card and loyalty program it is connected with. Some credit cards guarantee no blackout dates or restrictions when booking an award flight or stay. Others only offer a limited number of seats or stays for those redeeming rewards. Others, still, will simply allow you to redeem a statement credit for any travel purchase you make. How you prefer to travel will be the determining factor for which program to join.</p> <p>Co-branded airline or hotel cards will allow you to directly use your miles to redeem award flights or stays through the loyalty program connected to the card. Many times you can book travel with their partner airlines and chains as well. General travel cards might require you to book travel through their portal or allow you to transfer points to the available programs.</p> <p>It can be very hard to redeem airline miles for flights during peak travel seasons, so these programs are not very well suited to those who only travel during the holidays. Furthermore, some avid travelers who have particular travel requirements aren't very well served by traditional airline frequent flyer programs. For example, someone who wants to take shorter flights on routes with healthy competition will never receive much value from 25,000 miles on a flight that might only cost $100-$200. In addition, large families will usually be frustrated in their attempts to find more than two or three award seats available at the lowest mileage levels. Also, those who don't like to stay in large, chain hotels aren't going to have much use for hotel points. Finally, those whose schedules preclude searching for award seats months in advance will also find their miles to be less valuable.</p> <h3>Travel Perks</h3> <p>A big benefit of travel rewards cards are the included <a href="http://www.wisebread.com/travel-perks-you-didnt-know-your-credit-card-had">travel perks</a>. For frequent travelers (or those who simply hate the discomfort of travel), perks like priority boarding, status upgrades, lounge access, and free checked bags may prove to be valuable on its own.</p> <h2>When You Should Choose Cash Back</h2> <p>For many credit card users, even some who love to travel, cash back credit cards remain their best option. Using a cash back card like this allows cardholders to use their rewards for travel, paying bills, or for any other purpose they choose.</p> <h3>Earning Cash Rewards</h3> <p>Many cash back cards offer bonus points in general shopping categories, like groceries, department stores, and gas. They may also have a shopping portal that offers extra points for shopping with their partner merchants.</p> <h3>Value of Points</h3> <p>While the best travel hackers are able to get anywhere from three to five cents per point, cash back points usually have a one cent per point value. While the opportunity for point value is lower, cash back programs are simple and cardholders are guaranteed a predictable rate of return from their credit card rewards, without having to decipher loyalty programs or search for award availability. For those who have trouble redeeming their travel rewards, they run the risk of getting no value from the points they've accumulated.</p> <h3>Redeeming Cash Rewards</h3> <p>Redeeming your cash rewards is usually as simple as getting a statement credit or direct deposit into your account. Some require a minimum amount before redemption. You may also have the opportunity to redeem gift cards or products.</p> <h3>Shopping Perks</h3> <p>Many cards offer invaluable <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about">perks for shoppers</a>, like extended warranties, purchase and price protection, and credit monitoring services.</p> <p>Reward credit cards offer valuable points, miles, and cash back for your spending, but choosing the best reward card is not that easy. By considering the type of travel you prefer, you can decide if travel rewards or cash back card are right for you.</p> <p>See our picks for best credit cards:</p> <ul> <li><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">Best Travel Rewards Credit Cards</a></li> <li><a href="http://www.wisebread.com/5-best-cash-back-credit-cards">Best Cash Back Credit Cards</a></li> <li><a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards">Best Sign-Up Bonuses for Airline Miles Credit Cards</a></li> <li><a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards">Best Credit Cards for Hotel Deals and Rewards</a></li> <li><a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">Best Credit Cards for Groceries</a></li> <li><a href="http://www.wisebread.com/the-5-best-credit-cards-for-dining-out">Best Credit Cards for Dining Out</a></li> <li><a href="http://www.wisebread.com/the-5-best-premium-credit-cards">Best Premium Credit Cards</a></li> <li><a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards">Best 0% Balance Transfer Credit Cards</a></li> <li><a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards">Best Low Interest Rate Credit Cards</a></li> <li><a href="http://www.wisebread.com/the-5-best-credit-cards-with-annual-fees">Best Credit Cards with Annual Fees</a></li> <li><a href="http://www.wisebread.com/the-5-best-credit-cards-with-no-annual-fees">Best Credit Cards with No Annual Fees</a></li> </ul> <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/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you">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/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards">5 Steps to Getting a Free (or Close to Free) Vacation in 9 Months or Less with Credit Cards</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/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</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/how-to-buy-and-sell-airline-miles">How to Buy and Sell Airline Miles</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/how-travel-rewards-credit-cards-really-work">How Travel Rewards Credit Cards Really Work</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/using-airline-credit-cards-to-score-premium-travel-awards">Using Airline Credit Cards to Score Premium Travel Awards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel cash back rewards credit cards travel rewards Tue, 24 Mar 2015 13:00:09 +0000 Jason Steele 1351239 at http://www.wisebread.com The 5 Best Credit Cards With Airline Companion Tickets http://www.wisebread.com/the-5-best-credit-cards-with-airline-companion-tickets-and-3-bad-ones <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-credit-cards-with-airline-companion-tickets-and-3-bad-ones" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000019705709Small.jpg" alt="Family getting on a plane" title="Family getting on a plane" class="imagecache imagecache-250w" width="250" height="134" /></a> </div> </div> </div> <p>For as long as I can remember, the standard sign-up bonus for a rewards credit card has been a &quot;free flight.&quot; Yet the truth is that these award flights are no longer free. Between reduced award availability and increased taxes and fees, this benefit has steadily become less valuable. Nevertheless, there is one credit card perk that, while not free, is actually gaining in value. The offer of a companion ticket &mdash; a free or discounted ticket for someone traveling with you on the same flight &mdash; will always be worth more as airline ticket prices rise. At the same time, it is important to note that all companion tickets are not created equal. Let's take a look at the top credit cards that feature an airline companion ticket offer. (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=seealso">The Best Travel Rewards Cards</a>)</p> <h2>Southwest Airlines Rapid Rewards Premier Credit Card</h2> <p>The Southwest Airlines Rapid Rewards&reg; Premier Credit Card does not offer companion passes directly; it just makes it faster to earn one. First, sign up for the card and enjoy a sign-up bonus of 25,000 Rapid Rewards&reg; points after you spend $1,000 in purchases in the first 3 months of opening your account. Also get 6,000 points after your Cardmember Anniversary. These points count toward the 110,000 points necessary to earn a companion pass that is valid until the end of the following year.</p> <p>Unlike other passes that are only good for one ticket, once this Southwest pass is earned, travelers can use it for unlimited free travel for a companion on both paid and award flights. So if you buy a flight for yourself, or redeem points for an award, your companion flies free. Therefore, the value of this pass is limited only by the amount of traveling you do. There is a $99 annual fee.</p> <h2>British Airways Visa Signature Card</h2> <p>Not only did Chase make waves with the British Airways Visa Signature&reg; Card by offering a big sign-up bonus (currently 50,000 Avios after $2,000 in purchases within the first 3 months of account opening, plus an additional 25,000 bonus Avios when you spend $10,000 on purchases for a total of 75,000 bonus Avios), but they give you the opportunity to earn a free companion award they call their &quot;Travel Together&quot; ticket. Cardholders receive this when they spend $30,000 in purchases on their British Airways Visa card within a calendar year. When booking an award flight operated by British Airways, the Travel Together ticket can be redeemed for a second seat for no additional points and is good for two years. Unfortunately, the second person will have to pay additional taxes and fuel surcharges. Since these charges can equal the cost of a coach ticket, using this companion certificate only makes sense when flying in business or first class. Cardholders also earn 3 Avios for every dollar spent on British Airways purchases and 1 Avios on other purchases. There are no foreign transaction fees and the annual fee is $95.</p> <h2>Miles &amp; More Premier World MasterCard</h2> <p>Barclay's Miles &amp; More Premier World Mastercard offers an annual companion ticket after the first purchase, and each year after that. Cardholders earn two miles per $1 spent on airline partner tickets, and one mile per $1 spent on other purchases. Miles can be redeemed for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners. There are no foreign transaction fees and includes online FICO Credit Score Access. There is an annual fee of $79, waived for Senator and HON Circle Members.</p> <p><strong>Sign up offer</strong>: Earn 20,000 miles after your first purchase.</p> <h2>Alaska Airlines Visa Signature Card</h2> <p>Cardholders receive an annual $99 coach Companion Fare. The pass can be used on any paid flight in coach. Cardholders also earn 3 miles for every $1 spent on Alaska Airlines tickets and Vacation Packages, as well as inflight purchases, and 1 mile for every $1 spent on other purchases. There is no mileage cap and miles won't expire. There is a $75 annual fee.</p> <p><strong>Sign up offer:</strong> Earn 25,000 miles upon approval.</p> <p>Applying for a credit card with a companion ticket offers can be a great way to slash your travel costs nearly in half. By focusing on the best offers out there, and dismissing the ones of questionable value, you can ensure that you will not be disappointed when it comes time to book that half price vacation with your favorite travel companion.</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/the-5-best-credit-cards-with-airline-companion-tickets-and-3-bad-ones">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-14"> <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/the-5-best-credit-cards-for-groceries">The 5 Best Credit Cards for Groceries</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/how-to-get-5-cash-back-on-holiday-purchases">How to Get 5% Cash Back on Holiday Purchases</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-worst-holiday-credit-cards">The Worst Holiday 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/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/5-best-co-branded-airline-credit-cards">5 Best Co-Branded Airline Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping airlines best credit cards flying rewards credit cards Fri, 24 Aug 2012 10:36:40 +0000 Jason Steele 951918 at http://www.wisebread.com How to Buy and Sell Airline Miles http://www.wisebread.com/how-to-buy-and-sell-airline-miles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-buy-and-sell-airline-miles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/buysellmiles-5270782-small.jpg" alt="airplane button" title="airplane button" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Most airlines these days have frequent flyer programs where you can use your accumulated miles to redeem rewards, often in the form of flight tickets. (See also: <a href="http://www.wisebread.com/the-cheapest-way-to-fly-to-europe">The Cheapest Way to Fly to Europe</a>)</p> <p>It's great when you earn enough miles to pay for free trips, but you don't necessarily have to wait for your miles to build up before you reap the fruits of your miles.&nbsp;You can also buy, sell, and transfer frequent flyer miles to get a deal you want.</p> <h2>How to Buy Miles</h2> <p>You can purchase miles directly from an airline by visiting their rewards program page. (For American Airlines, it's <a href="http://www.aa.com/i18n/AAdvantage/purchasingMiles/main.jsp">AAdvantage</a>; for Delta, it's <a href="http://www.delta.com/skymiles/index.jsp">Sky Miles</a>; British Airways has the <a href="http://www.britishairways.com/travel/echome/public/en_us?link=top_nav">Executive Club</a>, and so on.) Simply hit the &quot;Buy Miles&quot; link, and they'll walk you through the process.</p> <p>The cost of miles varies from airline to airline. For example, Delta's miles cost 3.5 cents per mile, while American Airlines sell theirs for 2.5 to 2.75 cents per mile. Generally, buying miles only makes sense when you're just shy of a goal and you buy only enough miles to reach it. You don't want the value of your purchased miles to exceed the value of the ticket.</p> <p>Another way to buy miles is through coupon broker sites. Now, buying and selling through a broker violates the policy of most airlines, but it's not illegal (except in the state of Utah). However, if you're caught, the airline may confiscate your ticket, cancel your reservation, and wipe out the accumulated miles in your (and the seller's) frequent flyer account.</p> <p><img width="605" height="303" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/buysellmiles-3842549-small.jpg" /></p> <p>If you're willing to take the risk, start by visiting the website of a coupon broker. The broker acts as the middleman between you and the seller. The broker will ask for your contact information, your preferred travel dates, service class (such as business or first), airline, and the price you're willing to pay per mile. Once the broker matches you with a seller, and all parties agree to the terms, the broker will ask you for your rewards account number. When the broker receives your payment, the seller will transfer the miles to your frequent flyer account.</p> <p>If all goes well, any purchase (or sale) through a coupon broker should look like a simple transfer from the airline's point of view.&nbsp;</p> <p><img width="605" height="303" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/buysellmiles-credit-card-2293897-small.jpg" /></p> <h2>How to Sell Miles</h2> <p>It's great when you can get a free trip out of your miles&hellip;but what do you do when you don't want your reward? Even if you don't want your points, someone else might.</p> <p>Airlines don't like it when their customers sell miles, so if you want to convert your miles to cash, we're back in violates-policy-but-not-illegal-except-in-Utah territory.</p> <p>If you want to sell your miles through a coupon broker, you first need to provide your contact information. The broker will also ask for the number of miles you want to sell (most require a minimum amount), the name of the airline, the expiration dates, and your asking price per mile. When they find a buyer, you'll transfer your miles to the buyer's account. You receive payment when the transaction is complete.</p> <p>You can cut out the middleman by selling directly to your friends or family. It works just like a transfer, except that you'll receive money, gifts, or free labor for the miles. This method may not flag the airline's attention, but there are other risks involved &mdash; especially if the buyer can't find seats for the trip they want. (See also: <a href="http://www.wisebread.com/5-tips-for-scoring-a-frequent-flyer-rewards-flight">How to Score a Frequent Flyer Rewards Flight</a>)</p> <p><img width="605" height="303" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/buysellmiles-gift-5213609-small.jpg" /></p> <h2>How to Transfer Miles</h2> <p>Airlines allow you to give your miles to family, friends, and even charities, provided that the recipient also has an account with the airline. Simply click on the &quot;Transfer Miles&quot; link on the airline's rewards program page and enter your account information, the recipient's information, and the number of miles you want to transfer.</p> <p>Even though you're freely sharing miles that you have already earned, don't assume that sharing the miles is free. As with buying miles, airlines charge a processing fee for transfers.</p> <h2>Other Ways to Use Your Miles</h2> <p>In order to compete with other reward programs, airlines have had to make their frequent flyer miles more flexible. Nowadays, if you don't want to use your miles on a plane ticket, you can apply them to another part of your trip. Airlines will allow you to redeem rewards for hotel accommodations, rental cars, vacation packages, Broadway show tickets, gift cards, and more. (See also: <a href="http://www.wisebread.com/save-money-on-travel-accommodations">How to Save on Travel Accommodations</a>)</p> <p>To redeem these other rewards, you may need to go through <a href="http://www.kqzyfj.com/click-2822544-10485462/" target="blank">Points.com</a>. This website allows you to manage and exchange your reward points between their partnered programs. Their partners include several large airlines, such as Delta, JetBlue, Korean Air, and American Airlines. They're also partnered with Best Buy, Hilton, CVS, Wells Fargo, <a target="_blank" href="http://www.jdoqocy.com/click-2822544-10967374-1438279993000?sid=alu-650007">Swagbucks</a>, and other retailers. While the site is free to join, transaction or processing fees still apply and will vary. Some airlines may also restrict how you can use the miles in their program.</p> <p>The exchange rate on Points.com may also be an issue. You won't find a 1:1 exchange here; a good chunk (if not most) of the value of your miles will be lost, guaranteed. Then again, sitting on miles that you won't ever use doesn't help much, either. It can be worth your while to make an exchange if there's a reward that you want and can use.</p> <p><img width="605" height="303" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/airplane-5320152-small.jpg" /></p> <h2>Final Tips on Buying and Selling Airline Miles</h2> <ul> <li>No matter what you do, there will be a processing fee. The fee varies from airline to airline and depends on the type of transaction (buy or transfer), as well as the number of miles involved. Remember to factor in the processing fee (and taxes) when you calculate the costs.<br /> &nbsp;</li> <li>Most airlines set caps on the number of miles you can buy, receive, and transfer per year, per account. Check the terms and conditions of your rewards program to make sure you don't exceed the limit.<br /> &nbsp;</li> <li>As with most electronic transactions, there's a delay before you see the purchase or transfer (or sale-transfer) reflected in your account. It can take 1-3 days to process a transaction, so plan any last-minute trips accordingly.<br /> &nbsp;</li> <li>Most transactions involving frequent flyer miles are non-refundable.</li> </ul> <p><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">Click here for the best travel reward card offers.</a></p> <p><a href="http://www.wisebread.com/topic/personal-finance/credit-cards">Click here for the Ultimate Credit Card Guide.</a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/how-to-buy-and-sell-airline-miles">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/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards">5 Steps to Getting a Free (or Close to Free) Vacation in 9 Months or Less with Credit Cards</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/5-best-sign-up-bonuses-for-airline-miles-credit-cards">5 Best Sign-up Bonuses for Airline Miles Credit Cards</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/5-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</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/6-ways-to-sell-or-donate-your-airline-miles">6 Ways to Sell or Donate Your Airline Miles</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/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you">Cash Back vs Travel Rewards: Pick the Right Credit Card for You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel airline miles cheap vacations frequent flyer miles rewards credit cards Fri, 05 Aug 2011 10:36:06 +0000 Amy Lu 650007 at http://www.wisebread.com Perform a Credit Card Rewards Annual Review http://www.wisebread.com/perform-a-credit-card-rewards-annual-review <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/perform-a-credit-card-rewards-annual-review" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2828682635_19abba5a8e_o.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In my mail this week I received a &ldquo;Rewards Guide&rdquo; from two of my credit card companies. These guides are brightly colored, well-laid out catalogs explaining all of the rewards available to me. I&rsquo;ve never received such a fancy-looking piece of mail from a credit card company before. Maybe it&rsquo;s the fact that more people are turning to debit cards, or credit card companies are fighting over the limited amount of money people are spending these days, but whatever the reason, it was a pleasant surprise to get these catalogs with such helpful information.</p> <p>In looking through the catalogs, I realized that there was a lot I didn&rsquo;t know about my cards. I use three &mdash; an American Express card for travel and product purchases because of their various warranties and protections, a Capital One for travel abroad (no conversion fees) and extended warranties at stores that don&rsquo;t take American Express, and a Chase for everyday purchases like groceries and gas. (If you&rsquo;re wondering what types of rewards your card might offer check out the <a href="http://www.wisebread.com/ultimate-credit-card-perks-checklist-benefits-you-don-t-know-about">Ultimate Guide to Credit Card Rewards</a>.)</p> <p>As part of annual financial planning, it seems that a good plan is to conduct an annual credit card rewards review:</p> <h3>1. Look at Reward-Program Information to Find New or Unnoticed Rewards</h3> <p>Here are some things I learned in browsing the catalogs I received and the actions I will take from learning them:</p> <ul> <li><strong>One of my cards gives an &ldquo;annual bonus&rdquo;</strong> in November, which essentially puts the rewards at 1.25%. My action: Check to see if I got this bonus and how much it is for.<br /> &nbsp;</li> <li><strong>T</strong><strong>here are bonus offers up to 15%</strong>&nbsp;at various stores I frequently shop at for one of my cards. My action: See if these bonus cash-back purchases are only for online or for in-store too. Then make a mental note to use that card when shopping at that store.<br /> &nbsp;</li> <li><strong>One card only gives additional travel bonuses for the first $5,000</strong> spent on travel<strong>.</strong> My Action: Check to see if I went over this limit last year and start using a different card if that is the case.<br /> &nbsp;</li> <li><strong>One card gives me extra bonuses for dining at restaurants</strong> for an additional $25/year.<strong> </strong>My Action: Check to see if last year I would have earned enough in extra bonuses to make this worthwhile. (To check this see #2 below.)</li> </ul> <h3>2. Review Annual Statements to See If You Are Using the Right Cards</h3> <p>Each year my credit card companies send annual statements of how much I spent in various categories. Look through yours to see if you are really spending money on the cards that will give the best benefits in those categories.</p> <h3>3. Consider What, If Anything, You Will Do Differently This Year</h3> <p>If you find that there is a reward with one card that you aren&rsquo;t taking advantage of, or that you are always using a certain card that isn&rsquo;t giving you many rewards, make a conscious mental note and do something differently this year. Maybe that means leaving a useless card at home, or changing your Amazon account to charge to a different card.</p> <p>I don&rsquo;t advocate that you spend an entire day conducting an annual review of your credit card rewards, but the amount of both money and hassle you can save by using the right card and the right time can add up. So take an hour from your day, see how many rewards you are earning, and figure out if you can do anything differently this year.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/elizabeth-lang">Elizabeth Lang</a> of <a href="http://www.wisebread.com/perform-a-credit-card-rewards-annual-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-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/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards">5 Steps to Getting a Free (or Close to Free) Vacation in 9 Months or Less with Credit Cards</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/how-to-buy-and-sell-airline-miles">How to Buy and Sell Airline Miles</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/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you">Cash Back vs Travel Rewards: Pick the Right Credit Card for You</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-5-best-credit-cards-with-airline-companion-tickets-and-3-bad-ones">The 5 Best Credit Cards With Airline Companion Tickets</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/credit-card-rewards-programs">Credit Card Rewards Programs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards financial planning rewards credit cards rewards programs Tue, 25 Jan 2011 13:00:54 +0000 Elizabeth Lang 470419 at http://www.wisebread.com The Worst Holiday Credit Cards http://www.wisebread.com/the-worst-holiday-credit-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-worst-holiday-credit-cards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/shedboy_4246259612_afa3e6eb2c_z.jpg" alt="santa doll" title="santa doll" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Here are three fictional cards you definitely don't want this holiday shopping season &mdash; and their real-life counterparts that you might want in your wallet instead.</p> <h3>Santa's Sleigh Miles Card</h3> <p><em>Terms &amp; Conditions &mdash; Free flight to anywhere in the world where Santa's sleigh stops. Only good one night a year. No carry-on bags allowed due to limited space. One-way ticket only. Limited number of seats available; first come, first serve.</em></p> <p>Do you ever feel like your <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">travel rewards card</a> has restrictions like this that make it hard to redeem the points you earn? Certainly this fictional card is an extreme example, but as the airlines struggle with profitability, their reward programs seem to get less flyer-friendly.</p> <p>It's hard to find a frequent flyer program that doesn't have blackout dates, because those high-travel days are when the airlines make a big chunk of their money. But you can look for cards that have a simplified rewards redemption policy. Find a card that has no blackout dates or seat restrictions, and easy to follow instructions for redeeming an award flight.</p> <p><span style="font-size: 13px; line-height: 1.7em;">If you're tired of building up miles without being able to use them, one thing you could look into is using your rewards perks for other things when you travel, rather than a free flight.</span></p> <p>Something else to keep in mind: Check for promotions when signing up for travel cards. Especially at this peak travel time of the year <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards" target="_blank" title="5 Best Sign-up Bonuses for Airline Miles Credit Cards">airline credit-card rewards</a> are being handed out in pretty generous chunks.</p> <h3>Ebenezer Scrooge Charity Card</h3> <p><em>Terms &amp; Conditions &mdash; For every dollar spent, 1/10,000th of a penny will be donated to the charity of your choice. Bah Humbug!</em></p> <p>Of course, there's no such thing as a Scrooge charity credit card, but some affinity cards sometimes pay low enough rewards they feel that way. The nice thing about charity credit cards is that the money you earn in rewards will automatically go to the cause you want to support.</p> <p>Unfortunately, the amount you earn on most of these cards is less than you can earn with <a href="http://www.wisebread.com/5-best-cash-back-credit-cards">the top cash-back rewards cards</a>. One alternative is to use the cash-back card instead and send the money in yourself. If you decide to use this approach, you'll want to see whether the cash-back card applies it as a statement credit on your card or actually sends you a check that you can cash and mail in as a donation.</p> <p>One of the benefits of an affinity card, like one from the Sierra Club or The Nature Conservancy, is that you show support for your cause every time a salesperson swipes it. The design and logo may be eye catching and have the potential to strike up a conversation and help raise awareness.</p> <p>If you use a cash-back card instead, you won't have your organization's logo on the card. However, there are other ways to display your support (tote bags, pins, bumper stickers) while also earning more money for your cause.</p> <h3>Rudolph Red Card</h3> <p><em>Terms &amp; Conditions &mdash; Card will light up and glow a fog-piercing red once you've exceeded your Christmas budget. In addition, it plays Rudolph the Red Nose Reindeer non-stop until you've paid off your holiday purchases.</em></p> <p>Public embarrassment from this made-up card isn't what any of us would choose, but if it would help us stay on budget, maybe it wouldn't be such a bad idea. There are a few options if you&rsquo;re worried about spending over your budget this holiday.</p> <p>Set up alerts for spending limits and payment due dates. Don't let the holiday activities make you forget about watching your budget or sending in a payment. It's easy to lose track when your routine gets disrupted.</p> <p>Hopefully this has given you a few pointers and options to help you maximize card rewards and minimize holiday debt this shopping season. There are a lot of holiday <a href="http://moneysmartlife.com/credit-card-promotions-holiday-shopping/">credit-card promotions</a> going on for the shopping season that can earn you bonuses for signing up and spending. Be sure to look at how you earn and redeem rewards and which are best for you.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ben-edwards">Ben Edwards</a> of <a href="http://www.wisebread.com/the-worst-holiday-credit-cards">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/the-5-best-credit-cards-with-airline-companion-tickets-and-3-bad-ones">The 5 Best Credit Cards With Airline Companion Tickets</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/how-to-get-5-cash-back-on-holiday-purchases">How to Get 5% Cash Back on Holiday Purchases</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/surprising-ways-to-save-even-more-on-black-friday">Surprising Ways to Save Even More on Black Friday</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/25-easy-ways-to-save-money-but-still-get-what-you-want-during-holiday-shopping">25+ Easy Ways to Save Money But Still Get What You Want During Holiday Shopping</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/best-credit-cards-for-the-holidays">Best Credit Cards for the Holidays</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping Christmas holiday shopping rewards credit cards Mon, 06 Dec 2010 14:00:20 +0000 Ben Edwards 344118 at http://www.wisebread.com