sign up bonus http://www.wisebread.com/taxonomy/term/13627/all en-US The Best Sign-up Bonuses for Airline Miles Credit Cards http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-best-sign-up-bonuses-for-airline-miles-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_fly_000039453818.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>In an effort to attract new cardholders, issuers often offer amazing bonuses for their&nbsp;<a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=5x">travel rewards credit cards</a>. When handled responsibly, these offers are legitimate ways to earn free or discounted travel. (See also: <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?ref=5x">5 Steps to Getting a Free Vacation in 9 Months with Credit Cards</a>)</p> <h2>Current Top Sign-Up Bonuses</h2> <p>Keep in mind that these bonuses come with spending requirements, usually a specific amount within a certain time frame. Returns don't count, so you have to actually make and keep the purchases. Never overreach with your finances in order to meet the minimum spending requirement for the bonus rewards. You'll never come out ahead, since rewards credit cards usually have high APRs. (See also: <a href="http://www.wisebread.com/5-smart-ways-to-meet-a-rewards-card-minimum-spending-requirement?ref=5x">5 Smart Ways to Meet a Rewards Card Minimum Spending Requirement</a>)</p> <h2>Chase Sapphire Preferred&reg; Card</h2> <p><img src="http://www.imgsynergy.com/191x120/chase-sapphire-preferred-card-110716.png" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" alt="" width="154" border="0" height="97" /><a href=" http://ct.wisebread.com/click.php?pg=22&amp;pid=38&amp;pp=1&amp;uv=xcardbutton" target=" rel=" 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://ct.wisebread.com/click.php?pg=22&amp;pid=38&amp;pp=1&amp;uv=xname" target="_blank" rel="nofollow">Chase Sapphire Preferred&reg; Card</a> has an attractive bonus for new cardmembers. Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That&rsquo;s $625 in travel when you redeem through Chase Ultimate Rewards&reg;. You can also earn an extra 5,000 points after adding an authorized user and make a purchase within the first 3 months from account opening. Earn 2X points on travel and dining at restaurants and 1 point per dollar spent on all other purchases worldwide. This card allows you to transfer points on a 1:1 value to participating frequent travel programs, which means 1,000 Chase points equal 1,000 partner miles/points. The annual fee of $95 is waived the first year.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=22&amp;pid=38&amp;pp=1&amp;uv=xend">Click here to learn more and apply for the Chase Sapphire Preferred&reg; Card today!</a></strong></p> <h2>Bank of America&reg; Travel Rewards Credit Card</h2> <p><img src="http://www.yceml.net/0832/12994368-1501687527833" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" width="154" border="0" height="97" /><a href="http://ct.wisebread.com/click.php?pg=22&amp;pid=18&amp;pp=2&amp;uv=xcardbutton" rel="nofollow" alt="BankAmericard Travel Rewards&reg; Credit Card" title="BankAmericard Travel Rewards&reg; Credit Card" target="_blank" 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 target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=22&amp;pid=18&amp;pp=2&amp;uv=xname">Bank of America&reg; Travel Rewards Credit Card</a> offers 20,000 online bonus points if you make at least $1000 in purchases in the first 90 days. These bonus points can be redeemed as a $200 statement credit toward travel purchases. Earn 1.5 points per $1 spent on every purchase, with no limit to the points you can earn and no expiration date on the points. Points can be redeemed as a statement credit to pay for flights, hotels, vacation packages, and more with no blackout dates and restrictions. This card has <strong>no annual fee</strong>.</p> <p><strong><a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=22&amp;pid=18&amp;pp=2&amp;uv=xend">Click here to learn more and apply for the Bank of America&reg; Travel Rewards Credit Card today!</a></strong></p> <h2>The JetBlue Plus Card</h2> <p><img src="http://www.imgsynergy.com/191x120/jetblue-plus-031116.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" width="154" border="0" height="97" /><a href="http://ct.wisebread.com/click.php?pg=22&amp;pid=116&amp;pp=3&amp;uv=xcardbutton" rel="nofollow" alt="The JetBlue Plus Card" title="The JetBlue Plus Card" target="_blank" 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 target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=22&amp;pid=116&amp;pp=3&amp;uv=xname">JetBlue Plus Card</a> offers cardholders 30,000 bonus points after spending $1000 in purchases in the first 90 days. This card also awards 6x points per dollar on JetBlue purchases, 2x points for restaurants and grocery stores, and 1x point for all other purchases. Redeem points for any seat, at any time on JetBlue-operated flights, and get 10% of your points back every time you redeem. You can also share points in a family account through the Family Pooling program. Plus, get 50% savings on eligible inflight purchases. The annual fee for the card is $99.</p> <p><strong><a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=22&amp;pid=116&amp;pp=3&amp;uv=xend">Click here to learn more and apply for the The JetBlue Plus Card today!</a></strong></p> <h3>Capital One&reg; Venture&reg; Rewards Credit Card</h3> <p><img src="http://imgsynergy.com/product_creatives/9cac7606371ffe30a1bd49c860235e9c.png" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" alt="" width="154" border="0" height="97" /><a href="http://ct.wisebread.com/click.php?pg=22&amp;pid=26&amp;pp=4&amp;uv=xcardbutton" rel="nofollow" alt="Capital One&reg; Venture&reg; Rewards Credit Card" title="Capital One&reg; Venture&reg; Rewards Credit Card" target="_blank" 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 target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=22&amp;pid=26&amp;pp=4&amp;uv=xname">Capital One&reg; Venture&reg; Rewards Credit Card</a> is offering a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening (equal to $400 in travel). You also earn unlimited 2x miles per dollar on every purchase, every day &mdash; and miles don't expire for the life of the account. There are no blackout dates. The annual fee of $59 is waived for the first year.</p> <p><a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=22&amp;pid=26&amp;pp=4&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Venture&reg; Rewards Credit Card</strong></a></p> <h2>Citi&reg; / AAdvantage&reg; Platinum Select&reg; World Elite&trade; Mastercard&reg;</h2> <p><img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/CitiAAdvantagePlatinumSelectMasterCard-0601.jpg" style="float:right;margin:0 5px 5px 10px;" class="img-exempt" width="154" border="0" /><a style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;" href="http://ct.wisebread.com/click.php?pg=22&amp;pid=52&amp;pp=5&amp;uv=xcardbutton" target="_blank"><img alt="" class="img-exempt img-button" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a></p> <p>New cardholders of the <a href="http://ct.wisebread.com/click.php?pg=22&amp;pid=52&amp;pp=5&amp;uv=xname" target="_blank">Citi&reg; / AAdvantage&reg; Platinum Select&reg; World Elite&trade; Mastercard&reg;</a>&nbsp;from our partner Citi earn 30,000 American Airlines AAdvantage&reg;&nbsp;bonus miles after making $1,000 in purchases within the first 3 months of account opening. The card offers 2x miles on American Airlines purchases and 1 mile on other purchases. Other benefits include free first checked bag, preferred boarding, and 10% redeemed miles rebate up to 10,000 per year. The annual fee is $95, waived for the first year.</p> <p><a href="http://ct.wisebread.com/click.php?pg=22&amp;pid=52&amp;pp=5&amp;uv=xend" target="_blank"><strong>Click here to learn more and apply for the Citi&reg; / AAdvantage&reg; Platinum Select&reg; World Elite&trade; Mastercard&reg; today!</strong></a></p> <h2>Gold Delta SkyMiles&reg; Credit Card from American Express</h2> <p><img alt="" src="http://www.imgsynergy.com/191x120/gold-delta-skymiles-credit-card-from-american-express-022415.png" style="float:right;margin:0 5px 5px 10px;" class="img-exempt" width="154" border="0" /><a style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;" href="http://ct.wisebread.com/click.php?pg=22&amp;pid=9&amp;pp=6&amp;uv=xcardbutton" target="_blank"><img alt="" class="img-exempt img-button" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a></p> <p>With the <a href="http://ct.wisebread.com/click.php?pg=22&amp;pid=9&amp;pp=6&amp;uv=xname" target="_blank">Gold Delta SkyMiles&reg; Credit Card from American Express</a>, you earn 30,000 bonus miles after spending $1,000 within the first 3 months, plus a $50 statement credit if you make a Delta purchase within the first 3 months. This card also offers 2x miles on purchases made directly with Delta and 1x mile on other eligible purchases. Get your first checked bag free, priority boarding, and discounts on in-flight food and beverages, as well as other travel benefits. The $95 annual fee is waived for the first year. 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> <p><a href="http://ct.wisebread.com/click.php?pg=22&amp;pid=9&amp;pp=6&amp;uv=xend" target="_blank"><strong>Click here to learn more and apply for the Gold Delta SkyMiles&reg; Credit Card from American Express today!</strong></a></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p style="text-align: center;"><a data-pin-do="buttonPin" data-pin-color="red" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-best-sign-up-bonuses-for-airline-miles-credit-cards&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Best%2520Sign-up%2520Bonuses%2520for%2520Airline%2520Miles%2520Credit%2520Cards.jpg&amp;description=5%20Best%20Sign-up%20Bonuses%20for%20Airline%20Miles%20Credit%20Cards"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a></p> <h2 style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Best%20Sign-up%20Bonuses%20for%20Airline%20Miles%20Credit%20Cards.jpg" alt="" width="250" height="374" /></h2> <p>&nbsp;</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/5-best-sign-up-bonuses-for-airline-miles-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-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/top-5-travel-reward-credit-cards">The Best Travel Reward 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-credit-cards-that-transfer-points-to-airline-miles">The Best Credit Cards that Transfer Points to 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/this-might-be-the-best-travel-rewards-program-no-matter-what-airline-you-fly">This Might Be the Best Travel Rewards Program (No Matter What Airline You Fly)</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-credit-cards-for-hotel-deals-and-rewards">The Best Credit Cards for Hotel Deals and Rewards</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-cash-back-credit-cards">The Best Cash Back Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel airline miles best credit cards credit card rewards sign up bonus Fri, 09 Dec 2011 11:36:38 +0000 Jason Steele 817911 at http://www.wisebread.com 6 Myths About Using Credit Cards for the Sign-Up Bonuses http://www.wisebread.com/6-myths-about-using-credit-cards-for-the-sign-up-bonuses <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-myths-about-using-credit-cards-for-the-sign-up-bonuses" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/credit_cards.jpg" alt="Sample credit cards" title="Sample credit cards" class="imagecache imagecache-250w" width="250" height="250" /></a> </div> </div> </div> <p>Not surprisingly, people have very different opinions about signing up for a credit card just to get the bonus dollars or points.</p> <p>The common points for and against are:</p> <ul> <li><strong>It&rsquo;s a waste of time and damages your credit score:</strong> On the one hand, some folks tend to think that the time you spend signing up for credit cards is hardly worth the effort. They think it&rsquo;s a poor man&rsquo;s game that ultimately leads to more losses than gains. Better, so they say, to focus on other more enjoyable and profitable uses of your time. (See also: <a href="http://www.wisebread.com/how-to-improve-your-credit-score">How to Improve Your Credit Score</a>)<br /> &nbsp;</li> <li><strong>It&rsquo;s the best way to earn extra cash and perks:</strong> On the other hand, some people sign up for credit card bonuses like it was a second job. They track offers and only sign up for the best credit card sign-up bonuses. This hobby allows them to do things they otherwise could never afford.</li> </ul> <p>So who&rsquo;s correct? If you are smart and responsible, I think you can come away with some very sweet bonuses and rewards by taking advantage of credit card sign-up promotions. In fact, I think that most people opposed to sign-up bonuses are opposed based on six myths.</p> <h3>Myth 1: It&rsquo;s going to trash my credit score.</h3> <p>Signing up for multiple credit cards certainly won&rsquo;t help your credit score. But for most people, the credit impact is minimal. In a two month period, I once signed up for two credit cards. The total drop in my FICO score over that two-month period was six points. That&rsquo;s little more than a hiccup and certainly couldn&rsquo;t be categorized as trashing my credit score.</p> <h3>Myth 2: You must protect your credit score at all costs.</h3> <p>When lenders set your interest rates, they do so on a scale basis.</p> <p>For example, <a href="http://www.myfico.com/LoanCenter/Refinance/Step1/GetTheScores.aspx">myFICO reports</a> that a 760&ndash;850 score will allow you to get a 4.662% APR on 30-year fixed mortgages. If your score is between 700&ndash;759, then your rate is 4.885%.</p> <p>Thus, for example, if John Doe has a credit score of 800, he doesn&rsquo;t need to worry about the dozen or so points he might lose by signing up for credit cards to take advantage of several bonus offers. John Doe can still get the best interest rate possible.</p> <p>In school you might have received a 98% and your classmate may have earned a 92%, but when the letter grade came, you both got the same grade of A.</p> <h3>Myth 3: It&rsquo;s so time consuming.</h3> <p>Here are the things you need to do when you sign up for a credit card to get the bonus:</p> <ol> <li>Fill in the application: 10 minutes (2 minutes if you use an auto fill).</li> <li>Activate the card: 2&ndash;7 minutes, depending on whether you can activate it online or over the phone.</li> <li>Set up an online account with automatic payments: 10&ndash;15 minutes.</li> </ol> <p>All-in-all, it might take up to 30-45 minutes for the entire cycle to get your credit card sign-up bonus.</p> <h3>Myth 4: You can&rsquo;t get anything valuable in return.</h3> <p>This may or may not be true. It just depends on what bonuses you decide to take advantage of.</p> <p>Company X might offer you a shiny silver toaster for getting a credit card. That, in my opinion, would not be worth the impact on your credit score, nor would it be worth the time.</p> <p>Company Y might offer you 100,000 bonus miles. That represents at least $1,000 worth of flights, but more likely a $2,316.91 value. In my opinion, that is worth the minimal impact on the credit score and the minimal time investment.</p> <h3>Myth 5: It will be really bad if you get denied.</h3> <p>If you get denied for a credit card, it really isn&rsquo;t a big deal. It&rsquo;s not a reflection on your character or your personality. There could be any number of reasons why you were denied. In fact, if you get denied, I recommend that you call the company and ask if there is anything you could do to get approved. Ask them, &ldquo;What if I took a smaller credit limit?&rdquo; or &ldquo;What if I canceled one of my other cards with you?&rdquo;</p> <p>In the end, if you get denied, all it cost you is a credit pull. As long as you&rsquo;re not signing up for a credit card every week, then the denial just means you might need to wait it out a little bit.</p> <h3>Myth 6: You can&rsquo;t use the rewards anyway.</h3> <p>This may be true.</p> <p>Unfortunately, a lot of people focus on getting points. That, however, is only half of the game. You need to learn how to earn points <em>and</em> how to use points. Take frequent flyer miles as an example. You need to know how to get the best bookings on points, not just how to earn points. If most people reached out to someone who knew about <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">travel rewards</a>, they would find that there are ways to maximize your points and <a href="http://www.wisebread.com/5-tips-for-scoring-a-frequent-flyer-rewards-flight">get frequent flyer mileage bookings</a>.</p> <p><em>Next time I find a big <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards">credit card bonus</a>, I&rsquo;m going to sign up. What about you? Why or why not?</em></p> <p><em>Editorial Note: Craig's opinions do not reflect the opinion of Wise Bread's editorial team. Be responsible when signing up for credit cards and always pay off your balance.</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-myths-about-using-credit-cards-for-the-sign-up-bonuses&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Myths%2520About%2520Using%2520Credit%2520Cards%2520for%2520the%2520Sign-Up%2520Bonuses.jpg&amp;description=6%20Myths%20About%20Using%20Credit%20Cards%20for%20the%20Sign-Up%20Bonuses"></a></p> <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/u5180/6%20Myths%20About%20Using%20Credit%20Cards%20for%20the%20Sign-Up%20Bonuses.jpg" alt="6 Myths About Using Credit Cards for the Sign-Up Bonuses" 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/craig-ford">Craig Ford</a> of <a href="http://www.wisebread.com/6-myths-about-using-credit-cards-for-the-sign-up-bonuses">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-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-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">The 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/5-best-cash-back-credit-cards">The Best Cash Back 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/the-best-5-credit-cards-for-groceries">The Best Credit Cards for Groceries</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/the-5-best-credit-cards-for-dining-out">The 5 Best Credit Cards for Dining Out</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards bonus points credit card rewards sign up bonus Fri, 15 Apr 2011 09:36:06 +0000 Craig Ford 522871 at http://www.wisebread.com