sign up bonus http://www.wisebread.com/taxonomy/term/13627/all en-US 5 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>They say that if an offer seems too good to be true, then it probably is. Therefore, one could be forgiven for dismissing some generous credit card sign-up bonuses on that basis, as many do. Nevertheless, <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">travel rewards credit cards</a> really do offer some amazing bonuses that allow my family to travel extensively. When handled responsibly, these offers are legitimate ways to earn points and miles while giving banks the chance to compete for your business. (See also: <a href="http://www.wisebread.com/6-ways-my-family-scores-free-travel-with-credit-cards?ref=seealso">6 Ways My Family Scores Free Travel with Credit Cards</a>)</p> <h2>How to Find Outstanding Credit Card Offers</h2> <p>At first, finding a great credit card sign-up bonus may seem like luck, but there is actually a good deal of skill involved. The first order of the day is research. You have to spend some time looking for the best deal and applying online from the link that is promoting it. Once you have learned what the most competitive offers are, the next strategy is patience. Banks love to promote their best deals over and over again as limited time offers, so if the right deal isn't currently on the market, just wait a month or two and check again. The final key is to strike while the deal is hot; any of the offers below can disappear tomorrow. While many of them will come back, there is no guarantee. If you think that you are seeing a great deal now, don't tell yourself that it will probably be available next month when you get around to filling out an application.</p> <h2>The Current Top Five Sign-Up Bonuses</h2> <p>In my research, these are the top bonuses available at the moment.</p> <div style="background:lightgoldenrodyellow;padding:15px;margin-bottom:10px;"> <h2>Chase Sapphire Preferred 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="" border="0" height="97" width="154" /><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 &amp; 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.</p> <p><strong>Annual Fee:</strong> $95, 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> </div> <h2>BankAmericard Travel Rewards Credit Card</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/BoA_Travel-154.jpg" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" border="0" height="97" width="154" /><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">BankAmericard Travel Rewards&reg; 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 that you can put towards 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> and no foreign transaction fees.</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 BankAmericard Travel Rewards&reg; Credit Card today!</a></strong></p> <h3>Capital One&reg; Venture&reg; Rewards Credit Card</h3> <p><img src=" http://www.imgsynergy.com/191x120/capital-one-venture-rewards-credit-card-101614.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" border="0" height="97" width="154" /><a href="http://ct.wisebread.com/click.php?pg=22&amp;pid=26&amp;pp=3&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=3&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 of approval (equal to $400 in travel). You also earn unlimited 2x miles per dollar on every purchase, every day &mdash; and miles don't expire. There are no blackout dates and no foreign transaction fees.</p> <p><strong>Annual Fee:</strong> $59, 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=3&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Venture&reg; Rewards Credit Card</strong></a></p> <h3>Gold Delta SkyMiles&reg; Credit Card from American Express</h3> <p><img src="http://content.linkoffers.net/SharedImages/Products/73/598430.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" border="0" height="97" width="154" /><a href="http://ct.wisebread.com/click.php?pg=22&amp;pid=9&amp;pp=4&amp;uv=xcardbutton" rel="nofollow" alt="Gold Delta SkyMiles&reg; Credit Card from American Express" title="Gold Delta SkyMiles&reg; Credit Card from American Express" 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 rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=22&amp;pid=9&amp;pp=4&amp;uv=xname">Gold Delta SkyMiles&reg; Credit Card from American Express</a> is offering 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months. Plus, you can also earn a $50 statement credit after you make a Delta purchase with your new card within your first 3 months. Get 2 miles per dollar spent on purchases made directly with Delta. Get 1 mile on ever dollar spent on other eligible purchases. Get travel benefits like first checked bag free and priority boarding. Terms and conditions apply.</p> <p><strong>Annual Fee: </strong>$95, waived the first year of Card Membership with an introductory offer. <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 rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=22&amp;pid=9&amp;pp=4&amp;uv=xend"><strong>Click here to apply for the Gold Delta SkyMiles&reg; Credit Card from American Express today!</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" border="0" width="154" /><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=7&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=7&amp;uv=xname" target="_blank">Citi&reg; / AAdvantage&reg; Platinum Select&reg; World Elite&trade; MasterCard&reg;</a>&nbsp;from our partner Citi earn 50,000 bonus miles after spending $3,000 within three 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, priority 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=7&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> <p>Responsible consumers are right to question whether or not they can truly fly for free by taking advantage of sign-up bonuses offered by travel credit cards. The truth is that the travel is never free. Customers will still be responsible for taxes and possibly annual fees and fuel surcharges. These costs are relatively minor costs compared to the expense of purchasing international tickets in Business and First Class. My experiences and those of others prove without a doubt that you really can enjoy a world of highly discounted award travel merely by earning credit card sign-up bonuses while giving the banks and the airlines an opportunity to earn your business.</p> <p><a href="http://www.wisebread.com/topic/personal-finance/credit-cards"><strong>To the Credit Card Guide</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="" height="374" width="250" /></h2> <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">5 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">5 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/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-4 views-row-even"> <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-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">5 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> <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">5 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">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/5-best-cash-back-credit-cards">5 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 5 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