Travel http://www.wisebread.com/taxonomy/term/254/all en-US 6 Ways to Save Money on Family Road Trips http://www.wisebread.com/6-ways-to-save-money-on-family-road-trips <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-save-money-on-family-road-trips" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/road-trip-group-photo-64909735.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><font color="#666666"><i>This post contains references to products from our advertisers. We may receive compensation when you click on links to those products. Please visit our <a href="http://www.wisebread.com/advertiser-disclosure">Advertiser Disclosure</a> to view our partners, and for additional details.</i></font></p> <p>There's almost nothing more American than a family road trip, except perhaps a family road trip to a National Park (with plenty of M&amp;M's and a stop for Dairy Queen ice cream along the way.) And that's what my family was fortunate enough to do earlier this summer, courtesy of American Express. We <a href="http://www.wisebread.com/8-things-to-do-with-kids-at-the-st-croix-national-scenic-riverway"> took a road trip to St. Croix National Park</a> and managed to save some money along the way. Here are 6 ways to save money on your next road trip, without losing out on any of the fun. (<a href="http://bit.ly/1elJ6qC">Jump to details on how to win a free trip to a national park</a>.)</p> <h2>1. Plan Ahead</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/family-horizon-picnic-65198197.jpg" width="605" height="340" alt="" /></p> <p>The single best way to save money on your road trip is to plan ahead. When you're traveling with kids this means buying snacks ahead of time, so you're not in a convenience store with your children crying because they want &quot;all the candy.&quot; If you have a multi-night road trip, this means determining which hotel you'll stop at, so you aren't stuck at a $250/night motel because there's a conference in the only small town you've come across at 10:30pm after you're exhausted from a day of driving. Think about your major needs &mdash; when and where you'll need to eat and sleep and stretch &mdash; and you'll have a few extra dollars to spend at your destination. Just remember not to be too inflexible (or, for planners, we call this &quot;building in time for flexibility&quot;), as some of the best parts of road trips can be the random turnoffs to see a roadside waterfall or stopping at old-school putt-putt golf course along the drive.</p> <h2>2. Drive the Speed Limit</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/65-speed-limit-10377489.jpg" width="605" height="340" alt="" /></p> <p>When you're driving hundreds of miles, it pays to conserve fuel. Driving the speed limit on a freeway or highway without a lot of stop lights is one of the best ways to save gas. Plus, you won't get stuck with a $350 speeding ticket (which you won't be able to contest since it is too far to travel). Getting a few more miles to the gallon over the course of a 1000 mile road trip can save you enough for the ice cream cone you've been dreaming about.</p> <h2>3. Check your Insurance and Roadside Assistance Options</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/family-driving-convertible-17648266.jpg" width="605" height="340" alt="" /></p> <p>There's nothing worse than a broken vehicle or an accident while on a family road trip. Not only are you on a timetable and far from home, but the unknown of repairs or who to call in the middle of nowhere Kansas (or downtown NYC depending on your perspective) can be frightening. Thankfully, with many American Express cards, the Amex EveryDay Credit Card comes with the benefit of a quick call to the Roadside Assistance Hotline wherever you're stuck. And if you've rented a car for the road trip and paid with your eligible Amex card, you have accident insurance coverage. Check your card's eligibility, but these are great options when you're in pinch. Best part &ndash; the Amex EveryDay comes with no annual fee!</p> <h2>4. Earn Cash or Point Back on Gas and Snacks</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/camping-eating-corn-70757597.jpg" width="605" height="340" alt="" /></p> <p>If you're camping at a National Park, lodging is cheap, so the most expensive part of your trip will be food and fuel. With the Amex EveryDay, you earn 20% back after 20 purchases per billing cycle and 2x points at all U.S. supermarkets. So, stock up before you hit the road to maximize your savings. If you take a lot of road trips, you might want to check out Blue Cash Preferred&reg; from American Express. With this card you earn 6% cash back on supermarket purchases each year (on the first $6,000 of purchases) and 3% cash back at gas stations.</p> <h2>5. Get a Toll Pass</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/happy-dog-on-road-70676525.jpg" width="605" height="340" alt="" /></p> <p>Depending on how far and where you're traveling, getting an electronic toll pass could save you money on toll roads (and lots of time waiting in toll lines). The most common electronic toll pass is the E-Z pass, which is accepted in <a href="http://www.e-zpassiag.com/about-e-zpass/where-can-i-use-it">15 states along the East Coast</a>.</p> <h2>6. Volunteer</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/on-the-road-12737913.jpg" width="605" height="340" alt="" /></p> <p>Once you're at your destination, a great way to save money on activities is to volunteer. One increasingly common activity is &quot;WWOOFing&quot; or &quot;World-Wide Opportunities on Organic Farms.&quot; My spouse and I enjoyed an unforgettable opportunity working on a small farm in Argentina several years ago. Unfortunately, most wwofing opportunities have several week minimum stays. So, a better option may be to volunteer at a national park. <a href="http://www.nps.gov/mora/getinvolved/vip-faq.htm">According to the National Park Service</a>:</p> <blockquote><p>&quot;Volunteers receive free admission to the park while volunteering, and may receive free camping or other accommodations as well, depending on the project and its duration (please see the housing question above). Meals are not provided. Annually, there is a &quot;volunteer recognition event&quot; where volunteers receive various service awards depending on their hours worked. And, of course, all volunteers have the opportunity to do meaningful work with interesting people in a National Park setting!&quot;</p> </blockquote> <p>The National Parks&rsquo; website lists volunteer projects that are currently available and children are also eligible to participate in some of the projects. Your family will have wonderful memories and you will have saved a lot of money on your road trip.</p> <p><i>How do you save money on road trips? </i></p> <p><i>On July 30th, Amex EveryDay kicked off a contest that encourages people to share a photo and caption of their&nbsp;own #EveryDayMoments, taken at any park, for a chance to win one of three trips to some spectacular National Parks:&nbsp;National Mall and Memorial Parks (Washington, DC), Yosemite National Park (California) and Grand Canyon National Park (Arizona).</i></p> <p><strong><i><a href="http://bit.ly/1elJ6qC">Click Here to Enter</a> between July 30th and August 31st;</i></strong><i>&nbsp;terms apply.</i></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/6-ways-to-save-money-on-family-road-trips">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/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</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/volunteer-to-travel-11-opportunities-for-free-or-very-cheap-travel">Volunteer to Travel: 11 Opportunities for Free or Very Cheap Travel</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/11-simple-rules-of-excellent-houseguest-etiquette">11 Simple Rules of Excellent Houseguest Etiquette</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-to-get-free-accommodations-and-paid-jobs-on-boats">How to Get Free Accommodations (and Paid Jobs) on Boats</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/free-and-cheap-things-to-do-in-champaign-urbana">Free and cheap things to do in Champaign-Urbana</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Travel Fri, 28 Aug 2015 20:00:12 +0000 Elizabeth Lang 1540786 at http://www.wisebread.com The Best Hotel Rewards Card for Free Nights: Marriott Rewards Premier Credit Card http://www.wisebread.com/the-best-hotel-rewards-card-for-free-nights-marriott-rewards-premier-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-best-hotel-rewards-card-for-free-nights-marriott-rewards-premier-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000060276504.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em><strong>Editor's note: This offer is currently unavailable.</strong></em></p> <p>When you combine hotel loyalty programs with the benefits of a credit card such as the Chase Marriott Rewards Premier Visa Credit Card, the result is often an opportunity to earn valuable awards and perks that enhance your hotel stays and save money.</p> <p>The Marriott Rewards Premier Visa Credit Card offers a number of valuable benefits which range from its rewards program to its sign-up bonus and annual bonuses. If you stay in Marriott hotels frequently, this is the card you want to carry in order to get the most for your money. (See also: <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards?ref=seealso">Best Credit Cards for Hotel Deals and Rewards</a>)</p> <h2>Why We Like This Card:</h2> <ul> <li>80,000 bonus points</li> <li>Annual free night</li> </ul> <h2>How This Card Works</h2> <p>Get five points for each dollar spent at Marriott locations, two points per dollar spent at car rental agencies, airline tickets purchased from the airline, and restaurants. You also earn one point for each dollar spent on all other purchases. There is no cap on the points you can earn in any category. Points do not expire as long as you have a paid stay at a Marriott hotel every 24 months.</p> <p><strong>Sign up bonus: </strong>For a <em>limited time</em>, get 80,000 bonus points after you spend $3,000 on purchases in the first 3 months.</p> <p>Marriott rewards points can be redeemed for hotel stays for as few as 7,500 points for a Category 1 property up to 45,000 points for a Category 9 property. Depending on availability, PointSavers hotel stays are available for 33% fewer points and sometimes start as low as 6,000 for one night in a Category 1 property. You can also redeem points for hotel upgrades starting at 5,000 points and stays in partner hotels such as Ritz-Carlton, which start at 30,000 for a night at a Tier 1 property. These properties also provide PointSavers stays which are available for as few as 20,000 points. Finally, if you redeem your points for at least four award nights, your fifth night is free.</p> <p>If you don&rsquo;t want to or can&rsquo;t spend your points on Marriott stays, you can convert your points to airline miles or buy travel packages and merchandise.</p> <h2>Other Benefits</h2> <p>Enjoy Silver Elite Status for being a cardmember and get perks like late checkout, 20% bonus points for hotel stays, and exclusive offers. Additionally, get a free night stay every year on your card anniversary.</p> <h2>Costs</h2> <ul> <li>$85 Annual Fee</li> <li>15.99% APR</li> <li>3% Balance Transfer Fee</li> <li>$0 Foreign Transacation Fee</li> </ul> <!--<p><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=26183058&amp;fot=1263&amp;foc=1" target="_blank"><img width="154" height="50" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a></p>--><!--<p><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=26183058&amp;fot=1263&amp;foc=1" target="_blank"><img width="154" height="50" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a></p>--><h2>Pros</h2> <p><strong>Sign-up bonus worth at least ten free nights.</strong> The value of the sign-up bonus is dependent on the property you choose when redeeming your points. If you meet the spend requirement and receive 80,000 bonus points, this can be worth at least ten nights in a Category 1 property, which cost approximately $80, more or less, per night. In this example, your sign-up bonus is worth almost $800, which can help cover the annual fee for a number of years. Plus, you receive a free night when your account is approved, which boosts the value to potentially, eleven free nights. Granted, if you use your points for upper level properties, you receive fewer award nights, but those properties generally cost more per night and may increase the value of the points significantly. This is one of the most valuable sign-up bonuses offered by a <a href="http://www.wisebread.com/5-best-credit-cards-with-sign-up-bonuses-for-hotel-stays?ref=internal">hotel rewards credit card</a>.</p> <p><strong>Annual free night stay.</strong> You receive a free night at a Category 1 to Category 4 property when you are approved for the card. On your card anniversary, you also receive an e-certificate you can use for a free night stay in a Category 1 to Category 5 property. This certificate is valid for six months, and depending on the property. For example, one night at the TownePlace Suites in Anaheim, California can cost anywhere from $120 to $150 per night.</p> <p><strong>Elite status bonuses.</strong> If you stay at Marriott properties frequently, the perks that come with elite statuses can not only make your stay more comfortable, but can also save you money. Depending on the status, you can also earn extra bonus points on your purchases which can be redeemed for award nights. This card awards 15 credits each year on your card anniversary, which means you are at least guaranteed Silver status. You also earn one credit toward your next elite status for every $3,000 spent with your card. When these bonuses are added to the credits you earn for staying at Marriott hotels, you are able to reach your next status level much quicker.</p> <p><strong>No foreign transaction fees.</strong> One of the worst and most avoidable travel costs are foreign transaction fees for using credit cards abroad. This card would be useful for travel (and for staying at Marriott properties in other countries) since it has no foreign transaction fees.</p> <h2>Cons</h2> <p><strong>Annual fee. </strong>If you don&rsquo;t use the free night certificate or meet the requirement for the sign-up bonus, the annual fee for just carrying the card can become expensive. If you prefer to earn points that can be redeemed for hotel stays, there are cards such as <a href="http://www.wisebread.com/citi-hilton-hhonors-visa-signature-card-big-rewards-with-no-annual-fee?ref=internal">Citi Hilton HHonors Visa Signature Card</a> which has no annual fees. The <a href="http://www.wisebread.com/no-fees-and-unlimited-miles-capital-one-ventureone-rewards-credit-card?ref=internal">Capital One VentureOne</a> and <a href="http://www.wisebread.com/discover-it-miles-simple-and-flexible-travel-rewards?ref=internal">Discover it Miles</a> cards have no annual fee and are generally considered to be strong overall travels cards since they award 1.25x and 1.5x miles respectively for all purchases, which can then be redeemed for most travel purchases.</p> <h2>Who This Card Is Best For</h2> <p>The Chase Marriott Rewards Premier card is best for those who frequently stay in Marriott hotels and can specifically take advantage of the benefits and perks provided. It is crucial with this card to consider the annual fee and whether you can earn the valuable sign-up bonus and use the annual certificates for free nights. It is also best for those whose spending includes restaurants, airlines, and car rentals in addition to Marriott purchases, in order to earn the most points for your money. There is also no foreign transaction fee, which makes the card ideal for those who travel abroad or use the card for foreign purchases.</p> <!--<p><strong><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=26183058&amp;fot=1263&amp;foc=1" target="_blank">Click here to take advantage of this limited time offer and apply for the Marriott Rewards&reg; Premier Credit Card today!</a></strong></p>--><!--<p><strong><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=26183058&amp;fot=1263&amp;foc=1" target="_blank">Click here to take advantage of this limited time offer and apply for the Marriott Rewards&reg; Premier Credit Card today!</a></strong></p>--><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/the-best-hotel-rewards-card-for-free-nights-marriott-rewards-premier-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/get-free-nights-with-ihg-rewards-club-select-credit-card">Get Free Nights with IHG Rewards Club Select Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/travel-better-with-the-united-mileageplus-explorer-card">Travel Better with the United MileagePlus Explorer Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/travel-together-for-less-with-british-airways-visa-signature-credit-card">Travel Together For Less with British Airways Visa Signature Credit Card</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/asiana-american-express-card-from-bank-of-america-review">Asiana American Express Card from Bank of America Review</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/travel-in-comfort-with-the-united-mileageplus-club-card">Travel in Comfort with the United MileagePlus Club Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel chase marriott Thu, 27 Aug 2015 06:27:53 +0000 Christina Majaski 1539581 at http://www.wisebread.com Pay Your Bills and 5 Other Things You Must Do Before You Leave on Vacation http://www.wisebread.com/pay-your-bills-and-5-other-things-you-must-do-before-you-leave-on-vacation <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/pay-your-bills-and-5-other-things-you-must-do-before-you-leave-on-vacation" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_daughter_luggage_000039949614.jpg" alt="Mother and daughter doing things before going on vacation" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You packed for the flight to a <a href="http://www.wisebread.com/5-dramatic-vacation-spots-for-tv-and-film-fanatics">really cool location</a>, re-installed the smoke detector, and made sure the oven was off, but there's a lot more you can do to make your return home less stressful. Here are the six things to do before you leave on vacation.</p> <h2>1. Tell Your Bank</h2> <p>It happens to everyone at least once: You're enjoying a nice meal in a new city, you pay the bill, the server tells you the card doesn't work, and you panic. Prevent this by calling your bank several days before your trip to alert them that you're planning to use your card(s) on vacation. It's especially important if you're traveling to a faraway destination you've never been before.</p> <h2>2. Resolve Your Email Inbox</h2> <p>Any lingering emails still marked as &quot;unread&quot; at the top of the inbox? Now's a good time to respond with simple answers. Make coworkers and friends feel at ease and have a lot less to deal with when you return. Going away for longer than a long weekend? Definitely worth turning on the vacation auto-responder so your contacts don't feel neglected. When it comes to snail mail, it's worth setting up a vacation hold if no one's checking it for you.</p> <h2>3. Clean House</h2> <p>Who wants to come home to a dirty house? Get the sink clear of dishes, vacuum, and do a number on the shower you've been putting off cleaning. Also, take an afternoon to wash laundry, especially sheets &mdash; never underestimate the power of coming home to a fresh scented, freshly made bed. This will ensure coming home will be a stressless transition.</p> <h2>4. Secure a Pet Plan</h2> <p>Have pets and need to arrange for their care? Get your kennel or sitter lined up at least two weeks before a long trip. Plan for all the variables. Don't forget to stock up on extra pet food so someone else doesn't have to hit the store. Get extra keys made for your sitter if necessary. Get extra scat bags, toys, catnip, anything that may help your pets stay comfortable and alive while you're away.</p> <h2>5. Schedule Bill Payments</h2> <p>Going to be away for more than a week and don't want to stop the fun to pay your bills? Set up a bill pay system with your financial institution one billing cycle in advance so that you can be sure it works and the payments post. If timing is an issue, you can also try calling your credit card companies to let them know you are going to be away and payments might be a day or two late.</p> <h2>6. Turn Off Meters</h2> <p>Own a home? Those electric outlets still suck power. Leaks can happen anytime. Turning off your water, gas, and electric meters are a good way to save money while on longer trips and can prevent any kind of disasters that could happen from being worse. It's worth the extra few minutes.</p> <p><em>How do you prepare for a long trip?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/pay-your-bills-and-5-other-things-you-must-do-before-you-leave-on-vacation">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/car-yoga-and-9-other-ways-to-beat-long-drives">Car Yoga and 9 Other Ways to Beat Long Drives</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-ways-to-avoid-expensive-phone-charges-when-traveling">5 Ways to Avoid Expensive Phone Charges When Traveling</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/7-things-you-should-never-do-when-camping">7 Things You Should Never Do When Camping</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-fun-affordable-train-trips">5 Fun, Affordable Train Trips</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/a-diy-air-conditioner-and-14-other-cool-camping-hacks">A DIY Air Conditioner and 14 Other Cool Camping Hacks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Travel bills mail out of town pets planning vacation Wed, 19 Aug 2015 15:00:30 +0000 Amanda Meadows 1524655 at http://www.wisebread.com Best Money Tips: Awesome Perks That Come With Your Plane Ticket http://www.wisebread.com/best-money-tips-awesome-perks-that-come-with-your-plane-ticket <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-awesome-perks-that-come-with-your-plane-ticket" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_plane_ticket_000048729002.jpg" alt="Woman learning awesome perks that come with plane ticket" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on awesome perks that come with your plane ticket, how to avoid a boring life, and mid-afternoon habits to get you through the day.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.shebudgets.com/lifestyle/travel/5-awesome-perks-didnt-realize-come-airplane-ticket/60373">5 Awesome Perks You Didn&rsquo;t Realize Come with your Airplane Ticket</a> &mdash; Going on a long flight? JetBlue offers free DirectTV for their passengers! [SheBudgets]</p> <p><a href="http://www.pickthebrain.com/blog/4-tips-avoid-boring-life/">4 Tips on How to Avoid A Boring Life</a> &mdash; Overcome your fears and take on new challenges! [Pick The Brain]</p> <p><a href="http://www.popsugar.com/smart-living/Good-Afternoon-Habits-35200833">Midafternoon Habits That Will Get You Through the Day</a> &mdash; Step outside for some natural light! The heat and vitamin D will make you feel more energized. [PopSugar Smart Living]</p> <p><a href="http://www.moneytalksnews.com/12-ways-save-back-school-shopping/">12 Ways to Save a Bundle on Back-to-School Stuff</a> &mdash; The average family with kids in K-12 is expected to spend $600 on school supplies&hellip;but you don't have to! Follow these tips to equip your kids without going broke. [Money Talks News]</p> <p><a href="http://adebtfreestressfreelife.com/get-rid-of-student-loans/">3 Disastrous Ways To Get Rid of Student Loans</a> &mdash; There are a number of good ways to pay off your student loans &mdash; using your home's equity is not one of them. [A Debt Free Stress Free Life]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.cheapism.com/blog/3721/joint-bank-accounts-pros-and-cons">7 Things to Know Before Opening a Joint Bank Account</a> &mdash; Joint accounts can be useful if two (or more!) people have a shared savings goal, but there are a few ways a joint account can turn into a major headache. [Cheapism]</p> <p><a href="http://www.northerncheapskate.com/15-things-i-learned-about-money-in-15-years-of-marriage/">15 Things I Learned About Money in 15 Years of Marriage</a> &mdash; When it comes to money management, it's important to be in the same page &mdash; but it's also OK if you approach money differently. [Northern Cheapskate]</p> <p><a href="http://www.csmonitor.com/Business/new-economy/2015/0723/The-9-to-5-job-is-going-extinct">The '9 to 5' job is going extinct</a> &mdash; Even people who have a traditional 9-to-5 schedule may work remotely or check work e-mails outside their regular hours.&nbsp;[The Monitor]</p> <p><a href="http://timemanagementninja.com/2015/07/8-types-of-information-you-should-capture-every-day/">8 Types of Information You Should Capture Every Day</a> &mdash; Capture the steps and details when you solve a problem in case you need to do it again at a later time. [Time Management Ninja]</p> <p><a href="http://parentingsquad.com/4-battles-that-are-and-arent-worth-fighting-with-your-preschooler">4 Battles That Are and Aren't Worth Fighting With Your Preschooler</a> &mdash; There's no harm in leaving the house with messy hair, but it's important to put your foot down on hygiene matters like toothbrushing and bathing. [Parenting Squad]</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/best-money-tips-awesome-perks-that-come-with-your-plane-ticket">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/travel-resources">40 Most Useful Travel Websites That Can Save You a Fortune</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/7-things-you-should-never-do-when-camping">7 Things You Should Never Do When Camping</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-save-money-on-family-road-trips">6 Ways to Save Money on Family Road Trips</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-best-hotel-rewards-card-for-free-nights-marriott-rewards-premier-credit-card">The Best Hotel Rewards Card for Free Nights: Marriott Rewards Premier Credit Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel airplane perks best money tips Mon, 17 Aug 2015 19:03:46 +0000 Amy Lu 1521421 at http://www.wisebread.com What Does Car Rental Insurance Really Cover On Your Credit Card? http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-does-car-rental-insurance-really-cover-on-your-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000048091706.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Don't you hate the experience when you are renting a car, and the representative gives you the hard sell on their optional insurance? At that moment, you are pretty sure that your credit card has insurance that will cover your trip, but the sales agents will do their best to sow confusion and doubt in your mind. As a result, many will break down and purchase the over-priced coverage offered by the rental car agency, if only to get on with their trip. (See also: <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=seealso">Best Credit Cards to Use While Traveling</a>)</p> <p>The only way to make this experience less stressful is to understand exactly what your credit card really covers, before you go to pick up your car.</p> <h2>What Credit Card Rental Coverage Is</h2> <p>Technically speaking, the coverage offered by your credit card is not considered to be insurance. Instead, it's referred to as a collision damage waiver policy. This benefit will cover you for damage due to collision or theft, up to the actual cash value of most vehicles, but there are numerous qualifications and restrictions that you need to be aware of.</p> <h2>Activating This Benefit</h2> <p>To use this benefit, you must pay for the entire rental with your eligible credit card, and you must decline all optional coverage offered by the rental car company. While you will be eligible for this coverage if you use a coupon or a discount, free rentals redeemed through a loyalty program will not be eligible, even when you pay for any additional taxes and fees using your credit card.</p> <p>You should also be aware of the many limitations of this coverage. For example, most credit card policies will exclude a wide variety of non-standard vehicles such as trucks, antiques, and expensive luxury cars. In addition, many credit cards have territorial limitations that exclude vehicles rented in popular tourist destinations such as Italy, Ireland, Israel, Jamaica, and Australia. Finally, the coverage will be invalid if you do anything that violates your rental car agreement. While this includes some obvious prohibitions such as commercial use or illegal activity, you also have to be careful to avoid some other common activities such as driving on unpaved roads, including those made out of dirt or gravel.</p> <h2>What's Not Covered</h2> <p>Even when you have successfully activated your card's collision damage and avoided any excluded vehicles, countries, or activities, you still might not be fully covered by your card's policy. Excluded costs typically include injuries as well as the damage or loss of personal items. In addition, many cards will not cover the rental car company's administrative fees, &quot;loss of use&quot; charges, or the difference between the car's actual value and its replacement value. Sadly, some of these costs can be quite expensive. And finally, many credit card insurance policies are considered secondary, meaning that they only apply to the deductible and other uncovered costs after you have filed a claim with your personal insurance, if it applies. Thankfully, there are some cards offered with primary rental car coverage, which doesn't require you to file a claim on your personal policy.</p> <h2>Recommendations</h2> <p>First, it is important that you do the research and find out how and where your card's policy covers you, and to what extent. And if you have multiple credit cards, you will often find that some offer better coverage than others, so you can choose your cards carefully when you pay for your car rental. To resist the hard sell, state very clearly that you are &quot;declining all optional insurance&quot;, and repeat that phrase until they move on.</p> <p>Finally, you should be aware of American Express's optional premium rental car coverage. This coverage is reasonably priced at $19.95 / $24.95 ($15.95 / $17.95 for CA Residents) per rental period, (not per day). This coverage is primary, excludes fewer vehicles, and has higher limits than the standard coverage.</p> <p>By understanding the value and the limitations of your credit card's rental car coverage, you can make the right decision the next time you are presented with a choice at the rental car counter.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/rewards-that-change-with-your-spending-us-bank-flexperks-travel-rewards-american-express-credit-card">Rewards that Change with Your Spending: U.S. Bank FlexPerks Travel Rewards American Express Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value">Which Delta SkyMiles Credit Card Has the Best Value?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-hotel-rewards-card-for-free-nights-marriott-rewards-premier-credit-card">The Best Hotel Rewards Card for Free Nights: Marriott Rewards Premier Credit Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-buy-and-sell-airline-miles">How to Buy and Sell Airline Miles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Credit Cards Travel american express car rental insurance Fri, 14 Aug 2015 06:58:14 +0000 Jason Steele 1526016 at http://www.wisebread.com Spirit Airlines World MasterCard Review http://www.wisebread.com/spirit-airlines-world-mastercard-review <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/spirit-airlines-world-mastercard-review" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000042399452.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Spirit Airlines is often considered a leader among affordable airfare, providing the basics for jetsetters with the option to add on features that are usually standard with more expensive airlines. This affordability, in connection with Spirit Airlines MasterCard rewards, can save frequent flyers in the United States, the Caribbean, and Latin America, a great deal of money. The sign-up bonus offered with the card alone makes the Spirit Airlines MasterCard a travel rewards credit card worth considering.</p> <h2><strong>Why We Like This Card</strong></h2> <ul> <li>15,000 sign up bonus miles (enough for 3 roundtrip tickets)</li> <li>2x miles on every dollar</li> </ul> <h2><strong>How This Card Works</strong></h2> <p>Earn two miles for each dollar spent on all purchases. There is no cap on the number of miles you can earn and miles do not expire as long as you make a purchase every month with your credit card.</p> <p><strong>Sign up bonus: </strong>15,000 bonus miles after the first purchase</p> <p>You can redeem miles for airfare with Spirit Airlines for as few as 5,000 Free Spirit miles for round-trip award tickets with taxes and fees of at least $11.20 per award flight. Without the credit card, these flights start at 20,000 miles. You can also earn and redeem miles for online games with Spirit Play or for magazine subscriptions.</p> <h2><strong>Other Benefits</strong></h2> <p><strong>Anniversary bonus.</strong> 5,000 bonus miles when you spend at least $10,000 in purchases annually.</p> <p><strong>Chip card.</strong> includes an embedded microchip for protecting your information against fraudulent purchases and identity thieves. Chip cards are often preferred over cards that only have the magnetic strip on the back, especially in many other countries.</p> <h2>Costs</h2> <ul> <li>$59 Annual Fee (waived the first year)</li> <li>12.99%-22.99% APR (purchases and balance transfers)</li> <li>3% Balance Transfer Fee</li> <li>3% Foreign Transaction Fee</li> </ul> <h2>Pros</h2> <p><strong>Sign-up bonus.</strong> You can earn enough bonus miles for up to three round-trip off-peak tickets with taxes and fees of at least $11.20 per award ticket, just for making your first purchase with the credit card. This is not only a valuable sign-up bonus, but it is fairly easy to earn without a high spending requirement to meet. (See also: <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=seealso">Best Airline Cards that Offer Sign Up Bonuses</a>)</p> <p><strong>Double miles for all purchases. </strong>Most other <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=review">travel rewards credit cards</a> only award bonus miles for purchases in specific categories, or with specific brands. All purchases made outside of those categories generally earn one mile or point for each dollar spent. Two miles for every dollar on any purchase is a very nice reward offer.</p> <p><strong>Fewer miles for award flights.</strong> Award flights with Spirit Airlines are available for as few as 5,000 miles which means the miles you earn go a lot farther than they do with other airline rewards credit cards. The same amount of miles is usually only enough for a seat upgrade or, at the most, a $50 gift card, but with the Spirit Airlines MasterCard can be redeemed for a round-trip flight.</p> <h2>Cons</h2> <p><strong>Annual fee of $59.</strong> Although the annual fee is waived the first year and you do have a couple opportunities to cover the fee later, if you don&rsquo;t earn and redeem miles for flights, the annual fee is going to just be an extra expense. It is important that you use the miles you earn from the sign-up bonus and use the card frequently enough to earn enough miles for free flights. Furthermore, although Spirit Airlines is known for inexpensive flights, you are charged for extra airline features such as checked bags and printing boarding passes. After paying the annual fee for the card, for tickets, taxes and fees, and other expenses, you could end up paying just as much for your flight as you would with other airlines.</p> <p><strong>Miles expire. </strong>As a card holder, your miles won&rsquo;t expire if you use your card every month. Non card holders who are part of the Spirit Airlines reward program are required to earn or redeem miles every three months to avoid expiration. Although it&rsquo;s a little easier to keep from losing your miles with the credit card, you still have to make a purchase with your card every month. Many travel rewards credit cards, like the <a href="http://www.wisebread.com/discover-it-miles-simple-and-flexible-travel-rewards?ref=review">Discover it Miles card</a>, offer 1.5x miles that never expire with no purchase requirements.</p> <p><strong>Foreign transaction fee. </strong>Spirit Airlines includes domestic and international flights, but if you plan on using the card while traveling abroad, you will be charged a 3% fee, which cancels out any rewards earned with the card. Credit cards without foreign transaction fees such as the <a href="http://www.wisebread.com/capital-one-venture-rewards-card-review?ref=review">Capital One Venture card</a> and the <a href="http://www.wisebread.com/rewards-that-change-with-your-spending-us-bank-flexperks-travel-rewards-american-express-credit-card?ref=review">U.S. Bank FlexPerks Travel Rewards American Express</a>, are better cards to use outside the United States.</p> <h2><strong>Who This Card Is Best For</strong></h2> <p>If you travel Spirit Airlines frequently and don&rsquo;t mind flying with the basics or putting in a little work to find the best fares and award tickets, you can likely save quite a bit of money with the Spirit Airlines MasterCard. It is also best for those who travel primarily within the U.S. and plan on using the card at least once per month to avoid losing the miles earned.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/spirit-airlines-world-mastercard-review">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/alaska-airlines-visa-signature-credit-card-review">Alaska Airlines Visa Signature Credit Card Review</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/the-best-hotel-rewards-card-for-free-nights-marriott-rewards-premier-credit-card">The Best Hotel Rewards Card for Free Nights: Marriott Rewards Premier Credit Card</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-to-buy-and-sell-airline-miles">How to Buy and Sell 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/5-best-sign-up-bonuses-for-airline-miles-credit-cards">5 Best Sign-up Bonuses for Airline Miles Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel Bank of America Spirit Airlines Fri, 14 Aug 2015 06:29:58 +0000 Christina Majaski 1526004 at http://www.wisebread.com Alaska Airlines Visa Signature Credit Card Review http://www.wisebread.com/alaska-airlines-visa-signature-credit-card-review <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/alaska-airlines-visa-signature-credit-card-review" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000041033276.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The Alaska Airlines Visa Signature Credit Card provides an opportunity to earn miles from your purchases that can be redeemed for flights with Alaska Airlines and 14 other partner airlines. With flights available to over 100 destinations within the United States, Canada, Mexico, and the Hawaiian Islands, it&rsquo;s easy to see why the airline is one of the largest in the country. If you fly frequently with Alaska Airlines or any of its partner airlines, the Alaska Airlines Visa Signature Credit Card can provide you with valuable rewards and travel benefits.</p> <h2>Why We Like This Card</h2> <ul> <li>25,000 sign-up bonus miles</li> <li>Companion Fare every year</li> </ul> <h2>How This Card Works</h2> <p>Earn three miles for each dollar spent on Alaska Airlines tickets, vacations, and cargo purchases, and one mile for each dollar spent everywhere else. You also have the opportunity to earn up to five miles for each dollar spent through Mileage Plan Dining, which is a network of over 11,000 popular restaurants and bars.</p> <p><strong>Sign up bonus: </strong>25,000 bonus miles upon approval</p> <p>Miles can be redeemed for upgrades and flights with Alaska Airline or 14 partner airlines such as Delta, British Airways, American Airlines, AirFrance, Emirates, Korean Air, KLM, Qantas, AeroMexico, and more. Flights are available for as few as 10,000 miles for a one-way ticket and upgrades to First Class Cabin are as low as 15,000 miles. There is no cap on the miles you can earn and miles do not expire as long as your account is not inactive for more than two years, or if no mileage is credited to your account during the first nine months after opening the account.</p> <h2>Other Benefits</h2> <p><strong>Free checked bag.</strong> Get a free checked bag for you and up to six other passengers on the same reservation.</p> <p><strong>Annual companion fare. </strong>Each year you&rsquo;ll receive a round-trip coach Companion Fare when traveling with another passenger on a paid coach ticket. It is valid for 12 months from the date of issue. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-with-airline-companion-tickets-and-3-bad-ones?ref=seealso">Credit Cards that Offer Companion Fare</a>)</p> <p><strong>Lounge membership discount. </strong>Alaska Airlines Board Room lounge memberships provide Wi-Fi, conference rooms, and other amenities when traveling. This membership is typically $250 per year, but as a card member, you receive a $50 discount toward a new membership. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access?ref=seealso">Credit Cards that offer Free Lounge Access</a>)</p> <p><strong>ShopSafe.</strong> Bank of America offers ShopSafe for added protection when shopping online. If you choose to use this feature, you are provided a temporary 16-digit number with an expiration date and security code that can be used instead of your actual card account information.</p> <p><strong>Embedded chip card. </strong>Includes an embedded microchip for use at chip terminals which adds extra protection against identity thieves and hackers, by encrypting your information. This type of card is accepted in many countries and is often preferred over standard magnetic stripe credit cards.</p> <h2>Costs</h2> <ul> <li>$75 Annual Fee</li> <li>14.24% (purchases and balance transfers); 29.99% (penalty)</li> <li>3% Balance Transfer Fee</li> <li>3% Foreign Transaction Fee</li> </ul> <h2>Pros</h2> <p><strong>Award flights with other airlines. </strong>There are at least 14 partner airlines you can redeem your miles with which can be convenient if you don&rsquo;t always travel with Alaska Airlines. Furthermore, if you choose to redeem for domestic flights through American Airlines and Delta, your miles are worth about the same as if you redeem for Alaska Airlines flights.</p> <p><strong>Companion fare ticket.</strong> You receive a round-trip coach companion fare ticket when you are approved for the card for $121 which includes base fare of $99 and taxes and fees of $22 for a companion traveling on your same itinerary. You also receive this companion fare ticket each year on your anniversary in the form of an e-certificate. This fare opportunity is available for 12 months from the date it is issued, but provides a significant savings, every year, on a ticket for someone who is flying with you.</p> <h2>Cons</h2> <p><strong>Annual fee.</strong> Of the three Alaska Airlines credit cards that Bank of America offers, the Alaska Airlines Visa Signature Credit Card charges the highest annual fee. Although the other two cards, the Platinum Plus Visa and Preferred Visa carry lower annual fees, approval for the other two credit cards is based on lower credit limits. Depending on where you travel, the sign-up bonus can cover this fee for a couple years, but after that, you either have to make sure you use your companion fare certificates or earn enough miles with purchases in order to cover the annual fee. There are other travel rewards card with no annual fee, such as the <a href="http://www.wisebread.com/no-fees-and-unlimited-miles-capital-one-ventureone-rewards-credit-card?ref=review">Capital One VentureOne card</a> which awards 1.25 miles per dollar spent on travel and <a href="http://www.wisebread.com/discover-it-miles-simple-and-flexible-travel-rewards?ref=review">Discover it Miles</a> which offers 2x miles on all purchases.</p> <p><strong>Foreign transaction fee.</strong> Foreign transaction fees with travel rewards cards can be a significant drawback if you travel abroad frequently because the fee devalues any rewards earned from the purchases, especially at 3%. If you travel frequently outside the United States, you should instead choose a travel rewards card such as the <a href="http://www.wisebread.com/travel-better-with-the-united-mileageplus-explorer-card?ref=review">United Mileage Explorer card</a> which does not charge foreign transaction fees.</p> <h2>Who This Card Is Best For</h2> <p>Although you can certainly redeem your miles with other airlines, the Alaska Airlines Visa Signature Credit Card is best for those who frequently travel with Alaska Airlines not only in order to earn triple miles on purchases, but also to be able to take advantage of the extra perks such as the airport lounge discount. Additionally, it is important that you have a companion who travels with you occasionally because the annual companion fare can help offset the cost of the annual fee.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/alaska-airlines-visa-signature-credit-card-review">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/spirit-airlines-world-mastercard-review">Spirit Airlines World MasterCard Review</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/the-best-hotel-rewards-card-for-free-nights-marriott-rewards-premier-credit-card">The Best Hotel Rewards Card for Free Nights: Marriott Rewards Premier Credit Card</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-to-buy-and-sell-airline-miles">How to Buy and Sell 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/5-best-sign-up-bonuses-for-airline-miles-credit-cards">5 Best Sign-up Bonuses for Airline Miles Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel alaska airlines Bank of America Fri, 14 Aug 2015 06:21:34 +0000 Christina Majaski 1526003 at http://www.wisebread.com 7 Things You Should Never Do When Camping http://www.wisebread.com/7-things-you-should-never-do-when-camping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-things-you-should-never-do-when-camping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_camping_000051647654.jpg" alt="Couple learning what not to do when camping" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Camping is fun, right?</p> <p>Well, it's supposed to be. However, there are a lot of things that can go wrong. Some of these aren't preventable, but you have quite a bit of control over how comfortable you are, how safe you are, and how much fun you have while you're camping. (See also: <a href="http://www.wisebread.com/a-diy-air-conditioner-and-14-other-cool-camping-hacks?ref=seealso">A DIY Air Conditioner and 14 Other Cool Camping Hacks</a>)</p> <p>If you're wondering how to have the best experience possible, here are some things you should always avoid when you go camping. For your next trip, don't...</p> <h2>1. Get There in the Dark</h2> <p>Setting up camp in the dark is hard, and it can be dangerous, too. Even in the best-groomed campsites, there are often sticks, rocks, holes, or lumps of dirt, which can become tripping hazards when you run into them full-tilt carrying a tent pole. Sure, you have headlights and flashlights, which can help, but nothing tops arriving early in the day so you can assess your surroundings. In addition, arriving in the light means that you can find things like the all-important toilet.</p> <p>If something happens and you can't avoid a nighttime arrival, do your best to get as much light in the area as possible. Park facing your camping area and turn on your headlights. Tie flashlights to trees. Set a lantern up in the middle of your living area. Then, before you set up your tent, take your time clearing the area of debris and scouting out anything that might hurt you.</p> <h2>2. Wander the Forest Alone</h2> <p>Most camping is done in an area where you're not familiar with the landscape or, at least, less familiar than you are at home. Camping can also involve hazards that you aren't comfortable dealing with on your own and that you may not be able to anticipate. Because of this, it's always a good idea to take someone with you when you camp and not to go on outings alone.</p> <p>If you want to camp alone or you just need a time-out from your camping partners, be sure to tell someone where you're headed and about when you plan to return. If your friend knows you're out on a three-mile hike, they won't panic when you aren't back in an hour, but they will know that they should sound the alarm when three or four have passed.</p> <h2>3. Leave Your Food Out</h2> <p>Critters love human food, and they will get into anything you leave out. Even small animals, like chipmunks and squirrels, can make a huge mess, and the food isn't very good for them, either. In some areas, you risk a run-in with something less desirable, like a bear or a skunk. And don't store food in your tent, either, because you certainly don't want animals in there!</p> <p>Usually, it is fine to put dry food in your car and to close and latch your cooler. In some areas, where bears are known to roam, you will need to make your food even more secure. Find out ahead of time what is required and make sure you have the supplies and know-how to do that.</p> <h2>4. Forget Warm Clothes</h2> <p>When it comes to the weather, something unexpected is almost bound to happen while you're camping, and it's best to be prepared with the right clothing. Since most camping happens during warm months, people tend to forget warm clothes. It's easy to ignore the fact that nights are almost always cooler than days, and that rain storms or cold winds can happen without warning. And, sometimes, you will want long pants and long sleeves for different reasons, like to keep bugs from biting or to keep the sun off you.</p> <p>If you're heading to a mountainous or high desert area, it's even more important that you bring warm clothes. Nighttime temperatures in both of these climates are significantly colder than daytime ones, and you could end up miserable and ill without the right clothing.</p> <h2>5. Annoy Your Neighbors</h2> <p>When you're camping, the people at the site next door can become your helpers, your new best friends... or the people who wouldn't help you for the world because you annoyed them so much. If you don't want to find yourself in deep water with the neighbors, follow your common sense. Don't get drunk, make lots of noise in the middle of the night, play loud music, drive too fast in camp, or leave your fire burning when you aren't there.</p> <p>If you've done something annoying, it pays to apologize. And if you apologize with some freshly-baked camp cookies, it's even better. When you acknowledge that you did something annoying, people are likely to forgive... as long as it doesn't happen again.</p> <h2>6. Bring Equipment You Don't Know How to Use</h2> <p>I don't care how experienced you are. Each tent goes up a little differently, and it pays to know exactly how the one you brought works. The same goes for any other gear: your stove, your hydration pack, your nifty new camp-cooking appliance. Take it out of the box and figure it out before you leave. Otherwise, you waste valuable camping time and try your own patience, not to mention that of the people camping with you.</p> <p>If you don't have a chance to put up your tent at least once before you leave, make sure you have plenty of light and plenty of time once you arrive at your destination. Send the kids to explore and let your spouse do something else while you figure it out. You'll all be happier with each other and better able to enjoy the rest of your stay.</p> <h2>7. Forget the Toilet Paper</h2> <p>I get it. Your campsite has a bathroom &mdash; a real bathroom, with running water and paper towels and maybe even a shower. I don't care. Bring your toilet paper.</p> <p>You never know when a campground bathroom will run out of TP in the middle of the night, or when you'll be out by the lake or on a hike and find yourself in need. In these cases, it's so much less awkward to have the supplies you need. Sure, you have to trek it along in the first place, but it will save you a headache in the end.</p> <p><em>What do you enjoy most about camping? And what would you never, ever do?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/7-things-you-should-never-do-when-camping">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-diy-air-conditioner-and-14-other-cool-camping-hacks">A DIY Air Conditioner and 14 Other Cool Camping Hacks</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/8-best-cities-for-frugal-lovers-of-the-outdoors">8 Best Cities for Frugal Lovers of the Outdoors</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/camping-for-a-week-is-only-160-at-these-national-parks">Camping for a Week Is Only $160 at These National Parks</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/20-hiking-hacks-to-take-to-the-trail-this-summer">20 Hiking Hacks to Take to the Trail This Summer</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/10-tips-for-camping-cooking">10 Tips for Camping Cooking</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Travel camping nature outdoors safety Thu, 13 Aug 2015 17:00:14 +0000 Sarah Winfrey 1518309 at http://www.wisebread.com Tips For Using Hotel Reward Points to Get the Most Value http://www.wisebread.com/tips-for-using-hotel-reward-points-to-get-the-most-value <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/tips-for-using-hotel-reward-points-to-get-the-most-value" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000027142183.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Credit cards that offer <a href="http://www.wisebread.com/breakdown-of-benefits-and-value-of-the-best-hotel-rewards-programs-and-credit-cards?ref=internal">hotel reward points</a> are some of the best reward cards available. Unlike frequent flyer miles, these hotel programs offer rewards that can be much easier to use, and are often more valuable. For example, most hotels charge taxes and fees based on the rate paid, so you can typically complete an award stay for absolutely no cost at all. Nevertheless, it's still necessary to learn some techniques about using these points, in order to realize the most value from them.</p> <h2>Evaluating Points</h2> <p>One of the reasons that hotel points can be more valuable than airline miles is that many hotel programs have no blackout dates or capacity controls. This means that any available unsold standard room can be paid for using reward points. Major hotel chains with this policy include Hilton, Hyatt and Starwood (which include Westin, Sheraton, and other brands). In contrast, Marriott and IHG (Intercontinental, Holiday Inn, and others), will only make a percentage of their rooms available for award nights, so you may not be able to redeem awards during peak times.</p> <p>Before you decide to commit to a hotel rewards program, you should examine the award chart, taking a close look at how many points are needed for an award night at properties you might want to visit. Then consider the ways you would be able to earn points and determine whether reaching the number of points needed for free stays would be realistic.</p> <p>Another thing to consider are the perks that come with the various levels of status. Check which status level you would fall under and see what kinds of benefits and discounts you would receive (for example, free internet and upgrades). (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-with-free-hotel-status-upgrades?ref=seealso">Best Credit Cards with Free Hotel Status Upgrades</a>)</p> <h2>Earning Points</h2> <p>Although the number of points needed can vary dramatically between programs, the number of points you can earn from hotel stays and credit cards can also differ substantially as well. A co-branded hotel credit card can help you accumulate points much faster than just being part of the hotel loyalty program and earning points on stays. A credit card can earn points on everyday purchases and offer a l<a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-hotel-stays-credit-cards?ref=internal">arge sign-up bonus</a> for new cardholders. In addition, having the right hotel card can offer you elite status in their program, entitling you to room upgrades, free internet, and even free breakfast. (See also: <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards?ref=seealso">Best Credit Cards for Hotel Deals and Rewards</a>)</p> <p>Here is a list of some of the hotel programs and their co-branded credit cards:</p> <ul> <li>Starwood Preferred Guest (more than 1,200 hotels and resorts worldwide; includes brands such as St. Regis, Westin, Sheraton, and more): <a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express?ref=internal">Starwood Preferred Guest Credit Card from American Express</a></li> <li>Hilton HHonors (more than 4,200 hotels and resorts worldwide; includes brands such as DoubleTree, Embassy Suites, Hampton Inn, and more): <a href="http://www.wisebread.com/citi-hilton-hhonors-visa-signature-card-big-rewards-with-no-annual-fee?ref=internal">Citi Hilton HHonors Visa Signature Card</a></li> <li>IHG Rewards Club (more than 4,700 hotels worldwide; includes brands such as Holiday Inn, Crowne Plaza, Intercontinental Hotels, and more): <a href="http://www.wisebread.com/get-free-nights-with-ihg-rewards-club-select-credit-card?ref=internal">IHG Rewards Select Credit Card</a></li> <li>Marriott Rewards (more than 3,800 hotels worldwide; includes brands such as Renaissance, Courtyard, Ritz-Carlton, Residence Inn, and more): Marriott Rewards Premier Card</li> <li>Club Carlson (1,000 hotels worldwide; includes brands such as Radisson, Park Plaza, Park Inn, and more): Club Carlson Premier Rewards Visa Signature</li> <li>Hyatt Gold Passport (500 properties): Hyatt credit Card</li> </ul> <h2>Spending Points</h2> <p>If you have a limited number of points, and will be only be able to use them for some of your stays, there are a few ways to stretch them further. The first is to compare the cost of the room with the number of points it requires, and save your points for the times you are getting the most value. For example, if you are going to a convention or another event with a negotiated rate, then you are unlikely to receive superior value by using your points instead. If however, you are staying at a resort area during a holiday or another peak time of the year, this may be the best way to use reward points.</p> <p>In addition, there are programs like Starwood and Hyatt that offer &quot;cash and points&quot; options that can allow you to effectively buy points at a reasonable rate.</p> <p>There are some times when a hotel rewards program will not let you redeem points for an award stay. Sometimes this is due to the chain's policy of blackout dates or capacity controls, while other times a hotel that boasts none of these restrictions will still fail to offer an award room when it still has rooms for sale with cash. In these cases, it can help to call the hotel chain and try to have them override these restrictions. While this technique would never work with airline frequent flyer programs, hotel programs tend to be far more flexible and customer friendly.</p> <p>There are few things nicer than staying in a luxury hotel without having to pay for it. By earning the most valuable reward points available, and spending them wisely, you can find yourself relaxing in luxury in no time.</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/tips-for-using-hotel-reward-points-to-get-the-most-value">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/the-best-hotel-rewards-card-for-free-nights-marriott-rewards-premier-credit-card">The Best Hotel Rewards Card for Free Nights: Marriott Rewards Premier Credit Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Doesn&#039;t Get Easier Than This: Capital One Venture Rewards Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel hotel Tue, 11 Aug 2015 06:20:20 +0000 Jason Steele 1504124 at http://www.wisebread.com Be an Elitist with the Citi / AAdvantage Executive World Elite MasterCard http://www.wisebread.com/be-an-elitist-with-the-citi-aadvantage-executive-world-elite-mastercard <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/be-an-elitist-with-the-citi-aadvantage-executive-world-elite-mastercard" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000059971090.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Among the airline and <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal">travel rewards credit cards</a> available, there are those considered elite-type travel cards such as the Citi&reg; / AAdvantage&reg; Executive World Elite&trade; MasterCard&reg;. These cards typically carry some of the highest annual fees charged by any credit card, yet in exchange provide a range of exclusive benefits and perks. Here&rsquo;s what is included in this <a href="http://www.wisebread.com/the-5-best-premium-credit-cards?ref=review">premium card</a>.</p> <h2>What We Like About This Card</h2> <ul> <li>75,000 sign up bonus miles</li> <li>Admirals Club Membership (worth $400-$500)</li> <li>Priority check in, screening, and boarding</li> </ul> <h2>How This Card Works</h2> <p>Earn two miles for each dollar spent with American Airlines and U.S. Airways, and one mile for each dollar spent everywhere else. There is no limit to the number of miles you earn and no expiration as long as you earn or redeem miles every 18 months.</p> <p><strong>Sign up bonus:</strong> Earn 75,000 bonus miles after spending $7,500 within the first 3 months.</p> <p>Miles can be redeemed for airfare with American Airlines and U.S. Airways starting at 12,500 miles for a one-way MileSAAver flight within the United States. You can also redeem miles for cabin upgrades or for flights with oneworld member airlines such as British Airways, Cathay Pacific, Iberia, Japan Airlines, Malaysia Airlines, and more.</p> <h2>Other Benefits</h2> <p><strong>Admirals Club. </strong>When you become a card member, you receive complimentary Admirals Club membership which allows access to over 50 airport lounges worldwide. This also allows up to two guests or immediate family members on the same trip. These lounges provide amenities such as drinks and snacks, Internet access, and PCs, and usually cost $50 per visit or at least $400 per year for an individual membership.</p> <p><strong>Global Entry or TSA PreCheck Credit.</strong> Get reimbursed for your application fee for Global Entry or TSA PreCheck, up to $100 every 5 years.</p> <p><strong>Annual miles bonus.</strong> If you spend $40,000 with your card within a calendar year, you receive a bonus of 10,000 AAdvantage Elite Qualifying Miles (EQMs). EQMs are used to gain and maintain elite statuses of Gold, Platinum, or Elite Platinum with the AAdvantage program and depending on the level, provide extra flight perks and benefits. For instance, the highest status, Elite Platinum, typically requires 100,000 miles or 100 segments during a calendar year and includes bonuses such as a 100% mileage bonus and guaranteed economy class availability.</p> <p><strong>Flight privileges.</strong> Receive flight privileges such as priority check-in, airport screening, and early boarding when you fly with American Airlines or U.S. Airways.</p> <p><strong>Free checked bags.</strong> Your first checked bag is free as well as the first checked bag of up to eight companions on the same reservation.</p> <p><strong>In-flight discount.</strong> Receive a 25% discount on in-flight purchases made with your card including, food, beverages, and headsets.</p> <p><strong>Reduced Mileage Awards.</strong> Access to American Airlines&rsquo; reduced mileage MileSAAver awards which are destinations provided by American Airlines each month that require 7,500 fewer miles than they would regularly require.</p> <p><strong>Citi Price Rewind.</strong> If a purchase made with the credit card is found online for less within 60 days of the purchase date, you can receive a refund of the difference up to $300 per item and up to $1,200 per year.</p> <p><strong>Chip credit card.</strong> Includes an embedded microchip for reducing counterfeit fraud and providing extra security when shopping.</p> <h2>Costs</h2> <ul> <li>$450 Annual Fee</li> <li>15.24% APR (purchases and balance transfers)</li> <li>3% Balance Transfer Fee</li> <li>$0 Balance Transfer Fee</li> </ul> <h2><a href="http://www.kqzyfj.com/click-2822544-12279797-1436988684000?sid=review-AAdvantage_EWEM" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" width="154" height="50" alt="" /></a></h2> <h2>Pros</h2> <p><strong>Sign-up bonus. </strong>If you can spend at least $7,500 with your card within the first three months of opening the account, you can earn a bonus of 75,000 miles, which is a significantly sized bonus. These miles can be redeemed for at least six one-way MileSAAver flights.</p> <p><strong>Extra travel benefits.</strong> For those who frequently, extra travel benefits such as priority check-in, early boarding, and access to the Admirals Club lounges, can enhance your travel experience and provide extra comfort when traveling. These benefits can be worth more than money, especially if you find yourself away from home quite often.</p> <p><strong>No foreign transaction fee.</strong> This is not uncommon as most cards with high annual fees do not charge foreign transaction fees, but should be noted because of its value if you travel outside of the United States or use your card for foreign purchases.</p> <h2>Cons</h2> <p><strong>Annual fee.</strong> Although there are a number of ways to compensate for the $450 annual fee, it is still a hefty sized annual fee and one of the highest charged by any credit card. It is important that you are able to take advantage of the perks provided by the card in order to get the most for your money. If you are not positive you will fly enough or earn enough, there are airline rewards cards with much lower annual fees that provide similar benefits. In fact, if you prefer flying with American Airlines and U.S. Airways, the <a href="http://www.wisebread.com/citi-platinum-select-aadvantage-world-mastercard-review?ref=review">Citi AAdvantage Platinum Select MasterCard</a> charges a much lower annual fee of $95, and provides some of the same perks, such as free checked bag and priority boarding. (See also: <a href="http://www.wisebread.com/which-american-airlines-us-airways-credit-card-should-you-get?ref=review">Which AAdvantage Credit Card Should You Get?</a>)</p> <p><strong>Limited annual bonuses.</strong> Many airline credit cards offer annual and anniversary bonuses that can help offset any annual fees, such as extra miles or <a href="http://www.wisebread.com/the-5-best-credit-cards-with-airline-companion-tickets-and-3-bad-ones?ref=review">companion tickets</a>. However, this card only includes the annual bonus of EQMs, which only benefits you if you care at all about the additional benefits that come with elite status in the program. The <a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value?ref=review">American Express Platinum Delta SkyMiles and Delta Reserve Card</a> provide a companion certificate each year you renew the card plus an annual miles boost if you spend $30,000 with the card within a calendar year.</p> <h2>Who This Card Is Best For</h2> <p>The Citi AAdvantage Executive World Elite MasterCard is best for those who travel American Airlines and U.S. Airways very frequently, domestically or overseas. The card includes a number of perks and benefits that not only have monetary value, but can save you time and provide a more comfortable travel experience. It is also best for those who will take advantage of the benefits provided, especially the lounge club access and sign-up bonus, which alone, can make the card worth carrying. <a href="http://www.kqzyfj.com/click-2822544-12279797-1436988684000?sid=review-AAdvantage_EWEM" target="_blank"><strong>Learn more and apply for the Citi&reg; / AAdvantage&reg; Executive World Elite&trade; MasterCard&reg; today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/be-an-elitist-with-the-citi-aadvantage-executive-world-elite-mastercard">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-american-airlines-us-airways-credit-card-should-you-get">Which American Airlines / US Airways Credit Card Should You Get?</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/for-business-travelers-citibusiness-aadvantage-platinum-select-world-mastercard">For Business Travelers: CitiBusiness / AAdvantage Platinum Select World MasterCard</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/citi-hilton-hhonors-reserve-enjoy-more-free-stays">Citi Hilton HHonors Reserve: Enjoy More Free Stays</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/citi-platinum-select-aadvantage-world-mastercard-review">Travel with Comfort and Ease: Citi AAdvantage Platinum Select MasterCard</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/citi-hilton-hhonors-visa-signature-card-big-rewards-with-no-annual-fee">Citi Hilton HHonors Visa Signature Card: Big Rewards with No Annual Fee</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel aadvantage american airlines Citi US airways Fri, 07 Aug 2015 06:09:07 +0000 Christina Majaski 1503363 at http://www.wisebread.com 5 Best Credit Cards with Sign-up Bonuses for Hotel Stays http://www.wisebread.com/5-best-credit-cards-with-sign-up-bonuses-for-hotel-stays <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-best-credit-cards-with-sign-up-bonuses-for-hotel-stays" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000051350630.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Many travel rewards enthusiasts look to credit cards to earn free flights, but unfortunately the airlines are now making it extremely difficult to use your miles for award flights at the lowest mileage levels.</p> <p>At the same time, there are many hotel credit cards that offer as much value as the <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?ref=internal">airline cards</a>, or more. Furthermore, these cards often come with excellent sign-up bonuses in the form of reward nights that are both valuable and easy to redeem.</p> <!--<h2>Marriott Rewards&reg; Premier Credit Card</h2> <p><a title="Marriott Rewards&reg; Premier Credit Card" alt="Marriott Rewards&reg; Premier Credit Card" rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=26183058&amp;fot=1255&amp;foc=2&amp;foc2=605684" target="_blank"><img border="0" alt="" src="http://content.linkoffers.net/SharedImages/Products/220564/605684.png" class="img-exempt" style="float:right;margin:0 10px;" /></a>The Marriott Rewards card is offering a generous 80,000 bonus points after spending $3,000 on purchases within the first 3 months of account opening. With award nights starting at 7,500 points at Category 1 properties, that can be as many as ten nights! With Category 1 hotels worth approximately $80 per night, the sign up bonus is worth at least $800. Cardholders earn five points per dollar at Marriott locations, two points per dollar at restaurants, car rental agencies, and for airline tickets purchased direct with the airline. Earn one point on all other purchases. You also automatically get Silver Elite Status which offers priority late checkout, 20% bonus points on stays, and more. <a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=26183058&amp;fot=1255&amp;foc=1" target="_blank"><strong>Learn more about this special limited time offer and apply today!</strong></a></p>--><!--<h2>Marriott Rewards&reg; Premier Credit Card</h2> <p><a title="Marriott Rewards&reg; Premier Credit Card" alt="Marriott Rewards&reg; Premier Credit Card" rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=26183058&amp;fot=1255&amp;foc=2&amp;foc2=605684" target="_blank"><img border="0" alt="" src="http://content.linkoffers.net/SharedImages/Products/220564/605684.png" class="img-exempt" style="float:right;margin:0 10px;" /></a>The Marriott Rewards card is offering a generous 80,000 bonus points after spending $3,000 on purchases within the first 3 months of account opening. With award nights starting at 7,500 points at Category 1 properties, that can be as many as ten nights! With Category 1 hotels worth approximately $80 per night, the sign up bonus is worth at least $800. Cardholders earn five points per dollar at Marriott locations, two points per dollar at restaurants, car rental agencies, and for airline tickets purchased direct with the airline. Earn one point on all other purchases. You also automatically get Silver Elite Status which offers priority late checkout, 20% bonus points on stays, and more. <a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=26183058&amp;fot=1255&amp;foc=1" target="_blank"><strong>Learn more about this special limited time offer and apply today!</strong></a></p>--><h2>IHG&reg; Rewards Club Select Credit Card</h2> <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=26113024&amp;fot=1255&amp;foc=2&amp;foc2=603634" rel="nofollow" alt="IHG&reg; Rewards Club Select Credit Card" title="IHG&reg; Rewards Club Select Credit Card"><img border="0" alt="" class="img-exempt" style="float:right;margin:0 10px;" src="http://content.linkoffers.net/SharedImages/Products/220366/603634.png" /></a>IHG represents the world&rsquo;s largest hotel company with over 4,700 hotels worldwide. The <a href="http://www.wisebread.com/get-free-nights-with-ihg-rewards-club-select-credit-card?ref=internal">IHG&reg; Rewards Club Select Credit Card</a> offers a big sign up bonus of 60,000 points after spending $1,000 in the first 3 months of account opening. (Reward redemption start at 10,000 points.) Cardholders earn 5 points per dollar spent at IHG hotels, 2 points per dollar spent at gas stations, grocery stores, and restaurants, and 1 point spent elsewhere. Additional benefits include 10% rebate on point redemptions, up to 100,000 each year, annual free night worldwide, and platinum elite status which come with its own set of benefits like free internet, priority check in, and complimentary upgrades. The annual fee of $49 is waived for the first year.</p> <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=26113024&amp;fot=1255&amp;foc=1" rel="nofollow"><strong>Click here to learn more and apply for the IHG&reg; Rewards Club Select Credit Card today!</strong></a></p> <h2>Starwood Preferred Guest&reg; Credit Card from American Express</h2> <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3050761&amp;fot=1255&amp;foc=2&amp;foc2=605866" rel="nofollow" alt="Starwood Preferred Guest&reg; Credit Card from American Express" title="Starwood Preferred Guest&reg; Credit Card from American Express"><img border="0" src="http://content.linkoffers.net/SharedImages/Products/70/605866.png" style="float:right;margin:0 10px;" class="img-exempt" alt="" /></a>SPG includes over 1,200 hotels and resorts worldwide and include brands like St. Regis, Westin, Sheraton, and more. For a limited time, the <a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express?ref=internal">Starwood Preferred Guest&reg; Credit Card from American Express</a> offers new cardholders 30,000 bonus points after spending $3,000 within the first 3 months. Cardholders earn 2 points for purchases at SPG hotels and 1 point on all other purchases. The annual fee is $0 for the first year and $95 after.</p> <p><strong><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3050761&amp;fot=1255&amp;foc=1" rel="nofollow">Click here to learn more and apply for the Starwood Preferred Guest&reg; Credit Card from American Express today!</a></strong></p> <h2>Citi&reg; Hilton HHonors&trade; Reserve Card</h2> <p><a target="_blank" href="http://www.anrdoezrs.net/click-2822544-12009429-1434376718000?sid=5x_bonus_hotel_stays"><img border="0" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/Citi_Hilton_HHonors_Reserve_Card-154.jpg" style="float:right;margin:0 10px;" class="img-exempt" alt="" /></a>There are more than 4,200 hotels and resorts worldwide under the Hilton HHonors program, including brands like DoubleTree, Embassy Suites, Hampton Inn, and more. The <a href="http://www.wisebread.com/citi-hilton-hhonors-reserve-enjoy-more-free-stays?ref=internal">Citi&reg; Hilton HHonors&trade; Reserve card</a> offers two free <em>weekend</em> nights at select hotels and resorts after new cardholders make $2,500 in purchases within the first four month. Other features included 10x points for purchases at Hilton properties, 5x points for airline and car rental purchases, and 3x points on all other charges. Cardholders receive one free weekend night if you $10,000 each year. You also enjoy HHonors Gold status which include benefits like free internet, 5th night free, and Gold Membership Hotel benefits. There is a $95 annual fee for this card, and no foreign transaction fees.</p> <p><a target="_blank" href="http://www.anrdoezrs.net/click-2822544-12009429-1434376718000?sid=5x_bonus_hotel_stays"><strong>Click here to learn more and apply for the Citi&reg; Hilton HHonors&trade; Reserve Card today!</strong></a></p> <h2>Hyatt Credit Card</h2> <p>The Hyatt credit card offers new cardholders two free nights at any Hyatt in the world, once they spend just $1,000 within three months of account opening. Considering that there are some properties that sell for over $1,000 per night, this is an exceptional offer. The card earns 3x points for Hyatt purchases, 2x points for restaurants, airline tickets (purchased directly from airline) and car rentals, and 1 point for other purchases. Each year you'll receive a free night at any category 1-4 property and as long as you&rsquo;re a cardmember, you&rsquo;re upgraded to Platinum membership in the Hyatt Passport program, which include benefits like free internet, late check out, and more. There is a $75 annual fee for this card that is waived the first year, and no foreign transaction fees.</p> <h2>Club Carlson Premier Rewards Visa Signature Card</h2> <p>The Club Carlson Premier Rewards Visa Signature card offers a sign-up bonus of 50,000 points after your first purchase, and another 35,000 points after spending $2,500 within 90 days of account opening. &nbsp;These points are enough to be redeemed for at least one free night, since award nights run from 9,000 to 70,000 points per night. In addition, cardholders receive another 40,000 points each year upon renewal. 10x points are earned from spending at Carlson Rezidor hotels, and 5x points everywhere else. Cardholders also receive Gold status automatically, which include benefits like free upgrades, early check-in and late checkout, discounts on food/beverage, and more. There is a $75 annual fee for this card.</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-credit-cards-with-sign-up-bonuses-for-hotel-stays">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/pitting-airline-against-hotel-rewards">Pitting Airline Against Hotel Rewards</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-stay-in-a-5-star-hotel-for-less-than-the-cost-of-a-motel">How to Stay in a 5-Star Hotel for Less Than the Cost of a Motel</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/10-surprising-ways-to-save-money-on-hotels">10 Surprising Ways to Save Money on Hotels</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/travel-resources">40 Most Useful Travel Websites That Can Save You a Fortune</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel hotels Thu, 06 Aug 2015 04:28:56 +0000 Jason Steele 1503639 at http://www.wisebread.com 5 Best Co-Branded Airline Credit Cards http://www.wisebread.com/5-best-co-branded-airline-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-co-branded-airline-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/000056810260.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Would you like to take a free trip? With that question, the credit card industry has been getting millions of customers to apply for their co-branded airline credit cards for decades. But at some point in the last ten years, the value of your frequent flyer miles has plummeted due to a phenomenon that is widely known as devaluation, which is when airlines raise the amount of miles it takes to book award tickets, and/or there are fewer seats offered at the lowest price.</p> <p>Therefore, the best airline credit cards will be from companies that have resisted devaluation, or at least offered cardholders enough perks and benefits to offset its effects. Here are five of the top co-branded airline cards that can still help you to realize the promise of a free trip.</p> <h2>Citi&reg; / AAdvantage&reg; Platinum Select&reg; MasterCard&reg;</h2> <p><a href="http://www.anrdoezrs.net/click-2822544-12201496-1430762780000?sid=5x_co-branded_airline" target="_blank"><img width="154" border="0" alt="" class="img-exempt" style="float:right;margin:0 10px;" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/CitiAAdvantagePlatinumSelectMasterCard.jpg" /></a>Citi and American Airlines offers <a href="http://www.wisebread.com/which-american-airlines-us-airways-credit-card-should-you-get?ref=internal">several co-branded cards</a>. But most importantly, American Airlines has devalued their program the least among all of the major carriers. There still tend to be many domestic awards offered for just 25,000 miles, round trip, in economy class, and round-trip, business class award flights to Europe are still just 100,000 miles.</p> <p>The <a href="http://www.wisebread.com/citi-platinum-select-aadvantage-world-mastercard-review?ref=internal">Citi&reg; / AAdvantage&reg; Platinum Select&reg; MasterCard&reg;</a> offers a number of perks and benefits that make it a worthwhile choice. &nbsp;New cardholders earn 30,000 bonus miles after spending $1,000 within three months of account opening -- enough for a domestic round-trip MilSAAver award. The card offers 2x miles on American Airlines and US Airways 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://www.anrdoezrs.net/click-2822544-12201496-1430762780000?sid=5x_co-branded_airline" target="_blank"><strong>Click here to learn more and apply for the Citi&reg; / AAdvantage&reg; Platinum Select&reg; MasterCard&reg; today!</strong></a></p> <h2>Southwest Airlines&reg; Rapid Rewards&reg; Premier Credit Card</h2> <p><a title="Southwest Airlines Rapid Rewards&reg; Premier Credit Card" alt="Southwest Airlines Rapid Rewards&reg; Premier Credit Card" rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=26123359&amp;fot=9999&amp;foc=2&amp;foc2=600365" target="_blank"><img border="0" src="http://content.linkoffers.net/SharedImages/Products/209558/600365.png" style="float:right;margin:0 10px;" class="img-exempt" alt="" /></a>Southwest is another carrier that makes it very easy to book award flights. Its <a href="http://www.wisebread.com/best-domestic-frequent-flyer-program-southwest-airlines-rapid-rewards-premier-credit-card?ref=internal">Rapid Rewards Premier card</a> offers 2x points on all Southwest purchases as well as with their hotel and car rental partners, and 1x on all others. Points are worth about 1.4 cents each towards award flights in their Wanna Get Away fare class, and there are never any change fees or checked baggage fees for your first two bags (although size and weight restrictions apply). New cardholders can earn 25,000 points after spending $1,000 on purchases within the first 3 months. You also earn 6,000 points each year on your cardmember anniversary. There is a $99 annual fee for this card, and no foreign transaction fees.</p> <p><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=26123359&amp;fot=1254&amp;foc=1" target="_blank"><strong>Click here to learn more and apply for the Southwest Airlines&reg; Rapid Rewards&reg; Premier Credit Card today!</strong></a></p> <h2>Gold Delta SkyMiles&reg; Credit Card from American Express</h2> <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3050763&amp;fot=1254&amp;foc=2&amp;foc2=598429" rel="nofollow" alt="Gold Delta SkyMiles&reg; Credit Card from American Express" title="Gold Delta SkyMiles&reg; Credit Card from American Express"><img border="0" alt="" src="http://content.linkoffers.net/SharedImages/Products/73/598429.png" style="float:right;margin:0 10px;" class="img-exempt" /></a>Although Delta has become the poster child for the devaluation of frequent flyer miles, there are enough perks and benefits in this card that frequent Delta passengers should consider it. First, new cardholders 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. Earn 2x miles on Delta purchases and 1 mile on other purchases. Benefits include first checked bag free for you and up to 8 traveling companions, priority boarding, and discounts on in-flight food, beverages, and entertainment. There is a $95 annual fee that is waived for the first year, and no foreign transaction fees.</p> <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3050763&amp;fot=1254&amp;foc=1" rel="nofollow"><strong>Click here to learn more and apply for the Gold Delta SkyMiles&reg; Credit Card from American Express today!</strong></a></p> <h2>United MileagePlus&reg; Explorer Card</h2> <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=16809253&amp;fot=1254&amp;foc=2&amp;foc2=605293" rel="nofollow" alt="United MileagePlus&reg; Explorer Card" title="United MileagePlus&reg; Explorer Card"><img border="0" alt="" src="http://content.linkoffers.net/SharedImages/Products/209853/605293.png" style="float:right;margin:0 10px;" class="img-exempt" /></a>One of the big benefits for the <a href="http://www.wisebread.com/travel-better-with-the-united-mileageplus-explorer-card?ref=internal">United MileagePlus&reg; Explorer Card</a> is that cardholders receive access to more &quot;Saver&quot; level, economy class awards and unlike other travelers, can book any unsold seat as a &quot;Standard&quot; award, which costs double the miles. Cardholders earn 2x miles on United purchases and 1 mile on other purchases. New cardholders can get 30,000 bonus points after spending $1,000 in the first 3 months. Add an authorized user to get another 5,000 bonus points after making a purchase during that time frame. Other benefits include priority boarding, discounts on in-flight purchases, and two United Club passes each year, as well as a 10,000 bonus miles each year you spend at least $25,000. There is a $95 annual fee for this card, that is waived the first year, and no foreign transaction fees.</p> <p><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=16809253&amp;fot=1254&amp;foc=1" rel="nofollow"><strong>Click here to learn more and apply for the United MileagePlus&reg; Explorer Card today!</strong></a></p> <h2>Alaska Airlines Visa Signature Card</h2> <p>Alaska's program remains very valuable, and its miles can be used on a wide array partners such as American Airlines, &nbsp;Aeromexico, Air France British Airways, Delta, Emirates, KLM, Korean, Cathay Pacific and LAN. Cardholders earn 3x miles per dollar spent at Alaska Airlines and 1 mile on other purchases. New cardholders can get 25,000 bonus miles upon approval -- no minimum spend required! You also get a free checked bag on Alaska flights and one Coach Companion Fare each year that costs just $121 ($99 base fare plus taxes and fees from $22). There is a $75 annual fee for this card, and a 3% foreign transaction fee.</p> <!--<h2>Virgin America Visa Signature Card</h2> <p>Virgin America points remain valuable and the card offers generous benefits. Cardholders earn 3 points per dollar spent with Virgin America and 1 point per dollar spent elsewhere. Your first checked bag is free for you and one companion and every year you get $150 off a companion ticket. New cardholders get 10,000 bonus points after spending $1,000 in eligible purchases within the first 90 days -- that&rsquo;s worth up to $200 toward a reward flight. There is a $49 annual fee.</p>--><!--<h2>Virgin America Visa Signature Card</h2> <p>Virgin America points remain valuable and the card offers generous benefits. Cardholders earn 3 points per dollar spent with Virgin America and 1 point per dollar spent elsewhere. Your first checked bag is free for you and one companion and every year you get $150 off a companion ticket. New cardholders get 10,000 bonus points after spending $1,000 in eligible purchases within the first 90 days -- that&rsquo;s worth up to $200 toward a reward flight. There is a $49 annual fee.</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-co-branded-airline-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-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-credit-card-perks-beyond-points-and-miles">The Best Credit Card Perks Beyond Points and Miles</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/pitting-airline-against-hotel-rewards">Pitting Airline Against Hotel Rewards</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-hotel-rewards-card-for-free-nights-marriott-rewards-premier-credit-card">The Best Hotel Rewards Card for Free Nights: Marriott Rewards Premier Credit Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-buy-and-sell-airline-miles">How to Buy and Sell Airline Miles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel airlines Wed, 05 Aug 2015 05:22:14 +0000 Jason Steele 1503618 at http://www.wisebread.com Asiana American Express Card from Bank of America Review http://www.wisebread.com/asiana-american-express-card-from-bank-of-america-review <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/asiana-american-express-card-from-bank-of-america-review" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000057253374.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Asiana Airlines is one of the two major airlines in South Korea and a member of the Star Alliance network. The Asiana American Express Credit Card provides an opportunity to earn miles on not only Asiana Airlines purchases, but gas and groceries as well. The card also includes a number of extra perks to its card members. Even if you aren&rsquo;t a frequent flyer with Asiana, if you just want to be able to redeem points for Asiana flights, this card is worth considering.</p> <h2>Why We Like This Card</h2> <ul> <li>Bonuses for gas and grocery store purchases</li> <li>10,000 bonus miles at sign up and every year</li> </ul> <h2>How This Card Works</h2> <p>Earn 3 miles for each dollar spent on purchases with Asiana Airlines, 2 miles for each dollar spent at gas stations and grocery stores, and 1 mile for each dollar spent everywhere else. Miles expire five years from the date they are posted to your account. There is also a cap of 200,000 miles per calendar year.</p> <p><strong>Sign up bonus:</strong> Get 10,000 bonus miles after your first purchase.</p> <p>Miles can be redeemed for flights with Asiana Airlines at 35,000 miles for a one-way flight from U.S. to Korea. Flights within Korea are available at 5,000 miles. You can also redeem miles for seat upgrades at 10,000 miles.</p> <h2>Other Benefits</h2> <p><strong>Lounge access.</strong> You receive two lounge invitations every year for Asiana Airlines lounges in the U.S. The invitation is only valid for the cardholder.</p> <p><strong>10,000 annual certificate.</strong> Each year, get 10,000 bonus miles Certificate to be redeemable for an Asiana international or Korea domestic ticket, seat class upgrade or excess bag allowance.</p> <p><strong>$100 rebate.</strong> Get an automatic $100 annual rebate on Asiana ticket purchases.</p> <p><strong>Overdraft protection.</strong> If you have a checking account with Bank of America, you can link the account to your credit card for extra protection against declined purchases, returned checks, or other overdrafts.</p> <p><strong>Chip card.</strong>&nbsp;Includes a microchip which can be used at chip terminals and provides extra protection and security against fraudulent purchases. Chip cards are accepted globally in over 130 countries.</p> <h2>Costs</h2> <ul> <li>$99 Annual Fee</li> <li>14.24% APR (purchases and balance transfers)</li> <li>The annual fee is $99. The balance transfer fee is $10 or 3%, whichever is greater. The foreign transaction fee is 1%</li> <li>3% Balance Transfer Fee</li> <li>1% Foreign Transaction Fee</li> </ul> <h2>Pros</h2> <p><strong>Earn miles for everyday purchases.</strong> Earn double miles on gas and groceries. Typically, airline rewards cards focus on travel benefits which results in carrying a separate card if you want to earn rewards for your day to day purchases.</p> <p><strong>Multiple anniversary bonuses.</strong> If you travel with Asiana Airlines, you can benefit quite a bit from the anniversary bonuses you receive every year. The lounge certificates are worth approximately 4,000 miles each, plus you receive 10,000 bonus miles and $100 off an Asiana Airlines flight. The bonuses are worth hundreds and you receive them every year on your card anniversary.</p> <h2>Cons</h2> <p><strong>Annual fee.</strong> Although the anniversary bonuses you receive every year are enough to cover the annual fee of $99, if you don&rsquo;t actually use the bonuses or don&rsquo;t fly with Asiana Airlines often, it may be difficult to justify the fee. The <a href="http://www.wisebread.com/travel-better-with-the-united-mileageplus-explorer-card?ref=internal">United MileagePlus Explorer Card</a> and <a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express?ref=internal">Starwood Preferred Guest Credit Card</a> allow 1:1 transfer of points to Asiana Club miles and both have annual fees of $95 waived for the first year. These cards allow far more redemption opportunities on other carriers.</p> <p><strong>Cap of 200,000 miles per year.</strong> Although the cap is set fairly high at 200,000 miles per calendar year, it can be a disadvantage; if for example, you spend more over $66,000 on Asiana Airlines purchases. Any purchases after you reach the cap will not earn miles. Many travel rewards credit cards allow you to earn an unlimited number of miles and even if there is a cap, it is only applied to bonus categories and not the &ldquo;other&rdquo; category. If you spend more than $67,000 per year with Asiana Airlines, $100,000 per year in gas and groceries, or a combination of all categories that would push you past the cap, you may be able to earn more rewards with a card such as the <a href="http://www.wisebread.com/capital-one-venture-rewards-card-review?ref=internal">Capital One Venture Rewards</a> which do not have limits to the awards you can earn.</p> <p><strong>Foreign transaction fee.</strong> Although the foreign transaction fee is low at 1%, it is still an additional fee attached to foreign purchases made with the credit card. If you frequently travel abroad or use your card for foreign purchases, the fee minimizes the value of the awards you earn from your purchases. The <a href="http://www.wisebread.com/chase-sapphire-preferred-review-500-signup-bonus?ref=internal">Chase Sapphire Preferred Card</a> has no foreign transaction fees and also allows 1:1 transfer of points to miles to several airline partners.</p> <h2>Who This Card Is Best For</h2> <p>This card is best for those who love to travel on Asiana Airlines and can benefit from the many anniversary bonuses the card provides, especially if you spend a lot on groceries and gas to boost your points accumulation. Because of the annual cap on miles, however, the Asiana Airlines Credit Card is best if you don&rsquo;t spend, as an example, over $67,000 per year in purchases with Asiana Airlines. Something else to consider is the 1% foreign transaction fee and how much this fee might devalue the rewards you earn on your purchases. (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=seealso">Best Credit Cards that Offer Travel Rewards</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/asiana-american-express-card-from-bank-of-america-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-13"> <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-best-hotel-rewards-card-for-free-nights-marriott-rewards-premier-credit-card">The Best Hotel Rewards Card for Free Nights: Marriott Rewards Premier Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Doesn&#039;t Get Easier Than This: Capital One Venture Rewards Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-free-nights-with-ihg-rewards-club-select-credit-card">Get Free Nights with IHG Rewards Club Select Credit Card</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/travel-better-with-the-united-mileageplus-explorer-card">Travel Better with the United MileagePlus Explorer Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-you-should-get-a-business-credit-card-over-a-consumer-card">When You Should Get A Business Credit Card Over a Consumer Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel Asiana Airlines Capital One chase Wed, 05 Aug 2015 05:15:33 +0000 Christina Majaski 1501981 at http://www.wisebread.com 5 Best Secured Cards with Travel Rewards http://www.wisebread.com/5-best-secured-cards-with-travel-rewards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-best-secured-cards-with-travel-rewards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000057953502.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The primary purpose of <a href="http://www.wisebread.com/what-are-secured-credit-cards?ref=internal">secured credit cards</a> is to repair or establish a credit history that results in a better credit score. If you have less than stellar credit, it can be difficult qualifying for <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal">good travel rewards credit cards</a> &ndash; many of which require an &ldquo;excellent&rdquo; credit rating, but there are secured cards which offer travelers a little more than other cards on the market. (See also: <a href="http://www.wisebread.com/the-5-best-secured-credit-cards?ref=seealso">5 Best Secured Cards</a>)</p> <p>Travelers often look for perks and benefits from credit cards that enhance their travel experience, provide awards for purchases made with the card, or just allow them to <a href="http://www.wisebread.com/5-best-secured-cards-with-low-or-no-foreign-transaction-fees?ref=internal">save a little money in foreign transaction fees</a>. Whether road tripping across the country or traveling overseas, there could be a number of reasons you need to travel, and poor or no credit shouldn&rsquo;t mean missing out on rewards and savings. If you need a good secured card that meets your traveling needs, consider these.</p> <h2>AeroMexico Visa Secured Card</h2> <p>U.S. Bank offers several co-branded airlines secured cards that allow you to earn miles. If you like to travel with AeroMexico, the <a href="http://www.wisebread.com/aeromexico-visa-secured-card-rebuild-your-credit-while-you-travel?ref=internal">AeroMexico Visa Secured</a> card provides a great opportunity to earn miles for your purchases while establishing or repairing your credit. Earn two miles for each dollar you spend on gas and grocery store purchases, and one mile for each dollar spent on all other purchases. Redeem your miles for AeroMexico flights, or with SkyTeam airlines such as Delta, Air France and Korea Air. You also get a free checked bag, travel accident insurance, and a companion certificate each year. The annual fee is $25, waived for the first year, and the APR for purchases and balance transfers is 22.99%.</p> <h2>LANPASS Visa Secured Card</h2> <p>Another offering from U.S. Bank is the LANPASS Visa Secured Card, which offers 1 mile for every dollar you spend, with no caps on miles and a 5,000 mile bonus when you make your first purchase. There is also a 10% discount on your first LAN purchase each year. The APR for purchases and balance transfers is 22.99% and the annual fee is $0 for the first year and $25 after that.&nbsp;</p> <h2>Korea Air SKYPASS Visa Secured Card</h2> <p>The SKYPASS Visa Secured Card allows you to earn 1 mile for every $1 spent on purchases, with 5,000 bonus miles after your first purchase. Additionally, you get 1,000 bonus miles at renewal each year. Miles can be redeemed for flights and upgrades on Korean AIr and SkyTeam partners. Other benefits include travel accident insurance, EMV chip technology, auto rental insurance, and travel &amp; emergency assistance. The APR for purchases and balance transfers is 16.24% and the annual fee is $50.</p> <h2>Best Western Rewards Secured Card</h2> <p>The only secured card that offers rewards on hotel stays, the Best Western Rewards Secured MasterCard offers 3x points for each dollar spent at Best Western and 1 point for each dollar spent elsewhere. There is no limit to the number of points you can earn. Get 5,000 bonus points for your first purchase. Points are redeemable for Best Western stays and upgrades. There is a $40 annual fee for this card, and the APR for purchases and balance transfers is 20.99%.&nbsp;</p> <h2>SunTrust Secured Credit Card with Cash Rewards</h2> <p>The <a href="http://www.wisebread.com/suntrust-secured-credit-card-with-cash-rewards-review?ref=internal">SunTrust Secured Card</a> isn&rsquo;t normally considered a travel rewards credit card. If, however, you find yourself on the road often, it is one of the rare secured cards that allow you to earn cash rewards on your gas purchases. You can receive 2% cash back on the first $6,000 spent yearly on gas and grocery store purchases, and 1% cash back on all other purchases.</p> <p>As an additional bonus, if you have a SunTrust checking, savings, or money market account, you receive a 10% bonus on the cash back deposited. This can add up to a significant savings on gas if your traveling involves filling up at the pump. The card is also chip-enabled, which is convenient when traveling, and provides additional travel benefits such as travel accident insurance up to $250,000. The annual fee is $32.</p> <h2>Avianca LifeMiles Visa Secured Card</h2> <p>The LifeMiles Visa Secured Card earns one mile for every dollar you spend, with a 5,000 miles bonus after your first card use. Additional benefits include 15% baggage fee redemption discount and travel accident insurance. Redeem miles for Avianca flights. The APR for purchases and balance transfers if 22.99%. The annual fee is $25, waived for the first year.&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/5-best-secured-cards-with-travel-rewards">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/lanpass-visa-secured-credit-card-review">LANPASS Visa Secured Credit Card Review</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-secured-mastercard-the-best-option-for-repairing-your-credit">Capital One Secured MasterCard: The Best Option for Repairing Your Credit</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/first-choice-bank-primor-secured-visa-gold-card-review">First Choice Bank primor Secured Visa Gold Card Review</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-secured-cards-with-low-or-no-foreign-transaction-fees">5 Best Secured Cards with Low or No Foreign Transaction Fees</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-secured-credit-cards-that-don-t-require-credit-checks">5 Best Secured Credit Cards that Don’t Require Credit Checks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel building credit secured cards Sat, 01 Aug 2015 01:39:28 +0000 Christina Majaski 1504328 at http://www.wisebread.com 8 Things to Do with Kids at the St. Croix National Scenic Riverway http://www.wisebread.com/8-things-to-do-with-kids-at-the-st-croix-national-scenic-riverway <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-things-to-do-with-kids-at-the-st-croix-national-scenic-riverway" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/stcroix1.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><font color="#666666"><i>This post contains references to products from our advertisers. We may receive compensation when you click on links to those products. Please visit our <a href="http://www.wisebread.com/advertiser-disclosure">Advertiser Disclosure</a> to view our partners, and for additional details.</i></font></p> <p>With a three-year-old and an 11-month old, most weekends my family stays pretty close to home. But when I learned that one of our nation's national parks, the St. Croix National Scenic Riverway, is less than an hour's drive from my hometown of Minneapolis, Minnesota, I knew my family could enjoy some time away together without the long drive to make. The St. Croix National Scenic Riverway is a unique national park because it is long and narrow, encompassing 225 miles of the St. Croix and Namekagon Rivers along the border of Wisconsin and Minnesota, and is made up almost entirely of the waterway. And what better way to spend a Midwest summer weekend than on the water? Courtesy of the Amex EveryDay Credit Card our family was able to enjoy some great moments together and create new memories. (<a href="http://bit.ly/1elJ6qC">Jump to details on how to win a free trip to a national park</a>.)</p> <h2>1. Camp</h2> <h2><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/stcroix5.jpg" width="605" height="340" alt="" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; font-style: normal; color: rgb(51, 51, 51); line-height: 22.1000003814697px;" /></h2> <p>Interestingly, because the national park is mostly water, the park has extremely primitive camping (think holes in the ground and no real toilets). Instead, the national park's website directs you to camp overnight at some of the many state parks that adjoin the national park. While I might be up for true wilderness camping with just my spouse, with the two little ones we thought a more developed campground would be a better fit. We opted for William O'Brien state park, which shares land and water with the national park. Our older one loved setting up the tent, &nbsp;&quot;building&quot; a fire (by gathering sticks), and exploring the campground with the many other kids nearby. Surprisingly, he slept extremely well in the tent. Our 11 month old loved crawling around the campsite, trying to eat dirt, and playing inside the tent. (She didn't sleep so well.)</p> <h2>2. Boat</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/stcroix6.jpg" width="605" height="340" alt="" /></p> <p>Since the St. Croix Scenic Riverway is a <i>river</i>, one of the best ways to explore it is by boat. Both Stillwater and Taylor's Falls have very large boats which you can take a river cruise on. We had planned on taking a lunch cruise out of Taylor's Falls, but due to thunderstorms decided to skip it this time around. Various parts of the rivers are good for kayaking and canoeing, which was a little too risky for our ever-moving 11 month old, but would be great with a child old enough to sit still. Our kids turned out to be good &quot;pontoon-ers.&quot; Slow moving and enclosed, a pontoon boat proved the best way for our family to get out on the water.</p> <p>There are plenty of places to rent boats, or public water access spots, all along the river, and you'll likely need a credit card if you want to rent. If you use your Amex EveryDay, you can get Membership Rewards points for all these purchases.</p> <h2>3. Fish</h2> <p>Interestingly, adult Minnesota residents can fish within the state park without having to obtain a fishing license. And kids younger than 16 don't have to get a fishing license anywhere in the state. We got a kid-sized pole, but the fish weren't active enough for my three-year-old. Nevertheless, it's a great activity to teach kids patience and for them to learn more about nature.</p> <h2>4. Hike</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/stcroix7.jpg" width="605" height="340" alt="" /></p> <p>There are hundreds of miles of trails up and down the St. Croix and Namekagon Rivers. We carried our youngest in a baby carrier and let the three-year-old walk. He loved running up and down the trails, climbing the large stones left by glaciers many years ago, and finding interesting leaves and bugs to pick up.</p> <h2>5. Make S'mores</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/stcroix2.jpg" width="605" height="340" alt="" /></p> <p>No trip to a national park is complete without a campfire and s'mores. Luckily for us it didn't rain during our entire stay there and we were able to build a campfire. The three-year-old found sticks for us to cook the marshmallows with. And I can't think of anything that makes a kid happier than eating a s'more. (And I used my EveryDay card for the supplies purchases, making it even easier for me to enjoy this #EverDayMoment.)</p> <h2>6. Eat St. Croix Chocolate</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/stcroix4.jpg" width="605" height="340" alt="" /></p> <p>When I was researching the best locally made chocolates for Valentine's Day this year I learned about the St. Croix Chocolate Company. I didn't order any at the time, but I couldn't have been happier to have stumbled upon it just outside the boundaries of the national park in Marine on St. Croix. We pulled the car over, and like the proverbial kid in a candy store, my son was in heaven. Truly gourmet chocolates, these are as much for the parents as the kids.</p> <h2>7. Visit Teddy Bear Park</h2> <p>While Stillwater, Minnesota is technically just beyond the boundaries of the national park, if you're driving to the St. Croix River from Minneapolis, you'll drive right through the town and by a park called Teddy Bear Park. If you have young children, it is definitely worth a stop. There are activities for kids ranging from just crawling to a playground large enough for 10 or 12-year-olds. They also have clean restrooms which makes it an easy stopping point on your road trip.</p> <h2>8. Eat Snacks on the Road Trip</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/stcroix3.jpg" width="605" height="340" alt="" /></p> <p>I have fond memories of roadtrips with my family when I was growing up, and they all involve peanut butter M&amp;M's (which my dad insisted was a must for every road trip.) We used our Amex EveryDay to load up on snacks at the grocery store (which I love because you get 2x points at U.S. grocery stores) before we headed out of town, and then at stops along the way. With the number of stops we made, it was easy to compile almost our entire 20 purchases, which earn us a 20% bonus each card-period that we make 20 purchases. An added benefit for the roadtrip? The EveryDay card comes with access to the Roadside Assistance Hotline, which will coordinate help if a tire blows or your car breaks down. Thankfully, we didn't need this feature on our trip to the St. Croix National Scenic Riverway.</p> <p>St. Croix National Scenic Riverway is a phenomenal national park to visit with kids. Load up the car with lots of snacks and the hour drive from the Twin Cities will go by fast.</p> <p>Starting on July 30th, Amex EveryDay is <a href="http://bit.ly/1elJ6qC">kicking off a contest</a> that encourages people to share a photo and caption of their own #EveryDayMoments, taken at any park, for a chance to win one of three trips to some spectacular National Parks: National Mall &amp; Memorial Parks (Washington, DC), Yosemite National Park (California) and Grand Canyon National Park (Arizona).</p> <p><a href="http://bit.ly/1elJ6qC">Click Here to Enter</a> between July 30th and August 31st; terms apply.</p> <p><i>What is your favorite national park to visit with kids?</i></p> <p><i>Disclaimer: I am an Amex EveryDay CardMember and Ambassador for this program. However, all opinions about the Card are my own.</i></p> <div> <p><em>Editorial&nbsp;Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author&rsquo;s alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain.</em></p> </div> <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/8-things-to-do-with-kids-at-the-st-croix-national-scenic-riverway">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-15"> <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-money-saving-tips-for-the-summer-road-trip">5 Money-Saving Tips for the Summer Road Trip</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-ways-to-minimize-baggage-fees-when-flying">5 Ways to Minimize Baggage Fees When Flying</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/surefire-ways-to-save-on-summer-camp-costs">Surefire Ways to Save on Summer Camp Costs</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/train-now-for-a-summertime-family-cycling-trip">Train Now for a Summertime Family Cycling Trip</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/travel-resources">40 Most Useful Travel Websites That Can Save You a Fortune</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Travel Thu, 30 Jul 2015 11:00:12 +0000 Elizabeth Lang 1476878 at http://www.wisebread.com