points http://www.wisebread.com/taxonomy/term/355/all en-US 6 Ways to Tell If a Credit Card Offer Is a Good One http://www.wisebread.com/6-ways-to-tell-if-a-credit-card-offer-is-a-good-one <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-tell-if-a-credit-card-offer-is-a-good-one" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_woman_at_home.jpg" alt="Young woman at home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Credit cards can be a powerful tool for your finances if you use them wisely. In order to do that, though, you need to know exactly what you're getting into with each credit card. Here's what you should look for to determine if a credit card offer is good or not.</p> <h2>1. Look for the lowest interest rate</h2> <p>Saying &quot;low interest rate&quot; and &quot;credit card&quot; in the same sentence is almost paradoxical; credit cards are high-interest loans, which is why carrying a balance on them is such a bad idea. However, within the limited world of credit card interest rates, you want to go as low as possible.</p> <p>Credit card interest rates can range from 13 percent all the way up to 22 percent. You'll want to consider two interest rates when you look at a credit card offer: the introductory interest rate, and the annual percentage rate that kicks in once that introductory period is over. (See also: <a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards?ref=seealso" target="_blank">The Best Low Interest Rate Credit Cards</a>)</p> <h2>2. Consider the introductory interest rate</h2> <p>Sometimes it's worthwhile to take a card with a higher APR if it also provides a longer, lower introductory interest rate. It depends on how you plan to use the card. For instance, if you're going to make a big purchase on a card and pay it off within a few months, you might want to get the card with the 0 percent introductory interest rate for 15 months, even though its annual rate is higher than another offer.</p> <p>The key here, of course, is to be sure you stick to your plan and pay off the balance before the introductory term is up. Be aware, too, of factors that could cause that introductory rate to go away sooner than expected; one missed or late payment, for instance, might cause the 0 percent interest rate to turn into that 19 percent interest rate you really want to avoid. (See also: <a href="http://www.wisebread.com/6-things-you-might-miss-in-your-credit-cards-fine-print?ref=seealso" target="_blank">6 Things You Might Miss in Your Credit Card's Fine Print</a>)</p> <h2>3. Look into the points and perks</h2> <p>Some people use credit cards to their advantage by accumulating reward points or other perks. If you're smart with your credit card use and pay off your balance monthly, that can be a good plan.</p> <p>But it's only worth the trouble if the points or perks are things that have value for you in real life. If you travel frequently, for example, a credit card that gets you <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards" target="_blank">hotel room discounts</a> and <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards" target="_blank">better airfare</a> can be a great deal. Shop around for the best points-per-purchase ratio so you get the most return for your dollars spent. (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=seealso" target="_blank">The Best Travel Reward Credit Cards</a>)</p> <p>And, of course, you'll need to be aware of any fine print that might keep you from accumulating those points or perks. For example, are there particular types of purchases that don't count for credit card rewards? If so, can you still use your credit card enough on other, valid purchases to accumulate the rewards you want?</p> <h2>4. Check out their protective policies</h2> <p>Identity theft is a very real issue, and you'll want to know that any credit card you use has good security measures in place to prevent it from happening. You should also look for a card that will protect you and your assets in the case of identity theft or fraudulent purchases. What are their terms for protecting your identity, and what action will they take if your card is lost, stolen, or used fraudulently? (See also: <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about?ref=seealso" target="_blank">14 Awesome Credit Card Perks You Didn't Know About</a>)</p> <p>Most legitimate credit card companies offer fraud protection, but don't assume that's so. Read the fine print to be sure that the card you're considering will cover any fraudulent charges. Will they require you to provide proof of any kind in order to receive reimbursement?</p> <h2>5. Check out all possible fees</h2> <p>Are there hidden fees for every possible scenario? It's standard for a credit card to come with fees for late or missed payments, of course. How much are these fees, and when are they assessed? Do the fees increase if you accumulate more than one? Are there unexpected ways in which you could end up accruing fees? There may be fees for particular types of transactions (such as <a href="http://www.wisebread.com/how-a-credit-card-cash-advance-costs-you-more-than-a-purchase" target="_blank">cash advances</a> or <a href="http://www.wisebread.com/7-important-things-you-should-know-about-balance-transfer-cards" target="_blank">balance transfers</a>). Look for a card offer that designates the fees it will assess and the amount for each one so you can be sure to avoid them. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-no-balance-transfer-fees?ref=seealso" target="_blank">The Best Credit Cards With No Balance Transfer Fees</a>)</p> <h2>6. Consider all potential use limits</h2> <p>How you plan to use the card is a big factor in which the credit card offer can benefit you the most. For example, if you want a credit card to use while traveling, you'll need to make sure the card is accepted at most places where you are going, and has <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=internal" target="_blank">no foreign transaction fees</a>. If, on the other hand, you want a credit card for your child to use at college, you might prefer a card with a lower credit limit and a more forgiving interest rate. (See also: <a href="http://www.wisebread.com/4-important-ways-college-students-should-use-credit-cards?ref=seealso" target="_blank">4 Important Ways College Students Should Use Credit Cards</a>)</p> <p>Consider how you'll use the card and search for an offer that gives you the maximum benefits for the precise use you have in mind. Knowing how you'll use a credit card is key to using one wisely, and remember: In all cases, paying off the balance as quickly as possible is key to keeping more money in your pocket. (See also: <a href="http://www.wisebread.com/travel-perks-you-didnt-know-your-credit-card-had?ref=seealso" target="_blank">12 Travel Perks You Didn't Know Your Credit Card Had</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-ways-to-tell-if-a-credit-card-offer-is-a-good-one&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Ways%2520to%2520Tell%2520If%2520a%2520Credit%2520Card%2520Offer%2520Is%2520a%2520Good%2520One.jpg&amp;description=6%20Ways%20to%20Tell%20If%20a%20Credit%20Card%20Offer%20Is%20a%20Good%20One"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Ways%20to%20Tell%20If%20a%20Credit%20Card%20Offer%20Is%20a%20Good%20One.jpg" alt="6 Ways to Tell If a Credit Card Offer Is a Good One" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/6-ways-to-tell-if-a-credit-card-offer-is-a-good-one">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/3-easy-ways-to-improve-your-credit-score-during-the-holidays">3 Easy Ways to Improve Your Credit Score During the Holidays</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-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</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/should-you-buy-a-car-with-a-credit-card">Should You Buy a Car With a 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/which-credit-card-should-you-use-to-get-free-hotel-stays">Which Credit Card Should You Use to Get Free Hotel Stays?</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-fix-your-finances-after-missing-a-payment">How to Fix Your Finances After Missing a Payment</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance balance transfers credit card offers fees fine print interest rates introductory offers late payments perks points rewards Tue, 10 Oct 2017 08:30:10 +0000 Annie Mueller 2031628 at http://www.wisebread.com How Families Can Earn and Use Travel Rewards http://www.wisebread.com/how-families-can-earn-and-use-travel-rewards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-families-can-earn-and-use-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/family_looking_out_window_at_airport.jpg" alt="Family looking out window at airport" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When it comes to travel rewards, families have different needs than single travelers and couples. For example, families are typically less flexible than other travelers, as they need to work their vacations around school schedules. Families also tend to go to popular vacation destinations during peak travel seasons, while others may be more interested in out-of-the-way destinations. And obviously, families tend to travel in larger groups than singles or couples.</p> <p>So, if you need to earn rewards that you can use toward a family vacation, consider these award travel strategies. (See also: <a href="http://www.wisebread.com/how-to-use-miles-and-points-for-a-big-award-trip?ref=seealso" target="_blank">How to Use Miles and Points for a Big Award Trip</a>)</p> <h2>The Southwest plan</h2> <p>Southwest Airlines is an <a href="http://www.wisebread.com/why-southwest-airlines-is-the-best-domestic-airline-for-families?ref=internal" target="_blank">ideal carrier for family travelers</a>. It offers two free checked bags for everyone, and it doesn't impose fees for changing your reservation once you've purchased tickets. It also features early boarding for families with young children, and an open seating policy that makes it easy for families to ensure that they are sitting together.</p> <p>Southwest also offers the Companion Pass, which lets you book a second extra ticket at no charge (other than taxes), on every flight including award tickets. To receive a Companion Pass, you need to earn 110,000 points within a single calendar year. Fortunately, Southwest offers various credit cards that help you get there. The pass can significantly cut your family's travel costs for the year.</p> <h2>Earn miles that can be redeemed as travel statement credits</h2> <p>The problem that most families have with traditional frequent flyer programs is that awards are seldom available at the lowest mileage levels. This is especially true at peak travel times when families travel, and for groups of three or more.</p> <p>Therefore, the best way for families to earn award travel is to use a credit card that offers miles that can be redeemed as statement credits toward any travel reservations. These <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">travel rewards credit cards</a> allow you to book your own travel (flights, hotel, car rentals, cruises, tours, and more) on any booking site you prefer, and then use your points toward those purchases. This gives families the most flexibility in terms of being able to use their hard earned travel rewards for an actual trip. (See also: <a href="http://www.wisebread.com/best-credit-cards-with-easy-travel-redemption?ref=seealso" target="_blank">Best Credit Cards With Easy Travel Redemption</a>)</p> <h2>Earn points that can be transferred to different frequent flyer and hotel programs</h2> <p>Another great award travel strategy for families is to earn flexible <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles?ref=internal" target="_blank">rewards that can be transferred to numerous travel partners</a>. This gives you the ability to earn points on your credit card without having to commit to a particular airline or hotel chain.</p> <p>Cards in this category may allow you to rack up points, and then transfer them when you're ready to use one of several popular airline or hotel rewards programs. While travel statement credits are even more flexible, with those programs your points are usually worth about 1 cent a piece. You can often get a better rate when you transfer to, say, an airline program and book an expensive flight. (See also: <a href="http://www.wisebread.com/comparing-miles-which-airline-loyalty-program-is-better?ref=seealso" target="_blank">Which Airline Rewards Program Has the Best Value for Their Miles?</a>)</p> <h2>Be flexible with travel plans and expectations</h2> <p>Redeeming travel rewards for a trip is not for the faint of heart. While going with the flexible redemption option allows you the most freedom to plan a trip according to your precise preferences, being flexible with your plans will give you the most <em>value</em> out of your hard earned rewards. This means that if you want to get the largest discount off your trip, you'll want to identify the destinations and resorts that are available under that travel program. You might not get the exact hotel you want, or even visit the exact city that you want, but if you can be flexible and open minded, even a large family can take advantage of travel rewards and redeem them for an amazing vacation. (See also: <a href="http://www.wisebread.com/6-tricks-to-making-the-most-of-your-reward-miles?ref=seealso" target="_blank">5 Tricks to Making the Most of Your Reward Miles</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-families-can-earn-and-use-travel-rewards&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520Families%2520Can%2520Earn%2520and%2520Use%2520Travel%2520Rewards.jpg&amp;description=How%20Families%20Can%20Earn%20and%20Use%20Travel%20Rewards"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20Families%20Can%20Earn%20and%20Use%20Travel%20Rewards.jpg" alt="How Families Can Earn and Use Travel Rewards" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/how-families-can-earn-and-use-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-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/the-best-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</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/12-expert-tips-for-redeeming-miles-for-free-travel">12 Expert Tips for Redeeming Miles for Free 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/9-ways-to-use-travel-rewards-cards-to-get-free-trips">How to Use Travel Rewards Cards to Get Free Trips</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/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card Rewards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-credit-card-should-you-use-to-get-free-hotel-stays">Which Credit Card Should You Use to Get Free Hotel Stays?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel airlines awards family frequent flyers hotels miles points rewards tickets trips vacation Fri, 15 Sep 2017 08:30:05 +0000 Jason Steele 2020048 at http://www.wisebread.com 6 Reasons Cash Back Is Better Than Travel Rewards http://www.wisebread.com/6-reasons-cash-back-is-better-than-travel-rewards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-reasons-cash-back-is-better-than-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/woman_shopping_holding_credit_card_cash_dollar_bills.jpg" alt="Woman shopping holding credit card cash dollar bills" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you apply for a rewards credit card, you usually have to choose between cash back and travel rewards. To help sway your decision, the companies that offer travel rewards credit cards often try to seduce you with images of exciting vacation destinations that you can supposedly use your rewards for. (See also: <a href="http://www.wisebread.com/how-travel-rewards-credit-cards-really-work?ref=seealso" target="_blank">How Travel Rewards Credit Cards Really Work</a>)</p> <p>For people who travel often, these rewards programs can be very valuable. Some expensive airfares, for instance, can be had for rewards rates that no cash-back card can compete with. (See also: <a href="http://www.wisebread.com/comparing-miles-which-airline-loyalty-program-is-better?ref=seealso" target="_blank">Which Airlines Offer the Best Value for Their Miles?</a>)</p> <p>But most people don't travel enough to earn the points needed to score such deals. You may find the points and miles that these travel reward cards offer to be difficult, or sometimes impossible, to redeem for reservations you need. As a result, cash back credit cards are the better choice for many people. (See also: <a href="http://www.wisebread.com/how-rewards-credit-cards-really-work?ref=seealso" target="_blank">How Cash Rewards Credit Cards Really Work</a>)</p> <p>Here are six reasons that <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal" target="_blank">cash-back cards</a> could be a better choice than travel rewards.</p> <h2>1. Cash back offers consistent value</h2> <p>What's a point or mile worth with your favorite airline or hotel program? You may never know, as you could receive excellent value from your rewards one day, and very poor value at another time. But with cash back, you always know exactly what your rewards are worth (usually 1 cent per point or a certain percentage of your purchases).</p> <p>See also: <a href="http://www.wisebread.com/best-credit-cards-that-offer-flat-rate-rewards-for-all-spending?ref=seealso2" target="_blank">Best Credit Cards that Offer Flat Rate Rewards for All Spending</a></p> <h2>2. Cash-back cards have gotten more competitive</h2> <p>It used to be that a strong cash-back card allowed you to earn 1 percent on most purchases, and perhaps 2 percent on a few bonus categories such as groceries or gas. But now, there are plenty of cards that offer as much as 5 or 6 percent bonus cash back on purchases from eligible merchants such as <a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards?ref=internal" target="_blank">gas stations</a>, <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?ref=internal" target="_blank">grocery stores</a>, and <a href="http://www.wisebread.com/best-credit-cards-for-office-supply-purchases?ref=internal" target="_blank">office supply stores</a>. (See also: <a href="http://www.wisebread.com/how-credit-card-issuers-classify-your-purchases-for-bonus-rewards?ref=seealso" target="_blank">How Credit Card Issuers Classify Your Purchases for Bonus Points</a>)</p> <h2>3. Frequent traveler programs are less valuable</h2> <p>If you've tried to redeem your airline miles or hotel points recently, then you know how hard it can be to get substantial value from your rewards. For example, most airlines now charge a &quot;standard&quot; rate that requires at least double the miles of the traditional rates, often referred to now as the &quot;saver&quot; rates. Unfortunately, airlines have gotten stingy about the amount of award seats available at the saver rate. (See also: <a href="http://www.wisebread.com/which-credit-cards-have-the-best-travel-redemption-value?ref=seealso" target="_blank">Which Credit Cards Have the Best Travel Redemption Value?</a>)</p> <p>Likewise, hotel programs may claim to make every standard room available as an award for points, but many independently owned properties have gotten around this by curtailing the number of rooms that are labeled &quot;standard.&quot; As a result, you may well be told that no rooms are available for your points, as the remaining ones have a superior &quot;city view&quot; or &quot;garden view.&quot;</p> <h2>4. Cash back is more flexible</h2> <p>Even when you can earn travel rewards that are equal in value to the cash back that you could have earned, you may find yourself wanting cash instead. By using a travel rewards card, you are limiting yourself to travel rewards, whether or not you actually want or need to travel. For example, if you have several thousand dollars' worth of travel rewards, you might regret not earning cash back if you decide not to travel next year due to illness, job loss, or just a busy work schedule.</p> <p>In short, you can always use your cash back to pay for travel reservations, but you can't pay your bills with frequent flyer miles. (See also: <a href="http://www.wisebread.com/5-ways-to-earn-cashback-rewards-without-extra-spending?ref=seealso" target="_blank">Best Ways to Earn Cash Back Without Spending Extra</a>)</p> <h2>5. Points and miles depreciate, while cash earns interest</h2> <p>As travel reward programs have become less valuable, your points and miles have fallen in value as a &quot;currency.&quot; And there's seemingly no end to this process. It's a fair bet to say you can expect the miles that you've already earned to fall in value each year. This is important as it can take some people years to save up enough travel points for a big trip. On the other hand, you can invest your cash back rewards and earn interest just as you would on your other savings.</p> <h2>6. Travel prices are falling</h2> <p>Flying is less expensive than it once was, thanks in part to low fuel prices and increased competition from ultra low-cost airlines. It's actually common to find sales offering domestic airfare for less than $100 each way. While that's great news for travelers, it also means that your frequent flyer miles are worth less than they were when flights were more expensive. In addition, home sharing services like Airbnb have reduced the cost of lodging for many travelers. This makes hotel stays less necessary and their rewards points less valuable.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-reasons-cash-back-is-better-than-travel-rewards&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Reasons%2520Cash%2520Back%2520Is%2520Better%2520Than%2520Travel%2520Rewards.jpg&amp;description=6%20Reasons%20Cash%20Back%20Is%20Better%20Than%20Travel%20Rewards"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Reasons%20Cash%20Back%20Is%20Better%20Than%20Travel%20Rewards.jpg" alt="6 Reasons Cash Back Is Better Than Travel Rewards" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/6-reasons-cash-back-is-better-than-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-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-turn-credit-card-rewards-into-real-wealth">5 Ways to Turn Credit Card Rewards Into Real Wealth</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-with-your-travel-rewards-credit-cards">7 Things You Should Never Do With Your Travel Rewards 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/9-ways-to-use-travel-rewards-cards-to-get-free-trips">How to Use Travel Rewards Cards to Get Free Trips</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/12-expert-tips-for-redeeming-miles-for-free-travel">12 Expert Tips for Redeeming Miles for Free Travel</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/4-credit-card-transactions-that-dont-earn-rewards">4 Credit Card Transactions That Don&#039;t Earn Rewards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards best value cash back interest points rewards travel Tue, 12 Sep 2017 08:30:10 +0000 Jason Steele 2019383 at http://www.wisebread.com 10 Little-Known Secrets to Saving Money on Your Next Cruise http://www.wisebread.com/10-little-known-secrets-to-saving-money-on-your-next-cruise <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-little-known-secrets-to-saving-money-on-your-next-cruise" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_relaxing_on_cruise_drinking_cocktail.jpg" alt="Girl relaxing on cruise drinking cocktail" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Cruising has long been considered an affordable vacation option for couples, groups, and families. With cruise ports dotted across the country, if you live near a coastline, you could probably drive to your departure port and save money on airfare. And with your food and entertainment included in the cruise fare itself, the bulk of your vacation expenditures are paid for upfront.</p> <p>Once you pay for your cruise, plus applicable taxes and port fees, you'll have little else to cover other than transportation, tips, alcohol, and cruise stop excursions.</p> <p>Of course, creative cruisers have been saving in other ways for years. With some out-of-the-box thinking, there are numerous ways to save on common cruise &quot;extras&quot; or avoid them completely.</p> <p><span style="color: rgb(17, 17, 17); font-family: georgia; font-size: 1.5em; font-weight: normal;">1. Book when &quot;kids cruise free&quot;</span></p> <p>With onboard kids' clubs, pools, water parks, and endless family-friendly activities to choose from, most cruises are ideal for families with kids.</p> <p>Still, you may be able to save even more if you book a cruise where &quot;kids cruise free.&quot; Believe it or not, some of the <a href="http://www.wisebread.com/5-most-affordable-cruise-lines-for-families" target="_blank">most affordable cruise lines for families</a> waive cruise fare for kids on at least some sailings. For example, MSC Cruises has the most enticing offer, which is year-round. On many of their Caribbean cruises, children ages 11 and under cruise free with paid adults.</p> <p>Keep in mind, however, that even &quot;free&quot; kid cruises require the payment of government-mandated taxes and port fees for your stowaways.</p> <h2>2. Save up to 82 percent on last-minute cruises</h2> <p>While many people plan their cruise vacations far ahead of time, you can save a bundle if you wait until the last minute. A website called VacationstoGo.com promises up to 82 percent off unsold cruises that depart within 90 days.</p> <p>At the moment, you can score a six-night Alaskan cruise on Norwegian for as little as $449, or a four-night Caribbean cruise on Carnival for as little as $224 per person. A seven-night French Polynesia cruise on Paul Gauguin that retails for $7,000 per person can be had for $2,499 per head on certain dates.</p> <p>Keep in mind, however, that the lowest discount fares usually apply to interior rooms and may not include taxes and port fees.</p> <h2>3. Save with cruise-friendly rewards credit cards</h2> <p>An array of rewards credit cards let you earn points redeemable for any cruise of your choosing. Most of the <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">best travel credit cards</a> offer this option, especially flexible cards.</p> <p>Carnival and several other cruise lines offer their own co-branded credit card with a sign-up bonus and ongoing earning potential, as well. If you want to save money, it helps to check out the <a href="http://www.wisebread.com/best-credit-cards-for-cruises" target="_blank">best credit cards for cruises</a> ahead of time.</p> <h2>4. Bring your own booze</h2> <p>While cruises include food, snacks, entertainment, and some drinks, most don't include alcohol in their regular cruise fares. Unfortunately, onboard drinks are notoriously expensive, and they can really add up if you don't watch it.</p> <p>The good news is, you may be able to bring your own booze on board &mdash; specifically wine. Each cruise line has its own policy. For example, Carnival lets you bring up to one bottle of wine per person in your luggage on embarkation day.</p> <h2>5. Book your own excursions</h2> <p>Cruises are interesting because they let you visit multiple destinations with a diverse offering of activities. On the flip side, &quot;excursions&quot; are not generally included in cruise fare and can be expensive on their own. Sometimes excursions can cost as much as the cruise itself!</p> <p>Most of the time, you can avoid cruise ship markup by booking excursions yourself. Imagine your Carnival cruise stops in Aruba and you want to go snorkeling in the crystal clear waters. You could book Aruba's Dushi Sail &amp; Snorkel excursion with lunch through Carnival for $89.99 per adult, or you could book directly with the operator for $61 per adult.</p> <p>Websites like <a href="http://www.viator.com/" target="_blank">Viator.com</a> are especially helpful when it comes to booking shore excursions at a discount.</p> <h2>6. Skip the excursions</h2> <p>Most cruise stops offer free stuff to do in addition to paid shore excursions. If you're creative and flexible, you can enjoy each port without paying an arm and a leg.</p> <p>Most beach destinations have free public beaches, and other stops let you sightsee or visit parks for free. <a href="http://boards.cruisecritic.com/" target="_blank">Cruise critic forums</a> are a great place to get ideas for free stuff to do. You can also gain insights on local bus routes that will take you away from the port and off the beaten path for cheap.</p> <h2>7. Get your status matched</h2> <p>Cruise &quot;status&quot; works a lot like hotel or airline status. If you cruise with the same cruise line often enough, you can eventually earn status upgrades good for cruise discounts, room upgrades, early boarding, and additional perks.</p> <p>But, what if you're tired of cruising with the same company over and over? While it's not well known, cruise lines will occasionally &quot;match&quot; your status to earn your business. MSC Cruises does this all year long, and will match your cruise or even your hotel status to earn your business.</p> <h2>8. Book a repositioning cruise</h2> <p>When cruise lines need to move their ships from one place to another during seasonal changes, rather than sending an empty cruise ship, they will often offer a repositioning cruise at a steep discount. These one-way journeys &mdash; say, from Alaska to Hawaii &mdash; may offer a few stops in the early part of the trip, but otherwise, you are at sea for much of the time. You can still enjoy the sea views and take advantage of onboard activities.</p> <p>You can shop for repositioning cruises on any cruise website, and on discount travel websites like Expedia and Travelocity. You can also scoop even lower fares on repositioning cruises through <a href="http://vacationstogo.com/repositioning_cruises.cfm" target="_blank">VacationtoGo.com</a>.</p> <h2>9. Get a credit card with no foreign transaction fees</h2> <p>Cruising to multiple international destinations sounds like a lot of fun, and using your credit card is usually the best way to get around without exchanging currency. Unfortunately, many cards charge a foreign transaction fee that tacks an extra 3 percent onto everything you buy.</p> <p>You can get around these extra charges by signing up for a <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=internal" target="_blank">credit card with no foreign transaction fees</a> before your cruise. Some cards that fall into this category have rewards programs that make them even more valuable, and/or come without annual fees, too.</p> <h2>10. Turn cruise gift cards into discounts</h2> <p>If you're into credit card rewards and have your heart set on a specific cruise, it can pay to combine both goals into one. By purchasing gift cards for your favorite cruise line with your rewards card, you can earn more rewards over time, even using them to offset the cost of your cruise if you want. Check your credit card rewards portal to see if it offers cruise gift cards as redemption options for your points. Otherwise, use your favorite rewards credit card to purchase them.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-little-known-secrets-to-saving-money-on-your-next-cruise&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Little-Known%2520Secrets%2520to%2520Saving%2520Money%2520on%2520Your%2520Next%2520Cruise.jpg&amp;description=10%20Little-Known%20Secrets%20to%20Saving%20Money%20on%20Your%20Next%20Cruise"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Little-Known%20Secrets%20to%20Saving%20Money%20on%20Your%20Next%20Cruise.jpg" alt="10 Little-Known Secrets to Saving Money on Your Next Cruise" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/10-little-known-secrets-to-saving-money-on-your-next-cruise">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-6-best-vacation-deal-websites">The 6 Best Vacation Deal Websites</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/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card 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/the-best-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</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/which-credit-card-should-you-use-to-get-free-hotel-stays">Which Credit Card Should You Use to Get Free Hotel Stays?</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-families-can-earn-and-use-travel-rewards">How Families Can Earn and Use Travel Rewards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel booking cruise ships cruises deals discounts kids points ports rewards sailing saving money vacation Thu, 24 Aug 2017 08:09:50 +0000 Holly Johnson 2008286 at http://www.wisebread.com Amazing Destinations You Can Go to With Rewards Points and Miles http://www.wisebread.com/amazing-destinations-you-can-go-to-with-rewards-points-and-miles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/amazing-destinations-you-can-go-to-with-rewards-points-and-miles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_photographing_zeus_temple_in_acropolis.jpg" alt="Woman photographing Zeus temple in Acropolis" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While credit card rewards may not be life-changing for everyone, for some, they make the impossible possible. With airline miles, hotel points, cash back, or flexible rewards, many people find they can afford to travel farther, and potentially stay longer. And, who knows? Perhaps you can visit a destination you've always dreamed of.</p> <p>If you're aching to see parts of the world you assume are beyond your reach, researching airline and hotel rewards programs can help you see what's possible. <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards" target="_blank">Airline credit cards</a> can help you get free flights, <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards" target="_blank">hotel credit cards</a> can help you score free accommodations, and <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards" target="_blank">flexible travel cards</a> allow you to use points for all kinds of travel expenses.</p> <p>Need help jump-starting your wanderlust? Here are five bucket list spots you can absolutely see with rewards.</p> <h2>1. Bora Bora</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/bora_bora_hammock.jpg" width="605" height="340" alt="" /></p> <p>Bora Bora is undoubtedly the most beautiful island in French Polynesia. A short flight from Tahiti, this island paradise is comprised of tiny islands (<em>motus</em>) that surround a central mountain and an inspiring, azure blue lagoon teeming with sea life. While Bora Bora is perfect for a honeymoon or romantic retreat, it's well known as a fun (albeit expensive) family destination as well.</p> <h3>How to get there</h3> <p>There are numerous ways to get at least part of the way to Bora Bora with airline miles. From Los Angeles International (LAX) to Papeete (PPT), Tahiti, for example, you can fly round trip with Alaska Airlines for 80,000 miles plus taxes and fees. You can also fly round trip using Air France's Flying Blue program for 60,000 miles plus taxes, or 80,000 American AAdvantage miles plus taxes round trip.</p> <p>No matter how you get to Tahiti, however, you'll have to pay around $400 per person, round trip, for the short flight from Papeete to Bora Bora. The airline that operates this leg (Air Tahiti) doesn't offer a mileage program.</p> <h3>Where to stay</h3> <p>Numerous hotel programs promise to let you stay in Bora Bora for free, including the InterContinental Bora Bora Resort, which you can book with free nights from the&nbsp;IHG Rewards Club.&nbsp;If you build a stash of Hilton Honors points, on the other hand, you can score free stays at the Conrad Bora Bora Nui.</p> <h2>2. Maldives</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/sunset_on_maldives_island_water_villas_resort.jpg" width="605" height="340" alt="" /></p> <p>The Maldives is another tropical destination well known for its crystal-clear waters and overwater bungalows. Smack dab in the Indian Ocean, the Maldives are expensive to visit and quite a trek for most of us to reach. However, there's a reason why so many people travel to the ends of the earth for a stay in the Maldives. According to many who have been there, the water, scenery, and atmosphere make it one of the most beautiful and unique destinations in the world.</p> <h3>How to get there</h3> <p>The best airline strategy for the Maldives depends a lot on where you live. Many would say that Air France is the way to go due to its plentiful award availability and cheap economy redemptions. Currently, you can book round-trip flights from New York City to Male, the capital, for 80,000 Flying Blue miles plus around $400 in taxes and fees.</p> <p>Cathay Pacific is another option if you have Alaska Airlines miles. For just 60,000 Alaska miles plus taxes you can fly from certain U.S. cities to Male on Cathay. (See also: <a href="http://www.wisebread.com/5-amazing-travel-destinations-you-thought-were-unaffordable?ref=seealso" target="_blank">5 Amazing Destinations You Thought Were Unaffordable</a>)</p> <h3>Where to stay</h3> <p>The Hyatt Credit Card offers two free nights you can use to stay in any Hyatt property worldwide, and that includes the Park Hyatt Maldives Hadahaa. That means if you're going to be traveling with a spouse or partner, you can both get the card and book two subsequent reservations, for a total of four free nights.</p> <h2>3. Aruba</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/royal_plaza_oranjestad_aruba.jpg" width="605" height="340" alt="" /></p> <p>Aruba is one of the Lesser Antilles islands in the southern Caribbean Sea. Known for its desert landscape and amazing blue waters, Aruba is bursting with hotels, casinos, night life, and water activities galore. While Aruba is popular for land-based vacations, cruise ships bring thousands of passengers to the island weekly. Fortunately, Aruba's location in the Caribbean makes it fairly easy to travel there on points.</p> <h3>How to get there</h3> <p>While you can get to Aruba a few different ways, the easiest strategy is utilizing <a href="http://www.wisebread.com/why-southwest-airlines-is-the-best-domestic-airline-for-families?ref=internal" target="_blank">Southwest Rapid Rewards</a> points. Depending on where you live in the United States, you can usually get to Aruba for less than 25,000 miles plus taxes round trip. Another popular option is Flying Blue, especially if your credit card rewards program transfers to the frequent flyer program. On Flying Blue, you can get to Aruba for 25,000 miles plus taxes and fees round trip.</p> <h3>Where to stay</h3> <p>Most of the major hotel chains let you earn points for free stays in Aruba. Marriott Rewards can help you score free nights at the Renaissance Aruba Resort &amp; Casino, the Aruba Marriott Resort &amp; Stellaris Casino, Marriott Aruba Surf Club, and more. You can also stay at the Holiday Inn Resort Aruba with IHG Rewards points, or at the Hyatt Regency Aruba Resort, Spa &amp; Casino with World of Hyatt points.</p> <h2>4. Italy</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/colosseum_in_rome_and_morning_sun_italy_0.jpg" width="605" height="340" alt="" /></p> <p>Italy is a bucket list destination for nearly everyone, well known for its inspiring culture, historical sites, delicious cuisine, and dynamic landscapes, which span from the mountainous north to idyllic beachfronts on the country's western shore. While most people go to Italy to see major sites like Rome's Colosseum and Forum, the Vatican, or the world-famous art spread across Florence, others dream of Tuscan wineries, lazy beach days in Cinque Terre or Sorrento, or a trip to the famous island of Capri.</p> <h3>How to get there</h3> <p>If you're looking for a cheap and easy way to get to Italy, check out American Airlines' AAdvantage program. If you fly coach and travel off-peak (October 15&ndash;May 15), you can score a round-trip flight for just 45,000 miles plus airline taxes and fees.</p> <h3>Where to stay</h3> <p>The best part about being in Italy isn't its huge, prestigious hotels; it's the side streets and the intimate culture of the locals. To see the real Italy, we recommend booking an Airbnb or condo, which you can do with a credit card that offers rewards for all kinds of travel purchases.</p> <h2>5. Greece</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/santorini_sunset_at_dawn_village_of_oia_greece.jpg" width="605" height="340" alt="" /></p> <p>Greece is home to some of the most wondrous sites on the planet &mdash; the renowned Parthenon, Olympia where the world's first Olympic Games were held, the historic Delphi, and the mountaintop monasteries of Meteora. That doesn't even include the famous Greek Islands, such as Crete and Santorini. Fortunately, Greece is also cheap to visit, with plentiful hotels and resorts for less than $100 or even $50 per night.</p> <h3>How to get there</h3> <p>Flying to Greece can be cheap and easy with airline miles. You can fly round-trip economy using United MileagePlus for 60,000 miles plus taxes and fees. If you have American AAdvantage miles, you can score an off-peak fare for 45,000 miles plus taxes and fees.</p> <h3>Where to stay</h3> <p>Greece is another country where it's smart and economical to book a small, independent hotel versus a big chain property. Sign up for a credit card that offers a travel portal through which you can use rewards points to book cheap hotels (with free breakfast). Or, opt for a flexible card that offers travel credit so you can book an Airbnb or a small boutique hotel near the major sites.</p> <h2>Credit cards that will get you there</h2> <p>Start earning points with your everyday purchases today! These credit cards allow you to transfer your points to the airline programs mentioned above.</p> <h3>Chase Sapphire Preferred&reg; Card</h3> <p>The <a href="http://www.wisebread.com/chase-sapphire-preferred-review" target="_blank">Chase Sapphire Preferred&reg; Card</a> is offering 50,000 points after you spend $4,000 on your card within the first three months. Those points are worth $625 if you use them to book travel through the Chase Ultimate Rewards portal, but they can be worth considerably more when you transfer them to a partner airline (includes Air France and United) or hotel (Hyatt, Marriott, Ritz-Carlton, and IHG). This card does charge a $95 annual fee, but the fee is waived the first 12 months.</p> <h3>Gold Delta Skymiles Credit Card from American Express</h3> <p>Since Delta is part of the SkyTeam Alliance, you can use points to book flights on Air France and Alaska Airlines.</p> <h3>Citi&reg; / AAdvantage&reg; Platinum Select&reg; World Elite&trade; Mastercard&reg;</h3> <p>Use points to book flights on oneworld alliance partners, like Cathay Pacific.</p> <h3>The Platinum Card&reg; from American Express&nbsp;</h3> <p>The current offer on the&nbsp;<a href="http://www.wisebread.com/amex-platinum-do-the-perks-justify-the-fee" target="_blank">The Platinum Card&reg; from American Express</a>&nbsp;makes it possible to earn 60,000 points after you use your card for $5,000 in purchases within the first three months of card membership. While you could potentially afford a flight to Europe by booking through the AmexTravel.com portal (where 60,000 points is worth $600 in flights), you'll get better value with an Amex transfer partner (includes Air France, Delta, Starwood Preferred Guest, and Hilton).</p> <p>While the card does have a $550 annual fee, it includes $200 airline credit, lounge access to over 1,000 lounges around the world, Uber credits, and a global entry credit which add up to way more value than that, but only if you actually use it.</p> <h3>BankAmericard Travel Rewards</h3> <p>Use this card to apply points as statement credit to any travel purchases that you have to make that's not covered with points. (See also: <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?ref=seealso2" target="_blank">How to Get a Free Vacation in 9 Months Through Credit Cards</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Famazing-destinations-you-can-go-to-with-rewards-points-and-miles&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FAmazing%2520Destinations%2520You%2520Can%2520Go%2520to%2520With%2520Rewards%2520Points%2520and%2520Miles.jpg&amp;description=Amazing%20Destinations%20You%20Can%20Go%20to%20With%20Rewards%20Points%20and%20Miles"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Amazing%20Destinations%20You%20Can%20Go%20to%20With%20Rewards%20Points%20and%20Miles.jpg" alt="Amazing Destinations You Can Go to With Rewards Points and Miles" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/amazing-destinations-you-can-go-to-with-rewards-points-and-miles">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card 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/the-best-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</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-families-can-earn-and-use-travel-rewards">How Families Can Earn and Use Travel Rewards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-credit-card-should-you-use-to-get-free-hotel-stays">Which Credit Card Should You Use to Get Free Hotel Stays?</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/12-expert-tips-for-redeeming-miles-for-free-travel">12 Expert Tips for Redeeming Miles for Free Travel</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel beaches Europe greece hotels islands Italy miles points rewards tropical vacation Mon, 10 Jul 2017 08:30:17 +0000 Holly Johnson 1978029 at http://www.wisebread.com The Best Airline Rewards Programs for Trips to Europe http://www.wisebread.com/the-best-airline-rewards-programs-for-trips-to-europe <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-best-airline-rewards-programs-for-trips-to-europe" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-511319338.jpg" alt="couple in Europe" title="couple in Europe" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>If you&rsquo;ve been dreaming of a trip to Europe but can&rsquo;t stomach the cost of airfare, now is the perfect time to rethink your travel goals. Scoring a round-trip flight to nearly any European city may be easier than you think. The following airline loyalty programs offer great deals on their award seats.</p> <p>If you&rsquo;re trying to decide which airline program to join to get to Europe, consider these (and the credit cards that help you accrue points faster with them). (See also: <a href="http://www.wisebread.com/6-european-destinations-finally-cheap-enough-to-visit?ref=seealso">6 European Destinations Finally Cheap Enough to Visit</a>)</p> <h2>Air France/KLM Flying Blue</h2> <p>With Flying Blue, a round-trip flight to Europe is only 50,000 points from most American cities. And if you&rsquo;re worried that Air France or KLM don&rsquo;t fly out of your home airport, don&rsquo;t despair. You can book Air France and KLM flights with Delta Air Lines, which is part of the SkyTeam Airline Alliance with Air France, KLM, and others.</p> <p>For this summer, I booked round-trip flights into Munich, Germany and home from Zurich, Switzerland using 50,000 Flying Blue miles for each of my family members. Keep in mind you&rsquo;ll still need to pay government-mandated airline taxes and fees in addition to your miles. For our summer trip using Flying Blue miles, our taxes worked out to around $93 per person.</p> <h2>British Airways Avios</h2> <p>British Airways flights to Europe can cost varying amounts based on the class of ticket and when you fly. However, you can find off-peak round-trip tickets to most European cities for less than 50,000 BA points, called Avios, plus taxes and fees.</p> <p>While anything less than 50,000 miles to Europe is a steal, you must keep an eye on those taxes and fees. British Airways is notorious for its larger-than-life fuel surcharges on transatlantic itineraries, and there&rsquo;s no way around them. Before you transfer points to British Airways, make sure you have a handle on the fees you&rsquo;ll pay.</p> <h2>Air Canada Aeroplan</h2> <p>You can pick up an economy flight with Air Canada to most western European countries for 60,000 miles round-trip. You&rsquo;ll also need to pay government-mandated taxes and fees.</p> <p>Air Canada is also part of Star Alliance, meaning you can use them to book flights on European partners like Lufthansa. The number of miles you&rsquo;ll need will vary depending on when you travel and the country you&rsquo;re traveling to.</p> <h2>Delta SkyMiles</h2> <p>The bad news about Delta Air Lines is that they no longer publish an award chart. The good news is, you can occasionally find round-trip flights to Europe for 50,000&ndash;60,000 miles. It helps to do some digging, be flexible with dates and times, and be willing to fly into and out of alternate airports.</p> <p>Since Delta is part of the SkyTeam Alliance, you can use points to book flights on KLM or Air France. Again, the number of points you&rsquo;ll need will depend on your destination and travel dates.</p> <h2>Etihad</h2> <p>Award availability on Etihad can be extremely limited. If you&rsquo;re considering this strategy, make sure to start looking early and stay flexible in terms of dates and times. Once you&rsquo;re able to find a seat, you can fly round-trip to Europe for 60,000 miles plus taxes and fees.</p> <h2>Credit cards that transfer to airline partners</h2> <p>Joining the loyalty program of an airline that will fly to your desired European destination is just the first step. Loading up on miles and points is the next. The credit cards below transfer to the programs mentioned above. Use them for your everyday purchases and start planning your European adventure. Sometimes the bonus alone (after the spending requirement) can be enough for one round trip ticket!</p> <h3>Chase Sapphire Preferred&reg; Card</h3> <p><img src="http://www.imgsynergy.com/191x120/chase-sapphire-preferred-card-110716.png" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" alt="" width="154" border="0" height="97" /><a href=" http://ct.wisebread.com/click.php?pg=289&amp;pid=38&amp;pp=1&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>The <a href="http://ct.wisebread.com/click.php?pg=289&amp;pid=38&amp;pp=1&amp;uv=xname" rel="nofollow" target="_blank">Chase Sapphire Preferred&reg; Card</a> is offering 50,000 points after you spend $4,000 on your card within the first three months from account opening. Those points are worth $625 if you use them to book travel through the Chase Ultimate Rewards portal, but they can be worth considerably more when you transfer them to a partner airline (includes Air France/KLM Flying Blue and British Airways Avios). This card does charge a $95 annual fee, but the fee is waived the first year.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=289&amp;pid=38&amp;pp=1&amp;uv=xend" rel="nofollow" target="_blank">Click here to learn more and apply for the Chase Sapphire Preferred&reg; Card today!</a></strong></p> <h3>Gold Delta SkyMiles&reg; Credit Card from American Express</h3> <p><img class="img-exempt" style="float:right;margin:0 5px 5px 10px;" src="http://www.imgsynergy.com/191x120/gold-delta-skymiles-credit-card-from-american-express-022415.png" alt="" width="154" border="0" /><a target="_blank" href="http://ct.wisebread.com/click.php?pg=289&amp;pid=9&amp;pp=2&amp;uv=xcardbutton" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>The <a target="_blank" href="http://ct.wisebread.com/click.php?pg=289&amp;pid=9&amp;pp=2&amp;uv=xname">Gold Delta SkyMiles&reg; Credit Card from American Express</a> is offering new cardholders 30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months. Redeem miles toward travel on Delta and more than 15 airline partners. There is a $0 introductory annual fee for the first year, then $95. Terms apply. <a href="https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-gold-credit-card/26129-10-0/?print#terms-details">See rates and fees</a>.</p> <p><strong><a target="_blank" href="http://ct.wisebread.com/click.php?pg=289&amp;pid=9&amp;pp=2&amp;uv=xend">Click here to learn more and apply for the Gold Delta SkyMiles&reg; Credit Card from American Express today!</a></strong></p> <h3>The Platinum Card&reg; from American Express</h3> <p><img style="float:right;margin:0 5px 5px 10px;" class="img-exempt" src="http://imgsynergy.com/product_creatives/d7a443fe113188ab241309d0eb0c2e33.png" alt="" width="154" border="0" height="97" /><a style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;" target="_blank" alt="The Platinum Card&reg; from American Express" title="The Platinum Card&reg; from American Express" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=289&amp;pid=11&amp;pp=3&amp;uv=xcardbutton"><img alt="" class="img-exempt img-button" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a>The current welcome offer on the <a href="http://ct.wisebread.com/click.php?pg=289&amp;pid=11&amp;pp=3&amp;uv=xname" target="_blank">Platinum Card&reg; from American Express</a> makes it possible to earn 60,000 points after you use your card for $5,000 in purchases within the first three months of card membership. While you could potentially afford a flight to Europe by booking through the AmexTravel.com portal (where 60,000 points is worth $600 in flights), you&rsquo;ll have a better shot at getting to Europe with an Amex transfer partner (includes Air Canada, British Airways, Delta, Etihad, and KLM/Air France).</p> <p>This card comes with a $550 annual fee. However, it also include up to a $200 airline credit, access to over 1,000 lounges around the world, up to $200 for Uber rides, and a global entry credit do add up to more value than that, but only if you actually use it. Terms apply. <a href="https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/platinum-charge-card/26129-10-0/?print#terms-details">See rates and fees.</a></p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=289&amp;pid=11&amp;pp=3&amp;uv=xend" target="_blank">Click here to learn more and apply for the&nbsp;The Platinum Card&reg; from American Express today!</a></strong></p> <p>(See also: <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?ref=seealso2">How to Get a Free Vacation in 9 Months through Credit Cards</a>)</p> <h2>Tips for getting to Europe with points</h2> <p>Before you dive in, there are a few things you should know. Consider these tips:</p> <ul> <li>Start earning points early. Airline miles are notoriously difficult to use due to limited award availability, blackout dates, and the general wonkiness of their online booking portals. The best strategy for anyone planning to use miles is to start earning them early &mdash; then book ahead. Booking at least nine months in advance will make finding the flights you want easier.</li> <li>Check for award availability before you transfer points. Even if an airline promises you can get to a specific destination on miles, that doesn&rsquo;t mean it offers the award availability. Before you transfer points to an airline, check to make sure the flights you want are available.</li> <li>Compare taxes and fees with different transfer partners. Some airlines tack ridiculous fees on award bookings, and these fees can make using your miles especially expensive. Make sure to compare fees and availability with different airlines before you settle on an award flight with high fees.</li> </ul> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%20Best%20Airline%20Rewards%20Programs%20for%20Trips%20to%20Europe.jpg" alt="The Best Airline Rewards Programs for Trips to Europe" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/the-best-airline-rewards-programs-for-trips-to-europe">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/how-families-can-earn-and-use-travel-rewards">How Families Can Earn and Use Travel 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/5-steps-to-picking-the-best-airline-credit-card-for-the-most-rewards-value">5 Steps to Picking the Best Airline Credit Card for the Most Rewards 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/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card Rewards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/amazing-destinations-you-can-go-to-with-rewards-points-and-miles">Amazing Destinations You Can Go to With Rewards Points and 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/how-to-save-frequent-flyer-miles-that-are-about-to-expire">How to Save Frequent Flyer Miles That Are About to Expire</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel Airfare airlines credit cards destinations Europe fees international miles points rewards taxes vacation Sun, 02 Jul 2017 20:24:55 +0000 Holly Johnson 1973264 at http://www.wisebread.com 4 Credit Card Transactions That Don't Earn Rewards http://www.wisebread.com/4-credit-card-transactions-that-dont-earn-rewards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-credit-card-transactions-that-dont-earn-rewards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/internet_banking.jpg" alt="Internet banking" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Rewards credit cards can be a great way of earning a little something extra for the purchases you make every day. Most rewards cards dole out 1&ndash;5 points for each dollar you spend. But there are a few transactions that <em>never </em>earn rewards. Keep these in mind so you don't end up disappointed when you look at your rewards statement later on (and instead try the strategies that follow to boost your rewards earnings).</p> <h2>1. Cash advances at an ATM</h2> <p>If you use your credit card for a cash advance at an ATM, you are running up a balance on your credit card. Unfortunately, that balance won't earn you any rewards points &mdash; or any love from your card issuer. Whenever you take out a&nbsp;<a href="http://www.wisebread.com/how-a-credit-card-cash-advance-costs-you-more-than-a-purchase?ref=internal" target="_blank">cash advance from an ATM</a>, you should plan on paying a higher interest rate immediately on the advance amount, as well as a cash advance fee of 2&ndash;5 percent and any fees that the individual ATM charges.</p> <h2>2. Cash advance checks you receive in the mail</h2> <p>Those cash advance checks you receive in the mail might seem like an awesome deal. You write the check out to yourself, cash it, and the money is yours. Unfortunately, that money will need to be paid back, along with fees, of course.</p> <p>You can expect to pay the same fees as you pay for withdrawing cash from an ATM, except for the ATM fee. You'll still pay a transaction fee and a higher interest rate on your cash advance, though. There will be no grace period before interest starts accruing on the cash advance, either. And just like a cash advance from an ATM, you won't earn any rewards for the privilege.</p> <h2>3. Balance transfers</h2> <p>In a perfect world, we could all earn millions of credit card points by endlessly transferring balances. We could transfer the same balance back and forth for years, earning oodles of welcome bonuses and points for our spending.</p> <p>But in this world,&nbsp;you never earn rewards on balance transfers.&nbsp;Banks would simply lose too much money if they offered this option, so they don't.</p> <p>While you don't earn rewards with balance transfers, that doesn't mean they're not valuable. Many of the <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=internal" target="_blank">best 0 percent APR cards</a> charge no interest on the amount transferred for 12&ndash;21 months. You can gain huge savings on interest while you pay off your debt.</p> <p>And while it's usually best not to use a balance transfer card to make new purchases, if you do have to do that, some balance transfer cards offer rewards on purchases. (See also: <a href="http://www.wisebread.com/6-hidden-dangers-of-credit-card-balance-transfers?ref=seealso" target="_blank">6 Hidden Dangers of Balance Transfers</a>)</p> <h2>4. Purchases made with points</h2> <p>When your credit card has a rewards program, it's easy to conflate your cash spending with rewards purchases. But if you use points for a purchase (instead of cash), you won't earn any points when you buy. The bank only wants to reward you for spending actual money on the card.</p> <p>Here's an example. Imagine you have a travel credit card and you decide to book an excursion through the card's travel portal. You set your sights on a snorkeling tour in Grand Cayman, and find you have the option to pay with points or to fork over $70 per person.</p> <p>If you pay with cash, you'll absolutely earn rewards for the purchase. But if you turn in your points instead, you'll be out of luck. (See also: <a href="http://www.wisebread.com/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards?ref=seealso" target="_blank">Once-In-A-Lifetime Experiences I've Earned With Credit Card Rewards</a>)</p> <h2>How to boost your rewards over time</h2> <p>Fortunately, there are plenty of safe, reliable methods to beef up your point balances on your <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal" target="_blank">favorite rewards credit card</a>. Best of all, nothing we're about to suggest involves paying interest or upfront fees at all.</p> <p>Here are four ways to earn more rewards over time.</p> <h3>1. Use your rewards credit card for everyday purchases</h3> <p>The best way to earn more rewards isn't complicated. By simply <a href="http://www.wisebread.com/best-credit-cards-for-everyday-purchases?ref=internal" target="_blank">using your card for all your regular purchases</a> (think gas, groceries, and miscellaneous), you can earn a ton of points over time. If you spend $1,000 on your card every month and earn an average 2 percent back, for example, you'll rack up $20 per month in rewards &mdash; or $240 per year. (See also: <a href="http://www.wisebread.com/how-to-save-an-extra-109486-a-year?ref=seealso" target="_blank">How to Save an Extra $1,094.86 a Year</a>)</p> <h3>2. Pay all your bills on credit</h3> <p>Another strategy to boost your rewards is to put your regularly occurring expenses on your credit card. Think of anything you have on automatic payments &mdash; life insurance, cellphone bill, utility payments. If they're currently set up to be paid via debit automatically, you could earn more rewards by setting them up on your favorite credit card instead. Just be sure to check with the provider to make sure you won't have to pay a fee for using credit. (See also: <a href="http://www.wisebread.com/should-you-pay-your-bills-with-a-credit-card?ref=seealso" target="_blank">Paying Your Bills With a Credit Card</a>)</p> <h3>3. Shop through online portals when possible</h3> <p>Many rewards card issuers offer their own online shopping portals that make earning rewards even easier. You'll need to log in to the portal, then you can click through to major retailers to earn extra points for every dollar you spend. Options vary and deals change often, but you can usually earn at least one or two bonus points for every dollar you spend on that card.</p> <p>Sometimes you'll see deals for as many as 30 bonus points. Merchants include online stores like Kohls, Best Buy, Macy's, and many others. (See also: <a href="http://www.wisebread.com/5-ways-to-earn-cashback-rewards-without-extra-spending?ref=internal" target="_blank">5 Ways to Earn Cashback Rewards Without Extra Spending</a>)</p> <p>Of course, if you want to make your rewards card work for you, avoid running a balance. While earning 1&ndash;5 percent back on your purchases is certainly appealing, those rewards will disappear quickly if you're forking over the average credit card interest rate.</p> <p>When it comes to credit, tread carefully and only charge what you can afford to repay. If you wind up in debt in pursuit of rewards, you'll regret it.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/4-credit-card-transactions-that-dont-earn-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-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/6-reasons-cash-back-is-better-than-travel-rewards">6 Reasons Cash Back Is Better Than Travel 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/9-ways-to-use-travel-rewards-cards-to-get-free-trips">How to Use Travel Rewards Cards to Get Free Trips</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-with-your-travel-rewards-credit-cards">7 Things You Should Never Do With Your Travel Rewards Credit Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-smart-ways-to-meet-a-rewards-card-minimum-spending-requirement">5 Smart Ways to Meet a Rewards Card Minimum Spending Requirement</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-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards ATM balance transfers cash advances cash back online shopping points rewards Wed, 14 Jun 2017 08:31:17 +0000 Holly Johnson 1965247 at http://www.wisebread.com Once-In-A-Lifetime Experiences I've Earned With Credit Card Rewards http://www.wisebread.com/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-466442994.jpg" alt="Traveler earning experiences with credit card rewards" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As a travel rewards enthusiast, I've burned through well over a million points and miles in the last few years alone. While I've cashed in some of our credit card points for boring stuff (think motel stays and flights to work conferences), my family and I have also enjoyed once-in-a-lifetime excursions that have helped us see the world in new ways. (See also: <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?ref=seealso" target="_blank">5 Steps to Getting a Free Vacation in 9 Months</a>)</p> <p>The best part is, these experiences have all been free, thanks to <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">travel rewards credit card</a> points and airline miles. Here are some of the most memorable adventures we've checked off our bucket list using rewards points.</p> <h2>Snorkeling with stingrays in Grand Cayman</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5169/Greg%20Stingray.jpg" width="605" height="340" alt="" /></p> <p>In May of 2016, I surprised my husband with a trip to Caribbean island of Grand Cayman. We used points from the <a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express?ref=internal" target="_blank">Starwood Preferred Guest program</a> to stay at The Westin Grand Cayman, and we paid for our flights with <a href="http://www.wisebread.com/which-american-airlines-us-airways-credit-card-should-you-get?ref=internal" target="_blank">American Airlines AAdvantage</a> miles.</p> <p>The highlight of the trip: an excursion to Stingray City, a famous stretch of sandbar that's home to dozens of huge stingrays. I booked this excursion with <a href="http://www.wisebread.com/this-might-be-the-best-travel-rewards-program-no-matter-what-airline-you-fly?ref=internal" target="_blank">Chase Ultimate Rewards points</a> so it didn't even cost a dime.</p> <p>Once we arrived by boat to the sandbar, we were surrounded by enormous stingrays within minutes. We climbed down a ladder into the crystal-clear water, and the stingrays approached all around. Some let you hold them and even kiss them, while others just swam around our legs. The entire trip was a hoot, and we got awesome pictures of ourselves holding stingrays as big as five feet across. (See also: <a href="http://www.wisebread.com/9-ways-to-use-travel-rewards-cards-to-get-free-trips?ref=seealso" target="_blank">How to Use Travel Rewards Cards to Get Free Trips</a>)</p> <h2>Luxing out at the Park Hyatt Paris-Vendôme<strong> </strong></h2> <p>A few years ago, we used two free nights from my Hyatt credit card to book a weekend stay at the Park Hyatt Paris-Vendôme. Considering the fact that rooms here usually cost $800+ per night, this isn't just any hotel. (See also: <a href="http://www.wisebread.com/how-to-stay-in-a-5-star-hotel-for-less-than-the-cost-of-a-motel?ref=seealso" target="_blank">How to Stay in a 5-Star Hotel for Less Than the Cost of a Motel</a>)</p> <p>The lobby is pristine, with art and décor that screams Parisian elegance. The large rooms are decorated in gold leaf, while the whole hotel reeks of luxury and seclusion. The breakfast, which we got for free, was regularly more than $100 for two people. And the service was impeccable.</p> <p>Because the hotel was the most luxurious I have ever stayed in, it was an experience in itself. (See also: <a href="http://www.wisebread.com/breakdown-of-benefits-and-value-of-the-best-hotel-rewards-programs-and-credit-cards?ref=seealso" target="_blank">Benefits and Value of the Best Hotel Rewards Programs and Cards</a>)</p> <h2>Exploring Athens on an electric bike</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5169/Late%20Day%20Athens.jpg" width="605" height="340" alt="" /></p> <p>When my husband and I visited Greece in 2016, we wanted a fun and interesting way to see the city. While we did a lot of exploring on foot, we were stoked when we found an electric bike tour we could book through Chase Ultimate Rewards.</p> <p>The weather was perfect the day of our trip, making breezing through ancient Athens fun and comfortable. On our electric bikes, we viewed the Acropolis and its famous Parthenon from afar, visited other historic sites like the Roman Agora and the Temple of Zeus, and zipped through busy streets lined with locals and tourists dining al fresco.</p> <p>We thought the bike tour was the perfect way to see parts of the city up close and can't wait to do something similar again. (See also: <a href="http://www.wisebread.com/are-airline-or-travel-rewards-credit-cards-the-better-deal?ref=seealso" target="_blank">Are Airline or Travel Rewards Credit Cards the Better Deal?</a>)</p> <h2>Touring ancient Tuscany on rewards</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5169/San%20Gimignano%20Tour%20-%20Tuscany.jpg" width="605" height="340" alt="" /></p> <p>When we went to Italy a few years ago, we wanted to see some of the countryside near Florence without renting a car. We found the perfect solution: a day trip to three ancient cities throughout Tuscany, which we booked using Chase Ultimate Rewards points.</p> <p>After we boarded our bus near the train station in Florence, we set off to experience the unique charms of San Gimignano, Pisa, and Siena.</p> <p>Our visit to the medieval town of San Gimignano was a wander back in time. The walled city is home to beautifully preserved tower homes &mdash; the medieval equivalent of skyscrapers. After climbing 200+ steps to the top of the highest tower, we were rewarded with some of Tuscany's best views.</p> <p>In Pisa, we of course saw the Leaning Tower of Pisa and its adjacent baptistery. And yes, we got a silly picture of ourselves pretending to hold up the tower. Our last stop was Siena, where we visited the beautiful gothic cathedral known as the Siena Duomo, strolled through the famous Piazza del Campo in the heart of the city, then explored the winding city streets on our own. (See also: <a href="http://www.wisebread.com/comparing-miles-which-airline-loyalty-program-is-better?ref=seealso" target="_blank">Which Airline Miles Have the Best Value?</a>)</p> <h2>Snorkeling through Cenotes in Mexico</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5169/Greg%20and%20Lydia%20Snorkeling.jpg" width="605" height="340" alt="" /></p> <p>Another excursion we loved was snorkeling within three separate ecosystems in Mexico. This is yet another trip we booked with points through the Chase Ultimate Rewards portal, and it was a great one.</p> <p>After the bus picked us up at our Playa del Carmen hotel, we went to swim in a freshwater cenote &mdash; a natural sinkhole formed where a cave ceiling has collapsed. There, we saw tons of tiny tropical fish and zip-lined from a platform high above. Next, we snorkeled in a freshwater cave with catfish and amazing rock formations. Lastly, we headed to a protected ocean reef where we snorkeled with vast schools of fish and sea turtles. While there, I dove down to the quiet ocean floor and observed stingrays and huge parrot fish. It was an unforgettable experience. (See also: <a href="http://www.wisebread.com/how-i-redeemed-a-12000-family-vacation-with-credit-card-rewards-in-2-months?ref=seealso" target="_blank">How I Redeemed a $12,000 Family Vacation With Credit Cards in 2 Months</a>)</p> <h2>Plan your own amazing rewards adventure</h2> <p>When it comes to credit card rewards, don't forget to think outside of the box. Sure, you can use your points for a regular flight or hotel stay, but there's so much more you can do.</p> <p>With the right card, you could take a hot-air balloon ride to see the Loire Valley's famous castles, dive for pearls off the coast of Hawaii, or spend a few nights in a <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards?ref=internal" target="_blank">hotel you could otherwise never dream of affording</a>. If you're ready to boost your vacation fun with credit card rewards, be sure to <a href="http://www.wisebread.com/choose-the-best-travel-rewards-credit-card-with-this-guide?ref=internal" target="_blank">compare travel credit cards</a> to find an option that will help you see the world your own way. (See also: <a href="http://www.wisebread.com/get-started-with-travel-rewards-in-4-simple-steps?ref=seealso" target="_blank">Get Started with Travel Rewards in 4 Simple Steps</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fonce-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FOnce-In-A-Lifetime%2520Experiences%2520I%2527ve%2520Earned%2520With%2520Credit%2520Card%2520Rewards.jpg&amp;description=Once-In-A-Lifetime%20Experiences%20I've%20Earned%20With%20Credit%20Card%20Rewards"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Once-In-A-Lifetime%20Experiences%20I%27ve%20Earned%20With%20Credit%20Card%20Rewards.jpg" alt="Once-In-A-Lifetime Experiences I've Earned With Credit Card Rewards" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/once-in-a-lifetime-experiences-ive-earned-with-credit-card-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-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/amazing-destinations-you-can-go-to-with-rewards-points-and-miles">Amazing Destinations You Can Go to With Rewards 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/the-best-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</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-families-can-earn-and-use-travel-rewards">How Families Can Earn and Use Travel Rewards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-credit-card-should-you-use-to-get-free-hotel-stays">Which Credit Card Should You Use to Get Free Hotel Stays?</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/12-expert-tips-for-redeeming-miles-for-free-travel">12 Expert Tips for Redeeming Miles for Free Travel</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel abroad caribbean Europe free travel hotels international travel mexico miles points rewards vacation Fri, 21 Apr 2017 08:30:10 +0000 Holly Johnson 1921684 at http://www.wisebread.com Are Timeshares Ever Worth the Investment? http://www.wisebread.com/are-timeshares-ever-worth-the-investment <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/are-timeshares-ever-worth-the-investment" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-487001458.jpg" alt="Couple learning if timeshares are ever worth the investment" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Despite scams and hard sales tactics that have tarnished the reputation of timeshares, the American Resort Development Association says sales are rising &mdash; and timeshares are attracting increasingly younger buyers. The average age of today's timeshare owner is 39.</p> <p>According to MarketWatch, the <a href="http://www.marketwatch.com/story/6-things-to-know-before-you-buy-a-timeshare-2015-02-17" target="_blank">average price of a timeshare</a> is $16,000, putting them within financial reach for many consumers. But is buying a timeshare a good investment?</p> <h2>What are timeshares?</h2> <p>The general idea of a timeshare is that a group of people have the right to use a vacation property and they split up the year among them. Usually each timeshare owner gets one week a year.</p> <p>A true timeshare is deeded. You own a specific unit of the property, and you can use that at a designated time every year. You may own it for the rest of your life, for a given number of years, or until you sell it.</p> <p>Another arrangement is called &quot;right to use,&quot; in which you lease a unit on the property from a developer for a certain amount of time over a set number of years (generally 10 to 50 years). You may get a specific unit for either a fixed or floating amount of time. With the floating option, you can pick a week within a certain season of the year, and you have to reserve it in advance on a first-come, first-served basis. A third option that's popular with major resort chains such as Marriott and Hilton is a points club. You buy an allotment of points and can use them for stays at different properties around the world.</p> <p>The cost of a timeshare depends on the location and the property. In addition to buying the timeshare, you'll be responsible for annual maintenance fees and sometimes property taxes. Maintenance fees will likely increase over time.</p> <h2>Benefits of timeshares</h2> <p>The main feature that makes timeshares attractive to some people is predictability; you get a set place to vacation every year. Once you purchase a timeshare, you are guaranteed to have a week (or weeks) at the location where you bought it.</p> <p>An overcrowded market also means you may be able to get a good deal by <a href="http://www.wisebread.com/save-thousands-by-buying-a-timeshare-on-the-secondary-market?ref=internal" target="_blank">purchasing a used timeshare</a> from a current owner. You can find timeshares for sale on the secondary market on sites like <a href="http://tug2.com/timeshare-marketplace.aspx" target="_blank">Timeshare Users Group</a> or <a href="http://www.redweek.com/" target="_blank">RedWeek</a>.</p> <p>In addition, you may find a timeshare more comfortable than a traditional hotel. For instance, many timeshares include a kitchen or kitchenette, which you won't find in most hotel rooms. They may have multiple bedrooms and separate living areas, making them more like an apartment or villa than a hotel.</p> <p>Points clubs and floating timeshares give you the most options, but even a fixed property may offer some flexibility. You may be able to swap with other owners, or rent it to outsiders. Some properties have online portals that facilitate these types of exchanges. Websites such as RedWeek allow you to sell weeks you don't plan on using.</p> <h2>Drawbacks of timeshares</h2> <p>One big disadvantage of a timeshare is that it may limit your vacation choices. To get the most value from your purchase, you need to use the timeshare every year. But if you're tied to one destination, this could get boring.</p> <p>You can get around that by swapping or renting the unit, but it takes some work and you often have to plan months in advance. If you don't like administrative tasks, this could end up feeling like a burden. (See also: <a href="http://www.wisebread.com/10-surprising-ways-to-save-money-on-hotels?ref=seealso" target="_blank">Surprising Ways to Save Money on Hotels</a>)</p> <p>Furthermore, it's almost a given that you will resell a timeshare unit for less than what you paid, because so many people are selling these types of units. The Federal Trade Commission clearly states on its website that &quot;the value of these options is in their <a href="https://www.consumer.ftc.gov/articles/0073-timeshares-and-vacation-plans" target="_blank">use as vacation destinations</a>, not as investments.&quot;</p> <h2>Buy and sell cautiously</h2> <p>When purchasing a timeshare, it's very important that you know what you are buying. Timeshares are often sold using high-pressure sales tactics. As with any major purchase, take the time you need to do research before you buy, and ask lots of questions about what's included and the costs.</p> <p>Often you'll see promotions promising rewards such as a free trip in exchange for attending a timeshare sales pitch, but be ready for relentlessly pushy sales tactics. In an interview with MarketWatch, former timeshare sales rep Dana Micallef warned that salespeople are trained to &quot;Dress it up (as an investment) and promise them [the] world that they can resell it, when the chances of selling it are slim to none.&quot;</p> <p>I attended one of these presentations in Puerto Vallarta when my aunt, a timeshare owner, let me use a free week she couldn't use. I sat through an exhausting three-hour meeting in exchange for one lousy breakfast.</p> <p>This excruciating meal aside, the rest of my stay in the timeshare was enjoyable. I loved having a kitchen &mdash; we definitely saved money by cooking some of our own meals. I also used the resort's amenities such as the tennis court, multiple pools, and gym, which helped make the experience memorable. (See also: <a href="http://www.wisebread.com/6-easy-ways-to-get-free-travel?ref=seealso" target="_blank">6 Easy Ways to Get Free Travel</a>)</p> <p>Be very cautious if you are buying a unit that is not yet completed. Don't make a payment until construction is finished, because you may get ripped off. The FTC recommends that you place the money in an escrow account at a local bank until the property is ready. It also advises putting a &quot;nonperformance&quot; provision in the sales contract stipulating that you'll get your money back if the developer goes bust or defaults before your unit is finished.</p> <p>If you buy a timeshare and later want to sell it, you'll need to be careful, too. Scammers have been known to target timeshare owners, promising them they've got a buyer but demanding you pay filing fees and closing costs first. The buyer never emerges, and then you can't get your money back.</p> <p>If you still want to buy a timeshare knowing all this, make sure you view it as a vacation purchase and not an investment. Shop around before committing your future vacation stays, especially if it's for one particular location.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <div align="center"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fare-timeshares-ever-worth-the-investment&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FAre%20Timeshares%20Ever%20Worth%20the%20Investment-.jpg&amp;description=Are%20Timeshares%20Ever%20Worth%20the%20Investment%3F" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <div align="center">&nbsp;</div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Are%20Timeshares%20Ever%20Worth%20the%20Investment-.jpg" alt="Are Timeshares Ever Worth the Investment?" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-gokee">Amanda Gokee</a> of <a href="http://www.wisebread.com/are-timeshares-ever-worth-the-investment">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/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card 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/the-best-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-credit-card-should-you-use-to-get-free-hotel-stays">Which Credit Card Should You Use to Get Free Hotel 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/how-families-can-earn-and-use-travel-rewards">How Families Can Earn and Use Travel Rewards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-airline-miles-secrets-only-frequent-flyers-know">5 Airline Miles Secrets Only Frequent Flyers Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel investments points property resale value suites timeshares vacation villas Thu, 23 Mar 2017 09:30:31 +0000 Amanda Gokee 1913750 at http://www.wisebread.com Which Credit Card Should You Use to Get Free Hotel Stays? http://www.wisebread.com/which-credit-card-should-you-use-to-get-free-hotel-stays <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/which-credit-card-should-you-use-to-get-free-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/iStock-495903984.jpg" alt="Woman using her credit card to get free hotel stays" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>If your goal is earning free hotel stays, it's hard to know which type of rewards card to get. While <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards?ref=internal" target="_blank">co-branded hotel credit cards</a> are an obvious pick, general-purpose <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">travel credit cards</a> that let you redeem points for different kinds of travel rewards can work well for free hotel stays, too.</p> <p>Which card is best? It depends on your travel style and vacation goals. Let's dig into both types of cards to see how they work, whom they're best for, and where they fall flat.</p> <h2>Co-Branded Hotel Credit Cards</h2> <p>Each major hotel chain &mdash; Hyatt, Carlson, Marriott, IHG, Hilton, and the like &mdash; offers a unique set of options. Some hotel brands offer several options for credit cards, and even&nbsp;<a href="http://www.wisebread.com/hotel-rewards-for-business-owners-american-express-starwood-preferred-guest-business-credit-card?ref=internal" target="_blank">co-branded business cards</a>, too, giving you even more ways to rack up points.</p> <p>These co-branded cards have several benefits and drawbacks, compared to more flexible travel rewards cards.</p> <h3>Focused Strategy Generally Nets Extra Points and Perks</h3> <p>Hotel credit cards can offer great value if you're an enthusiast for a specific chain. Some offer <a href="http://www.wisebread.com/the-5-best-credit-cards-with-free-hotel-status-upgrades?ref=internal">automatic elite&nbsp;status</a> just for being a cardholder. Co-branded cards generally offer very high bonus points for stays at its properties. They also often feature <a href="http://www.wisebread.com/5-best-credit-cards-with-sign-up-bonuses-for-hotel-stays?ref=internal" target="_blank">generous sign-up bonuses</a> that can cover free stays for a few nights. (See also: <a href="http://www.wisebread.com/tips-for-using-hotel-reward-points-to-get-the-most-value?ref=seealso" target="_blank">Tips for Using Hotel Reward Points to Get the Most Value</a>)</p> <h3>You're Stuck With One Chain</h3> <p>The downside with hotel credit cards is that they aren't as flexible as general travel credit cards. With a co-branded hotel credit card, you can only book free nights at a hotel within that chain. So, if your travel plans change or you want to try a different hotel brand, you might be out of luck.</p> <h3>Award Availability May Be Limited</h3> <p>Another downside with hotel credit cards is that even though most major hotel brands advertise &quot;no blackout dates&quot; for award nights, they still may limit award availability. So, even if you have the points to burn, you may not be able to use them for the exact dates you want.</p> <h3>Hotel Credit Cards Are a Good Fit for You If:</h3> <ul> <li>You like to stay with the same hotel chain. This is a particularly good strategy if you travel for work and are able to book your own room and then get reimbursed by your employer.<br /> &nbsp;</li> <li>You love earning special hotel status and room upgrades.<br /> &nbsp;</li> <li>You tend to have flexible travel dates when you want to redeem rewards.</li> </ul> <p>(See also: <a href="http://www.wisebread.com/breakdown-of-benefits-and-value-of-the-best-hotel-rewards-programs-and-credit-cards?ref=seealso2" target="_blank">Benefits and Value of the Best Hotel Rewards Cards</a>)</p> <h2>General-Purpose Travel Credit Cards</h2> <p>General-purpose travel cards come in a couple of different flavors, but they all offer one trait that co-branded hotel cards simply cannot &mdash; flexibility. With flexible travel cards, you can usually use reward points to book nearly any hotel you want.</p> <h3>Statement Credits Make Rewards Redemption Simple</h3> <p>One type of flexible travel card lets you use points to get a statement credit for a travel purchase you've already made. You earn points with your purchase, and to redeem, simply book any hotel you want with your card, then use your points as a statement credit toward your travel purchases. You can book directly or through a booking site. Most travel purchases are eligible. Each point is usually worth one cent.</p> <h3>Travel Booking Portals Let You Book at Multiple Hotels</h3> <p>Other cards have their own travel portal that allows you to use points (or cash) to book travel, usually at a nice discounted rate.<span style="font-size: 13px;">&nbsp;The benefit here is that you can use your points to book a room with any hotel chain of your choosing, from high-end luxury hotels to cheap roadside motels, and you'll usually get more value per point than just one cent. Often these portals can even allow you to&nbsp;</span><a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-hotels?ref=internal" target="_blank" style="font-size: 13px;">transfer points to hotel partners</a><span style="font-size: 13px;"> at a 1:1 ratio.</span></p> <h3>Flipside of Flexibility: Earning Less Concentrated, Extra Perks Scarce</h3> <p>The main drawback of these more flexible cards is points accrue slower. The rewards you get for your hotel stays will be much lower, but generally you do get more rewards for other purchases than you would for hotel specific cards. You also won't get the free anniversary award nights, or the upgrades and other special treatment that come with many hotel cards.</p> <h3>General-Purpose Travel Cards Are a Good Fit for You If:</h3> <ul> <li>You don't spend a lot at a particular chain and don't want to be tied down to only staying at one.<br /> &nbsp;</li> <li>You don't have flexible travel dates &mdash; you can use your points regardless of award availability or blackout dates.<br /> &nbsp;</li> <li>You spend in categories that other rewards cards offer higher bonuses for.</li> </ul> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <div align="center"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fwhich-credit-card-should-you-use-to-get-free-hotel-stays&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FWhich%20Credit%20Card%20Should%20You%20Use%20to%20Get%20Free%20Hotel%20Stays-.jpg&amp;description=Which%20Credit%20Card%20Should%20You%20Use%20to%20Get%20Free%20Hotel%20Stays%3F" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <div align="center">&nbsp;</div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Which%20Credit%20Card%20Should%20You%20Use%20to%20Get%20Free%20Hotel%20Stays-.jpg" alt="Which Credit Card Should You Use to Get Free Hotel Stays?" width="250" height="374" align="middle" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/which-credit-card-should-you-use-to-get-free-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-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/how-families-can-earn-and-use-travel-rewards">How Families Can Earn and Use Travel 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/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card 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/the-best-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</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/amazing-destinations-you-can-go-to-with-rewards-points-and-miles">Amazing Destinations You Can Go to With Rewards Points and 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/12-expert-tips-for-redeeming-miles-for-free-travel">12 Expert Tips for Redeeming Miles for Free Travel</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel co-branded cards free hotel stays hotels perks points rewards sign up bonuses vacation Wed, 08 Mar 2017 10:30:30 +0000 Holly Johnson 1904519 at http://www.wisebread.com 7 Things You Should Never Do With Your Travel Rewards Credit Cards http://www.wisebread.com/7-things-you-should-never-do-with-your-travel-rewards-credit-cards <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-with-your-travel-rewards-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/iStock-637964304.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting the most out of a travel rewards credit card isn't as easy as it might seem. Sure, the basic premise is simple: Rewards credit cards dole out points when you make a purchase with your card. Then you redeem them for free or discounted travel. But there are plenty of pitfalls to watch out for. (See also: <a href="http://www.wisebread.com/get-started-with-travel-rewards-in-4-simple-steps?ref=seealso" target="_blank">Get Started With Travel Rewards With These Simple Steps</a>)</p> <p>Before you put too much effort into earning travel rewards, it's crucial to know what you're getting into. If you don't, you could end up with expired or useless points, or worse, debt.</p> <p>If you're angling to use credit card rewards to your advantage &mdash; not the card issuer's &mdash; here are some mistakes to avoid along the way.</p> <h2>1. Missing the Minimum Spending Requirement for a Bonus</h2> <p>Most top travel rewards credit cards offer a <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=internal" target="_blank">sign-up bonus</a> for hitting a minimum spending requirement within a specific length of time when you first get the card. For example, you might earn 50,000 points if you spend $4,000 within the first three months of card ownership. (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=seealso" target="_blank">Best Travel Rewards Credit Cards</a>)</p> <p>If you should happen to fall short, however, you'll never see that bonus hit your account. That's true whether you're $20 short or $200 short. Unless you meet the minimum spending requirement in its entirety, you're out of luck.</p> <p>If you get a new card for the bonus, make sure you're prepared to spend enough to hit the minimum with ease. You should also remember that the clock generally starts ticking on the day you're approved for the card &mdash; not the day you received it or activated it. So, if your card takes 10 days to show up in the mail, that's 10 days less you have to meet the spending requirement. If you're unsure of the exact date you were approved, call the number on the back of your card and ask. (See also: <a href="http://www.wisebread.com/5-smart-ways-to-meet-a-rewards-card-minimum-spending-requirement?ref=seealso" target="_blank">5 Smart Ways to Meet a Rewards Card Minimum Spending Requirement</a>)</p> <h2>2. Earning Loyalty Points You Can't Use</h2> <p>Racking up Hyatt Gold Passport points for a trip to Denmark sounds like a genius plan until you realize there are no Hyatt properties in the entire country. And earning Southwest Rapid Rewards points sounds smart &mdash; that is, until you realize Southwest doesn't even fly out of your home airport.</p> <p>This might sound crazy, but it happens all the time. Believe it or not, some people get so excited about earning points or miles that they don't even check whether they can use them. (See also: <a href="http://www.wisebread.com/choose-the-best-travel-rewards-credit-card-with-this-guide?ref=seealso" target="_blank">Choose the Best Travel Rewards Credit Card With This Guide</a>)</p> <p>Before you sign up for a <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?ref=internal" target="_blank">co-branded card</a> that only works with a specific loyalty program, it's crucial to figure out if those points will leave you better off. If you're unsure or want more flexibility, steer clear of co-branded cards and instead choose a <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">flexible travel rewards card</a> that lets you use points for multiple airlines and hotel chains.</p> <h2>3. Carrying a Balance</h2> <p>Paying interest on your credit card charges is never a good idea, but that's especially true if you're using the card to earn rewards. Since rewards credit cards typically charge higher interest rates than non-rewards cards, your misguided pursuit of points and frequent flyer miles can leave you worse off than if you had a <a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards?ref=internal" target="_blank">low-interest credit card</a>.</p> <p>Before you chase credit card rewards, you should be <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal" target="_blank">debt-free</a>. Even better, you should track your spending to make sure you're on track with your goals.</p> <h2>4. Forgetting About Annual Fees</h2> <p>While many <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal" target="_blank">cash back credit cards</a> don't come with annual fees, the same cannot be said about travel rewards cards. Some <a href="http://www.wisebread.com/the-5-best-premium-credit-cards?ref=internal" target="_blank">excellent premium cards</a> come with annual fees as steep as $450, while more basic cards cost anywhere from $59 to $95.</p> <p>Before you sign up for a rewards card, make sure you know about fees and when they come due. You should also make sure you're going to extract enough value from the card to make the experience worth it. (See also: <a href="http://www.wisebread.com/simple-guide-to-evaluating-a-credit-card-with-an-annual-fee?ref=seealso" target="_blank">Simple Guide to Evaluating Whether a Credit Card With an Annual Fee Is Worth It</a>)</p> <h2>5. Letting Your Points Expire</h2> <p>Some points expire if you let them sit idle for too long, while others never expire. Of course, the burden falls squarely on you to keep up with expiration policies and deadlines. If you fail to plan and don't ensure your points stay active, you could see thousands of points disappear overnight.</p> <p>Before you get too wrapped up in any rewards program, make sure you know what it takes to keep your points active. Some airline programs will wipe out your point haul after 12&ndash;24 months of inactivity, but you can keep your account active by using your co-branded credit card for a purchase or transferring points.</p> <p>Either way, make sure you know the rules and stay organized enough to follow them. (See also: <a href="http://www.wisebread.com/4-best-tools-for-tracking-your-rewards-miles?ref=seealso" target="_blank">4 Best Tools for Keeping Track of Your Rewards</a>)</p> <h2>6. Not Using the Right Card for Your Goals</h2> <p>A friend of mine had been using her only rewards card &mdash; a cash back card &mdash; to save up points for an international flight that normally costs around $1,500. At the rate she was going (earning around 30,000 points per year), it would easily take her five years to earn that round-trip ticket &mdash; and that's only if the price didn't surge in the meantime.</p> <p>Once I realized this, I guided her toward the <a href="http://www.wisebread.com/chase-sapphire-preferred-review?ref=internal" target="_blank">Chase Sapphire Preferred&reg; card</a> for its generous sign up bonus. Once she earned the bonus, she would have more than enough points to transfer to the United MileagePlus program to pay for the same international ticket right away. Overnight, her strategy morphed from one that would take up to five years to a plan that would culminate in just a few short months. (Keep in mind the card has an annual fee.)</p> <p>(See also: <a href="http://www.wisebread.com/how-i-redeemed-a-12000-family-vacation-with-credit-card-rewards-in-2-months?ref=seealso2" target="_blank">How I Redeemed a $12,000 Family Vacation With Credit Card Rewards in Two Months</a>)</p> <p>The bottom line: If you have a specific goal in mind, you can save time and heartache by optimizing your rewards from the start. (See also: <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?ref=seealso" target="_blank">5 Steps to Getting a Free (or Close to Free) Vacation Quickly With Credit Cards</a>)</p> <h2>7. Overspending to Earn More Rewards</h2> <p>Because rewards credit cards dole out points based on your spending, it can be tempting to spend more to earn more rewards. This is especially true when certain bonus categories come into play. If you can earn five times the points on a brand-new flat screen television, for example, you might feel inclined to buy one, even if you didn't need it.</p> <p>But if your rewards goal is truly getting ahead, you should think long and hard before buying anything out of the ordinary. After all, spending money you wouldn't spend otherwise won't help you save money in the long run.</p> <p>Remember, the best credit card rewards strategy is a simple one: When you use your cards for bills you were going to pay anyway, you'll truly be rewarded. But if you use credit card rewards to justify a spending spree, you're not really helping yourself. (See also: <a href="http://www.wisebread.com/7-credit-card-reward-tips-many-people-dont-follow?Ref=seealso" target="_blank">7 Credit Card Reward Tips Many People Don't Follow</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/7-things-you-should-never-do-with-your-travel-rewards-credit-cards">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</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/6-reasons-cash-back-is-better-than-travel-rewards">6 Reasons Cash Back Is Better Than Travel 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/9-ways-to-use-travel-rewards-cards-to-get-free-trips">How to Use Travel Rewards Cards to Get Free Trips</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-ways-to-turn-credit-card-rewards-into-real-wealth">5 Ways to Turn Credit Card Rewards Into Real Wealth</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-families-can-earn-and-use-travel-rewards">How Families Can Earn and Use Travel Rewards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards bonuses cash back fees miles Mistakes points rewards spending requirements travel Wed, 01 Mar 2017 10:30:34 +0000 Holly Johnson 1898658 at http://www.wisebread.com Don't Make These 6 Credit Card Sign-Up Bonus Mistakes http://www.wisebread.com/dont-make-these-6-credit-card-sign-up-bonus-mistakes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/dont-make-these-6-credit-card-sign-up-bonus-mistakes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-626262030.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>There are few things as rewarding as a <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=internal" target="_blank">generous sign-up bonus</a>. Credit card issuers offering you hundreds of dollars worth of points, miles, or just plain cash back can seem irresistible. But at the same time, earning these bonuses may not be as easy as it appears. There's plenty of room for error along the way. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=seealso" target="_blank">Best Credit Cards That Offer Cash Bonuses</a>)</p> <p>The next time you are looking to score big on a credit card bonus, be careful to avoid these six mistakes.</p> <h2>1. Failing to Reach the Minimum Spending Amount<strong> </strong></h2> <p>When it comes to sign-up bonuses, credit card issuers advertise the rewards in big bold print, but describe the minimum spending requirements in tiny type. Most credit cards require you to spend a certain amount within 90 days of account opening in order to earn the bonus. Calculate how much you'll need to spend each billing period and whether you are confident that your regular budget and spending can accommodate it. You'll have to plan ahead and make a list of all the places you'll need to change your payment method (recurring subscriptions and other payment accounts). Do it as soon as possible so you don't miss a charge.</p> <h2>2. Missing the Minimum Spending Deadline<strong> </strong></h2> <p>When credit card issuers offer bonuses that must be earned within 90 days, it's easy to misunderstand when the clock starts on the offer. The 90 days is based on when the account was opened, which is when your application was approved. Considering that it can take up to a week from issuing you a card to actually getting it in the mail, you may already be down 10 days by the time you have the card in hand. To be extra careful, you can ask your card issuer to confirm your account opening date as well as the last date that you can make a purchase toward the minimum spending qualification for the sign-up bonus. (See also: <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?ref=seealso" target="_blank">5 Steps to Getting a Free Vacation With Credit Card Bonuses</a>)</p> <h2>3. Overspending to Earn a Bonus<strong> </strong></h2> <p>It's tempting to use the large bonus to justify some extra purchases. You might even see it as a discount, since you're getting rewards for it. But it's never a good idea to go into debt to earn rewards, no matter how big the offer. Paying off your balance every month is the number one rule of using rewards cards. If you find yourself consciously or subconsciously overspending to earn rewards, then you should probably take a break from reward credit cards and focus on sticking to a budget. You'll never come out ahead if you're paying a drop of interest on those purchases.</p> <h2>4. Making Returns That Affect the Spending Amount<strong> </strong></h2> <p>Part of the fine print of any bonus offer is that you must make a certain amount of <em>net</em> purchases in order to earn the rewards. Net purchases means the total amount of purchases you make, minus any returns. This prevents people from buying and returning a big-ticket item in order to get around the minimum spending requirement.</p> <p>That's not to say you shouldn't return an item you're unsatisfied with. But if you do happen to return an expensive purchase such as an appliance or a new television while qualifying for a bonus, then you have to realize that it won't count toward your card's minimum spending requirements.</p> <h2>5. Not Reading the Exclusions for Past Cardholders<strong> </strong></h2> <p>In recent years, credit card issuers have been cracking down on customers who repeatedly apply for the same cards in order to earn multiple sign-up bonuses. As a result, some credit card applications now have language that excludes bonuses for applicants who have received a bonus for that card within the last 24 months. What's more, some issuers will deny bonuses to anyone who has <em>ever </em>had the same card in the past. Look at your records to make sure you haven't had the card before, and if it's been a long time, you can call the issuer to check if you'd still qualify for their new offer.</p> <h2>6. Trying to Pool Offers That Don't Mix<strong> </strong></h2> <p>Let's say you're trying to pool together a large amount of points to get a <a href="http://www.wisebread.com/6-ways-my-family-scores-free-travel-with-credit-cards?ref=internal" target="_blank">free trip for your family</a>. If you have good credit, you might be able to get approved for multiple offers within a short period of time. But this isn't as easy as just adding points from one card to the points of another card. You need to understand how each card allows points to be redeemed. (See also: <a href="http://www.wisebread.com/how-travel-rewards-credit-cards-really-work?ref=seealso" target="_blank">How Travel Rewards Credit Cards Really Work</a>)</p> <p>Some points are only redeemed as a statement credit toward travel purchases. Others allow you to purchase travel with points but only through their exclusive portal. And others allow you to <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles?ref=internal" target="_blank">transfer points to travel partner</a> programs. For example, both Chase and American Express allow you to transfer points to Singapore, Virgin Atlantic, and Air France/KLM. In any case, you have to know what your travel plans are to ensure that you won't waste bonus points because you weren't able to use them all together effectively.</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/dont-make-these-6-credit-card-sign-up-bonus-mistakes">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-5-best-credit-cards-with-annual-fees">Best Credit Cards With Annual Fees</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-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</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-families-can-earn-and-use-travel-rewards">How Families Can Earn and Use Travel Rewards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-use-travel-rewards-cards-to-get-free-trips">How to Use Travel Rewards Cards to Get Free 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/12-expert-tips-for-redeeming-miles-for-free-travel">12 Expert Tips for Redeeming Miles for Free Travel</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards credit miles minimum spend points rewards sign-up bonus Thu, 16 Feb 2017 10:30:33 +0000 Jason Steele 1889841 at http://www.wisebread.com 5 Smart Ways to Meet a Rewards Card Minimum Spending Requirement http://www.wisebread.com/5-smart-ways-to-meet-a-rewards-card-minimum-spending-requirement <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-smart-ways-to-meet-a-rewards-card-minimum-spending-requirement" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_credit_card_635966732.jpg" alt="Woman meeting her credit card&#039;s minimum spending requirement" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're new to <a href="http://www.wisebread.com/9-ways-to-use-travel-rewards-cards-to-get-free-trips?ref=internal" target="_blank">chasing credit card rewards</a>, it can feel like there's a lot to learn at once. One of the fastest ways to earn credit card rewards points is through a <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=internal">sign-up bonus</a>. This is a big slew of points you'll get from a new card if you spend a certain amount on that card within a specified period of time &mdash; often the first three months. The spending requirement could be anywhere from $1,000 to $10,000, depending on the card.</p> <p>See also: <a href="http://www.wisebread.com/how-i-redeemed-a-12000-family-vacation-with-credit-card-rewards-in-2-months?ref=seealso2" target="_blank">How I Redeemed a $12,000 Family Vacation With Credit Card Rewards in 2 Months</a></p> <p>Of course, the whole idea for earning points that <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">translate into travel rewards</a> is to spend less. It's counterproductive to go into debt just to meet a minimum spending requirement. That's why the tips below relate to things you're likely <em>already </em>spending on, not additional expenses that will break your budget. You should never let a balance accrue on a credit card just to get rewards. You will never come out ahead. (See also: <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?ref=seealso" target="_blank">5 Steps to Getting a Free Vacation in 9 Months or Less With Credit Cards</a>)</p> <h2>1. Start With Everyday Expenses</h2> <p>Chances are you can get a significant fraction of the way to meeting your minimum requirement just by putting your regular expenses on your credit card whenever you can.</p> <p>If you're conditioned to paying for things in cash, it's time to break that habit since you're missing out on tons of potential points-earning opportunities. This means putting all your <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?ref=internal" target="_blank">grocery purchases on your card</a>. Same for when you pay for gas, dry cleaning, prescriptions, or any of your other regular expenses. (See also: <a href="http://www.wisebread.com/best-credit-cards-for-everyday-purchases?ref=seealso" target="_blank">Best Credit Cards to Use for Everyday Expenses</a>)</p> <h2>2. Pay Your Bills With Your Card</h2> <p>The same is true for monthly bills like your Internet, Netflix, cellphone, cable, etc. If you have automated payments set up, update them with your new card. For any other bills, see if there's an option to pay with a credit card instead of a checking account. Watch out for any fees charged for credit card payments, though. It's usually not worth it.</p> <p>See also: <a href="http://www.wisebread.com/6-ways-my-family-scores-free-travel-with-credit-cards?ref=seealso2" target="_blank">6 Ways My Family Scores Free Travel With Credit Cards</a></p> <h2>3. Let Little Things Add Up</h2> <p>If you use Uber or Lyft to get around, make sure you update your payment method so that it is linked to your new credit card. The same goes for other apps that you are using to make payments, as small as they may be. If you use Venmo to pay individuals or iTunes for the occasional song download, you'll want to link them to your new card, too, so you'll be earning points toward rewards even when you're not thinking about it.</p> <h2>4. Prepay Current Subscriptions</h2> <p>If you have the extra cash to pay for subscriptions up front, you'll not only help meet the spending requirement, but may score a discount in the process. Many services offer a discount for prepaying.</p> <p>See also: <a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets?ref=seealso2" target="_blank">10 Ways to Get Free or Almost Free Airline Tickets</a></p> <h2>5. Buy Gift Cards</h2> <p>Buying gift cards is a straightforward way to earn points toward reaching your minimum balance. You are spending money now by purchasing the card, which you can then use later. Due to fraud concerns, many brick-and-mortar retailers no longer take credit cards for gift card purchases, but many e-tailers, including Amazon, will.</p> <p>Again, the most important thing to remember is to only spend what you can pay off every month. Make your payments on time, so you don't accrue interest or late payment fees that will obliterate any rewards you get for your purchases. (See also: <a href="http://www.wisebread.com/7-ways-that-anyone-can-travel-for-free?ref=seealso" target="_blank">7 Ways Anyone Can Travel for Free</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/5-smart-ways-to-meet-a-rewards-card-minimum-spending-requirement">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/which-credit-card-should-you-use-to-get-free-hotel-stays">Which Credit Card Should You Use to Get Free Hotel Stays?</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-apps-that-actually-pay-you-to-shop">7 Apps That Actually Pay You to Shop</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/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card Rewards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-frequent-flyer-miles-that-are-about-to-expire">How to Save Frequent Flyer Miles That Are About to Expire</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-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards bills free travel gift cards groceries hacks minimum spending requirement points rewards sign up bonuses subscriptions Fri, 13 Jan 2017 10:00:13 +0000 Nick Wharton 1870054 at http://www.wisebread.com Get the Most From Your Airline Miles in These 5 Overlooked Cities http://www.wisebread.com/get-the-most-from-your-airline-miles-in-these-5-overlooked-cities <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/get-the-most-from-your-airline-miles-in-these-5-overlooked-cities" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_selfie_beach_74998243.jpg" alt="Woman getting the most from her airline miles" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Arguably the best part of joining a frequent flyer program is when you've earned enough to redeem for a free plane ticket. There are ways to get more value out of your miles, though, than just getting a ticket for the first place that comes to mind.</p> <p>For starters, international destinations are a better value. The value of each point rises with the cost of the ticket. For example, an international flight might cost twice as much as a domestic ticket, but the points required to redeem a free flight are only 1.5 times the points for a domestic ticket. For one flight, you might only get a $0.50 per point, but for another, you might get a few dollars per point!</p> <p>Also, award miles value are sometimes counted by region. So if you book a domestic flight, you can still get a good value out of your miles by comparing different destinations in the same region. And don't forget seat availability. It's not a good idea to get your heart set on a location only to discover that there are never any award seats available.</p> <p>If you're counting down the days until you're able to redeem your free flight, here are some often overlooked international destinations that can give you great value for your miles while discovering a new and unique part of the world.</p> <h2>1. Valparaiso, Chile</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/scenic_chile_87675863.jpg" width="605" height="340" alt="" /></p> <p>Valparaiso, referred by those who know and love it as &quot;Valpo,&quot; was once the most important port in South America and is full of recently-renovated 19th century architecture. Many boutique hotels have sprouted alongside new and innovative restaurants. There have been promotions in the past for as little as 30,000 miles.</p> <p>You can fly into Santiago, which is an international hub, and take a 90-minute bus ride to get to Valparaiso from there. Santiago is easily accessible from many hubs in the U.S. such as Los Angeles, Houston, and New York, with plenty of seat availability for those looking to redeem awards.</p> <h2>2. Helsinki, Finland</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/helsinki_finland_scenic_67161215.jpg" width="605" height="340" alt="" /></p> <p>Finnair releases a fair amount of reward seats, especially in the winter, so you're sure to get an authentic colder-weather experience. You can expect to use 20,000 miles in economy or 50,000 in business class with the American Airlines loyalty program. Flights are nonstop from JFK.</p> <p>Of course, if you do travel in the winter months, you'll easily be able to reward yourself for braving the colder temperatures with a soak in the traditional <a href="http://www.visithelsinki.fi/en/see-and-experience/activities-in-helsinki/swimming-and-saunas#/?listing_id=52343&amp;mode=list">Finnish sauna</a>.</p> <h2>3. Copenhagen, Denmark</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Copenhagen_denmark_35003198.jpg" width="605" height="340" alt="" /></p> <p>This beautiful city in Denmark is easily accessible with Scandinavian Airlines, offering nonstop flights from the east coast (Newark and Washington) to the middle of the country (Chicago) and on the west coast as well (San Francisco). Scandinavian Airlines offers plenty of economy seats for reward mile redemption. If you're looking to fly business class, you can easily find a seat with United.</p> <p>Copenhagen is the capital of Denmark as well as the country's biggest city, with picturesque architecture and many unique, historic sites to visit. It is known for among other things its vibrant design scene and wide offering of innovative dining experiences.</p> <h2>4. Malé, the Maldives</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/maldives_island_scenic_17979750.jpg" width="605" height="340" alt="" /></p> <p>Interested in booking an island getaway? The Maldives are easier to get to than you may think, and you can use your miles to do so. To score the best value use miles from any Oneworld airline. This alliance of 15 airlines includes American Airlines, Japan Airlines, British Airways, and other well regarded carriers. Note that you can also use <a href="http://www.wisebread.com/which-american-airlines-us-airways-credit-card-should-you-get?ref=internal">American Airlines AAdvantage</a> Miles.</p> <p>Just 70,000 miles will get you there and back in economy.</p> <p>In the middle of the Indian Ocean, the Maldives are a series of over 1,000 islands. There is excellent diving and snorkeling, not to mention fantastic, nearly untouched beaches. For a more urban experience, you can check out Malé, the bustling capital.</p> <h2>5. Mexico City, Mexico</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/mexico_city_95991235.jpg" width="605" height="340" alt="" /></p> <p>Getting to Mexico City is an easy flight from anywhere in the U.S. or Canada. You can get a nonstop flight from Montreal, Toronto, multiple airports in New York, Las Vegas, or Los Angeles.</p> <p>Southwest Airlines is now serving Mexico and the Caribbean, with a great offer of unlimited reward seats, according to their website.</p> <p>Mexico City is one of Latin America's largest and most vibrant hubs, with a population of over 22 million people and amazing street food (tacos, tlacoyos, tlayudas, and burritos, just to name a few).</p> <p>Beyond the delicious culinary offerings, Mexico City is a center for art and the museums here are world-renowned. Architecturally, the city is diverse and portrays an interesting and unique history, from the Palacio National that houses some of Diego Rivera's most beautiful murals, to Bellas Artes that permanently feature Jose Orozco artwork plus other displays that change over time.</p> <h2>Bonus Tip: Get an Around the World Ticket to See More</h2> <p>Did I say five cities? Well you can actually enjoy your miles in scores more cities around the world instead!</p> <p>Using awards to buy an Around the World ticket is actually becoming quite rare, but there are still some options if you want to book multiple destinations. An Around the World ticket can allow you up to 16 different stops, and it can definitely save you money when compared to booking all of the legs of your trip individually.</p> <p>If you are redeeming with Star Alliance, you can purchase an RTW ticket for 200,000 points.</p> <p>The <a href="http://www.wisebread.com/choose-the-best-travel-rewards-credit-card-with-this-guide?ref=internal">best travel rewards credit cards</a> will offer flexibility and award seats to the destination that you want. A card like the <a href="http://www.wisebread.com/chase-sapphire-preferred-review?ref=internal">Chase Sapphire Preferred</a> will allow you use their travel portal to book with your points as well as transfer points to airline partners to book directly. An <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?ref=internal">airline credit card</a> would limit you to that particular airline and its partners, but if you have a strong preference for a certain airline and its destination selection meets your needs, then you may be able to build up points faster by being a frequent flyer. (See also: <a href="http://www.wisebread.com/comparing-miles-which-airline-loyalty-program-is-better?ref=seealso">Which Airline Loyalty Program Offers the Highest Value?</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fget-the-most-from-your-airline-miles-in-these-5-overlooked-cities&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FGet%20the%20Most%20From%20Your%20Airline%20Miles%20in%20These%205%20Overlooked%20Cities.jpg&amp;description=Get%20the%20Most%20From%20Your%20Airline%20Miles%20in%20These%205%20Overlooked%20Cities" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Get%20the%20Most%20From%20Your%20Airline%20Miles%20in%20These%205%20Overlooked%20Cities.jpg" alt="Get the Most From Your Airline Miles in These 5 Overlooked Cities" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/get-the-most-from-your-airline-miles-in-these-5-overlooked-cities">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-14"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</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-airline-miles-secrets-only-frequent-flyers-know">5 Airline Miles Secrets Only Frequent Flyers Know</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/fly-out-of-these-airports-and-save-big-on-airfare">Fly Out of These Airports and Save Big on Airfare</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-airline-partnerships-can-supercharge-your-travel-rewards">The Secret to Redeeming Travel Rewards with Airline Partners</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-families-can-earn-and-use-travel-rewards">How Families Can Earn and Use Travel Rewards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel airlines destinations flights frequent flyer international points rewards miles seats value world travel Thu, 27 Oct 2016 10:30:13 +0000 Nick Wharton 1820847 at http://www.wisebread.com 5 Airline Miles Secrets Only Frequent Flyers Know http://www.wisebread.com/5-airline-miles-secrets-only-frequent-flyers-know <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-airline-miles-secrets-only-frequent-flyers-know" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/toy_plane_map_65033677.jpg" alt="Learning miles secrets only frequent flyers know" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most frequent flyers are experts at collecting and redeeming miles for free travel. They know all the tricks for squeezing a bit more value from each point, where to find more award seats, and secrets to getting miles faster. These are the little known secrets for getting more miles and value so you can be on your way to your next <a href="http://www.wisebread.com/how-i-redeemed-a-12000-family-vacation-with-credit-card-rewards-in-2-months?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=tavel">free vacation</a>. (See also: <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=travel">How to Get a Free Vacation through Credit Card Rewards in Less Than 9 Months</a>)</p> <h2>1. You Can Earn More Miles on the Ground Than in the Air</h2> <p>Even for frequent travelers, most airline miles are earned on the ground, not in the air. That's because <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=travel">airline credit cards</a> award miles based on how much you <em>spend</em>, not how <em>far you fly</em>. That includes nonflying purchases. Use your card to pay for all your expenses and watch your miles add up.</p> <h2>2. You Don't Need an Airline Credit Card</h2> <p>Some of the <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=travel">best travel rewards credit cards</a> aren't airline branded cards, but their <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=travel">points can be transferred to the airline miles</a> of your choice. This gives you more flexibility in choosing the card that offers the most points for the category you spend the most in. Choose a card that offers <a href="http://www.wisebread.com/the-5-best-credit-cards-for-dining-out?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=travel">bonus points for dining</a> if you frequent restaurants often. Get a card that offers <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=travel">high grocery rewards</a>. This will help you earn more points faster.</p> <h2>3. Not All Redemption Opportunities Offer the Same Value</h2> <p>Frequent travelers know how to look for <em>value</em> when redeeming their miles. Planning ahead of time to grab the best award price and comparing different routes will get you a much higher value for your hard earned points.</p> <h2>4. Look for Award Flights on Partner Airlines</h2> <p>If you're searching for award seats on a particular airline, look up the partners that also accept that airline's miles, and search for flights through them. Sometimes award seats show up on a partner site search rather than the specific airline site you're looking to fly on. Sometimes fees are much lower for the same flight through a partner airline. (See also: <a href="http://www.wisebread.com/how-airline-partnerships-can-supercharge-your-travel-rewards?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=travel">The Secret to Getting the Cheapest Award Flights</a>)</p> <h2>5. Look for Business and First Class International Flights</h2> <p>You might think that business or first class seats are out of your reach, but when it comes to miles, a seat in business class on an international flight that would normally cost two to three times the cost of a coach seat, might only be 50% more miles. Instead of using your miles for a few domestic flights, saving them for upgraded seats on an international flight would give you much more value for your points.</p> <p><em>Do you play the airline miles game? How do you wring out the most value?</em></p> <h2 style="text-align: center;">Like this post? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-airline-miles-secrets-only-frequent-flyers-know&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%20Airline%20Miles%20Secrets%20Only%20Frequent%20Flyers%20Know.jpg&amp;description=5%20Airline%20Miles%20Secrets%20Only%20Frequent%20Flyers%20Know" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Airline%20Miles%20Secrets%20Only%20Frequent%20Flyers%20Know.jpg" width="250" height="374" alt="" /></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-airline-miles-secrets-only-frequent-flyers-know">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/the-best-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</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-families-can-earn-and-use-travel-rewards">How Families Can Earn and Use Travel 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/get-the-most-from-your-airline-miles-in-these-5-overlooked-cities">Get the Most From Your Airline Miles in These 5 Overlooked Cities</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/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card Rewards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-credit-card-should-you-use-to-get-free-hotel-stays">Which Credit Card Should You Use to Get Free Hotel Stays?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel airline miles flights frequent flyers international points rewards vacation value Thu, 04 Aug 2016 10:00:08 +0000 Jason Steele 1764990 at http://www.wisebread.com