credit cards http://www.wisebread.com/taxonomy/term/356/all en-US 5 Ways Your Credit Card Can Help You Manage Your Finances http://www.wisebread.com/5-ways-your-credit-card-can-help-you-manage-your-finances <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-your-credit-card-can-help-you-manage-your-finances" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_online_shopping.jpg" alt="Woman online shopping" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When most people think of credit cards and personal finances, they imagine the former ruining the latter. It's incredibly easy to make purchases with your credit card, which can be both its greatest strength and its most profound weakness.</p> <p>But rather than seeing credit cards as an enemy of your budgeting efforts, consider all the ways your cards can actually help you to manage your financial life. Try thinking of your credit cards as incredibly powerful financial tools that can be harnessed to achieve your goals.</p> <p>Here are five ways that your credit card can help you manage your finances.</p> <h2>1. Keeping records</h2> <p>One of the great things about both credit cards and debit cards is that they can offer you a record of every transaction you make. Your statements include the merchant name, the date of the transaction, and the amount. So if you ever wonder where your money is going, this is one way to find out in great detail. (See also: <a href="http://www.wisebread.com/top-seven-reasons-why-i-use-my-credit-card-for-everything?ref=seealso" target="_blank">Top 7 Reasons I Use My Credit Cards for Everything</a>)</p> <h2>2. Paying taxes</h2> <p>The record of all your payments can be vital when it comes time to complete your taxes. Your credit card statements can help you to identify and claim charitable contributions and other deductions, as well as business expenses.</p> <h2>3. Tracking category spending</h2> <p>Many credit cards have reporting features built in, so you can see statistics on where your money is being spent. For example, you can find out if you spent more at restaurants this month versus last, or how much you've been spending at gas stations. If you're a small-business owner, your credit card may contain even more robust expense reporting tools. Using these tools, you can see if you need to adjust your budget or tighten up spending in certain areas. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses?ref=seealso" target="_blank">Best Credit Cards for Your Small Business</a>)</p> <h2>4. Smoothing out your cash flow</h2> <p>Our income and our expenses are never as predictable as we would like them to be. Freelancers and small business owners occasionally deal with delayed payments from, and all of us will eventually have an unexpected home repair, car repair, or health care bill. Thankfully, your credit card can be used as a shock absorber of sorts for your personal finances. When a large bill arrives, or your income is delayed, you can rely on your credit card's grace period to hold you over until you can make ends meet.</p> <p>A <a href="http://www.wisebread.com/everything-you-didn-t-understand-about-credit-card-interest-grace-periods-and-penalty-aprs?ref=internal" target="_blank">credit card's grace period</a> is the time between when your statement period closes and your payment is due. When you pay your statement balance in full before the grace period ends, nearly all credit cards waive your interest charges. By law, a credit card's grace period must be at least 21 days, but many have grace periods of 25 days. This means that you could have as many as 30 days before your statement period ends, plus as many as 25 days to pay your balance in full. That adds up to an interest-free float of up to 55 days on your credit cards, giving you a lot of time to get your finances in order while avoiding interest charges.</p> <h2>5. Earning rewards</h2> <p>When you avoid interest charges by paying your monthly statement balances in full, then you can earn rewards from your credit cards at no cost. For example, some credit cards offer <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal" target="_blank">cash back</a> or <a href="http://www.wisebread.com/best-credit-cards-with-easy-travel-redemption?ref=internal" target="_blank">travel statement credits</a> worth a percentage of all your purchase transactions &mdash; sometimes as high as 2 percent on every purchase. Two percent might not sound like a lot, but it can help you to make ends meet.</p> <p>Instead of earning cash back, some people use <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">travel rewards credit cards</a> to earn frequent flyer miles or hotel points. When you are able to use these travel rewards instead of paying out of pocket for a flight or a hotel stay, it's another way that your credit card can help you save money and manage your budget. (See also: <a href="http://www.wisebread.com/best-business-travel-credit-cards?ref=seealso" target="_blank">Best Travel Credit Cards for Small Businesses</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%2F5-ways-your-credit-card-can-help-you-manage-your-finances&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Ways%2520Your%2520Credit%2520Card%2520Can%2520Help%2520You%2520Manage%2520Your%2520Finances.jpg&amp;description=5%20Ways%20Your%20Credit%20Card%20Can%20Help%20You%20Manage%20Your%20Finances"></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/u5180/5%20Ways%20Your%20Credit%20Card%20Can%20Help%20You%20Manage%20Your%20Finances.jpg" alt="5 Ways Your Credit Card Can Help You Manage Your Finances" 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/5-ways-your-credit-card-can-help-you-manage-your-finances">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/suze-orman-tells-us-to-pay-only-the-minimum-on-credit-cards-wait-what">Suze Orman Tells Us To Pay ONLY The Minimum On Credit Cards. Wait, What?!</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/never-use-cash-for-these-11-things">Never Use Cash for These 11 Things</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-seven-reasons-why-i-use-my-credit-card-for-everything">Top 7 Reasons Why I Use My Credit Card for Everything</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/10-easy-ways-to-improve-your-life-before-the-end-of-the-year">10 Easy Ways to Improve Your Life Before the End of the Year</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/7-effortless-ways-to-prevent-budget-busting-impulse-buys">7 Effortless Ways to Prevent Budget-Busting Impulse Buys</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Credit Cards budget tips credit card tips credit cards finances making a budget manage your money Thu, 19 Oct 2017 08:30:10 +0000 Jason Steele 2038828 at http://www.wisebread.com 6 Pitfalls When Chasing Travel Rewards http://www.wisebread.com/6-pitfalls-when-chasing-travel-rewards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-pitfalls-when-chasing-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/travel_planning_concept_on_table.jpg" alt="Travel planning concept on table" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>By signing up for <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">travel credit cards</a>, earning travel points through bonus offers and regular spending, and using your points in the smartest way possible, you can travel to far-flung corners of the world while minimizing out-of-pocket expenses. (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 with Credit Cards</a>)</p> <p>While this probably sounds intriguing and fun, and it is, there are so many nuances to this strategy that it&rsquo;s easy to get it all wrong. To be a pro, you need to know which types of travel currency to pursue, how to maximize your miles, and how to avoid the many pitfalls that come with using credit cards in general. (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>1. Missing out on a sign-up bonus</h2> <p><a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=internal" target="_blank">Credit card sign-up bonuses</a> offer one of the easiest ways to earn points or miles in a hurry. Often, you can earn up to 50,000 hotel points or airline miles after meeting a minimum spending requirement in the $1,000&ndash;$5,000 range within three months. Sounds easy, right?</p> <p>Unfortunately, far too many people jumble the details along the way. Either they fail to meet the <a href="http://www.wisebread.com/5-smart-ways-to-meet-a-rewards-card-minimum-spending-requirement?ref=internal" target="_blank">minimum spending requirement</a> because they mix up the dates, or they misread the fine print and don&rsquo;t spend enough.</p> <p>Either way, you&rsquo;ll want to avoid this mistake if you want to maximize the points and miles you earn. It helps to read the offer details and understand it inside and out before you take the plunge.</p> <h2>2. Failing to optimize</h2> <p>Failing to optimize is another common mistake many new travel hackers make. When you don&rsquo;t understand the details of individual rewards programs, it&rsquo;s easy to assume they&rsquo;re all the same. The thing is, not all travel programs are created equal &mdash; not even close. (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>Here&rsquo;s a good example of failing to optimize: Let&rsquo;s say someone has 50,000 Chase Ultimate Rewards points and needs to book a flight from Chicago to Los Angeles. Because they don&rsquo;t know any better, they might go ahead and book their flight through the Chase Ultimate Rewards portal for the current price, which happens to be 32,000 Chase points on that specific day.</p> <p>If they had dug a little deeper, however, they might find that you can often fly Southwest Airlines from Chicago Midway Airport into LAX for less than 13,000 points round trip. By transferring their points to Southwest instead of booking through the portal, they could have saved 19,000 points!</p> <p>The bottom line: Make sure you consider all your options before you use your points for travel. With some creative thinking and planning, you could find a much better deal. (See also: <a href="http://www.wisebread.com/7-frequent-flyer-rules-to-go-farther-on-fewer-miles?ref=seealso" target="_blank">7 Frequent Flyer Rules to Go Farther on Fewer Miles</a>)</p> <h2>3. Racking up credit card debt</h2> <p>Often, people who aren&rsquo;t financially sophisticated dive into the credit card rewards hobby without setting limits or expectations. Unfortunately, not having a plan for credit or never tracking your spending can easily lead down the winding road of credit card debt.</p> <p>To avoid debt and all the stress that comes with it, only use credit cards when you have a spending plan in place &mdash; and the discipline to pay your balance in full each month. If you wind up in debt, the rewards you earn will be wiped out by the credit card interest you&rsquo;ll pay each month.</p> <h2>4. Letting your points expire</h2> <p>It&rsquo;s crucial to make sure your hard-earned points don&rsquo;t expire before you&rsquo;ve had a chance to use them. While some programs like Delta SkyMiles and Chase Ultimate Rewards offer points that never expire, other travel currencies can expire if you don&rsquo;t &ldquo;earn or burn&rdquo; any points for 12&ndash;24 months.</p> <p>The best way to avoid expiring currencies is to know when your points will expire and enact a plan to &ldquo;restart the clock.&rdquo; Most of the time, it&rsquo;s fairly easy to save points by shopping through a loyalty shopping portal or spending even a handful of points. (See also: <a href="http://www.wisebread.com/how-to-save-frequent-flyer-miles-that-are-about-to-expire?ref=seealso" target="_blank">How to Save Frequent Flyer Miles That Are About to Expire</a>)</p> <h2>5. Earning points without a plan</h2> <p>I can&rsquo;t tell you how many times I&rsquo;ve seen people earn points and miles without any type of plan at all. Sometimes they are pursuing a currency that won&rsquo;t even work with their travel plans. For example, I know one person who built up a giant stash of Southwest Rapid Rewards points for a trip to Europe, without ever realizing that Southwest doesn&rsquo;t fly to Europe. (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>The best way to get ahead in the game is to get strategic about the points and miles you&rsquo;re earning and why. Figure out where you want to go, then decide which travel currency will get you there. Better yet, pursue flexible travel currency like Chase Ultimate Rewards or American Express Membership Rewards. That way, you can earn all the points you want and decide how to use them later on. (See also: <a href="http://www.wisebread.com/4-best-tools-for-tracking-your-rewards-miles?ref=seealso" target="_blank">Tools for Tracking Your Rewards Points</a>)</p> <h2>6. Waiting too long to book</h2> <p>While it&rsquo;s possible to book award travel right up to the last minute, anyone who has been in this hobby for a while will tell you it&rsquo;s better to book ahead.</p> <p>If you can book a flight six to nine months in advance, for example, you&rsquo;ll normally find more award availability than you will closer to departure. The same is true for hotels; since hotels have limited award availability, waiting too long to book can mean missing out. (See also: <a href="http://www.wisebread.com/12-expert-tips-for-redeeming-miles-for-free-travel?ref=seealso" target="_blank">12 Expert Tips for Redeeming Miles for Free Travel</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-pitfalls-when-chasing-travel-rewards&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Pitfalls%2520When%2520Chasing%2520Travel%2520Rewards.jpg&amp;description=6%20Pitfalls%20When%20Chasing%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%20Pitfalls%20When%20Chasing%20Travel%20Rewards.jpg" alt="6 Pitfalls When Chasing 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/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/6-pitfalls-when-chasing-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-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">The Best Travel Reward Credit Cards</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards">The Best Credit Cards for Hotel Deals and Rewards</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-might-be-the-best-travel-rewards-program-no-matter-what-airline-you-fly">This Might Be the Best Travel Rewards Program (No Matter What Airline You Fly)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards">The Best Sign-up Bonuses for Airline Miles Credit Cards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you">Cash Back vs Travel Rewards: Pick the Right Credit Card for You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel credit card rewards credit cards saving money spending habits Spending Money travel rewards travel tips Tue, 17 Oct 2017 08:30:10 +0000 Holly Johnson 2037241 at http://www.wisebread.com Best Credit Cards with Easy Travel Redemption http://www.wisebread.com/best-credit-cards-with-easy-travel-redemption <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-credit-cards-with-easy-travel-redemption" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-506448440.jpg" alt="tourist" title="tourist" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Collecting points and miles and redeeming them for flights and stays are not for the faint of heart. Not only do you need to know how to read award charts and understand the additional rules and charges for using points, but you also have to deal with blackout dates and availability limits.</p> <p>Card issuers have tried to address this problem by offering travel rewards credit cards that feature points that you can redeem for statement credits toward travel purchases. With these cards, you book travel the way you normally would, with no blackout dates or capacity controls. Then, you redeem your rewards to pay for your travel. And unlike other types of travel rewards, using statement credits still allows you earn travel points when you book.</p> <p>Check out these best travel rewards cards that make it easy to actually cash in your points for travel.</p> <h2>Barclaycard Arrival Plus&reg; World Elite Mastercard&reg;</h2> <p><img style="float:right;margin:0 5px 5px 10px;" class="img-exempt" src="http://imgsynergy.com/product_creatives/d4d7d7d0ec7c7e2aa3595c06a6a2c1da.png" width="154" border="0" height="97" alt="" /><a style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;" target=" rel=" href="http://ct.wisebread.com/click.php?pg=288&amp;pid=19&amp;pp=1&amp;uv=xcardbutton"><img alt="" class="img-exempt img-button" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a>Cardholders of the <a href="http://ct.wisebread.com/click.php?pg=288&amp;pid=19&amp;pp=1&amp;uv=xname">Barclaycard Arrival Plus&reg; World Elite Mastercard&reg;</a> earn a straightforward 2x miles per dollar spent on all purchases. You can redeem your rewards starting at 10,000 miles for a $100 statement credit, and when you redeem, you always receive 5 percent of your miles back toward your next redemption. There is an $89 annual fee for this card that's waived for the first year, and you&rsquo;ll pay no foreign transaction fees when using the card overseas.</p> <p><strong>Bonus offer: </strong>Earn 40,000 miles when you use the card to spend $3,000 on purchases in the first 90 days of account opening.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=288&amp;pid=19&amp;pp=1&amp;uv=xend">Click here to learn more and apply for the&nbsp;Barclaycard Arrival Plus&reg; World Elite Mastercard&reg; today!</a></strong></p> <h2>Capital One&reg; Venture&reg; Rewards Credit Card</h2> <p><img style="float:right;margin:0 5px 5px 10px;" class="img-exempt" src="http://imgsynergy.com/product_creatives/9cac7606371ffe30a1bd49c860235e9c.png" alt="" width="154" border="0" height="97" /><a style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;" target="_blank" title="Capital One&reg; Venture&reg; Rewards Credit Card" alt="Capital One&reg; Venture&reg; Rewards Credit Card" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=288&amp;pid=26&amp;pp=2&amp;uv=xcardbutton"><img alt="" class="img-exempt img-button" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a>Earn 2x miles for every dollar you spend on purchases with the <a href="http://ct.wisebread.com/click.php?pg=288&amp;pid=26&amp;pp=2&amp;uv=xname">Capital One&reg; Venture&reg; Rewards Credit Card</a>. There's a $95 annual fee for this card that's is waived for the first year, and it charges no foreign transaction fees.</p> <p><strong>Bonus offer:</strong> Earn 50,000 bonus miles after spending $3,000 on purchases within three months of account opening (worth $500 in travel statement credits).</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=288&amp;pid=26&amp;pp=2&amp;uv=xend">Click here to learn more and apply for the&nbsp;Capital One&reg; Venture&reg; Rewards Credit Card today!</a></strong></p> <h2>Bank of America&reg; Travel Rewards Credit Card</h2> <p><img style="float:right;margin:0 5px 5px 10px;" class="img-exempt" alt="" src="http://www.yceml.net/0832/12994368-1501687527833" width="154" border="0" height="97" /><a style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;" target="_blank" title="BankAmericard Travel Rewards&reg; Credit Card" alt="BankAmericard Travel Rewards&reg; Credit Card" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=288&amp;pid=108&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>With the <a href="http://ct.wisebread.com/click.php?pg=226&amp;pid=108&amp;pp=3&amp;uv=xname">Bank of America&reg; Travel Rewards Credit Card</a>, cardholders earn 1.5 points for each dollar they spend on all purchases, and 10 percent more points when you have an active Bank of America&reg; checking or savings account. You can redeem your rewards starting at 2,500 points, which is a lower threshold than some other cards. There's no annual fee for this card, and no foreign transaction fees.</p> <p><strong>Bonus offer:</strong> Earn 20,000 points, worth $200 in travel statement credits, when you spend at least $1,000 on purchases within 90 days of account opening.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=288&amp;pid=108&amp;pp=3&amp;uv=xend">Click here to learn more and apply for the&nbsp;Bank of America&reg; Travel Rewards Credit Card today!</a></strong></p> <h2>Discover it&reg; Miles</h2> <p>Cardholders earn 1.5x miles per dollar spent, and miles can be redeemed at any time, and in any amount. There is no annual fee for this card, and no foreign transaction fees. The Discover card will also waive your first late payment fee, and it has no penalty interest rate.</p> <p><strong>Bonus offer: </strong>Discover will match any rewards earned within the first year for new cardholders.</p> <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/Best%20Credit%20Cards%20with%20Easy%20Travel%20Redemption_0.jpg" alt="Best Credit Cards with Easy Travel Redemption" 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/best-credit-cards-with-easy-travel-redemption">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/15-airport-hacks-from-professional-travelers">15 Airport Hacks From Professional Travelers</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/10-flight-booking-hacks-to-save-you-hundreds">10 Flight Booking Hacks to Save You Hundreds</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/6-pitfalls-when-chasing-travel-rewards">6 Pitfalls When Chasing 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/5-affordable-countries-every-outdoor-explorer-can-afford-to-visit">5 Affordable Countries Every Outdoor Explorer Can Afford to Visit</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> Travel credit cards statement credits Sun, 02 Jul 2017 20:31:43 +0000 Jason Steele 1971790 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-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-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/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> 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 8 Amazing Hawaiian Resorts You Can Book With Rewards Points http://www.wisebread.com/8-amazing-hawaiian-resorts-you-can-book-with-rewards-points <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-amazing-hawaiian-resorts-you-can-book-with-rewards-points" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/wailea_beach_on_the_southwest_shore_of_maui_hawaii.jpg" alt="Wailea Beach on the Southwest Shore of Maui Hawaii" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Hawaii is notoriously expensive as a vacation destination, both in terms of getting there and accommodations. Due to the high cost of living on the island, you'll also pay more for food, drinks, and entertainment than you would on the mainland.</p> <p>The good news is, airline and hotel rewards programs can take the sting out of a Hawaiian getaway &mdash; or at least, part of the expense. <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?ref=internal" target="_blank">Airline credit cards</a> can boost your frequent flyer stash, making it fairly easy to fly to Hawaii for free, especially if you live on the West Coast.</p> <p>With British Airways, for example, you can redeem 25,000 Avios for a round-trip flight to Hawaii (on partners Alaska Airlines or American Airlines) from specific West Coast cities like Los Angeles. So, for a family of four, you would only need 100,000 Avios. That's a lot of miles, but it's not beyond reach.</p> <p>You can get even more value if you strategically plan your credit card spending to earn free hotel nights for your tropical getaway. With an array of <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards?ref=internal" target="_blank">hotel credit cards</a>, you can book free nights at properties on nearly every Hawaiian island, and at nearly any price point.</p> <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">Breakdown of Benefits and Value of the Best Hotel Rewards Programs</a></p> <p>Aching for a Hawaiian getaway, but trying to avoid full fare? Check out these Hawaiian hotels you can book with points.</p> <h2>1. Andaz Maui at Wailea Resort</h2> <p>For just 25,000 Hyatt points per night, you can book a garden room with a king or queen bed, score a complimentary minibar with snacks, and enjoy a private lanai with stunning views at the Andaz Maui at Wailea Resort.</p> <p>The Andaz Maui is popular for its beachfront location on Maui's Pacific coast, multitiered infinity pools, and top-notch customer care. Guests have access to a private adults-only pool, an on-site spa and salon, and beach activities like kayaking and stand-up paddleboarding.</p> <h2>2. Grand Hyatt Kauai Resort and Spa</h2> <p>The Grand Hyatt Kauai Resort and Spa owns a startling spot on the white sand beaches of Poipu with 50 acres of beachfront gardens, manicured lawns, and open courtyards for guests to enjoy. A nightly stay here costs just 25,000 Hyatt points, for which you'll get a standard king or queen guest room with a private lanai and classic Hawaiian décor.</p> <p>The resort itself, which is fairly large considering it has more than 600 rooms, offers complimentary Wi-Fi, a 24-hour fitness center, Camp Hyatt for children, and access to a beautiful beach and pools.</p> <p>See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-sign-up-bonuses-for-hotel-stays?ref=seealso2" target="_blank">Best Credit Cards with Sign Up Bonuses for Free Hotel Stays</a></p> <h2>3. Hilton Waikiki Beach</h2> <p>Consider a stay at the Hilton Waikiki Beach. A standard room with two queen beds and a city view can cost as little as 50,000 Hilton Honors points outside of peak times. These spacious rooms come with a flat screen TV and complimentary HBO, private balconies, and luxurious marble bathrooms.</p> <p>The hotel itself features an amazing location in the thick of Waikiki Beach, along with a spectacular beachfront and plenty of on-site activities and restaurants for families and couples. It's just over a mile from Diamond Head, and some rooms feature views of the famous mountain. It's also walking distance to the International Marketplace, Honolulu Zoo, Kapiolani Park, and the Waikiki Aquarium.</p> <h2>4. Grand Wailea, a Waldorf Astoria Resort</h2> <p>If you're familiar with the Waldorf Astoria Brand, you already know just how luxurious and opulent the Grand Wailea must be. This gorgeous beachfront property features seven on-site restaurants, inspiring art, an unbelievable beachfront directly out its doors, and nine amazing pools perfect for families. Active adults and kids can sign up for stand-up paddleboarding, kayaking tours, scuba lessons, and much more.</p> <p>If you want to stay here, you'll need a lot of Hilton Honors points. A standard garden view room with two queen beds can cost 138,000 Hilton Honors points per night or more. A Hilton credit card, however, could get you free stays at this property. (See also: <a href="http://www.wisebread.com/which-hilton-hhonors-credit-card-should-you-get?ref=seealso" target="_blank">Which Hilton Credit Card Should You Get?</a>)</p> <h2>5. Holiday Inn Resort: Waikiki Beachcomber</h2> <p>The Waikiki Beachcomber Holiday Inn Resort is located in a premier spot near the heart of Waikiki, upscale shopping, and one of the area's most beautiful beaches. The property itself offers free internet, spectacular ocean and mountain views, the perfect beach for swimming or sunbathing, and a pool ideal for kids.</p> <p>You can book a standard king room for just 40,000 IHG points per night, or use a combination of points and cash. Like other Holiday Inn Resorts, this property lets kids stay free when they share a room with their parents.</p> <h2>6. Sheraton Kona Resort &amp; Spa at Keauhou Bay</h2> <p>For just 10,000 Starwood starpoints per night, you can stay at the Sheraton Kona Resort &amp; Spa at Keauhou Bay. Its basic mountain and garden view rooms (bookable with points) feature the Sheraton Signature sleep experience with upgraded bedding, a private lanai, and an in-room refrigerator.</p> <p>The Sheraton Kona Resort &amp; Spa sits right at the edge of the water, providing amazing views of the mountains and ocean. You'll find meandering pools perfect for splashing or relaxing, killer views from every angle, and spacious rooms perfect for families. Enjoy sailing canoe tours, fishing, snorkeling, lei making, morning yoga, and many other activities.</p> <h2>7. Moana Surfrider, a Westin Resort &amp; Spa, Waikiki Beach</h2> <p>If you're in the mood to splurge, book the Moana Surfrider for 20,000-25,000 starpoints per night with the Starwood Preferred Guest program. A free night award qualifies you for a stay in a historic Banyan room with Heavenly bedding, high-speed internet access, and basic décor.</p> <p>The resort itself is bursting with things to do and see. An expansive lobby, outdoor dining opportunities, huge pool, and idyllic beachfront make it the perfect spot for families and couples alike. You'll also find an on-site fitness center and spa, perfect for staying in shape and scoring some much-needed relaxation.</p> <p>See also: <a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express?ref=seealso2" target="_blank">Our Favorite Hotel Credit Card: Starwood Preferred Guest Credit Card</a></p> <h2>8. Residence Inn Maui Wailea</h2> <p>If you're looking for a Hawaiian getaway with as much room as possible, consider cashing in some Marriott Rewards points for a stay at the Residence Inn Maui Wailea. Here, 40,000 Marriott Rewards points will get you a studio suite with a king or two queen beds, a living and dining area with full kitchen, and free breakfast. If you've vacationed in Hawaii in the past, you already know just how valuable free breakfast can be.</p> <p>The hotel itself has a spacious lobby, outdoor fire pits for guests, outstanding ocean views, a putting green, basketball court, fitness center, and a huge pool. With your own kitchen and so many amenities, you may never want to leave.</p> <p><strong>Related Stories:</strong></p> <ul> <li> <p><a href="http://www.wisebread.com/caribbean-island-vacations-anyone-can-afford?ref=seealso2" target="_blank">Caribbean Island Vacations Anyone Can Afford</a></p> </li> <li> <p><a href="http://www.wisebread.com/family-friendly-hotel-and-resort-chains-where-kids-stay-free?ref=seealso2" target="_blank">Family-Friendly Hotel and Resort Chains Where Kids Stay Free</a></p> </li> <li><a href="http://www.wisebread.com/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards?ref=seealso2" target="_blank">Once-In-a-Lifetime Experiences I've Earned with Credit Card Rewards</a></li> </ul> <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%2F8-amazing-hawaiian-resorts-you-can-book-with-rewards-points&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Amazing%2520Hawaiian%2520Resorts%2520You%2520Can%2520Book%2520With%2520Rewards%2520Points.jpg&amp;description=8%20Amazing%20Hawaiian%20Resorts%20You%20Can%20Book%20With%20Rewards%20Points"></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/u5180/8%20Amazing%20Hawaiian%20Resorts%20You%20Can%20Book%20With%20Rewards%20Points.jpg" alt="8 Amazing Hawaiian Resorts You Can Book With Rewards Points" width="250" height="374" /></p> <p>&nbsp;</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/8-amazing-hawaiian-resorts-you-can-book-with-rewards-points">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/15-airport-hacks-from-professional-travelers">15 Airport Hacks From Professional Travelers</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/best-credit-cards-with-easy-travel-redemption">Best Credit Cards with Easy Travel Redemption</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-flight-booking-hacks-to-save-you-hundreds">10 Flight Booking Hacks to Save You Hundreds</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-pitfalls-when-chasing-travel-rewards">6 Pitfalls When Chasing 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/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> Travel credit cards credit cards rewards points hawaii hawaiian resorts hawaiian vacation hotel tips travel to hawaii Thu, 22 Jun 2017 08:30:16 +0000 Holly Johnson 1969761 at http://www.wisebread.com 5 Affordable Countries Every Outdoor Explorer Can Afford to Visit http://www.wisebread.com/5-affordable-countries-every-outdoor-explorer-can-afford-to-visit <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-affordable-countries-every-outdoor-explorer-can-afford-to-visit" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/hiking_alone_in_the_mountains.jpg" alt="Hiking alone in the mountains" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Exploring the great outdoors is a wonderful way to spend a vacation, yet it's not always cheap. Many countries have expensive national park fees, camp fees, and general high cost of travel.</p> <p>Check out these inexpensive destinations for your next outdoor adventure.</p> <h2>1. Canada</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/bull_elk_in_banff_in_the_canadian_rockies.jpg" width="605" height="340" alt="" /></p> <p>Canada is an incredible destination for nature lovers. With a population of 35 million people spread over a vast 3.85 million square miles spanning from the Atlantic to the Pacific, and north to the Arctic Ocean, opportunities for outdoor recreation in untouched wilderness areas abound.</p> <p>Plus, as a part of the country's celebration of its 150th birthday, this year you can take advantage of the fact that <em>all </em>national parks in Canada are free with the <a href="https://www.commandesparcs-parksorders.ca/webapp/wcs/stores/servlet/CategoryDisplay?storeId=22953&amp;categoryId=216870&amp;catalogId=53407" target="_blank">2017 Discovery Pass</a>. With more than 40 national parks throughout the country, there is plenty of outdoor exploration to be done in expansive forests, tundra, and mountainous regions.</p> <p>Canada's well-known highlights such as Vancouver Island, Banff National Park, and the Whistler Blackcomb ski resort are well worth a visit. But you should also consider some lesser-known gems, like going on a <a href="http://arctickingdom.com/trip/narwhal-watching-and-safari/" target="_blank">polar bear and narwhal safari</a> in the far northern province of Nunavut.</p> <p>Highlights in the east of the country include Nova Scotia's Cape Breton Highlands, where you can take in spectacular coastal views and may even glimpse minke or pilot whales breaking offshore. In the winter months, you can ski in Quebec, north of Montreal.</p> <p>Head to the Great Lakes region for an epic canoe or kayak trip in the warmer months. Some of the diverse wildlife you could see along the way may include moose, bears, and loons, just to name a few.</p> <p>As an added budget bonus, the U.S. dollar currently trades around 40 percent better than it did five years ago, so Americans can save some serious money on a trip to our great northern neighbor.</p> <h2>2. Kyrgyzstan</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/kazakh_jurt.jpg" width="605" height="340" alt="" /></p> <p>Between its rugged mountain ranges, extensive pasture lands, and high-altitude lakes, this rural country has no shortage of outdoor activities. Seminomadic peoples still live in the mountains here, with yurts dotting many mountainsides.</p> <p>Landing in Bishkek, the country's capital, you can head to Issyk-Kul, the world's second largest alpine lake, which is located at the foot of the Tian Shan Mountains. The area is a great base for an outdoors-oriented vacation, with swimming, hiking, camping, and trekking all available.</p> <p>Other trekking destinations include Lake Song Kol and Lenin Peak on the border with Tajikistan. For those who aren't interested in walking the whole way, horse treks in Kyrgyzstan are a fun way to get around.</p> <p>Kyrgyzstan is an affordable destination overall. We calculate the cost of traveling there at <a href="http://www.goatsontheroad.com/guide-backpacking-kyrgyzstan/" target="_blank">$63 per day for two people</a> sharing accommodations. Plus, you won't have to add visa fees to your travel budget, since no visa is required for Americans visiting for up to 60 days.</p> <p>Discover Kyrgyzstan, the government's official tourism arm, is currently planning new sustainable tourism options around Issyk-Kul and hiking opportunities in the Jyrgalan region, so it's likely that the country will soon be on the radar of all outdoor enthusiasts.</p> <h2>3. Nepal</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/prayer_flags_and_mt._annapurna_i_background.jpg" width="605" height="340" alt="" /></p> <p>Nepal is an internationally renowned destination for adventurers, boasting the famous Everest and Annapurna peaks, and lesser-known areas for trekking, such as the Langtang region north of the capital city, Kathmandu. While summiting Everest is a highly technical and expensive undertaking, there are many other treks in the country that are accessible to hikers of nearly all levels.</p> <p>Planning a trek to a mountain base camp is one good option, enabling you to hike in the vicinity of the world's greatest peaks without spending tens of thousands of dollars to summit them. These are still challenging hikes that should not be underestimated, but with training and proper preparation, they are certainly manageable.</p> <p>Most hikes can be easily planned out of Kathmandu, the country's vibrant and busy urban center. Here you can acquire the required permits for your trek, which usually cost around 2,000 Nepali rupees, or about $20. Farther west, the charming tourist town of Pokhara is a common base for travelers preparing to do the popular Annapurna circuit trek.</p> <p>Not only does Nepal boast stunning landscapes, but it's also a very affordable place to travel, with cheap transportation and meals costing as little as $1. Lonely Planet estimates you can travel for as little as $30 a day, including budget accommodations, two meals, and a trekking porter/guide. A midrange organized trek costs $60&ndash;$80 per day.</p> <h2>4. Chile</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/graceful_silhouette_guanaco_on_the_lake_pehoe.jpg" width="605" height="340" alt="" /></p> <p>Chile is a country of abundant natural beauty, from its extensive coastline to the impressive mountains of Patagonia &mdash; a breathtaking trekking region at the southern end of Chile and Argentina.</p> <p>Torres del Paine National Park, in the heart of Chilean Patagonia, is replete with glaciers and crystal clear mountain lakes. You'll want to plan a trip between mid-September and early May, which are the southern hemisphere's warmer months.</p> <p>Overall, Patagonia is not a budget destination, but it is quite possible to do one of the famous treks in Torres del Paine without breaking the bank. The entrance fee is around $30, but if you plan to do the W Trek (four days) or the O Trek (around eight days), this fee is minimal given the amount of time you'll be spending in the park.</p> <p>There are also numerous free campsites in the park that can help you save money as well. Pack your own food, stay in as many free campsites as you can, and you can end the entire O Trek in Patagonia spending very little. Even if you do have to pay for campsites, they're only around $15 per person, so it's pretty affordable accommodations!</p> <p>Unless you have a lot of time for a road trip, you'll want to fly into the Patagonian towns of Punta Arenas or Puerto Natales. Be sure to reserve your flight far ahead &mdash; Travel and Leisure recommends booking six months in advance &mdash; to ensure you get a seat on one of these in-demand flights.</p> <p>Other impressive sites in Chile include the Atacama Desert, which is one of the best places on earth for stargazing, given its high altitude and the near absence of humidity in the air. (See also: <a href="http://www.wisebread.com/these-6-things-will-make-your-next-flight-more-comfortable?ref=seealso" target="_blank">6 Things That Will Make Your Next Flight More Comfortable</a>)</p> <h2>5. Thailand</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/sunset_thai_countryside_in_thailand.jpg" width="605" height="340" alt="" /></p> <p>Long known as a budget traveler's paradise, Thailand was recently rated as one of the world's 20 cheapest countries to visit by The Telegraph newspaper. Lonely Planet estimates travelers here can get by on as little as $29 a day, with delicious street meals costing less than $2 in many cases.</p> <p>Known for its beautiful beaches, Thailand is actually a fairly diverse outdoor destination. There are many jungle treks in the north of the country where you can explore the country's rich cultural heritage and visit some of the many impressive temples. Most of these treks depart from Chiang Mai and Chiang Rai.</p> <p>For shorter hikes off the beaten path, check out Sri Phang Nga National Park in southern Thailand, which features spectacular waterfalls, abundant wildlife, and huge parasitic rafflesia flowers.</p> <p>Interested in water activities? Head to islands like Ko Pha Ngan and Ko Tao, where you can complete your scuba diving certification without breaking the bank. An open water certification costs 9,800 baht (or around $285). There is no need to book ahead, since the island is full of dive shops that offer certifications, and you can comfortably shop around for the best price once you arrive.</p> <p>If you're not a diver, you can explore the islands by scooter or foot, stopping to snorkel and swim along the way.</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%2F5-affordable-countries-every-outdoor-explorer-can-afford-to-visit&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Affordable%2520Countries%2520Every%2520Outdoor%2520Explorer%2520Can%2520Afford%2520to%2520Visit.jpg&amp;description=5%20Affordable%20Countries%20Every%20Outdoor%20Explorer%20Can%20Afford%20to%20Visit"></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/u5180/5%20Affordable%20Countries%20Every%20Outdoor%20Explorer%20Can%20Afford%20to%20Visit.jpg" alt="5 Affordable Countries Every Outdoor Explorer Can Afford to Visit" 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/5-affordable-countries-every-outdoor-explorer-can-afford-to-visit">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/camping-for-a-week-is-only-160-at-these-national-parks">Camping for a Week Is Only $160 at These National Parks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-should-never-do-when-camping">7 Things You Should Never Do When Camping</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-best-cities-for-frugal-lovers-of-the-outdoors">8 Best Cities for Frugal Lovers of the Outdoors</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-diy-air-conditioner-and-14-other-cool-camping-hacks">A DIY Air Conditioner and 14 Other Cool Camping Hacks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-flight-booking-hacks-to-save-you-hundreds">10 Flight Booking Hacks to Save You Hundreds</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel camping cheap travel credit cards hiking nature outdoors travel Mon, 05 Jun 2017 08:30:08 +0000 Amanda Gokee 1957907 at http://www.wisebread.com How to Get Cash While Traveling Abroad http://www.wisebread.com/how-to-get-cash-while-traveling-abroad <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-cash-while-traveling-abroad" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-522548212.jpg" alt="take out cash while traveling abroad without getting hit with fees" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you're on the road, whether it's for a domestic or international trip, a <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">good travel credit card</a> can usually meet most of your payment needs. But inevitably, you will need cash at some point, too &mdash; for instance, when you want to tip skycaps, bellhops, and other service providers who don't take credit cards. In addition, many retailers in the developing world &mdash; and even advanced nations like Japan &mdash; still don't take credit cards. Finally, there are merchants at flea markets, farmer's markets, and traditional shopping areas where you can drive a harder bargain if you pay in cash.</p> <h2>Don't Use Your Credit Card at an ATM</h2> <p>Credit cards are the worst way to access cash at home or abroad. To do so, you have to take out a cash advance. Most credit cards charge an extremely high interest rate &mdash; often over 25% APR &mdash; for cash advances, even if they offer a competitive rate for purchases. Furthermore, cash advances don't come with a grace period, so those interest charges begin accruing as soon as you make your transaction. Most credit cards also impose a cash advance fee of 5% or $10, whichever is greater. On top of that, you may be charged a foreign transaction fee as well as an ATM fee.</p> <p>If you're thinking it still might be worth taking out a cash advance to earn rewards through your credit card, you should know that cash advances don't earn rewards. Even if they did, the fees would far outweigh the value of any rewards anyway.</p> <h2>Debit Cards Are Better for Accessing Cash<strong> </strong></h2> <p>The key to accessing cash at home or while traveling is to have a debit card linked to your bank account. These cards will never impose interest charges or cash advance fees, which can represent most of the costs associated with using a credit card at an ATM. In addition, most credit cards issued by banks in the United States are part of global networks such as Pulse, Plus, and Interlink, which virtually assure compatibility with ATMs all over the world.</p> <p>Check with your bank about ATMs available in the area you'll be visiting, fees to use out of network ATMs, as well as currency exchange fees. You may want to consider opening an account with a bank that has better rates like fee-free ATM use. Some banks charge you a flat fee each time you use your debit card at an ATM that's outside of their network, and some ATM operators also charge a fee for using an out-of-network card (yes, that's <em>two</em> separate fees). In addition, most banks charge a 3% foreign transaction fee, and even if they don't, the card networks &mdash; Visa and MasterCard &mdash; charge 1% for purchases for withdrawals in a foreign currency.</p> <p>Fortunately, there are some banks that don't charge these fees, and others, such as Schwab Bank, will even reimburse you for any ATM-associated fees. Read the fine print on your agreement before you leave. (See also: <a href="http://www.wisebread.com/5-best-online-checking-accounts?ref=seealso" target="_blank">Best Online Banks for Checking Accounts</a>)</p> <h2>Best Practices for Accessing Cash From ATMs</h2> <p>First, you should contact your bank before you travel to inform it what countries you will be visiting. This will prevent the bank from suspecting fraud and freezing your account. This is also a good time to ask what fees you can expect from your card &mdash; including out-of-network fees and foreign transaction fees.</p> <p>Once you're traveling, look to withdraw money from an ATM that's part of your bank's network, so that you will not be charged any out-of-network fees. And if you are charged fees, you can minimize these flat charges by making fewer, larger withdrawals rather than many smaller ones. Make sure to take extra precaution though, if planning to carry around large sums of cash. (See also: <a href="http://www.wisebread.com/how-to-avoid-theft-while-traveling?ref=seealso" target="_blank">How to Avoid Theft While Traveling</a>)</p> <p>Finally, try to use an ATM from a major bank rather than a standalone machine, especially at an airport. The machines at the large banks are typically the ones used by locals and will likely have lower fees, while standalone machines in tourist areas will often have the highest fees. In addition, there can be more security when you are in the lobby of a bank as opposed to accessing cash from a small machine in a crowded area.</p> <p>By using these tips to access cash, you should have the money you need wherever your travels take you, without paying unnecessary fees.</p> <h2 style="text-align: center;">Like this article? Pin it!&nbsp;</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-get-cash-while-traveling-abroad&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%20to%20Get%20Cash%20While%20Traveling%20Abroad.jpg&amp;description=How%20to%20Get%20Cash%20While%20Traveling%20Abroad" 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/How%20to%20Get%20Cash%20While%20Traveling%20Abroad.jpg" alt="How to Get Cash While Traveling Abroad" 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-to-get-cash-while-traveling-abroad">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/15-airport-hacks-from-professional-travelers">15 Airport Hacks From Professional Travelers</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/best-credit-cards-with-easy-travel-redemption">Best Credit Cards with Easy Travel Redemption</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-flight-booking-hacks-to-save-you-hundreds">10 Flight Booking Hacks to Save You Hundreds</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/carry-some-cash">Carry some cash</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/6-pitfalls-when-chasing-travel-rewards">6 Pitfalls When Chasing Travel Rewards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel atms bank transfers cash credit cards traveler's cheques Tue, 14 Feb 2017 10:30:39 +0000 Jason Steele 1892046 at http://www.wisebread.com Why Millennials Should Embrace Credit Cards http://www.wisebread.com/why-millennials-should-embrace-credit-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/why-millennials-should-embrace-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/women_credit_card_92044311.jpg" alt="Learning why millennials should embrace credit cards" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Millennials are avoiding credit cards more than any other generation. Perhaps this is because they have witnessed their own parents <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">struggling with debt</a>, or they are already feeling overwhelmed by <a href="http://www.wisebread.com/should-you-refinance-your-student-loan?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">student loan repayments</a>. While debt is a good thing to avoid, especially if you don't want to live paycheck to paycheck for the rest of your life, credit cards aren&rsquo;t always the enemy. (See also: <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=article">13 Awesome Credit Card Perks You Didn&rsquo;t Know About</a>)</p> <p>In fact, credit cards can actually be beneficial toward your financial goals. Here are just a few reasons why you should embrace credit cards, after all.</p> <p>See also: <a href="http://www.wisebread.com/4-surprising-reasons-to-always-use-your-credit-card?utm_source=wisebread&amp;utm_medium=seealso2&amp;utm_campaign=cc_article">4 Surprising Reasons to Always Use Your Credit Card</a></p> <h2>Better Protection</h2> <p>If your credit card account information is stolen, and someone goes on a spending spree, you have some time to resolve it. Card charges you flag as fraudulent will be placed on hold while investigated, and you won&rsquo;t be responsible for their payment or even interest accrual. While fraudulent charges are a royal pain, the silver lining is that none of your actual money has been stolen from your bank account.</p> <p>This is not true if your debit card, PayPal, or Venmo account has been hacked, and funds are used without your permission. You would report the fraud to your bank, but those funds have already left your account. You&rsquo;d have to wait for the bank to resolve this. In the meantime, if you have bills to pay, you&rsquo;ll be left asking for an extension while your bank investigates.</p> <h2>Build Up Credit</h2> <p>Your credit score affects everything from your interest rate for a new vehicle, to whether or not you qualify to rent, and even your job, if your career requires a specific clearance. Even having zero credit can be very harmful for your finances. You will end up having to cosign your loan with somebody, or you could be hit with a high interest rate.</p> <p>You don&rsquo;t even have to use your credit card all the time to <a href="http://www.wisebread.com/how-to-use-credit-cards-to-improve-your-credit-score?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">build a healthy credit score</a>. Instead, start with one credit card, spend $100&ndash;$200 a month on it, and pay it off each month. Look for a card that comes with <a href="http://www.wisebread.com/the-5-best-credit-cards-that-offer-free-credit-scores?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">free credit score monitoring</a> so you can keep track of your score.</p> <h2>Get Free Money</h2> <p>Even if you aren&rsquo;t interested in the world of credit card rewards, it&rsquo;s simple to get cash back for your purchases. Some cards will offer a higher percentage of cash back for certain types of purchases, like <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">groceries</a>, <a href="http://www.wisebread.com/the-5-best-credit-cards-for-dining-out?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">dining</a>, or <a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">gas</a>. Others have a <a href="http://www.wisebread.com/best-credit-cards-that-offer-flat-rate-rewards-for-all-spending?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">flat rate cash back percentage</a> on all purchases, so you don&rsquo;t have to worry about bonus categories. Either way, you&rsquo;re getting money back on purchases you&rsquo;re already planning on making. (See also: <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=article">Best Cash Back Credit Cards</a>)</p> <h2>Get Free Travel</h2> <p>Collecting credit card <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=internal&amp;utm_campaign=article">rewards points for travel</a> doesn&rsquo;t have to be complicated. Get points or miles for the purchases you make on your card, redeem them for statement credits toward travel purchases, or use the points to purchase travel. The best part about <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">travel rewards credit cards</a> is the <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">sign up bonuses</a> that you can collect when you get a new card. My husband and I <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=article">earned a free trip</a> just by switching our regular spending to a new card for a few months. (See also: <a href="http://www.wisebread.com/how-travel-rewards-credit-cards-really-work?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=article">How Travel Rewards Credit Cards Really Work</a>)</p> <p>Take advantage of these promotions and bonus points to travel your dream destinations more affordably. Once you get married and have kids, it is harder to see the world.</p> <h2>Purchase Protection</h2> <p>Credit cards have an amazing number of protections in place. Purchase protection protects against theft and damage. Price protection allows you to get a difference on an item&rsquo;s price if it goes down shortly after you&rsquo;ve bought it. Extended warranty automatically extends the warranty on your item up to an additional year. Some even have return protection, which allows you to get a refund even if you&rsquo;ve been denied a return from the vendor.</p> <h2>Interest Free Financing</h2> <p>Many cards offer <a href="http://www.wisebread.com/5-best-credit-cards-with-0-apr-for-purchases?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">0% intro APR on purchases for 6-18 months</a>. This means that you can pay off a large purchase over a year and half, with no interest. The important thing to remember though, is that you have to be committed to paying it off during that time. It&rsquo;s never wise to accrue credit card debt, pay interest, and live beyond your means. But getting an interest-free loan for 18 months if you are certain you can pay it off, is a great deal.</p> <h2>Car Rental</h2> <p>Most car rental vendors will require a credit card. Even better is that many <a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">credit cards also come with rental car insurance</a>, which will save you money on your rental.</p> <h2>Avoid Fees While Traveling</h2> <p>Instead of paying an exchange rate for cash when traveling abroad, use a <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">credit card with no foreign transaction fees</a>. It has the benefit of being safer than carrying cash, and has built in fraud and purchase protections.</p> <h2>Benefiting From Credit Cards While Staying Out of Debt</h2> <p>Even with all of the benefits a credit card can bring, &ldquo;25% of Millennials describe credit cards as something that worsens their financial standing,&rdquo; according to one study. It is true that credit cards can dig you deep into debt and financial problems if you aren&rsquo;t careful. Here are three ways to reap the benefits without falling into debt.</p> <ul> <li><strong>Balance Credit Cards Like Checkbooks: </strong>Past generations used to balance their checkbooks by writing down every expense, making sure they knew how much was in their checking account at all times. Modern technology has made this practice archaic, but it still can be useful. Every time you spend money on your credit card, subtract it from your checking account either with the help of an app or pen and paper.<br /> &nbsp;</li> <li><strong>Use Credit Cards to Pay for Usual Bills: </strong>You can earn points without spending more than you already do each month. Pay your bills online through a credit card or use one solely for gas or groceries. Take advantage of cards that offer extra points for spending in a certain category.<br /> &nbsp;</li> <li><strong>Don&rsquo;t Let Credit Cards Change Your Spending Mentality: </strong>Credit cards can give us the false illusion that we have more money than we actually have to spend. Don&rsquo;t fall victim to this. Still stick to a strict budget and only splurge what you have set aside specifically for spending.</li> </ul> <p>It is great that Millennials are trying to avoid debt more than the other generations. However, avoiding debt does not mean you have to avoid credit cards. Use credit cards to your advantage to make your <a href="http://www.wisebread.com/best-credit-cards-for-everyday-purchases?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">everyday spending go a little further</a>. (See also: <a href="http://www.wisebread.com/how-to-save-an-extra-109486-a-year?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=article">How to Save an Extra $1,000 a Year</a>)</p> <p><em>What is your favorite credit card to use? </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/why-millennials-should-embrace-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-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/top-seven-reasons-why-i-use-my-credit-card-for-everything">Top 7 Reasons Why I Use My Credit Card for Everything</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/10-surprising-ways-to-negatively-affect-your-credit-score">10 Surprising Ways to Negatively Affect Your Credit Score</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/pre-approved-for-credit-card-offers-are-you-pre-qualified">Pre-Approved for Credit Card Offers: Are You Pre-Qualified?</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/choose-the-best-travel-rewards-credit-card-with-this-guide">Choose the Best Travel Rewards Credit Card with this Guide</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-rewards-credit-cards-really-work">How Cash Rewards Credit Cards Really Work</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards car rentals credit cards credit scores financing fraud protection millennials travel warranties Thu, 21 Jul 2016 10:00:12 +0000 Ashley Eneriz 1753340 at http://www.wisebread.com Pre-Approved for Credit Card Offers: Are You Pre-Qualified? http://www.wisebread.com/pre-approved-for-credit-card-offers-are-you-pre-qualified <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/pre-approved-for-credit-card-offers-are-you-pre-qualified" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000031564494_Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>Have you ever received something in the mail that said you are &quot;preapproved&quot; or &quot;prequalified&quot; for a new credit card account? If so, then you've probably wondered what this means, and why you've received it. The answers may surprise you.</p> <h2>What these offers mean</h2> <p>Credit card issuers are allowed to purchase data in bulk from consumer credit bureaus, and they scan that information to find people who are likely to be approved for a new account. The data will typically include your credit score, your zip code, your age, and other general factors. Thankfully, these inquiries to your credit information do not affect your credit score in any way.</p> <p>But even though you may have received one of these offers, there is no guarantee that you will actually be approved when you apply. First of all, the parameters that the card issuer used to generate your preapproval or prequalification are approximate, and the card issuer still reserves the right to deny you based on additional information that you provide in your application. Furthermore, the information it received to generate your preapproval could be out of date by weeks, or even months. So if you have recently applied for several new lines of credit, or worse, failed to make on-time payments to one or more of your accounts, your credit score will suffer and your application could be denied.</p> <h2>The difference between preapproval and prequalification</h2> <p>In the mortgage industry, the terms &quot;preapproval&quot; and &quot;prequalification&quot; can have different meanings. A prequalification is generally the first step in the mortgage approval process where you get a general idea of the size of the mortgage that you can qualify for. In order to get a preapproval, you usually have to have a completed mortgage application, have provided documentation on your finances, and have run a credit check.</p> <p>But when it comes to credit cards, the terms &quot;preapproval&quot; and &quot;prequalification&quot; are used interchangeably to indicate the same thing &mdash; that a card issuer feels that you may be approved for a new credit card, based on some preliminary data on you that it purchased from a credit bureau. In addition, you may sometimes see the term &quot;prescreened,&quot; which also means the same thing.</p> <h2>Checking to see if you are pre-qualified</h2> <p>Most credit card issuing banks offer portals online where you can check to see if you are preapproved. Select a bank below and see which credit card offers are available.</p> <ul> <li><a href="http://www.wisebread.com/bank-of-america-credit-card-offers-applications-reviews?ref=internal">Bank of America</a></li> <li><a href="http://www.wisebread.com/barclaycard-credit-card-offers-applications-reviews?ref=internal">Barclaycard</a></li> <li><a href="http://www.wisebread.com/capital-one-credit-card-applications?ref=internal">Capital One</a></li> <li><a href="http://www.wisebread.com/chase-credit-card-offers-applications-reviews?ref=internal">Chase</a></li> <li><a href="http://www.wisebread.com/citi-credit-card-offers-applications-reviews?ref=internal">Citibank</a></li> <li><a href="https://www.creditonebank.com/pre-qualification/data-entry/index">Credit One</a></li> <li><a href="http://www.wisebread.com/discover-credit-card-offers-applications-reviews?ref=internal">Discover</a></li> <li><a href="https://www.usbank.com/credit-cards/get-your-recommended-card-offers.html">U.S. Bank</a></li> <li><a href="http://www.wisebread.com/american-express-credit-card-offers-applications-reviews?ref=internal">American Express</a></li> <li><a href="http://ct.wisebread.com/click.php?pg=166&amp;pid=102&amp;pp=0&amp;uv=sname">CreditCards.com</a> Cardmatch (Recommended. Find offers from several issuers!)</li> </ul> <h2>What should you do with these offers?</h2> <p>Just because you received one of these offers in the mail, it isn't necessarily a reason to celebrate. If you are interested in applying for that particular card, then you should check to make sure that you received a competitive offer. For example, you might find other offers online that have a <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=internal">higher sign-up bonus</a>, a waiver of the first year's annual fee, or more generous <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=internal">promotional financing terms</a> than the offer you received in the mail.</p> <p>Nevertheless, you may receive a preapproved or prequalified offer that is as good or better than what is available online (sometimes they selectively offer better sign up bonuses that aren&rsquo;t available to the general public). But even if this is true, you will want to make sure that the card is the best one available for your needs.</p> <p>By understanding the meaning of these terms, you can select the ideal card offer, and not give too much weight to marketing material labeled with enticing offers of preapproval or prequalification.</p> <h2>How to position yourself for special offers in the future</h2> <p>You'll receive the best special offers in the future if you have a higher credit score. If you have had credit problems in the past or you are working on building your credit, you may not find the offers you receive to be the most attractive. However, if you continue to make your payments on time, keep your balances low, and manage the accounts you have responsibly, over time, your credit rating will increase and you'll see a change in the prequalification offers you receive.</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/pre-approved-for-credit-card-offers-are-you-pre-qualified">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/top-seven-reasons-why-i-use-my-credit-card-for-everything">Top 7 Reasons Why I Use My Credit Card for Everything</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-rewards-credit-cards-really-work">How Cash Rewards Credit Cards Really Work</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/do-we-really-need-help-in-getting-more-debt">Do we really need help with getting more debt?</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-your-credit-card-can-help-you-manage-your-finances">5 Ways Your Credit Card Can Help You Manage Your Finances</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/this-one-ratio-is-the-key-to-a-good-credit-score">This One Ratio Is the Key to a Good Credit Score</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards credit cards Sat, 19 Mar 2016 08:00:10 +0000 Jason Steele 1671106 at http://www.wisebread.com Visit Your Favorite Museums Free with Bank of America&reg; Credit Cards http://www.wisebread.com/visit-your-favorite-museums-free-with-bank-of-america-credit-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/visit-your-favorite-museums-free-with-bank-of-america-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_000040283984_Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="133" /></a> </div> </div> </div> <p>Over the years, credit issuers and financial institutions have competed heavily to provide the best rewards programs and benefits to meet the wants and needs of cardholders all over the world. These rewards often look the same across different issuers.</p> <p>Bank of America&reg;, however, provides a range of benefits that are different from the typical benefits that other cards offer. Free museum admission and bonus rewards are two unique reasons to consider Bank of America credit cards.</p> <h2>Free Admission with Museums on Us</h2> <p>If you carry a Bank of America credit or debit card, you can present your card at over 150 museums in the country for free admission on the first full weekend of the month.</p> <p>Check out which museums are available at museums.bankofamerica.com. You can also get text or email reminders from there.</p> <p>There are a lot of museums available, including many of the big ones. In Los Angeles, for example, you can choose from Autry National Center, LACMA, or Skirball Cultural Center. The museums are also not limited to just big cities. In New York state, you have options in Albany, New York City, and Yonkers.</p> <p>With so many choices in each state, you can save some money and have a fun family outing every first weekend of the month.</p> <h2>Bonus Rewards for Bank of America&reg; Customers</h2> <p>Another unique benefit of Bank of America cards is the bonus rewards you get as a customer.</p> <p>For example, for the <a href="http://www.wisebread.com/get-more-cash-back-for-the-essentials-the-bankamericard-cash-rewards-card">Bank of America&reg; Cash Rewards Credit Card</a>, you get a 10% cash rewards bonus when you redeem your cash back into a Bank of America&reg; checking or savings account. That's in addition to the excellent cash back rewards of 3% for gas and 2% at grocery stores and wholesale clubs (up to the first combined $2,500 in gas/grocery/wholesale club purchases each quarter). Plus there's a $150 bonus after spending at least $500 in the first 90 days after opening the account.</p> <p>If you prefer travel rewards, the <a href="http://www.wisebread.com/bankamericard-travel-rewards-more-rewards-for-more-travel">Bank of America&reg; Travel Rewards Credit Card</a>&nbsp;offers a 10% customer points bonus on every purchase when you have an active Bank of America&reg; checking or savings account. You can also earn 1.5 points for each dollar spent, along with a 20,000 online bonus offer (worth $200 in travel) after making $1,000 in purchases within the first 90 days.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/visit-your-favorite-museums-free-with-bank-of-america-credit-cards">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-seven-reasons-why-i-use-my-credit-card-for-everything">Top 7 Reasons Why I Use My Credit Card for Everything</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/pre-approved-for-credit-card-offers-are-you-pre-qualified">Pre-Approved for Credit Card Offers: Are You Pre-Qualified?</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/bankamericard-travel-rewards-more-rewards-for-more-travel">Bank of America® Travel Rewards: More Rewards for More Travel</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/do-we-really-need-help-in-getting-more-debt">Do we really need help with getting more debt?</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-rewards-credit-cards-really-work">How Cash Rewards Credit Cards Really Work</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Bank of America credit cards Tue, 08 Mar 2016 17:34:09 +0000 Christina Majaski 1665267 at http://www.wisebread.com Farnoosh Torabi Shares Favorite Holiday Shopping Tips With Wise Bread Readers! http://www.wisebread.com/farnoosh-torabi-shares-favorite-holiday-shopping-tips-with-wise-bread-readers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/farnoosh-torabi-shares-favorite-holiday-shopping-tips-with-wise-bread-readers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/holiday-shopping-kids.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I love giving gifts (and getting them) when the holidays roll around, but in the excitement to spread the good cheer, it&rsquo;s easy to get carried away and to spend a little more than I can afford. How can you plan wisely and avoid carrying debt into the New Year, without feeling like you&rsquo;re depriving yourself? Fortunately for us, Farnoosh Torabi, personal finance guru, TV star, and author of <em>When She Makes More: The Truth About Navigating Love and Life for a New Generation of Women</em>, is here to share her best holiday spending strategies, which I&rsquo;ll certainly be implementing this season, and hopefully, my wallet will thank me in the New Year!</p> <p><strong>1. What are some of your favorite &quot;overlooked&quot; tips about spending smart during the holidays?</strong></p> <p><strong>Make a kids-only rule</strong>. Limit the number of gifts you have to buy for friends and family by making a rule such as gifts for the kids only. Alternatively, you could do a gift exchange where you only have to buy one family member a gift instead of all of them.</p> <p><strong>Shop early</strong>. By doing some shopping in advance and taking advantage of sales throughout the year, you can avoid paying full-price at the last minute. Just be careful not to forget about the gifts you have stashed away.</p> <p><strong>Search your home for unused gift cards</strong>. They may be lying forgotten in a drawer. Even if they are to a store you don't normally frequent, chances are you can use them to buy a gift for someone else.</p> <p><strong>Favor clever over cost. </strong>Gifts with a clever touch &ndash; like ones that celebrate an inside joke or old memories &ndash; can often trump a pricey present. Sites like Living Social and Groupon are also great</p> <p><strong>2. Your book, When She Makes More: The Truth About Navigating Love and Life for a New Generation of Women, gives a lot of great advice for women who are the top-earners in their households. What do you think is a great gift for the ultra-successful woman CEO who already has everything?</strong></p> <p>The gift of time and/or a little luxury and pampering. Offering her a free weekend to do anything she wants while you run her errands and take care of the kids would be an incredible gift. During this time off, you could book her a day at the spa and invite her friends to surprise her at her favorite restaurant &ndash; because, really, when was the last time she saw them?&nbsp;</p> <p><strong>3. What are some of the biggest personal finance mistakes people make during the holiday season?</strong></p> <p><strong>Not communicating with your significant other</strong>. Few things put a damper on marital felicity like a giant credit card bill in January. While it's sweet to surprise your significant other with a nice holiday gift, make sure you're both on the same financial page to avoid unwanted surprises in the New Year. Be open about expectations and budgets this season.</p> <p><strong>Focusing on material gifts rather than experiences</strong>. In a few years, the toys and knick-knacks may be forgotten, but great experiences allow you to create memories with your friends and family that will last a lifetime. Make sure you prioritize quality time with your family and friends, which is more important than frantically rushing around buying gifts.</p> <p><strong>Not keeping an eye on your credit score</strong>. By spending more on your credit cards than you can pay off at the end of the billing cycle, you risk both paying interest on the balance, as well as dinging your credit score. One way to keep tabs on your credit score is to use a credit card like the Chase Slate&reg; card. As a cardmember, you'll have free access to your FICO score through the Chase Slate Credit Dashboard, as well as valuable information such as the main factors, positive and negative, behind your score. Additional tools allow you to track your 12-month credit trends, and offer suggestions on how to improve your credit. Managing seasonal finances wisely with the right planning and tools can help keep your score intact and even improve your score into the New Year.</p> <p>&nbsp;<img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/slate-credit-dashboard.jpg" height="368" width="605" /></p> <p><strong>4. If someone spent too much money this holiday season and is experiencing the dreaded &quot;holiday hangover,&quot; what is your best advice on how they can dig themselves out of that hole?</strong></p> <p>To minimize the impact on your finances, you might pick up a few side jobs (babysitting, dog-walking, seasonal jobs) to help offset the extra expenses, which can enable you to pay off your balance in full. You can also sell some unwanted items such as extra clothing, furniture, and electronics.</p> <p>If you do find yourself struggling with debt in the new year, you can alleviate the financial burden by making sure you have a good balance transfer card that doesn't have an annual fee or penalty APR, such as the Chase Slate&reg; card. That way, you won't be paying excessive interest as long as you make your monthly payments. This is a temporary solution, of course, as you'll have to pay your balance in full before the introductory period ends, but will give you some temporary relief.</p> <p><strong>5. What is the favorite gift you&rsquo;ve received that cost nothing or very little? </strong></p> <p>For one of my birthdays, my then long-distance boyfriend (now husband) surprised me by coming to visit me in New York a couple days sooner than he said he&rsquo;d be there. I got home to my apartment and he was waiting for me by the door with flowers!</p> <p><strong>6. Do you have a holiday message to the readers of Wise Bread?&nbsp;</strong></p> <p>Remember to enjoy the moments more than the gifts! Things don&rsquo;t last, nor make us happy. But memories do.</p> <p>This post is sponsored by Chase Slate&reg;.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> of <a href="http://www.wisebread.com/farnoosh-torabi-shares-favorite-holiday-shopping-tips-with-wise-bread-readers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-seven-reasons-why-i-use-my-credit-card-for-everything">Top 7 Reasons Why I Use My Credit Card for Everything</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-credit-mistakes-that-could-hurt-your-mortgage-application">8 Credit Mistakes That Could Hurt Your Mortgage Application</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/4-steps-to-finding-your-mortgage-lender">4 Steps to Finding Your Mortgage Lender</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/11-ways-your-credit-card-will-save-you-money-while-holiday-shopping">11 Ways Your Credit Card Will Save You Money While Holiday Shopping</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/start-investing-today-acorns-lets-you-invest-your-change-while-you-shop">Start Investing Today: Acorns Lets You Invest Your Change While You Shop</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping chase credit cards Fri, 04 Dec 2015 16:00:03 +0000 Camilla Cheung 1618195 at http://www.wisebread.com 9 Ways to Save on Your Thanksgiving Celebrations http://www.wisebread.com/9-ways-to-save-on-your-thanksgiving-celebrations <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-to-save-on-your-thanksgiving-celebrations" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/shopping-for-pumpkins.png" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>This post contains references to products from our advertisers. We may receive compensation when you click on links to those products. Please visit our<a href="http://www.wisebread.com/advertiser-disclosure">Advertiser Disclosure</a> to view our partners, and for additional details.</em></p> <p>Have you volunteered to host your family's Thanksgiving meal this year, but don't want to break the bank? Or do you love that Thanksgiving brings your family together for a shared meal, but don't love how expensive it can get? Between all the holiday entertaining, your wallet definitely feels the pinch. On the upside, if you use the right credit card, you can accumulate rewards points to get something back for all that spending. I use the Amex EveryDay Credit Card, which bonuses you 20% extra Membership Rewards points after making 20 or more purchases in a billing period &nbsp;&mdash; all for no annual fee!</p> <p>Here's how I use my card to save money along with other ways to save this Thanksgiving season.</p> <h2>1. Using Points for Purchases</h2> <p>When you're shopping for the big meal, remember to use your rewards Amex EveryDay to pay at the grocery store because getting cash back at the grocery store is always a treat. You earn 2x the points at U.S. grocery stores and 1x for every dollar you spend. There are lots of flexible ways to use the Card&rsquo;s rewards points. For example, you can use Membership Rewards on the Membership Rewards <a href="https://rewards.americanexpress.com/myca/loyalty/us/catalog/giftcardhub">site</a> to book travel or get gift cards from popular stores like the Gap, Home Depot, and Saks Fifth Avenue. There are even <a href="https://www.americanexpress.com/us/credit-cards/benefits/detail/points-for-charges/premier-gold">options</a> for you to use the points to pay for your purchases on Amazon.com, book Uber rides, or simply pay off your existing Amex charges.</p> <h2>2. Craft DIY Centerpieces</h2> <p>Thanksgiving centerpieces can get pricey quickly (plus they often end up getting moved off the table to make room for the food.) Make your own centerpiece and keep it simple. Start with fall leaves &mdash; red or yellow maple leaves are perfect. Clip a few small branches with leaves attached and stick them in a vase or old wine bottle. Or buy squash and pumpkins (a variety of colors and shapes is best) at your local farmer's' market or grocery store, then arrange them along the middle of your table.</p> <h2>3. Shop Secondhand</h2> <p>If you want a fancy tablecloth, festive cloth napkins, or decorations beyond a centerpiece, start looking now. Resale shops and estate sales are great places to find linens and decorations at bargain prices.</p> <h2>4. Rethink Tradition</h2> <p>Resist the urge to make grandma's Jello mystery casserole just because you've always made it. If there's a dish that goes mostly uneaten every Thanksgiving, pass on it this year. Cut down on waste and expense, and keep the menu simple and focused on food that everyone (or at least almost everyone) will eat. You'll save time and money.</p> <h2>5. Roast a Thanksgiving&hellip; Chicken?</h2> <p>Turkeys are a lot of work. If you buy frozen, you have to defrost it for a day or two. Then you have to stuff it, if that's your style, and cook it for three to six hours, depending on the size. Not to mention the hefty price tag and the constant basting. Why not try a chicken or two for your group? They're smaller, cheaper, quicker, and just as delicious. Plan on at least &frac12; pound per person, plus more if you want leftovers.</p> <h2>6. Plan Ahead</h2> <p>As is the case in so many situations, planning ahead will save you money on your Thanksgiving meal prep. Map out your menu and list of ingredients far in advance. In the weeks leading up to your celebration, look out for coupons and specials that will save you money. Think about whether there are dishes you can make ahead and freeze if you get a good deal on certain ingredients. These plans will save you not only money, but stress in the days leading up to the big meal.</p> <h2>7. Delegate the Deliciousness</h2> <p>Just because you're hosting doesn't mean you have to do all of the cooking. Invite your friends and family to bring a favorite side dish or dessert. People enjoy pitching in and sharing their own Thanksgiving traditions. You might even find a new favorite dish. Plus, delegating means you won't have to spend as much money on ingredients and time in the kitchen.</p> <h2>8. Buy Wine Early</h2> <p>Wine is the one Thanksgiving meal ingredient that only gets better with age. Plan ahead on this one and you can save a lot of money. Start watching for sales now and stock up when you see a good price.</p> <h2>9. Relax and Enjoy</h2> <p>While taking a deep breath won't save you money, it will help you enjoy spending these Thanksgiving #EveryDayMoments with your friends and family. Don't fret the small stuff. Something is bound to go wrong, especially if you're hosting, but it's unlikely that anyone will remember in a year. And if they do, it will be a good story!</p> <p><em>How do you save money on Thanksgiving? </em></p> <p><em>I was selected by American Express to help educate consumers about the </em><a href="https://www.americanexpress.com/us/credit-cards/amex-everyday"><em>Amex EveryDay Credit Card</em></a><em>. As such, I was paid&nbsp;for my services, but tips and opinions shared about and American Express and the Amex EveryDay Credit Card are my own.</em></p> <p><a href="http://americanexpress.tumblr.com/"><img src="http://i.imgur.com/r5fZIrt.jpg" alt="" /></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/elizabeth-lang">Elizabeth Lang</a> of <a href="http://www.wisebread.com/9-ways-to-save-on-your-thanksgiving-celebrations">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/7-podcasts-for-foodies">7 Podcasts for Foodies</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-ways-your-bartender-is-ripping-you-off">7 Ways Your Bartender Is Ripping You Off</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/best-kids-eat-free-restaurants">Best Kids Eat Free Restaurants</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/15-ways-to-save-money-when-getting-your-drink-on">15 Ways to Save Money When Getting Your Drink On</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-dinner-party-for-6-feed-em-for-under-20">A Dinner Party for 6: Feed &#039;Em for Under $20</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Food and Drink credit cards Tue, 24 Nov 2015 18:00:04 +0000 Elizabeth Lang 1616589 at http://www.wisebread.com 10 Flight Booking Hacks to Save You Hundreds http://www.wisebread.com/10-flight-booking-hacks-to-save-you-hundreds <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-flight-booking-hacks-to-save-you-hundreds" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000052282084_1.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I've been traveling and hacking flights since 2008, spending nearly eight years researching and finding secret methods to save money, earn points, and fly for free. These effective and easy-to-use tricks have saved me thousands of dollars over the years and now they can do the same for you.</p> <h2>1. Use Google Flights</h2> <p>If there ever was a single flight booking engine to rule them all, it would be <a href="https://www.google.com/flights/">Google Flights</a>. This incredible website will revolutionize the way you book flights and it can save you a ton of money along the way. Let's go over some of the main features of this booking site that blows others like it out of the water.</p> <h3>Two Months of Fares</h3> <p>A frequent flyer knows that there are always cheaper days of the week and times of the month to fly. Google Flights simplifies your fare search by showing you a calendar with two full months of fares. There's even a handy bar graph that makes it easy to see which day is the cheapest. I have found flights for nearly half price just by using this tool and flying on the right day of the month!</p> <h3>Destination Region, Not Just Destination City</h3> <p>Sometimes you want to go to Europe, but you want to be spontaneous. You'll fly to any city as long as it's cheap. Well, Google Flights will be your new best friend. Instead of having to input a destination city, you can input a destination region (ie: Europe). You can then open a map view of the entire continent which shows airfares on every major city and airport. With this trick, I found that I could fly to Paris for $150 less than if I flew to London on the same day. Using traditional methods of flight search, you'd have to separately search each city in Europe to find the cheapest flight and this could potentially take hours.</p> <h3>Happiness Factors</h3> <p>A good deal on a flight ticket is only a good deal if you're comfortable while you're in the air. Google has teamed up with Routehappy to include &quot;Happiness Factors&quot; in their search results. Now you can see if there is food, USB power outlets, TVs, video on demand, and Wi-Fi on your flight. The factors are shown using easy to spot icons right next to the fares in search results. You can even see how many inches of legroom you'll have!</p> <h3>Best Flight Recommendation</h3> <p>Google takes the guesswork out of choosing flights. Sometimes, customers are blinded by a cheap deal and they fail to notice that there is a 45-hour layover in Delaware. For an extra $40 you could have flown direct! Google automatically calculates the best flight for you based on a good balance of price and transit time. Brilliant. (See also: <a href="http://www.wisebread.com/the-secret-flight-search-site-savvy-travelers-use?ref=seealso">The Secret Flight Search Site Savvy Travelers Use</a>)</p> <h2>2. Clear Your Cache</h2> <p>This is a big one, everybody! Have you ever noticed that when you return to check the cost of your flight day after day, the price just keeps going up? This is not a coincidence. Flight booking engines and airline websites store cookies in your browser. These cookies can monitor your browsing habits and they'll know when you return to their website to check flight costs again and again. They will then jack the price up to urge you to buy! It sounds criminal, doesn't it? Well it's not illegal and it happens all of the time on pretty much every booking website. (See also: <a href="http://www.wisebread.com/4-secrets-to-getting-the-lowest-rate-from-travel-websites?ref=seealso">4 Secrets to Getting the Lowest Rate From Travel Websites</a>)</p> <p>To avoid getting charged extra every time you book a flight, simply clear your browser cache before booking anything online, or if you use Google Chrome as your browser, simply hit control-shift-N to open an &quot;incognito&quot; window which ensures cookie-free browsing.</p> <p>Note: Clearing the cache is different for every browser, here are instructions for the most common ones: <a href="https://support.google.com/chromebook/answer/183083?hl=en">Google Chrome</a>, <a href="http://agsci.psu.edu/it/how-to/clear-internet-explorer-8-ie8-browsing-history-cache">Internet Explorer</a>, <a href="https://support.mozilla.org/en-US/kb/delete-cookies-remove-info-websites-stored">Firefox</a>, and <a href="https://guides.instructure.com/m/4214/l/334964-how-do-i-clear-my-browser-cache-on-a-mac">Safari</a>.</p> <p>I recently booked a flight from Guatemala to Cuba and I noticed that each day before booking, the price kept going up. Luckily I utilized this simple hack and voila! The price magically went back down and I saved $250 on two tickets! Don't believe me? Check out the split image below. The bottom half is the flight before clearing the browser cache and the top half is the exact same flight, booked 10 minutes later using &quot;incognito&quot; mode.</p> <p><img width="605" height="456" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/flight%20prices.jpg" /></p> <p>If you didn't know about this hack before, then you've probably overpaid for pretty much every flight you've ever taken. Next time you book a flight, make sure you clear your cache or shop &quot;incognito.&quot;</p> <h2>3. Get Bumped</h2> <p>Is saving big money on flights not good enough for you? You want to <a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets">fly for free</a>? No problem. You can get free flight vouchers so you don't have to pay for your future airfare at all. It's called &quot;getting bumped.&quot;</p> <p>Here's how it works: These days, there are so many people flying that airlines overbook their flights and bank on the fact that not everyone will show up to the gates come check-in time. Sometimes this works for them and they can overbook flights without a hitch, but other times they have to ask some passengers if they wouldn't mind taking the next scheduled flight instead. These passengers are &quot;getting bumped.&quot;</p> <p>Why is &quot;getting bumped&quot; such an awesome hack? Because if you get bumped, you'll be flown to your destination on the next scheduled flight, plus you'll receive a free flight voucher for your next holiday! That's right, your next flight will be free.</p> <p>But you shouldn't just cross your fingers and hope to get bumped. There are three things that you should do to better your chances.</p> <h3>Choose a Popular Flight</h3> <p>The more popular the flight route, the more likely it will be that the airline needs to bump passengers. Choose a destination city that is popular, and fly on the busiest day possible (usually Monday mornings, Friday afternoons, and around holidays).</p> <h3>Pack Light</h3> <p>Airline staff will try to choose the most convenient candidates for bump passengers. If they have to go fetch your bag from under the plane, they probably won't pick you. If you want to get bumped, try to pack only carry-on luggage.</p> <h3>Show Up Extra Early and Volunteer</h3> <p>Head to the check-in counter right when it opens and have a big smile on your face. Politely mention to the agent that you're in no rush, and you'd have no problem volunteering to take the next flight if they need you to.</p> <p>Now you just sit and wait with your fingers crossed. This hack may not work every time, but you can definitely get a few free flights if you keep trying.</p> <h2>4. Book at the Right Time</h2> <p>The &quot;right time to book&quot; has been a debate amongst frequent flyers since the invention of commercial air travel. How long before your departure date should you start shopping for flights? Are last-minute deals the best or is it better to plan in advance to get early bird discounts?</p> <p>According to a 2013 study conducted by CheapAir.com, the <a href="http://www.cheapair.com/blog/travel-tips/when-should-you-buy-your-airline-ticket-heres-what-our-data-has-to-say/">optimal time to book flights</a> is approximately 48 days (about seven weeks) before departure. The study also claimed that most airlines will charge hefty premiums for late bookings (within 14 days of departure) and for early bookings (more than five months in advance).</p> <h2>5. Become &quot;Cancellation Protected&quot;</h2> <p>Many flight booking engines have pretty strict flight cancellation policies that are often separate from the airline's policies. Sometimes you have to cancel your flight for unforeseen reasons and if you booked with an online booking site, you may be out of luck and out of money.</p> <p>Instead, find the flight using your favorite booking engine, get the flight number and date of the cheapest fare, and then go straight your chosen airline's website to book it. This way, you'll have a better chance of getting at least some kind of refund if you have to cancel down the road.</p> <p>Keep in mind, you can get refunds on many <a href="http://www.wisebread.com/how-to-get-a-refund-when-something-is-non-refundable">&quot;non-refundable&quot; purchases</a> if you know how to ask.</p> <h2>6. Use Your Best Travel Rewards Credit Card</h2> <p>There's no reason why anyone should book travel without reaping the benefits of travel rewards and air miles from their favorite credit cards. Whenever you're paying for a holiday, trip or vacation, make sure that you're using your <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">best travel rewards credit card</a>.</p> <p>Find the <a href="http://www.wisebread.com/how-travel-rewards-credit-cards-really-work">best card for your travel preferences</a>, rack up your points and miles, and then <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">redeem them for a free vacatio</a>n!&nbsp;<span style="font-size: 13px; line-height: 1.7em;">If you're a loyal flyer on a particular airline, a </span><a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?ref=internal" style="font-size: 13px; line-height: 1.7em;">co-branded airline card</a><span style="font-size: 13px; line-height: 1.7em;"> will get you extra travel perks like priority boarding and discounts off in-flight purchases.</span></p> <h2>7. Use the Flight+Hotel or Flight+Rental Tab</h2> <p>You've probably seen that little tab at the top of flight booking websites that says Flight+Hotel or Flight+Car Rental. It looks like it's just an aggressive upsell, trying to get you to spend more money than you really want to, but it turns out, there are huge savings hidden beneath that tab.</p> <p>Flight booking engines offer customers big discounts on their flights, hotels, and car rental if they book them all together. Even if you don't want to rent a car for the duration of your holiday, give this little hack a try.</p> <p>In my sample booking, the cheapest flight from Toronto to London in July of 2015 was $1,524. I then searched the same flight using the tab on the British Airways website that says &quot;Flight+Car&quot; and found it for just $1,444 including a rental for the duration of the one week holiday. That's $80 less for the flight, plus a free rental car.</p> <h2>8. Pack Your Stuff to Avoid Extra Baggage Fees</h2> <p>Everyone wants to avoid going over the baggage allowance on flights. It's a good idea to always carry the maximum allowed size for your carry-on luggage, plus a purse, and a laptop bag. Most airlines allow all of these items as carry-ons and having all three is a loophole that will help you to avoid expensive fees at check-in. (You can sometimes sneak on with a plastic grocery bag as well!)</p> <p>If that nasty scale at the check-in counter is calling your luggage fat, take the heaviest things out and put them in your purse or daypack. Toss some things in the laptop bag and distribute the weight into your carry-ons so that you don't have to pay an extra cent for heavy checked luggage.</p> <p>Bonus hack: If you're traveling with golf clubs, stuff the golf bag with as much clothing as you can to lighten your other checked bag and avoid overweight charges. (See also: <a href="http://www.wisebread.com/25-secrets-from-the-worlds-most-frugal-frequent-travelers?ref=seealso">25 Secrets From the World's Most Frugal Frequent Travelers</a>)</p> <h2>9. Ask to Sit Close to the Emergency Exit</h2> <p>On most airlines, you are charged extra if you request the emergency exit seats because they have twice the leg room, but you can often get them for free. When you check in for your next flight, request that your seat is <em>close to</em> the nearest emergency exit row. This is free.</p> <p>As soon as the plane doors are sealed and you see an empty emergency exit seat, switch over to it. Because passengers are charged extra if they request exit seats before departure, there are usually a couple of empty ones available and once the plane is sealed, you don't have to pay to move into them.</p> <p>See also: <a href="http://www.wisebread.com/15-airport-hacks-from-professional-travelers?ref=seealso">15 Airport Hacks From Expert Travelers</a></p> <h2>10. Use the Multi-City Tab</h2> <p>Basically, the Multi-City tab can be found on almost all booking sites and it gives customers access to secret discounts for taking multiple flights at the same time. In my case, I needed to fly from Guatemala City to Havana and then on to San Jose, Costa Rica three weeks later. If I were to book these flights separately, they would have cost me $938, but booking the same trip using the Multi-City tab only cost me $710. That's a savings of $218. Use this tab when you're planning multiple flights in a specific time frame and you can save a lot of money.</p> <p><em>Do you know of some money saving flight hacks that I missed? Please share them with the world in the comments below!</em></p> <h2 style="text-align: center;">Like this article? Pin it!&nbsp;</h2> <p style="text-align: center;"><a data-pin-do="buttonPin" data-pin-color="red" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-flight-booking-hacks-to-save-you-hundreds&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Flight%2520Booking%2520Hacks%2520to%2520Save%2520You%2520Hundreds.jpg&amp;description=10%20Flight%20Booking%20Hacks%20to%20Save%20You%20Hundreds"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Flight%20Booking%20Hacks%20to%20Save%20You%20Hundreds.jpg" width="250" height="374" align="middle" alt="" /></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/10-flight-booking-hacks-to-save-you-hundreds">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/5-best-credit-cards-that-transfer-points-to-airline-miles">The Best Credit Cards that Transfer Points to Airline Miles</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-sure-youre-getting-a-deal-with-groupon-getaway">How to Make Sure You&#039;re Getting a Deal With Groupon Getaway</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</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/10-sneaky-vacation-costs-that-add-up-quickly">10 Sneaky Vacation Costs That Add Up Quickly</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/are-groupon-getaways-a-good-idea">Are Groupon Getaways a Good Idea?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel airline miles airline tickets credit cards flight booking flying travel vacation Mon, 07 Sep 2015 11:00:35 +0000 Nick Wharton 1548205 at http://www.wisebread.com 8 Credit Mistakes That Could Hurt Your Mortgage Application http://www.wisebread.com/8-credit-mistakes-that-could-hurt-your-mortgage-application <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-credit-mistakes-that-could-hurt-your-mortgage-application" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/A000044377414_0.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p><a href="http://r1.fmpub.net/?k1=cmx-metric&amp;k2=289|652|2247&amp;k3=logo&amp;k4=&amp;r=http%3A%2F%2Fwww.chase.com%2Fmortgage" rel="nofollow"><img src="http://vc.cdn.fm/video_conversationalist/system/published/opportunity/88244652/sponsor_logo.jpg" class="nopin" nopin="nopin" align="right" alt="" /></a></p> <p>Sponsored by Chase Mortgage Banking.&nbsp;<a href="http://r1.fmpub.net/?k1=cmx-metric&amp;k2=289%7C652%7C2247&amp;k3=disclaimer&amp;k4=&amp;r=http%3A%2F%2Fwww.youtube.com%2Fmynewhome" rel="nofollow">Review their resources</a>&nbsp;to help you find and finance your home.</p> <p><img width="605" src="http://wisebread.com/files/fruganomics/072215-SurprisingThings-hires.png " alt="" /></p> <p>See more ways you can improve your credit score today.</p> <!-- Content Well 650x300 Zone --> <script type='text/javascript' src='http://static.fmpub.net/zone/20744'></script> <!-- Content Well 650x300 Zone --> <script type="text/javascript" charset="utf-8" src="http://vc.cdn.fm/video_conversationalist/system/published/opportunity/88244652/289_2247.js"></script><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/lynn-truong">Lynn Truong</a> of <a href="http://www.wisebread.com/8-credit-mistakes-that-could-hurt-your-mortgage-application">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/4-steps-to-finding-your-mortgage-lender">4 Steps to Finding Your Mortgage Lender</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/mortgage-application-declined-here-s-how-to-respond">Mortgage Application Declined? Here’s How to Respond</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/12-crucial-things-homebuyers-overlook-at-open-houses">12 Crucial Things Homebuyers Overlook at Open Houses</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/when-is-the-best-time-to-lock-in-a-mortgage-rate">When Is the Best Time to Lock in a Mortgage Rate?</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-simultaneously-buy-and-sell-a-house">How to Simultaneously Buy and Sell a House</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing chase credit cards mortgage Tue, 18 Aug 2015 11:00:00 +0000 Lynn Truong 1529667 at http://www.wisebread.com Chase Total Checking and Savings: Easy Everyday Banking http://www.wisebread.com/chase-total-checking-and-savings-easy-everyday-banking <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/chase-total-checking-and-savings-easy-everyday-banking" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000037506278_XXXLarge.jpg" alt="man using smartphone" title="man using smartphone" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>Years ago, when you wanted to open a checking or savings account at a bank, you'd head over to a bank in your neighborhood. These days, setting up a new account no longer requires a live person to walk you through it. There are <a href="http://www.wisebread.com/5-best-online-checking-accounts?ref=internal">banks exclusively online</a> to prove it. (See also: <a href="http://www.wisebread.com/banks-still-offering-free-checking-and-great-interest-rates?ref=seealso">Banks Still Offering Free Checking and Great Interest Rates</a>)</p> <p>If you're shopping for a bank to open a checking or savings account at, you're probably wondering which bank is best: local credit union, exclusive online bank, or one that provides both online and brick and mortar services. While online exclusive banks may offer slightly lower fees or higher APYs, a large, traditional bank can provide valuable resources and services along with integrated online and mobile options that make banking a breeze.</p> <p>Take, for example, Chase Total Checking&reg;. Their motto is &ldquo;Simple and Accessible&rdquo; &mdash; and with 15,500 Chase ATMs and 5,400 branches across the nation, it won&rsquo;t be too difficult to find a location to get cash or deposit checks in person. And you can get even more out of your banking if you open a Chase Savings<sup>SM</sup> account too. And they're offering new customers up to a $250 bonus! See details below.</p> <h2>How to Open an Account</h2> <p>To open a Chase Total Checking&reg; account, you need to deposit a minimum of $25. There is a $12 monthly service fee, which you can get around by doing one of the following:</p> <ul> <li>Make direct deposits to your account totaling $500 or more.</li> <li>Maintain a $1,500 minimum daily balance.</li> <li>Maintain an average daily balance of $5,000 or more in qualifying linked deposits or investments.</li> </ul> <p>The minimum deposit for a savings account is also $25. The monthly fee is $5, which is waived if you do one of the following:</p> <ul> <li>Maintain a $300 minimum daily balance.</li> <li>Have at least one repeating automatic transfer of at least $25 from your personal Chase checking account.</li> <li>Link your savings account to a Chase Premier Plus Checking, Chase Premier Platinum Checking, or Chase Private Client Checking account.</li> <li>Be younger than 18 years old.</li> </ul> <h2>Sign-up Offers</h2> <p>Chase is offering $150 for their new customers who open a Chase Total Checking&reg; account and set up direct deposit. If you open a new Chase Savings<sup>SM</sup> account (even if you already do some of your banking with Chase), you can get $100 by depositing $10,000 in new money within 10 business days and keeping a $10,000 balance for 90 days. This means that you can receive $250 if you qualify for both offers! But be sure to jump on them soon &mdash; these offers expire October 14, 2015.<a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=26126800&amp;fot=1253&amp;foc=1" rel="nofollow"><strong><br /> </strong></a></p> <h2>Online and Mobile Banking</h2> <p>If you prefer to do your banking from the comfort of your living room &mdash; or really, anywhere with Internet connection &mdash; Chase offers online and mobile banking. Some of their services include:</p> <ul> <li><strong>Chase QuickDeposit:</strong> Take a picture of your check and deposit it with the Chase Mobile App. Easy!<br /> &nbsp;</li> <li><strong>Chase QuickPay:</strong> Send money to another person, no cash or checks necessary. Just enter the recipient&rsquo;s email address or mobile number and Chase will send them an email with instructions on how to accept the payment. They don't have to be a Chase customer, but they do have to create a Chase user account.<br /> &nbsp;</li> <li><strong>Online Bill Pay:</strong>&nbsp;Your bill payments will be sent on the date you specify. If your payment is ever delayed, Chase will refund 100% of any late fees (provided they got the payment request before the cutoff time and the payee information was correct).</li> </ul> <h2>Automatic Savings</h2> <p>You can set up a repeating automatic transfer from your Chase checking to your savings account...and forget about it! Actually, don't, because it's important to monitor your money. But there's no denying that Chase's Automatic Transfer Program takes most of the effort out of saving, and it's an easy way to get the monthly fee on your savings account waived &mdash; just set the transfer amount to at least $25 a month.</p> <h2>Account Alerts</h2> <p>Need to keep a close eye on your account? (I mean, who doesn&rsquo;t?) Chase will text or email you if your account is low on funds, there is a large transaction, or other account activity. It&rsquo;s easy to personalize what account alerts you receive and how you receive them.</p> <h2>Pros</h2> <p>$250 is an attractive sign-up offer! Plus, between the online/mobile banking offerings and account alerts, it&rsquo;s easy to stay on top of your finances wherever you are. And you'll likely never worry about having to hunt down a Chase ATM or branch, if you need to access your money quickly or get a banker's help.</p> <h2>Cons</h2> <p>You might forget about the minimum balance or requirements for waiving the monthly fee and get hit with it. That's one of the disadvantages of having an account that &quot;waives&quot; your fee rather than provides it for free. <a href="http://www.anrdoezrs.net/click-2822544-10124087-1437509025000?sid=review-chase_total">Capital One 360</a> offers a free interest bearing checking account, and <a target="_blank" href="http://www.dpbolvw.net/click-2822544-11035571-1443704483000?sid=review-chase_total">Discover offers a savings account</a> with a whopping 1.20% APY for all balances.&nbsp;</p> <h2>Are Chase Total Checking&reg; and Savings<sup>SM</sup> Right for You?</h2> <p>If you're looking for a solid bank with both a physical presense as well as plenty of online and mobile conveniences, Chase is a great option. Along with their basic banking offerings, Chase has a good reputation for their other consumer products like credit cards. Having a lot of your financial accounts under one company can be incredibly convenient.</p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/chase-total-checking-and-savings-easy-everyday-banking">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-online-savings-accounts">5 Best Online Savings Accounts</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/4-easy-to-fix-reasons-your-savings-account-isnt-growing">4 Easy-to-Fix Reasons Your Savings Account Isn&#039;t Growing</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/banks-still-offering-free-checking-and-great-interest-rates">Banks Still Offering Free Checking and Savings with Great Interest Rates</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-online-checking-accounts">5 Best Online Checking Accounts</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/8-credit-mistakes-that-could-hurt-your-mortgage-application">8 Credit Mistakes That Could Hurt Your Mortgage Application</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Banking bank reviews chase checking account credit cards savings account Tue, 28 Jul 2015 23:01:36 +0000 Amy Lu 1500568 at http://www.wisebread.com