Have been to 36 countries and counting! I love going on trips with my husband and three adorable kids.
I have been blessed to be able to travel so much, but I'm still a working woman. In fact... that's a good part of the reason why I can travel so much! I was in the finance world for a little but no work for a vendor to a financial company. I picked up some tricks of the trade back in the day, though. It's hard, but I try to be disciplined and put them to use.
I use a separate bank account for each of my trips. I've found it really helps with setting goals and keeping everything on track. I also have different account for the kids, and the goals we have for them as well, like college or summer camp. And then we have yet another savings account for retirement! I could go on and on, but I think you get the picture :)
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The card stocks a lot of features for all things JetBlue, including lots of bonus points, free checked bags, in-flight discounts and 10% of your points back each time you redeem TrueBlue points.
Answer by: @globetrotter4li
Yes if you regularly travel with a particular airline. Remember that cards from major airlines typically charge an annual fee so whether you should get one depends on whether the value you get from the …
Answer by: @globetrotter4li
Pretty good. If you are dissatisfied with an item you purchased with your card and the merchant will not accept the return, Return Protection will reimburse you for the cost of the item. Just remember to make …
Answer by: @globetrotter4li
Your credit line will be determined by Capital One when they review your application and your ability to pay. That being said, the minimum credit line you will receive is $2,000.
Answer by: @globetrotter4li
You must be thinking of another card, because this one never offered 4% cash back nor does any other Discover card for that matter. It offers the same 2% rate on all purchases.
Answer by: @globetrotter4li
Yes it is! You get the 0% introductory APR for 15 months on balance transfers with absolutely no balance transfer fee. Pretty sweet!
Answer by: @globetrotter4li
The balance transfer fee is 3% (a minimum of $5). In your case, that will be $150.
Answer by: @globetrotter4li
When checking out online, you first have to submit your shipping information, i.e., address and other contact info, after which you will be prompted to choose the payment method. If you pay with your Macys …
Answer by: @globetrotter4li
Yes, the annual fee you will get can be either $0, or $59, or $75 the first year and $99 after, depending on your creditworthiness.
Answer by: @globetrotter4li
If you're talking about the security deposit, the minimum is $200.
Answer by: @globetrotter4li
You have to wait for a year after you got the card. If that's the case, just call them at 800-642-4720, and request a limit increase. If they do approve you for a higher limit, you'll have to add more money in…
Answer by: @globetrotter4li
That depends on when you were approved, but you will get it at least 21 days before the due date.
Answer by: @globetrotter4li
It pretty much depends on how you make your payment. If you pay online, it's gonna be about a business day or two before your available balance goes back up.
Answer by: @globetrotter4li
Yeah, there's also a fee, $10 minimum. It's usually 5%, and a 26% interest on the amount that you take out.
Answer by: @globetrotter4li
Yeah, it's like checking your account from their website, but you can do it faster, streamlined and stuff.
Answer by: @globetrotter4li
Nope. They used to do only Amex cards, now they're Visa only.
Answer by: @globetrotter4li
If you get approved, your guaranteed is 500, but that's like the absolute minimum. Most people get at least double that.
Answer by: @globetrotter4li
You might get away with a 660, but if you want to make sure you'll be approved, I highly recommend you get your score at 700 or more before applying.
Answer by: @globetrotter4li
Yeah, only one, but you can use any Visa at a Costco, you don't need to apply for their branded card. It's a pretty good card, but it's got pretty high requirements.
Answer by: @globetrotter4li
Nah, as long as you keep your account open, and in good standing, points don't expire.
Answer by: @globetrotter4li
You can transfer points from a Chase Sapphire, Sapphire Preferred or Sapphire Reserve credit card to one of Chase’s seven airline partners or simply book a flight on any major airline with points through the Chase Ultimate Rewards website. In other words, there are some official Chase Sapphire airline partners, but most any airline you’ll want to fly on qualifies unofficially.
Here are the official Chase Sapphire airline partners:
You can transfer your Chase Sapphire points to any of these airline loyalty programs at a 1:1 ratio. That means 1 Sapphire point for 1 partner mile/point. But you can only do so in 1,000-point increments.
Transferring your earnings to an official airline partner isn’t the only way to turn Chase Sapphire points into airfare, though.
Here are your other Chase Sapphire airline purchase options:
1. Redeem Points Through Chase Ultimate Rewards. You can book flights on pretty much any major airline directly through the Ultimate Rewards portal. This option also allows you to charge part of the flight to your card if you don't have enough points to cover the full fare.
2. Get Cash Back.You can redeem your Chase Sapphire points for a statement credit and use the savings to pay for your plane ticket, wherever you book it. Bear in mind that you need at least 2,000 points to redeem for cash, and your points would be worth 25% more if you redeemed them for travel through Chase Ultimate Rewards, so I definitely wouldn’t recommend this method.
Finally, the most obvious of your options doesn't really involve rewards. But it's nevertheless worth noting that all three Chase Sapphire cards can be used to purchase airfare directly from airlines, travel-comparison sites, etc. Besides, paying for a plane ticket could help you reach one of the Sapphire cards' initial spending requirements, thereby earning you a lucrative initial bonus.
Just about. Mastercard and Visa are the giants in this business, so they both have their logos plastered almost everywhere a card's accepted. That's why it's a good idea to have one of each.
<p>In terms of selecting a specific card, you can check out unsecured options here: <a href="https://wallethub.com/credit-cards/bad-credit-unsecured/" rel="nofollow" target="_blank"><u>https://wallethub.com/credit-cards/bad-credit-unsecured/</u></a>), and the Credit One Visa in particular is pretty decent (<a href="https://wallethub.com/d/credit-one-credit-card-676c/" rel="nofollow" target="_blank"><u>https://wallethub.com/d/credit-one-credit-card-676c/</u></a>). But even decent is expensive when it comes to unsecured credit cards for people with bad credit, and your annual fee could be as high as $75 the first year and $99 thereafter, so you may also want to consider the Capital One Secured MasterCard (<a href="https://wallethub.com/d/capital-one-secured-credit-card-383c/" rel="nofollow" target="_blank"><u>https://wallethub.com/d/capital-one-secured-credit-card-383c/</u></a>), which has the potential to be “partially secured,” providing a credit line as high as $3,000 for a deposit as low as $49.</p><p><br /></p><p>We also recommend signing up for a free account with WalletHub: <a href="https://wallethub.com/free-credit-score/" rel="nofollow" target="_blank"><u>https://wallethub.com/free-credit-score/</u></a> . </p><p>WalletHub is the only website that offers free credit scores and full credit reports that are updated on a daily basis, which will help you track your credit-improvement progress. Hope this helps! </p><p><br /></p>
Yes, the Chase Sapphire rental car insurance is very good. When you pay for a rental car with your Chase Sapphire, Sapphire Preferred, or Sapphire Reserve card, you are covered against collision damage and theft. Chase will pay out up to the cash value of the car you rented, depending on the situation. And coverage is completely free. You don’t even need to sign up. Just having a Sapphire card, using it to pay for your rental, and declining the rental agency’s supplemental insurance is enough.
But as you might expect, there are a few exceptions. The biggest have to do with the type of car you rent and where you drive it.
These types of vehicles are not covered by Chase Sapphire rental car insurance:
But the vast majority of cars are eligible. If it’s not on the exceptions list, you should be good…assuming you handle your rental responsibly, that is. Most of the situations that are excluded from coverage relate to things you shouldn’t be doing.
Chase Sapphire rental car insurance will not cover:
There’s more, if you want to read the full rental car insurance portion of the Chase Sapphire benefits guide. I know I won’t be doing that again anytime soon. But it’s good to know what’s covered and what isn’t.
Just take it from @annaq2, who said: “Our accident was in England, but Chase still covered it. Chase card services were quick with communication, and although it took a little while to sort, they paid us back within 3 weeks of the charge to our credit card. It's miraculous to me that a credit card company actually stood behind one of their insurance benefit claims.”
I think that last line really sums up how worthwhile Chase Sapphire rental car insurance is. And filing a claim really does seem to be easy.
Here’s how to file a Chase Sapphire rental car insurance claim:
1. Call the Chase Sapphire Benefits Administrator within 60 days of the incident. They can be reached at 1-888-320-9961. They’ll ask you to describe the basics of the incident so they can sent you the appropriate paperwork.
2. Complete the claim form within 100 days of the incident. You’ll also have to provide any other materials Chase requests, like the rental agreement, police reports, and photographs of the damage.
3. Wait for Chase’s decision. If they agree your claim is valid, they should pay the claim within 15 days of receiving and approving it.
So, the next time you rent a car with your Chase Sapphire card (or Chase Ultimate Rewards points), I recommend you decline the renter’s insurance offer. Chase Sapphire rental car insurance is all you need in most situations.
No, there is not a Chase Sapphire Preferred authorized user fee. You can add as many authorized users as you want to your Chase Sapphire Preferred account, and neither you nor your authorized users will have to pay any extra money. You’ll only be responsible for the one $95 annual fee that comes with the card ($0 the first year) – the same fee you’d pay if you had no authorized users.
This is another reason why Chase Sapphire Preferred is one of the best rewards credit cards around. Other high-end rewards cards do have authorized user annual fees. They’re usually a lot lower than the main accountholder’s annual fee and are meant to offset some of the rewards an authorized user might earn. But still, it’s not ideal. For example, the Chase Sapphire Reserve Card has a $450 annual fee for the main accountholder and a $75 annual fee for each authorized user.
Chase Sapphire Preferred actually does things the other way around. They actually pay you for adding an authorized user. You’ll earn 5,000 bonus reward points when you add an authorized user and that person makes their first purchase within three months of account opening. That’s worth $62.50 in travel costs through Chase Ultimate Rewards, or $50 cash.
One downside to adding an authorized user is that you’re responsible for their purchases, but if they behave irresponsibly you can dispute the charges with Chase. In addition, authorized users take up some of your credit line, so keep an eye on your utilization. But in general, adding an authorized user to Chase Sapphire Preferred is a big plus.
Please note that the Capital One® Spark® Cash for Business credit card is designed for business owners with excellent credit scores. Thus, if you and your partner have excellent credit you can apply for this credit card. If not, you could consider the Spark® Classic for Business which is designed for business owners with fair credit or no credit history at all. Please find more details here: https://wallethub.com/d/capital-one-spark-classic-89c/. Hope this helps!
The Chase Sapphire Preferred Credit Card offers a 50,000-point initial rewards bonus to new cardholders who spend at least $4,000 within three months of account opening. But that doesn’t mean a whole lot by itself, considering how much credit card points vary in value. To put things in dollar terms, your 50,000 Sapphire Preferred bonus points are worth $500 in cash, if you opt for a statement credit. And you can get 25% more – $625 in total – if you redeem your points for travel through Chase Ultimate Rewards. This means using your points for things like airfare, cruises and hotel reservations. It takes six to eight weeks for your bonus to show up in your account, so don’t stress if you don’t see it right away.
Understanding the value of this bonus is key to fully appreciating what Sapphire Preferred brings to the table. I mean, its $95 annual fee (starting the second year) doesn’t seem so high when you consider that the initial bonus basically has you covered for at least seven years. Not too shabby.
The Chase Sapphire Preferred bonuses don’t stop there either. You’ll get 5,000 bonus points ($62.50 in travel) if you add an authorized user (and that person makes a purchase) during the first three months your account is open. There’s a referral bonus too: 10,000 bonus points ($125 in travel) for each friend you invite to apply for Chase Sapphire Preferred who opens an account. You can earn up to 50,000 points ($625 in travel) per year that way. Just go to Chase’s refer-a-friend website to get started.
All of these bonuses are a big reason why Sapphire Preferred is considered one of the best credit card deals around. And they help explain why you need excellent credit to get it.
<p>Yes, there are. The following cards don’t require a bank account, as all three allow you to fund your deposit via money order:</p><p><br /></p><p>OpenSky Secured Credit Card: <a href="https://wallethub.com/d/credit-card-503c/" rel="nofollow" target="_blank"><u>https://wallethub.com/d/credit-card-503c/</u></a> </p><p>Harley-Davidson Secured Credit Card: <a href="https://wallethub.com/d/harley-davidson-secured-credit-card-444c/" rel="nofollow" target="_blank"><u>https://wallethub.com/d/harley-davidson-secured-credit-card-444c/</u></a> </p><p>Wells Fargo Secured Credit Card: <a href="https://wallethub.com/d/wells-fargo-secured-credit-card-2123c/" rel="nofollow" target="_blank"><u>https://wallethub.com/d/wells-fargo-secured-credit-card-2123c/</u></a> </p><p><br /></p><p>Best wishes on rebuilding!</p><p><br /></p>
Capital One Spark Cash for Business is one of the best options, as it offers a range of business benefits such as year-end summaries, employee cards at no extra cost and experienced small business customer service.
Plus, it offers 2% cash back on every purchase and a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months.
You can also compare other business credit cards at: https://wallethub.com/best-business-credit-card/.
