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Chase Sapphire Reserves hotel benefits start with 3 points for every dollar you spend on hotel bookings. Reserve cardholders also receive special perks at the 900+ properties in the Chase Luxury Hotel &am…
Answer by: @janecogli
Amex Platinum Business vs. Personal will generally be a win for Amex Platinum Business, assuming youre a small business owner. The personal Amex Platinum cards strengths are that anyone can get it, a…
Answer by: @janecogli
Amex Everyday vs. Preferred comes down to rewards vs. fees. The Amex EveryDay Credit Card doesnt have an annual fee, while the Amex EveryDay Preferred Credit Card charges $95 per year. But EveryDay Preferre…
Answer by: @janecogli
A contest between Amex EveryDay vs. Chase Freedom will generally end in favor of Amex. Thats because Amex EveryDay gives you 2x rewards on the first $6,000 you spend at supermarkets. While Chase Freedom g…
Answer by: @janecogli
The Chase Freedom foreign transaction fee is 3%. That means the real price of everything you charge to your Chase Freedom Card while traveling abroad will end up being 3% higher than listed. Its not only th…
Answer by: @janecogli
Wells Fargo Platinum Credit Card rewards dont exist. The Wells Fargo Platinum Card doesnt offer points, miles or cash back. But that doesnt mean its bad. Its just not what Platinum was built f…
Answer by: @janecogli
The Amex PRG airline credit applies to the first $100 in fees charged by your designated airline each year. Upon being approved for an account, you will have the opportunity to choose the airline y…
Answer by: @janecogli
The Chase Freedom foreign transaction fee is 3%. That means the real price of everything you charge to your Chase Freedom Card while traveling abroad will end up being 3% higher than listed. It’s not only then, either. Chase Freedom’s foreign fee will also apply if you’re in the U.S. and buy something from somewhere international.
Know what that sounds like? Like the Chase Freedom Card actually restricts the freedom of those with international tastes. Sure, it’s a fine option for domestic use – if you’re into rotating rewards categories, that is.
But you should never settle for foreign fees if you travel or shop internationally. There’s really no reason to when Chase Sapphire Preferred and Reserve are available. Neither charges a foreign transaction fee. And both have the same credit score requirement as Chase Freedom: Excellent. There are plenty of great options from other credit card companies too.
The Barclaycard foreign transaction fee is either $0 or 3% of what you spend, depending on the card. Most Barclaycards have no foreign transaction fee, including Barclaycard Arrival Plus, the AAdvantage Aviator Red Mastercard, and the Carnival World Mastercard. But a few other offers, such as the Choice Privileges Visa Signature Card and the Barnes and Noble Mastercard, add a 3% surcharge to any purchase processed internationally. You definitely want one of the no foreign fee Barclaycards if you plan on traveling abroad or shopping from foreign merchants anytime soon.
Here are the Barclaycard foreign transaction fees:
You’ll want to avoid Barclaycard foreign transaction fees if you spend time abroad, or if you shop internationally. If that’s you, it might be worth opening a credit card specifically for travel. That way, you can focus on avoiding foreign transaction fees and earning travel rewards without making any big tradeoffs in another area.
A contest between Amex EveryDay vs. Chase Freedom will generally end in favor of Amex.
That’s because Amex EveryDay gives you 2x rewards on the first $6,000 you spend at supermarkets. While Chase Freedom gives you 5% rewards on certain purchases, the categories change every quarter, and you have to sign up each time. Plus, you only earn 5% on the first $1,500 in each category.
Amex EveryDay also charges a lower APR for purchases and balance transfers, as well as lower fees. That’s the basic outline, but to accurately compare the two cards you need to see how they stack up in all the major categories.
Here’s the breakdown of Amex EveryDay vs Chase Freedom:
Amex EveryDay vs. Chase Freedom is a win for Amex because of the real-life convenience factor. Chase Freedom might offer a higher rewards-earning rate on paper, but there’s no guarantee that the rotating categories will match your natural spending habits, or that you’ll remember to sign up. Plus, Chase only offers 5% rewards on the first $1,500 you spend. Add in the fact that Amex generally charges lower interest rates and fees, and Amex EveryDay is the clear winner. The only category where Chase Freedom really shines is the initial bonus. It’s $50 dollars higher than the Amex bonus, and you only have to spend half as much to earn it.
The Amex PRG airline credit applies to the first $100 in fees charged by your designated airline each year. Upon being approved for an account, you will have the opportunity to choose the airline you’d like to use from a list that includes all the major U.S. carriers. And you’ll automatically receive your first Amex PRG airline credit within 2-4 weeks after using your card to pay an eligible fee. That includes fees for baggage, pets, lounges, flight changes and more. But the credit doesn’t apply to airfare, seat upgrades or fees not charged directly by the airline.
If the fees on your first airfare purchase don’t add up to $100, you’ll receive additional credits after making subsequent qualifying purchases, until your $100 allotment runs out or the year ends. All in all, the entire process is pretty simple, once you pick your airline. But you’d better pick wisely because you’ll only have one chance to change each year, in January. With that in mind, I’ll take you through the process from start to finish so you don’t miss out on any savings.
Here’s how to get the Amex PRG airline credit:
1. Log into your Amex account from their airline choice page.
2. Choose an airline from the dropdown menu. All the major US providers are included.
3. Click the box agreeing to the terms and submit.
4. Pay for airline fees with Amex PRG.
Amex will do all the rest of the work, crediting you automatically for the first $100 in fees. By the way, the official party line is that airline gift cards aren’t eligible for the credit, but I’ve actually seen several people claiming otherwise. I wouldn’t recommend trying it though, unless you’re already planning to buy one anyway.
There are nine different Chase Sapphire Reserve airline partners. You can transfer points to their frequent flyer programs in increments of 1,000, at a rate of one mile per point. This can be a good option if you already have a lot of miles with a particular airline partner. The one caveat is that not all airlines’ miles have equal value. So some Chase Sapphire Reserve airlines will offer a better deal for your points than others.
Here are the Chase Sapphire Reserve airline partners:
To transfer points to one of Chase Sapphire Reserve’s airline partners, log in to the Chase Ultimate Rewards site, click “Use Points” and select “Transfer to travel partners.” Then click on the loyalty program you want to use, enter your membership information and choose an amount to transfer. Lastly, double-check everything because all transfers are final.
In addition to those airline partners, Chase lets you transfer points to the loyalty programs of four different hotel chains. And of course, you’re not limited to buying flights from the official Chase Sapphire Reserve airline partners. You’ll earn 2 points for every dollar in airfare, on any airline, charged to your Reserve card. And your $300 annual travel credit can cover any type of airfare too.
Amex Everyday vs. Preferred comes down to rewards vs. fees. The Amex EveryDay Credit Card doesn’t have an annual fee, while the Amex EveryDay Preferred Credit Card charges $95 per year. But EveryDay Preferred offers better rewards: 5,000 more initial bonus points, an extra point per dollar spent on gas and travel, and a bigger bonus for frequent use. So it really depends on how much you plan to use your card and what you plan to buy.
Here’s the breakdown for Amex EveryDay vs. Preferred:
BothAmex EveryDay and EveryDay Preferred allow you to redeem points for Amex travel, gift cards and Uber rides. You get one cent per point those ways. Or you can transfer your points to a partner airline’s miles. Transfers are done at a 1:1 ratio, but airline miles values can vary widely.
Assuming you’re redeeming for one of the standard options, you’d only need to spend $3,166 in groceries to make the Amex EveryDay Preferred card worth it. But if groceries, gas, and travel aren’t big spending categories for you, Amex EveryDay is a better way to go.
Wells Fargo Platinum Credit Card rewards don’t exist. The Wells Fargo Platinum Card doesn’t offer points, miles or cash back. But that doesn’t mean it’s bad. It’s just not what Platinum was built for. Wells Fargo Platinum is all about 0% financing and no annual fees. No rewards is actually common for a 0% credit card such as Wells Fargo Platinum, and a low rate will save you a lot more than rewards if you plan to carry a balance from month to month. That’s especially true if you can pay off your balance within a year and a half because Wells Fargo Platinum offers 0% purchases and balance transfers for 18 months. And that’s an uncommonly long time, which perhaps explains why it requires good credit for approval.
So Wells Fargo Platinum isn’t a good credit card for rewards because it doesn’t offer any, at least not in the points, miles and cash back sense of the word. But it provides a number of other attractive perks that can be very rewarding in their own right. So it’s worth exploring these faux rewards in more detail if you have or will have credit card debt.
Here are the top Wells Fargo Platinum Credit Card “rewards”:
So to summarize, no, Wells Fargo Platinum Credit Card rewards are not available. But if you have the good or excellent credit needed to get approved, you will be rewarded with a 0% intro rate for the first 18 months. That’s one of the longest 0% intro periods on the market, making Platinum great for big purchases or balance transfers.
And just because Wells Fargo Platinum doesn’t offer rewards doesn’t mean you can’t earn any if you get it. Using Wells Fargo Platinum for debt and a rewards card for everyday spending is a great way to maximize your savings.
The Barclaycard travel benefits include auto rental insurance, travel accident insurance and no foreign transaction fees. There’s also insurance for baggage delays and interrupted trips. These benefits all come with Barclaycard’s travel star, Arrival Plus. Barclaycard’s co-branded travel cards offer some of these benefits too.
These perks have a high dollar value but come with restrictions that you should be aware of.
Here are the biggest Barclaycard travel benefits:
The Barclaycard travel benefits cover you for mishaps large and small. And those perks are on top of Barclaycard travel rewards. For example, Barclaycard Arrival Plus gives you a 40,000-mile bonus for spending $3,000 in your first 90 days as a cardholder. Plus, you get 2x miles on all purchases and 5% of your miles back when you redeem them for travel.
Amex Platinum Business vs. Personal will generally be a win for Amex Platinum Business, assuming you’re a small business owner. The personal Amex Platinum card’s strengths are that anyone can get it, and an initial bonus just as big as the business version’s (75,000 bonus points) for $15,000 fewer dollars. But Amex Business Platinum is better for most small business owners’ needs. At $450, Amex Business Platinum’s annual fee beats the $550 personal card fee. Plus the Amex Business Platinum card lets you add up to 99 authorized users at no extra cost. Amex Platinum Personal only lets you add 5 free additional card members.
Those are the major differences. But for a complete picture, you’ll want to look at the card details side by side. I’ll lay it out for you below.
Here’s the Amex Platinum business vs. personal comparison:
Amex Business Platinum wins the Amex Platinum business vs. personal contest. That’s especially true for business owners who need to add several employees to their account. The only reason you might choose Amex Platinum is if you plan on using the full $200 Amex Platinum Uber credit and don’t travel enough to get more than $100 out of the Business Platinum redemption bonus. But if that’s the case, you might not want to choose a card geared towards travel in the first place.
The best travel credit card for students is the Bank of America Travel Rewards credit card for Students, thanks to its big initial bonus, extra points for travel, and lack of foreign transaction fees. It’s also easy for students to get because it’s designed with people who have limited credit in mind. The only downside is that it doesn’t come with travel insurance. But it’s also not your only choice when it comes to student travel credit cards.
Here are the best travel credit cards for students:
Any of these cards is a good option for a student travel credit card. You just have to decide whether you want to maximize rewards or other benefits.