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The best credit card for Airbnb is the Capital One Venture Rewards card. Youll earn 2 miles per $1 spent on Airbnb, plus all other purchases. Capital One Venture also counts Airbnb stays as travel expenses,…
Answer by: @lawrence50
A Bank of America Preferred Rewards client is someone who averages at least $20,000 in a Bank of America checking or savings account or Merrill Edge brokerage accounts. That includes IRAs. Bank of America Pref…
Answer by: @lawrence50
The best Delta credit card for companion tickets is the Platinum Delta SkyMiles Credit Card, which gives you one Domestic Main Cabin round-trip companion certificate each year. Or you can opt for the Delta Res…
Answer by: @lawrence50
You could get approved for a credit card with a $20,000 limit if you have excellent credit, a lot of income, and very little debt. But there are no credit cards with $20,000 limits guaranteed as a minimum. The…
Answer by: @lawrence50
Some people might say the best credit card for a Disney vacation is the Disney Premier Credit Card from Chase. You get a $200 statement credit for spending $500 in the first 3 months. And you earn 2% in Disney…
Answer by: @lawrence50
You dont need to get a European credit card before visiting Europe. But you may need to bring a Visa or Mastercard, depending on your specific destination. Visa and Mastercard are both a…
Answer by: @lawrence50
There is no USAA credit card foreign transaction fee. In the past, some USAA credit cards charged a 1% foreign transaction fee on some of its cards, but USAA made all of its cards no foreign fee in 2016. Tha…
Answer by: @lawrence50
Discover and Capital One credit cards have a few differences between them. Discover cards are not as widely accepted as Capital One, particularly outside of the U.S. Capital One cards are backed by either the …
Answer by: @lawrence50
The best travel credit card with no annual fee is Capital One VentureOne. Not only does it have a sizeable initial bonus (20,000 points for spending $1,000 in the first 3 months), but it also gives you 1.25 miles per $1 spent (on nearly all purchases). The only exception is if you book your hotel stays through hotels.com/venture, which gets you 10 miles per $1. There’s also a 0% APR on purchases for the first 12 months, and no foreign transaction fee. If you don’t want to pay for the privilege of having a travel card, this one is good all around.
But VentureOne is far from the only travel card on the market with no annual fee. You’ll find lots of other good options, like Bank of America Travel Rewards, Discover it Miles and the Expedia+ card from Citi.
Here are the best travel credit cards with no annual fee:
These are the no annual fee credit cards with the best travel-specific rewards. But other types of rewards cards with no annual fee could still be useful for travel. For example, Capital One SavorOne doesn’t have a foreign transaction fee or an annual fee, and it offers a $150 bonus for spending $500 in the first 3 months, plus 3% cash back on dining.
There is no USAA credit card foreign transaction fee. In the past, some USAA credit cards charged a 1% foreign transaction fee on some of its cards, but USAA made all of its cards no foreign fee in 2016. That means you’ll never pay extra for purchases processed by a foreign-based merchant.
USAA credit cards are designed for U.S. military personnel and their spouses and adult children. The decision to discontinue foreign transaction fees was made to reduce the costs for servicemembers making purchases abroad.
Here is some additional information on USAA credit card foreign transaction fees:
Military servicemembers and their families stationed abroad are the biggest beneficiaries of no foreign transaction fees on USAA credit cards. Even at the previous 1% rate, all those additional fees tacked on to everyday purchases begin to add up over time.But USAA isn’t the only credit card company to not charge foreign transaction fees on any cards – they’re joined by Discover and Capital One.
Two good USAA credit cards for international travel are the Rewards American Express and the Cashback Rewards Plus American Express. With the Rewards American Express, earn 2,500 points after your first purchase. You’ll also get 3 points per $1 on dining and 2 per $1 on gas and groceries. Along with a $150 bonus for spending $500 in the first 90 days, the Cashback Rewards Plus gives you 5% cash back on your first $3,000 in gas and military base purchases per year and 2% back up to $3,000 at supermarkets each year.
Chase Freedom benefits include a $150 bonus when you spend $500 in the first 3 months and a 0% intro APR for 15 months. There’s also no annual fee and you can earn 5% cash back in quarterly bonus spending categories.
But Chase Freedom benefits aren’t all about rewards and financing. You get several great consumer protections, too. For example, you get four types of travel insurance. And you get extended warranties and purchase protection for items you buy with your Freedom card. All of these Chase Freedom benefits come free with the card.
Chase Freedom card benefits don’t include anything particularly unique, like airport lounge access or a concierge service. But for a card with no annual fee, the existing Chase Freedom benefits are pretty good. And these benefits apply to the Chase Freedom Unlimited card as well, a very similar card that offers a flat cash back rate instead of bonus categories. You will need excellent credit for approval for either Chase Freedom card to take advantage of all these great perks.
Here are the Chase Freedom benefits:
There are certainly a lot of Chase Freedom benefits. You should take advantage of as many as you can to get the best possible value out of your Freedom card.
Your options for instant credit card approval and use with bad credit are limited to the Capital One Secured Mastercard and the Fingerhut Credit Account. You may get instant approval (not guaranteed) with pretty much any credit card you apply for online, including those two, the Credit One Bank Platinum Visa and Discover it Secured, all of which are good cards for bad credit. But credit cards that allow instant use are very rare. And almost all of them require fair or better credit for approval.
Capital One Secured gives you a good chance of instant approval because it’s a secured card, meaning you put down a deposit which serves as your credit line. Because of this collateral, even people with a bad credit score can be approved. If you apply and you’re instantly approved, you’ll then be asked to fund the deposit, which could be $49, $99, or $200. Regardless, your credit line will start at $200, so it’s possible for your spending limit to be higher than your security deposit. Once you decide how much you want to deposit (up to a total of $1,000 allowed), send the funds right away.
You can use your card as soon as your security deposit transfers. Unfortunately, it typically takes a few business days for this to happen. But at least it’s better than waiting two weeks for the card to arrive. Before you can use your card, you’ll need to take these steps:
If you’re willing to limit your spending to one retailer, you could try applying for a Fingerhut Credit Account. Fingerhut advertises that most applicants find out their status in minutes. And if you’re approved, you can begin making purchases the same day. Fingerhut sells all kinds of products from a variety of popular manufacturers, but you won’t be able to use the card anywhere else.
There are plenty of other credit cards for bad credit you can get instantly approved for, but you’ll always need to wait 7-10 business days to receive the card by mail. That’s not all that long to wait though, so you might want to consider shopping around.
There are several easy approval business credit cards. That’s because the easiest business credit cards to get only require fair or bad credit. They include Capital One Spark Classic for Business, the Staples Business Credit Card, and the Wells Fargo Business Secured Credit Card. It’s also worth noting that while you must have a business to get one of these cards, your personal credit history matters a lot more than your company’s.
Here are your options for easy approval business credit cards:
You’ll get 2% cash back on the first $1,000 you spend at gas stations and restaurants each quarter. You’ll get 1% cash back on all other purchases. Discover matches the cash back you earn the first year. There’s no annual fee, the APR is 24.24%, and the minimum deposit is $200.
There are a few easy approval business credit cards, so you shouldn’t let limited or damaged credit prevent you from getting the card your business needs. And remember, if you pay your bills on time and keep your credit utilization ratio low, your credit should steadily improve over time.
Discover card benefits include travel insurance, purchase protection, and auto rental coverage. But the biggest benefit right now is the fact that Discover will match all the rewards you earn in your first year.
Those are all universal Discover Card benefits, which means you’ll get them with any Discover credit card you have or apply for. Some cards also give you other perks on top of that.
Here are the biggest Discover Card benefits:
All Discover card benefits listed above are available across all Discover cards. But the same can’t be said for their rewards. For example, Discover it offers 5% cash back on certain purchases, while the Discover it Miles travel card gives you 1.5 miles per dollar spent.
Since the cards all share the most significant Discover card benefits, you can shop for the rewards program that fits your lifestyle without worrying about missing out.
The Amex Platinum Delta benefits include baggage, auto rental, and travel accident insurance. You also get perks at the airport: free checked bags, discounted Delta Sky Club access, and in-flight savings.
Since it's an airline credit card, most of the Amex Platinum Delta benefits are related to travel. To see if they’ll fit well with your lifestyle, read the full details below.
Here are the top 10 Amex Platinum Delta benefits:
1. Travel accident insurance: For flights, cruises, and other commercial transit methods, you and immediate family are covered up to $100,000 for serious injury or death on board. You just need to pay for the trip with you Delta Platinum card to activate coverage.
2. Baggage insurance: If you pay for your flight with a Delta Platinum Amex, you and your immediate family are covered for lost and stolen luggage. You get $1,250 for carry-on luggage per person, and $500 for checked luggage.
3. Car rental insurance: If a car you rented with your Delta Platinum Amex card suffers theft or damage, you’re covered up to $50,000. Your auto rental insurance covers repairs or the cost of the car. To active it, just decline to buy the rental company’s insurance
4. First checked bag free: When you book a flight with your Delta Platinum Amex card, you and up to 9 people on your reservation get the first checked bag free.
5. Delta Sky Club access: Delta Platinum members get access to Delta Sky Club airline lounges for $29 per visit. A normal single-visit pass costs $59.
6. Inflight savings: On Delta-operated flights, Delta Platinum card members save 20% on in-flight food, beverages, and headphones. You’ll get your discount as a credit posted to your account.
7. Priority boarding: Card members get to board with Zone 1 on all Delta flights.
8. Extended Warranty: You can get up to one extra year of warranty on items purchased with your Delta Platinum card. You can be reimbursed for up to $10,000 per item, and up to $50,000 per year.
9. Purchase protection: If something you purchased with your Delta Platinum Amex card gets damaged or stolen within 90 days of purchase, you could be eligible for up to $1,000 in reimbursement.
10. Return protection: If you want to return something you bought with your Delta Platinum card and can’t, Amex may refund you up to $300 per item.
Several Amex Platinum Delta benefits make your flight more enjoyable, while others provide peace of mind about purchases. But the most valuable benefits are the different types of travel insurance Amex Delta Platinum offers. That’s one of several reasons this card makes the most sense for a frequent Delta flyer.
The main Best Buy credit card requirements are a fair or good credit score and some form of income. You also need to be at least 18 years old and have both a U.S. address and an SSN. But the requirements for the Best Buy Store Card, which you can use only at Best Buy, aren’t as strict as those for the Best Buy Visa, which you can use anywhere. For example, you’ll need a 640+ credit score for the Store Card but 700+ for the Visa.
Exactly what Citi, the issuer, looks for isn’t public knowledge, of course. But you can at least work on improving the major things that matter most before applying.
Here are the Best Buy credit card requirements:
Overall, the Best Buy credit card requirements aren’t too bad if you’re just looking to get the Store Card. The average person should be able to meet them. The Best Buy Visa, however, is quite a bit harder to get.
There aren’t any places specifically designated as “Chase Freedom grocery stores.” In a sense, all grocery stores and supermarkets are Chase Freedom grocery stores because you can use the card at all of them. But Chase Freedom isn’t one of the several cards that always gives you bonus rewards at grocery stores, at least certain types. Every quarter, Chase offers 5% cash back on your first $1,500 spent in a new set of bonus categories. Grocery stores has been a category in the past, and it included everything but superstores like Walmart and Target. Grocery stores aren’t among the current Chase Freedom bonus categories, however. They aren’t even on Freedom’s bonus category calendar, which is set through March.
Here’s how to earn cash back at Chase Freedom grocery stores:
If grocery rewards are really what you’re after, you should probably set your sights on another credit card. There are too many cards that always reward you on groceries to wait around for a Chase Freedom bonus category that may never come. In particular, be sure to check out Amex Blue Cash Everyday, PenFed Platinum Rewards and the Costco Anywhere Visa.
There aren’t any 10% cash back credit cards, at least none offering that much back on all purchases. But you can get 10% cash back from some credit cards in specific spending categories or thanks to promotional offers. For example, the NHL Discover it cards give you 10% off ShopNHL.com and NHL.TV purchases. Discover it Cashback offers 5% back in certain categories, plus doubles your rewards the first year, which works out to 10% back. And cards with initial rewards bonuses give you well over 10% back early on. Spending $500 for $150 cash back, for instance, would be 30% back. And you can get that from Capital One Quicksilver, Chase Freedom, Amex Blue Cash Everyday and a few others.
In terms of more consistent cash back rates, the highest you’ll find is Amex Blue Cash Preferred’s 6% cash back on your first $6,000 in supermarket purchases per year. And if you want a high rate on all purchases, the best you’ll do is Citi Double Cash, which gives you 2% cash back when you pay your bill in full.
Here are the highest cash back earning rates:
As you can see, the highest cash back rates all have caps, but always provide you with a base 1% earning rate. Also note that some of the cards have categories that change every quarter, and others have ones that stay the same. Depending on what types of purchases you make most often, certain cards may have more appeal than others. Cards with lower but unlimited rates, like Citi Double Cash, can often give you more value in the long run.