• Amex Business Platinum 110k MR Bonus Offer
    Credit Cards

    Amex Biz Platinum 110k Signup Bonus Offer via Referral

    I’m seeing some 110,000 Membership Rewards points signup bonus offers for the Business Platinum Card from American Express this morning. The welcome bonus is usually 85,000 MR points. You can earn this bonus after spending $15,000 on eligible purchases with the card in the first 3 months. The welcome offer is not available to applicants who have or have had this card in the past. So if you’ve never had the Amex Business Platinum before, now would be a great time to apply. Getting the 110k Point Offer Getting this offer requires some effort. You need to use someone’s referral link (feel free to try mine if you don’t have…

  • new metal platinum card
    Credit Cards

    Amex Platinum Adds New $30 Monthly Paypal Credit

    American Express Platinum Cardmembers can now receive up to $30 per month in PayPal credits through June, 2021. That adds up to $180 in new value from the $550 premium travel card. The credits are automatic, there’s no need to register or activate your card. During the pandemic with customers reduced travel, banks have been adding temporary benefits to their premium credit cards. The Platinum Card from American Express continues that trend. All you need to do is add your Amex Platinum card as a payment method to your PayPal account. Then shop at a merchant that accepts PayPal and check out by clicking the PayPal button. Make sure the…

  • Chase Freedom Flex Credit Card image
    Credit Cards

    Chase Freedom Flex Q1 2021 Bonus Categories

    The Chase Freedom and Freedom Flex credit cards earn 5% cash back in bonus categories that change each quarter. The categories for the 1st quarter of 2021 have just been announced. Earn 5% cash back on up to $1,500 in combined purchases from January 1 – March 31, 2021 in the following categories: Wholesale Clubs including BJs, Costco, Sam’s Club, and Texas Jasmine. Gas, fuel, wholesale specialty service purchases such as travel, insurance, cell phone and home improvement are excluded. Internet, Cable, and phone services Select streaming services, including Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, YouTube TV As a reminder, with Freedom and Freedom Flex, you need to…

  • confusing math formulas on a blackboard
    Credit Cards

    9 Things to know about the Chase 5/24 rule

    I had a recent exchange with someone claiming to have been approved for the Chase Freedom Unlimited despite being at 5/24. As it turns out, he was only 4/24, and that’s why he wasn’t declined. How could it be so hard to count to 5? Well, Chase’s 5/24 rule is not so straightforward. In fact, it’s downright confusing. It can make a reasonably intelligent person have trouble counting to 5. In this post, I will explain 9 of the most confusing concepts of the 5/24 rule, including the reason that the Freedom Unlimited application I mentioned above was approved. What is the Chase 5/24 Rule? If you want a full…

  • Credit Cards,  Travel Rewards

    Primer on Chase Sapphire Reserve $300 Travel Credit

    Update: Due to the lack of travel during the COVID-19 pandemic, Chase has extended the ability to apply the travel credit to purchases at grocery stores and gas stations through June 30, 2021. The annual $300 Travel Credit is easily the most lucrative benefit of the Chase Sapphire Reserve card. Questions about what it covers and when it resets have been plentiful. It’s important to understand the benefit to know if and/or when you should apply. Fully monetizing the credit each year will effectively reduce the annual fee of the Sapphire Reserve from $550 to a net $250. You can receive this benefit twice in the first year of holding…

  • Cruise Ship view from beach
    Travel Rewards

    Booking Cruises with Chase Ultimate Rewards Points

    Chase Ultimate Rewards points are a versatile currency. Much has been written about transferring them to travel partners and redeeming them for flights and hotels. Another great choice is to redeem them for a cruise. I freely admit that cruises aren’t for everyone. If you’re still reading, I suspect you might enjoy them. For those that do, it’s a great way to redeem a stash of Ultimate Rewards points. Since cruise fares include meals and entertainment, and many packages include drinks, gratuities and credit to use on board, you’re effectively using points to pay for your entire all-inclusive vacation. The Value of Ultimate Rewards Points There are currently 7 available…

  • Amtrak World MasterCard Image
    Credit Cards

    Amtrak Doubles World Mastercard Signup Bonus for Limited Time

    Update: If you start to book a fare on, when you get to the payment page, there is a better offer: 40,000 bonus points PLUS $100 statement credit. You don’t need to go through with the booking. H/T to DoC. For a limited time, Amtrak is offering 40,000 Guest Rewards points as a signup for its World Mastercard. This is double the usual 20,000 points, though the spending requirement is $2,500 (instead of $1,000) in the first 3 months. It’s a great deal for those who travel using Amtrak. Each Guest Rewards point is generally worth 2 to 2.5 cents. That makes the increased signup bonus worth around $800 to $1,000…

  • Hilton Hotel Image
    Credit Cards

    Limited Time Offer: 130k Honors Bonus Points with Amex Hilton Surpass Card

    For a limited time, earn 130,000 Hilton Honors Signup Bonus Points and a Free Weekend Night Reward after you spend $4,000 in purchases in the first 4 months on a new Hilton Surpass Card. This offer ends 8/28/2019. Normally, the card offers 100,000 Bonus Points for new accounts: 75,000 after you spend $2,000 or more in the first 3 months and another 25,000 after you spend an additional $1,000 in the first 6 months. The regular Free Weekend Night Reward is still a benefit of the card after $15,000 in purchases on the card in a calendar year. Now you receive an additional reward night as part of the signup…

  • Close Platinum Card - Yes or No
    Credit Cards

    Rethinking My American Express Platinum Card

    I’ve held some version of the Platinum Card from American Express for longer than I’d care to share. I have been consistently getting much more value in benefits than what I paid in annual fees. Now, I’m not so sure. Cost Lets start with the cost. For the last 3 years, I’ve paid no annual fees for the card. I’ve been cycling through the Ameriprise version which waived annual fees for the first year. That included up to 3 additional cardholders, which I took advantage of. Achieving value is easy when the cost is $0. Prior to that, I had a regular Platinum card but, due to some glitch, I…