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Get a Credit Card Signup Bonus with your Next Big Purchase
Do you have a fairly large purchase requirement on the horizon? Consider applying for a new credit card that offers a generous signup bonus on which you can charge the purchase to soften the blow. If you have excellent credit and don’t plan on shopping for any loans in the next few months, then this might be exactly the right time! The most lucrative benefit a credit card typically offers is its signup bonus. For many consumers, however, the biggest hurdle to earning the bonus is meeting the minimum spend requirement. But if you’re about to buy some new furniture, jewelry or appliance, or you just NEED to have that 70″ flat screen 4k Ultra HD…
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Which Credit Card Should You Get if you Stay at Hilton Hotels
There are well over 4000 Hilton hotels and resorts worldwide, across brands ranging from luxurious (Waldorf Astoria) to moderately priced (Hampton Hotels). With such a large global footprint, travelers will often find a Hilton property to be a convenient and comfortable choice for their lodging. The Hilton HHonors program rewards loyal guests with benefits and the ability to earn points that can be redeemed for free nights and, like most loyalty programs, there’s no cost to sign up. You can also earn HHonors points and elite status from certain affiliated credit cards. We’ll go through the benefits of each one, so you can find the card (or combination of cards) that best…
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What to do with Membership Rewards Points if you Don’t Travel
The best way to achieve the greatest value for your American Express Membership Rewards points is by transferring them to Airline and Hotel travel partner programs. That’s where you can often get more than 1.5 cents per point on flights and rooms, sometimes WAY more. But if you don’t travel, should you shun the American Express cards that earn these points? Not necessarily, as there are other redemption options. Be careful when you redeem your points, as each method gives you different a value for your points–some are downright awful. I’ll go through each one in the order of “Least desirable-don’t do it!” to “Best method in a pinch.” Shopping on Americanexpress.com A prominently…
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Miles and Points Programs Expiration Rules – What You Need to Know
Cash back and rewards points earned in credit card programs like Chase Ultimate Rewards, Amex Membership Rewards and Citi ThankYou Rewards, don’t expire as long as you keep your card open. However, when you transfer those points to your airline frequent flier or hotel loyalty account, they become subject to the terms and conditions of those programs, and may expire if you don’t use them. Flexibility is one thing that makes credit card travel rewards points so valuable–they can be transferred to many different partners at will. As a rule, in order to retain that flexibility, you shouldn’t transfer any more points than you need to book a flight or stay.…
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Do Credit Card Points Expire? Not if You’re Careful
You’ve earned all those credit card rewards points from spending and sign up bonuses, it would be a shame to lose them. The good news is that these points typically don’t expire, but if you’re not careful, you can accidentally forfeit them. Read on to make sure that doesn’t happen. Cash back credit cards are consistent and fairly straightforward: your cash-back credits won’t expire as long as your account is open. If your card has no annual fee, there’s no reason to cancel it… Ever! There is no downside to keeping a free credit card account active–even if you rarely use it–and it will help your credit score at the same…
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