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Chase Sapphire Preferred 50k Bonus Points – How to Use Them Best
For a limited time, Chase Sapphire Preferred is offering an increased sign up bonus of 50,000 Ultimate Rewards points (normally 40,000) after spending $4,000, PLUS another 5,000 points when you add an authorized user and make a purchase. This makes one of Chase’s most popular travel rewards cards even more valuable–if you use the points wisely. Before you even consider applying for this card, it’s important to note that Chase has been denying applications if you’ve had more than 5 new credit cards appear on your credit report in the last 24 months–regardless of your credit score. If someone has added you as an authorized user on their card, that…
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Credit Card Annual Fees: Are They Worth It?
There are those who would never apply for a credit card that charges an annual fee. Why pay when there are so many other cards that don’t charge one? A valid question, and the answer depends on your spending and lifestyle habits. As you’ll see below, in some cases, those fees could be well worth paying. Annual fees can top out at over $400 for some premium credit cards, but they can include access to airport lounges such as American Airlines, Delta, or United. These private lounges offer travelers free food, snacks, complimentary beverage service, comfortable seating, free WiFi, clean facilities, and other luxurious perks not available to the general public. If you fly frequently…
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Chase Freedom Ultimate Rewards vs Sapphire Preferred Ultimate Rewards: Know Your Points!
When it comes to getting the most out of your Ultimate Rewards points, it’s essential to know which points you have, so that you can determine if you’re redeeming them for the highest possible value. I’ll explain the differences to make sure you’re not leaving money on the table. Chase has two flagship credit cards: Freedom and Sapphire Preferred. Every dollar you charge to these two cards earns you points in the Ultimate Rewards program. While each card shares the “Ultimate Rewards” name, there are important differences in how you can redeem your points. Chase Freedom Ultimate Rewards There 6 ways you can use the Ultimate Rewards (UR) points that…
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Chase Freedom: A Cashback Card with a Twist
Still can’t decide between cashback or rewards credit cards? The Chase Freedom is a great card for those just starting out. This card gives you the “freedom” to make your cashback/rewards choice at a later date. And, right now is a great time to apply for the card. The sign-up bonus has been temporarily increased to $150 (normally $100) and between now and December 31, 2015, you’ll earn 10% instead of 5% cash back at Amazon, Zappos, Audible, and Diapers.com. Ultimate Rewards While Chase calls Freedom a cash back card, it actually earns Ultimate Rewards (UR) points that you can later exchange for cash. There’s actually two types of UR…
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Cashback vs Rewards Credit Cards
Do you dream of luxury travel, flying in first class and staying in expensive hotel suites–and doing it all for free? Or do you prefer cold hard cash? Ok, I know… you like both! Who doesn’t? But when you start looking for the right credit cards that will give you the best rewards for your own personal spending habits, it’s best to focus on only one type: cashback or rewards. There are countless credit cards out there, all different and each competing for your spending. You certainly can’t apply for all of them, and you shouldn’t apply for any of them without doing your research first. There are cards that,…
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