Credit Cards

Category Archives for Credit Cards.

I Saved $3,000 With Citi Prestige Last Year (and Got a Retention Offer)

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My Citi Prestige card’s $450 annual fee recently posted. I will happily keep it for another year (if only to have Admirals Club access through the end of July 2017).

I’ve dutifully tracked the value I’ve gotten on the Citi Prestige by the Numbers page. But I want to dig into the numbers a little more.

citi prestige worth keeping

Sorry for the selfie, but I needed a pic for this post

I also got an retention offer to earn 7X Citi ThankYou points on $8,750 in spending on airfare, hotels, and travel agencies – which is fine because I book ALL my airfare on this card to take advantage of its industry-leading trip delay and cancelation insurance that kicks in after only THREE hours (better than Chase Sapphire Reserve and any personal Amex card).

Year One by the numbers

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Ameriprise Amex Platinum Card Has No Fee the First Year, Plus $400 in Travel Credit (and Free Lounge Access!)

My friend Angie passed this tip along today, and I must say I was very tempted.

You can pick up the Ameriprise Amex Platinum Card with no annual fee the first year.

Ameriprise Amex Platinum Card

Good deal alert!

For those of you who can’t earn the sign-up bonus on an Amex card, the good news here is there isn’t one – so you’re not missing out on anything.

Plus, now is a good time to apply because the $200 annual travel credit will reset in January 2017.

So you essentially get the card free for a year, plus $400 in statement credits ($200 in 2016 and $200 in 2017).

Why the Ameriprise Amex Platinum Card?

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Honest Review: Chase Ink Preferred 80,000 Point Offer

RIP: Chase Ink Plus was one of the best cards for 5X categories. Yes, you earned 5X Chase Ultimate Rewards points at office supply stores, and on phone, cable, and internet service. And 2X on hotels and gas.

chase ink preferred review

Um, what business is he in? Cuz I’d be all up in it

Chase Ink Plus is gone and in its place… the Chase Ink Preferred. But they nerfed the 5X categories! (And kept them on the Chase Ink Cash, thank gods.)

If you’ve opened more than 5 new cards in the last 24 months from ANY bank, go ahead and stop here. And read some of my other posts. Cuz its unlikely you’ll be approved for this one.

Or get one of these cards, which aren’t subject to the 5/24 “guideline”:

  • Chase British Airways
  • Chase Hyatt
  • Chase IHG
  • Chase Fairmont
  • Chase Marriott Business
  • Chase Ritz-Carlton

If you’re on the prowl for a card to use for your small business, the Chase Ink Preferred is still extremely worthwhile.

The short

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I Imagined a New Premium Chase Card… How’d I Do?

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Back in March, I imagined what a new premium Chase card would look like. By August, we had a new bundle of joy: the Chase Sapphire Reserve.

Are you the premium Chase card of my dreamz?

Are you the premium Chase card of my dreamz?

I had high hopes for such an offering. So I thought it’d be fun to look back and compare what I wanted at the time to what actually came about.

And because my points & miles predictions for 2016 aren’t doing so hot. Oops.

Chase Sapphire Reserve: What it is

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Honest Review: Chase Freedom (With Any Sign-Up Offer)

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Let (Chase) Freedom ring!

I love this card. 5X Chase Ultimate Rewards points on up to $1,5000 in spending per quarter – 7,500 bonus points – in rotating categories? And useful ones to boot? OK!

That’s why I called it the best card for shopping this holiday season

Chase Freedom review

2016 was another strong year for Chase Freedom quarterly bonus categories

This card has been a bastion in my arsenal for years by now. 

And why not? It’s free to keep forever. In fact, it’s my oldest card – I’ve had this account since 2002. So it’s been almost 15 years!

Chase Freedom provides an easy way to rack up an extra 30,000 Chase Ultimate Rewards points per year. That’s worth $300 on its own, which is awesome for a card with no annual fee.

Its power lies in pairing though, so be aware. However, 5% cash back – on its own – is nothing to sniff at, either.

The short

If you spend a lot in the rotating bonus categories, this card is an ace in hand. 

The long

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One Month Left: 3X SPG Points on Plastiq Payments With Starwood Amex Biz Card

Y’all know I love a good opportunity to stack!

Well shiver me timbers and ’tis the season, but I’ve been putting most of my spending these days on… Amex cards?! Yup, even though I recently product changed to the precious Chase Sapphire Reserve.

For regular spending, I’m meeting the minimum requirement on the Hilton Amex (no fee version). And for everything else, I’ve been using my Starwood Amex business card to run payments through Plastiq. It’s just too good of a deal right now.

Here’s why.

Get 3X SPG points on Plastiq payments

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Honest Review: Citi Hilton Visa 75,000 Point Offer

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It’s no secret I’m a Hilton fanboy. I lurve them because they make earning points a breeze. And they actually give you a healthy amount of points for staying at their hotels, unlike Hyatt and Starwood (!).

Are Hilton points inflated? Hell yeah. But so are the earning rates.

Entrance to the Hilton Hawaiian Village in Honolulu

I loved using my Hilton points at the Hilton Hawaiian Village in Honolulu last month

I’ve found good deals with Hilton points, and not because I looked a long time. They’re out there – as with any type of hotel points.

I love the 5th night free perk on award stays when you have any type of status.

And 75,000 Hilton points can be worth over $1,000, as we’ve seen before.

At a bare minimum, there’s no reason why you can’t get $400+ of value from 75,000 Hilton points. Considering the card has no annual fee (and is therefore free to keep), that’s a great deal – and a decent sign-up bonus.

The short

A handy little card with a decent sign-up bonus, if you have a Hilton stay in mind.

The long

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Honest Review: Citi Prestige 40,000 Point Offer

Oh, Citi Prestige. How prestigious you once made me feel. You’re probably still my favorite card overall, but your shine has tarnished since I fell for you in November 2015.

Since then, you’ve returned well over $2,000 in value for me. And you’re still giving.

citi prestige review

My lagan love, Citi Prestige

But, cruel winter awaits. As of July 23rd, 2017, you can’t have my heart any more. I’ll have to take it back. You’re going to change.

Like a trojan horse, Chase unleashed the Chase Sapphire Reserve which now blows you out of the water.

Citi, you were competing so well. What happened? (My guess is they were losing too much dinero.)

The short

A once-great card that’s now only worth it if you have a lot of paid hotel stays of 4+ nights.

The long

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Why I Product Changed to the Chase Sapphire Reserve

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I caved. And called Chase. Asked if they’d let me change my Chase Sapphire Preferred to the Chase Sapphire Reserve. And thankfully, they did.

I’m happy to report I’m now the owner of a shiny new Chase Sapphire Reserve card.

chase sapphire reserve product change

Got itttt

Here’s why I did it.

My Chase Sapphire Reserve Product Change

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[EXPIRED] Hurry! ~$500 Moneymaker on Kitchen Appliances at Kohl’s With Discover It or Freedom

Update 10/4/16: It looks like Kohl’s gift card purchases from the MPX app are NOT coding as department store as expected. Peeps in the comments say it didn’t work with their Chase Freedom cards.

No dice here, either

No dice here, either 🙁

It looks to also be true with Discover It. My purchase coded as “Misc. General Merchandise.” So I lost the 10% cashback and will get 2% cashback instead.

I haven’t heard of this happening before now, so I will gather new data points before I recommend this moving forward. Thanks to all who let me know!

I’m bummed about this, but at least we got the 1,500 United miles (worth ~$30) as consolation. Though I would’ve preferred the cashback.

Update 10/3/16: This deal has expired. I plan on writing about my experience with it – here’s how to keep up with the blog so you’ll get the updates!

Need a little rush this weekend? How about buying $600+ worth of appliances at Kohl’s? 

Last year they had a similar appliance deal I didn’t take part in. But this year I did.

Now before you think I’m crazy (although it may be waaay too late for that), let me explain.

This is a moneymaker if you do it right!

Hat tip to Jill Cataldo for blogging about this and my friend Jas for turning me on to this deal!

Build the deal

I feel like I say this every time I write about Kohl’s, but… it’s no secret I freaking love Kohl’s.

Right now, they have a lot of appliances on sale for $17, including:

Lots of appliances for $17

Lots of appliances for $17

In total, there are 8 kitchen appliances at the $17 price. 

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All of the items have a $12 Visa gift card rebate

And, all of the items linked above are eligible for a $12 mail-in rebate. You get a Visa gift card with a limit of 5 per product.

That means if you buy 5 of all 8 items, you can get 40 X $12 back, or $480.

Right now, there’s also a 15% promo code: SMS1871. And it does work for these items.

When you add all of them to your cart and add the promotion code, the total is ~$625. You also get $110 in Kohl’s cash to spend next week.

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I paid ~$625 for all 40 appliances

Note that taxes in your state might be different than mine! In Texas, the taxes came to ~$48.

And, you must purchase the items by tomorrow, October 2nd, 2016, to qualify for the rebate (here’s the rebate form). Cheers to the weekend!

Stack stack stack

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Honest Review: Amex Starwood Business Card 2 Free Nights Offer

Note: The offer for 2 free nights expires October 19th, 2016, but is valid at the time of publication. 

Well color me surprised. I wasn’t expecting to see any type of limited-time offer on the Amex Starwood cards again. But now we have one, although it’s only on the business version of the card.

And, it’s dumb. Geez, Amex, it’s like you’re on the Titanic, and about halfway across the Atlantic right now…

The short

The most restrictive offer ever on an otherwise so-so card. Either Amex is desperate or thinks we’re stupid… or both. Not worth it for most. 

The long

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