Otherwise you shouldn’t have any problem explaining the mileage game to a mortgage officer in case they ask why you have so many lines of credit. In fact if you are using your credit wisely your score should be excellent even if you do open lots of credit cards, which will mean you’ll get the lowest possible interest rates. … [Read more...] about Building Credit And Credit Card FAQs: Your Questions Answered
Credit card reward points
Frankly AMEX dispute resolution may be too good. I had one person dispute the $13 they paid for on an AMEX to attend a DansDeals seminar (the full proceeds of which were donated to charity). When I asked the attendee why they disputed the charge they said that they just didn’t recognize the charge, so they disputed it. He called AMEX right away to drop the dispute, but by that point it was too late and they refunded him the money and I got hit with a chargeback fee on money I had already donated. … [Read more...] about Just How Amazing Are AMEX Credit Card Protections?
If I want to stay in a 5 star Park Hyatt in the Maldives, Melbourne, NYC, Paris, Sydney, or Tokyo that would cost over $1,000/night, I can instantly transfer 30K points to Hyatt to do that, a value of 3 to 6 cents per point. If you earn 5 points per dollar and each points is worth 5%, that’s like getting a 25% rebate on your purchase! If I need a one-way flight from Cleveland (or Chicago, Detroit, Miami, Montreal, Orlando, Pittsburgh, Toronto, etc) to NYC that can cost $500 each way, I can instantly transfer 7.5K points to British Airways to book a short-haul on American with no last minute booking fees. Or if American doesn’t have availability I can instantly transfer 10K points to United for their short-haul award. That’s a value of up to 7 cents per point. If I want to stay in a non-chain hotel that costs $300/night and don’t want to pay cash, I can redeem 20K points for the room thanks to my Sapphire Reserve card’s minimum … [Read more...] about This Is Why You Should Have A Chase Ink Cash Card: Earning 5 Ultimate Rewards Points Per Dollar On Amazon And Everyday Spending
Several services popped up that managed to quickly kill this widespread benefit as they automated the price drop claims process, which wound up costing the credit card issuers a fortune. Clearly they never heard of the PGFHGS (pigs get fat, hogs get slaughtered) mantra that is part of DDF culture. … [Read more...] about Which Credit Cards Still Offer Price Drop Protection?
If you want to take advantage of the ability to earn 1 Starpoint per dollar (3 Marriott points per dollar) then you can pay taxes on your Starwood AMEX now. A $20,000 tax payment will cost $374, but you will earn 20,374 Starpoints which will convert into 61,122 Marriott points. That’s like buying Starpoints for 1.84 cents each or buying Marriott points for 0.61 cents each. … [Read more...] about Is It Worth Paying Your Taxes On A Credit Card To Earn Miles? Is The SPG AMEX The Card To Use For 2018?
AMEX Blue Business Plus No annual fee, earns 2 points per dollar spent everywhere on up to $50K in annual spending. For rates and fees of the AMEX Blue Business Plus Card, please visit here. AMEX Platinum Business $595, up to 75K points welcome bonus, earn 1.5 points per dollar on $5K+ transactions, $200 in annual airline fee credits, Marriott and Hilton Gold status, 35% points rebate on paid airfare redemptions, Global Entry/Pre-check, AMEX Global lounge collection access. For rates and fees of the AMEX Platinum Business Card, please visit here. AMEX Gold Business Card $295 annual fee, 1 year G Suite Basic for 3 users and up to 1 year of ZipRecruiter Standard, earn up to 4 points per dollar. For rates and fees of the AMEX Blue Business Plus Card, please visit here. AMEX Gold Consumer Card $250 annual fee, 50K points welcome bonus, $100 in annual airline fee credits, earn up to 4 points per … [Read more...] about Get A 25% Bonus When You Transfer AMEX Membership Rewards Points Into Flying Blue Miles; Fly To Israel For 20K Miles Each Way