Second, when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an AMEX business card it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. … [Read more...] about Last Chance To Lock In A Lower Annual Fee On The AMEX Business Platinum Card!
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You can transfer points to airlines like ANA, Air Canada, Avianca, or Singapore for Star Alliance travel. Points transfer to Aeromexico, Alitalia, Air France/KLM, or Delta for Skyteam travel. Transfer to BA, Cathay Pacific, or Iberia for OneWorld travel. Other transfer options include El Al, Emirates, Etihad, Hawaiian, JetBlue, or Virgin Atlantic. This can make sense for one-way, last-minute, or premium class travel. The value with airline miles can be under a cent each if used poorly, but properly used the points can be worth 5 cents, 10 cents, 15 cents, or even more per point, the sky is the limit. … [Read more...] about 1 Hour Left: Last Chance To Lock In A Lower Annual Fee On The AMEX Business Platinum Card!
The great thing about a Hybrid card like Sapphire Reserve is that if you need a one-way ticket, a last minute ticket, or a business/first class ticket you can transfer them instantly into real airline miles, assuming the value is better there. But if it’s not you can still get a great value from your points by redeeming them directly for a ticket without transferring them into miles. … [Read more...] about Are Bank Points Overtaking The Value Of Airline Miles? 2 Hybrid Cards Allow You To Lock In The Best Of Both Worlds
AMEX Blue Business Plus No annual fee, earns 2 points per dollar spent everywhere on up to $50K in annual spending. AMEX Platinum Business $450 annual fee (going up to $595 in February, but you can apply now to pay $450 for the first year), 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. 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. AMEX Gold Card Consumer Card $250 annual fee, 50K points welcome bonus, $100 in annual airline fee credits, earn up to 4 points per dollar. AMEX Platinum Consumer Card $550 annual fee, up to 60K points welcome bonus, earn 5 points per dollar on airfare, $200 in annual airline fee credits, up to $200 in annual Uber credit, up … [Read more...] about All About Mileage Expiration And Transfer Options For 57 Loyalty Programs: Keep Points From Expiring And Bring Them Back To Life!