Many times, especially after you’ve been in the award travel world for a while, you may be approved for a smaller credit limit than you wanted or expected. This could be for various reasons, such as issues on your credit report, credit extended to you with that specific credit card company, total available credit, or low credit utilization or non-use of your existing credit cards.
I am always excited about free money and that is no different with the Pei app. You’re earning cash-back for merchants that you were planning purchases anyway, usually at a 1% return. It’s nice to cash in that $25 a few times a year or even once a year. Combined with other apps, you can easily earn hundreds of dollars a year!!!
Chase had long been at the top of the food chain when it came to desirable credit card products and having a valuable transferable points currency. Ultimate Rewards became known for their ease of use, wealth of transfer partners, and versatility.
It’s really nice to see Chase make changes to the Sapphire cards to make each card more competitive during this time of staying at home and social distancing. While we’re not traveling, you can decide whether you want to use your Ultimate Rewards as cash or whether you want to stockpile them for future travel. Either way, you get tremendous value from these cards. As always, come on over to our Facebook group to discuss these changes in more detail.
We explain how Pay Over Time cards differ from credit cards, and which Amex cards fall under each of those two categories, in light of Amex’s 5-card limit.
Shortly after “social distancing” entered our vocabulary, we began staying at home as much as possible. Retail stores, restaurants, bars, hotels and airports were replaced with grocery stores, food delivery services and streaming entertainment.
Each member of the ToP team reviewed their individual spending habits and travel goals to determine the credit cards that add maximum value to their situation. There are trends among the cards that we carry but plenty of differences too.
As the second largest airline in the world, in terms of fleet size, passengers flown, and air miles flown, Delta Airlines is familiar to us all. Basically anywhere you want to fly, Delta, or one of its SkyTeam partners will take you there.
Business spend is anything that you need to spend for your business. This can range from food to office supplies to cell phones to toys to travel. For the purposes of this article, we focus on what most consider “typical” business spend and how to maximize flexible currencies, rather than any co-branded cards.
There is no single credit card that can meet everyone’s needs. Consider your unique situation, spending habits and travel goals to determine the option that best suits you.
We promise to keep things short, sweet, and packed with awesome insights!
