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Offers I Don’t Think Will Be Around for Long, If You’re Interested Act Now

Dec 07 2018

There are several offers right now that I don’t think are going to last. Some we know won’t. Others banks have hinted they won’t. And in some cases we can make that bet based on past experience.

Usually there aren’t this many heightened offers at once, it’s an embarrassment of riches, largely I think because it’s getting harder and harder to get consumer attention, banks need to spend more to acquire customers and it’s a highly competitive environment, when one product increases its offer others respond in kind.

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3 New Chase Cards and What’s Behind Each

May 31 2018

Chase has launched three new cards in the past two months, and they’ve made aggressive acquisition offers for each one. Even though credit card deals are more expensive for banks than ever, they’re showing no signs of slowing down on their spending to bring customers into the bank – and even to bring more spending into the bank from existing customers.

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17 of My Favorite Frequent Flyer Award Booking Values

Jun 25 2017

The price of an award ticket can vary tremendously. That’s because the same flight will be ‘sold’ for different mileage prices depending on the frequent flyer program you’re using to book it.

As a result there are what some would consider ‘tricks’ to get your awards at the lowest possible cost. Here are 17 of my favorite.

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The Best Card Offer Right Now That Many Of You Can’t Get

Jun 14 2017

This card launched around 8 months ago with a big signup bonus and strong points-earning. But it’s a $95 annual fee card, not a $450 annual fee card.

It comes with an 80,000 Point Signup Bonus: Spend $5000 on your new card within 3 months and you’ll get 80,000 points. As you’ll see below, that can even be enough for a roundtrip business class award ticket between the US and Europe.

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Put Away That Airline Miles Credit Card!

Dec 15 2016

When you put unbonused spend on a mileage-earning credit card you are basically buying those points for two cents each — the opportunity cost of putting the spending on a 2% cash back card — and that’s likely a mistake since most people wouldn’t buy miles for 2 cents each.

Folks who only want to use their points for domestic coach tickets should probably choose cash back, and buy their tickets, rather than limiting themselves to award availability because most of the time you won’t do better than 2 cents a point for those redemptions.

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How to Get Upgraded to the Ritz-Carlton Club Level

Oct 20 2016

Ritz-Carlton clubs aren’t like the club lounges you may be used with at major chain hotels. They’ll frequently have up to 5 food presentations daily, and adult beverages throughout the day along with great service to take care of any needs you have during your stay.

You’ll find delicious, substantive food from breakfast to light snacks, afternoon tee, evening Hors d’Oeuvres and desserts. But elite status doesn’t get you in.

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What Credit Score it Takes to Get Approved for the Best Rewards Credit Cards

Sep 01 2016

I’ve signed up for scores of cards over many years and I still have an excellent credit score, it was nearly 800 FICO on the three major credit bureaus when I went to get my mortgage. In part because of signing up for more cards, rather than in spite of it.

It often surprises me though how many credit cards are approved for consumers with much lower credit scores than I’d have expected. It turns out there’s data for that.

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