Category Archives: Credit Cards

1,000 bonus SPG Starpoints with a Starwood stay


Aeromexico Club Premier members can earn 1,000 bonus SPG Starpoints when you stay 2 nights or more at a participating Starwood property in North America, Latin America or the Caribbean through the end of the year.


Book your stay here and complete your trip by December 31st, 2016.

If you’re not yet a Starwood Preferred Guest member, you can join here.

If you’re not yet a Club Premier member, register online here.


A minimum stay of two nights is required to earn the bonus points.

Allow 4-6 weeks after the end of the promotion for the bonus points to be credited to your SPG account.

HT: Mighty Travels

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Get 1,000 Free United MileagePlus Miles For Registering For Dining

Register For United MileagePlus Dining And Get 1,000 Miles

There’s no need to eat out or to buy something to earn the 1,000 miles.

-Valid for new United MileagePlus Dining members only.
-You must register via link above, create a web login, opt in and remaining opted in to receive emails from MileagePlus Dining with a valid, deliverable email address.
-Offer expires April 10, 2016.
-Allow 6–8 weeks for miles to post.

You can also earn 500 miles every time you eat in a participating restaurant within 30 days of registering, up to 2,500 miles.  If you are planning on dining out all you need to do is use your registered card to pay for your meal. The Chase Sapphire Preferred card always earns 2 points per dollar for all dining and travel purchases.

United miles require activity every 18 months, so this will extend the life of your miles for another 18 months. Chase United Explorer cardholder’s miles never expire for as long as they remain a cardholder.

Read here how you can get 50,000 United Miles as your signup bonus!

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Chase Credit Cards: Change of Rules A.K.A. 5/24

Chase is unveiling a new policy in regards to gaming the credit card system. If you’ve opened more than five new credit card accounts in the past 24 months (hence 5/24), you won’t be approved for any new cards from Chase. Currently this rule only applies to Chase Ultimate Reward earning personal cards (e.g Chase Freedom & Chase Sapphire Preferred. We have made mention in previous posts that Chase will soon be extending their 5/24 rule to co-branded  credit cards (e.g. United, BA, ect) sometime in April.

 Chase Bank Credit Cards

Most people that read this blog apply for a lot more than five cards every two years, so this might be your last chance to grab some Chase cards. I thought it would be a good idea to have a look at the Chase application rules & best practices, the current best offers for each Chase credit card and the best current offers overall. If there will be a work around that someone will figure out – that can be possible. However there are no workarounds reported as of yet. This is almost as bad as Amex rule allowing credit cards to be opened only once per cardmember.

Chase Application Rules To The Best Of Our Research

Chase will usually approve a maximum of two new credit cards per month. (Some people got three, but this requires a reconsideration call ). An application January 31 and February 1 is not considered 2 months. You will need to wait the full 30 days.

If you’re not instantly approved for a card, WAIT. If you call reconsideration it’s more then likely that you’ll be denied, based on the 5/24 rule. Although it officially hasn’t gone into effect yet the reps are already implementing it. Our advise, and the advise of many other bloggers is to wait it out.

There is a 24 months period from the time you received the sign up bonus to get it again. This is the 24 from the 5/24 rule.

For most people the best option will be to apply for two credit cards in the same day to get the hard pulls combined (keep in mind that you can either do two business or two personal not a mix of the two). If you are not a churner do what you want. However a word of caution, the Tortoise won the race because he was slow and steady – enough said.

Tortoise wins  the race !

Best Offers For Each Card:

Visit our Credit card page to see all offers, some of them are not the best offer. I have compiled a list of the best offers taken from DoC.

Chase Southwest Premier: 50,000 points after $2,000 in spend. The $99 annual fee is not waived

Chase Southwest Plus: 50,000 points after $2,000 in spend. The $69 annual fee is not waived.

Chase United MileagePlus Explorer: 30,000 miles after $1,000 in spend and an additional 5,000 for adding an authorized user and making a purchase. (The AU does not need to make the purchase to get the bonus miles.)Try to get 55,000 miles + $50 statement credit by making a dummy booking, or you can try this method.

Chase British Airways: 50,000 Avios after $2,000 in spend, an extra 25,000 after $10,000 in spend or an extra 50,000 after $20,000 in spend (first year). The $95 annual fee  is not waived.

Keep in mind, the following cards already have the 5/24 rules in effect:

Chase Sapphire Preferred: 50,000 Chase Ultimate Reward points after $4,000 in spend. $50/5,000 Chase Ultimate Reward points after adding an authorized user.

Chase Freedom: $150/15,000 Chase Ultimate Reward points after $500 in spend. $25/2,500 Chase Ultimate Reward points after adding an authorized user.

Chase Slate: 0% Introductory APR for 15 months on purchases & balance transfers and 0% balance transfer fee for the first 60 days.

Hotel Cards

Chase Hyatt: 2 free nights at any Hyatt property worldwide after $1,000 in spend and 5,000 Hyatt points for adding an authorized user and them making their first purchase. Sometimes it is possible to get the same offer with a $50 statement credit when making a dummy booking on the Hyatt website.

Hyatt Regency Danang Resort & Spa, Da Nang, Vietnam


Chase IHG: 80,000 points after $1,000 in spend or 60k link

Chase Marriott Premier: 80,000 points after $3,000 in spend and 7,500 points for adding an authorized user and them making their first purchase. The $75 annual fee is not waived on this card.

Ritz Carlton: 2 free nights at any participating Tier 1-4 Ritz-Carlton hotel after $4,000 in spend.The $395 annual fee is not waived for the first year, but comes with a bunch of other benefits like $300 annual airline credit.

Chase Fairmont: 2 free nights after $3,000 in spend. The annual fee is waived first year

Business Cards

Chase Ink Plus: 60,000 Chase Ultimate Rewards points after $5,000 in spend. Annual fee of $99 is not waived. (You may be able to get the same offer with the annual fee waived in a branch YMMV.)

Chase Southwest Business Premier: 50,000 points after $2,000 in spend. Annual fee of $99 is not waived first year.

Chase United MileagePlus Explorer Business: 50,000 points after $2,000 in spend.

Chase Marriott Business Premier: 80,000 points after $3,000 in spend. Annual fee of $99 is not waived the first year.

Okinawa Marriott Resort & Spa| Kyushu-Okinawa Japan

HT: DoCReddit and PWAC

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In Summary:

Chase is changing their structure on how they accept new credit card applicants. You will only be allowed to apply for five credit card every two years 5/24.

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American Express Hilton Surpass 85,000 Point Bonus Offer: Should You Apply?

American Express have increased the sign up bonus on the Hilton HHonors Surpass card to 85,000 points if you spend $3,000 or more within three months of account opening.

View all our credit card offers here.

hilton hhonnors

Marketing Bullets

  • Annual fee of $75 is not waived
  • Welcome bonus is not available to those who have or who have had this card in the past.
  • Card earns at the following rates:
    • 12x points per dollar on purchases with a participating hotel or resort within the Hilton Portfolio
    • 6x points per dollar U.S restaurants
    • 6x points per dollar at U.S supermarkets
    • 6x points per dollar at U.S gas stations
    • 3x points per dollar on all other purchases
  • Card comes with complimentary gold status, if you spend $40,000 or more in a calendar year you will receive HHonors Diamond status through the end of next year
  • Free priority pass membership

Ponce, Puerto Rico Hotels | Hilton Ponce Golf & Casino Resort


One More Thing!

The standard bonus is 60,000 points, but this card has peaked at 80,000 points a few times. The 85,000 is the highest public bonus for the Surpass card I’ve ever seen, so if you’re in need of Hilton points it’s probably a good bet. However, if you are a Avid Credit Card Joint reader you will know there is a way to get 50,000 HHonors points with this Surpass credit card without getting a credit pull.

True 50k isn’t 85k, but 50,000 with a credit pull is work 35,000 points.

What is this 50k you keep mentioning?

Originally posted here:

Upgrade to the Hilton HHonors Surpass® Card from American Express

We found this link, that upgrades your credit card WITHOUT a credit pull.


So all you need to do is have an existing card that is eligible, I had a HHonors regular card, so that worked. I didn’t apply for the HHonors card, rather I downgraded the Amex Delta Platinum card that I got last month with 60k.  For those that read our blog frequently, they would have nabbed that card as well. now it is really putting my credit pull to good use with this bonus 50k on the Surpass card.

What else do you need to do?

There is a spending requirement of $3,000 in 90 days, like all credit card signups.

HT: DoC and Uscreditcardguide

Everything you need to know about American Express Cards

In Summary:

Apply for the Hilton Surpass card for 85,000, or just upgrade for 50,000 bonus points.


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Citigroup bans Credit Cards From Sports Betting: Long Live Chase and Amex

Have a Citi credit card or debit card? Don’t bother to try using it to bet on your fantasy sports sites.  Citigroup has barred its New York customers from making credit card transactions with DraftKings and FanDuelJennifer Bombardier a bank spokesperson said, “The ban will last until a decision on the sites’ legality is made by courts”. The sites are in a legal dispute with Attorney General Eric Schneiderman, who calls them illegal gambling sites. The sites argue that their games are based on skill and therefore legal.

My K9 Web protection also categorized it as GAMBLING.

Luckily, Credit card Joint followers have other credit cards at their disposal. See all our latest cards on our Credit Card page. There are several good American Express and Chase offers that you can apply for.

       Chase Bank Credit Cards

LIMITED! British Airways Visa Signature Card100,000 Points
LIMITED! Ink Plus Business Credit Card - 60,000 Points
LIMITED! Chase Freedom
17,500 Points
LIMITED! Chase Sapphire Prefered- 55,000 Points
Ink Cash Business Credit Card – 30,000 Points
United MileagePlus Explorer Card – 30,000 Points
Southwest Airlines Rapid Rewards Premier CC - 25,000 Points
Marriott Rewards Premier Credit Card – 50,000 Points
IHG Rewards Club Select Credit Card – 60,000 Points
Chase Slate – 0% APR for 15 Months

American Express    American Express Credit Cards

  LIMITED!  The Blue for Business Credit Card – 20,000 Points
The Plum Card from American Express OPEN

The Platinum Card from American Express – 40,000 Points

The Business Platinum Card from American Express OPEN
The Business Gold Rewards Card from American Express OPEN
The Hilton HHonors Card from American Express – 40,000 Points
The Amex EveryDay Preferred Credit Card from American Express
The Amex EveryDay Credit Card from American Express
Starwood Preferred Guest Credit Card – 25,000 Points
Starwood Preferred Guest Business Credit Card from AmEx
SimplyCash Business Card from American Express
Gold Delta SkyMiles Credit Card from American Express
Gold Delta SkyMiles Business Credit Card from American Express OPEN
Business Green Rewards Card from American Express OPEN
Blue Cash Preferred Card from American Express
Blue Cash Everyday Card from American Express
American Express Premier Rewards Gold Card

   Capital One Credit Cards

Capital One VentureOne Rewards Credit Card - 20,000 Points
Capital One Venture Rewards Credit Card - 40,000 Points
Capital One Spark Miles Select for Business - 20,000 Points
Capital One Spark Miles for Business - 50,000 Points
Capital One Spark Classic for Business – No Annual Fee
Capital One Spark Cash Select for Business – $200 Bonus
Capital One Spark Cash for Business – $500 Bonus
Capital One Secured MasterCard – Easy Approval
Capital One QuicksilverOne Cash Rewards Credit Card - $100 Bonus
Capital One Quicksilver Cash Rewards Credit Card - 1.5% Cash Back
Capital One Platinum Credit Card – No Annual Fee
BuyPower Card from Capital One – 0% APR

            Barclay Card Credit Cards

Barclaycard Ring MasterCard
Barclaycard Rewards MasterCard
Barclaycard Arrival World MasterCard
Barclaycard Arrival Plus World Elite MasterCard

  Bank of America Credit Cards

BankAmericard Travel Rewards Credit Card
BankAmericard Credit Card
BankAmericard Cash Rewards Credit Card

   U.S. Bank Credit Cards

U.S. Bank Business Edge Cash Rewards Card
U.S. Bank Business Edge Select Rewards Card
U.S. Bank FlexPerks Business Edge Travel Rewards Card
U.S. Bank FlexPerks Travel Rewards Visa Signature Card
U.S. Bank Visa Platinum Card

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Why you shouldn’t book refundable airline tickets to use as your spending requirement

You signed up for new credit card great! Now, you’re stuck with having to spend $5000 and you don’t know how to spend ‎it. Between your car payment, gas, insurance and groceries you’re still short some money. Your face is three options.

Three options to choose from

Option 1. Do like we do spend on something and resell on eBay or Amazon.

Option 2. buy something careless like a new laptop or iPhone. Only buy what you can afford!

Option 3. Buy something refundable and cancel the purchase.

We already discussed option one being a reseller on eBay and Amazon at length in this post and in this post. At a later time we plan on going into more depth, sharing more secrets, and more details on how to make a lot of money. We also plan on showing you different opportunities such as cashback, student discounts, And other areas which will allow you to cut corners and maximize profits.

Option 2 really isn’t an option. No one spending $1000 on that new computer, watch, game just to meet a spending requirement. It’s like flushing your whole sign up on us down the toilet. Unless, that’s what you wanted to use your sign-up bonus for. I know someone that signed up for three Credit cards to spend $10,000 in a brand-new car. They used part of their sign up bonus as a way towards the spending of the car.

Need to spend $1,000? How about a new Macbook?

Option three is a refundable purchase. There two types of refundable out there.

Type one, would be refundable Merchandise.

I will give two examples of refundable merchandise. A store like Nordstrom. Nordstrom allows you to buy something on a credit card going to the store and return for cash. It’s an easy way to me to spend requirement swipe $3000 On a luxury item and then going to your nearest mortuary turner for a check or cash back. Honestly thinking if you take cash back that will probably be money-laundering. Another store that has this return policy would be Costco. listed to pay with credit cards other than American Express. If you buy something on a visa card and bring it to start your return, they will give you back your money via check. They have no way of refunding visa card in the store. They only can refund American Express credit cards.

Type two refundable would be airline tickets. ‎

Go onto any website etc. and book a fully refundable ticket for xxx months in advance. Then wait for your sign a statement to close site upon is supposed to pull the trigger and refund that you like ticket. The money will go back into your account.  And the points will stay.
Or will it?

Lately, American Express has been cracking down on refundable airline tickets. There have even been reports on this Reddit post Of American express phone event sign-up bonus accounts. They have also been reports of the special Amyx department set up track these type of people.

Doing something that wasn’t ethnical to bother you, then losing your sign up bonus by being quarterback from American Express. I am proud to say that I have never done before and the balls to meet a spending threshold. I don’t think it’s ethnical, or fear. More so I think it straight out stealing from the credit card issuer, And from the merchant.

Why you ask me. First of all stealing from the merchant. The merchant praise a credit card processing fee when charging a credit card. This is typically in the tuna half to 3% range. The sea is not only not returned when issuing refund, but they have to pay the fee second time if they put it back to a different credit card.

Additionally is six healing from the card issuer. The Kardashian’s giving you a signing bonus in lieu of the spends. They’re hoping that you won’t make the spend requirement, or you pay late, forget about your new account and they could charge you interest and the source of other fees. They’re also giving you a Of credit and hope for you to build on that line of credit and build trust in a relationship with them. They’re looking for a long-term commitment and business relationship that will burn them A nice return in the long run.
Signing up for credit cards, then booking refundable getting your points followed by closing your account is very calming. If your one of these people that do this be where the Day of reckoning is here.

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girl with credit card

Three Credit Cards: A Must For Every Person

There are many people that say don’t have credit cards, credit cards are bad, and similar statements that bear no wait. These people are either not in control of their spending, or do not know the value and need of having credit cards. ‎It is essential for everyone to have a few lines of credit under their name .

Having credit cards build your credit history. The longer you have a credit card, the longer history there will be on your credit report. A longer credit history will have a direct impact on your credit score. When applying for your first credit card make sure it’s a “no annual fee credit card”, this will ensure you can build credit history for years to come without paying any fees.

Car loans, leases, mortgages are also ways to build your credit history. However, the easiest way to build your credit history is with credit cards. Most people are able to get a credit card with little to no credit. ‎Month by month they build their credit history which will raise their credit score.

Credit cards are the easiest way to build a credit history. Credit cards are the easiest line of credit you can open. Having three credit cards is required to apply for a mortgage with many .

Your credit history and your credit score ‎are very important. In order to get your next credit card, car loan, lease or mortgage, you will need to have a good credit history. They work hand-in-hand.  In order to get a loan you need credit history, and once you have your loan it will build your credit history.

Mortgage companies require you to have three lines of credit under your social security number. Being an authorized user or a joint card holder on another person’s card will not be counted as a line of credit under your name. It is integral for everyone to open up a credit cards under their name as soon as they can, to begin building their credit history. The earlier the better.

Don’t listen to the foolish people that say having a credit card you will not to be in control of your finances. Most credit cards have programs that track your spending showing you where you spend your money, and how much money was spent in each category. ‎This is an amazing tool while budgeting to know what purchases need to be cut out.

Are scared that by having a credit card you will just swipe away and not keep track of your purchases? Get a credit card and don’t use it. This will enable you to have that open line of credit and build your credit history without putting you into hock.

Read these other hot topics!

Late Payment Removed From Your Credit Report (4 Ways)

Chip and PIN cards – Credit Cards Move To The Next Stage Fighting Fraud

Credit Inquiry: Hard Pull Vs Soft Pull

View our home buying series here: Mortgages, Home Loans, Refinance, and Interest

And don’t forget to follow us on Twitter to be entered into our $50 Giveaway!

In Summary

It is integral to have a few credit cards open to begin your credit history.

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