Credit Karma Wants to Do Your Taxes, for Free

Most folks have heard of Credit Karma, the free credit score website. They basically killed off those other free credit score websites by providing a free credit score (and credit report) without the need for your credit card info. It revolutionized the credit scoring game. Well, now they want to do the same thing with…your … Continue reading “Credit Karma Wants to Do Your Taxes, for Free”

This Is Why Credit Card Issuers Give You 100k Bonus Points

Ever wonder why credit card issuers are so generous? You know, offering you 100,000 points simply for spending $4,000? If we do the math, they’re giving you over $1,000 in exchange for a much smaller annual fee, say $450. That’s less than half the cost. A smart consumer could go out and spend $4,000, pay … Continue reading “This Is Why Credit Card Issuers Give You 100k Bonus Points”

Credit Card Issuers Really Want Us to Redeem Our Points for Gift Cards

I’ve noticed something lately. Credit card issuers really want you (and me) to use your valuable credit card points for things that are not so invaluable. For instance, I receive e-mails all the time urging me to redeem my lucrative credit card rewards for gift cards. Gift cards? Seriously? Why would I want a gift … Continue reading “Credit Card Issuers Really Want Us to Redeem Our Points for Gift Cards”

Apparently New Chase Website Lets You Circumvent 5/24 Rule

There are swirlings in the blogosphere that the notorious Chase 5/24 rule can be circumvented thanks to the rollout of the bank’s new website. If you notice your Chase website design has changed, chances are you can take advantage of the new credit card approval process that is both quick and easy and also a … Continue reading “Apparently New Chase Website Lets You Circumvent 5/24 Rule”

Don’t Mess Up Your Minimum Spend with Bad Math

These days, it’s all about the opening bonuses when it comes to credit card rewards, not the paltry one or two percent cash back (or points) you can earn for regular spending. After all, credit card issuers are offering up to 100,000 points for simply spending $4,000 on cards like the Chase Sapphire Reserve. It … Continue reading “Don’t Mess Up Your Minimum Spend with Bad Math”

Chase Ultimate Rewards Points vs. Amex Membership Rewards

If you’re in the market for a new rewards credit card, you’ve probably compared options from Chase and American Express, as they offer the biggest sign-up bonuses out there. But their rewards points are very different, so you can’t just say one is offering more points and is therefore the better option. Instead, you need … Continue reading “Chase Ultimate Rewards Points vs. Amex Membership Rewards”

Good Time of Year to Apply for Credit Cards with Calendar Year Benefits

Did you know that fall is a great time to apply for a new credit card? If not, allow me to explain. Many credit cards these days come with an annual calendar year benefit, such as an airline credit or a travel credit. These benefits aren’t based on when your card anniversary is – rather, … Continue reading “Good Time of Year to Apply for Credit Cards with Calendar Year Benefits”

You Have to Opt-in to the Lounge Access with Chase Sapphire Reserve

Just wanted to throw out a Public Service Announcement (PSA) regarding the lounge benefit associated with Chase Sapphire Reserve. While you probably remember hearing about “complimentary airport lounge access” when you applied, you might be wondering how you enter the lounges. Do you just flash your metallic credit card and saunter through the door? Or … Continue reading “You Have to Opt-in to the Lounge Access with Chase Sapphire Reserve”

How to Track Your Ultimate Rewards with Chase

For a long time, it was next to impossible to see how many Ultimate Rewards you had earned with Chase until your statement closed and the points posted to your account. This was frustrating for a lot of people who wanted to keep a close eye on things and make sure they were swiping as … Continue reading “How to Track Your Ultimate Rewards with Chase”

Sometimes Using the Wrong Credit Card Is the Right Choice

A while back, I applied for the Chase Marriott Rewards Premier Business card from Chase because it was offering a generous 100,000 points when I spent $3,000. That was a 25% premium over the current 80k offer, so I jumped on it, knowing I’d be able to use the points haul for a nice little … Continue reading “Sometimes Using the Wrong Credit Card Is the Right Choice”