Category: Credit Help and Tips

You may have heard (or read) that the Chase Freedom Unlimited now comes with 3% cash back for the entire first year, similar to the double points/miles Discover offers during year one via cashback match. The biggest difference between that Discover offer and the Chase offer is that it’s not unlimited, ironically, on the Chase … Continue reading “Is the 3% Chase Freedom Unlimited Offer Good or Bad?”

It’s that time of the year again, when we scramble to make sure any and all calendar-year travel credits are exhausted. For those who still have unused credits, they might be looking at gift cards to get the job done. As most of you know, gift cards typically trigger travel credits offered by credit card … Continue reading “Cardpool Review: Pretty Amazing for Unloading Gift Cards Fast”

Whether you’re a credit noob, or a seasoned pro, there are two important things you should do every time you open and close a credit card. I thought of these things after I opened a slew of new credit cards lately. It was getting somewhat stressful to keep track of everything, so I came up … Continue reading “Two Things to Do When You Open and Close a Credit Card”

If you’re currently shopping for a new high-end credit card, the American Express Platinum card has undoubtedly shown up on your radar. But a different Amex card might be a much better deal. I’m referring to the Amex Premier Rewards Gold card, or Amex PRG. Allow me to explain. You Can Earn 75k MR Points … Continue reading “How to Earn 75,000 Membership Rewards Points with Amex PRG”

If you’re like me, or countless others, you probably have several Chase credit cards that earn Ultimate Rewards. Assuming you do, you’ll notice that all your Ultimate Rewards are kept in separate accounts tied to the card that earned the points. For example, if you have a Chase Sapphire Reserve card and a Chase Ink … Continue reading “How to Combine Chase Ultimate Rewards Points”

One of the downsides to American Express Membership Rewards points is the inability to simply cash them out for a decent value. Sure, you can get a statement credit, but the value is a mere .60 cents per point, which clearly isn’t worth it. You can also get an Amex gift card, but the value … Continue reading “The Schwab Amex Platinum Let’s You Cash Out Your Points for 1.25 Cents Apiece”

Sometimes the right credit card isn’t so obvious. Sometimes you think a card isn’t for you, when in fact, it’s the perfect fit. One example comes to mind…well, two or three if you count the multiple versions of the card. I’m referring to the Southwest credit cards from Chase, which currently offer 60,000 points if … Continue reading “Get $600+ in Amazon Gift Cards with the Southwest Credit Card”

It appears Chase has added a new restriction to their growing list of credit card rules, this time limiting how many Chase Sapphire cards you can hold at any given time. Specifically, the card issuer is now limiting new applicants to one Chase Sapphire card total. In other words, if you already have Chase Sapphire … Continue reading “You Can Now Only Have One Chase Sapphire Credit Card at a Time”

Credit card Q&A: “Should I keep Chase Sapphire Reserve?” Now that the very popular and game-changing Chase Sapphire Reserve has been out for over a year, a lot of folks are pondering whether to keep it for another year or ditch it to the avoid the costly $450 annual fee. It’s a good question, seeing … Continue reading “Should I Keep the Chase Sapphire Reserve Past Year One?”

Credit card Q&A: “When will the credit card sign-up bonus post to my account?” These days, mega credit card sign-up bonuses are all the rage, but one question I get a lot is when the bonus points (or cash) will actually post to the account? It’s a good question because I know folks are anxious … Continue reading “When Will the Credit Card Sign-Up Bonus Post to My Account?”