Chase

The brand new Chase Sapphire Reserve offers 100,000 bonus Ultimate Rewards after spending $4,000 on the card in the first three months.

Plus it offers up to $700 in statement credits in the first year of cardmembership.

The card offers valuable, transferable Ultimate Rewards; 3x points on travel and dining; and airport lounge access for you and unlimited guests at over 900 lounges worldwide.

You can read my full analysis of the card here. But let’s say you already have the card. What are the best uses for the 104,000+ points you’ll have after meeting the minimum spending requirement?

$1,560 in Flights on Any Airline with No Blackouts

This is not one of the best uses.

Yes, Ultimate Rewards earned by the Sapphire Reserve can be used like cash toward the purchase of any flight at a rate of 1.5 cents per point, so 104,000 points would be $1,560 in flights.

And yes, you can use the $300 travel credit in 2016 and $300 more in 2017 during your first year of card membership for another $600 in flights.

And yes, you’ll earn miles for all $2,160 of flights because the airlines just see that you’re flying a “cash” ticket.

But I think the 10 uses below–which involve transferring Ultimate Rewards to United, Korean, British Airways, Flying Blue, or Virgin Atlantic miles–are even better!

1. Roundtrip Business Class to Europe (115,000 United Miles)

United charges 57,500 miles each way to Europe in flat bed Business class on its own flights. (It charges 70,000 to fly its partners.)

For that price, you can get from anywhere in the continental United States to anywhere in Europe in a flat bed like this now…

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…or the improved “Polaris” product starting next year.

Award space is wide open at the moment in United Business Class to Brussels and Amsterdam, with connections throughout Europe from Brussels.

2. First Class Between Southeast Asia & Australia or New Zealand (40,000 United Miles)

Thai Airways First Class on its 747 operates daily between Bangkok and Sydney. Thai Airways First Class is luxurious with renowned Thai service, awesome Thai food, and free hourlong Thai massages for First Class passengers departing Bangkok.

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The price for 9+ hours in Thai First Class: only 40,000 United miles!

For whatever reason, when United jacked up the prices of flying Business and First Class on partners in February 2014, it dropped the premium-cabin prices between Southeast Asia and Australia/New Zealand.

I flew First Class on the Thai A380 in September 2013–unfortunately I lost my camera, so I never wrote a trip report–and I was sufficiently impressed by the bed, food, massage, and service that I would happily fly Thai First Class again. On that trip, I even got an hour in First Class on a Thai 747 from Phuket to Bangkok, and I found this specific seat/bed combo to be very comfortable as well.5

The Massage

Most international First Class, at least on Asian airlines, is going to have a great bed, great service, and delicious food. What sets Thai apart is the ground experience.

I connected in Bangkok and was met at the plane door by a Thai employee who escorted me to the lounge. Once there, I was handed off to another employee who took my food, drink, and massage order.

First Class passengers departing Bangkok get a free massage. You have four options, and I went with the hourlong Touch of Silk oil massage. I’m not much of a massage guy, but the time flew by, and I came out feeling relaxed and fantastic.

All else equal, you really want to fly Thai First Class out of Bangkok instead of into Bangkok to take advantage of Thai’s ground service.

Read more about using 40,000 United Miles to Book Thai First

3. Roundtrip to Hawaii (25,000 Korean miles, 45,000 in First Class)

Korean charges 25,000 miles roundtrip in economy and 45,000 miles roundtrip in First Class or Delta One between the mainland and Hawaii

Korean has access to all the same Level 1 award space Delta releases to people with Delta miles, but no other Delta award space.

What’s the catch? For bookings to Hawaii, there are two:

  1. You can only book Korean awards for yourself or immediate family members, with proof of relationships.
  2. Korean awards are the same price roundtrip or one way, so you have to book roundtrip (although an open jaw is allowed.)

However there are a number of benefits to booking Korean awards to Hawaii:

  1. Korean awards have no change or cancellation fees if your plans change
  2. Korean awards of Delta flights to Hawaii do not have fuel surcharges, so both types of awards will just have identical taxes of $11 roundtrip.
  3. Korean offers a stopover on roundtrip awards to Hawaii.

Read more about using 25,000 Korean miles or a roundtrip to Hawaii

4. Korean First Class (45,000+ Korean Miles)

Korean First Class is the most available international First Class award space I’ve ever seen.

Korean flies to Seoul from 11 American cities.

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It features a First Class cabin on all 11 routes, including Honolulu.

Last year, I searched award availability for one week for each route on Expert Flyer. I spread my searches throughout the calendar. In total, there were 87 flights searched because because the cities ranged from 3 to 17 flights per week. On 84 of those 87 flights, there was at least one award seat in First Class.

Read more about booking Korean First Class

5. 23 Award Flights (103,500 Avios)

British Airways Avios are very often the best miles to book short, direct, economy flights.

I like international First Class as much as the next guy, but sometimes I just want to fly from Los Angeles to Hawaii, Hong Kong to Tokyo, or Chicago to Dallas–short flights on planes without a great First Class cabin anyway.

While most major airline miles are region-based, Avios are distance-based. British Airways charges a price for each segment of your award. The number of Avios is determined by only two things: the distance of the segment and the cabin of the segment.

Here is the award chart:

Screen Shot 2015-01-28 at 1.00.40 PM…except that any flight that touches the United States costs at least 7,500 Avios, so this is the award chart for flights to/from/within the United States:

Screen Shot 2015-10-28 at 2.50.49 PM

You can get 23 4,500-Avios flights like Vienna to , Lima to Cuzco, or Sydney to Australia after meeting the minimum spending requirement on the Sapphire Reserve.

Or you can get eight flights to Hawaii (12,500 Avios each) on the following routes:

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For more information see Avios Basics and All the 12,500 Avios Awards to Hawaii.

6. Three Roundtrips to London (105,000 Virgin Atlantic Miles)

Here are some Virgin Atlantic deals I particularly like:

  • Economy from Atlanta, Boston, New York, Washington DC, Chicago, or Detroit to London: 17,500 miles + $134.60
  • Premium Economy from Atlanta, Boston, New York, Washington DC, Chicago, or Detroit to London:  27,500 miles + $234.60
  • Economy Class from Hong Kong to London: 25,000 miles + $22
  • Upper Class from Shanghai to London: 50,000 miles + $277

For more information, see this post. The basic idea is that the fuel surcharges are annoying but bearable because of how few miles you need. Limit the taxes by only booking awards to London and not home from London. (Use United miles or another type of miles for the return from Europe.)

7. One Roundtrip to London and One to Buenos Aires (85,000 Virgin Atlantic Miles)

Virgin Atlantic offers some great deals on awards on partners like Delta and Air New Zealand.

  • Atlanta to Buenos Aires roundtrip in Economy Class on Delta: 45,000 miles + $99
  • Los Angeles to Auckland roundtrip in Business Class on Air New Zealand: 125,000 miles + $69
  • London to New York roundtrip in Economy Class on Delta: 40,000 miles + $186

For more information on partner sweetspots with Virgin Atlantic miles, see this post.

8. 4 Roundtrips to Europe, Israel, or North Africa (100,000 Flying Blue Miles)

Every month, Flying Blue releases a new list of Promo Awards, which allow travel from specified cities in the USA to anywhere in Europe, Israel, Morocco, Tunisia, or Algeria for 25% or 50% off the normal miles price.

Usually you have one month to book awards that must be flown 1-4 months in the future.

So what does 25% and 50% off an award to between the United States and Europe look like?

  • 25% off an Economy roundtrip ticket: 37,500 miles + taxes + $112 in surcharges
  • 50% off an Economy roundtrip ticket: 25,000 miles + taxes + $112 in surcharges

Business Class Promo Awards can be reduced to reasonably competitive mile prices, but the excessive fuel surcharges tacked on negate their value.  But as you can see, the Economy prices are absolute steals.

An important point to keep in mind with Promo Awards is that they cannot be changed, cancelled or refunded, so speculative bookings are not an option.

Here are the current available Promo Awards.

9. Roundtrip Singapore Suites to Europe (115,000 Singapore Miles)

Singapore’s A380s feature one of the world’s best First Class products that it calls Suites Class, and it is only bookable with Singapore miles. Singapore releases no First or Suites Class space to partners. Here is a list of routes that feature Singapore A380s (and thus Suites Class.)

Singapore awards include fuel surcharges when an identical cash ticket would have fuel surcharges, but sometimes the mileage price is low enough that it’s worth paying fuel surcharges to treat yourself.

Here are some deals I particularly like:

  • Los Angeles to Tokyo: 74,375 miles in Suites Class + $113
  • Los Angeles to Tokyo to Singapore: 91,375 miles in Suites Class + $276
  • New York-JFK to Frankfurt: 57,375 miles in Suites Class + $203
  • New York-JFK to Frankfurt to Singapore: 93,500 miles in Suites Class + $286
  • Singapore to Hong Kong: 31,875 miles in Suites Class + $30
  • Singapore to Mumbai: 42,500 miles in Suites Class + $160
  • Singapore to Beijing: 42,500 miles in Suites Class + $160
  • Mumbai to Beijing: 61,625 miles in Suites Class + $322
  • Hong Kong to Sydney: 63,750 miles in Suites Class + $188

For more information on booking Singapore Suites, see this post.

10. Three Roundtrips to Hawaii (105,000 Singapore Miles)

It is cheaper to book the exact same United flights to Hawaii with Singapore KrisFlyer miles than with United miles.

  • United charges 22,500 miles each way in economy and 40,000 miles in First Class between the mainland and Hawaii
  • Singapore charges 17,500 miles each way in economy and 30,000 miles each way in First Class between the mainland and Hawaii

That’s a humongous difference. Instead of costing 135,000 United miles to get two people from your home airport to Hawaii and back, you could pay 105,000 Singapore miles. Instead of paying 160,000 United miles for two roundtrip First Class tickets, you could pay 120,000 Singapore miles–even occasionally for flat beds!

To reiterate, these are the exact same flights with vastly different prices depending on which miles you use. Singapore has access to all the same Saver award space United releases to people with United miles (except for some space set aside only for United elites and credit card holders.)

And although using Singapore miles to fly United to Hawaii costs more Ultimate Rewards than using Korean miles to fly Delta (#3 on this list), United releases a lot more award space than Delta does, so you are much more likely to be able to use the Singapore/United deal.

What’s the catch? For Singapore bookings to Hawaii, there really isn’t one.

  • Singapore awards cost fewer miles than United awards
  • Singapore awards are way cheaper to change or cancel than United awards if your plans change
  • Singapore awards do not have a fee for booking within three weeks of departure like United awards do (though here is how to get out of that fee on United awards)
  • Singapore awards of United flights do not have fuel surcharges, so both types of awards will just have identical taxes of around $11 roundtrip.
  • Singapore miles are easier to get than United miles because you can also transfer Amex, Citi, and SPG points to Singapore

For more info on using Singapore miles to fly United to Hawaii, see Guide to Booking United Flights to Hawaii with Singapore KrisFlyer Miles.

Transferring Miles

All of the top ten deals require you to transfer Ultimate Rewards from your chase.com account to a specific partner airline’s miles and then use those miles. That process is very easy and laid out in the linked posts in each section of the top ten.

Bottom Line

The brand new Chase Sapphire Reserve offers 100,000 bonus Ultimate Rewards after spending $4,000 on the card in the first three months. Those points are insanely valuable when transferred to United, British Airways, Korean, Singapore, and Virgin Atlantic miles and used to book First Class, trips to Hawaii, short hops, and a lot more.

11

Business credit cards from the majority of issuing banks are not considered in your Chase 5/24 count because they do not show up as new accounts on your personal credit report.  This is important to be aware of if you sign up for enough cards that you are concerned with the Chase 5/24 rule.

Before I elaborate, let’s go over Chase’s 5/24 rule and what it entails.

If you have opened five credit cards from any issuing bank in the last 24 months, Chase will not approve you for their credit cards. This is what we mean when we say Chase 5/24.

The enforcement of the now infamous rule, while not unexpected, has obviously been a big blow to miles enthusiasts as Chase’s cards have some of the most lucrative sign up bonuses available to avid travelers.

Chase determines how many cards you’ve opened in the last two years by checking out your credit report. All personal credit cards, as well as all personal credit cards on which you are an authorized user, show up on your personal credit report. Most business credit cards don’t show up on your personal credit report.

Many credit card issuers do not report the activity of a business credit card on your personal credit report because the card is, in essence, associated with a business and not the owner personally– as long as you pay the bills on the time. If you don’t, then the delinquency will negatively impact your personal credit report since the owner is ultimately responsible for the business.

Which Banks’ Business Cards Do & Don’t Show Up on Your Credit Report

Doctor of Credit has a thorough list of which banks’ business cards do not show up on your credit report and therefore wouldn’t be totaled into your 5/24 count. Here’s a summary of his summary.

Banks’ whose business credit cards show up on your credit report:

  • Barclay’s
  • Capital One

Banks’ whose business credit cards don’t show up on your credit report:

  • American Express (nor will their business charge cards show up)
  • Bank of America
  • Chase**
  • Citi
  • Discover
  • US Bank
  • Wells Fargo

**While Chase business cards don’t show up on your personal credit report, they are (logically) the one exception that will be totaled in your 5/24 count. Check out the Flyertalk thread about Applying for Chase Credit Cards- May 2015-Present for more info.

As you can see, the majority of business cards will not show up on your credit report. Interested in a business credit card to help organize your finances and earn extra miles and points? Learn how to be approved for a business card.

Note that applying for any credit card, personal or business, does result in a hard inquiry on your personal credit report. But those hard credit inquiries won’t count as opening a new account (for the purposes of Chase 5/24).

Examples of Business Cards That Won’t Total Into Your 5/24 Count

Bottom Line

If you are trying to determine how many credit cards you’ve opened in the last 24 months that, in the eyes of Chase, count towards your 5/24 limit, then know that you don’t need to count Business cards from American Express, Bank of America, Citi, Discover, US Bank, or Wells Fargo.

If you’re over 5/24 and are trying to lower that count back down so you can once again be eligible for Chase cards, then know that you can still apply for business credit cards from American Express, Bank of America, Citi, Discover, US Bank, or Wells Fargo in the meantime and they won’t count against you.

Chase 5/24 isn’t the only rule to consider when applying for credit cards. Make sure you’re familiar with the major issuing bank rules before diving headfirst into rewards card collecting. We’d also be happy to advise through our Free Credit Card Consultation Service if you want new cards but fear wasting hard credit inquiries in vain.

Updated 9/21/16 with consideration of Citi’s new sign up bonus rule

If you’re just getting into the miles hobby or coming back after a break, it’s important to realize that there is an order in which to apply for credit cards that can help you maximize your award earning potential. Applying at random not only slows your award earning efficiency but can also result in unnecessary denials (and wastes of hard credit inquiries that affect your credit score), thanks to bank rules and sign-up bonus conditions.

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Where I’ve been through May 2016. You can do it too if you collect awards wisely!

There are numerous institutions that issue travel credit cards, but I’m going to talk about five them, as they issue the majority of cards that are worth signing up for:

  • Chase
  • Citibank
  • American Express
  • Barclaycard
  • Bank of America

This is the order I suggest applying for credit cards in:

  1. Look at all the cards offered by Chase, and pick up to five that you want.
  2. If there are five that interest you, get them all.
  3. If there are less than five Chase cards you want (we’ll call the number of Chase cards you want “X”), apply for 5-X Citi cards that interest you, and then X Chase cards.
  4. Over the course of time, apply for other Citi cards, Barclaycards, and Bank of America cards. At the same time, keep an eye out for the highest sign-up bonuses available from American Express cards and apply for them when you see them.
  5. Consider stopping or slowing down for 24+ months in order to re-up on Chase cards at some point.

The Best Order for Card Applications Step-by-Step

1. Look at all the cards offered by Chase, and pick up to five that you want. 

Chase has some of the best travel cards out there with incredible sign-up offers. If you have gotten any five credit cards total from any banks within the last 24 months, all Chase cards will be off limits to you– this is called the Chase 5/24 Rule.

The rule previously only applied to Chase branded cards specifically (like the Sapphire Preferred, Freedom, Freedom Unlimited, Slate) but now it also applies to their co-branded and business cards (United Explorer, British Airways, Ink Plus).

2. If there are five Chase cards that interest you, get them all.

You can be approved for multiple Chase cards on the same day. I know people who have been approved for two personal and one business card from Chase on their first-ever credit card applications.

3. If there are less than five Chase cards you want (we’ll call the number of Chase cards you want “X”), apply for 5-X Citi cards that interest you, and then apply for X Chase cards. 

You are only eligible to earn a sign up bonus on a Citi card if you haven’t opened or closed a card from the same type (brand/co-brand) within the last 24 months. By applying for the Citi cards you want first (ONLY if you want less than five Chase cards) you will start that 24 month clock sooner, therefore allowing you to get these Citi cards for a second time more quickly than you otherwise could. I would pick the ones you most want to repeat (or ones within the same co-brand of another card you want) with the highest sign-up bonuses. And make sure to pick the most valuable sign up bonus within a Citi card’s brand/co-brand since you won’t be able to get another Citi card within that co-brand for at least 24 months.

Confused about what I mean by brand/co-brand? Let’s say you opened a Citi® Hilton HHonors™ Visa Signature® Card seven months ago. That means for the next 17 months (a full 24 months after you opened it) you are not eligible for the sign up bonus from the Citi® Hilton HHonors™ Reserve Card, the other Hilton co-branded card issued by Citi. If you close that Citi® Hilton HHonors™ Visa Signature® Card, the 24 month clock will start over again and you won’t be eligible for any other Citi Hilton cards for 24 months past the date you closed it.

Citi’s behavior regarding application timing is as follows: You can be approved for no more than one card in a week or two Citi cards in a 65-day period. If you want three Citi cards, get them on Days 1, 9, and 66. This is the timeline that has worked best for other people.

Say you want two Citi and three Chase cards, get one Citi and three Chase cards on Day 1 and one Citi card on Day 9.

4. Over the course of time, apply for other Citi cards, Barclaycards, and Bank of America cards. At the same time, keep an eye out for the highest sign-up bonuses available for American Express cards and apply for them when you see them.

Here are American Express’ rules to consider:

  • You can only get the bonus on a American Express personal card or business card once per lifetime (with the exception of a possible targeted offer). This is why you should choose which offer you sign up with carefully. The American Express Platinum personal card and American Express Platinum Card Exclusively for Mercedes-Benz are separate cards, so you can get the bonus on each.
  • You are limited to holding four American Express credit cards. Both personal and business count toward this limit (Amex Gold, Everyday, Delta, and SPG are credit cards.)
  • Separately, you are limited to holding four American Express charge cards. Both personal and business count toward this limit. (Amex Platinum is a charge card).

Here are Barclaycard’s rules and other tips to consider:

  • Applicants with zero Barclaycards may be able to get several at once.
  • Applicants who have a Barclaycard will not be approved for another for at least six months since the last Barclaycard application.
  • Barclaycard will deny people for having too many Barclaycards, not enough spending on existing Barclaycards, too much credit with Barclaycard, or too many accounts with other banks.

Here are Bank of America’s rules and other tips to consider:

  • As for the Alaska Airlines personal and business cards (the only Bank of America cards worth getting), you can get as many as you’d like at one time.
  • I usually get one of each every 91 days, but people have gotten multiple at once or waited less time between applications.

Putting these rules together, it is important to snipe Amex offers. You should always be on the lookout for very short term offers with huge bonuses like the 100,000 point offer on the Amex Platinum that lasted just hours. When these bonuses appear, jump on them. When Amex cards have their “normal” bonuses, skip them in favor of normal or elevated bonuses from Bank of America and Barclaycard.

5. Consider stopping or slowing down for 24+ months in order to re-up on Chase cards at some point.

Remember that pesky Chase 5/24 Rule? If you stop collecting cards for a 24 month period, then it stops applying to you. However there is another Chase rule that comes into play here if you want to open a repeat Chase card: You can only get the bonus on the same Chase card once every 24 months, and this 24-month clock starts when you received the last bonus (which may be several months after you opened the account). So the actual waiting period before you can get a repeat sign-up bonus is 24 months plus the amount of time it took you get the bonus the previous time.

Whether you should stop getting new cards to reset your Chase clock is just a math problem. How many points in future sign up bonuses will stopping unlock for you (and how much are they worth?) versus how many are you giving up during your hiatus (and how much are they worth?)

Free Credit Card Consultation Service

Confused? Just not interested in doing the work yourself? No problem– we’re here to do it for you. Simply fill out this form and we will email you back with our personally tailored recommendations, often within hours. Voilà.

Which Travel Credit Cards are the Best Right Now?

Listed below are the top three cards out of my top 10 choices for travel credit cards at the moment. Note that I update this post monthly, so these are my top three choices as of September 2016.

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Chase Sapphire Reserve

I think the Chase Sapphire Reserve is the best credit card offer ever.

It offers an astounding 100,000 Ultimate Rewards after $4,000 in purchases within the first 3 months of account opening. Ultimate Rewards transfer 1:1 to United, British Airways, Singapore, Korean, Southwest, Virgin Atlantic, Hyatt, and more

You get a $300 travel credit each calendar year, which can be applied twice within the first year of card membership for a total of $600 in travel credit.

Chase Sapphire Reserve holders also get a free Priority Pass Select membership, which gives you access to over 900 lounges around the world, and free unlimited guest access to those lounges for anyone you’re traveling with.

The Sapphire Reserve offers 3x Ultimate Rewards on travel and restaurants. Travel and restaurants are broad categories and include flights, hotels, car rentals, cruises, tolls, parking, Uber, taxis, restaurants, bars, fast food, and night clubs.

The $450 annual fee is not waived, but you can see how the benefits more than make up for it.

Ink Plus

The Ink Plus by Chase is a business card that offers 60,000 Ultimate Rewards after spending $5,000 in the first three months. Ultimate Rewards transfer 1:1 to United, British Airways, Singapore, Korean, Southwest, Virgin Atlantic, Hyatt, and more.

For the reasons presented in this post, this is one of the first three cards I recommend you get if you can get a business card.

The Ink Plus earns 5x points on internet, phone, and cell phone bills; 5x points on purchases at office supply stores; 2x points on hotels and gas; and 1x points on everything else.

The $95 annual fee is not waived.

Chase Sapphire Preferred

The Chase Sapphire Preferred is a personal card that earns 50,000 bonus Ultimate Rewards after spending $4,000 in the first three months. Ultimate Rewards transfer 1:1 to United, Singapore, British Airways, Korean, Southwest, Virgin Atlantic, Hyatt, and more.

For the reasons presented in this post, this is one of the first two cards I recommend everyone get.

You also get 5k bonus points for adding an authorized user while applying, so I think of this as a 55k bonus point card. (Adding an authorized user does not prevent that person from getting the card at the same time or in the future as a primary account holder and getting the full sign up bonus.)

The Sapphire Preferred earns 2x points on dining and travel. Dining includes bars, restaurants, and fast food. Travel includes airfare, hotels, taxis, rental cars, tolls, parking, and much more.

The Sapphire Preferred has no annual fee the first year, then $95 thereafter.

Resources for Beginners

Bottom Line

Choose the order in which you apply for travel credit cards carefully as it makes a serious impact on your award earning potential over the course of a lifetime. Apply for five Chase cards if there are five that interest you. If you want less than five Chase cards, apply for Citi cards first, but not so many that it would put you over a total of five cards when counting your desired Chase cards. Then move on to collecting other Citi, Barclaycard, Bank of America, and American Express cards, remembering to cherry pick the highest sign-bonuses for Citi and American Express cards.

3

The Chase Sapphire Reserve comes with 100,000 bonus points after spending $4,000 on the card in the first three months.

The card earns 3 points per dollar on travel and dining expenses and 1 point per dollar on everything else.

The Chase Sapphire Preferred comes with 50,000 bonus points after spending $4,000 on the card in the first three months, 5,000 bonus points for adding an authorized user, and 2 points per dollar on travel and dining.

The “dining” category on each card has just taken a hit. The following sub-categories are no longer considered dining:

  • bakeries
  • catering
  • dairy product stores

That means purchases in those sub-categories will now only earn one point per dollar on the Sapphire Preferred and Sapphire Reserve. That’s a mild bummer.

The sub-categories that still earn 3x on the Sapphire Reserve and still earn 2x on the Sapphire Preferred are:

  • Restaurants
  • Fast Food
  • Bars
  • Coffee Shops
  • Flights
  • Hotels
  • Car Rentals
  • Cruises
  • Uber/Lyft/Taxis
  • Parking
  • Tolls
  • Airbnb
  • Subways
  • Trains
  • Travel Agencies
  • Online Travel Agencies
  • Airline taxes and fees including change fees, upgrade fees, fuel surcharges, and cancellation fees

Hat Tip Dans Deals

0

The Hilton 75k offer has expired. For the current top offers, click here.

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Hotel cards offer a variety of perks like free night, hotel points (that can be used for free nights), hotel status, and increasingly other benefits like statement credits.

There are tons of hotel cards out there, but I think you can focus on these five cards first.

#1 Chase Sapphire Reserve

While not strictly a hotel card, this is still the clear #1 hotel card because the 100,000 bonus points can transfer to 100,000 Hyatt points, which are worth 3-20 free nights in Hyatts depending on category or 2-12 nights in suites.

Plus the $600 in travel credits you can get in the first 12 months of having the card can be used to offset another $600 in hotel stays.

  • Sign Up Bonus: 100,000 Ultimate Rewards after $4,000 in spending in the first three months, can transfer to four types of hotel points
  • Statement Credits: First $300 in travel purchases each calendar year are offset; $100 Global Entry or $85 TSA Precheck Credit
  • Category Bonuses: 3x on travel and restaurants
  • Value of Ultimate Rewards: Worth 1.5 cents toward the cash booking of any hotel OR can be transferred to seven airlines and four hotels for higher value
  • Lounge Access: Priority Pass Select Membership means free access to 900+ airport lounges worldwide
  • Global Acceptance: Visa, chip technology, and no foreign transaction fees
  • Annual Fee: $450
  • Eligibility: Chase 5/24 Rule
  • Full MileValue Analysis of Chase Sapphire Reserve

Apply: Chase Sapphire Reserve

#2 Ritz-Carlton Rewards Card

This is another card with a mega annual fee and mega benefits. (Don’t worry cards #3-#4 have low annual fees, and #5 has no annual fee.)

The Ritz-Carlton offers three free nights at Tier 1-4 properties after spending $5,000. There are only five tiers, so you can stay in some very fancy hotels that go for $500+ per night.

Adding an authorized user and meeting the minimum spending requirement gets you at least halfway to another free night.

The statement credits are not nearly as valuable as those offered by the Chase Sapphire Reserve.

  • Sign Up Bonus: Three free nights at Tier 1-4 Ritz-Carltons after $5,000 in spending in the first three months
  • Authorized User Bonus: Get 10,000 bonus points for adding one when signing up for the card
  • Statement Credits: First $300 in spending on “airline lounge day pass, or towards a yearly lounge membership of your choice; airline seat upgrades; airline baggage fees; in-flight Internet/entertainment; in-flight meals” are offset each calendar year; $100 Global Entry Credit
  • Category Bonuses: 5x at Ritz-Carlton; 2x on airlines, car rentals, and restaurants
  • Value of Ritz-Carlton Points: Need 30k to 70k for a free night
  • Lounge Access: Priority Pass Select Membership means free access to 900+ airport lounges worldwide
  • Discounted Flights: $100 discount on domestic flight bookings for 2+ passengers
  • Global Acceptance: Visa, chip technology, and no foreign transaction fees
  • Annual Fee: $450
  • EligibilityChase 5/24 Rule

Apply: Ritz-Carlton Card

#3 Starwood Preferred Guest Card

This has a sign up bonus more valuable than other hotel cards, but I’d still hold off for the once or twice per year increase of the bonus to 30,000 or 35,000 Starpoints, since American Express only lets you get one bonus per product. That means if you get a 25,000 point bonus now, you can never get the bonus again, even if it increases to 30,000 or 35,000 points.

Apply: SPG Card

#4 Hilton Reserve

The Citi® Hilton HHonors™ Reserve Card is the best card for giving you free luxury hotel nights. The card comes with two free weekend nights at Hiltons worldwide after spending $2,500 in the first four months. The free nights are best spent at top-tier Hiltons and Conrads that can go for $1,000 or more per night.

This card is perfect to get aspirational stays at top tier properties like the Conrad Koh Samui that goes for 95,000 Hilton points per night and costs more than $1k per night.

The card also comes with Hilton Gold Status, so you can enjoy free internet and breakfast on those free stays.

The card earns 10x points on Hilton stays, 5x on airlines and car rentals, and 3x on all other purchases.

There card has no foreign transaction fee. The annual fee is $95.

  • Sign Up Bonus: Two free weekend nights at Hiltons worldwide after $2,500 in spending in the first four months
  • Annual Spending Bonus: One free weekend night any calendar year you spend $10,000
  • Category Bonuses: 10x at Hiltons, 5x at airlines and car rental agencies, 3x on everyday spending
  • Value of Hilton Points: Worth 0.4 cents to me. Should be used at Category 1-3 Hiltons for free nights from 5,000 to 20,000 points per night instead of Category 10 Hiltons which cost 95,000 points per night
  • Automatic Status: Hilton Gold Status as long as you hold the card
  • Global Acceptance: Visa, chip technology, and no foreign transaction fees
  • Annual Fee: $95
  • Eligibility: You can get the bonus again as long as your last Citi Hilton has been closed for 24 months.
  • Where to use free night certificates

Apply: Citi® Hilton HHonors™ Reserve Card

#5 75,000 Point Hilton No Annual Fee Card (Expires Wed)

Until Wednesday August 31, 2016, the Citi® Hilton HHonors™ Visa Signature® Card comes with 75,000 bonus points after spending $2,000 in the first three months, automatic Hilton Silver status, and no annual fee.

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This is a huge sign up bonus for a card with no annual fee.

The card offers 6x points at Hilton hotels; 3x at supermarkets, drugstores, and gas stations; and 2x on all other purchases. Plus any year you spend $1,000 at Hiltons, you get 10,000 bonus points.

Free night awards start at 5,000 points per night and because the card gives you free Silver status, cardholders get the fifth night free on all awards.

Spending $2,500 on the card (of which at least $2,000 is in the first three months) will give you 80,000 Hilton points, enough for 4 five-night stays at Category 1 hotels, 20 total nights!

  • Sign Up Bonus: 75,000 Bonus Hilton Points after spending $2,000 in the first three months
  • Spending Bonus: Any year you spend $1,000 at Hiltons, you get 10,000 bonus points
  • Category Bonuses: 6x at Hiltons; 3x at supermarkets, drugstores, and gas stations; 2x on everyday spending
  • Value of Hilton Points: Worth 0.4 cents to me, but you can get a lot more value. Should be used for five night stays at Category 1-3 Hiltons to take advantage of cheap award prices and the fifth night free. 80,000 Hilton points = 20 free nights at Category 1, 10 at Category 2, and five at Category 3
  • Automatic Status: Hilton Silver Status as long as you hold the card
  • Global Acceptance: Visa, chip technology, but 3% foreign transaction fee. Do not use abroad
  • Annual Fee: none
  • Eligibility: You can get the bonus again as long as your last Citi Hilton has been closed for 24 months.
  • Full card breakdown and analysis

Apply: Citi® Hilton HHonors™ Visa Signature® Card

18

First things first: Chase customers well over the 5/24 limit are getting approved for the Sapphire Reserve after checking for pre-approval in-branch.

Now allow me to back up a bit.

This morning Scott wrote a full breakdown of the Chase Sapphire Reserve card, the newest and hottest travel credit card on the market that offers 100,000 bonus Ultimate Rewards after spending $4,000 on the card in the first three months.

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Amazing, right?

The sobering caveat is that Sapphire Reserve is a Chase card, which means it falls under the jurisdiction of the infamous Chase 5/24 rule. If you have opened five or more new credit cards in the last 24 months, you will be denied for Chase cards, including the Sapphire Reserve. That probably rules out a good deal of you reading this right now.

But–and this is a big but– it looks like there’s hope for you yet.

If you have any sort of relationship with Chase, whether that be a credit card, checking account, savings account, etc., than keep reading because you might be able to surpass the 5/24 rule. That is not to say you will be approved, but from what we’ve seen so far it increases your chances significantly by helping you at least bypass the first hurdle that cripples so many of us (leaving the decision up to other factors).

What to Do if You’re Over 5/24

This 5/24 loophole will only work if you have some sort of relationship with Chase already. You don’t necessarily need something like a checking account, savings account, or mortgage– a credit card account could suffice. The overarching factor to consider is the future value Chase sees in your relationship with them.

Step 1: Find the closest Chase location near you.  It doesn’t need to be the branch you normally visit or even in your home state, any location should be able to assist you.

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  • Step 2: Ask if the system shows that you are pre-approved for any credit card offers. At this point, you won’t have triggered any hard credit pull. You can decide once you hear if you’re pre-approved or not whether or not you want to pull that trigger, so you don’t have to risk a hard credit pull in vain.
    • If you are pre-approved, read Step 3a.
    • If you are not pre-approved, read Step 3b.
  • Step 3a: Proceed with applying in-branch. Looks like your chances are pretty good for approval according to reported data points. This comment today on Flyertalk claims the Chase banker they spoke to hadn’t seen anyone denied that was pre-approved. If you aren’t instantly approved, ask why and if there’s further information you can provide or actions you can take to help move along/change their decision.
  • Step 3b: I would stop here. Data points are reporting denial due to 5/24 from those that proceeded with applying despite not being pre-approved.

If you decide to go to a Chase branch to check if you’re pre-approved, write your experience in the comments no matter what the outcome to help guide other MileValue readers through this process.

I already applied online and was denied. Should I still try going to a branch and asking about pre-approval?

These three people report denied online applications followed by pre-approval and ultimately an approved application in-branch:

BONUS: If you can go into the bank the same day you are denied online, you could save yourself an extra hard credit pull as the inquiries will probably combine.

Bottom Line

If you’ve opened five or more credit cards from any issuing bank in the last 24 months but want the Chase Sapphire Reserve, try heading to the closest branch and asking if you’re pre-approved for any credit card offers if you have an existing relationship with Chase.

If you are pre-approved, I say it’s worth applying. If not, then don’t bother.

If the 5/24 rule doesn’t apply to you, then you can apply online.

Hat tip Doctor of Credit

14

The brand new Chase Sapphire Reserve offers 100,000 bonus Ultimate Rewards after spending $4,000 on the card in the first three months.

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Plus it offers up to $700 in statement credits in the first year of cardmembership.

There’s a $300 per calendar year to offset your first $300 in “travel” purchases. This broad category includes airfare, flight award taxes and fees, airline fees, hotels, Airbnb, car rentals, cruises, tolls/E-Z Pass, parking, Uber/Lyft, and taxis.

Everyone reading this blog must rack up well over $300 in such charges per year, so that’s basically free money, and since the credit resets after your December statement, you can get two $300 credits before your second annual fee is due. That’s $600 in statement credits in the first 12 months you have the card.

And there’s a $100 Global Entry credit.

The card offers valuable, transferable Ultimate Rewards; 3x points on travel and dining; and airport lounge access at over 900 lounges worldwide.

Quick Facts

  • Sign Up Bonus: 100,000 Ultimate Rewards after $4,000 in spending in the first three months
  • Statement Credits: First $300 in travel purchases each calendar year are offset; $100 Global Entry or $85 TSA Precheck Credit
  • Category Bonuses: 3x on travel and restaurants
  • Value of Ultimate Rewards: Worth 1.5 cents toward the purchase of any airfare or may other travel purchase OR can be transferred to seven airlines and four hotels for higher value
  • Lounge Access: Priority Pass Select Membership means free access to 900+ airport lounges worldwide
  • Global Acceptance: Visa, chip technology, and no foreign transaction fees
  • Annual Fee: $450
  • Eligibility: Chase 5/24 Rule

Sign Up Bonus

The Chase Sapphire Reserve offers 100,000 bonus Ultimate Rewards after $4,000 in purchases within the first 3 months of account opening. This would be a great card with half the bonus, but I’m not turning down a six figure sign up bonus.

Ultimate Rewards have two primary uses.

  1. Use them like cash to purchase airfare, hotels, car rentals, and cruises with no blackouts.
  2. Transfer them to miles with six airlines or four hotels. Then they are whatever miles or points you chose, subject to those rules.

If you use these like cash toward airfare, hotels, car rentals, and cruises, you will get 1.5 cents each of value, making the sign up bonus worth $1,500 toward travel without the hassle of searching for award space. When you redeem Ultimate Rewards like cash toward any flight, the operating airline sees you as a cash-paying passenger, so you earn miles for your flights.

As good as that sounds, don’t use Ultimate Rewards like this.

Instead of redeeming the points like cash, you can transfer your Ultimate Rewards to one of the 11 airline and hotel partners.

The airline partners are awesome because of their versatility. The partners include at least one member of each alliance plus Virgin Atlantic and Southwest. And they include at four programs with region-based miles, one with distance-based miles, and one with airline pointsScreen Shot 2016-08-24 at 3.20.44 AM

United miles are awesome for economy and Business Class awards with no fuel surcharges and great Saver award availability. Korean miles are awesome for the best First Class award space in the world or to fly Delta to Hawaii. Singapore miles are awesome to fly a double bed in the sky or to get to Hawaii or South America.

The most valuable hotel partner is Hyatt, but you’ll generally get more value transferring to airlines.

Screen Shot 2015-11-17 at 12.37.51 AMOverall, I value Ultimate Rewards at 2 cents each because of the transfer partners, so a 100,000 point bonus is worth $2,000 to me.

Statement Credits

Every calendar year, you get a $300 travel credit to offset your first $300 in purchases like:

Merchants in the travel category include airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages

This is an automatic credit that you don’t need to register for. Even better, it resets in December.

A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to $300 in statement credits annually (“annually” means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date).

That means that if you got the card now, you’d have about four months to get the first $300 in credit, and about eight months to get another $300 in credit before your next annual fee. That’s $600 in refunded travel purchases.

In addition, Chase Sapphire Reserve cardholders are entitled to a $100 statement credit when they pay the $100 Global Entry enrollment fee with their cards.

Global Entry is a United States Customs and Border Patrol program designed to let trusted travelers skip the immigrations and customs queues when arriving in the United States. Instead of spending time in line and talking to an agent, you tap a few buttons at a kiosk and get to the curb in a few minutes.

Global Entry also lets you use TSA Precheck lines in the US, even on domestic itineraries.

I would pay the $100 in a heartbeat for Global Entry even if I only traveled abroad once a year. When you can get it for free, it’s a no-brainer.

How and Why I Got Global Entry

Global Entry is good for five years, and you can get this credit once every four years.

Lounge Access

Chase Sapphire Reserve holders get a free Priority Pass Select membership. Priority Pass is the world’s largest independent airport lounge access program. Sapphire Reserve card holders get free Priority Pass Select membership, which entitles them to free access to 900+ lounges worldwide.

I downloaded the Priority Pass app on my phone, so I can search for participating lounges by airport while I travel. I seem to find one or more options at most international airports and tons of domestic airports.

Category Bonuses

The Chase Sapphire Reserve offers 3x Ultimate Rewards on travel and restaurants. Those are broad categories that include flights, hotels, car rentals, cruises, tolls, parking, Uber, taxis, restaurants, bars, fast food, and night clubs.

I’m salivating at the prospect of 3 United/Korean/BA/Singapore miles per dollar in these categories.

Fees

The Chase Sapphire Reserve has no foreign transaction fees. It also has chip technology for global acceptance, so it’s a great card for overseas travel.

The card has an annual fee of $450, and the first one is due on your first statement. If that is offputting, you totally missed the part about the $700 in statement credits you can get during your first 12 months, and the bonus points worth $2,000 to me.

Eligibility to Be Approved

If you have opened five or more new credit cards in the last 24 months, you will be denied for Chase cards, including the Sapphire Reserve. This is the so-called Chase 5/24 rule.

Bottom Line

I think the Chase Sapphire Reserve is the best credit card offer ever. The bonus points are worth $2,000 to me, the first year statement credits are worth $700 to me, and the lounge access and 3x category bonus are incredible. All of that swamps the $450 annual fee in my opinion.

If you aren’t limited by Chase’s 5/24 rule, you should get this card.

3

I originally published this post a couple weeks ago but have updated it today (8/16/16) to reflect the latest news.

There were rumors flying around the internet about a new premium travel credit card to be released by Chase on August 21, 2016 called the Sapphire Reserve. The rumors now look to be confirmed.

Doctor of Credit has published screenshots of what bankers have already been told about the new card. Frequent Miler also said his own banker confirmed existence of the Sapphire Reserve. Then yesterday, The Points Guy reported that Chase confirmed it with them directly (and Chase officially tweeted it).

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Here’s the sign up offer.

  • $450 Annual Fee
  • 100K Ultimate Rewards Sign-up Bonus for spending $4,000 within three months of opening the card
  • $300.00 Annual Airline Credit
  • Access to 900+ lounges worldwide (Priority Pass Select)
  • Redeem Ultimate Rewards directly on airfare (any airlines) for a value of 1.5 cents each
  • 3X Points Travel
  • 3X Points Dining (Yes, 3X for Dining!)
  • $100 Global Entry Free credit
  • Visa Infinite

A move like this from Chase makes a lot of sense from a competitive standpoint. Chase is the only big issuing bank that doesn’t have a premium credit card. By premium, I mean a card with a large annual fee that is (depending on the type of traveler and spender you are) often justified by large benefits, like:

How the Rumored Sapphire Reserve Stacks Up to the Competition

The annual fee projection is the standard $450 that other premium cards charge, so no surprise there.

The minimum spending requirement is $4,000 for the massive 100k Ultimate Reward sign-up bonus, which is also on par with the competition. It goes without saying that the sign-up bonus is competitive. We value Ultimate Rewards at 2 cents each which would make that bonus worth a staggering $2,000. How long that inflated sign-up bonus will last until they match the going market rate is up for debate, but I can’t see it lasting for too long when the Citi Prestige® Card and Amex Platinum cards offer 40k to 50k bonuses in their own point currencies.

The Airline Credits are competitively higher ($100 higher than Amex’s, and $50 higher than Citi’s). More on that below.

Priority Pass Select membership grants access to over 900 lounges worldwide and is a standard premium card benefit.

A direct redemption rate on all airlines of 1.5 cents per Ultimate Reward is one of the most competitive aspects of the Reserve’s offer. The Prestige offers a less valuable rate for redeeming ThankYou Points directly (1.33 cents with the current offer, and that changes to 1.25 cents as of July 23, 2017). Membership Rewards earned from the Platinum cards have a direct redemption rate of a meager 1 cent each.

A 3x category bonus for spend on travel is good– same as the Prestige’s and better than Amex’s premium cards.

A 3x category bonus on dining is exceptional and perhaps the most standout item on the benefit list, at least from a long term perspective. No other directly competitive card offers 3x for dining.

You can get up to $100 reimbursed on your card statement for the Global Entry Fee or TSA Pre® . This is a standard benefit offered by premium credit cards, so again, Chase is right on par with the competition in this aspect.

The Visa Infinite program’s benefits are all luxury travel related. Doctor of Credit describes them in detail here. No other premium card is a part of the Visa Infinite program, but the Prestige offers the fourth hotel night free benefit and the Amex Platinum grants Hilton Gold status.

$600 in Airline Credit Before 2nd Annual Fee = $150 in free Airline Credit

Assuming the Airline Credit would be available on a calendar year basis (like the Citi Prestige), then the annual fee would be more than made up for in the first year of card membership because you could get $600 in Airline Credit before the second annual fee hits.

For example, if you signed up for the Sapphire Reserve in October 2016, you’d have until the end of December 2016 to use the first calendar year’s $300 credit. Then between January 2017 and October 2017 you’d have another $300 credit to spend before the annual fee hits for the second year of card membership.

That means you’d come out $150 on top (in airline credits) before the second annual fee is collected after subtracting the first annual fee from the total amount of airline credit you can earn in a year of card membership:

($600 Airline Credit – $450 Annual Fee = $150 free Airline Credit)

Of course, if you don’t spend that much on cash tickets for flights/award taxes & fees/in-flight purchases/airline gift cards/etc, then you probably shouldn’t even be considering a premium card like this, as that is what mainly justifies paying at least one annual fee.

Remember, This is a Chase Card

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Photo by Mike Mozart

Will the Chase 5/24 rule apply to this rumored premium card? Well, we thought so.

But there were early application links floating around yesterday (now dead), and Interestingly, this reddit.com/r/churning survey has data points from people that applied. The majority of applicants were over the 5/24 limit, and of those people, the majority were approved anyway.

Bottom Line

Rumor had it that Chase is set to release a premium travel credit card called the Sapphire Reserve on August 21, and we now have all the reason needed to believe those rumors as true. It will be Chase’s first premium travel credit card and will compete with the likes of the Citi Prestige® Card and the Platinum Card® from American Express.

Chase’s existing Sapphire Preferred card is consistently on our Top 10 list of best travel credit cards. It comes with 55,000 Ultimate Rewards after a $4,000 minimum spending requirement and adding one authorized user, as well as 2x category bonuses on travel and dining expenses.

The Sapphire Reserve will undoubtedly make the Top 10 cut as the Sapphire Preferred’s sexier older sister.

1

The Chase Ink Plus business credit card is offering 60,000 bonus Ultimate Rewards after spending $5,000 in the first three months. During this offer, the annual fee of $95 is NOT waived the first year.

The normal offer for the Ink Plus card by Chase is 50,000 points after spending $5,000. Normally the annual fee is waived, so this offer is for 10,000 extra points at a cost of 95 extra dollars.

Below is a breakdown of the sign-up offer.

Quick Facts

  • Sign Up Bonus: 60,000 Ultimate Rewards after $5,000 in spending in the first three months
  • Category Bonuses:  5x at office supply stores and on cable TV, landline, cell phone, and internet bills on first $50k spending in 5x categories per year; 2x at gas stations and on hotels booked directly through a hotel on first $50k spending in 2x categories per year
  • Value of Ultimate Rewards: Can be transferred to 6 airline miles and 4 hotel points or used like cash toward the purchase of any flight at a rate of 1.25 cents per point. I value Ultimate Rewards at 2 cents each, and I would not use them like cash toward the purchase of a flight. I would mainly transfer them to United miles.
  • Global Acceptance: Chip technology and no foreign transaction fees
  • Annual Fee: $95 annual fee

Sign Up Bonus

The Chase Ink Plus business credit card is offering 60,000 bonus Ultimate Rewards after spending $5,000 in the first three months. No end date is known for this sign up bonus.

Ultimate Rewards have two primary uses.

  1. Use them like cash to purchase any flight on any airline with no blackouts at a rate of 1.25 cents each. Please don’t use your points like this.
  2. Transfer them to miles or points with 10 travel partners. This is the best way to use them.

Ultimate Rewards transfer 1:1 to:

Category Bonuses

The Chase Ink Plus offers 5 Ultimate Rewards per dollar at office supply stores and on cable TV, landline, cell phone, and internet bills on the first $50k in spending in 5x categories per year.

Office supply stores sell a lot of gift cards, so you can greatly expand the reach of the 5x categories.

The card also offers 2x at gas stations and on hotels booked directly through a hotel on the first $50k spending in 2x categories per year.

Can You Get a Business Card?

The Chase Ink Plus is a Business Card. Here is some information about getting Business Cards. I noticed that I got approved more easily for business cards when my business had revenue, and I estimated I’d spend at least $1,000 per month on my new card.

Fees

The Chase Ink Plus has no foreign transaction fees. It also has chip technology for global acceptance, so it’s a great card for overseas travel. Although you should take note that, while minimal, currency conversion fees tend to be higher on Visas than MasterCards (and the Ink Plus is a Visa).

The card has has a $95 annual fee that is not waived.

Chase Application/Approval Rules

Applications for all Chase cards that earn Ultimate Rewards are being denied if the applicant has applied for 5+ credit cards–personal or business–in the last two years from any issuing bank. This has been labeled the 5/24 Rule.

That is why for the reasons presented in this post, the Ink Plus is one of the first three cards I recommend you get if you can get a business card.

Bottom Line

I think the Ink Plus by Chase is the best business credit card out there that offers travel rewards– especially if your business is still growing and doesn’t have a lot expenses because you’ll get a lot out of its valuable sign-up bonus.

This card is not for everyone. It isn’t for you if you spend more money when you pay with a credit card than when you pay with cash. It isn’t for you if you don’t pay your cards in full each month. It isn’t for you if you can’t meet the minimum spending requirement. If none of those points apply to you, then I would seriously consider the Ink Plus.

0

The US Open begins August 29 in Flushing, New York. Chase customers can register here to reserve a free spot at Chase’s Lounge for access to air-conditioning and complimentary snacks and beverages during the world class tennis matches.

To be clear, you still have to purchase tickets to the US Open– this free reservation at the Chase Lounge is solely for entrance to the lounge. But with temperatures in New York climbing that time of year and pricey drinks, a lounge with air conditioning and refreshments would no doubt be appreciated. Just make sure you register ahead of time as spots are limited.

How to Get a Free Spot in the Chase Lounge

1. Register here by inputting the Chase customer service number in the New User Login boxes. That’s the only verification of being a chase customer that is needed.

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2. You’ll be given 19 different time slots to choose from. You can reserve spots for up to four people total in any session that has availability. The four spots don’t all have to be reserved for the same time, you can spread them across different sessions (or even book a spot for yourself in four different sessions if you wish).

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FYI, Mark Jackson commented on this One Mile At a Time Post that last year the Chase Lounge was only serving alcoholic beverages during the evening sessions.

3. You should receive a confirmation that looks like this once you pick your sessions. The first bullet point in the confirmation suggests printing or taking a screenshot to facilitate an easier check-in process when you arrive.

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4. If you want to change your reservation at any point, you must do it at least 24 hours prior to the event.

Here are the full terms & conditions (click to enlarge).

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SPG Moments Packages for US Open Tickets

SPG Moments offer one-of-a-kind musical, sporting, or cultural experiences to Starwood Preferred Guest members.

While you should normally save your Starpoints for transferring to an airline partner, SPG occasionally offers incredible value through Moments by SPG. In December of 2014, Scott won two tickets to a Capital Cities concert in Buenos Aires that came with a chance to meet the band and a cocktail reception for only 6,000 SPG Starpoints through an SPG Moments auction.

SPG is offering Moments by SPG packages for the US Open as Starwood is a sponsor.

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Most of the bidding for these packages start at above 50,000 Starpoints (which I value at 2.5 cents each, so more than $1,250). But if you’re a big tennis fan, one of these packages could be worth it to you. Before buying one of these packages, just make sure to compare the cash price of the ticket outright out with your valuation of the amount of Starpoints required to make sure you’re getting a deal.

A lof of the prime US Open tickets are already sold out, so in that case an SPG Moments package could be very appealing for you tennis fans that didn’t plan ahead.

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Arthur Ashe Stadium, Photo by slgckgc

Bottom Line

Register here to reserve a free spot at Chase’s Lounge at the 2016 US Open in New York. You can also bid on an SPG Moments package for US Open tickets using Starpoints.

Do you have the Chase Freedom card? Book a car rental or hotel with it in July and get 10% cash back or 10 Ultimate Rewards per dollar (if you have a Sapphire Preferred or Ink Plus).

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The Deal

  • Offer is valid for purchases made July 1 – July 31, 2016
  • 10x is only valid on up to $2,500 in purchases
  • To qualify, must be a car rental or hotel reservation booked through ChaseUltimateRewards.com
  • Travel does not have to be completed within July, you can rent a car or reserve a hotel room for whenever

Although the promotion is for 10% cash back, you can actually earn 10 Ultimate Rewards per dollar if you have a Chase Sapphire Preferred or Ink Plus card since there is a second way of redeeming the Ultimate Rewards: transfer them to your Sapphire Preferred or Ink Plus account and from there to airline miles or hotel points. I call this the Freedom Two Step.
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I value Ultimate Rewards at two cents each, so by completing the Freedom Two Step with Ultimate Rewards earned on your Freedom through this promotion, you would essentially be getting twice as good of a rebate than if you didn’t move the points over to your Sapphire Preferred or Ink Plus.

Don’t Forget to Compare Potential Award Earnings

If you spent the full amount on your Freedom that you can earn 10x Ultimate Rewards on, $2,500, that would be like earning 25,000 Ultimate Rewards (worth about $500) if you have the ability to transfer those points to a Sapphire Preferred or Ink Plus account. While this might sound like a stellar deal right off the bat (and don’t get me wrong, it is a good deal), you need to compare potential award earnings through other sources.

First of all, you most likely will not earn points from the hotel or car rental’s loyalty program if you book through ChaseUltimateRewards.com (since it would be through a third party).

And if you have a Citi Prestige® Card, you could book your hotel or car rental on that for 3x ThankYou Points on top of the points you would normally earn from the hotel or car rental’s loyalty program. You could also take advantage of the fourth night free benefit if you plan on staying at least four nights.

Finally, Rocketmiles is worth a look. They are currently running an AAdvantage promotion for first time users that guarantees at least a 5k mile bonus on top of what you would normally earn for booking a hotel through the site.

Bottom Line

You can earn 10% cash back (or 10x Ultimate Rewards per dollar spent) by putting car rentals or hotel nights on your Freedom card for the entire month of July.  This could be a great deal for you depending on the opportunity cost.

14
Update 6/29/2016: These increased sign-up bonuses end TOMORROW, June 30, 2016! You have two days left to take advantage! 

The United MileagePlus Explorer Card is currently offering a limited time sign-up bonus offer targeted to United MileagePlus account holders:

  • 70k bonus miles after spending $3,000 in your first three months as a cardmember + 5k miles for adding an authorized user + $50 statement credit after first purchase (annual $95 not waived first year). You’ll also earn at least 3k miles from 1x spending to unlock the sign-up bonus, so that’s at least 78k miles.

There is also a limited time offer on United’s website (if you’re signed in to your MileagePlus account):

  • 50k bonus miles after spending $3,000 in your first three months as a cardmember + 5k miles for adding an authorized user. Annual $95 fee not waived first year. You’ll also earn at least 3k miles from 1x spending to unlock the sign-up bonus, so that’s at least 58k miles.

This is the normal offer through Chase’s website:

  • 30,000 miles after spending $1,000 within three months of opening the account + 5,000 miles for adding an authorized user + 1k miles from 1x spending to unlock the sign-up bonus  = at least 36k miles

How to Check if You’re Targeted for 70k

  1. Log in to your United MileagePlus account on United.com’s homepage.
  2. Click this link.

Card Benefits

  • Either a 30k, 50k, or 70k mile sign-up bonus
  • 5k mile bonus for adding an authorized user**
  • 10k mile bonus when you spend $25,000 in net purchases each year
  • Earn 2 miles per dollar spent on tickets purchased from United
  • Earn 1 mile per dollar spent on all other purchases
  • $50 statement credit after first purchase (only being seen as a benefit with the 70k targeted offer)
  • Free first checked bag for cardmember and one companion on United flights purchased with Explorer Card
  • Priority boarding
  • No fees on foreign transactions
  • EMV chip provides more security and global acceptance
  • 2 United Club passes per year
  • Annual fee is $95 for the 70k targeted offer, as well as the 50k offer on United’s website– it is not waived the first year of card membership. For the public offer through Chase’s website, the annual fee is waived the first year and is $95 thereafter.
  • Cardholders get more United award space than non-cardholders

**Add an authorized user to the account during the application for an easy 5k mile bonus– this applies to all offers, targeted and public. The extra card will be sent to you, so you can always decide not to give it to the authorized user. The authorized user will not be precluded from opening his own account with a 50k mile bonus later. You will receive the 5k miles after one purchase is made on the authorized user’s card.

Data Points of Targeted Offers

When I sign in to my United MileagePlus account, I see a sign-up bonus offer of 50k miles after spending $3,000 within three months of opening the account (+5k after adding an authorized user):

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Multiple Doctor of Credit readers have reported receiving a 70k mile offer (like this one posted by reader Red) for spending $3,000 within three months of opening the account (+5k after adding an authorized user):

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Why Collect United Miles

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Star Alliance Members

As I explained in the Basics of United MileagePlus, United is one of my favorite mileage programs because:

  • United miles can book flights on all 27 Star Alliance members, the biggest alliance with the best award space worldwide.
  • United doesn’t collect fuel surcharges.
  • United has great prices on economy awards and reasonable prices on awards in its own fully flat bed BusinessFirst and Global First products that I’ve flown many times and found very comfortable each time.

However, do not collect United miles to use in luxurious First Class on its partners’ flights. Since United introduced a separate, higher-priced award chart for premium cabin awards on its partners, these flights are a terrible deal.

Chase Matches

Chase is the best about matching people who have applied for and been approved for inferior offers to the best available offer. You can always send a Secure Message through chase.com to ask to be matched to a better offer on a card you have. In my experience, Chase will only match you if you were approved within 90 days of your Secure Message. Your experiences may vary. Share them in the comments.

Doctor of Credit reported that people who applied with lower sign-up offers within the last 90 days and are now targeted for the 70k offer have had success matching by sending screenshots of the higher offer to Chase.

Eligibility

You can only get the bonus on the same Chase card once every 24 months. This 24 month clock starts when you got the last bonus (which may be several months after you got the card). Read more about issuing bank rules for approvals and new bonuses here.

The Chase 5/24 rule (that your application will be denied if you’ve opened five credit cards from any institution within the last 24 months) applies to the official public offer for the United MileagePlus Explorer Card, and I think it might also apply to targeted offers– see comment below this post. Let us know in the comments if you have any experience with the 5/24 rule in regards to these targeted offers.

Bottom Line

Check to see if you’re targeted for one of these inflated sign-up bonus offers for the United MileagePlus Explorer Card by signing into your MileagePlus Account on United.com and then clicking this link. You could earn up to 78,000 United miles for spending $3,000 within three months of the account opening and adding an authorized user.

I have a friend who, after about five months off from applying for any new cards, decided to give it another go recently. He is writing a series for MileValue on his experience. Below is Part 2: applying for the Ink Plus and the British Airways Visa Signature by Chase, as well as the Alaska Airlines Visa Signature and Business credit cards by Bank of America. Read Part 1 if you haven’t, where he explains how he decided on those cards. Take it away, buddy:

In Part 1 of my story, I explained to you why I decided to apply for the following cards:

  • the Ink Plus by Chase
  • the British Airways Visa Signature by Chase
  • the Alaska Airlines Visa Signature card by Bank of America
  • the Alaska Airlines Visa Business card by Bank of America

To put it simply, I decided on applying for the Ink Plus and the British Airways cards as a last ditch effort–to see if I could slip them in before the Chase 5/24 rule completely solidifies. People on FlyerTalk have been reporting lots of denials and some approvals, so I wanted to give it a shot. Might as well, since I don’t plan on taking any two year breaks from this hobby any time soon and the longer I wait, the less likely I am to be approved.

The Alaska cards I decided on because I didn’t want to add a ton of required spend to the $7,000 I would need to put out for the Chase card bonuses. I found a link to apply for the personal card in this Flyertalk thread that offers 25,000 miles just for signing up, and the business card’s official public offer only requires one purchase to earn the 25,000 mile bonus.

Read on to find out what happened when I applied.

Applying for the Chase Cards

I started with the Chase cards, the Ink Plus and the British Airways Visa Signature, and received the same response.

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Both applications would require further review. Buzz kill. All things considered, 90% of me was expecting this response, so I couldn’t be too disappointed.

I immediately returned to the FlyerTalk thread I found about applying for Chase cards, in search of the reconsideration phone number as it is standard practice to call when you receive this type of pending application response from a bank. But as I was skimming through the wiki at the top of the thread, I came across the following statement:

“It may be better to avoid calling Chase unless your application is denied. Many recent calls on pending applications led to denials, and many people report having success letting applications work their way through the system. Be patient. Time is on your side; increasingly, Chase [customer service representatives] are not.”

I found this to be interesting and also make sense, so I heeded the advice and didn’t call the reconsideration line.

Applying for the Bank of America Cards

Next up was the Alaska Airlines Visa Business card, which I was auto-approved for!

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The final application was for the Alaska Airlines Visa Signature card. Perhaps it was because I filled out the application just minutes after I had applied for the business card, I’m not sure, but I received another “we can’t give you a decision right now” pop-up:

Screen Shot 2016-05-31 at 3.10.53 PM

The FlyerTalk thread that discusses the application process for the Alaska cards does not advise against calling Bank of America’s reconsideration line like the Chase thread did, so I called 1-866-811-4108 to discuss my application with a Bank of America representative.

I am accustomed to this conversation as I have had it multiple times before. I always start out with the same line:

“Hello, I recently applied for your ____________ card and was told that more time was needed to review my application. I am calling to see if there is any information I can provide you with that would help speed along that process.”

I always strive to sound extra friendly. The reps on the other end have never ask me more than surface level questions that I already answered on the credit card application.

And that’s exactly how this call to Bank of America reconsideration went. The rep asked me who I worked for and what I did for a living, to which I answered briefly and truthfully. And that was it. He congratulated me on approval, and let me know that I would get my card in the mail in the next seven to ten business days.

The 25,000 miles from opening the personal card have already hit my Alaska Mileage Plan account, and the other 25,000 from the business card will hit shortly, once I purchase something with it and this month’s statement closes.

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Waiting Out Chase

In the next post, I’ll have Chase’s decisions about my applications for the Ink Plus and the British Airways Visa Signature. Dun…dun…dun…cliffhanger!

Final Words by Scott

Curious as to how his luck turns out with the dreaded Chase 5/24 rule? I am. Tune in next time to see the results!

If you want to apply for the British Airways Visa Signature,  Alaska Airlines Visa Signature, or the Ink Plus (all mentioned in this post) please consider doing so through the links below. I receive a commission, and your support keeps this blog going.

I have a friend who, after about five months off from applying for any new cards, decided to give it another go recently. He is writing a series for MileValue on his experience. Below is Part 1, where he decides on a new round of credit cards: the Ink Plus and the British Airways Visa Signature by Chase, as well as the Alaska Airlines Visa Signature and Business credit cards by Bank of America. Take it away, buddy:

I travel often, and for me to keep my expenses down and maintain the lifestyle that I want, I sign up for credit cards that earn me a lot of rewards that I can cash in for basically free flights. I imagine many of you are like me, to some degree.

I tend to apply for credit cards in batches, all on the same day. This is because I subscribe to the school of thought that if I apply all at once, the banks won’t see what each other are doing as all of the credit inquiries are being processed at the same time. Whether I apply all on the same day or spread out over time, I know the affect on my credit score will be more or less the same. I choose to apply in batches because I think it improves my chances of being approved for multiple cards in a short span of time.

My last round of applications were done in this manner, all on Christmas Eve of 2015. What greater present could I give myself than a bunch of free travel? I applied for five different cards, and my credit score (expectedly) took a dip. This ain’t my first rodeo, so I didn’t panic.

One of the perks I really appreciate about my Citi Prestige® Card is that I can check my real FICO score,  so I monitored it on citi.com

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… and also expectedly, after a few months, my score bounced right back up.

So I started researching what cards would best suit my travel needs, considering what cards I had gotten before and what cards I currently have compared with the latest and best offers. Scott’s articles about issuing banks rules for approvals and new bonuses and the Top 10 Travel Credit Cards both really helped with the research.

I decided to set my sights on:

  • the Ink Plus by Chase
  • the British Airways Visa Signature by Chase
  • the Alaska Airlines Visa Signature card by Bank of America
  • the Alaska Airlines Visa Business card by Bank of America

How did I reach that conclusion?

Thoughts on The Current State of Chase Credit Cards

Unless you stumbled upon this blog post by accident, there’s a good chance you already know what the Chase 5/24 rule is. In a nutshell, the rule is that if you have opened any five credit cards, not just Chase cards, within the last 24 months, then your Chase application will be denied.

About a year ago, Chase started enforcing this dreaded rule to the purely Chase-branded personal cards, i.e. the Chase Sapphire Preferred, Freedom, Freedom Unlimited, and Slate. Then there were rumors that in March of this year, this 5/24 rule would also start applying to Chase’s Ink cards, and in April, to the remainder of the personal and business co-branded cards.

chase screenshot

I was really bummed about that news since I have certainly opened more than five cards in the last two years, and the Chase cards offer some of the best sign-up bonuses and perks out of any of the travel cards out there.

I looked on FlyerTalk to see if the rumors were true. The reports I read on this FlyerTalk thread about applying for Chase cards were mixed– many denials but still some approvals. What was clear was that the longer I waited, the less chance I would have of getting any Chase cards as more people (with five or more cards opened in the last two years) were seeing more denials as time passed. I saw my options as either:

A) Apply now and risk the denials to see if I can slip in before the 5/24 rule solidifies

B) Go two years without any new card applications, and then go after the Chase cards I want

Option B was not appealing in the least as I travel often and burn through miles pretty steadily. I decided the risk of a denial was worth the possibility of 60,000 Ultimate Rewards and 50,000 Avios.

My spending power isn’t greater than the $7,000 in three months required to unlock the sign-up bonuses on the Ink Plus and British Airways Visa Signature (assuming I am approved), so in my mind that left only two more options for this round of applications: the Alaska Airlines cards, personal and business versions.

Thoughts on the Current State of Alaska Airlines Credit Cards

The Alaska Airlines cards are known in the miles community as an easy way to keep a stream of valuable miles coming in without any serious spending required.

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Prior to May 2016, the public offer for the Alaska Airlines Visa Signature card did not require any spending whatsoever– you received the 25,000 mile bonus after simply signing up and paying the $75 annual fee. The Alaska Airlines Visa Business card has always (and still does) require just one purchase to earn the 25,000 mile bonus, and also has a $75 annual fee.

Now the public offer for the personal card is a sign-up bonus of 30,000 miles after spending $1,000 within three months of opening the account, which is still quite a low spending requirement, but I didn’t want to add even $1,000 to the $7,000 I would need to spend to earn the bonuses on the Chase cards as a I don’t think I’ll have that kind of spending capacity. So I looked to FlyerTalk in hopes of finding an old link with the 25,000 mile bonus in exchange for the $75 annual fee. I found one here at the top of this thread that is still active: Alaska Airlines card offers, Personal & Business, 25K and up.

I already have two Alaska cards, one personal and one business card, but all evidence I read still points to the Alaska Airlines credit cards as being churnable. I decided to proceed with applying for two more (one each of the personal and business cards).

Preparing for My Applications

I learned from reading Scott’s primer about the Alaska cards that calling into Bank of America to lower the credit limits on my existing Alaska cards would smoothen the process of applying for two more. The logic behind that makes sense to me– it reduces Bank of America’s exposure to risk– so I called customer service (1.800.732.9194) to complete the process. The representatives didn’t ask many questions, just did as they were told.

As for the Chase cards, I had no preparations to make. After waiting a week to make sure the credit limit decreases on my existing Alaska cards were official, I was ready to start the application process.

Final Words by Scott

Stay tuned for more follow up posts to see how his applications turn out.

If you want to apply for the British Airways Visa Signature,  Alaska Airlines Visa Signature, or the Ink Plus (all mentioned in this post) please consider doing so through the links below. I receive a commission, and your support keeps this blog going.

The Chase Sapphire Preferred card is one the best travel cards on the market at the moment. It ranks #4 out my Top 10 Travel Credit Cards for May 2016.

Quick Facts

  • Sign Up Bonus: 55,000 Ultimate Rewards after $4,000 in spending in the first three months and adding an authorized user on the card
  • Category Bonuses: 2x on travel and restaurants
  • Value of Ultimate Rewards: Worth 1.25 cents toward the purchase of any cash ticket OR can be transferred to any of these six airlines and four hotels for higher value:
    • British Airways
    • Korean Air
    • Singapore Airlines
    • Southwest Airlines
    • United Airlines
    • Virgin Atlantic
    • Hyatt Gold Passport
    • IHG
    • Marriott Rewards
    • Ritz-Carlton Reward
  • Global Acceptance: Chip technology and no foreign transaction fees
  • Annual Fee: $0 for the first 12 months, $95 per year afterwards

There are 10 reasons why I am a fan of the Chase Sapphire Preferred.  

1. You will earn 50,000 Ultimate Rewards for the sign-up bonus.

2. You will earn 5,000 Ultimate Rewards after adding an authorized user.

3. Ultimate Rewards transfer to a variety of airline frequent flyer programs that employ three different types miles.

4. You can get that sign-up bonus again after a little more than 24 months.*

5. It makes your Chase Freedom and Freedom Unlimited card MUCH more valuable

6. Transfer Ultimate Rewards to Virgin Atlantic to fly to Europe for only 17,500 miles!

7. The card is accepted globally with no foreign transaction fees.

8. No annual fee collected the first year.

9. Baggage delay insurance

10. A live human being picks up the phone when you call Sapphire Preferred’s customer service.

Top 10 Reasons to Get the Sapphire Preferred

1. You will earn at least 54,000 Ultimate Rewards with the sign-up bonus and the spending it takes to unlock it. 

I value Ultimate Rewards at 2 cents each, so to me 54,000 Ultimate Rewards are worth $1,080.

You will more than likely earn even more than that if any of your spending is in restaurants or on travel, since those categories earn 2x for ever dollar spent.

2. You will earn 5,000 Ultimate Rewards after adding an authorized user. 

Definitely do this. The authorized user does NOT get a credit check. The authorized user is NOT disqualified from opening their own Sapphire Preferred and getting their own sign up bonus. The extra card is sent to you, and need not ever be used to earn you the 5,000 points. That brings the my sign-up bonus valuation to $1,180:

 $1,080 + (5000 x .02) = $1,180

Not to mention your authorized user can help you reach that minimum spending requirement much faster than you could on your own.

3. Ultimate Rewards transfer to a variety of airline frequent flyer programs that employ three different types miles.

Out of the airline transfer partners’ frequent flyer programs, four use region-based miles, one uses distance-based miles, and one uses airline points. You can read more about the different types of miles here.

It’s important to diversify across the types of miles because they all have different strengths. You want to have the best mile for the job, and you want to use the types of miles in concert.
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4. You can get that sign-up bonus again every 24 months.*

You can get the bonus on the same Chase card once every 24 months. This 24-month clock starts when you got the last bonus (which may be up to three months after you got the card).

5. It makes your Chase Freedom and Freedom Unlimited card MUCH more valuable.

The Chase Freedom and Freedom Unlimited are marketed as cash back cards. The Freedom earns 5x spending on rotating category bonuses (as well as 1x on normal sepdning) and the Freedom Unlimited earns 1.5x on all spending. But in fact, the card earns points that can be converted to cash back or can be converted, through a process I call the Freedom Two Step, to much more valuable airline miles and hotel points.

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The basic idea is that while the Freedom’s Ultimate Rewards do not transfer to airline and hotel partners, if you have a Sapphire Preferred or Ink Plus, you can transfer the points to those cards’ accounts, and from there to airlines and hotels. Having a Sapphire Preferred turns the Freedom and Freedom Unlimited into the most valuable cards for non-bonused spending. No other cards come close to offering 1.5 United/Korean/Singapore/BA/Southwest/Hyatt miles or points per dollar (Freedom Unlimited) or definitely not 5 United/Korean/Singapore/BA/Southwest/Hyatt miles or points per dollar on non-bonused spending.

6. Transfer Ultimate Rewards to Virgin Atlantic to fly to Europe for only 17,500 miles

You can fly Virgin Atlantic economy from Atlanta, Boston, New York, Washington DC, Chicago, or Detroit to London for 17,500 miles and $134.60 in taxes and fees (yes, there are fuel surcharges).

Using American Airlines miles, United miles, or Delta miles, the same flight would cost you 30,000 miles. I think it is worth saving 12,500 miles for $129 in fuel surcharges. That’s like buying miles for 1 cent each.

With the Ultimate Rewards you earn from the sign-up bonus + spending to get the sign-up bonus + adding an authorized user (59,000), you could fly to London three times and still have miles left over.

7. The card is accepted globally with no foreign transaction fees.

The Sapphire Preferred’s chip technology provides added security so you can feel safe trotting around the globe with it. And you won’t pay any pesky foreign transaction fees that can really kill the value of your awards (on many cards these fees amount to 3% of every transaction– yikes!).

When you travel as much as I do, cards with foreign transaction fees get very little to no love. And all those foreign frequent flyer programs you transfer your points to to book awards? You need a card like the Sapphire Preferred to put the taxes and fees on, unless you want to pay 3% on top.

8. No annual fee collected the first year.

The $95 annual fee is waived for the first year that your account is open. Most cards with as many perks as the Sapphire Preferred do not waive the annual fee.

9. Baggage delay insurance

This screenshot is from the Sapphire Preferred’s Featured Benefits page:
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That is stellar travel protection, offering a nice silver lining to an otherwise aggravating situation. I don’t have any personal experience with this but I did meet someone traveling in Argentina who held a Sapphire Preferred card. She was without her luggage for about a week, but an extra $100 in her budget every day made for some quality souvenirs and a good time shopping.

10. A live human being picks up the phone when you call Sapphire Preferred’s customer service.

Every Sapphire Preferred card has a customer service phone number on the back. When you call, you are not put through 19 prompts and transfers until you reach an actual (helpful) human being. A short recording plays that informs you the call will be recorded, and then a person that speaks English natively picks up. This is something that all companies–not just credit cards–could learn from in these days of never ending menus to get to a person who can solve your problem.

*Chase 5/24 Rule 

I put an asterisk by reason #4 because of a rule Chase enforces that must be considered before you apply for their cards, whether it’s for the first time or as a repeat. Make sure you haven’t opened five credit cards (any cards from any bank) within the last 24 months, or your application for the Sapphire Preferred will be denied. This is called the Chase 5/24 rule.  If you can’t remember if you’ve opened five cards in the last two years, check by requesting a credit report from one of the three national credit bureaus:

The dates in which you opened and closed accounts should be listed on all of them. You are entitled to one free credit report from each bureau per year.

Bottom Line

I am a big fan of the Chase Sapphire Preferred for numerous reasons–the high value and diversified reward earning potential, lack of foreign transaction fees and impressive customer service are just a few.

What do you love about your Chase Sapphire Preferred?

While I can not directly link to the current Sapphire Preferred offer, you may find it by clicking below if you decide to apply. (I receive a commission, and your support keeps this blog going.)

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