Tags Posts tagged with "Chase"

Chase

Chase Ultimate Rewards just added Air France Flying Blue miles as a transfer partner. The MileValue Award Booking Service is standing by to book your awards with Flying Blue miles! Chase now has seven airline partners and four hotel partners.

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You can now log on to chase.com and transfer your Ultimate Rewards at a 1:1 rate to Flying Blue miles in increments of 1,000.

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Flying Blue miles are valuable to fly Delta flights within western Hemisphere, several airlines to North Africa or Israel, and Air France/KLM to Europe on Promo Awards for as little as 25,000 miles roundtrip.

ThankYou Points, Membership Rewards, and Starpoints already transferred 1:1 to Flying Blue miles, but this news just makes getting the miles easier than ever, since the Ink Plus and Sapphire Preferred are offering humungous sign up bonuses.

The Sapphire Preferred is one of the best personal credit cards on the market. It offers:

  • 50,000 bonus Ultimate Rewards after spending $4,000 in the first three months
  • 5,000 bonus Ultimate Rewards for adding an authorized user
  • 2 Ultimate Rewards per dollar on travel and dining purchases
  • 1 Ultimate Reward per dollar on all other purchases
  • no annual fee the first year and $95 thereafter

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.)

The Ink Plus is easily the best business card on the market. It offers:

  • 60,000 bonus Ultimate Rewards after spending $5,000 in the first three months
  • 5 Ultimate Rewards per dollar at office supply stores and on cellular phone, landline, internet and cable TV services
  • 2 Ultimate Rewards per dollar at gas stations and hotel accommodations
  • 1 Ultimate Reward per dollar on all other purchases
  • $95 annual fee

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

Flying Blue Award Chart Sweet Spots

  • Rotating Promo Award: 25,000 Flying Blue miles + $112 + taxes roundtrip from select US cities to Europe, North Africa, or Israel
  • Rotating Promo Award: 62,500 Flying Blue miles + $404 + taxes roundtrip in Business Class from select US cities to Europe, North Africa or Israel
  • 30,000 Flying Blue miles + $5.60 in taxes/fees- Mainland US to Hawaii roundtrip in Delta Economy (although Korean, also an Ultimate Rewards partner, charges only 25k roundtrip for the same flights)
  • 25,000 Flying Blue miles + $122.81 in taxes/fees- US to Mexico roundtrip in Delta Economy
  • 50,000 Flying Blue miles – US to Israel roundtrip in Economy, with taxes/fees as low as $122.13 depending on what carrier you fly
  • 50,000 Flying Blue miles – US to North Africa roundtrip in Economy, with taxes/fees as low as $123.48 depending on what carrier you fly

All these awards can be booked one way for half the price.

For whatever reason, Flying Blue places Israel, Morocco, Tunisia, Algeria, and the Canary Islands in the Europe region of its award chart. That’s why flights to Israel and North Africa are always so few miles with Flying Blue.

Flying Blue is famous for its Promo Awards. 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.

Flying Blue also offers good deals on some Delta awards. Here is the partner award chart when using Flying Blue miles (prices shown one way in thousands of miles.)

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Fuel Surcharges on Flying Blue Awards

Flying Blue collects fuel surcharges whenever the equivalent cash ticket would have fuel surcharges with the exception that transatlantic flights on Air France/KLM are capped in fuel surcharges on awards.

At current exchange rates, those capped fuel surcharges for AirFrance/KLM are:

  • a modest $112 in fuel surcharges + taxes out of pocket on roundtrip awards to Europe in economy
  • an annoying $246 in fuel surcharges + taxes out of pocket on roundtrip awards to Europe in Premium Economy
  • a punitive $403 in fuel surcharges + taxes out of pocket on roundtrip Business Class awards to Europe

Remember that Delta tickets within the Western Hemisphere don’t have fuel surcharges, so those can be a good value with Flying Blue miles.

Getting Flying Blue Miles

The Sapphire Preferred is one of the best personal credit cards on the market. It offers:

  • 50,000 bonus Ultimate Rewards after spending $4,000 in the first three months
  • 5,000 bonus Ultimate Rewards for adding an authorized user
  • 2 Ultimate Rewards per dollar on travel and dining purchases
  • 1 Ultimate Reward per dollar on all other purchases
  • no annual fee the first year and $95 thereafter

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.)

The Ink Plus is easily the best business card on the market. It offers:

  • 60,000 bonus Ultimate Rewards after spending $5,000 in the first three months
  • 5 Ultimate Rewards per dollar at office supply stores and on cellular phone, landline, internet and cable TV services
  • 2 Ultimate Rewards per dollar at gas stations and hotel accommodations
  • 1 Ultimate Reward per dollar on all other purchases
  • $95 annual fee

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

Booking Flying Blue Awards

You can book almost all Flying Blue awards on airfrance.us including Promo Awards.

Before booking, read Sweet Spots with Flying Blue Miles for more information on the program’s sweet spots, routing rules, fuel surcharges, and more.

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

If you liked this post, sign up to receive one free daily email every morning with all of the day’s posts! You can also follow MileValue on Twitter and Facebook.

The Chase Sapphire Reserve comes with 100,000 bonus Ultimate Rewards after spending $4,000 in the first three months that you can transfer to United miles, Singapore miles, Southwest points, British Airways miles, or use for 1.5 cents each toward any flight, hotel, or car rentals.

Plus the card offers $300 in credits toward any travel purchase each calendar year, which is $600 in your first 12 months of cardmembership, $100 toward Global Entry, and worldwide lounge access. Basically it's the best credit card ever, even with a $450 annual fee.

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Through May 15, 2016, the Chase Ink Plus is offering 70,000 Ultimate Rewards after spending $5,000 in the first three months–in branch only. That’s 10,000 points more than the business card is currently offering online. The card has a $95 fee that is not waived the first year.

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In Branch Offer

There’s a good chance this offer will come online next week, as we have often seen a 10,000 point increase in the online offer during Small Business Week, which is May 1 – 7 this year.

Branch Offer Details

  • 70,000 bonus Ultimate Rewards after spending $5,000 in the first three months
  • 5 Ultimate Rewards per dollar at office supply stores and on cellular phone, landline, internet and cable TV services
  • 2 Ultimate Rewards per dollar at gas stations and hotel accommodations
  • 1 Ultimate Reward per dollar on all other purchases
  • $95 annual fee

I value 70,000 bonus Ultimate Rewards at $1,400, so the offer is worth $1,305 to me after the annual fee.

Here is how to locate the nearest Chase branch.

Chase will probably not approve your application if you have gotten five new credit cards in the last 24 months.

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

If you liked this post, sign up to receive one free daily email every morning with all of the day’s posts! You can also follow MileValue on Twitter and Facebook.

The Chase Sapphire Reserve comes with 100,000 bonus Ultimate Rewards after spending $4,000 in the first three months that you can transfer to United miles, Singapore miles, Southwest points, British Airways miles, or use for 1.5 cents each toward any flight, hotel, or car rentals.

Plus the card offers $300 in credits toward any travel purchase each calendar year, which is $600 in your first 12 months of cardmembership, $100 toward Global Entry, and worldwide lounge access. Basically it's the best credit card ever, even with a $450 annual fee.

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Chase already automatically denies applications for Chase-branded personal cards (ie Sapphire Preferred, Freedom, Slate) if you have opened five new credit cards of any type from any bank in the last 24 months.

Soon, Chase will automatically deny applications for all Chase-issued credit cards (ie United Explorer, British Airways, Ink Plus) if you have opened five new credit cards of any type from any bank in the last 24 months.

Doctor of Credit says:

  • Currently, once past 5/24, [Scott: five credit cards opened in 24 months] you can not get Freedom, Sapphire, or Slate. You can get all other cards.
  • At some point in March, the INK cards will be restricted as well. We can still get personal and business co-branded cards.
  • At some point in April, all Chase credit cards will be included in the rule, and those past 5/24 won’t be approved for anything.

This development is based on a source of Doctor of Credit. I have no information beyond what Doctor of Credit has said above. While I can’t guarantee this will happen, I am living my life as if it will happen based on Doctor of Credit’s past record of expertise on matters related to credit cards.

  • Why is Chase doing this?
  • What’s the new best strategy to open Chase cards?

Starting in June 2015, Chase began to deny applications for its proprietary personal cards–the best of which are the Sapphire Preferred and Freedom–by people who had recently opened too many credit card accounts. Presumably Chase did this because if you open a card for its bonus and then cancel the card without becoming a multi-year customer, you are an unprofitable customer. If you have opened several cards recently, you’re obviously more likely to be a person who just gets a bonus and then closes a card.

Presumably after eight months of testing, Chase found that their new rules increased profits, so they want to roll it out to all of their credit card portfolio.

Current Rules to Be Approved for Chase-Issued Cards

If you are applying for a Chase-branded personal credit card (ie Sapphire Preferred, Freedom, Slate), and you have 5+ new card accounts in the last two years, you will be denied.

If you are applying for a co-branded airline or hotel card from Chase (ie United, Southwest, Amtrak, British Airways) or business card, old rules for approval apply. A Chase rep told one redditor about this distinction explicitly.

  • There is no maximum number of new accounts you can have open and still be approved.
  • If you get a “pending” response to your application and call reconsideration, the agent may say you have too much credit from Chase or too many cards open in which case you can get the new card approved by moving credit lines or closing an old card.

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). Do not apply for the new card again until 24 months from your last bonus on that card. Also, if you still have your old card, you are ineligible for the bonus, so cancel it before re-applying.

What’s Changing

The current rules for Chase-branded personal cards will soon apply to co-branded personal cards and all Chase-issued business cards. Doctor of Credit estimated March and April for when those rules will take effect.

New Best Practices for Chase Cards

Been in milesphere a while

If you are a person who has opened a lot of rewards cards, try to get Chase-issued co-branded personal cards and Chase-issued business cards now before the new rules come into effect.

I’ve gotten more than 20 cards in the last two years. I should get another Ink Plus soon. I’ll never have the chance again because I can’t imagine a two-year period in which I have fewer than five new accounts. There are just way too many good card offers out there.

Since I can’t get new ones, I’ll hold onto my Freedom and last Ink Plus. My Freedom has no annual fee, and I occasionally use it for its 5x categories. My Ink Plus has a $95 annual fee, but I occasionally use it for its 5x categories. Furthermore Freedom points are only worth a penny without an Ink Plus or Sapphire Preferred; with one, though, you can transfer Freedom’s points to the Ink Plus or Sapphire Preferred and from there to airline miles or hotel points.

New to miles

Everyone should have a Sapphire Preferred and Ink Plus for their big sign up bonuses, generous category bonuses, and transferability to top programs like United, Hyatt, British Airways, Southwest, Singapore, Virgin Atlantic, Korean, and more. If you’re new to earning frequent flyer miles, these should be the first cards you get even though they are not at the top of my Top Ten List because if you don’t get them early in your card-opening lifetime, you’ll never be able to get them.

Bottom Line

Terrible news from Chase: you will soon be denied for all Chase cards like if you have 5+ other new credit card accounts in the last two years.

This would be truly catastrophic if it spread to other banks.

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

If you liked this post, sign up to receive one free daily email every morning with all of the day’s posts! You can also follow MileValue on Twitter and Facebook.

The Chase Sapphire Reserve comes with 100,000 bonus Ultimate Rewards after spending $4,000 in the first three months that you can transfer to United miles, Singapore miles, Southwest points, British Airways miles, or use for 1.5 cents each toward any flight, hotel, or car rentals.

Plus the card offers $300 in credits toward any travel purchase each calendar year, which is $600 in your first 12 months of cardmembership, $100 toward Global Entry, and worldwide lounge access. Basically it's the best credit card ever, even with a $450 annual fee.

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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.

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The normal offer 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.

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.

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

Chase Application/Approval Rules

Applications for Chase’s personal cards that earn Ultimate Rewards–Freedom and Sapphire (Preferred)–are being denied if the applicant has applied for 5+ credit cards–personal or business–in the last two years.

Applications for the Ink MAY be approved even if you have more than 5+ applications for other cards in the last two years, but your chances are low and go down if you call Chase’s reconsideration line after your application. Just wait for a final decision before calling reconsideration.

Bottom Line

The Ink Plus was already my favorite business card because of its sign up bonus, category bonuses, and transfer partners. That was with a 50,000 Ultimate Reward bonus. For the next few weeks (I’m guessing based on the length of past 60,000 point bonuses), it has a 60,000 Ultimate Reward 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.

 

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

If you liked this post, sign up to receive one free daily email every morning with all of the day’s posts! You can also follow MileValue on Twitter and Facebook.

The Chase Sapphire Reserve comes with 100,000 bonus Ultimate Rewards after spending $4,000 in the first three months that you can transfer to United miles, Singapore miles, Southwest points, British Airways miles, or use for 1.5 cents each toward any flight, hotel, or car rentals.

Plus the card offers $300 in credits toward any travel purchase each calendar year, which is $600 in your first 12 months of cardmembership, $100 toward Global Entry, and worldwide lounge access. Basically it's the best credit card ever, even with a $450 annual fee.

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As of 8 PM ET on August 27, transfers from Ultimate Rewards to Korean are back.

Transfers from Chase Ultimate Rewards to Korean Air SkyPass miles are “temporarily unavailable” according to Chase’s website.Screen Shot 2015-08-26 at 1.21.53 PM

The transfers were also temporarily unavailable from November 2014 until January 2015. In that instance, Chase communicated that the problem was temporary and Korean signaled transfers would return in January, which they eventually did.

I’ve reached out to Chase to see if we can get a timeline on just how temporary this problem will be. I will update this post if I hear back.

Normally Chase points transfer instantly 1:1 to Korean miles. In the absence of Chase transferability, your only transfer option to get Korean miles is the new SPG/Korean partnership. SPG points transfer 1:1 to Korean miles, and every 20,000 Starpoints transferred triggers a 5,000 Korean mile bonus. Because of this partnership, I’ve written a few posts recently about Korean miles:

HT View from the Wing

 

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

If you liked this post, sign up to receive one free daily email every morning with all of the day’s posts! You can also follow MileValue on Twitter and Facebook.

The Chase Sapphire Reserve comes with 100,000 bonus Ultimate Rewards after spending $4,000 in the first three months that you can transfer to United miles, Singapore miles, Southwest points, British Airways miles, or use for 1.5 cents each toward any flight, hotel, or car rentals.

Plus the card offers $300 in credits toward any travel purchase each calendar year, which is $600 in your first 12 months of cardmembership, $100 toward Global Entry, and worldwide lounge access. Basically it's the best credit card ever, even with a $450 annual fee.

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Chase is now denying applications for the Sapphire Preferred, Slate, and Freedom if you have five or more new credit card accounts total from any banks in the last two years.

This change does not affect your ability to be approved for other Chase personal cards that are co-branded with banks and hotels like the United, Marriott, Southwest, or British Airways cards or any Chase business cards.

  • What do we know about Chase’s new churning rules?
  • How do we know it?
  • What’s the new best strategy to open Chase cards?

Starting last month, Chase began to deny applications for its proprietary personal cards–the best of which are the Sapphire Preferred and Freedom–by people who have recently opened too many credit card accounts. Presumably Chase is doing this because if you open a card for its bonus and then cancel the card without becoming a multi-year customer, you are an unprofitable customer. If you have opened several cards recently, you’re obviously more likely to be a person who just gets a bonus and then closes a card.

We know this because there are dozens of reports of denied applications for this stated reason since May on FlyerTalk, reddit, and a Doctor of Credit thread. Based on those reports, I’ll sketch out the rules as best as we can tell them, since Chase doesn’t post these rules anywhere. I’ll also suggest your new optimal credit card strategy based on whether you’re new to the frequent flyer milesphere or whether you’ve been around for a while.

New Rules to Be Approved for a Chase Credit Card

If you are applying for a Chase-branded personal credit card (ie Sapphire Preferred, Freedom, Slate), and you have 5+ new card accounts in the last two years, you will be denied. I’m using the more widely accepted 5+ number even though at least one person reports being denied with only 4 new accounts in the last two years.

If you are applying for a co-branded airline or hotel card from Chase (ie United, Southwest, Amtrak, British Airways) or business card, old rules for approval apply. A Chase rep told one redditor about this distinction explicitly.

  • There is no maximum number of new accounts you can have open and still be approved.
  • If you get a “pending” response to your application and call reconsideration, the agent may say you have too much credit from Chase or too many cards open in which case you can get the new card approved by moving credit lines or closing an old card.

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). Do not apply for the new card again until 24 months from your last bonus on that card. Also, if you still have your old card, you are ineligible for the bonus, so cancel it before re-applying.

New Best Practices

Chase now has the strictest approval policy for some of its best cards.

Everyone should have a Sapphire Preferred and Ink Plus for their big sign up bonuses, generous category bonuses, and transferability to top programs like United, Hyatt, British Airways, Southwest, Singapore, Virgin Atlantic, Korean, and more. If you’re new to earning frequent flyer miles, these should be the first cards you get even though they are not at the top of my Top Ten List because if you don’t get them early in your card-opening lifetime, you’ll never be able to get them.

But what if you’ve been in the miles world for a while?

I’ve gotten more than 20 cards in the last two years. I was planning on getting a Sapphire Preferred again soon because it has been long enough since I closed my last one that I could get the bonus again. But with the new rule, I’d be rejected, so I won’t apply. In fact, I won’t apply for a new Sapphire Preferred again because I can’t imagine a two-year period in which I have fewer than five new accounts. There are just way too many good card offers out there.

Since I can’t get new ones, I’ll hold onto my Freedom and Ink Plus. My Freedom has no annual fee, and I occasionally use it for its 5x categories. My Ink Plus has a $95 annual fee, but I occasionally use it for its 5x categories. Furthermore Freedom points are only worth a penny without an Ink Plus or Sapphire Preferred; with one, though, you can transfer Freedom’s points to the Ink Plus or Sapphire Preferred and from there to airline miles or hotel points.

I can and will continue to open co-branded cards offered by Chase. I just opened a United personal and business card for 50k miles each a few months ago. In the future, I’ll look at British Airways and Southwest cards.

Bottom Line

Terrible news from Chase: you will be denied for a new Chase card like the Freedom, Sapphire Preferred, or Slate if you have 5+ other new credit card accounts in the last two years.

This change doesn’t affect Chase co-branded airlines and hotel cards like the United or Marriott cards or business cards like Ink Plus.

This would be truly catastrophic if it spread to Chase co-branded cards, Chase business cards, or other banks.

Full Chase application rules (FlyerTalk wiki)

Hat Tip Doctor of Credit

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

If you liked this post, sign up to receive one free daily email every morning with all of the day’s posts! You can also follow MileValue on Twitter and Facebook.

The Chase Sapphire Reserve comes with 100,000 bonus Ultimate Rewards after spending $4,000 in the first three months that you can transfer to United miles, Singapore miles, Southwest points, British Airways miles, or use for 1.5 cents each toward any flight, hotel, or car rentals.

Plus the card offers $300 in credits toward any travel purchase each calendar year, which is $600 in your first 12 months of cardmembership, $100 toward Global Entry, and worldwide lounge access. Basically it's the best credit card ever, even with a $450 annual fee.

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Many people can get a small business credit card. Opening small business cards roughly doubles the number of amazing miles and points cards available to you.

Every small business credit card I’ve gotten I opened by putting my social security number as the tax ID, and by saying that my business is a sole proprietorship. I got many of the cards when my business revenue was very low.

Check out my post on How to Be Approved for Business Cards.

If you have a business, make sure you are opening the right business credit cards to maximize your free, discounted, and luxury travel. Here are the top four cards, broken down by Best Sign Up Bonus, Best Category Bonuses, Best for Everyday Spending, and Best for Perks.

Best Sign Up Bonus

Some credit card offers in this post have expired, but they might come back. If they do they will appear –> Click here for the top current credit card sign up bonuses.

The CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® offers 50,000 bonus American Airlines miles after spending $3,000 on the card in the first three months.

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American Airlines miles are currently the most valuable because United and Delta jacked up the number of miles needed for premium cabin awards last year, but American Airlines has not.

Just the sign up bonus on the CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® is enough miles for a roundtrip to Europe, South America, or Asia.

The card offers double miles at office supply merchants, telecommunications merchants, and car rental merchants and a 5% mileage bonus every year you renew.

The card also comes with a free checked bag and priority boarding on American Airlines flights.

The annual fee of $95 is waived the first 12 months.

Application Link: CitiBusiness® / AAdvantage® Platinum Select® World MasterCard 

Best Category Bonuses

The Chase Ink Plus offers 5x Ultimate Rewards per dollar for purchases at office supply stores and on cellular phone, landline, internet and cable TV services. The card also offers 2x points at gas stations and hotels.

The Ink Plus offers 50,000 bonus Ultimate Rewards after spending $5,000 in the first three months on the card. Ultimate Rewards transfer 1:1 to United, British Airways, Southwest, Korean, Virgin Atlantic, and more.

The annual fee of $95 is waived the first 12 months.

(Note that Chase is split testing higher annual fees for the card, so make sure you get the best offer.)

Best for Everyday Spending

The Starwoord Preferred Guest Business Card from American Express OPEN earns 1 Starpoint per dollar on all purchases.

Starpoints transfer to over 30 airlines, most at a 1:1 ratio. Whenever Starpoints transfer at a 1:1 ratio, you always get 5,000 bonus miles for every 20,000 points transferred. That effectively means that you are earning 1.25 airline miles per dollar on all purchases with this card. Key 1:1 transfer partners:

  • American Airlines
  • US Airways
  • Delta Air Lines
  • Alaska Airlines
  • Many More, but NOT United

Here is how to transfer Starpoints to airline miles.

The card comes with 25,000 bonus Starpoints after spending $5,000 in the first six months. Points can also be used for free hotel nights, Cash & Points stays, and Nights & Flights awards.

The annual fee of $65 is waived the first 12 months.

Best for Perks

The Business Platinum Card from American Express is the king of perks for business cards. The card comes with:

Here is how to set up and maximize those benefits.

The card comes with 40,000 bonus Membership Rewards after spending $5,000 in the first three months. It earns 1 Membership Rewards per dollar on all purchases with no category bonuses.

The card has a $450 annual fee that is NOT waived.

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

If you liked this post, sign up to receive one free daily email every morning with all of the day’s posts! You can also follow MileValue on Twitter and Facebook.

The Chase Sapphire Reserve comes with 100,000 bonus Ultimate Rewards after spending $4,000 in the first three months that you can transfer to United miles, Singapore miles, Southwest points, British Airways miles, or use for 1.5 cents each toward any flight, hotel, or car rentals.

Plus the card offers $300 in credits toward any travel purchase each calendar year, which is $600 in your first 12 months of cardmembership, $100 toward Global Entry, and worldwide lounge access. Basically it's the best credit card ever, even with a $450 annual fee.

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The Chase Ink Plus, one of the best business cards on the market, has long offered new applicants no annual fee for the first 12 months, then a $95 annual fee.

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Today I noticed two other offers on the Ink Plus being split tested by Chase (and there may be more.) By repeatedly going to the Ink Plus’ page in a Chrome Incognito browser, I got three different offers.

They were:

  • $0 annual fee for first twelve months, then $95 (current standard offer)
  • $95 annual fee (ie not waived for first 12 months)
  • $0 annual fee for first twelve months, then $150 (ie a bigger annual fee)

As far as I could tell, only the annual fee varied. Every other aspect of the offer was the same.

Here’s the non-waived annual fee offer.

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Here’s the $150 annual fee (waived year one) offer.

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Clicking the Pricing & Terms link brought up this page, which confirmed the annual fee of $150.

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You can access that page by clicking this link.

Companies split test offers all the time. If Chase finds that people sign up for the worse offers at the same rate as the better offer, they’ll surely switch to a worse offer as a profit-maximizing company. Let’s hope that doesn’t happen.

In the meantime, if you go through an affiliate link to get the Ink Plus, you will get the best offer of $0 annual fee for 12 months, then $95. Affiliate links are not being split-tested to my knowledge.

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

If you liked this post, sign up to receive one free daily email every morning with all of the day’s posts! You can also follow MileValue on Twitter and Facebook.

The Chase Sapphire Reserve comes with 100,000 bonus Ultimate Rewards after spending $4,000 in the first three months that you can transfer to United miles, Singapore miles, Southwest points, British Airways miles, or use for 1.5 cents each toward any flight, hotel, or car rentals.

Plus the card offers $300 in credits toward any travel purchase each calendar year, which is $600 in your first 12 months of cardmembership, $100 toward Global Entry, and worldwide lounge access. Basically it's the best credit card ever, even with a $450 annual fee.

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The Chase Freedom is offering 20,000 bonus Ultimate Rewards after spending $500 in the first three months. This is double the normal sign up bonus.

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It is also offering up to 50,000 bonus Ultimate Rewards for existing cardholders who refer their friends to the Freedom.

I have the Freedom. The sign up bonus is puny, but the card has no annual fee, and has 5x bonus categories that rotate every quarter. I got it to hold forever and to maximize the 5x category each quarter to the tune of 30,000 Ultimate Rewards per year.

  • How can you maximize category bonuses with the Freedom?
  • What card do you also have to have to maximize the value of a Freedom?
  • How can you sign up for the 20k offer while getting another 5k bonus points for someone else?
  • How can you get your referral link into this post?
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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

If you liked this post, sign up to receive one free daily email every morning with all of the day’s posts! You can also follow MileValue on Twitter and Facebook.

The Chase Sapphire Reserve comes with 100,000 bonus Ultimate Rewards after spending $4,000 in the first three months that you can transfer to United miles, Singapore miles, Southwest points, British Airways miles, or use for 1.5 cents each toward any flight, hotel, or car rentals.

Plus the card offers $300 in credits toward any travel purchase each calendar year, which is $600 in your first 12 months of cardmembership, $100 toward Global Entry, and worldwide lounge access. Basically it's the best credit card ever, even with a $450 annual fee.

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Chase Freedom is offering 5% cash back at amazon.com, zappos.com, and dozens of department stores from October 1 – December 31, 2014. You must activate those category bonuses, and you can do so now.

Screen Shot 2014-09-16 at 11.19.01 PM(It’s too late to activate the 5x at gas stations and Kohl’s that runs through September 30. If you haven’t hit $1,500 in spending yet, hurry.)

The Freedom markets itself as a cash back card, but it actually earns Ultimate Rewards that do NOT transfer to airline or hotel partners like United and Hyatt.

You can, however, transfer the Freedom’s Ultimate Rewards to your Sapphire Preferred, Ink Plus, or Ink Bold account or your spouse’s. From there, you can transfer the Ultimate Rewards to a dozen incredible airline and hotel partners like United and Hyatt.

That means that if you play this right, you can earn 5x United miles per dollar at amazon.com, zappos.com, and select department stores for the fourth quarter of the year.

  • How can you register for the Freedom 5x categories?
  • How can you indirectly transfer the Freedom’s Ultimate Rewards to airline miles and hotel points?
  • Why is transferring the points more valuable than cash back?
  • Who are the Ultimate Rewards partners?
  • What department stores will earn 5x? Which are excluded?

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

If you liked this post, sign up to receive one free daily email every morning with all of the day’s posts! You can also follow MileValue on Twitter and Facebook.

The Chase Sapphire Reserve comes with 100,000 bonus Ultimate Rewards after spending $4,000 in the first three months that you can transfer to United miles, Singapore miles, Southwest points, British Airways miles, or use for 1.5 cents each toward any flight, hotel, or car rentals.

Plus the card offers $300 in credits toward any travel purchase each calendar year, which is $600 in your first 12 months of cardmembership, $100 toward Global Entry, and worldwide lounge access. Basically it's the best credit card ever, even with a $450 annual fee.

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All links have been removed because this list is outdated. Click here for the current list of top credit cards for travel.

Whether you’re looking for free luxury hotel stays, first class flights, flights home to see family, or big rewards on gas or groceries, there are some fantastic credit card bonuses out there.

I’m writing this post from Raleigh, North Carolina near the end of a six-week world tour that would have been completely impossible without miles and points earned from credit cards.

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My trip is taking advantage of American Airlines miles, Starpoints, Ultimate Rewards, Lufthansa miles, and Arrival miles, all of which I got from credit cards.

How can you earn rewards for the trip of your dreams? What are the best credit card offers for March 2014?

1. Citi Executive / AAdvantage World Elite MasterCard

With recent devaluations to the United and Delta award charts, American Airlines miles are the most valuable miles for now.

American Airlines miles are the undisputed best miles for ultra-luxury redemptions, and the miles are valuable for trips to Asia, South America, Europe, and Australia. On my current trip, I spent 67,500 American Airlines miles for a First Class redemption from New York City to Singapore with 23 hours in Macau along the way.

Citi offers the American Airlines Executive Card with 100,000 bonus miles after spending $10k in the first three months.

Beyond the sign up bonus, the other huge benefit that cardholders get is free lounge access in Admirals Clubs.

Beyond the huge minimum spending requirement, the other big drawback is a $450 annual fee. In the first year, this is partially offset by $200 in statement credits on your first $200 in purchases on the card.

More Info: Citi Executive / AAdvantage World Elite MasterCard

2. Ink Plus and Ink Bold

The Inks are business cards with 50,000 Ultimate Rewards sign up bonuses after spending $5k in the first three months. Ultimate Rewards transfer 1:1 to United, British Airways, Korean, Southwest, Virgin Atlantic, Hyatt, Amtrak, and more.

The Inks earn 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 Inks have no annual fee the first 12 months, $95 thereafter.

The Ink Bold is exactly the same as the Ink Plus except the Plus is a credit card and the Bold is a charge card. That means the Bold must be paid off in full each month, while you can run a balance on the Plus. Because of this difference, I have gotten both for the same business.

I used Ultimate Rewards (transferred to Hyatt points) to book the Grand Hyatt Macau and Ultimate Rewards (transferred to United miles) to book my Slovenia to North Carolina flights.

3. Barclaycard Arrival Plus

The Barclaycard Arrival PlusTM World Elite MasterCard® is another great card for families that travel in economy without much flexibility, since Arrival miles can be used to book any flight on any airline with no blackouts. Miles can also be redeemed for any hotel or other travel expense.

This card comes with 40,000 miles after spending $3,000 in the first three months.

With this card you can book any flight on any airline at any time, or any hotel, or rental car, then redeem your miles for a statement credit equal to the cost.

In other words, the 40,000 miles could be used on any $400 flight without the need to find award space. You would even earn miles for flying the flight, since the airline will see it as a cash ticket!

Plus you get a 10% rebate after every redemption for travel, so after redeeming the 40,000 miles for $400 in travel, you get 4,000 miles back, worth $40 more dollars.

I have used my Arrival miles on this trip to book a motel and domestic flights like a $150 trip from Raleigh to Tampa that would have been a poor value with traditional miles.

This card earns 2 miles per dollar, which is 2.28 cents back toward travel, on all purchases.

This card fills the gaps in a miles strategy because the rewards are perfect for cheap domestic flights or hotels that otherwise would be bad redemptions with traditional airline miles and hotel points.

There is no annual fee the first year, $89 thereafter.

Application Link: Barclaycard Arrival PlusTM World Elite MasterCard®

4. Sapphire Preferred

The Chase Sapphire Preferred is a personal card that earns 40k Ultimate Rewards after spending $3k in 3 months. Ultimate Rewards transfer 1:1 to United, British Airways, Korean, Southwest, Virgin Atlantic, Hyatt, Amtrak, and more.

You also get 5k bonus points for adding an authorized user while applying, so I think of this as a 45k 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 other big bonus is a 7% annual points dividend each January on all the points (other than the sign up bonus) earned in the previous calendar year.

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

5. Starwood Preferred Guest Credit Card from American Express

The Starwood Preferred Guest® Credit Card from American Express offers 25,000 bonus Starpoints after spending $5k in the first six months. Starpoints are the most valuable and the most flexible points in the world. I laid out their many uses in my Starwood Preferred Guest Primer.

  • The miles transfer at a 20k-Starpoints-to-25k-miles ratio to American Airlines, US Airways, Delta, British Airways, and about 20 more airlines.
  • Free hotel nights start at 2k points.
  • Nights & Flights packages allow you to redeem Starpoints for five free hotel nights plus 50k miles with the airline of your choice.
  • Cash & Points stays let you stretch your Starpoints over more redemptions.

Because of the value and flexibilities, the Starwood card is one of the three cards I recommend to big spenders.

 

The card has no annual fee the first year, then $65.

Terms and restrictions apply.

Application Link: Starwood Preferred Guest® Credit Card from American Express

Tip: You can get the personal card described above and the business version at the same time for another 25k bonus Starpoints after spending $5k in the first six months.

I recently transferred 20k Starpoints to US Airways miles to book a dream trip to the World Cup for June 2014.

6. Citi ThankYou Premier Rewards Card

For people who want domestic or economy flights, traditional airline miles are often a poor value. For those flights, cards that earn flexible points that can be redeemed for any flight with no blackouts are often the better deal. The Citi ThankYou® Premier Rewards Card earns those super flexible points.

The card has no annual fee the first year, then $125.

 

Application Link: Citi ThankYou® Premier Rewards Card

I just got my Citi ThankYou Premier Rewards card this month, and I have not had a chance to use the rewards yet.

7. Citi Hilton HHonors Reserve Card

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 $500 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 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.

Application Link: Citi® Hilton HHonors™ Reserve Card

8. Frontier World MasterCard

The Frontier Airlines World MasterCard® comes with 40,000 bonus miles after spending $500 in the first 90 days.

The 40,000 bonus miles are enough for two roundtrips anywhere in the US that Frontier flies, including Alaska.

Frontier has a great route network in the continental US, Alaska, Mexico, Costa Rica, and the Caribbean. Award space is wide open on these routes, and award prices are dirt cheap at 10k miles each way in the US, including to Alaska, and 15k each way internationally.

I recommend getting the card now because I have never seen a higher sign up bonus on it.

The card has a $69 annual fee.

Application Link: The Frontier Airlines World MasterCard®

9. Blue Cash Preferred

The Blue Cash Preferred® Card from American Express offers 100 Reward Dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new Card in the first three months.

The card offers an unbeatable 6% cash back in the form of statement credits on your first $6,000 annually at grocery stores (then 1% back). And it offers 3% back at US gas stations and select US department stores.

Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period. I wrote more about this benefit here.

 

  • Get 100 Reward Dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
  • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
  • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and Restrictions Apply.

The card has a $75 annual fee.

Application Link:Blue Cash Preferred® Card from American Express

10. American Express Premier Rewards Gold Card

The American Express® Premier Rewards Gold Card is a personal card that offers 25k bonus Membership Rewards after spending $2k in the first three months.

The Premier Rewards Gold card is AMEX’s best personal card for earning Membership Rewards. Beyond the big sign up bonus:

  • Get 25,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • Earn Fast: 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. Terms and limitations apply.
  • You can transfer points to over 20 frequent traveler programs or use points for gift cards at popular stores.
  • Use your Card for retail, dining, travel or groceries, then go online and use points towards your eligible charges.
  • As an added bonus, you can get 15,000 points after you spend $30,000 in purchases on the Card in one year.
  • $0 introductory annual fee for the first year, then $175.
  • Terms and Restrictions Apply.

Membership Rewards themselves are very valuable and flexible since they transfer to airlines in all three global alliances, plus unaffiliated airlines like Frontier and Hawaiian.

I used Membership Rewards to book myself a flight in Singapore Suites on this trip.

The card has no annual fee the first year, then $175.

Application Link: American Express® Premier Rewards Gold Card

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

If you liked this post, sign up to receive one free daily email every morning with all of the day’s posts! You can also follow MileValue on Twitter and Facebook.

The Chase Sapphire Reserve comes with 100,000 bonus Ultimate Rewards after spending $4,000 in the first three months that you can transfer to United miles, Singapore miles, Southwest points, British Airways miles, or use for 1.5 cents each toward any flight, hotel, or car rentals.

Plus the card offers $300 in credits toward any travel purchase each calendar year, which is $600 in your first 12 months of cardmembership, $100 toward Global Entry, and worldwide lounge access. Basically it's the best credit card ever, even with a $450 annual fee.

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Activate your Chase Freedom 5% cash back categories for 2014 to earn 5x Ultimate Rewards per dollar at gas stations, movie theaters, and Starbucks until March 31.

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Each quarter, you can earn 5x Ultimate Rewards per dollar on your first $1,500 in the bonus categories as long you register your Freedom card. Max out the $1,500 each quarter, and you’ll earn 30,000 Ultimate Rewards.

That’s on top of the current sign up bonus of 10,000 Ultimate Rewards after spending $500 in three months on the card.

All these Ultimate Rewards on the Freedom can be redeemed for 1 cent cash back, so 50,000 Ultimate Rewards would be $500. Or the Freedom’s Ultimate Rewards can be redeemed at a much, much better rate.

How?

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

If you liked this post, sign up to receive one free daily email every morning with all of the day’s posts! You can also follow MileValue on Twitter and Facebook.

The Chase Sapphire Reserve comes with 100,000 bonus Ultimate Rewards after spending $4,000 in the first three months that you can transfer to United miles, Singapore miles, Southwest points, British Airways miles, or use for 1.5 cents each toward any flight, hotel, or car rentals.

Plus the card offers $300 in credits toward any travel purchase each calendar year, which is $600 in your first 12 months of cardmembership, $100 toward Global Entry, and worldwide lounge access. Basically it's the best credit card ever, even with a $450 annual fee.

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Chase Freedom has named its 5% cash back categories for 2014.

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Each quarter, you can earn 5x Ultimate Rewards per dollar on your first $1,500 in the bonus categories as long you register your Freedom card. Max out the $1,500 each quarter, and you’ll earn 30,000 Ultimate Rewards.

That’s on top of the current sign up bonus of 20,000 Ultimate Rewards after spending $500 in three months on the card.

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

If you liked this post, sign up to receive one free daily email every morning with all of the day’s posts! You can also follow MileValue on Twitter and Facebook.

The Chase Sapphire Reserve comes with 100,000 bonus Ultimate Rewards after spending $4,000 in the first three months that you can transfer to United miles, Singapore miles, Southwest points, British Airways miles, or use for 1.5 cents each toward any flight, hotel, or car rentals.

Plus the card offers $300 in credits toward any travel purchase each calendar year, which is $600 in your first 12 months of cardmembership, $100 toward Global Entry, and worldwide lounge access. Basically it's the best credit card ever, even with a $450 annual fee.

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