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Archive for the ‘Travel & Miles Rewards Cards’ Category

The JP Morgan Chase Company is one of the most well-known banks in the United States, and the Chase Ink Business Plus card with unlimited rewards is one of the most popular cards out there for medium to large sized businesses. Here’s what you need to know about the Chase Ink with unlimited rewards to decide if will work for you and your business.

The Chase Ink with Unlimited Rewards is designed with business in mind. Not only does the bonus structure cater to those business men and women that travel a lot, but also offers higher reward thresholds, and premium benefits for businesses. The card is accepted all over the world.

How do the Points Work?

The Chase Ink Unlimited card gives you a point for every dollar that you spend, and there is no cap on the amount of rewards that you can earn. Also, there is no expiration date on using your points. You can also get double points anytime you buy airfare through the Ultimate Travel Rewards Program, which has several travel options to choose from. If you really want to get the most out of your reward points you can use the Ultimate Rewards Mall to make purchases, which gives you ten points for every dollar that you spend.
Bonus Points

The Chase Ink with Unlimited Rewards offers you bonus points when you spend a certain amount of money. You get 15,000 a year for spending $100,000 or more annually, and then the next year, you’ll get 25,000 bonus points for spending at least $100,000 yet again. As an added bonus, you can use the points on air travel with no blackout dates and no restrictions whatsoever. Also, you get a 25% bonus if you spend your points on air travel, and the points will be transferred to full value for frequent flyer bonuses.

Ultimate Rewards Program

The Ultimate Rewards Program is a bonus that comes with your Chase Ink card. It is a site that can help you with your travel, or to order additional cards for employees. You can also easily track employees spending there and get real time updates on use of the cards.

Annual Percentage Rate
One of the best features of the Chase Ink is the introductory APR. For the first six months, you won’t pay anything and the first year’s annual fee is free as well. After the first six months, the APR is still very low. The annual fee is much less than many business credit cards as well.

When it comes to selecting credit cards that certainly is no shortage of choices. There are however, varying degrees of quality and with that in mind it is important to be able to identify the top credit cards available in any given category. By category I mean cash back, travel rewards, business, low interest, etc., etc.

And right there is the important point… by category. Identifying what your specific needs are is the very first thing you must do before you begin your search. Comparison shopping is the very best way to uncover value and fortunately for us the Internet makes it incredibly easy and convenient to do from the comfort of our home or office.

Do you recall when our mailboxes used to be filled with credit card solicitations? When was the last time you saw one of those? It was a pretty inefficient way to choose a credit card. Besides, they really weren’t conducive to doing comparisons because the solicitations were for single offers only and they most certainly did not make mention of the offers from competing banks and financial institutions.

Yes, finding the top credit cards can be quite easy when we break it down. For instance, if you carry a balance from one billing cycle to the next then you definitely want to find a low interest rate card. You may also want to look into a balance transfer offer with a 0% introductory rate.

If, on the other hand, you show great fiscal discipline by paying off your bill in full every month then cash back credit cards may be a good deal for you. Getting rebates ranging from 1% to 5% on our everyday purchases including groceries, gas and other daily staples is a fantastic way to save money. Heck, why not pay yourself while you’re paying someone else?

If you travel often there are plenty of travel rewards cards to compare including airline miles, hotels and gasoline cards that offer savings at the gas pump. Or perhaps you’re just looking for a basic credit card to have in case of emergency. In the case of a no-frills card such as this be sure that it has no annual fee.

Which takes us right into our next subject… fees. Oftentimes rewards cards, especially airline miles, will have the highest annual fees so keep that in mind. You must decide for yourself if the rewards gained through the issuers program justifies the fees charged so sit down and carefully project what you gain by the rewards and lose by the fees and decide if it’s worth it.

When you narrow down the top credit cards to just a few or even a single offer you must then carefully read the terms and conditions. It is absolutely imperative that you understand how the interest rates are calculated, what the fees are and how the rewards programs work.

Those are just a few of the things you have to be on the lookout for when comparing offers and by no means an exhaustive list, but I believe you get the idea. Finding the right credit card offer to suit your financial needs requires a little bit of homework and research on your part but it is well worth it in the long run.

With so many competing offers out there for credit cards, a consumer with excellent credit has many credit card options from which to choose. Taking the time to shop around for the best travel rewards credit card is worth the time and effort considering that you will want to try to stay with a program for years to come.

While most airlines and hotel chains offer their own branded credit card, they generally do not allow you to use earned miles or points toward a competitor’s product. Even if they do, the value of the miles is typically diminished when they are exchanged for a flight or room with another company. The best approach is to apply for a credit card that offers you miles or points that can be applied toward a wide variety of your travel expenditures such as airfare, lodging and car rental. Some programs even offer vacation and cruise packages in exchange for points earned.

When shopping for a card, take into consideration your personal financial situation. Ideally you want a card for which you will be paying off the balance each month. For one, credit card interest rates are expensive and secondly, you do not want to get into a situation where you are not using your rewards card due to a high balance. To maximize the value of a travel rewards card, using it for all purchases will allow you to accrue as many points as possible. It also consolidates all of your purchases under one card which makes tracking your monthly spending patterns easier for budget purposes. Since you are paying off the balance each month, interest rates are not as much of a consideration. Instead, focus on getting a card with no annual fee. Annual fees are an unnecessary expense for most credit card holders. Another factor to consider is how many points or miles are earned for each dollar spent. Some programs offer higher rewards for all purchases or for purchases made at certain businesses.

Once you have narrowed down your options, take a look at the fine print for each travel rewards program under consideration. Are there a wide variety of airlines, hotel chains and rental car agencies available for point or mile exchange? If you have any favorite places to stay or your local airport has limited options, make sure those companies are part of the credit cards program. Another important consideration are black-out dates. If you like to fly every year during a specific holiday weekend, you may find that miles may not be exchanged for tickets during that time period. It pays to research this information in advance of applying for a card and earning the miles.

Finally, when you apply for a card, pick one so that there are not several inquiries on your credit report in a short period of time. If you have excellent credit and employment history, it should be easy to apply and receive a travel rewards credit card. If your credit history is less than excellent, some online sites make it easy to find programs that are more willing to approve applications from a wider range of credit profiles.

Once you have your card, pay for everything possible with your credit card, as long as you are able to pay it off in full each month. Groceries, rent and utilities are expenses that are usually possible to charge each month. Bear in mind that if any company tries to charge you a fee for using your credit card, it is probably better to pay with cash or check. With regular use, you will find that your travel rewards card will reduce your annual travel expenses considerably and make vacations less expensive.

Flying has become an increasingly common and convenient way to travel. Whether you frequently travel by air or want to fly to your next vacation destination, airline rewards credit cards can help you out. Read on to learn how airline rewards credit cards work and find some of the best offers available.

Earn the Miles

Airline rewards credit cards come in many shapes and forms, but the majority of them share the same basic principles. Most airline rewards credit cards allot you one mile for each dollar spent. Once you have earned a certain number of miles, you can exchange them for a plane ticket.

Besides earning miles through purchases, many airline rewards credit cards grant you bonus miles when you sign up. They may also offer special deals for you to earn additional miles once you have the card. Some award double points for making purchases at select places, such as restaurants and movie theaters.

Most major airline carriers offer a co-branded card, which is issued in partnership between the airline and a bank or credit card company. These cards allow you to earn additional miles when you purchase plane tickets through them or use their airline partner services, such as hotels and car rentals.

Reap the Rewards

Once you have an airline rewards credit card, you can keep track of the miles you earn on your card statement. Each card company sets the number of miles needed to earn free plane tickets. Usually fewer miles are required to travel domestically, while more are needed for international flights. Some cards allow you to redeem your miles for other items, include hotel stays, cruises, or car rentals.

While the rewards are fantastic, airline rewards credit cards also include certain terms and conditions. Most of them come with a higher interest rate and charge an annual fee. However, if you pay off your balance each month, the travel rewards will far outweigh the fees.

Best Offers Available

It is important to consider your travel interests and lifestyle as you look for the right airline rewards credit card. If you want the flexibility of flying any airline, the Discover Miles Card is a good choice. It offers benefits for signing up, including 0% interest on purchases and balance transfers for the first twelve months. Also, you can earn an additional 1,000 miles each month, just for using the card. That can total up to 12,000 bonus miles over the first year! You earn one mile for every dollar that you spend. And with Discover Miles Card there is no annual fee involved.

Another airline rewards credit card with plenty of flexibility is the Chase Travel Plus Platinum Visa card. This card allows you to choose from over 250 airlines. Chase Travel Plus Platinum Visa comes with 0% interest on purchases and balance transfers for up to twelve months. With a low annual fee of $29 and reward options including flights, hotel stays, car rentals, cruises and more, this card is well worth the investment.

Airline rewards credit cards offer enticing benefits. By making purchases on your card, you can earn miles that can be used for free travel. Look over your vacation plans. Then apply online today for an airline rewards credit card. Soon you’ll be turning in those miles for tickets. Happy flying!

Copyright Ed Vegliante. Free online reprints of this article are allowed provided the resource box remains intact with a live link back to credit-card-surplus

Travel rewards credit cards are also referred to as airline credit cards. Card holders with these types of credit cards earn travel miles whenever they use their credit cards to make payments.

Like all other credit cards, one size does not fit all when it comes to travel rewards credit cards. To get the most benefit from such a card, the customer needs to get the best card for their own needs.

Comparing travel rewards credit cards is a little bit different than comparing cards although some of the benchmarks remain the same. The first thing that needs to be examined is how often you travel. A person who travels often and therefore track up travel miles quickly may opt for a card with high redemption points. Remember that cards mileage awards can expire and if you have to wait for an extended period to earn points, you may well end up losing out.

While the interest rate, that is, APR is important, if you are the type of cardholder that clears your balances at the end of each billing cycle, this becomes less significant. However, the card holder who always carries a balance forward or incurs late charges, needs to be concerned with the APR when selecting a credit card. Some travel rewards cards start out offering 0 APR or low APR, but generally this is just for select period. When comparing interest rates look at the rates after the introductory period and ask if they are fixed or variable.

Check the travel rewards against your annual fees as well. If you pay a high annual fee and receive minimal rewards you may want to reconsider using that particular card. Also, a card can incur no fees for an introductory period only, but that period has passed you will see fees being attached. So look for or ask for details on this.

The Chase Travel Plus Platinum Visa Card should fit perfectly into your life, if you are a frequent traveler. This card serves both your purposes of saving money and earning rewards. Whether you are thinking of a second honeymoon or are yearning for a fun-filled tropical vacation, looking forward to a skiing weekend in the mountains or a lavish cruise, this card will help you to plan your jaunt.

Chase Travel Plus Platinum Visa Card can be yours if you have good credit. You should also be prepared to pay your monthly balance in full each month to avail the rewards from the card. However, if you plan to carry a large revolving balance (even occasionally) it would be expensive for you. The ‘Two Cycles Average Daily Balance’ method used to calculate the finance charges will cost you dearly.

Rewards Program

With Chase Travel Plus Platinum Visa Card, you have an exciting rewards program. See the following: