I just don’t get the metal credit card trend. Maybe it’s because I’m not out to impress anyone with what credit card I’m using. A credit card is something I use so that I can earn miles or points to use for my travel. I couldn’t care if the cashier is impressed about the weight of the card I handed to him/her to make my purchase.
I know watching the news stories about the devastation caused by Hurricane Harvey can make you feel helpless. The scope of this event just causes you to feel numb and you want to do something but don’t know how you can help.
Luckily, most of the airline and hotel programs are making it easy to contribute in any way you can. Even if you don’t have cash to spare, you can donate those random points you have here and there to the recovery effort. Face it, it’s better to donate them than redeem them for some magazines that you’ll never read. Personally, I have points with LaQuinta and Choice that I’m going to donate right now.
Here are the links to the program pages where you can make donations.
(Thanks to our reader John B. for the tip on this way that you can to contribute to the relief effort)
Going on an international trip is very exciting but it can also be very expensive. Using a credit card to pay for purchases when traveling internationally is often the best way to get a good exchange rate and the rate your bank gets will be better than the one you’ll get on your own if you exchange cash. Using a card also means that you don’t have to carry around a bunch of cash with you. However, many cards will add on a “foreign transaction fee” to any transactions made with anything except your home currency. Here’s an easy way to keep from paying that extra 2-3 percent on all of your purchases while away.
I’m at the point where I am ready to sign up for a new credit card. It’s always an exciting time when we’re almost finished with the spending requirements for our most recent cards. I’ve read many articles listing the “Best sign up bonuses” so I have an idea of what is available. Instead of making yet another list, I’ll give you some insight into the things I take into consideration when making a decision like this.
I’m almost finished with meeting the spending requirement for the last credit card we were approved for, so that means it’s time to find and apply for a new card. As always, you should not be bothering with this if you have credit card debt. If that’s the case, your main goal should be to pay off the debt and increase your credit score, and THEN you can start applying for credit cards.
When applying for credit cards, it’s important to know the rules that you’ll need to follow for each bank when applying for a credit card, because they’re all different. Knowing these rules will allow you to continue to get approved for cards and collect the bonuses that will add to your balances. That will, in turn, will allow you to meet your travel goals.
I’m going to stick to the three “major” banks that issue reward cards (American Express, Citibank and Chase) because they are the ones you will be dealing with most of the time.
Continue reading “The confusing rules when applying for reward credit cards”
I’ve talked about the American Express Everyday Preferred before, as it’s one of our wallet go-to cards. The Citi Prestige isn’t a card I use for everyday purchases but instead is more of a “special teams player,” wherein I will pull it out of the drawer when I make specific purchases for the benefits it provides.
The Citi Prestige is one of the premium credit cards on the market and you need to have good credit to be approved for one. It also carries a hefty $450 annual fee. I’m willing to pay the fee for this card because of the benefits I get from it: Continue reading “Credit Card Review: Citi Prestige”
I’ve already documented the difficulties I came across when trying to book a room at Disneyland with my DVC points in a previous article and now it was time to start looking at Plan B, Plan C and Plan D. Now, I don’t have much experience with booking hotels in and around Disneyland. We’ve stayed in the Grand Californian and Disneyland Hotel several times. Going back many years ago, we stayed at the Sheraton Anaheim Hotel (now renamed the Anaheim Majestic Garden Hotel) with a group discount from a theme park message board we helped moderate. On our most recent trip, we stayed at the Sheraton Park Hotel at the Anaheim Resort (that’s a mouthful). It wasn’t my original choice, but I was lucky enough to win a free night during a online contest that had to be Continue reading “Staying at Disneyland – Backup Plans (DVC Points, Hotel Points or Citi Prestige 4th night free)”