Chase offers two personal credit cards that are marketed to those who want to earn travel rewards. There’s the Sapphire Preferred, which is great for those getting into the points and miles world, offering transferrable points to both airline and hotel programs and bonus points for travel and dining expenses. The newer Sapphire Reserve is the luxury card for the Ultimate Rewards program. It has a higher annual fee but offers additional benefits than the Preferred.
When I wrote that I was considering getting rid of all my premium cards, the one that people seemed to be the most attached to was the Sapphire Reserve. They pointed out the reasons it’s worth paying the extra money over the Preferred, some of which I was aware of and some that I wasn’t.
So I decided to take a closer look at the two cards and see where they are the same and where they differ. Only then could I really know if the extra money for the Reserve is worth it.
Continue reading “Should You Get The Chase Sapphire Reserve or Sapphire Preferred?”
It’s easy to forget that when you rent a car, you’re “borrowing” a vehicle that costs tens of thousands of dollars from a major corporation. When renting it, you expect the car to be in great condition with no dents, dings or scrapes on it. So what happens when the car is damaged during your rental? Even if it wasn’t your fault, the rental car company is, of course, going to expect you to pay for the repairs. Rental car companies know the fear of getting a large bill for repairs makes you an easy target to purchase the “insurance” they’ll sell you for just a few dollars a day.
We’ve already written about the excessive charges for gas and the markup on tolls that car rental companies charge. Why would we believe that all of a sudden car rental companies will sell you insurance at a reasonable price? It’s not that the coverages they sell aren’t necessary, because they are. It’s moreso you may already have coverage that makes buying their insurance unnecessary. Knowing what coverage you already have allows you make an informed decision ahead of time. I’ll also share a trick that lets you avoid the hard sell at the counter. But first, what is the car rental company trying to get you to buy?
Most of the information listed below only applies to cars rented in the United States. Rentals in other countries have different rules and restrictions. Please note I’m neither an insurance agent nor an expert so I suggest reading the policies including, but not limited to the parts about policy limits, deductibles and exclusions.
Continue reading “Should You Pay For The Loss Damage Waiver (LDW) When Renting A Car?”
And just like that, BOOM!, it’s the weekend! Hooray! Here’s a quick recap of the posts we wrote this week:
This week Joe wrote about:
And Sharon wrote about:
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