The Personal Finance Index Card: Book Version Differences

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After rediscovering the young adult versions of fitting personal finance advice on an index card, I decided to go back and read the book The Index Card: Why Personal Finance Doesn’t Have to Be Complicated by Helaine Olen and Harold Pollack. (I was able to find it via library eBook.)

I noticed that the book version of the “index card” was slightly different. The original card had 9 items, but two of them were merged away into each other (401k/IRAs) and (Pay Attention to Fees/Buy Index Funds). I bolded the new additions below. (You can see all chapters on the Amazon page.)

  1. Strive to Save 10 to 20 Percent of Your Income
  2. Pay Your Credit Card Balance in Full Every Month
  3. Max Out Your 401(k) and Other Tax-Advantaged Savings Accounts
  4. Never Buy or Sell Individual Stocks
  5. Buy Inexpensive, Well-Diversified Indexed Mutual Funds and ETFs
  6. Make Your Financial Advisor Commit To a Fiduciary Standard
  7. Buy a Home When You Are Financially Ready
  8. Insurance – Make Sure You’re Protected
  9. Do What You Can To Support the Social Safety Net
  10. Remember The Index Card

Here again is the original:

Here are my notes on the newly-addressed topics of home-buying and insurance.

Home-buying. This will always be a hard topic because it mixes in emotion, personal history, peer pressure, and all that fuzzy stuff. If you want to own a home, you need to make sure the purchase won’t blow up your overall financial picture. Nothing really surprising, but still good advice.

  • Get your debt under control first.
  • Save up as close to a 20% down payment as you can.
  • Stick with a 15 or 30 year fixed-rate mortgage.
  • Prioritize what you really want and need in a home. Stay within your budget.
  • Location, location, location.

Insurance. There are low-probability events that can destroy decades of hard work, and that’s why humans invented insurance to spread the risk. Here are their cut-to-the-chase bullet points:

  • Emergency fund – Maintain one!
  • Life insurance – If you’re young(ish), just buy 30-year level term insurance.
  • Property insurance – Raise your deductible as high as you can handle.
  • Health insurance – Always sure you stay in-network.
  • Liability insurance – Coverage for at least twice your net worth.

I’m glad that this book still retained its “quick-and-dirty” nature. No single rule will cover every scenario, but it’s good to have a clear and concise collection of the big points along with just enough explanation that you understand the basic reasoning behind it.

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Citi / AAdvantage Platinum Select World Elite Mastercard Review – 65,000 Bonus Miles

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Citi AAdvantage Platinum Select MasterCard Art

The has an improved limited-time offer.  Here are the updated card highlights:

  • Limited-time: Earn 65,000 American Airlines AAdvantage® bonus miles after $4,000 in purchases within the first 4 months of account opening.
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
  • Annual fee $99, waived for the first 12 months.

Bonus details. Note the following language for the personal card. Basically, to get the personal card bonus, you can’t have had the personal card opened or closed within the last 24 months. Having the business version is okay.

American Airlines AAdvantage® bonus miles are not available if you have had any Citi® / AAdvantage® card (other than a CitiBusiness® / AAdvantage® card) opened or closed in the past 24 months.

To clarify, you can have one of both the consumer version of this card and the CitiBusiness® version designed for businesses under your name. The bonuses are also separate. You can get one consumer bonus every 24 months, and you can also get one business bonus every 24 months.

Baggage fee value. Currently, American Airlines recently joined the other airlines and now charges $30 one-way for the first checked bag and $40 one-way for the second checked bag in Economy. That’s $60 roundtrip for a single checked bag, per person. With this card, your first checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation.

Redemption tips. American Airlines MileSAAver awards are still 25,000 miles for a round-trip ticket within the contiguous 48 states. Their online system is pretty good for looking for domestic AA awards. If the trip is less than 500 miles, then it is only 15,000 miles round-trip within the contiguous 48 states. Under-500 miles routes include Las Vegas to/from Los Angeles, Charleston to/from Miami, New York to/from Washington DC, Philadelphia to Boston, and many others.

This card also makes you eligible for , where you save up to 7,500 miles on roundtrip MileSAAver® awards to select destinations on American Airlines operated flights.

Bottom line.  The has a 65,000 mile limited-time offer. As with most of these co-branded cards, a lot of the ongoing value comes when you fly on American and utilize the free first checked bag benefit for you and up to 4 companions (recently increased to $60 per person, round-trip).

There is also a Barclays co-branded American Airlines card, and that version has its own limited-time offer of 60,000 bonus miles without a spending hurdle requirement (just make any single purchase on the card), while it does charge a $99 annual fee for the first year. You can find both that card and this card on the current list of Top 10 Best Credit Card Bonus Offers.

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Chase Freedom Unlimited Review – 3X Ultimate Rewards Points Per Dollar On Up To $20K In Spending During First Year

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Chase Freedom UnlimitedThe Chase Freedom Unlimited Card is a no-annual-fee rewards card which earns a flat 1.5% cash back on all purchases (or a possibly more valuable 1.5 Ultimate Rewards points per dollar spent). This is a different card from the popular Chase Freedom, which has 5% cash back on rotating categories every quarter and then 1% cash back on all other purchases. Here are the highlights:

  • Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • Redeem for cash – any amount, anytime.
  • Cash Back rewards do not expire as long as your account is open.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum.
  • No annual fee.

1.5% cash back on all purchases might have been a great percentage number several years ago, but there are now at least a few competitors with higher effective cash back rates.

But wait, you actually get Ultimate Rewards Points! The lesser-known perk of this card is that you actually earn Ultimate Rewards points, which are in turn redeemable for cash back at a rate of 100 points = $1 in cash back, or 1 cent per point. Ultimate Rewards points are worth collecting because of their flexibility. (I hope Chase doesn’t forget this fact.) This is important because there are many ways in which Ultimate Rewards points can be worth much more than 1 cent per point.

If you have also have the Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Business Preferred Card, then you can pool all of your Ultimate Rewards points together (even with your spouse/partner as an authorized user) and thus utilize all of the same transfer partners with the following results:

  • Earn 3 United Mileage miles per dollar spent on ALL purchases in your first year up to $20,000 spent.
  • Earn 3 Hyatt points per dollar spent on ALL purchases in your first year up to $20,000 spent.
  • Earn 3 British Airways Avios per dollar spent on ALL purchases in your first year up to $20,000 spent.
  • Earn 3 Southwest Rapid Rewards points per dollar spent on ALL purchases in your first year up to $20,000 spent.

Let’s say you spend the full $20,000 during the first year. That’s $600 cash back or $750 toward any travel (with Sapphire Preferred and Ink Preferred Business) or $900 towards any travel (with Sapphire Reserve). Or with any of those three cards, that’s 60,000 United Miles, 60,000 Southwest Rapid Rewards Points, or 60,000 Hyatt points. Finally, this card has no annual fee and is worth keeping around past the first year.

Keeper value. After the first year, you can still:

  • Earn 1.5 United Mileage miles per dollar spent on ALL purchases.
  • Earn 1.5 Hyatt points per dollar spent on ALL purchases.
  • Earn 1.5 British Airways Avios per dollar spent on ALL purchases.
  • Earn 1.5 Southwest Rapid Rewards points per dollar spent on ALL purchases.

Notice that you are earning more miles and points on ALL purchases than even the specific co-branded cards from United or Hyatt themselves! Most of them just offer 1 point/mile per dollar spent on all purchases.

If for example, you placed a perceived value of 1.5 cents on each United Airlines mile or Hyatt hotel point, then you’d receive 2.25 cents of perceived value per dollar spent with this card. Your actual numbers will depend on your own specific redemption choices, but you can see that you can definitely exceed 2% cash back value on an ongoing basis with the Sapphire Preferred/Freedom Unlimited combo.

If you would like the opportunity to earn 5% cash back on rotating bonus categories each quarter, compare with the Chase Freedom card. You can have both a Freedom and a Freedom Unlimited card, but you’ll have to apply for each card separately. I think this is actually a great idea if you plan to keep a Sapphire Preferred/Sapphire Reserve/Ink Preferred cards as well.

Restrictions. This card is subject to “5/24” restrictions, which means that your application will be automatically denied if you have opened 5 or more credit cards in the last 24 months (check your credit reports). Our household strategy is to have one person only apply for Chase 5/24 cards, and the other person applies for everything else. There is also this language on the consumer card:

This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

Bottom line. As a plain cash back rewards card, the 1.5% cash back of the Chase Freedom Unlimited can be exceeded by other 2% cash back cards. The key factor for those in the know is that if you or your partner also has the Chase Sapphire Preferred, Sapphire Reserve, or Ink Preferred Business cards, then this card allows you to receive the equivalent of 1.5 Ultimate Rewards points per dollar spent on every purchase (3X Ultimate Rewards points during the first year on up to $20,000 in purchases). If you value other travel points like United Airlines miles, Hyatt points, or Southwest Rapid Rewards points, then by earning Ultimate Rewards you can obtain solid rewards value and flexibility from this card.

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Top 10 Best Credit Card Bonus Offers – April 2019

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Updated April 2019. That space in your wallet or purse is more valuable than you think. Credit card companies are fighting it out, offering strong perks and $500+ value for a single card during the first year to encourage you to apply and try it out. These are the top 10 credit card offers that I would apply for right now, if I didn’t already most of them. Notable changes:

  • Citi American – limited-time 65k offer.
  • United Explorer – limited-time 60k offer.
  • Gold Delta SkyMiles – replaced with referral offer.
  • Chase Sapphire Preferred – improved 60k offer.
  • Hawaiian Airlines – improved 75k offer.
  • IHG Rewards Club Premier – improved 120k offer.
  • Barclaycard Arrival Plus – bonus offer up to 70k.

If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. You don’t need to be a “I only fly business class” world traveler. I mostly use my rewards points on domestic economy flights, mid-class hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.

This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.

Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

Chase Sapphire Preferred Card

  • 60,000 Ultimate Rewards points (worth $750 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
  • 2X points on Travel and Dining at restaurants worldwide.
  • $95 annual fee.
  • Subject to 5/24 rule.
  • Alternative: Chase Sapphire Reserve Card. 3X on Travel and Dining, Priority Pass airport lounge access, $450 annual fee, $300 annual travel credit.

Barclaycard Arrival Plus Card

  • 70,000 points (worth $700 towards travel) after $5,000 in purchases in the first 90 days. See link for details.
  • Unlimited 2X miles on every purchase.
  • $0 annual fee for the first year, then $89.

  • 60,000 American Airlines miles after first purchase (any amount) in first 90 days. Limited-time offer expires 4/30/19. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $95 annual fee.

Citi / AAdvantage Platinum Mastercard

  • 65,000 American Airlines miles after $4,000 in purchases in first the 4 months. Limited-time offer. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Chase United Explorer Card

  • Up to 60,000 bonus United miles. 40,000 miles after $2,000 in purchases within 3 months, an additional 20,000 miles after $8,000 total in purchases within the first 6 months. See link for details.
  • Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your United ticket.
  • Expanded award availability. Having this card makes it easier to find that saver award economy ticket.
  • $0 annual fee for the first year, then $95.
  • Subject to 5/24 rule.

  • Up to 75,000 bonus miles. 50,000 miles after $2,000 in purchases within 3 months, an additional 25,000 miles after $6,000 total in purchases within the first 12 months. See link for details.
  • Free first checked bag for primary cardmember when using your card to purchase eligible tickets directly from Hawaiian Airlines.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

IHG Rewards Club Premier Card

  • Up to 120,000 IHG Rewards club points: 80,000 points after $2,000 in purchases within the first 3 months, an additional 40,000 points after $5,000 in total purchases within 6 months of account opening. See link for details.
  • Free Night after each account anniversary year (valued up to 40,000 IHG points).
  • $89 annual fee.
  • Subject to 5/24 rule.

Marriott Bonvoy Boundless Card

  • 100,000 Marriott Bonvoy points after $5,000 in purchases within the first 3 months. Limited-time offer. See link for details.
  • Free Night after each account anniversary year (valued up to 35,000 Marriott points).
  • $95 annual fee.
  • Subject to 5/24 rule.

Gold Delta Skymiles Card from American Express

  • 60,000 Delta Skymiles after $2,000 in purchases within the first 3 months + $50 statement credit after a Delta purchase within your first 3 months. Special referral offer expires 5/1/19. See link for details.
  • 60,000 Skymiles are worth at least $600 in Delta airfare with “Pay with Miles” option.
  • First checked bag free on Delta flights ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $95.

Bank of America Premium Rewards Card

  • 50,000 points (worth $500 towards travel) after $3,000 in purchases within the first 90 days. See link for details.
  • 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
  • $100 annual Airline Incidental Statement Credit.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Capital One Savor Cash Rewards Card

  • $500 cash bonus after $3000 in purchases within the first 3 months. See link for details.
  • 4% cash back on dining and entertainment.
  • $0 annual fee for the first year, then $95.

Chase World of Hyatt Card

  • Up to 50,000 Hyatt points. 25,000 Bonus Points after $3,000 in purchases in the first 3 months. Plus an additional 25,000 Bonus Points after a total of $6,000 in purchases within the first 6 months. See link for details and rough valuation of points.
  • $95 annual fee, free night award upon card anniversary.
  • Subject to 5/24 rule.
“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Chase United Explorer Card Review – 60,000 Bonus Miles Limited-Time Offer

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

New limited-time offer. The United Explorer Card is a co-branded Chase credit card that offers unique perks on United Airlines including free checked bags and expanded award seat availability for redeeming miles. Right now, there is also a limited-time offer bump up to 60,000 bonus miles with no annual fee during the first year. Here are the highlights:

  • Limited time offer – Up to 60,000 bonus miles. 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus earn an additional 20,000 bonus miles after you spend $8,000 total on purchases in the first 6 months your account is open.
  • Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket.
  • Expanded award availability. Having this card makes it easier to find that saver award economy ticket.
  • Up to $100 Global Entry or TSA PreCheck Fee Credit
  • Priority boarding + 2 United Club one-time passes every year for your anniversary.
  • 2X miles at restaurants and on hotel stays.
  • 2X miles per on purchases from United.
  • 25% Back on United inflight purchases (Wi-Fi, Food and Drinks).
  • No foreign transaction fees.
  • Your miles don’t expire as long as your credit card account is open, with no limit to the number of miles you can earn.
  • Use your miles for any seat, any time, on any United flight.
  • $0 intro annual fee for the first year, then $95.

Keep in mind the following terms and conditions:

This product is available to you if you do not have this Card and have not received a new Cardmember bonus for this Card in the past 24 months.

This card is very focused on making it a better experience to fly on United. Before you board, you might use one of your free United Club lounge passes. You have the first checked bag for free on United flights, both for your and a companion traveling on the same reservation. The fee is usually $30 per person, each way, so quadrupling that is how they get the value of $120 each roundtrip. You also get Priority Boarding, which helps you find space for your carry-on. While onboard, you get 25% back on your inflight purchases of WiFi, food, and drinks.

Expanded award availability. You earn United miles for all your purchases (double miles on restaurants and hotel stays), but then they also make it easier for you to redeem those miles on Saver level tickets with no blackout dates. Expanded award seat availability is another of the top perks from this card, and I’ve found there is actually a significant difference when searching. If you’re constantly trying to find economy tickets for the entire family like me, this is a big deal. Saver Award ticket redemptions start at 12,500 miles one-way within the continental U.S. and Canada.

Another unique feature of this card is that it offers primary coverage on the Auto Rental Collision Damage Waiver. On most other consumer cards, this coverage is offered as secondary coverage, meaning it only kicks in after your personal auto insurance has been exhausted.

Bottom line. The United Explorer Card offers great perks for folks that fly United even just once or twice a year. The card provides lounge passes, a free checked bag, priority boarding, and inflight discounts. There are bonus categories to earn more miles, and special expanded award seat inventory for credit card holders to make it easier to actually redeem those miles for flights. Right now, there is a limited-time offer up to 60,000 bonus United miles with no annual fee during the first year.

I’ll be adding this limited-time offer to my list of Top 10 Best Credit Card Bonus Offers.

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Gold Delta SkyMiles American Express – 60,000 Miles + $50 Statement Credit Referral Offer

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

The has a limited-time offer if you are referred. Highlights:

  • Earn 60,000 bonus miles after you spend $2,000 in purchases on your new Card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months. Limited Time Offer Ends 05/01/2019.
  • 60,000 Skymiles is worth $600 in Delta airfare minimum. With this card, you get a minimum value out of your Skymiles via the “” option. 60,000 Skymiles can reduce the price of your Delta ticket by $600 at the very least. (5,000 mile = $50 minimum redemption.) You can still book the traditional award tickets and possibly get better value.
  • First checked bag free. Delta now charges $30 for the first checked bag, each way. That means this perk is worth $60 per person each roundtrip. For a family of four, this perk is worth $240 per person each roundtrip.
  • Enjoy Main Cabin 1 Priority Boarding.
  • Annual fee is waived for the first year, then $95.

Here is my link for the . Thanks if you use it.

I will be adding this limited-time offer to the Top 10 Best Credit Card Bonus Offers.

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

5% Cash Back Cards: Gas Stations, Grocery Stores, Restaurants – April to June 2019

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

5percentback2nd Quarter 2019 registration is now open! The credit cards below offer up to 5% cash back on specific categories that rotate each quarter. It takes a little extra attention, but it can add up to $100+ in additional rewards per year without changing your spending habits. You can also buy gift cards with the 5% back now but spend the gift cards later. New cardmembers may also get an upfront sign-up bonus.

Chase Freedom VisaChase Freedom – $150 Bonus

From April 1st through June 30th, 2019 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Grocery Stores (excludes Wal-mart and Target)
  • Home Improvement Stores

Enroll each quarter at ChaseBonus.com. As long as you activate by the end of the quarter the rewards are retroactive. All other purchases earn 1% back, with no tiers or expiration of rewards. Technically, you earn Ultimate Rewards points which can also be converted to airline miles or hotel points instead of cash if you have a Chase Sapphire Preferred or Chase Sapphire Reserve card. Currently, the Chase Freedom card is offering $150 bonus cash back if you sign up and make $500 in purchases in your first three months. No annual fee.

Discover it 14 ImageDiscover it Card

From April 1st through June 30th, 2019 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Gas Stations
  • Uber
  • Lyft

Enroll after logging into your online account (look on the right-hand side). 5% rewards won’t apply until after you activate your rewards, so it is best to activate now before you forget. No annual fee.

New cardmember bonus details. If you are a new applicant and sign up via my , you will get a $50 Cashback Bonus after your first purchase within 3 months of being approved. You will also get Cashback Match for an entire year – a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. During those 12 months, your $50 Cashback Bonus becomes $100, your 5% cash back rewards becomes 10% cash back, and your 1% cash back rewards become 2% cash back. You can verify this on the application by clicking on “See rates, rewards and other info” and searching for this text:

Cashback MatchTM: : No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you’ve earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You’ve earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.

TERMS OF CASHBACK BONUS OFFER: Get a $50 Cashback Bonus after you make your first purchase within 3 months of being approved. Promotional award will be applied within 8 weeks. The promotional award is in addition to the Cashback Bonus earned on all purchases.

ABOC Platinum Rewards Card – $150 Statement Credit Offer

From April 1st through June 30th, 2019 you can earn 5X rewards on up to $1,500 spent in the following categories:

  • Wholesale Clubs
  • Home Improvement Stores

You must register each quarter at ABOCRewards.com or in your online account. Currently, the ABOC Platinum Rewards Mastercard is offering a $150 statement credit if you sign up and make $1,200 in purchases in your first 90 days. No annual fee.

U.S. Bank Cash+ Visa Signature Card. You get to choose the two 5% cash back categories every quarter, out of a preset selection of ;

  • Fast Food
  • Cell Phone Providers
  • Home Utilities
  • Ground Transportation
  • Select Clothing Stores
  • Electronics Stores
  • Car Rentals
  • Gyms/Fitness Centers
  • Sporting Goods Stores
  • Department Stores
  • Furniture Stores
  • Movie Theaters
  • TV, Internet, and Streaming Services

Unfortunately, you can’t pick a broad category like gas stations, restaurants, or grocery stores. Make sure to choose your categories each quarter, even if you want them to stay the same. If you do not choose your categories, all purchases revert to only earning 1% cash back for that quarter.

Currently, the U.S. Bank Cash+ Visa card is offering $150 bonus cash back if you sign up and make $500 in eligible net purchases in your first 90 days. No annual fee.

American Express Blue Cash Preferred Card. This card earns 6% cash back at US supermarkets all year long (on up to $6,000 per year) and 3% cash back at US gas stations. I use this card all year long for groceries, and then in December use up the $6k annual limit on gift cards bought in the supermarket aisle. New cardholders are also eligible for a $200 statement credit after $1,000 in purchases within the first 3 months. $95 annual fee. See details in link.

Amazon Prime Rewards Card. Earn 5% back at Amazon.com and Whole Foods all year long. Prime membership required. 2% cash back at restaurants, gas stations, and drugstores (yawn… see below). New cardholder bonus varies by person. No annual fee.

Citi Dividend Card. This card is no longer available to new applicants, but if you still have the grandfathered card you can to get 5% cash back at Gas Stations and Home Depot during Q1 2019. You are capped at $300 cash back for the calendar year. No annual fee.

Don’t settle for the “1% on everything else” that these cards offer. Get 2% cash back or higher. The following cards currently have the ability to offer cash back rewards as high as 2% or even greater. Please read my card-specific reviews for details.

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Chase Sapphire Preferred Card Improved Bonus: 60,000 Points = $750 In Travel, 2X Points on Travel and Dining

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Update with improved 60k offer. The Chase Sapphire Preferred Card is a premium travel rewards credit card, now with an improved offer that is the best publicly-available bonus in years. The card earns points that can be redeemed for cash, travel credits, or transferred to airline miles. Here are the highlights:

  • 60,000 bonus Ultimate Rewards points after $4,000 in purchases within the first 3 months.
  • 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. That means 60,000 points are worth $750 toward travel. No blackout dates. As long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards.
  • 2X points on travel and dining at restaurants worldwide. 1 point per dollar spent on all other purchases.
  • Chase Sapphire Preferred named “Best Credit Card for Flexible Travel Redemption” – Kiplinger’s Personal Finance, June 2018.
  • No foreign transaction fees.
  • 1:1 point transfer to leading airline and hotel loyalty programs.
  • $95 annual fee.

(Quick background: The previous offer was 50,000 bonus points with the annual fee waived during the first year. This one is 60,000 bonus points and a $95 annual fee. Since an extra 10,000 Ultimate Rewards points are worth at least 1.25 cents per point towards travel, that’s still a net $30 minimum improvement with a conservative estimate. Now, I just did an instant transfer to Hyatt last week that got me 2 cents per point value, which shows that the real value of Ultimate Rewards points is in its flexibility in transferring to places like United miles and Hyatt points as needed to reach a free night or flight.)

Note the following text:

The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months.

Note that Chase has an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.

Ultimate Rewards points. This card offers a special 25% bonus on travel redemptions made through the Ultimate Rewards travel website. For example, 60,000 Ultimate Rewards = $750 in travel. Similar to Expedia or Travelocity, you can book flights on most major airlines and hotel chains. This makes it much more flexible to spend your points. You can even buy something more expensive and pay the difference.

If you have other Chase cards that earn Ultimate Rewards points like the Freedom, Freedom Unlimited, Ink Business Cash or Ink Business Unlimited, you can transfer points into this card account and take advantage of the this higher premium. In other words, your existing Ultimate Rewards points balance could be increased in value by getting this card.

The Chase Sapphire Reserve Card is the “ultra-premium” rewards card that offers a bigger 50% bonus on travel redemptions, along with more perks and a higher annual fee.

Prefer airline and/or hotel points? This card also allows you to transfer Ultimate Rewards points into hotel and/or airline miles. Transfer to United Airlines, British Airways, Singapore Airlines, Korean Air, Southwest, Hyatt Hotels, IHG Hotels, and Marriott Hotels at a ratio of 1 Ultimate Rewards point = 1 mile/hotel point. Miles redemption continue to offer great value for savvy travelers, especially for last-minute travel and business class seats. I personally use the transfers to “top off” my account to reach a free coach ticket or free hotel night when I don’t have enough points otherwise. My favorite options are United miles, Southwest miles, and Hyatt hotel points. In this manner, I can often get close to 2 cents per point value.

Cash redemptions are a simple and easy option, but the conversion is a straight 100 points = $1.

Sharing points. Ultimate Rewards points are instantly transferable to other accounts like family members, as long as they have their own Chase card with Ultimate Rewards as an authorized user (free with Chase Freedom). This way, you can pool points together for transfers and redemptions if you like.

Additional card benefits:

  • Premium, dedicated customer service line with a live person, 24/7. A real person picks up after a couple rings, no phone trees or typing those darn 16 digits over and over. You can use this feature to redeem cash rewards over the phone for free, although booking rewards tickets over the phone costs $20 (doing so online is free).
  • Primary car rental collision damage waiver insurance. Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental cars in the U.S. and abroad. Most other cards only offer secondary coverage that kicks in only after the deductible of your individual insurance policy is used.
  • Trip Cancellation/Trip Interruption Insurance. If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
  • Trip Delay Reimbursement. If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket

Bottom line. The Chase Sapphire Preferred Card has a 60,000 Ultimate Rewards points sign-up bonus, 2X points on Dining/Travel, and a $95 annual fee. This card has become quite popular because it is easy on both the earning and redeeming of rewards. Earning double miles on travel and restaurants is a useful category where a lot of people spend a lot of money (that’s not housing or student loans). If you can find a good use for airline miles, you can transfer them over. If you can’t, the 1.25 cent per point value on travel redemptions is easy to use. This is one of the few cards where I think paying the annual fee is worth it.

You can only get one Sapphire bonus every 48 months, so compare with the Chase Sapphire Reserve Card, which offers a bigger 50% bonus on travel redemptions, along with more perks and a higher annual fee.

I will be updating this improved offer on my list of Top 10 Best Credit Card Bonus Offers.

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Hawaiian Airlines World Elite MasterCard Review – Up to 75,000 Bonus Miles

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

The is the official co-branded card with perks like Hawaiian miles for purchases, a free checked bag, and companion ticket discounts. Sometimes it has the Bank of Hawaii logo on it, but in all cases it is issued by Barclaycard. If you like to fly to/from Hawaii, right now there is a limited-time offer of up to 75,000 bonus miles if you meet the spending requirements. Here are the highlights:

  • 50,000 bonus miles after $2,000 in purchases within the first 3 months, an additional 25,000 bonus miles after spending $6,000 total on purchases in the first 12 months.
  • One-Time 50% Off Companion Discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines.
  • $100 annual companion ticket discount each year for roundtrip travel between Hawaii and North America on Hawaiian Airlines.
  • Free first checked bag on Hawaiian Airlines flights book with card (primary cardholder only)
  • 3X miles for every $1 spent on purchases made directly from Hawaiian Airlines
  • 2X miles per $1 spent on gas, dining, and grocery store purchases, and 1X mile per $1 spent on every other purchase.
  • No foreign transaction fees
  • $99 annual fee

Note: If you can only make the $2,000 within 3 months spending requirement and not the $6,000 within 12 months, consider this of 60,000 bonus miles after $2,000 in purchases within 3 months.

ShareMiles. A unique feature of Hawaiian Airlines is that with this card, they allow you to receive Hawaiian miles from other members without a fee. This is handy if your family members have a few miles here and there, as you can now pool them all together to reach an award level.

Domestic award travel discount. These are from their standard award chart to help you value these miles if you don’t have this card:

  • Interisland flights: 7,500 miles one-way (SuperSaver), 10,000 (Saver), and 15,000 (Flex)
  • Hawaii to Mainland US roundtrip in Coach: 40,000 miles roundtrip (SuperSaver), 60,000 (Saver), and 80,000+ (Flex)
  • Hawaii to Mainland US roundtrip in First Class: 80,000 (Saver), and 160,000+ (Flex)

However, if you do have a Hawaiian Airlines card, then you can receive certain discounts:

  • Interisland flights: 8,500 miles one-way (Saver), and 12,500 (Flex)
  • Hawaii to Mainland US roundtrip in Coach: 35,000 miles roundtrip (SuperSaver), 50,000 (Saver), and 60,000+ (Flex)

Value. As you might expect, grabbing a SuperSaver award seat means that you’ll have to book early as there are only a limited amount of such seats available per flight. They often also involve a layover on another island, which adds a few couple hours to your total travel time. Still, a quick search found some flights for 40,000 miles + $11.20 in fees that would have cost $541 with cash, for a value of 1.3 cents per mile. You just can’t be too picky with your flight times.

Bottom line. The offers a unique set of perks for regular customers of Hawaiian Airlines, including miles for purchases, free checked bags, and companion ticket discounts. Right now, there are limited-time offers on their sign-up bonuses. 75,000 Hawaiian miles is enough for two roundtrip SuperSaver coach tickets between the Hawaii and the mainland, or one first-class award ticket.

I will be adding this offer to my ongoing list of Top 10 Best Credit Card Bonus Offers. I don’t think the timing of this limited-offer to coincide with the first flights to Hawaii by Southwest Airlines is a coincidence. If you like flying to Hawaii, consider that if you can get enough points to qualify for the Southwest Companion Pass with a little help from their credit cards, that means those Rapid Rewards award tickets + free companion tickets work on Hawaii flights as well!

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

United Explorer Business Card Review – 50,000 Bonus Miles

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

The United Explorer Business Card is the co-branded business credit card between Chase and United Airlines. This card offers unique perks for regular United customers including free checked bags and expanded award seat availability for redeeming miles. Here are the highlights:

  • 50,000 bonus United miles after spending $3,000 within the first 3 months.
  • Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket.
  • Two one-time United Club passes each year ($100+ value)
  • Expanded award availability. Having this card makes it easier to redeem for that saver award economy ticket.
  • Priority boarding for you and companions on the same reservation on United-operated flights.
  • 2X miles at restaurants, gas stations and office supply stores.
  • 2X miles on United purchases and 1 mile per $1 spent on all other purchases.
  • No foreign transaction fees.
  • Your miles don’t expire as long as your credit card account is open, with no limit to the number of miles you can earn.
  • Employee cards at no additional cost.
  • $0 intro annual fee for the first year, then $95.

Keep in mind the following terms and conditions:

This product is available to you if you do not have this Card and have not received a new Cardmember bonus for this Card in the past 24 months.

However, you CAN get this card if you had the consumer version of the United Explorer in the past 24 months (or have one now).

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, Uber/Lyft drivers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

Note that Chase has an unofficial rule that they will most likely deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.

The good news is that small business cards from Chase hardly ever show up on personal credit reports, so getting this card in itself won’t affect your future 5/24 eligibility. This it makes a “free” application if you are already eligible.

This card is very focused on rewarding you for being a United customer. Before you board, you might use one of your free United Club lounge passes. You have the first checked bag for free on United flights, both for your and a companion traveling on the same reservation. The fee is usually $30 per person, each way, so that this how they get the value of $120 each roundtrip. You also get Priority Boarding, which helps you find space for your carry-on.

Expanded award availability. You earn United miles for all your purchases (double miles on restaurants and hotel stays), but then they also make it easier for you to redeem those miles on Saver level tickets with no blackout dates. Expanded award seat availability is another of the top perks from this card, and it is actually a significant difference. Saver Award ticket redemptions start at 12,500 miles one-way within the continental U.S. and Canada.

Another unique feature of this card is that it offers primary coverage on the Auto Rental Collision Damage Waiver. On many other cards, this coverage is offered as secondary coverage, meaning it only kicks in after your personal auto insurance has been exhausted.

Bottom line. The United Explorer Business card offers valuable perks for folks that fly United even just once or twice a year. The card provides lounge passes, a free checked bag, priority boarding, and inflight discounts. There are bonus categories to earn more miles, and special expanded award seat inventory for credit card holders to make it easier to actually redeem those miles for flights.

I have added this card to the Top 10 Best Small Business Card Bonus Offers.

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Top 10 Best Small Business Credit Card Bonus Offers – April 2019

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Do you have small business income or work as an independent contractor? Uber/Lyft, Amazon, eBay, Etsy, Airbnb? You are eligible to open a small business credit card, which keeps your personal and business expenses separate. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. I did this for years successfully before incorporating my business.

Small business credit cards are offering strong perks and $500+ value for a single card during the first year to try out a new card. Below are the top 10 credit card offers that I would apply for (or have applied for already) as of April 2019. Recent changes:

  • CitiBusiness American – limited-time 75k offer.
  • Improved Alaska Air Business 40k + BOGO offer.
  • Updated 100k Marriott Bonvoy Business limited-time offer.
  • Updated CitiBusiness AA card offer.

This is a companion post to my Top 10 Best Credit Card Bonus Offers for personal cards. Notice that small business bonuses are on average even higher than those on consumer cards.

Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

Chase Ink Business Preferred Card

  • 80,000 Ultimate Rewards points (worth $1,000 towards travel!) after $5,000 in purchases in the first 3 months. See link for details.
  • 3X points on the first $150,000 spent on travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines.
  • Primary rental car coverage when renting for business purposes.
  • $95 annual fee.
  • Subject to 5/24 rule.

Chase Ink Business Unlimited Card

  • $500 bonus cash back after $3,000 in purchases in the first 3 months. See link for details.
  • Flat 1.5% cash back on all purchases with no limit.
  • No annual fee.
  • Subject to 5/24 rule.

Chase Ink Business Cash Card

  • $500 bonus cash back after $3,000 in purchases in the first 3 months. See link for details.
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • No annual fee.
  • Subject to 5/24 rule.

CitiBusiness / AAdvantage Platinum Select Mastercard

  • 75,000 American Airlines miles after $5,000 in purchases in first the 5 months. Limited-time offer. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Marriott Bonvoy Business American Express Card

  • 100,000 bonus points after $5,000 in purchases in the first 3 months. Limited-time offer expires 4/24/19. See link for details.
  • Free night award upon card anniversary (worth up to 35,000 Bonvoy points). Earn an additional Free Night Award after spending $60K in purchases on your Card in a calendar year.
  • Annual fee is $125.

Capital One Spark Cash for Business Card

  • $500 cash bonus after $4,500 in purchases in the first 3 months. See link for details.
  • Flat 2% cash back on all purchases with no limit.
  • $0 annual fee for the first year, then $95.

Capital One Spark Miles for Business Card

  • 50,000 bonus miles after $4,500 in purchases in the first 3 months. 50,000 miles is redeemable for $500 towards travel. See link for details.
  • Flat 2X miles per dollar on all purchases with no limit.
  • $0 annual fee for the first year, then $95.

Southwest Rapid Rewards Premier Business Card

  • 60,000 Rapid Rewards points (redeemable for $900+ in Wanna Getaway airfare) after $3,000 in purchases in the first 3 months. See link for details.
  • $99 annual fee.
  • Combine with the Southwest Rapid Rewards Premier Consumer Card to earn the Southwest Companion Pass.
  • Subject to 5/24 rule.

  • $600 cash back. Earn a $200 statement credit after each $10,000 you spend in purchases, up to $30,000, within the first 3 months. See link for details.
  • 1.5% early pay discount on all purchases which stacks on top of the bonus above.
  • $0 annual fee for the first year, then $250.

  • Up to 65,000 total American Airlines miles: 50,000 miles after $3,000 in purchases in the first 3 months 15,000 bonus miles after a total of $10,000 in purchases within the first 12 months. See link for details.
  • First checked bag free on domestic flights perk ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

United Explorer Business Card

  • 50,000 United miles after $3,000 in purchases in the first 3 months. See link for details.
  • Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip).
  • Expanded award availability. Having this card makes it easier to redeem for that saver award economy ticket.
  • Primary rental car coverage when renting for business purposes.
  • $0 annual fee for the first year, then $95.
  • Subject to 5/24 rule.

(Barclaycard)

  • 50,000 Hawaiian miles after $1,000 in purchases with the first 90 days. See link for details.
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and the Mainland on Hawaiian Airlines.
  • $99 annual fee.

(Bank of America)

  • 40,000 Alaska miles + BOGO Companion Fare Voucher after $2,000 in purchase within 90 days. See link for details.
  • Companion fare voucher is “Buy one ticket, get one for just taxes and fees” ($0 fare taxes and fees from just $22).
  • Free checked bag on Alaska flights for you and up to six other passengers on the same reservation.
  • $50 annual fee for company, $25 per card.
“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

Delta SkyMiles American Express Cards

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

American Express and Delta Airlines have various credit cards that offer special perks like free checked bags, priority boarding, and the ability to earn Delta Skymiles with card purchases. However, as you can only get the welcome bonuses once on each of these cards per person per lifetime (each card is considered different), I recommend waiting until a limited-time offer to maximize your benefit.

Gold Delta SkyMiles® Credit Card

  • Earn 30,000 Bonus Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.
  • First checked bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four ($30 each way, per person).
  • Main Cabin 1 Priority Boarding.
  • $0 introductory annual fee for the first year, then $95.

Delta now offers a minimum value out of your Skymiles via the “Pay with Miles” option. 30,000 Skymiles can reduce the price of your Delta ticket by $300 at the very least. (5,000 mile = $50 minimum redemption.) You can still book the traditional award tickets and possibly get better value. The annual fee is waived for the first year.

Platinum Delta SkyMiles® Credit Card

  • EXPIRED: This limited-time offer has expired.
  • First checked bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four ($30 each way, per person).
  • Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.
  • Main Cabin 1 Priority Boarding.
  • $195 Annual Fee.

In my opinion, a good reason to pick the Platinum over the others is if you can use that companion certificate. I used to have the Platinum version when I flew on Delta a lot, and it was easy to get $300+ value out of it every year when my wife and I flew together. The MQM boosts also help if you are trying to reach a certain status level.

Delta Reserve® Credit Card from American Express

  • EXPIRED: This limited-time offer has expired.
  • Complimentary Delta Sky Club® access. Enter Delta Sky Club® at no cost and bring up to two guests for an exclusive rate of $29 per person per visit.
  • First checked bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four ($30 each way, per person).
  • Domestic First Class, Delta Comfort+® or Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.
  • Main Cabin 1 Priority Boarding.
  • $450 Annual Fee.

In my opinion, the main reason to pick the Reserve over the others is if you fly Delta a lot and get enough value out of lounge access via the Delta Sky Club membership. I am disappointed that the perk doesn’t include family members or companions on the same itinerary, however. The First Class companion certificate is also pretty cool, but I am personally unwilling to pay cash for a First Class seat, even if the second one is free ( taxes and fees). You may feel differently.

Every card above also offers 2X miles on direct Delta purchases and 1X miles on all other purchases. You get 2 miles for every dollar spent directly with Delta. This includes flights booked on Delta.com, seat upgrades, Sky Club membership or day passes, Delta Vacations packages, or in-flight food/entertainment purchases like food, beverages, and entertainment.

“My Money Blog has partnered with CardRatings for our coverage of selected credit card products. My Money Blog and CardRatings may receive a commission from card issuers. All opinions expressed are the author’s alone, and the content has not been provided nor approved by any of the companies mentioned. Thank you for supporting this independent site.”

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