Hilton American Express Cards Limited-Time Offers – Up to 130,000 Hilton Points Each

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Hilton Hotels has two American Express consumer cards, a no annual fee and a $95 annual fee version (with more perks of course). There is also a business card version. Right now, the consumer cards have a limited-time increase to their welcome offer, from 90,000 to 130,000 points + free weekend night. (Offers have been 50k and 100k in the past.) Each person can only get one welcome offer, per card in your entire lifetime, so it’s best to apply during one of these temporary bump-ups. (You could get all three of these welcome offers separately, but only one per card per person per lifetime.)

What are Hilton Honor points worth? The best value is from booking free hotel nights or using their “Points & Money” option where you pay with a combination of Hilton points and cash. Hilton has some really nice properties, but the value varies from hotel to hotel. I just ran a search and for the same 60,000 Hilton points, I could book rooms that cost $320 or $532 cash. I’ve seen some valuations around 0.6 cents per point, which I think is fair on average, but I would be more conservative at 0.5 cents a point. That would make 90,000 points = $450 value and 130,000 points = $650 value towards Hilton hotel stays.

The good part of Hilton points is that they have so many different hotel brands, from business-class DoubleTree to luxury Waldorf Astoria. Hilton also lets you transfer and pool points with other with other family or household members. As long as you keep them active (once every 12 months), I do like to keep some around. These credit cards are good at creating activity, but here’s another tip on how to keep Hilton points active.

Hilton Honors American Express Surpass® Card

  • 130,000 Hilton Honors Bonus Points and a free weekend night reward after you $4,000 in purchases within first 4 months.
  • Earn an additional Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • 12X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 6X Hilton Honors points on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3X Hilton Honors points for all other eligible purchases.
  • Free Honors Gold status (free breakfast, room upgrades based on availability, 5th standard reward night free).
  • Spend $40,000 in a calendar year on this card and get Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.

(This offer is for first-time Surpass cardmembers only, and not eligible for those who previously had an Ascend Card.)

Hilton Honors American Express Card

  • 90,000 Hilton Honors bonus points after $2,000 in purchases within the first 3 months.
  • 7X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 5X Hilton Honors points on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3X Hilton Honors points for all other eligible purchases.
  • Free Honors Silver status (5th standard reward night free, 2 bottles of water in your room).
  • Spend $20,000 in a calendar year on this card and get Honors Gold status through the end of the next calendar year.
  • No foreign transaction fees.
  • No annual fee.

Hilton Honors American Express Business Card

  • 125,000 Hilton Honors bonus points after $3,000 in purchases within the first 3 months.
  • Earn a Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases in the same calendar year.
  • 12X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 6X Hilton Honors points on Select Business & Travel Purchases (ex. U.S. gas stations, U.S. restaurants, flights booked directly with airlines)
  • 3X Hilton Honors points for all other eligible purchases.
  • Free upgrade to Honors Gold status (free breakfast, room upgrades based on availability, 5th standard reward night free).
  • 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • $95 annual fee.

Bottom line. Hilton American Express cards offer regular Hilton customers a good opportunity to earn additional points towards free Hilton hotel stays as well as additional perks like status upgrades. The best time to apply for a Hilton co-branded American Express card is during a limited-time increase to their welcome offers. This is because American Express has changed their policy to only allow each person to get a welcome bonus once per card per lifetime.

During the limited-time offer, I will be adding the Hilton Honors American Express Surpass Card with a total net estimated first-year value of over $600 to my list of Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Datenfluss.info is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

American Express Blue Business Cash Card: 2% Cash Back on First $50,000 in Purchases, No Annual Fee

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

The American Express Blue Business Cash Card is a new business rewards card that earns 2% cash back on up to $50,000 of purchases per calendar year (then back down to 1% after that) and no annual fee. There is also a 0% intro APR offer on purchases and balance transfers for 12 months (variable rate after intro period). This card replaces the SimplyCash Plus card, which has been discontinued and is no longer open to new applicants.

This is a solid offer for small business owners who want a simple-yet-competitive rewards credit card. If your business purchases don’t exceed $50,000 within each calendar year, this card provides flat 2% cash back and no annual fee. (Many other 2% cash back cards charge an annual fee.) In addition, your cash back is automatically credited to your statement as a statement credit, so you don’t have to remember to redeem anything. Easy. Automatic. I would say the only drawback is that there is no welcome offer.

My primary small business card for day-to-day spending is the sibling Blue Business Plus Card from American Express (my review), which offers 2X Membership Rewards points on the first $50,000 in purchases each year and no annual fee. I prefer earning the double Membership Rewards points per dollar over 2% cash back because I regularly redeem each MR point for more than 1 cent per point of value. I enjoy the flexibility of having some Membership Rewards in my back pocket to convert to miles, points, etc, and I like not having to pay an annual fee.

If you don’t expect to get at least 1 cent per mile value by converting to airline miles or hotel points, then this card is better.

Business credit card eligibility. Many people aren’t aware that they can apply for business credit cards, even if they are not a corporation or LLC. Any individual can be a small business. Perhaps you sell items on eBay, Craiglist, or Etsy. Maybe you do some graphic design, web design, freelancing and/or consulting. If you received a 1099-MISC tax form and filled out a Schedule C, that means you have business income, you pay self-employment taxes, and you’re a sole proprietorship. 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.

This card will require you to personally guarantee that you’ll pay them back what you charge on the card, which means they’ll check your personal credit score like any other consumer card. However, as the card is a business card, American Express won’t have it show up on your personal credit report, so it won’t change things like your credit limits, average account age, or credit utilization ratio.

Bottom line. The American Express Blue Business Cash Card is a new small business card that earns a flat 2% cash back on ALL purchases up to $50,000 per calendar year with no annual fee. This is a high cash back percentage, and your rewards are automatically credited on the next monthly statement, so you don’t have to remember to redeem anything.

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Datenfluss.info is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

British Airways Visa Signature Credit Card Review: 100,000 Point Bonus

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

The British Airways Visa Signature Card is a co-branded travel card (issued by Chase) has brought back their bonus offer of up to 100,000 total Avios points with a split spending hurdle. Here are the highlights:

  • 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening.
  • 50,000 additional bonus Avios after you spend $20,000 on your purchases within your first year of account opening.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
  • Earn 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
  • No foreign transaction fees.
  • $95 annual fee.

The Avios reward chart is now based on how far you want to travel in terms of miles. So what can you do with all those points?

Redeem awards domestically on partner American Airlines. Within the US, it’s usually easiest to find flights on partner American Airlines. There are no fuel surcharges when booking with American. Seating availability will be limited, but if you are flexible there is decent inventory.

  • Los Angeles to Honolulu, Hawaii using only 26,000 Avios points roundtrip. I ran a quote in Fall and it cost $659 broken down to $621 fare and only $38 in taxes. So in this case you could save $621 in exchange for 26,000 points, which is 2.4 cents per point. You can also do JFK to LAX for 25k points roundtrip. (Avios chart updated 5/30/19.)
  • Shorter-distance flights can be a good deal as well. Roundtrip from Chicago to New York City is only 18,000 Avios points + about $30 in taxes. Charlotte, NC to New York City is only 12,000 Avios roundtrip. Los Angeles to Las Vegas is also 12,000 Avios roundtrip. Los Angeles to Portland, Oregon is 18,000 Avios roundtrip.

Finding partner awards on BA.com is better than is was in the past, so try it first. Type in your to/from cities within the US, choose to book flights with Avios points, and then click to include partners:

If you have the flexibility, you can also search for additional dates for more available seats. You may find more space going business class in the US.

Use the American Airlines AA.com website and look for “MileSAAver” awards. Record the exact flight dates and numbers, and then call at British Airways at 1-800-452-1201 to book them. If you can’t find the same flight on BA.com, they should waive the phone book fee (they did for me). Don’t be discouraged if you have to use this method, especially if you aren’t flying nonstop. Also, call back and talk with a different agent if they aren’t helpful initially.

Beware of fuel surcharges on British Airways flights. Don’t use Avios for a economy British Airways flight from USA to Europe, because you’ll still be subject to taxes and fees on award redemptions, which are often half the entire cost of the ticket. I ran a quick search for a random New York City (JFK) to London (LHR) flight that cost $1,050, the taxes and fees alone were $650. You can get the $400 “fare” for 40,000 Avios points, but that’s only 1 cent a point value.

Note the following language:

This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.

Bottom line. The British Airways Visa credit card has a new bonus structure of up to 100,000 Avios, split into two spending requirements for 50,000 each. 100,000 Avios is nearly enough for 4 economy tickets from the West Coast to Hawaii (or West Coast to NYC) roundtrip on American or Alaska Airlines (104,000 Avios). In addition, for every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll also earn a Travel Together Ticket good for two years.

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Datenfluss.info is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Southwest Credit Card Bonuses Toward 2019/2020 Companion Pass to Hawaii (Up to 80k Points)

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

New 80,000 point business card bonus, perfect for those aiming at Companion Pass! Southwest Airlines offers a unique feature called the , which lets you pick one person to fly with free when you book either paid or award flights. If you either fly 100 qualifying one-way flights or earn 110,000 qualifying points in a calendar year, and you’ll earn the Companion Pass for the remainder of that year the following full calendar year. For example, if you earned it in June 2019, you would have the benefit for the rest of 2019 and all of 2020. You can change your designated companion up to three times each calendar year.

Points earned from credit cards count toward that 110,000 point requirement, including sign-up bonuses. You can often get very close to that magic number when you add up the potential miles from these Southwest credit cards:

Southwest Rapid Rewards® Plus credit card

  • 40,000 Rapid Rewards points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 3,000 bonus points after each Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases.
  • 1 point per $1 spent on all other purchases.
  • $69 annual fee.

Southwest Rapid Rewards® Premier card

  • 40,000 Rapid Rewards points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after each Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases.
  • 1 point per $1 spent on all other purchases.
  • $99 annual fee.

Southwest Rapid Rewards® Priority card

  • 40,000 Rapid Rewards points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 7,500 bonus points after each Cardmember anniversary.
  • $75 Southwest annual travel credit.
  • Four Upgraded Boardings per year when available.
  • 20% back on inflight drinks, WiFi, messaging, and movies.
  • Earn tier qualifying points towards A-list status.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases.
  • 1 point per $1 spent on all other purchases.
  • $149 annual fee.

Southwest Rapid Rewards Premier Business card

  • 60,000 Rapid Rewards points after you spend $3,000 on purchases in the first 3 months.
  • 6,000 bonus points after each Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases.
  • 1 point per $1 spent on all other purchases.
  • $99 annual fee.

Southwest Rapid Rewards Premier Business card

  • 60,000 Rapid Rewards points after you spend $3,000 on purchases in the first 3 months.
  • 6,000 bonus points after each Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases.
  • 1 point per $1 spent on all other purchases.
  • $99 annual fee.

Southwest Rapid Rewards Performance Business card

  • 80,000 Rapid Rewards points after you spend $5,000 on purchases in the first 3 months.
  • 9,000 bonus points after each Cardmember anniversary.
  • 3 points per $1 spent on Southwest Airlines® purchases.
  • 2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Inflight WiFi Credits of up to 365 x $8 credits.
  • Global Entry or TSA Pre?® Fee credit in the form of a statement credit of up to $100 every four years.
  • $195 annual fee.

Value of Rapid Rewards points. Redeeming Southwest points for flights varies in a narrow range, but a very reasonable approximation from my experience is 1.5 cents in Wanna Get Away airfare in per point. That works out to $600+ in Wanna Get Away airfare from 40,000 points or $1,200+ in Wanna Get Away airfare from 80,000 points (you are still liable for taxes and fees from $5.60 one-way). Importantly, Southwest does NOT have blackout dates or seat restrictions when you redeem with points. This means that Southwest points are much easier to use than a “saver award” on traditional airlines.

Now, if you manage to qualify for the the Companion Pass on every trip that you book with those points, that doubles the potential value of each award redemption. In other words, 110,000 Rapid Rewards, would usually get you $1,700 in Wanna Get Away airfare, but with the Companion Pass you’d get an extra companion ticket for every flight booked.

A backup option is gift card redemptions. You can still redeem 5,000 points for a $50 a Amazon.com or Wal-Mart gift certificate. That makes 60,000 points still worth $600 in Amazon or Walmart gift cards.

Southwest still includes two free checked bags per person. The fees on the other airlines have crept up to $30 per bag, each-way. That adds up.

Our family policy is to not try out a new credit card unless it offers us $500 in total value. Just the free award flights from the points are enough to satisfy that rule, and then you can add on the potential value of the companion tickets.

Card restrictions. All of these Southwest credit cards are 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:

The product is not available to either (i) current Cardmembers of any Southwest Rapid Rewards® Credit Card, or (ii) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months. This does not apply to Cardmembers of the Southwest Rapid Rewards Business Card and Employee Credit Card products.

Basically, you can get one sign-up bonus from a Southwest consumer card once every 24 months. You can also get one sign-up bonus from a Southwest business card once every 24 months.

Extending your Companion Pass with Chase Ultimate Rewards points. If you have the Chase Sapphire Preferred or Chase Sapphire Reserve, you can transfer Ultimate Rewards points to Southwest points on a 1:1 basis. The idea is is to book an award flight with those Southwest points while you have the Companion Pass, thus doubling the value of your Ultimate Rewards points as well.

Bottom line. Right now, you can earn up to 80,000 Southwest points from qualifying for a single credit card sign-up, which in itself can be redeemed for a lot of free Southwest flights. However, if you can qualify for two (one personal and one business), you can surpass the 110,000 points needed for the Southwest Companion pass, which provides a free companion ticket on every flight bought with cash or points for the rest of 2019 and all of 2020. Finally, Southwest still includes two free checked bags per person on every flight.

Also see: Top 10 Best Credit Card Bonus Offers and also the Top 10 Best Business Card Offers.

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Datenfluss.info is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Chase World of Hyatt Card Review: 50,000 Bonus Points, 10% Back Promotion

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

(Existing or new World of Hyatt or the Hyatt Credit cardholders: Register for of any Hyatt points you redeem between July 1st and September 2nd, 2019. You must register before July 15th and finish your stay by September 2nd. You can already have your stay booked, which works out great for me because I am already set to redeem over 100,000 points in late July. That’s like finding an extra $100 to $200 in my case.)

Chase has launched a new The World of Hyatt credit card, which replaces their previous Hyatt co-branded card. There is a current sign-up bonus of up to 50,000 Hyatt points. Here are the highlights:

  • Up to total 50,000 points – 25,000 points after you spend $3,000 on purchases in the first 3 months from account opening. Additional 25,000 bonus points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year.
  • Get automatic World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year.
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card.
  • $95 annual fee.

If you’ve gotten a bonus from any Hyatt Card within the last 2 years, please note the following:

The product is not available to either (i) current Cardmembers of any Hyatt Credit Card, or (ii) previous Cardmembers of any Hyatt Credit Card who received a new Cardmember bonus within the last 24 months.

If you have the old Chase Hyatt card, you can call them up and ask for upgrade options.

The 5/24 rule applies to this card. On many Chase cards, there 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 (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This is applied on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers. The 5/24 rule is now believed to apply to this card.

What can you get with 50,000 Hyatt points? Here are all the , but the most popular options are for free hotel nights, points+cash hotel combinations, or room upgrades. Hyatt allows you the flexibility of combining your points with any other World of Hyatt member to redeem an award.

After the recent Marriott/Starwood merger, I believe that Hyatt points are now the most valuable hotel points on a per-point basis. In general, I would rather convert my Chase Ultimate Rewards points into Hyatt points than any other hotel program.

Below is their points award chart, and here is their . Free rooms start at 5,000 points. A suite upgrade is 6,000 points.

For example, 50,000 points can get you two free nights at the Category 6 properties like the Hyatt Regency Maui or Grand Hyatt Kauai (25,000 pts/night). You also avoid the resort fees of up to $45 per night with an award redemption. Alternatively, 50,000 points would get you 4 nights at a Category 3 like the Hyatt Regency Grand Cypress in Orlando (12,000 pts/night) with some points left over. Finally, you could get 10 nights at 5,000 points per Category 1 night like the Hyatt Place Austin/Round Rock.

If you compare with the cash cost of these hotels, the number varies you are nearly always getting between 1 cent and 2 cents per point value, sometimes more. We are staying at the Grand Hyatt Kauai this summer on Hyatt points from this card, where the cash value is $701 per night when you include all taxes and the $35/night resort fee. That works out to 2.8 cents per Hyatt point.

Annual fee and free anniversary night. This card does have a $95 annual fee, but in exchange you get a Free Night Certificate good at any Category 1-4 hotel or resort. I can easily get $95 of value out of this certificate, so this card is a keeper card for me. Your travel situation may be different.

You can also earn an additional free night at any Category 1-4 Hyatt hotel if you spend $15,000 during your cardmember anniversary year. I had to spend $6,000 to reach the sign-up bonus the first year, so I went ahead and reached this hurdle to reach a total of 2 free Cat 1-4 nights + 50,000 points after the first year. I probably won’t go for it in future years, though.

Hyatt points expire after 24 months of inactivity, but earning points via this credit card counts as activity. Chase Ultimate Rewards points also convert to Hyatt points and the transfer counts as activity.

Ongoing rewards structure. I might book my Hyatt nights on this card, but the rest of the rewards aren’t terribly exciting to me.

  • 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member.
  • 2 points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.
  • 1 point per $1 spent on all other card purchasesoffer details reference link*

The free Discoverist status from this card gets you a free bottle of water daily, a free upgrade to premium WiFi internet, dedicated check-in area, and a 2pm late checkout upon request at participating locations. You are also eligible for a minor room upgrade within your type booked.

Bottom line. The Chase World of Hyatt card is the newer co-branded Hyatt credit card. As with most of these types of card, the best value is obtained by folks like like to stay at Hyatt properties. There is currently a 50,000 point sign-up bonus, an anniversary free night award, and a $95 annual fee. As long as you use the points up for free Hyatt hotel nights, the total net value of this card in the first year is easily over $500. For the two nights we booked at the Grand Hyatt Kauai, the cash cost would have been $1,400.

I will receive a commission for this card if you sign-up via my link. I have added this offer to my ongoing list of Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Datenfluss.info is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Chase Freedom Card Review: 5% Cash Back on Quarterly Categories + $150 Sign-Up Bonus

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

The Chase Freedom Card is a popular cash back rewards credit card. What makes it unique is the combination having no annual fee and the ability to get 5% Cash Back on up to $1,500 in combined purchases in bonus categories each quarter. Here are the highlights:

  • $150 cash bonus after $500 in purchases within your first 3 months.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
  • New 5% categories every 3 months like Gas Stations, Restaurants, and Select Grocery Stores
  • Unlimited 1% cash back on all other purchases.
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers. 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • Free credit score, updated weekly with Credit JourneySM
  • No annual fee.

Note the following text regarding the sign-up bonus eligibility:

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.

2019 5% Cash Back Category Calendar

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

  • Gas Stations
  • Select Streaming Services including Netflix, Hulu, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, and Spotify.

Activate each quarter at ChaseBonus.com, via your online account page, or call the number on the back of the card.  The categories usually include at least one big-spending area, and seem to go with the seasons (home improvement for spring, gas and travel for the summer). This is another “keeper” card for me, as I can keep it around and use it when the bonus categories fit my spending needs.

If you’d rather have “set it and forget it” rewards, compare with the Chase Freedom Unlimited Card, which offers a flat 1.5% cash back on everything (no special 5% categories) and no annual fee.

Synergy with Chase Sapphire Preferred and Chase Sapphire Reserve. 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.

This turns the 5% cash back categories into 5X Ultimate Rewards categories. That’s like earning 5 United miles per dollar spent, or 5 Hyatt points per dollar spent. With the Sapphire Reserve, 5X Ultimate Rewards = 7.5% back towards travel (flights, hotels) booked through the Chase travel portal.

Bottom line. The Chase Freedom Card is a unique cash back rewards card that lets you earn 5% cash back on select categories each quarter. It’s a little extra work to keep track of things, but it allows me to earn hundreds of dollars in extra cash each year without buying extra stuff I don’t need.

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Datenfluss.info is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Delta SkyMiles American Express Cards: New Limited-Time Offers Up to 80,000 Miles

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

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. Here are the latest such offers:

Gold Delta SkyMiles® Credit Card

  • Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in 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.

This is the standard offer, it can go much higher when there is a limited-time offer. 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.

BUSINESS Card Versions

Gold Delta SkyMiles® BUSINESS Credit Card from American Express

  • Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in 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.

Platinum Delta SkyMiles® BUSINESS Credit Card from American Express

  • Earn 35,000 Bonus Miles and 5,000 Medallion® Qualification Miles after you make $1,000 in purchases on your new Card within your first 3 months. In addition, earn a $100 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).
  • Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card.
  • Main Cabin 1 Priority Boarding.
  • $195 Annual Fee.

Delta Reserve for BUSINESS Credit Card

  • Earn 40,000 Bonus Miles and 10,000 Medallion® Qualification Miles after you spend $3,000 in purchases on your new Card in your first 3 months.
  • Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year.
  • 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.

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.

Also see: Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Datenfluss.info is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Capital One® Venture® Rewards Credit Card – 50,000 Miles Offer

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

(Updated May 2019: Capital One has added new transfer partners where you can turn their “miles” into real airline miles. The options are somewhat limited, but may be useful for topping off an account to reach an award. Details below.)

The Capital One® Venture® Rewards credit card is their premium travel rewards card with unlimited 2x miles per dollars on all purchases. Right now, there is also a 50,000 miles welcome offer after spending $3,000 on purchases within 3 months from account opening. Those 50,000 miles can be redeemed as a $500 credit towards any travel purchase made with the card (any airline, any hotel, no blackout dates). learnmore_green Here are the highlights:

The highlights:

  • Enjoy a one-time bonus of 50,000 miles (equal to $500 in travel) once you spend $3,000 on purchases within 3 months from account opening.
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture.
  • Up to $100 application fee credit for Global Entry or TSA PreCheck.
  • Named ‘The Best Travel Card’ by CNBC, 2018.
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs.
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn.
  • No foreign transaction fees.
  • $0 intro annual fee for the first year; $95 after that.

What does this all mean? Capital One “miles” can be redeemed directly for a cash statement credit on a 1 mile = $0.01 basis when offsetting any travel purchase made on the card. In other words, 50,000 miles = $500 toward travel. That means you can fly on any airline or stay at any hotel, pay with this card, and then offset that purchase using your miles balance later.

This means that earning 2 miles on on every $1 in purchases essentially makes this a 2% back card when applied towards travel.

New: Miles transfer options. Capital One now allows you to transfer your “miles” into select airline miles programs as well, on a 2:1.5 ratio (ex. 20,000 Capital One miles = 15,000 Air Canada Aeroplan miles) except where indicated. Here are the 15 transfer partners:

  • Aeromexico
  • Air Canada Aeroplan
  • Air France/KLM
  • Alitalia
  • Avianca
  • Cathay Pacific
  • Emirates (2:1)
  • Etihad
  • EVA
  • Finnair
  • Hainan
  • JetBlue TrueBlue (2:1)
  • Qantas
  • Qatar
  • Singapore Airlines Krisflyer (2:1)

The bolded ones are my favorite. I would use these to top off an account to reach a specific award level. If you know how to leverage one of these international airline miles programs, this can be a good option, but it’s still nice to have the worst-case scenario of effectively earning 2% back towards travel.

Bottom line. The combination of a 50,000 one-time bonus and the annual fee waiver for the first year makes this a good time to apply for the Capital One® Venture® Rewards credit card. You’ll also get 2X miles on your purchases, so after you spend your $3,000 within 3 months to get the bonus, you can redeem 50,000 + 6,000 = 56,000 miles for $560 toward travel on any airline or hotel. That could be a nice discount on your next vacation.

Due to the high first-year value, I have added this card to my list of Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Datenfluss.info is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Best 0% APR Balance Transfer Credit Cards – May 2019 (Up to 15 Months w/ No Balance Transfer Fee)

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

0aprIf you are paying interest on a credit card balance, your first concern should be paying down that debt. Ignore which card earns the most points or airline miles when you are paying crazy 15%+ interest! If you are ready to pay down that debt, consider transferring your balance to another issuer. Below are the best 0% APR balance transfer offers as of May 2019.

You’ll want the best combination of the longest 0% APR period and the lowest balance transfer fees. For example, if you are paying 20% APR, that’s like paying 1.66% on your balance every month. If you would like to spread out your payments, it may be better to pick a longer term with a modest balance transfer fee. Alternatively, if you are sure you can get it all paid off faster, go for a shorter offer with no balance transfer fee.

1) Amex EveryDay Card from American Express0% Introductory APR for 15 months on both purchases and balance transfers and no balance transfer fee for the first 60 days of opening the account. After the intro APR offer ends, a variable APR that’s currently 15.24% to 25.24% will apply. Plus, earn 15,000 Membership Rewards points after you use your new Card to make $1,000 in purchases in your first 3 months. No annual fee.

2) 0% Introductory APR for 15 billing cycles on both balance transfers and purchases and no balance transfer fee for the first 60 days your account is open. After the intro APR offer ends, a variable APR that’s currently 15.24% to 25.24% will apply. No annual fee.

Slate from Chase Card Art 3) Chase Slate Card0% Introductory APR for 15 months on both balance transfers and purchases and no balance transfer fee for the first 60 days of opening the account. After the intro APR offer ends, a variable APR that’s currently 17.24% to 25.99% will apply. No annual fee.

4) 0% Introductory APR for 12 months on balance transfers and no balance transfer fee on balances transferred during the first 90 days after account opening. After the intro APR offer ends, a variable APR that’s currently 12.24% to 18.00% will apply. There is also a sign-up bonus, but note that there is not an intro 0% APR offer on purchases. You must be an First Tech Federal Credit Union member to obtain this card, but membership is open to everyone who joins a partner organization for as little as $8. No annual fee.

5) 0% Introductory APR for 12 months on balance transfers and no balance transfer fee on balances transferred within the first 30 days after account opening. After the intro APR offer ends, a variable APR that’s currently 8.24% and 18.00% will apply. Membership to Navy Federal Credit Union is limited those with a military relationship, but anyone who is the immediate relative of an active military member or veteran can join. No annual fee.

6) Wells Fargo Platinum Visa® Card – 0% intro APR for 18 months on both purchases and balance transfers along with a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Balance transfers made within 120 days qualify for the intro rate and fee. This is an example of an offer with a fee, but you get a longer 18 months to pay it off and a bigger 120-day window to transfer all your external balances to this card. This card also has a unique cell phone protection feature – get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. No annual fee.

Updated May 2019

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Datenfluss.info is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Capital One Savor Cash Rewards Credit Card Review – $300 Bonus + 4% Back at Restaurants

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

Does dining out and take-out describe your daily ritual? Capital One has refocused their Capital One Savor Cash Rewards Credit Card with a sign-up bonus, waived first year annual fee, and 4% cash back at restaurants. Here are the highlights:

  • $300 cash bonus after $3,000 in purchases within the first 3 months.
  • 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.
  • No foreign transaction fees.
  • No annual fee for the first year, $95 after that
  • Capital One cardholders get access to premium experiences in dining, entertainment and more.

Capital One says that existing Savor cardholders will be upgraded to the 4% back on dining and other features of the Savor, but will have their annual fee waived indefinitely. No sign-up bonus, though!

Purchase rewards details. Notable about this card is the 4% back on dining and entertainment. 4% is higher than most other rewards cards that offer some sort of boost on restaurant purchases, such as the Costco Anywhere Visa (my review) with 3% on restaurants (amongst other rewards categories), however it does charge an annual fee. Often one of the rotating 5% cash back cards has restaurants as a category.

If you already have one of those cards above, you’d have to spend decent chunk on dining out to justify paying that $95 annual fee after the first year. That $500 first-year bonus will buy a lot of grub, though! Of course, if you do dine out often, you might actually take advantage of their free Concierge service to help you get reservations at high-demand spots.

In case you were curious, the application page provides some direct clarifications on the rewards structure.

What counts as dining?
Purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries.

What counts as entertainment?
Buying tickets to a movie, play, concert, sporting event, tourist attraction, theme park, aquarium, zoo, dance club, pool hall or bowling alley. Also, making purchases at record store and video rental locations. This excludes non-industry entertainment merchant codes like cable, digital streaming, and subscription services.

What counts as a grocery store?
A supermarket, meat locker, freezer, dairy product store and specialty market. Excludes superstores like Walmart® and Target®.

Statement credits. The rewards on this card are nice and simple. You earn cash, which can be redeemed as a statement credit or a mailed check. There are other options, but none are especially interesting or more valuable than cash.

Credit approval details. This card says it requires “Excellent credit”. Capital One is known to limit you to two consumer Capital One credit cards per person. They are also a bit unusual in that they pull your credit reports from all three major bureaus, instead of just one.

Bottom line. The Capital One Savor Cash Rewards Credit Card has a $300 sign-up bonus, waived first year annual fee, and 4% cash back on dining and entertainment. Note the $3,000 of total spending required within 3 months – maybe it’s your turn to put group dinner on your card and have everyone else pay you back to take advantage of that 4% back.

Also see: Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Datenfluss.info is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Chase United Explorer Card Review – 40,000 Bonus Miles

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

The United Explorer Card is a co-branded Chase credit card that offers unique perks on United Airlines including free checked bags and expanded economy seat availability when redeeming miles for award flights. Right now, the $95 annual fee is waived during the first year. Here are the highlights:

  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 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. A key feature for miles hoarders is the special expanded award seat inventory for credit card holders to make it easier to actually redeem those miles for economy saver flights.

Also see: Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Datenfluss.info is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Blue Cash Preferred from American Express Review: 6% Cash Back on Groceries ($6,000/Year), Netflix, HBO Now, Spotify

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Thank you for your support.

New added features, bigger welcome offer. The Blue Cash Preferred® Card from American Express has been updated with a bigger welcome offer and new 6% and 3% cash back categories. Thankfully, their best feature remains: 6% cash back at US stand-alone supermarkets on up to $6,000 per year in purchases. If you spend $65 a week at supermarkets, that alone will earn you over $200 a year in rewards. Here are the updated highlights:

  • $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 3% Cash Back at U.S. gas stations.
  • 6% Cash Back on select U.S. streaming subscriptions. (NEW)
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. (NEW)
  • 1% Cash Back on other purchases.
  • $95 annual fee.

Basically, AmEx is trying to be trendy and cover things like Netflix, HBO Now, Spotify, and Uber/Lyft. Note that they are removing removing the ability to earn 3% cash back at U.S. department stores benefit on 7/31/2019. This works out well for my spending patterns.

Max out your benefit by buying gift cards at US supermarkets. Every December, I use this card to buy gift cards at a standalone grocery to use up the annual limit and get 6% back. My local Safeway has an entire wall of options, but I usually go with Amazon, Apple iTunes, or Starbucks. You can easily track how much you’ve spent on groceries on your online account. Just go to “Statements & Activity” > Chart logo (Graph and Filter your Transactions), and then click on “Merchandise and Supplies”. Adjust dates as necessary. Screenshot:

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Supermarkets details. “US stand-alone supermarkets” means that superstores, convenience stores and warehouse clubs are not considered supermarkets. This means no Super Wal-Mart, no Super Target, no Costco. Examples of merchants that count (and this is not a complete list!) are Safeway, Whole Foods, Meijer, Vons, Winn-Dixie, Gristedes, Shoprite, Stop and Shop, and online supermarkets such as FreshDirect.

Gasoline details. “US stand-alone gas stations” means that superstores, supermarkets, and warehouse clubs that sell gasoline are not considered gas stations. This means no Target, no Costco, no Sam’s Club. Examples of merchants that count (and this is not a complete list!) are Exxon, Mobil, Hess, Shell, Gulf, Murphy USA, Murphy Express.

US Streaming Subscriptions details. These are all included:

• Amazon Music
• Apple Music
• Audible
• CBS All Access
• Direct TV Now
• ESPN+
• Fubo TV
• HBO Now
• Hulu
• iHeartRadio
• Kindle Unlimited
• MLB.TV
• NBA League Pass
• Netflix
• NHL.TV
• Pandora
• Prime Video Unlimited
• Showtime
• Sling TV
• SiriusXM Streaming and Satellite
• Spotify
• YouTube Music Premium
• YouTube Premium
• YouTube TV

Annual fee. There is a $95 annual fee, so you’ll want to utilize that 6% cash back on groceries to maximize your value. If you spend the max cap of $500 a month at supermarkets, at 6% back that would net you $360 cash back in a year vs. $60 at 1% cash back. Note that simply spending $31 per week at supermarkets at 6% cash back will result in over $95 Reward Dollars per year to cover the annual fee.

If you don’t like the idea of paying an annual fee, the Blue Cash Everyday Card from American Express offers 3% at U.S. supermarkets on up to $6,000 per year in purchases with no annual fee. It currently offers a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. You can also learn more about this card and apply online at CardRatings.com.

Cash back is officially given in the form of Reward Dollars that can be redeemed as a statement credit, gift cards, and merchandise. I always just stick with statements credit to directly pay down my monthly bill.

Bottom line. The Blue Cash Preferred Card from American Express has the key feature of 6% cash back at US supermarkets (on up to $6,000 per year). You can now also get 6% cash back on Netflix/Spotify/HBO Now as well as 3% cash back at US gas stations and transit (Uber/Lyft/train). New cardmembers can get a $250 statement credit after $1,000 in purchases within 3 months.

This has been a “keeper” card for me for many years now. I treat it like one of my 5% cash back cards, except there are no rotating categories or activations to worry about. Supermarket purchases (and gift cards) go on this card all year long. Then in December, I use up the rest of the $6,000 annual spending limit on gift cards for holiday presents. With the new features, I’ll also add it as default payment for any streaming apps and Uber/Lyft.

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. Datenfluss.info is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

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