Employee or Student Discounts for AT&T, Verizon, Sprint, and T-Mobile

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celldiscount

Updated 2019. Each of the four major cell phone providers offer discounts for certain large groups, even applied to an existing personal line. You could qualify through your employer, educational institution, or even affiliation with certain organizations like AAA or credit unions. Many also have discounts for military and/or first responders. So grab your work or school-affiliated e-mails, check out these links, and find out what discounts are available to you.

You may still find a better deal with a lesser-known prepaid or MVNO plan (especially if you don’t need data), but sometimes a major carrier with a discount can be very competitive.

AT&T Wireless. AT&T Signature Program

It’s easy to find out if you’re eligible for savings for your qualified AT&T wireless service through your employer, school, or other association. Just enter and submit your work or school email address and we’ll show you whether you qualify for applicable discounts and benefits on wireless services, devices and more.

Don’t have a work or school email? If you don’t have a work or school email, bring your student or employee ID to an AT&T store to find out if you’re eligible for the AT&T Signature Program.

Verizon Wireless. Employee Discount Program

We offer great monthly discounts for corporate, government and education employees, as well as valued service members and veterans. If your organization has an agreement with us, you may be eligible. Sign in below to register for a new discount or renew an existing discount.

T-Mobile. In 2014, T-Mobile changed their corporate discount program for consumer lines. Existing corporate discounts were mostly left grandfathered in. The T-Mobile Advantage Program now gives a $25 gift card per device instead. If you have a work phone directly paid for by your employer, you may qualify for Business Family Discounts. Keep in mind that T-Mobile also has special discounted plans for the military and those age 55+. The ability to stack discounts varies.

The T-Mobile Advantage™ Program lets you receive additional benefits or rewards based on your affiliation with your military branch of service, company, organization, or government agency. Check your organization’s eligibility.

If you have a company-provided business line with T-Mobile, you can now add your family to your account and save up to 50% off the first two lines on a family plan. Already have your family on a Simple Choice plan or T-Mobile ONE? You can get in on the BFD too!

Sprint. Sprint Works Program.

The Sprint Works? Program extends exclusive savings and special offers to employees, students and members of organizations. Please complete the form to see if you qualify.

LoveMyCreditUnion.org also offers credit union members Sprint monthly plan discounts and waived activation and upgrade fees. I’m not sure how these would stack with the Sprint Unlimited Kickstart $25/month plan.

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.

Museum Day: Free Tickets Nationwide On Saturday, September 21, 2019

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Now live for 2019. Museum Day is an annual event hosted by Smithsonian magazine in which participating museums across the country open their doors to anyone presenting a Museum Day Ticket for free. This is in following the spirit of Smithsonian Museums, which offer free admission every day.

Registration is now open for Saturday, September 21, 2019. Find participating museums and request your ticket here. One ticket per valid email address. Each ticket provides general admission for ticketholder one guest. You must pick the specific museum during the ticket request process. Some museums will require you to print out the PDF ticket.

There are some cool museums around us that now cost $25 for adults and $10 for children, so this can be a significant savings depending on the size of your family.

Don’t forget to add the event to your calendar! I’ve probably forgotten about this half the times that I’ve registered.

Also see: Bank of America’s Museums on Us Program 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.

Top 10 Best Small Business Credit Card Bonus Offers – August 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. Thank you for your support.

Updated August 2019. 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). Recent changes:

  • Business United – limited-time 100k offer.
  • Business Delta – offers ended.
  • Business Southwest Performance – new card w/ 80k offer.
  • Business Hawaiian – improved 75k 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 flexible 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.

Southwest Rapid Rewards Performance Business Card

  • 80,000 Rapid Rewards points (redeemable for $1,200+ in Wanna Getaway airfare) after $5,000 in purchases in the first 3 months. See link for details.
  • Combine with the Southwest Rapid Rewards Premier Consumer Card and go for the Southwest Companion Pass.
  • $195 annual fee + 9,000 bonus points after each Cardmember anniversary.
  • Subject to 5/24 rule.

United Explorer Business Card

  • Up to 100,000 United miles: 50,000 after $5,000 in purchases in the first 3 months + another 50,000 after $25,000 total in purchases in 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).
  • 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.

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.

Gold Delta SkyMiles Business Credit Card from American Express

  • 70,000 Delta Skymiles after $4,000 in purchases within the first 3 months + $50 statement credit after a Delta purchase within your first 3 months. Offer expires 7/2/19. See link for details.
  • 70,000 Skymiles are worth at least $700 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.
  • Honorable mention: 80k offer on the Platinum Delta SkyMiles Business.

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.
  • Combine with the Southwest Rapid Rewards Premier Consumer Card and go for the Southwest Companion Pass.
  • $99 annual fee.
  • Subject to 5/24 rule.

American Express Plum Card

  • $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.

Hawaiian Airlines Business Mastercard (Barclaycard)

  • Up to 70,000 Hawaiian miles. Earn 60,000 miles after $1,000 in purchases in the first 90 days, and an additional 10,000 miles after a purchase is made on an employee card. 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.

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.

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.

Marriott Bonvoy Business American Express Card

  • 75,000 bonus points after $3,000 in purchases in the first 3 months. 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.

Wells Fargo Business Platinum Card

  • $500 cash back bonus after $3,000 in purchases in the first 3 months. See link for details.
  • Earn 1.5% cash back on every $1 spent, OR earn 1 point on every $1 spent + 1,000 bonus points when company spend is $1,000+ in any monthly billing period.
  • No annual fee.

Alaska Airlines Visa Business Card (Bank of America)

  • 40,000 Alaska miles + 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 $99 taxes and fees” ($99 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 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.

Top 10 Best Credit Card Bonus Offers – August 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. Thank you for your support.

Updated August 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 personally apply for right now, if I didn’t already have most of them. Notable changes:

  • IHG – limited-time 125k offer.
  • Delta – offer ended.
  • Hawaiian – 60k offer ending soon.
  • Amtrak – improved offer.
  • Hilton Surpass – limited-time offer.
  • Barclays AA card – improved 60k offer.

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.

IHG Rewards Club Premier Card

  • 125,000 IHG Rewards club points after $3,000 in purchases within the first 3 months. 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.

Hawaiian Airlines World Elite MasterCard

  • 60,000 bonus miles after $2,000 in purchases within 3 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.
  • $0 annual fee for the first year, then $99.

BofA Amtrak Guest Rewards Card

  • 40,000 bonus points and $100 statement credit after $2,500 in purchases within the first 90 days. See link for details.
  • 40,000 Amtrak points can be redeemed for over $1,000 in Amtrak train fare.
  • Complimentary Companion Coupon, One-Class Upgrade and a Single-Visit Station Lounge Pass at account opening.
  • $79 annual fee.

Hilton Honors American Express Surpass Card

  • 130,000 Hilton Honors points + free weekend night certificate after $4,000 in purchases in the first 3 months. See link for details and rough valuation of points.
  • Additional free Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • Free Honors Gold status (free breakfast, room upgrades based on availability, 5th standard reward night free).
  • $95 annual fee.

Citi / AAdvantage Platinum Mastercard

  • 60,000 American Airlines miles after $3,000 in purchases in the first 3 months. 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.

Barclays AAdvantage Aviator Red World Elite Mastercard

  • 60,000 American Airlines miles after any purchase in the first 90 days and paying the $99 annual fee. See link for details.
  • $99 Companion certificate offer. Earn a certificate good for 1 guest at $99 ( taxes and fees) after making your first purchase and paying the $99 annual fee in the first 90 days.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $99 annual fee.

Citi Premier Card

  • 60,000 points (worth $750 towards travel booked at ThankYou.com) after $4,000 in purchases in the first 3 months. See link for details.
  • 3X points for every $1 spent on travel including gas stations.
  • Must not have gotten bonus from or closed a Citi Rewards+, ThankYou Preferred, Premier, or Prestige card in the past 24 months.
  • $95 annual fee.

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 Venture Rewards Card

  • 50,000 miles (worth $500 towards travel) after $3,000 in purchases within the first 3 months. See link for details.
  • 2% cash back on ALL purchases. Plus earn 10X miles at Hotels.com through January 2020.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $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 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 360 Money Market – $500 Cash Bonus on $50,000 Deposit

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.

Capital One is running a $500 cash bonus promotion for new 360 Money Market accountholders. Note that if you have or had an open savings product (excludes CDs) with Capital One on or after January 1, 2016, you’re ineligible for the bonus. Here are the details:

  • Open a new 360 Money Market account by 8/31/19 using promo code CASH500.
  • Deposit $50,000 or more into the account with new money from an external bank within 10 days and maintain it for the next 90 days.
  • Capital One will deposit the bonus into your account within 60 days following the 90-day period. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus.
  • You’ll also earn their current interest rate of 2.00% APY on $10,000+ balances. No monthly fees or minimum balance requirements.

(Tip via reader Bill: The 90-day “maintain balance” period is AFTER the end of the 10-day “initial funding period”. So if you are counting from the opening day, that is a total of *100* days. You may wish to chat with Capital One to confirm the exact date.)

In terms of APY, you are getting 1% of your $50,000 deposit with a minimum holding period of 90 days. (If you deposit your money near the 10th day, then the minimum time you would have to keep your money there is still technically 90 days, but you’ll probably go over by a few days.) This works out to the equivalent of a 4% annualized yield. 2% + 4% = 6%, so you’re looking at the equivalent of a 3-month CD at 6% APY for a new money deposit of exactly $50,000. In terms of cash, your $50,000 would earn about $250 interest + $500 bonus = $750 total over 90 days.

As there is ongoing no minimum balance requirement, you can move out your money after you’ve safely cleared this 90-day holding period. Just make sure to keep your account open, perhaps with at least $10 in there to make sure they don’t close it on you. If you were lazy and left it in there for a year, that $50,000 would earn about $1,000 interest + $500 bonus = $1,500 total, or roughly 3% APY.

Bottom line. Capital One 360 Bank has a new promotion to attract new deposits – a $500 cash bonus (1%) on a $50,000 deposit for 90 to 100 days, on top of their usual interest rate (currently 2% APY). The primary drawback is that you must deposit a minimum of $50,000. If you have or had an open savings product (excludes CDs) with Capital One on or after January 1, 2016, you’re ineligible for the 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. 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 IHG Rewards Club Premier Card Review: 125,000 Bonus Points Limited-Time 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 with 125k limited-time offer. The Chase IHG Rewards Club Premier credit card is the IHG hotel co-branded card that includes special IHG perks like a free night award every year you keep the card. Right now, there is a limited-time 125,000 IHG point bonus offer + increased purchase rewards for the first year. Here are the highlights:

  • 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening.
  • Free Night award after each account anniversary year at eligible IHG hotels worldwide. Valid at IHG Hotels with a current point redemption level of 40,000 points or less. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights.
  • Earn 40 points total per $1 spent when you stay at an IHG hotel for the first 12 months – after that, 25X points.
  • Earn 4X points on all other purchases for the first 12 months – after that, 2X points at gas stations, grocery stores, and restaurants and 1 point per $1 on all other purchases.
  • Platinum Elite status as long as you remain a Premier card member.
  • Global Entry or TSA PreCheck® fee credit of up to $100 every 4 years as reimbursement for the application fee charged to your card.
  • No foreign transaction fees.
  • $89 annual fee.

This is a relatively new card, but please note the following:

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.

This offer is for the new “IHG Club Premier” card, so this language means that if you have the older and different “IHG Club Select” card, you can still apply for this card and get the sign-up bonus.

What can you get with IHG points? The best redemption value for IHG points is for free hotel nights. The other options offer significantly less value. While the points don’t translate directly to a dollar value, but overall you should expect around 0.60 cents of value per point, which would make 125,000 IHG points worth an estimated $750 value. You can perform the calculations for hotels that fit your needs. I tried a bunch of other various combinations and got between 0.5 cents and 0.8 cents per point equivalent value.

(IHG points are worth less than other points like Hyatt or Chase Ultimate Rewards points, but you get a lot more of them with this bonus!)

IHG stands for Intercontinental Hotel Group which has over 5,000 hotels including the following brands:

  • Intercontinental Hotels & Resorts
  • Crowne Plaza
  • Kimpton
  • Holiday Inn, Holiday Inn Express
  • Staybridge Suites
  • Candlewood Suites
  • Hotel Indigo
  • EVEN Hotels

IHG Rewards Club puts out a new list of PointBreaks hotels every few months where you can redeem a hotel night for only 5,000 to 15,00 points. There are some nice hotels on the list, but the locations are very specific and few people are sufficiently flexible with their travel to constantly take advantage of these deals. However, you could get value of over 1 cent per IHG point with a hotel on this list.

IHG points expire after 24 months of inactivity, so if you keep up your activity then you can save up these free nights for later. Chase Ultimate Rewards points also convert to IHG points.

Total of 40x points per $1 spent when you stay at IHG during the first 12 months. This is part of the new sign-up promotion as well. Here’s how this breaks down: Earn 25X points per $1 spent as an IHG® Rewards Club Premier Credit Cardmember + 10X points per $1 spent from IHG® for being an IHG® Rewards Club Member + 5X points per $1 spent from IHG® with Platinum Elite Status, a benefit of this card = total of 40X points total at 5,400+ IHG® hotels & resorts during the first 12 months on this card.

Total of 25x points per $1 spent when you stay at IHG. Here’s how this breaks down: Earn 10X points per $1 spent as an IHG® Rewards Club Premier Credit Cardmember + 10X points per $1 spent from IHG® for being an IHG® Rewards Club Member + 5X points per $1 spent from IHG® with Platinum Elite Status, a benefit of this card = total of 25X points total at 5,400+ IHG® hotels & resorts.

The 4X points on all other purchases for the first 12 months is intriguing. If you use the valuation of $0.60 per IHG points, that would mean you are earning an estimated 2.4 cents per $1 spent (2.4% value back towards IHG hotel stays). There is limited flexibility as you only earn IHG points, but this might be a good value for some folks.

After the first year, I would book my IHG nights on this card, but not my everyday purchases on an ongoing basis.

  • 10 IHG points total per $1 spent at IHG properties.
  • 2 IHG points per $1 spent at gas stations, grocery stores, and restaurants.
  • 1 IHG point per $1 spent on all other card purchases

I would consider keeping this card if you can use the anniversary night certificate with the 40,000 point maximum value. You should be able to get $89 value out of it as long as you need a hotel night. Stay must be completed within 12 months from date of issue.

Bottom line. The Chase IHG Rewards Club Premier credit card has a current sign-up bonus boost of 125,000 total IHG points (previously only 80k) + increased purchase rewards during the first 12 months. As with most of these co-branded cards, the best value is obtained if you can redeem for IHG hotel nights.

The total first-year value is well over $500, so I will 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 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.

United Explorer Business Card Review – 100,000 Bonus Miles Limited-Time 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 with 100k limited-time offer. The United Explorer Business Card is the co-branded business credit card between Chase and United Airlines, and it offers unique perks for regular United customers including free checked bags and expanded award seat availability for redeeming miles. Right now, there is also a limited-time offer of up to 100,000 bonus United miles for high spenders:

  • 50,000 bonus United miles after spending $5,000 within the first 3 months.
  • Additional 50,000 bonus United miles after spending $25,000 total within 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.
  • 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. Right now, there is a 100,000 mile limited-time offer.

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

Refinance Watch: Mortgage Rates May Drop Even Further

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.

If you have a mortgage rate above 4%, you should keep an eye on mortgage rates during August to see if there is an opportunity to refinance and save money. (Potential buyers should obviously also take notice, but they were probably paying attention already.) In November 2018, the average 30-year mortgage rate was nearly 5%. In July, the average 30-year mortgage rate was only 3.75%. There are a LOT of outstanding mortgages that become good opportunities for a refinance with even small drops from here. See this chart via @lenkeifer:

Today, the 10-year Treasury bond yield went down to 1.74%, the lowest value since November 2016. According to CNBC, the rate drop at this longer maturity was a result of both the recent Fed rate cut and trade war concerns.

Why is this important? The 10-year rate and 30-year fixed mortgage rates tend to move together. The average 30-year mortgage in mid-2016 was closer to 3.5% (chart source).

Even before this most recent rate drop, mortgage originations had already spiked, per the WSJ). A swing from 5% back down to 3.5% will create even more.

Bottom line. If you got a 30-year mortgage between late 2016 and mid-2019, there is a good chance that you may be able to lower your mortgage rate via a refinance. Get an accurate full quote with all the costs involved with a online comparison site like LendingTree (tip: don’t enter a phone number if you don’t want them to call you) or go local and call up your neighborhood broker. You might also try an “instant quote” below that doesn’t require any personal information. If you can save money, lock in the rate as they can pop back up quickly.

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 Interest Rates on Cash – August 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. Thank you for your support.

Here’s my monthly roundup of the best interest rates on cash for August 2019, roughly sorted from shortest to longest maturities. The target for the Fed Funds Rate was just cut by 0.25% as of 8/1/19, so look out for small rate drops this month (probably right after I publish this post). Check out my Ultimate Rate-Chaser Calculator to get an idea of how much extra interest you’d earn if you are moving money between accounts. Rates listed are available to everyone nationwide. Rates checked as of 8/4/19.

High-yield savings accounts
While the huge megabanks like to get away with 0.01% APY, it’s easy to open a new “piggy-back” savings account and simply move some funds over from your existing checking account. The interest rates on savings accounts can drop at any time, so I prioritize banks with a history of competitive rates. Some banks will bait you and then lower the rates in the hopes that you are too lazy to leave.

  • Popular Direct is at 2.55% APY with $5,000 minimum. I don’t like this bank because they always create a “new” account instead of giving old customers the higher rate automatically, but it’s the top rate. Betterment Everyday Savings just dropped to 2.44% APY with a no minimum balance requirement ($10 min to open). There are several other established high-yield savings accounts at 2% APY and up, although some have had small drops recently too.

Short-term guaranteed rates (1 year and under)
A common question is what to do with a big pile of cash that you’re waiting to deploy shortly (just sold your house, just sold your business, legal settlement, inheritance). My usual advice is to keep things simple and take your time. If not a savings account, then put it in a flexible short-term CD under the FDIC limits until you have a plan.

  • No Penalty CDs offer a fixed interest rate that can never go down, but you can still take out your money (once) without any fees if you want to use it elsewhere. Marcus Bank has a 13-month No Penalty CD at 2.35% APY with a $500 minimum deposit. Ally Bank has a 11-month No Penalty CD at 2.30% APY with a $25,000 minimum deposit. You may wish to open multiple CDs in smaller increments for more flexibility.
  • Quontic Bank has a 12-month CD at 2.70% APY and $1,000 minimum with an early withdrawal penalty of 12 months (!) of interest. Andrews Federal Credit Union has a 8-month special at 2.86% APY and $1,000 minimum – anyone can join via partner organization for a small fee.

Money market mutual funds + Ultra-short bond ETFs
If you like to keep cash in a brokerage account, beware that many brokers pay out very little interest on their default cash sweep funds (and keep the difference for themselves). The following money market and ultra-short bond funds are not FDIC-insured, but may be a good option if you have idle cash and cheap/free commissions.

  • Vanguard Prime Money Market Fund currently pays an 2.24% SEC yield. The default sweep option is the Vanguard Federal Money Market Fund, which has an SEC yield of 2.21%. You can manually move the money over to Prime if you meet the $3,000 minimum investment.
  • Vanguard Ultra-Short-Term Bond Fund currently pays 2.40% SEC yield ($3,000 min) and 2.50% SEC Yield ($50,000 min). The average duration is ~1 year, so there is more interest rate risk.
  • The PIMCO Enhanced Short Maturity Active Bond ETF (MINT) has a 2.52% SEC yield and the iShares Short Maturity Bond ETF (NEAR) has a 2.53% SEC yield while holding a portfolio of investment-grade bonds with an average duration of ~6 months.

Treasury Bills and Ultra-short Treasury ETFs
Another option is to buy individual Treasury bills which come in a variety of maturities from 4-weeks to 52-weeks. You can also invest in ETFs that hold a rotating basket of short-term Treasury Bills for you, while charging a small management fee for doing so. T-bill interest is exempt from state and local income taxes.

  • You can build your own T-Bill ladder at TreasuryDirect.gov or via a brokerage account with a bond desk like Vanguard and Fidelity. Here are the current Treasury Bill rates. As of 8/1/19, a 4-week T-Bill had the equivalent of 2.11% annualized interest and a 52-week T-Bill had the equivalent of 1.89% annualized interest (!).
  • The Goldman Sachs Access Treasury 0-1 Year ETF (GBIL) has a 2.27% SEC yield and the SPDR Bloomberg Barclays 1-3 Month T-Bill ETF (BIL) has a 2.04% SEC yield. GBIL appears to have a slightly longer average maturity than BIL.

US Savings Bonds
Series I Savings Bonds offer rates that are linked to inflation and backed by the US government. You must hold them for at least a year. There are annual purchase limits. If you redeem them within 5 years there is a penalty of the last 3 months of interest.

  • “I Bonds” bought between May 2019 and October 2019 will earn a 1.90% rate for the first six months. The rate of the subsequent 6-month period will be based on inflation again. More info here.
  • In mid-October 2019, the CPI will be announced and you will have a short period where you will have a very close estimate of the rate for the next 12 months. I will have another post up at that time.

Prepaid Cards with Attached Savings Accounts
A small subset of prepaid debit cards have an “attached” FDIC-insured savings account with exceptionally high interest rates. The negatives are that balances are capped, and there are many fees that you must be careful to avoid (lest they eat up your interest). Some folks don’t mind the extra work and attention required, while others do. There is a long list of previous offers that have already disappeared with little notice. I don’t personally recommend nor use any of these anymore.

  • The only notable card left in this category is Mango Money at 6% APY on up to $2,500, but there are many hoops to jump through. Requirements include $1,500+ in “signature” purchases and a minimum balance of $25.00 at the end of the month.

Rewards checking accounts
These unique checking accounts pay above-average interest rates, but with unique risks. You have to jump through certain hoops, and if you make a mistake you won’t earn any interest for that month. Some folks don’t mind the extra work and attention required, while others do. Rates can also drop to near-zero quickly, leaving a “bait-and-switch” feeling. I don’t use any of these anymore, either.

  • The best one right now is Orion FCU Premium Checking at 4.00% APY on balances up to $30,000 if you meet make $500+ in direct deposits and 8 debit card “signature” purchases each month. The APY goes down to 0.05% APY and they charge you a $5 monthly fee if you miss out on the requirements. There is also the TAB Bank 4% APY Checking, which I don’t like due its vague terms. Find a locally-restricted rewards checking account at DepositAccounts.
  • If you’re looking for a high-interest checking account without debit card transaction requirements then the rate won’t be as high, but take a look at MemoryBank at 1.60% APY.

Certificates of deposit (greater than 1 year)
CDs offer higher rates, but come with an early withdrawal penalty. By finding a bank CD with a reasonable early withdrawal penalty, you can enjoy higher rates but maintain access in a true emergency. Some CDs offer an “add-on” features that gives you the option of adding funds if rates drop. Alternatively, consider building a CD ladder of different maturity lengths (ex. 1/2/3/4/5-years) such that you have access to part of the ladder each year, but your blended interest rate is higher than a savings account. When one CD matures, use that money to buy another 5-year CD to keep the ladder going.

  • You could build a CD ladder at First National Bank of America at 2.90% APY for 5-year, 2.80% APY for 4-year, 2.75% APY for 3-year, 2.70% APY for 2-year, and 2.60% APY for 1-year.
  • 5-year CD rates have been dropping at many banks and credit unions, following the overall interest rate curve. A good rate is now about 3.00% APY, with Hiway Federal Credit Union offering 3.20% APY ($25,000 min) or 3.00% APY ($500 min) on a 5-year CD with an early withdrawal penalty of 12 months of interest. Anyone can join this credit union via partner organization Minnesota Recreation and Park Foundation ($10 fee).
  • Navy Federal Credit Union has a special 5-year CD at 3.50% APY ($1,000), but you must have a military affiliation to join (includes being a relative of a veteran). NavyFed also has an 18-month CD at 3.00% APY.
  • GTE Financial Credit Union has a promotional add-on CD that allows unlimited additional funds after CD opening. You can open a 5-year CD with $500 minimum at 3.04% APY.
  • You can buy certificates of deposit via the bond desks of Vanguard and Fidelity. You may need an account to see the rates. These “brokered CDs” offer FDIC insurance and easy laddering, but they don’t come with predictable fixed early withdrawal penalties. Nothing special right now. As of this writing, Vanguard is showing a 2-year non-callable CD at 2.10% APY and a 5-year non-callable CD at 2.25% APY. Watch out for higher rates from callable CDs listed by Fidelity.

Longer-term Instruments
I’d use these with caution due to increased interest rate risk, but I still track them to see the rest of the current yield curve.

  • Willing to lock up your money for 10+ years? You can buy long-term certificates of deposit via the bond desks of Vanguard and Fidelity. These “brokered CDs” offer FDIC insurance, but they don’t come with predictable fixed early withdrawal penalties. As of this writing, I am seeing no inventory on 7-year and 10-year CDs. Watch out for higher rates from callable CDs from Fidelity. Matching the overall yield curve, current CD rates do not rise much higher as you extend beyond a 5-year maturity.
  • How about two decades? Series EE Savings Bonds are not indexed to inflation, but they have a unique guarantee that the value will double in value in 20 years, which equals a guaranteed return of 3.5% a year. However, if you don’t hold for that long, you’ll be stuck with the normal rate which is quite low (currently a sad 0.10% rate). I view this as a huge early withdrawal penalty. However, you could also view it as a hedge against deflation, but only if you can hold on for 20 years. As of 8/1/19, the 20-year Treasury Bond rate was 2.21%.

All rates were checked as of 8/4/19.



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

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. 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. Right now, it is not a limited-time offer. Here are the current offers:

Gold Delta SkyMiles® Credit Card

  • 30,000 bonus Delta miles after $1,000 in purchases in the first 3 months and a $50 statement credit after you make a Delta purchase on the new card within 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.

Platinum Delta SkyMiles® Credit Card

  • 35,000 bonus Delta miles and 5,000 MQMs after $1,000 in purchases in the first 3 months and a $100 statement credit after you make a Delta purchase on the new card within 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.

BUSINESS Card Versions

Gold Delta SkyMiles® BUSINESS Credit Card from American Express

  • 30,000 bonus Delta miles after $1,000 in purchases in the first 3 months and a $50 statement credit after you make a Delta purchase on the new card within 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

  • 35,000 bonus Delta miles and 5,000 MQMs after $1,000 in purchases in the first 3 months and a $100 statement credit after you make a Delta purchase on the new card within 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

  • 40,000 bonus Delta miles and 10,000 Medallion® Qualification Miles after $3,000 in purchases in the first 3 months.
  • 15,000 MQMs and 15,000 bonus Delta 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.

Betterment Everyday Savings and Checking Review: 2.44% APY (Tied to Fed Funds Rate)

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. Betterment, best known for their automated portfolio management software, has added a high-yield savings product called Betterment Everyday Savings. An additional checking product is “coming soon”. This product has several unique features that makes it unlike many other savings accounts. Here are the highlights, followed by both the important pros and cons of this account.

Betterment Everyday Savings (Available Now)

  • Promotional rate of 2.44% APY (EFFR + 0.25%) if you sign up for the Everyday Checking waitlist (free)
  • Base rate of Effective Federal Funds Rate (EFFR)
  • FDIC insurance up to $1,000,000
  • No minimum balance. Minimum opening deposit is $10.
  • No monthly fees

If you are an existing Betterment client with Smart Saver, that is going away. You can move over immediately or wait to be transitioned over to this product.

Betterment Everyday Checking (Coming “Later This Year”)

  • No interest paid
  • No minimum balance
  • No monthly or maintenance fees.
  • No overdraft fees.
  • ATM fees reimbursed worldwide
  • FDIC insurance covering up to $250,000†

$1,000,000 FDIC insurance through partner banks. They can offer up to $1,000,000 in FDIC coverage because they use multiple partner banks, currently including:

  • Barclays Bank Delaware
  • Citibank, N.A.
  • Georgia Banking Company
  • Seaside National Bank & Trust
  • Valley National Bank
  • BankUnited, National Association
  • ConnectOne Bank
  • East West Bank
  • Third Coast Bank SSB

You can manually opt-out of one of these banks, for example if you already have cash with them, as to not exceed the $250,000 FDIC insurance limits at any single bank.

Interest rate is directly linked to the Effective Fed Funds Rate. The rate on Everyday Savings is variable, and will move with the effective federal funds rate (EFFR). As long as you are on the Everyday Checking waitlist, you will get the EFFR + 0.25%. As of 8/4/19, that works out to an APY of 2.44%. Your rate may move around quite frequently. Before the Fed Rate cut, it was 2.69% APY.

I view this as a good thing overall, as it’s guaranteed to be quite competitive against most non-promotional rates. It also provides more transparency and lowers the chance of a bait-and-switch to some really sad rate. However, the 0.25% boost above the EFFR is currently a waiver of their 0.25% management fee good through 2019. Being on the waitlist is free and comes with no obligation to open the account, so that’s not a big deal. However, it’s not clear if or how they will extend the waiver after that. You might need an active and open Everyday Checking account, set up direct deposit, or jump through a similar hoop.

Everyday Savings isn’t your normal bank savings account. There are some quirky things about EveryDay Savings that you should know about.

  • No joint accounts.
  • No routing number or account number, so no direct deposit or linking via other banks.
  • You can only initiate ACH transfers through Betterment, and you can only link one external bank account.
  • It’s not a “real” savings account, so there is no limit of 6 withdrawals per month.

Everyday Checking plans to offer things like direct deposit (and thus real routing and account numbers).

Bottom line. Betterment, a “robo-advisor” best known for their automated investing service, has added a high-yield savings product called Betterment Everyday Savings. There are some limitations with external bank transfers, but I do like that it has a transparent structure that links the interest rate to the Fed Funds Rate. If you sign-up on their EveryDay Checking waitlist, you can get up to 2.44% APY which is a competitive rate on liquid savings.

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.

Bank of America Amtrak Guest Rewards Credit Card: 40,000 Points + $100 Statement Credit 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.

The Bank of America Amtrak Guest Rewards credit card currently has a limited-time offer that can get you over $1,000 value in Amtrak train fare. If the link doesn’t load, visit Amtrak.com and start booking any reservation. Then go back and reload the application link. Note that the offer on the Amtrak.com front page does not include the $100 statement credit. Improved link found via DoC. Here are the highlights:

  • 40,000 bonus points and $100 statement credit after you make $2,500 or more in purchases on your new card within 90 days of account opening.
  • Complimentary Companion Coupon, One-Class Upgrade and a Single-Visit Station Lounge Pass for access to ClubAcela, Amtrak Metropolitan Lounge, or First class lounges upon account opening.
  • 3 points per $1 spent with Amtrak
  • 2 points per $1 spent on other qualifying travel purchases
  • 1 point per $1 spent on all other purchases
  • Get a 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel.
  • 1,000 Tier Qualifying Points (TQPs) every time you make at least $5,000 in purchases in a calendar year, up to 4,000 TQPs
  • There’s no limit to how many points you can earn and you can redeem them when you want since your points will not expire as long as your card account is open.
  • No foreign transaction fees†
  • $79 annual fee.

This offer is not going to be attractive for everyone, but it can be very valuable if you either enjoy recreational train travel or if you can use it for your commuting needs.

Amtrak points are worth about 2.6 to 2.9 cents per points towards Amtrak train fare. That means 40,000 points is worth over $1,000 in Amtrak train fare. Amtrak redemptions are variable and directly-linked to the cash cost, so you can use points on basically any ticket. In addition, the $100 statement credit more than offsets the $79 annual fee.

The best value is for train fare, but Amtrak points do transfer to certain other hotel programs, although some require elite status in those programs. You can also redeem for various gift cards at a rate of 10,000 points = $100 gift card. So 40,000 points would get you $400 in gift cards to CVS, Kohl’s, Lowe’s, Starbucks, etc.

You could take the train across the entire country! There is an 18-hour Capitol Limited overnight train from Washington D.C. to Chicago in a “Superliner Bedroom” with a private bathroom.

You could then take the 3-day, 2-night trip on the California Zephyr from Chicago to San Francisco. Enjoy the views as you cut through both the Rockies and Sierra Nevada mountain ranges.

Bottom line. The Bank of America Amtrak Guest Rewards credit card currently has a limited-time offer that can get you over $1,000 value in Amtrak train fare.

I do not receive a commission for this card. The potential value is high, but I don’t know if it is too niche to include in my list of Top 10 Best Credit Card Bonus Offers. I feel that the percentage of people taking some sort of flight is much higher than those taking an Amtrak train. Am I wrong?

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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