Credit Card Overview Signup Bonuses While you can certainly earn 2x-5x on everyday spend, the best way to earn large numbers of points quickly is to sign up for several cards per year and earn the signup bonus, which can be 10x or higher in some instances. Card Benefits Some people don’t like the idea…
Chase is widely regarded as one of the most important banks to focus on, and there are some good reasons for this. While you almost certainly want to get Chase cards at some point in your credit card journey, there are times where you can put yourself in a better position by deviating from conventional…
Go Wild Pass The Go Wild Pass is a non-transferrable subscription that allows you to purchase unlimited fares for $0.01 per segment, plus approximately $14.90 in taxes and fees for domestic flights, with fees being more variable for international travel. The main downside of flying using the Go Wild Pass is that you can generally…
Background on the BOI Report Guide to the BOI Report Background What is a Beneficial Owner Information Report? The Corporate Transparency Act, passed in 2021, created a requirement for companies to report direct or indirect owners, to make it more difficult to benefit from ill-gotten gains through the use of shell companies or other opaque…
What is a Travel Portal? A travel portal, sometimes referred to as an online travel agency, is a website that finds hotels, flights, cruises, car rentals, and other types of travel. These can either be standalone companies such as Expedia, Bookings.com, and Hotels.com, or they can be affiliated with a bank, such as Citi Travel,…
An Unexpected Phone Call Around 20 minutes after getting settled in my room during my stay at the Embassy Suites in Myrtle Beach, I received a call to my room phone and the voicemail was inviting me down to the lobby for discounts and Hilton points. Getting bonus points for doing nothing sounded too good…
As you likely know if you have had to call the Hilton customer service line, they will ask at the end of the call if they can transfer you to the Hilton Grand Vacations sales department in order to try to sell you a timeshare presentation vacation package. They offer 500 points for being transferred,…
Details How to Maximize the Value of this Promotion I don’t generally fly Southwest, but as you can see from the route map below, Southwest has a very extensive route map, so I’m confident that I will be able to use it at least once and save more than the cost of the qualifying flights.…
Why These Cards Matter Among the major credit card points currencies, Chase is considered to be one of the best, particularly for people who value hotel redemptions thanks to its ability to transfer to Hyatt, whose award chart allows hotels to be booked for a minimum of 3,500 points per night. The only other program…
Ways to Support Creators Super Chats and Channel Memberships are two ways to support your favorite YouTube creators. A Super Chat is a chat sent during a live stream that you pay to send. This highlights the message in the live chat feed and it can help your comment stand out, making it more likely…
What is a Timeshare Presentation? A timeshare presentation is generally a heavily discounted vacation, and in exchange for this discount you agree that you (and anyone else who is with you) will attend a sales pitch that may last from 90-120 minutes, where they will attempt to convince you to purchase a timeshare. Almost all…
CLT-MSY Flight I’m flying nonstop from Charlotte, NC to New Orleans on 8/30, and I am scheduled to arrive at 6:00pm, with a flight time of around 2 hours . This is my ideal flight since I don’t have to get up early, I have time to visit the Centurion Lounge in CLT, and I…
What is the Purpose of Coupons? People criticize American Express for having random statement credits that don’t align with people’s spending, that are often called coupons in a negative way. You may hear that you’ll have to change your spending habits in order to benefit from them. That’s intentional, but it’s not malicious and it…
What this Card Offers As of July 24, 2024, the Gold Card has a $250 annual fee and offers the following benefits: On July 25, 2024, the following changes were made to the Gold Card: I think that the addition of the Resy and Dunkin Donuts credits is a nice change, and if someone can…
Lounge Access The lounge access is very similar between both options, as they both offer Priority Pass lounge access that does not include restaurants, although there are a few differences, listed below: The ability to add AUs for free, the addition of Plaza Premium, and the fact that you can still use the Chase lounges…
What Are Amex Charge Cards? American Express offers a series of cards that don’t typically have a stated credit limit and generally require that the balance be paid in full each month. These cards include the following: Due to the addition of Pay Over Time, you can now choose to carry a balance up to…
Disclaimer: This article is for informational purposes only and not for the purpose of providing tax or legal advice. The content should not be relied upon for making tax or legal decisions. Are Rewards Considered Income? Typically, the IRS treats credit card rewards as a rebate on spend, rather than taxable income. For personal transactions this…
What Are Card Linked Offers? Card linked offers are promotional offers that allow you to receive a rebate for specific merchants, typically in the form of cash back, although some offers will give you points instead. These offers can be separated into 2 types: credit card merchant offers and card linked offer portals. Credit Card…
To start, I need to say that as an accountant, keeping business and personal expenses separate by using separate bank accounts and credit cards is always the preferred option, as it makes tax preparation and end of year bookkeeping much more straightforward. This may also result in savings on your accounting bill if you are…
What is Cents per Point? When discussing different redemption options for points and miles, generally people will refer to how many cents per point you get in value. This is calculated by taking the cash cost of the hotel or flight, subtracting any taxes and fees that you will still pay with an award redemption,…