Every serious collector of points and miles eventually realizes that how they redeem their rewards is at least as important as how they are earned. I have earned and redeemed millions of points and miles, and here are a few of the tricks I use to ensure that I receive the most value from them.

  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0% for 15 months*

0% for 15 months*

13.99% - 22.99% Variable*

$0

Excellent/Good


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Few people realize that you can open up a new credit card account, with a 0% APR balance transfer offer, and transfer a balance from another person’s account. You can, but the big question is, should you?

  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • New Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0% for 15 months*

0% for 15 months*

12.99%, 17.99%, 22.99% Variable*

$0

Excellent/Good



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Rewards Pro – My Lufthansa First Class Experience

June 30, 2015

Among travel rewards aficionados, Lufthansa first class has a special allure. First class is a class of service offered on three class long haul international flights, and it is not to be confused with the domestic first class offered in the United States. When you are traveling on international first class, you receive service that […]

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Balance Transfers Are About More Than Just Interest Rates

June 26, 2015

Credit card users love 0% APR promotional balance transfer offers because they give them a chance to save money on interest charges while they pay down their debt. These offers, which last from as little as six months to as long as 21, let cardholders transfer one or more balances from their existing credit card accounts […]

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Discover’s New Freeze it Feature

June 24, 2015

Have you ever wished that you could just turn your credit cards off? In the past, you either had an account or you didn’t, and there was little you could do to pause it. But now, Discover has introduced an innovative new feature called Freeze it that is kind of like an on/off switch for your […]

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How To Earn 3% Cash Back On Everything

June 22, 2015

You can’t argue with the value of plain old cash back, especially as airlines and hotels continue to tinker with the value of their points and miles. Yet many credit card users are not very excited to earn just 1% or even 2% cash back. But now, Discover it offering their new it Miles card, […]

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Enjoy Low Rates And Fees With Barclaycard Ring

June 19, 2015

The Barclaycard Ring is unlike any other credit card on the market. Cardholders participate in a community that suggest new ideas and votes on changes to the card. But in addition, this card also offers very low rates and fees.

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Citi ThankYou Preferred For College Students

June 15, 2015

When students enter college, they may be looking to have a credit card in their own name, possibly for the first time. When looking for a card, they should find a reliable product from a major card issuer that offers valuable rewards and benefits. The Citi ThankYou Preferred For College Students offers exceptional rewards for a […]

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