Chase FreedomThe Chase Freedom® is one of the most popular reward cards offered. It features 1% cash back on all purchases, or 5% bonus cash back on up to $1,500 spent each quarter at qualifying merchants. But what few people know is that Chase also offers a 10% annual Exclusives bonus when cardholders have both a Chase Freedom® card a Chase checking account.

How this works

At the end of the year, Chase adds up the number of points the cardholder has earned and adds another 10% to their account. This includes all of the points earned at both one point per dollar and 5 points per dollar. Therefore, cardholders who also have a checking account are earning 1.1 cents and 5.5 cents per dollar.

To put it another way, a cardholder who spends the entire $6,000 eligible for 5x points can earn 33,000 points each year. [click to continue…]

travel_rewardsAmongst my family and friends, I am known as the guy that can help you travel for free. Yet every year, people try to get me to help them book a last minute trip over the holidays. Often, there is not much that I can do.

How to book an award trip

There are three factors that generally affect your ability to book an award. First is the length of time in advance. Airlines open their award seats 11 months in advance, and many of the best seats are taken in the first month. Still there are many good seats available until about 7 months in advance, but then there are far fewer seats each month after that.

The next factor is your flexibility. Those with the most flexibility will have the easiest time booking award travel. Those who need to travel on specific dates are often disappointed. [click to continue…]

Advantages Of The Citi Platinum Select/ AAdvantage Card

April 11, 2014
Advantages Of The Citi Platinum Select/ AAdvantage Card

The world of frequent flier miles has been turned upside down in the last few year. First, airlines went on a merger spree, and there are far fewer remaining. The surviving carriers then decided to devalue their mileage programs by offering fewer miles for flights and/or requiring more mile for award seats. Throughout this time, […]

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Why Citi Simplicity Is Best For Those Who Struggle With Credit Cards

April 9, 2014
Why Citi Simplicity Is Best For Those Who Struggle With Credit Cards

Credit card users often have a mixed relationship with their cards. They love the convenience and security, but they hate the high interest rates and punitive terms. Citi has created their in order to give these kind of credit card users a break. How Simplicity Works New cardholders start off with a break from interest […]

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Is The Chase Freedom The Best In Class?

April 7, 2014
Is The Chase Freedom The Best In Class?

The , the , and the are all similar cards. Each offers 1% cash back on all purchases, or 5% bonus cash back for purchases from select categories of merchants that change each quarter. So when choosing one of these cards, it helps to consider the benefits of one card over the others. Why the […]

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Great Cards With No Foreign Transaction Fees

April 4, 2014
Great Cards With No Foreign Transaction Fees

Credit card issuers typically impose a 3% foreign transaction fee on all charges processed outside of the United States. This fee serves little purpose considering that card issuers receive highly favorable inter-bank exchange rates, so the transfer is merely an arithmetic calculation. Thankfully, many card issuers are offering an increasing variety of cards without these […]

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Is The Chase Slate The Best Balance Transfer Card?

April 2, 2014
Is The Chase Slate The Best Balance Transfer Card?

Nearly every credit card issuer offers a variety of products that feature interest free promotional financing. But among all of these cards, the Slate card from Chase is currently the only one that features 0% APR financing on both new purchases and balance transfers, with no balance transfer fee. Some feel that this must be […]

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Rewards Pro – Surviving Weather Delays

March 31, 2014
Rewards Pro – Surviving Weather Delays

When everything works right, an expert traveler really has a similar experience to a novice. But when there is severe weather, the travel pros really know how to shine. Here is my advice for the next time mother nature wrecks havoc with your travel plans: 1. Prepare ahead of time. The important work begins before […]

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