september2014Credit cards users love travel rewards as it allows them to earn free travel in exchange for their loyalty. While one or two percent cash back is nice, it just doesn’t have the appeal of a free trip to one’s favorite destination.

This September, there are several great travel rewards promotions available to credit card users:

Citi® Hilton HHonorsTM Visa Signature® Card

This card offers new applicants 40,000 points after spending just $1,000 within four months of opening an account. Cardholders also earn double points on all purchases, three points per dollar spent on purchases at supermarkets, drugstores and gas stations, and six points per dollar spent at Hilton properties. This is also one of the rare travel reward credit cards that has no annual fee.

  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases*
  • No annual fee.*
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

N/A*

N/A*

14.24% or 16.24% (Variable)*

None

Excellent Credit


Citi® Platinum Select® / AAdvantage® World MasterCard®

This card offers new applicants 30,000 bonus miles after spending just $1,000 on the card within three months of approval. Cardholders also receive two free Admiral’s Club passes. Other benefits include cardholders first eligible checked bag free, group 1 boarding, and a 25% savings on eligible in-flight purchases. Cardholders can also earn a $100 American Airlines Flight Discount every card membership year that they make a qualifying purchase renew their card. Finally, cardholders can earn 10% of their redeemed AAdvantage miles back – up to 10,000 AAdvantage miles each calendar year. There is a $95 annual fee for this card that is waived the first month.

  • Earn 30,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club® Passes after making $1,000 in purchases within the first 3 months of cardmembership.*
  • Your first eligible checked bag is free*
  • Group 1 boarding and 25% savings on eligible in-flight purchases*
  • Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year*
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

N/A*

N/A*

13.99% - 21.99% (Variable)*

$95, waived for first 12 months*

Excellent Credit


The US Airways® Premier World MasterCard®

US Airways and American Airlines are in the process of merging, but cardholders can still apply for both cards and receive both sign-up bonuses. This card offers 40,000 bonus miles after cardholders first purchase and payment of the $89 annual fee. Other perks include a companion certificate for up to two guests at $99 each, a free checked bag, and zone 2 priority boarding on US Airways operated flights. This card also features 15 months of interest free financing on balance transfers, with a 3% balance transfer fee.

septemberIts easy to get into credit card debt, but it can be extremely difficult to pay it off. Making matters worse are high interest rates that keep adding to the amount owed.

To get out of this cycle, cardholders can utilize a credit card with a 0% APR promotional balance transfer offer. Here are some of the top offers for this September:

Chase Slate®

Slate continues to be the only card offered with 0% APR financing on balance transfers, and no balance transfer fee. New cardholders receive interest free financing for 15 months of both new purchases and balance transfers conducted within 60 days of account opening. In fact, accounts opened in September of 2014 will not begin incurring interest charges until 2016! There is no annual fee for this card.

  • Best 0% Offer in 'Crowning 2013's Best Credit Card Offers' (January 14, 2013) -Forbes Online
  • Pay less interest. Save on balances and new purchases
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $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%, or 22.99% (V)*

$0

Excellent/Good


Chase Freedom®

Like Slate, Freedom also offers interest free financing for 15 months of both new purchases and balance transfers, yet it does have the same 3% balance transfer fee that all other 0% APR cards have. Nevertheless, new cardholders can receive a $100 bonus after spending just $500 on their card within three months of opening their account. Another $25 bonus is given when cardholders add their first authorized user, and that cardholder makes a purchase.

Cardholders also earn 1% cash back on all purchases, and an additional 4% cash back on purchases from select categories of merchants that change each quarter. There is no annual fee for this card.

  • 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%
  • 5% Cash Back on up to $1,500 in combined purchases between October 1 — December 31, 2014 at Amazon.com, Zappos.com and select department stores
  • 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!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
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


Citi® Diamond Preferred® Card

This card features an industry leading 18 months of interest free financing on both new purchases and balance transfers, with a 3% balance transfer fee. Diamond Preferred also features premium features such as a 24/7 concierge service and numerous purchase protection and travel insurance policies. This card also offers points in Citi’s Easy Deals rewards program, that allows you to redeem points towards the price of online merchandise such as electronics, apparel and accessories, gift cards, coupons and even travel offers. There is no annual fee for this card.

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0%* for 18 months*

0%* for 18 months*

11.99%-21.99% (Variable)*

$0*

Excellent Credit


The Credit Card For People Who Don’t Like Credit Cards

September 15, 2014
The Credit Card For People Who Don’t Like Credit Cards

Not everyone loves their credit cards. When a payment arrives late by accident, cardholders may have to pay expensive late fees and interest charges, and their APR may even rise to a much higher penalty interest rate. Frankly, some credit card users have no interest in giving their business to a company that is bent […]

Continue Reading →

Rewards Pro – Considering Fixed Value Rewards Over Airline Miles

September 12, 2014
Rewards Pro – Considering Fixed Value Rewards Over Airline Miles

The airline industry has finally become profitable on a consistent basis, and some carriers are now actually doing quite well as the industry consolidates. These trends might explain why carriers are being less generous with their frequent flier programs. They are still handing out plenty of miles from their credit cards, although both Delta and […]

Continue Reading →

Ask the Professors: What is the Hardest Thing about Personal Finance for Students?

September 11, 2014
Ask the Professors: What is the Hardest Thing about Personal Finance for Students?

Understanding personal finance is something that many people are still trying to master with each passing year, so when you’re a student personal finance can seem like a lot to handle at first. Whether you’re still in school or still trying to improve your finances, getting all of the advice you can get as soon […]

Continue Reading →

Barclaycard Arrival Plus Versus Standard Arrival

September 10, 2014
Barclaycard Arrival Plus Versus Standard Arrival

Barclaycard has a winning formula with its Arrival credit cards. Both the standard Arrival and the Arrival Plus offer miles that can be redeemed for statement credits towards any travel reservation. The difference is that the standard Arrival offers just one mile per dollar spent on all purchases, and double miles on travel and dining, […]

Continue Reading →

Credit Cards That Offer Rewards And Promotional Financing

September 8, 2014
Credit Cards That Offer Rewards And Promotional Financing

Some cardholders just want to earn valuable rewards, while others are most in need of a promotional financing offer. Thankfully, those who need both don’t have to choose between one of the other, as there are several cards that offer both rewards and interest free promotional financing offers. Here are a few of the best […]

Continue Reading →

Rewards Pro – My Strategy For Keeping And Cancelling Cards

September 5, 2014
Rewards Pro – My Strategy For Keeping And Cancelling Cards

When ever I talk to people about credit card use, they are always confused about how to manage their credit card accounts. As a credit card expert, they typically ask me how I do it. Which cards do I get I look for two things in a credit card. The first is a generous sign […]

Continue Reading →