JPMorgan Chase & Co — ✅ خرید وی پی ان ❇ ip ثایت vPn آی پی اختصاصی ◐

اکتبر 18, 2022

Capital One’s Premier Collection Offers Luxury Hotel Perks

Capital One made waves in the premium credit card space with the introduction of the Capital One Venture X Rewards Credit Card and is working hard to keep the momentum going.One year after its launch, the Capital One Travel portal is adding a new feature, specifically for premium cardholders: the Premier Collection. Rivaling similar programs offered by American Express and Chase, the Premier Collection will offer cardholders an elevated experience and money-saving perks when staying at luxury hotels and resorts. Capital One says that its goal is ultimately to provide cardholders with a more authentic, local experience when traveling.Below, Select details everything that you need to know about Capital One’s Premier Collection and who will have access to this feature.Subscribe to the Select Newsletter!Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. Sign-up here.Capital One Travel Premier CollectionThe Premier Collection will provide premium Capital One cardholders a suite of exclusive, elite-like benefits when staying at hundreds of luxury hotels around the globe from brands like Small Luxury Hotels, The Leading Hotels of the World, Six Senses, 1 Hotels, Montage Hotels and Resorts and Proper Hotels.Some participating properties include The Ned NoMad in New York City, the Montage Laguna Beach in California, the 1 Hotel South Beach in Florida, the La Réserve Paris Hotel and Spa in Paris and more.BenefitsCustomers will enjoy the following benefits when booking through the Premier Collection:

A $100 USD experience credit (or the local equivalent) to use on dining, spa, and other activities during their stay
Daily breakfast for two
Complimentary Wi-Fi
Additional premium benefits when available, including early check-in, late checkout and a room upgrade

EligibilityWhile no exact date has been announced, the Premier Collection is set to launch in 2022 and will be accessible through the Capital One Travel portal.It will be available exclusively to those with the premium Capital One Venture X Rewards Credit Card and the Capital One Spark Travel Elite, which is a business credit card currently only available through Capital One Relationship Managers. Authorized users will also have access.Capital One Venture X Rewards Credit CardInformation about the Capital One Venture X Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Rewards10X miles on hotels and rental cars, 5X miles on flights when booked via Capital One Travel; unlimited 2X miles on all other eligible purchases
Welcome bonusEarn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Annual fee
Intro APR
Regular APR19.99% – 26.99% variable APR
Balance transfer fee3% for promotional APR offers; none for balances transferred at regular APR
Foreign transaction fees
Credit needed

PricingPremier Collection room rates should be in line with the best publicly available rate. Capital One told Select that if a customer finds a better price for the same hotel within 24 hours of booking, it will refund the difference per its Price Match Guarantee terms and conditions. There’s also no minimum stay requirement so customers can still enjoy the $100 property credit and other perks on one-night stays.As with other Capital One Travel hotel bookings, Venture X cardholders will earn a generous 10X miles on Premier Collection bookings and can choose to either redeem their miles or up to $300 annual Capital One Travel credit toward their stays. Better yet, Capital One has confirmed that Premier Collection benefits can be stacked with hotel loyalty program benefits, meaning you can still earn hotel points and get elite benefits, when applicable.Alternatives to the Premier CollectionCapital One is going head-to-head with American Express and Chase with the launch of the Premier Collection. Both of the other issuers already offer similar programs which offer extra benefits when booking luxury hotels.Premium American Express cardholders, such as those who carry The Platinum Card® from American Express, have access to the Fine Hotels & Resorts program, which offers the following benefits, based on availability:

Daily breakfast for two
Complimentary room upgrades and Wi-Fi
12 p.m. check-in and guaranteed 4 p.m. late check-out
A $100 credit to use toward on-property activities, dining or other perks like airport transfers, depending on your hotel

The Platinum Card® from American ExpressOn the American Express secure site

RewardsEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases
Welcome bonusEarn 100,000 Membership Rewards® points after spending $6,000 within 6 months of card membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Annual fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fee
Credit Needed

Meanwhile, those with higher-end Chase cards like the Chase Sapphire Reserve®, receive special benefits through The Luxury Hotel & Resort Collection, such as:

Daily breakfast for two
Complimentary room upgrades and Wi-Fi
Early check-in and late check-out
A special benefit worth up to $100

The main difference is that both of these cards carry significantly higher annual fees than the Venture X.Chase Sapphire Reserve®

RewardsEarn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025
Welcome bonusEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Annual fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fee
Credit needed

Bottom lineCapital One continues to add value to its travel credit card lineup. In the past year, the issuer has launched a new travel portal, opened its first airport lounge and rolled out exclusive dining and entertainment platforms. It also just announced Capital One Landing, a culinary-focused alternative to the traditional airport lounge.The addition of the Premier Collection makes the Capital One Venture X Rewards Credit Card even more compelling and its $395 annual fee easier to justify. Between the money-saving benefits available through the travel portal, airport lounge access, and now hotel perks, cardholders can expect a smoother travel experience from booking to check-out.If you don’t already have a Capital One Venture X Rewards Credit Card and want to sign up, you can currently earn a large welcome bonus of 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.Catch up on Select’s in-depth coverage of personal finance, tech and tools, wellness and more, and follow us on Facebook, Instagram and Twitter to stay up to date.For rates and fees of The Platinum Card® from American Express, click here.Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party. .

آگوست 25, 2022

Best Credit Cards for Exclusive Events and Experiences

Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We earn a commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners.Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.Credit cards can offer a wide range of benefits, from cell phone protection to airport lounge access. Although less talked-about, some even provide access to exclusive events and experiences. This can range from presale tickets for sports games and concerts to exclusive dinners and cardholder-only lounges, and nearly every major card issuer offers such benefits.While these perks went largely unused during the pandemic lockdowns, issuers are now doubling down on these lifestyle and other non-travel benefits. Your credit card may be able to help you get special access at the U.S. Open in New York City, iHeartRadio Festival in Las Vegas, Sundance Film Festival in Park City and beyond.Here are the credit card issuers that offer cardholders access to exclusive events and entertainment experiences, and how you can use these perks.Subscribe to the Select Newsletter!Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. Sign-up here.Best credit cards for exclusive events and experiencesUsing credit cards to access events and experiencesEvery credit card issuer handles access to exclusive events and experiences differently.Issuers like American Express may require you to have a specific card, or an invitation, to participate in an event. Others may only require you to be an active cardholder of any of their cards.So if you’re looking to squeeze more value out of your credit card, consider the main credit card issuers below and their offers for cardholders to experience premium events.American ExpressAmerican Express has a large array of events you can attend as a cardholder, but the more premium events are invitation-only. However, even without an invitation, there are many events you can grab tickets to including Broadway shows like Hamilton in New York and concerts like Katy Perry in Las Vegas. A number of major venues, such as Barclays Center and the Crypto.com Arena, also offer exclusive entrances for American Express cardholders.The “By Invitation Only” experiences include access to The Centurion Suite at the U.S. Open, cardmember-exclusive fashion shows and tickets to the Palm Springs Film Awards. Some of these experiences are free while others are paid.You can check out the various experiences here. But to access the more premium events and experiences, you’ll need to have a higher-end card like one of these below:The Platinum Card® from American ExpressOn the American Express secure site

RewardsEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases
Welcome bonusEarn 100,000 Membership Rewards® points after spending $6,000 within 6 months of card membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Annual fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fee
Credit Needed

The Business Platinum Card® from American ExpressOn the American Express secure site

RewardsEarn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com and 1X points for each dollar you spend on eligible purchases. Also, earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Welcome bonusEarn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases within the first 3 months of card membership
Annual fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fee
Credit needed

American Express® Gold CardOn the American Express secure site

Rewards4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases
Welcome bonusEarn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases within the first 6 months of card membership
Annual fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fee
Credit needed

Capital OneThe Capital One Entertainment portal is filled with exclusive events and experiences for cardholders. The benefits for cardholders include early access to tickets, special on-site perks at specific venues and the ability to upgrade experiences at certain events using Capital One miles.Some of the events include cardholder-only dinners at Michelin-star restaurants, presale tickets to sporting events like the Capital One Orange Bowl in Miami, VIP packages at music festivals like the iHeartRadio Festival in Las Vegas and more. Through a partnership with The Cultivist, Capital One credit cardholders are also eligible for a six-month complimentary “The Enthusiast” membership, which offers free access to top museums around the world, including the Guggenheim Museum in New York City, San Francisco’s Museum of Modern Art, and the Louvre in Paris.You can visit the Capital One Entertainment portal to see what events are being offered. While you don’t need to have any specific Capital One card to access these benefits, here are some of our favorite credit cards from the issuer:Read more: Here are the best Capital One credit cardsChaseChase offers its Chase Experiences to all cardholders. They include access to exclusive events and Chase Dining experiences, along with additional benefits at events like the U.S. Open and Outside Lands Music and Arts Festival and at venues like the Chase Field, Chase Center and Madison Square Garden. Special benefits can range from priority entry and preferred seating to access to VIP lounges with free refreshments. You can also choose to redeem your Ultimate Rewards points for many of these experiences.There’s also Chase Dining, which give cardholders exclusive access to reservations at upscale restaurants through Tock. Additionally, if you’re looking for tickets for an upcoming sporting event or concert, Chase Experiences comes with access to presales and preferred seating from Ticketmaster. Those with the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® get even more benefits, including access to the Sapphire Dining series.So if you’re interested in scoring additional experiences for being a Chase credit card holder, you may consider signing up for one of the cards below:Chase Sapphire Preferred® Card

Rewards$50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, and 1X points on all other purchases
Welcome bonusEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
Annual fee
Intro APR
Regular APR17.49% – 24.49% variable on purchases and balance transfers
Balance transfer feeEither $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
Credit needed

Chase Sapphire Reserve®

RewardsEarn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025
Welcome bonusEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Annual fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fee
Credit needed

CitiThe Citi Entertainment portal offers Citi cardholders early access to ticket presales for concerts, sports and cultural events. At the time of writing, the platform appears to be geared mostly toward concerts.Many tickets are considered ‘Citi Preferred Tickets’ where you will need a qualifying Citi credit card to purchase the tickets. The kicker of this program is that you’ll have a chance to get tickets or VIP packages before non-Citi cardholders for specific events.So if you see an event on the Citi Entertainment platform you’re interested in, it may be beneficial to have a Citi credit card in your wallet to grab your tickets.Citi Premier® Card

Rewards3X points per $1 spent at restaurants, supermarkets, gas stations, and on hotels and air travel, 1X points on all other purchases
Welcome bonus80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Annual fee
Intro APR
Regular APR
Balance transfer fee5% of each balance transfer, $5 minimum
Foreign transaction fee
Credit needed

Citi® Double Cash Card

Rewards2% cash back: 1% on all eligible purchases and an additional 1% after you pay your credit card bill
Welcome bonusFor a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Annual fee
Intro APR0% for the first 18 months on balance transfers; N/A for purchases
Regular APR
Balance transfer feeFor balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies
Foreign transaction fee
Credit needed

Bottom lineFor rates and fees of The Platinum Card® from American Express, click here.For rates and fees of The Business Platinum® Card from American Express, click here.For rates and fees of the American Express® Gold Card, click here.Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party. .

آوریل 22, 2022

3 Marriott Credit Cards Offering Free Nights, up to 100,000 Points

Up to 17X points per dollar at participating Marriott Bonvoy properties—that’s 6X points per dollar for using your card, 10X points per dollar for bring a member of Marriott Bonvoy® and 1X points per dollar for your included Silver Elite Status
3X points per dollar on the first $6,000 you spend each year in combined purchases on dining and at grocery stores and gas stations
2X points per dollar on other purchases, travel-related or otherwise

Cardmembers will also earn one elite night credit for every $5,000 spent, as well as a free night certificate, worth up to 35,000 points, each year following your account anniversary. You’ll also score automatic Silver Elite status with Marriott Bonvoy and be eligible to receive 15 Elite Night Credits each calendar year.This card is a great fit for someone who travels a few times per year and doesn’t want to pay a hefty annual fee. There is a $95 annual fee, while other benefits include trip delay insurance, baggage delay insurance, lost luggage and trip delay reimbursement, purchase protection, complimentary Visa Concierge service, no foreign transaction fees and access to complimentary premium Wi-Fi at participating Marriott Bonvoy properties. Points also won’t expire if you keep your account active by making purchases every 24 months.Marriott Bonvoy Boundless® Credit Card

RewardsEarn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining; 1 Elite Night Credit towards Elite Status for every $5,000 spent; up to 17X total points for every $1 spent at hotels participating in Marriott Bonvoy®, and 2X points for every $1 spent on all other purchases
Welcome bonusEarn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases
Annual fee
Intro APR
Regular APR16.24% to 23.24% variable on purchases and balance transfers
Balance transfer feeEither $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
Credit needed

Marriott Bonvoy Brilliant® American Express® CardThe Marriott Bonvoy Brilliant® American Express® Card is a step up from the Boundless card in terms of benefits and features. After being approved, you’ll have the opportunity to earn 100,000 Marriott Bonvoy points and one Free Night Award, redeemable up to 85,000 points, after spending $5,000 in eligible purchases within the first three months of account opening.Cardholders will also be able to earn:

6X points per dollar at participating Marriott Bonvoy properties
3X points per dollar on dining, takeout and delivery at U.S. restaurants, as well as in-flight meals booked directly with the airline
2X points per dollar for all other purchases

The card is loaded with travel benefits, including the following perks:

Automatic Gold Elite status and premium Wi-Fi access
A $300 Marriott Bonvoy statement credit each year of membership
1 Free Night Award each year following your card renewal month, redeemable for a stay of up to 50,000 points
A $100 Marriott Bonvoy property credit to use toward qualifying charges when you book a stay of at least two night at participating St. Regis or Ritz-Carlton properties
15 Elite Night Credits to use toward achieving your next level of elite status
Priority Pass Select membership, allowing access to more than 1,200 lounges in over 130 countries
A statement credit to use for TSA PreCheck or Global Entry enrollment
*Baggage, trip cancellation and interruption insurance; trip delay insurance; rental car loss and damage insurance; and access to the Premium Global Assist Hotline.

While this card does have a $450 annual fee (see rates and fees), if you fully take advantage of its many benefits and earn the welcome bonus responsibly, the perks can definitely outweigh the price.Marriott Bonvoy Brilliant™ American Express® CardOn the American Express secure site

Rewards6X Marriott Bonvoy points for each dollar spent on eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3X points at U.S. restaurants and on flights booked directly with airlines, 2X points on all other eligible purchases
Welcome bonusEarn 100,000 Marriott Bonvoy bonus points and 1 Free Night Award after you use your new card to make $5,000 in purchases within the first 3 months.
Annual Fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fee
Credit needed

Marriott Bonvoy Bold® Credit CardWhile the Marriott Bonvoy Bold® Credit Card is the lowest-tier card on our list, it can still be valuable for those who don’t travel as frequently. The card is currently offering a welcome bonus of 30,000 Marriott Bonus points after you spend $1,000 within the first three months of account opening.Cardholders will be able to earn the following:

Up to 14X points per dollar at participating Marriott Bonvoy hotels — that’s 3X points for using your card, 10X points for being a member of Marriott Bonvoy and 1X points per dollar for your included Silver Elite Status
2X points per dollar on travel-related purchases
1X point per dollar spent everywhere else

This card also gives you 15 Elite Night Credits per year, which will qualify you for Silver Elite Status. It also comes with many of the same travel and protection benefits as the Marriott Bonvoy Boundless card, such as travel insurance, baggage delay insurance, trip delay and lost luggage reimbursement and no foreign transaction fees — all without an annual fee.Marriott Bonvoy Bold® Credit Card

RewardsEarn up to 14X total points for every $1 spent at over 7,000 participating Marriott Bonvoy® hotels, 2X points on other travel purchases (from airfare to taxis and trains) and 1X point on all other purchases
Welcome bonusEarn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening
Annual fee
Intro APR
Regular APR16.24% to 23.24% variable on purchases and balance transfers
Balance transfer feeEither $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
Credit needed

How to maximize Marriott Bonvoy pointsAs you start to rack up Marriott Bonvoy points, it’s important to keep a few things in mind to ensure you’re getting the biggest bang for your buck.Stretch the value of each Marriott Bonvoy pointDo your best to redeem your points for the highest cost per point available. Generally, Marriott Bonvoy points are worth roughly 0.8 cents per point, according to several travel rewards websites, so as you’re searching for hotels, keep the following formula in mind:(The cost of the hotel stay including taxes and fees) / (the number of points) = the cost per point.If you can get this value to 0.8 cents per point or above, it’s considered to be a worthwhile redemption.For example, in May 2022 you can use around 97,000 to 115,000 Marriott points per night to stay at the The Ritz-Carlton Maldives, Fari Islands, a luxurious resort in the Maldives with overwater villas. However, cash prices during this same timeframe are anywhere from $1,700 to $4,000 per night. This would give you well over 1 cent per point in value and would make for a fantastic redemption.Redeem five nights for the price of fourKeep in mind that as you redeem your rewards, you can get one night free if you pay for a stay of at least five nights completely with Marriott Bonvoy points. For example, if a stay at your desired Marriott hotel goes for 20,000 points per night, a five-night stay will only end up costing you 80,000 points, giving you a 20% boost in the value of your points.Put those points to useRemember that all points and miles earned through airline, hotel and travel brands are susceptible to devaluation. This happens when the brand itself requires more points for the same booking, which results in your points suddenly becoming less valuable, and often without any notice. To fight back against this, it’s best to try and use your hard-earned points and miles regularly. Whether you’re taking a trip for yourself or booking a hotel room for a friend, it’s not wise to hold onto a large sum of points for a long period of time since their value could drop at any given time.Bottom lineThese three updated Marriott Bonvoy credit card welcome bonuses are among the most valuable available right now. Before you apply, it may be advantageous to check your credit score, as all of the cards mentioned above require at least a good credit score in order for you to be approved.Should you decide to apply, be sure you have a plan that lets you earn the welcome bonus responsibly. It’s never advised to make more purchases on a credit card just to earn a welcome bonus. If you need help earning one, consider talking to friends or family about making some purchases on their behalf and then getting reimbursed.Catch up on Select’s in-depth coverage of personal finance, tech and tools, wellness and more, and follow us on Facebook, Instagram and Twitter to stay up to date.For rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, click here.*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/ benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by thirdparty service providers. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party. .

مارس 30, 2022

United Club℠ Infinite Credit Card Review 2022

Rewards4 miles per $1 spent on United® purchases, 2 miles per $1 spent on all other travel and dining (including eligible delivery services) and 1 mile per $1 spent on all other purchases
Welcome bonusEarn 120,000 bonus miles after you spend $6,000 on purchases in the first 3 months from account opening
Annual fee
Intro APR
Regular APR16.49% to 23.49% variable
Balance transfer fee
Foreign transaction fees
Credit needed

Pros

Annual fee waived the first year
United Club membership with access to over 45 United Club locations and participating Star Alliance™ affiliated lounges worldwide
Up to $100 Global Entry or TSA PreCheck fee credit every four years
No fee on purchases made outside the U.S.

Cons

High annual fee
No intro 0% APR period

Welcome bonusThe welcome bonus offered with this card delivers big value, allowing new cardholders to earn 120,000 bonus miles after spending $6,000 on purchases within the first three months of account opening. If you value United miles at a modest 1 cent per mile you’d end up with about $1,200 worth of travel from the bonus alone, and that’s not even including the additional miles you’ll earn from purchases made to get the bonus.Compared to other travel credit cards this is one of the most lucrative welcome bonus offers available at the moment. Many are able to get more value from United miles as well, so this bonus could easily be worth way more depending on how you redeem your miles.Keep in mind that you won’t be able to get the welcome bonus if you already have another United Club card or you’ve already gotten a welcome bonus for another United Club card within the past 24 months.Benefits and perksThe United Club℠ Infinite Card is packed with plenty of features for cardholders to take advantage of. If you’re thinking of applying, it’s important to think realistically about how many of the perks you’ll actually use — and how often — to make sure it’s worth your while.Once approved for the card, you’ll be able to enjoy the following benefits:

Access to United Club (and participating Star Alliance™ affiliate) airport lounges worldwide
Complimentary first and second checked bags when you fly with United, reflecting a $35 value on the first bag and up to $45 value on second bag each way, per person (up to $320 in savings per round-trip flight)
Up to $100 statement credit every four years when you enroll in NEXUS, TSA PreCheck or Global Entry
25% back on in-flight purchases such as Wi-Fi, food or beverages (as a statement credit)
10% off United economy saver award flights within the continental U.S. and Canada
Because it’s a co-branded MileagePlus credit card, you’ll earn up to 4,000 Premier Qualifying Points, or PQPs, toward United elite status annually — 500 for every $12,000 you spend (up to 4,000 per calendar year)
Premier Access travel services such as priority check-in and expedited security, boarding and baggage handling
Comprehensive travel insurance including trip cancellation and interruption, baggage delay insurance, reimbursement for lost luggage and trip delays, travel accident insurance (including travel and emergency assistance services and emergency evacuation and transportation) and rental car coverage (collision damage waiver)
Visa Infinite concierge services

By taking advantage of most or all of these benefits, you can easily justify the card’s $525 annual fee. Even if you just get the card for United Club access, you’ll be saving money since a membership costs $550 to $650 when you’re purchasing directly from United.How to earn and redeem United milesEarning United MileagePlus milesWhen you spend on the card, you’ll earn:

4X MileagePlus miles per dollar on all purchases from United Airlines, including in-flight services such as Wi-Fi, food and beverages, as well as tickets for flights
2X MileagePlus miles per dollar on all other travel purchases — flights, hotels, cruises, trains, rental cars, tolls, public transportation, taxis and ride-sharing services
2X MileagePlus miles per dollar on dining and eligible delivery options
1X MileagePlus mile per dollar spent everywhere else

Select calculated how many miles the average American could potentially earn in a year by using their United Club℠ Infinite Card. We worked with the location intelligence firm Esri, who provided us with a sample annual spending budget of $22,126.The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). Here’s what the average consumer would earn by using this credit card:

Groceries: 5,174 United MileagePlus miles
Gas: 2,218 United MileagePlus miles
Dining out: 7,350 United MileagePlus miles
Travel: 8,976 United MileagePlus miles (assuming all travel dollars are spent with United Airlines)
Utilities: 4,862 United MileagePlus miles
General purchases: 3,953 United MileagePlus miles

With all spending considered, you could end up earning 32,533 United MileagePlus miles within the first year if you were to include the 120,000-mile welcome bonus — this type of spending would end up yielding a total of 152,533 United MileagePlus miles. Over a five-year period, cardholders could potentially earn 282,665 United MileagePlus miles, although the total amount would depend more on an individual or business’ annual spending habits.Alternatively, if you’re trying to rack up a large amounts of United MileagePlus miles in a hurry, consider earning rewards through credit cards with transferable rewards. Credit cards like the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® let you earn Chase Ultimate Rewards® points, which can be transferred directly to United MileagePlus at a 1:1 ratio. These cards are some of the best travel credit cards because you have the flexibility to redeem your rewards in a variety of ways, including transferring them to United Airlines.Redeeming United MileagePlus milesOnce you earn enough United MileagePlus miles, the fun part is redeeming them for free flights. Be aware that while the flight cost is covered by miles, you’re still responsible for paying any applicable taxes and fees. For example, if you were to redeem them for a flight within the U.S., you will still have to pay $5.60 each way in taxes and fees.To redeem MileagePlus miles, visit the United website and begin searching for your desired flight pattern. Before you hit the search button, click the “book with miles” box. From there, you will be able to look through any available flights and see how many miles it will cost for each seat class.Keep in mind that you should really aim to get more than 1 cent per point in value for your United MileagePlus miles. Anything below that wouldn’t be a great redemption, and you may be better off paying cash for the fare.Lastly, if you’re trying to book travel outside the United States, you may find yourself seeing different airlines on the United website. This is because of United’s connection to Star Alliance, an airline alliance with 26 members. As a result, you’ll be able to earn miles by flying with any one of them and can also redeem your MileagePlus for flights on any of United’s partners. If you’re searching for flights from New York to Singapore, for instance, you’ll be shown flights with Singapore Airlines, while if you’re interested in traveling to Germany, flights with SWISS Airlines or Lufthansa will appear in your search results.In short, as you continue to earn United MileagePlus miles by spending with the United Club℠ Infinite Card, it’s in your best interest to spend them as you earn them. If you were to instead hold onto a large amount of airline miles, you’d be susceptible to devaluation announcements from United Airlines or could potentially having them digitally stolen from you before you get to use them.Rates and feesCard comparisonThe United Club℠ Infinite Card is a solid option for someone who prefers luxury travel benefits when flying with United Airlines. But how does it stack up against other luxury travel credit cards? Select compared two other popular credit cards to see how it really matches up.United Club℠ Infinite Card vs. The Platinum Card® from American ExpressThe Platinum Card® from American Express is a value-packed luxury travel card that offers terrific benefits for both your travels and day-to-day necessities. You can also earn a ton of American Express Membership Rewards® points when you spend with the card.To get you started, the card comes with a large welcome bonus of 100,000 Membership Rewards® points after spending $6,000 in your first 6 months of card membership. And as you spend on the card, you’ll earn:

5X points per dollar on flights booked directly with airlines or through American Express Travel (up to $500,000 per year)
5X points per dollar on prepaid hotels booked through American Express Travel
1X points per dollar spent everywhere else

With the Amex Platinum you’ll also have access to a long list of benefits, including:

Up to $200 in annual airline fee credits and up to $200 in Uber credits per year
Access to the Global Lounge Collection, which has over 1,200 airport lounges in more than 130 countries. Including access to Amex Centurion Lounges and Delta Sky Clubs
A $200 hotel credit for prepaid properties booked via Fine Hotels + Resorts® or The Hotel Collection through American Express Travel
A $240 digital entertainment credit (up to $20 each month) when you use your card to purchase service with Peacock, Audible, SiriusXM or The New York Times
A $155 Walmart+ statement credit to help you cover the cost of a $12.95 monthly Walmart+ membership after you pay for monthly Walmart+ service with your card
A $300 annual credit with Equinox (broken up into $25 each month)
A $100 credit when you shop at Saks Fifth Avenue, divided into $50 for each half of the year
A $179 credit when you enroll in CLEAR
Comprehensive travel insurance and complimentary American Express concierge services

Terms apply.The Platinum Card comes with a whopping $695 annual fee (see rates and fee), which can easily be made back in value by utilizing available spending credits and taking advantage of large earnings for booking travel.When comparing the two cards, consider how often you fly and with which airline(s). If you tend to only fly with United Airlines and visit only United Club lounges, the United Club Infinite Card would be the better choice. If you’re looking for more flexibility with credit card rewards, more spending credits and a much larger list of airline lounges you can access, the Amex Platinum Card may be your best bet. If you’re primarily a Delta flyer you may be better suited with the Amex Platinum, as you get complimentary access to Delta Sky Clubs when flying on Delta.The Platinum Card® from American ExpressOn the American Express secure site

Rewards5X points on flights booked directly with airlines or with American Express Travel (starting January 1, 2021, this applies on up to $500,000 per calendar year), 5X points on prepaid hotels booked with American Express Travel, 1X points on all other purchases
Welcome bonus100,000 Membership Rewards® points after spending $6,000 within 6 months of account opening. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Annual fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fee
Credit Needed

United Club℠ Infinite Card vs. Chase Sapphire Reserve®The Chase Sapphire Reserve® is another premium travel credit card that offers cardholders a wide variety of benefits. Once you’re approved for the card, the current welcome bonus lets you earn 50,000 Chase Ultimate Rewards® after you spend $4,000 within the first three months of account opening.With the Chase Sapphire Reserve card, you’ll have access to valuable benefits, such as:

A $300 travel credit
50% more in value when you redeem Ultimate Rewards points through the Chase travel portal
A $100 statement credit for enrolling in either TSA PreCheck, Global Entry or NEXUS
Access to airport lounges, including Priority Pass lounges
Comprehensive travel insurance, purchase protection and return protection*
No foreign transaction fees

By spending with the card, you’ll also be able to earn a large amount of Ultimate Rewards points through flexible spending categories:

10X points per dollar on hotel and rental car reservations purchased through the Chase Ultimate Rewardstravel portal (after spending $300 on travel)
10X points per dollar when you use the Chase Dining program
5X points per dollar on flights purchased through the Chase Ultimate Rewards travel portal (after spending $300 on travel)
3X points per dollar on travel expenses (like flights, hotels, cabs, Ubers, trains and more) worldwide (after spending $300 on travel)
3X points per dollar at restaurants and eligible delivery services, including takeout
1X point per dollar spent everywhere else

The Chase Sapphire Reserve card comes with a $550 annual fee, just $25 more than what you’d pay for the United Club Infinite Card’s annual fee.If you’re deciding between the two cards, it really comes down to which benefits you think you will use the most and if you wish to have more flexibility with your rewards. Chase Ultimate Rewards® points can be transferred directly to United MileagePlus at a 1:1 ratio, so you could potentially earn more miles by using the Chase Sapphire Reserve card than the United Club Infinite Card based on where you do most of your spending. Plus, you can transfer to your Chase points to over ten other partners or redeem them through the Chase Travel Portal where you’ll ultimately have more flexibility in redemption.However, if your main focus is on earning status with United Airlines, the United Club Infinite Card gives you the chance to earn up to 4,000 Premier Qualifying Points per year — 500 per $12,000 spent — to help expedite your status-earning journey.Chase Sapphire Reserve®

RewardsEarn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2022
Welcome bonusEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Annual fee
Intro APR
Regular APR16.99% to 23.99% variable
Balance transfer fee
Foreign transaction fee
Credit needed

Who the United Club Infinite Card is best forThe United Club℠ Infinite Card is a solid choice for regular travelers with good to excellent credit who are loyal to United Airlines and its many Star Alliance partners. It’s a great pick for anyone who can budget for the $525 annual fee, especially those who plan to take advantage of the many benefits it offers, such as complimentary United Club lounge access and up to two free checked bags.Keep in mind that because this is a Chase card, you may end up having to deal with the infamous Chase 5/24 rule — in other words, you won’t get approved for any new Chase cards if you’ve already gotten approved for five or more personal credit cards within the last 24 months.Bottom lineThe United Club℠ Infinite Card is a solid travel credit card, perfect for anyone who enjoys flying with United Airlines, spending time in United Club lounges and checking one or two bags when they fly. The card offers a lucrative 120,000-mile welcome bonus, flexible spending categories, a number of benefits to enhance your overall travel experience and comes with a sleek design.Before you apply for a new credit card, be sure you have room in your budget for the annual fee and enough purchases coming up to get you past the $6,000 spending threshold to get the welcome bonus. Without a sturdy budget, picking up a shiny new credit card could potentially lead to a financial disaster if you end up spending outside of your means.Catch up on Select’s in-depth coverage of personal finance, tech and tools, wellness and more, and follow us on Facebook, Instagram and Twitter to stay up to date.*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/ benefitsguide for more details. Purchase protection provided by AMEX Assurance Company.For rates and fees of the Platinum Card from American Express, click here.
Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party. .

مارس 24, 2022

Southwest Performance Business Credit Card Review 2022

RewardsEarn 4X points on Southwest® purchases; 3X points on Rapid Rewards® hotel and car partners; 2X points on rideshare; 2X points on social media and search engine advertising, internet, cable, and phone services; 1X points on all other purchases
Welcome bonusEarn 80,000 points after you spend $5,000 on purchases within the first 3 months of account opening.
Annual fee$199 applied to first billing statement
Intro APR
Regular APR15.99% to 22.99% variable
Balance transfer fee
Foreign transaction fees
Credit needed

Welcome bonusThe Southwest® Rapid Rewards® Performance Business Credit Card offers a lucrative 80,000-point welcome bonus after spending $5,000 on purchases within the first three months of account opening. Note that you won’t be able to receive the welcome bonus if you already have this business card or if you’ve previously received a welcome bonus for the same card within the last 24 months, even if you’re no longer a cardholder.If you’re able to meet the minimum-spending requirement, you’ll have an impressive number of Southwest Rapid Rewards points to start out with. Since they’re generally valued at 1.3 cents per point, you’ll end up with roughly $1,100 in value within the first few months of card membership, reflecting a 22% return on your spend once you hit that mark.As you continue to spend more with the card and rack up Rapid Rewards points, you’ll be well on your way to earning the highly-coveted Southwest Companion Pass, a level of status that serves as a buy-one-get-one ticket for you and your chosen traveling companion — you’ll only have to pay taxes and fees for their flight once you reach the threshold of 125,000 qualifying points or 100 qualifying one-way Southwest flights in a calendar year, making it an extremely valuable perk. Plus, there’s no limit on how often you can use the Companion Pass as long as it’s active.Benefits and perksThe Southwest® Rapid Rewards® Performance Business Credit Card offers cardholders access to a variety of benefits and features. By making the most of these perks, its $199 annual fee becomes much easier to justify.Cardholders receive the following benefits:

9,000 bonus points for each account anniversary
Four Upgraded Boardings per year (based on availability)
Up to 365 in-flight WiFi credits per year when flying with Southwest Airlines
A $100 credit every four years to put toward TSA PreCheck or Global Entry enrollment
The chance to earn 1,500 Tier Qualifying Points toward A-List elite status for every $10,000 you spend
A $500 fee credit each anniversary year when you transfer Rapid Rewards points to another member
The ability to add authorized users for no additional fee
Lost luggage reimbursement, baggage delay insurance and travel accident insurance
Travel and emergency assistance and roadside dispatch services
Auto rental collision damage waivers on car rentals booked with the card
Extended warranty protection and purchase protection
No foreign transaction fees when you use your business card abroad
$0 delivery fees on restaurant orders above $12 (or groceries over $25), reduced service fees and $10 off your next order when you use the card and activate your complimentary year of DoorDash membership by Dec. 31, 2024.

Earning points for spendingWhen you spend on the card, you’ll earn:

4X Rapid Rewards points per dollar spent on purchases made with Southwest Airlines
3X Rapid Rewards points per dollar spent with Rapid Rewards hotel and car rental partners
2X Rapid Rewards points per dollar spent on social media and search engine advertising, as well as internet, cable, and phone services
2X Rapid Rewards points per dollar spent on transit and commuting, including ride-sharing services
1X Rapid Rewards point per dollar spent on all other eligible purchases

Select calculated how many points the average American can earn in a year when using their Southwest® Rapid Rewards® Performance Business Credit Card. We worked with the location intelligence firm Esri, who provided us with a sample annual spending budget of $22,126.The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). Here’s what the average consumer would earn by using this card:

Groceries: 5,174 Southwest Rapid Rewards points
Gas: 2,218 Southwest Rapid Rewards points
Dining out: 3,675 Southwest Rapid Rewards points
Travel: 8,976 Southwest Rapid Rewards points (assuming all travel dollars are spent with Southwest Airlines).
Utilities: 4,862 Southwest Rapid Rewards points
General purchases: 3,953 Southwest Rapid Rewards points

With all spending considered, you would end up earning 28,858 Southwest Rapid Rewards points within the first year — if you were to include the 80,000-point welcome bonus, this type of spending would yield 108,858 Rapid Rewards points. Over a five year period, cardholders could potentially earn 224,290 Southwest Rapid Rewards points, although the total amount would depend more on an individual or business’ annual spending habits.How to earn and redeem Southwest Rapid Rewards pointsEarning Southwest Rapid Rewards pointsThere are two main avenues when it comes to earning Southwest Rapid Rewards points: fly with the carrier or spend with one of Southwest Airlines’ co-branded credit cards. Depending on your status and which Southwest credit card you’re using, you’ll earn a different amount of points per flight. By also paying for daily purchases with your card, you’ll see those points accumulate pretty quickly.Cardholders can also earn more points as they fly, though the amount varies by which fare is booked:

If you book a ‘Wanna Get Away’ ticket, you’ll earn 6X points per dollar on the base fare
If you book an ‘Anytime’ ticket, you’ll earn 10X points per dollar on the base fare
If you book a ‘Business Select’ ticket, you’ll earn 12X points per dollar on the base fare

Note that the base fare is the price of the ticket alone, without any additional taxes or fees.Another way to earn Rapid Rewards points is by using credit cards that offer transferable points as a perk. Travel rewards cards like the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® let cardholders earn Chase Ultimate Rewards® points, which can be transferred at a 1:1 ratio to Southwest Airlines, one of its travel partners. Should you decide to fly with another airline like British Airways or United Airlines, Ultimate Rewards points can be transferred to their loyalty programs as well.If you believe a Southwest Rapid Rewards credit card is the best solution for your travel needs but aren’t 100% sold on the Performance Business Credit Card, here are some other co-branded cards to consider:PersonalBusinessRedeeming Southwest Rapid Rewards pointsOnce you’ve earned enough points for a free flight, the redemption process is simple. All you need to do is visit the Southwest Airlines website and log into your Rapid Rewards account. You can then begin searching for flights — just remember to click the “points” button rather than “dollars” before you submit.While the most valuable use by far of Rapid Rewards points is cashing them in for free flights, you can also choose to redeem them for car rentals, hotels, gift cards or other merchandise. Because the overall value of your points will be reduced, it’s best to use your hard-earned points for free flights, which offer the biggest bang for your buck.Rates and feesCard comparisonThe Southwest® Rapid Rewards® Performance Business Credit Card is a solid choice for small business owners looking to save on future Southwest flight costs. But is it the best card for you?Select analyzed two other business travel credit cards to see how they match up with the Southwest Performance Business card.Southwest Rapid Rewards® Performance Business Credit Card vs. Delta SkyMiles® Platinum Business American Express CardThe Delta SkyMiles® Platinum Business American Express Card is a fine airline card geared toward small business owners who enjoy flying with Delta. To get you started, the card comes with a lucrative welcome offer, which ends April 13, 2022, letting you earn 100,000 bonus miles after spending $4,000 within the first three months of account opening.The Delta SkyMiles Platinum Business card comes with an array of benefits, including a status boost to help you get closer to Delta elite status, as well as priority boarding, a yearly Companion Certificate, 20% in in-flight savings, a $100 credit toward TSA PreCheck or Global Entry and travel insurance coverage, among other perks, like no foreign transaction fees.As you spend on the card, you’ll earn 3X miles per dollar spent with Delta and directly with hotels, 1.5X miles per dollar spent on purchases over $5,000 (up to 50,000 miles per year) and 1X miles per dollar spent on all other purchases.If you’re trying to decide between the two cards, keep a few factors in mind. First of all, Delta has a much larger flight network featuring many international destinations while Southwest Airlines is primarily a domestic airline, though it does currently fly to 14 destinations in 10 countries outside the U.S. Also, if you know where you’ll be flying most, compare Delta and Southwest flights to those destinations to see which airline has more frequent and direct options from your home airport.Another thing to consider is how often you fly with someone else, as it may be worth going for the Southwest Companion Pass if this is something that happens a lot and you’re looking to continue that trend. Lastly, are you married to luxury benefits such as priority boarding and discounted lounge access when it comes to your flight experience? If the answer is yes, the Delta Platinum Business card may be the better option of the two.Delta SkyMiles® Platinum Business American Express Card On the American Express secure site

RewardsEarn 3X miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels. Earn 1.5X miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. 1X mile on every eligible dollar spent on other purchases.
Welcome bonusLimited Time Offer: Earn 100,000 bonus miles after spending $4,000 in purchases on your new card in your first 3 months of card membership. Offer ends 4/13/2022.
Annual fee
Intro APR
Regular APR15.99% – 24.99% variable on purchases
Balance transfer fee
Foreign transaction fees
Credit needed

Southwest Rapid Rewards® Performance Business Credit Card vs. United Club^SM Business CardThe United Club Business Card is a suitable option for business owners who prefer flying with United Airlines. Once approved, you’ll be able to earn the 100,000- mile welcome bonus after spending $10,000 within the first three months of opening your account.The card offers terrific benefits for United frequent flyers, including access to United Airlines airline lounges, free first and second checked bags, premier access travel services such as priority boarding and check-in, travel insurance and Avis President’s club status, among other perks. There are also no foreign transaction fees to worry about if you’re using your card outside the U.S.When it comes to earning valuable United MileagePlus miles, the spending categories are quite simple — 2X miles per dollar spent on United purchases and 1.5X miles per dollar spent elsewhere.There is one big difference between these two cards: The United Club Business Card carries a hefty $450 annual fee, while the Southwest Performance Business Credit Card’s is just $199. If you’re considering both cards, think hard about which annual fee you’re willing to stomach and be honest about whether or not you’ll be able to use benefits such as airline lounges and priority boarding enough to justify it. Most importantly, before you select a new credit card, make sure your current budget is solid enough to absorb the new expenses.United Club℠ Business CardInformation about the United Club℠ Business Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication.

Rewards2 miles per $1 spent on United purchases and 1.5 miles per $1 spent on all other purchases
Welcome bonus100,000 bonus miles after you make $10,000 in purchases within the first 3 months of account opening
Annual fee
Intro APR
Regular APR16.49% to 23.49% variable
Balance transfer fee
Foreign transaction fees
Credit needed

Who the Southwest Rapid Rewards Performance Business Credit Card is best forThe Southwest® Rapid Rewards® Performance Business Credit Card is a great option for business owners who want to save money on flight costs, have a few perks when flying Southwest and potentially earn the Southwest Companion Pass, which over time would allow them to save even more.The Performance Business Card comes with a handful of helpful travel benefits and is a great fit for frequent flyers focusing on value over luxury. Flying with the budget airline doesn’t mean you’ll be sacrificing quality either, as Southwest is consistently ranked one of the best airlines to fly with in terms of customer service.Bottom lineCatch up on Select’s in-depth coverage of personal finance, tech and tools, wellness and more, and follow us on Facebook, Instagram and Twitter to stay up to date.For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, click here.*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party. .