Category Archives: Credit Cards

“Traveling Gives You New Perspective of Other Lifestyles, and a Greater Appreciation for What You Have Waiting for You at Home”

Welcome to the next installment of our interview series where folks share their thoughts about Big Travel with Small Money!

Miles & Points Interview:   Travelling King

Samantha writes Travelling King to provide tips, suggestions and guides to help readers plan their travels.  You can follow her on Facebook, Twitter, and Instagram!

Travelling King

Ben and Sam at Hobbiton in New Zealand

How and when did you start collecting miles and points?

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Top 10 Easiest Awards to Book in 2017

To get the Biggest Travel with Smallest Money, it’s worth the time and effort to learn award booking tricks.  But it takes practice!

If you’re looking for an easy way to to earn points and book cheap travel, I’ll give you a few ideas!  So even if you’re new to our hobby, you can begin your miles & points journey right away!

Easy Award Flights And Hotels To Book 2017

Here Are Hassle-Free Deals to Help You Accomplish Your Travel Goals!

I’ll share my favorite no-brainer deals that can give you your dream vacation in no time!

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How to Earn Lucrative Sign-Up Bonuses Without Paying Annual Fees Out-of-Pocket

I’ve written why even thrifty folks like me should consider annual fee cards.  Because these cards often come with big sign-up bonuses and great perks that can help you achieve your travel goals!

That said, I understand folks new to our hobby might not be comfortable paying an annual fee expense.  Team members Keith and Scott remember feeling this way when they first started out.  And now they each have 8+ cards with annual fees.  

But there’s a strategy you can use to earn valuable sign-up bonuses on certain annual fee cards without paying the fee out-of-pocket.

Ways To Offset Credit Card Annual Fee

Get Big Travel With Valuable Sign-Up Bonuses on Certain Chase Ultimate Rewards Cards Without Paying an Annual Fee Out of Your Pocket

I’ll explain how you can offset annual fees with certain credit cards!

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Can You Earn a 2nd AMEX Sign-Up Bonus When You Apply for a New Business?

Million Mile Secrets reader, Danielle, commented:

I opened the Starwood Preferred Guest® Business Credit Card from American Express in the past using my Social Security number.  I recently started a new business and have an EIN number.  Can I open another AMEX Starwood small business card using my EIN to earn another sign-up bonus?

Great question, Danielle!

With the AMEX once per card, per lifetime rule, it’s very unlikely you’ll earn the sign-up bonus again by applying with a new Employer Identification Number (EIN).

Because you must also include your Social Security number on a small business credit card application.  So AMEX can see if you’ve earned the sign-up bonus before.

AMEX Business Card Sign Up Bonus

With AMEX Personal or Small Business Cards, You Can NOT Earn a Sign-Up Bonus on the Same Card More Than Once

Instead of applying for the same card, I’ll share other ways to boost your miles & points balances!

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How Do Credit Card Perks Work With Prepaid Hotel Stays?

Million Mile Secrets reader, Jennifer, commented:

What happens if you use the Citi Prestige 4th night free perk for a prepaid hotel stay?  Would anything happen to the reservation if I cancel the card before the stay?

Thanks for the questions, Jennifer!

The 4th night free benefit with the Citi Prestige Card can save you lots of money!  While it’s possible to get a credit for the 4th night before your stay, you usually receive the rebate AFTER your hotel stay.  It doesn’t matter if you prepay at booking.

That said, if you cancel your Citi Prestige card after booking a prepaid or regular hotel stay, nothing will happen to your reservation.

But keep in mind, while prepaid hotel stays might save you a few bucks, you should only book this way if your plans are firm.  Besides typically being non-refundable, you could also lose certain credit card rebates, depending on the card you use.

Prepaid Hotel Stays

Before You Book a Prepaid Hotel Stay at Hotels Like the St. Regis Bali, There Are a Few Things You Should Keep in Mind!

I’ll explain what to consider when booking prepaid hotel stays!

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Do ALL Credit Inquiries Count Toward Chase’s 5/24 Limit?

Million Mile Secrets reader, Ryan, commented:

Does the Chase “5/24 rule” only apply to inquires for credit cards or also other loans as well?  I have 4 credit inquires in the past 24 months, including 1 loan and 3 credit cards.

Also, are there any free reliable tools to count credit inquiries?

Great questions, Ryan!

Only new credit card accounts count toward Chase’s “5/24” limit.  So if you’ve opened 5 or more new credit cards (from any bank) in the past 24 months, you will NOT be approved for most Chase cards.

The exception is certain small business cards, which do NOT appear on your personal credit report.

Additional credit inquiries for loans or declined card applications don’t count toward Chase’s 5/24 limit.  That said, all banks review your credit report.  And too many inquiries could impact your chances of getting approved for new cards.

Do ALL Credit Inquiries Count Toward This Banks Strict Card Limit

Understanding Chase Application Rules Can Help You Earn More Sign-Up Bonuses, Which Is the Fastest Way to Get Big Travel!

Because of the strict Chase application rules, I’ll explain why it’s best to get their cards first.  And remind y’all the easy way to check your 5/24 status.

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Limited Time: Get 15% Points Rebate on Award Flights

Planning a JetBlue award flight between now and July 31, 2017?  This promotion is for you!

You’ll save 15% on award flights when you register for this promotion, book by June 19, 2017, and travel by July 31, 2017.  And certain folks can stack this promotion with other deals to save 25% on award flights!

JetBlue Points Rebate June 2017

Visit Colorful Quito for Fewer JetBlue Points Through July 31, 2017

Here’s what you need to know about this deal!

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“Earning a Decent Amount of Points Is Easy. Extracting the Best Value Is the Hard Part”

Welcome to the next installment of our interview series where folks share their thoughts about Big Travel with Small Money!

Miles & Points Interview:   My Travel Tools

Ben writes My Travel Tools to showcase his personal travels and assist fellow travelers with tips, tricks, and tools for traveling the world efficiently and cheaply.  You can follow him on Facebook, Twitter, and Instagram!

My Travel Tools

This Is the View From the Coastal Trail in Cinque Terre. We Hiked the Whole Trail in a Day! This Was Just One Stop on Our Almost Month-Long Honeymoon

How and when did you start collecting miles and points?

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Review: Capital One Spark Miles Vs. Capital One Spark Miles Select

If you’re a fan of Capital One Venture cards, you’ll probably like Capital One Spark Miles cards, too!

Capital One Spark Miles cards earn flexible miles that you can use on nearly any travel purchase, like flights, hotels, rental cars, and Lyft.

The Capital One® Spark® Miles Select for Business comes with 20,000 Spark miles (worth $200 in travel) after spending $3,000 on purchases within the first 3 months.  And the Capital One® Spark® Miles for Business card offers 50,000 Spark miles (worth $500 in travel) after spending $4,500 on purchases within the first 3 months.

Capital One Spark Miles Card Review

Use Capital One Spark Miles for a Free Tour of the Eiffel Tower

Here’s what you need to know about these cards!

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New AMEX Offer: Discounted Luxury Hotel Stays!

Via Points, Miles & Martinis, there’s a new useful AMEX Offer available for folks with an upcoming stay at JW Marriott!

AMEX Offers are an easy way to save money.  To take advantage of these deals, just add the offers to your AMEX card.  Then you’ll earn a statement credit when you make a qualifying purchase.

JW Marriott AMEX Offer

Stay at the JW Marriott Chicago for Less With This AMEX Offer

AMEX Offers are targeted, so sign-in to your American Express online account to see if you qualify for this deal.

Here are the details!

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