Category Archives: Credit Scores

Million Mile Secrets Readers Prefer the AMEX Hilton Surpass – Here’s Why!

The limited-time highest-ever AMEX Hilton card offers are disappearing on May 31, 2017.

So if you’ve been trying to decide whether to apply for the Hilton Honors™ Card from American Express or the Hilton Honors™ Surpass® Card from American Express, I thought I’d let you know what other Million Mile Secrets readers are doing!

Both are good cards.  But the AMEX Hilton Surpass has a $75 annual fee.  However, readers still prefer it over the no annual fee AMEX Hilton Honors card!

American Express Hilton Surpass Compared To American Express Hilton Card

Redeem Your Hilton Points for a Stay at The Reach, A Waldorf Astoria Resort, in Key West

I’ll tell you why!  And remind you what to expect with each of these cards.

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“With Miles & Points, You’re Not Restricted to One Most Memorable Experience”

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

Miles & Points Interview:  Points Fitness

Ricardo writes Points Fitness to help readers earn tons of rewards and great value, and use credit cards to earn miles and see a bit more of the world.  Follow him on Facebook, Twitter, and Instagram!

Points Fitness

We Reached the Clouds in Machu Picchu

How and when did you start collecting miles and points?

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Can Authorized Users Earn the Card’s Sign-Up Bonus in the Future?

Million Mile Secrets reader, Diane, commented:

If I add an authorized user to my Starwood Preferred Guest® Credit Card from American Express, will this impact their ability to get the card and earn the sign-up bonus in the future?

Great question, Diane!

Adding an authorized user is a great way to earn points faster.  Because they can help you meet a card’s minimum spending requirement.

And authorized users can earn a sign-up bonus on the same card if they decide to apply in the future.

For example, if you’ve ever had the AMEX Starwood card as an authorized user, you’re still eligible to sign-up and get a bonus after meeting the spending requirements.

Authorized User Card Sign Up Bonus

Emily Can Add Her Grandma as an Authorized User, Which Won’t Prevent Her From Earning a Sign-Up Bonus on the Same Card in the Future

I’ll explain what to consider when adding an authorized user.  And share the benefits!

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Does the Chase Freedom Earn Cash Back or Points?

Million Mile Secrets reader, Gina, commented:

Is the Chase Freedom a cash back card or a points card?

With the Chase Freedom and Chase Freedom Unlimited cards, you earn Chase Ultimate Rewards points, which can later be redeemed for cash back, gift cards, or travel.

On their own, the points you earn from the Freedom or Freedom Unlimited can only be redeemed for 1 cent each for cash back or towards travel.

But your points are worth much more and give you flexibility when you also have certain Chase Ultimate Rewards cards, like the Chase Sapphire Preferred or Chase Sapphire Reserve.

Chase Freedom Rewards

Combine Points From the Chase Freedom With Another Eligible Chase Ultimate Rewards Card to Book Free Nights at Fantastic Hotels Like the Andaz Maui

I’ll explain how rewards work with the Freedom and Freedom Unlimited cards.

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“The Trick to Travel Is to Treat People Well, and Take a Genuine Interest in Them”

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

Miles & Points Interview:   Brian McAdam

Brian writes Brian McAdam to share his techniques to help readers have more time and money for what matters most to them.  You can connect with him through Facebook, Twitter, or subscribe to his newsletter.

Brian McAdam

A Passing Photographer Just Happened to Catch My Family Standing in a Field Like This

How and when did you start collecting miles and points?

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5 Travel Rewards Cards for College Students

Million Mile Secrets reader, Liz, commented:

After studying abroad last semester, I’ve been bitten by the travel bug.  Although I have a very good credit score, I’m a college student and don’t spend that much, which precludes me from going for cards with sign-up bonuses that require spending $3,000 in the first 90 days.

I would like to get a card to start earning rewards for my purchases and develop a credit history.  But in keeping with the number one rule of paying off my balance each month, there doesn’t seem to be a card out there for me.

Ideally, I’m looking for a travel rewards card that offers a sign-up bonus requiring $1,000 in the first 90 days and has a waived annual fee for the first year, or none at all!  Is there a card that you’d recommend for me?

Welcome to the miles & points hobby, Liz!

I’m so glad to hear Liz is interested in earning rewards for travel.  Miles and points are one of the the best ways to travel cheaply.  They’ve given Emily and I the opportunity to visit amazing destinations around the world!

As a college student, it seems Liz has done her homework about the importance of developing a credit history and not carrying credit card balances!

Credit Cards College Students

There Are Lots of Great Rewards Credit Cards for College Students Looking to Get Started in the Miles & Points Hobby!

The good news is most banks offer credit cards with sign-up bonuses that have relatively small minimum spending requirements.  And these cards tend to waive the annual fee or have none at all.  So they’re great for students on a tight budget!

I’ll share tips for beginners in the miles & points hobby.  And 5 great rewards cards for beginners which have low minimum spending requirements!

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“The Less Frequented Places Are Where You Can Really Experience Culture and Get Out of Your Comfort Zone”

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

Miles & Points Interview:   Johnny Africa

John writes Johnny Africa to inspire readers to travel indefinitely.  You can follow him on Facebook and Instagram, too!

Johnny Africa

My First Use of Points? A Big Trip to the Middle East! This Was Me Amongst the Martian Landscapes of Wadi Rum

How and when did you start collecting miles and points?

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AMEX Hilton Cards Offering Highest Sign-Up Bonuses Ever

If you’ve been waiting to apply for the AMEX Hilton credit cards, your patience has paid off!

Until May 31, 2017, the Hilton Honors™ Card from American Express and the Hilton Honors™ Surpass® Card from American Express have increased sign-up bonuses.  And I’ve never seen a higher bonus on these cards!

You’ll earn 80,000 Hilton points after you make $2,000 in purchases within 3 months of opening the AMEX Hilton Honors card.

And you’ll earn 100,000 Hilton points after you make $3,000 in purchases within the first 3 months of opening the AMEX Hilton Honors Surpass card.

Plus there’s an incredibly valuable new perk on the AMEX Hilton Honors Surpass which could be worth hundreds of dollars!

AMEX Hilton Cards Offering Highest Sign Up Bonuses Ever

You’ll Have Lots of Options to Redeem Your Hilton Points, From Inexpensive Family-Friendly Hotels to Luxury Resorts, Like the Waldorf Astoria Dubai Palm Jumeirah

I’ll share the details.  And give you some ideas for using Hilton points!

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“I Was Extremely Skeptical When I Was Introduced to Miles & Points – But After Some Coaching I Was Hooked”

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

Miles & Points Interview:   Mining for Miles

Mordechai writes Mining for Miles to tell readers about the best uses of miles & points and maximizing their credit card spending.  You can join his active and thoughtful community on Facebook.  And check out his destination pictures (and memes!) on Instagram.

Mining For Miles

London Tower Bridge – Image Copyright Mining for Miles

How and when did you start collecting miles and points?

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“Had I Known of Miles & Points Sooner, I’d Have Saved a Few Grand on My College Trip to the South Pacific”

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

Miles & Points Interview:   Double Duty Daddy

Juan created Double Duty Daddy to share his life as a dad of twins, along with hobbies like travel with points & miles, and food talk.  You can follow him on Facebook, Twitter, and Instagram!

Double Duty Daddy

Third Trip to Paris, Stayed at the Park Hyatt Paris-Vendome

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