Category Archives: Credit Scores

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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How to Fix Errors on Your Credit Report

To be successful in the miles & points hobby, there’s nothing as important as good credit.

That’s why it’s important to monitor your credit report for errors that could negatively impact your credit score.

And correct the errors to make sure you have the best possible credit score!

How To Dispute Credit Report

Your Credit Is Your Golden Ticket Around the World!

I’ll show you how to dispute credit report errors, so you can continue to get Big Travel!

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Best of Million Mile Secrets – February 2017

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

1.   The sign-up bonuses of the AMEX Starwood personal and small business cards have never been higher!  You’ll earn a total of 35,000 Starwood points after meeting tiered minimum spending requirements.

Best Of Million Mile Secrets February 2017

You Have Until April 5, 2017, to Apply for the Highest-Ever AMEX Starwood Bonuses

2.   Did you know you can try 7 of the top “premium” credit cards for FREE?

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“Ignore People Who Tell You Not to Earn More Points Than You Plan to Use”

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

Miles & Points Interview:   Windbag Miles

Jordan writes Windbag Miles to talk about strategies on earning points for travel, including the credit cards he likes to use.  You can also follow him on Twitter.

Windbag Miles

Hurricane Ridge in Sunny Port Angeles, Washington

How and when did you start collecting miles and points?

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