Category Archives: Big Spenders

How to Meet Minimum Spending Requirements Paying Taxes

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

It’s tax time again!  April 18, 2017, is the IRS filing deadline this year.

While it’s nice to get a refund, if you owe taxes, you can ease the pain of paying your tax bill by meeting the minimum spending requirements on a new credit card.  Or hitting a spending threshold to unlock bonus miles, points, or elite status!

Just remember, you’ll usually pay a processing fee of ~2%, so do the math to see whether it’s worth it.

Pay Taxes With Credit Card

It Might Be Worth Paying Your Taxes With a Credit Card to Get Big Travel With Small Money When You Unlock Elite Status Levels or Big Sign-Up Bonuses

I’ll show you how to pay your taxes with a credit card.  And help you decide if it makes sense for you!

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Better Travel Portal for Business Class Airfare: Business Platinum or Sapphire Reserve?

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

Million Mile Secrets reader, Gail, commented:

Which gets you better value when booking airfare in Business Class or First Class: using the Pay With Points perk with The Business Platinum® Card from American Express OPEN or using the Chase travel portal with the Chase Sapphire Reserve?

Excellent question, Gail!

On the surface, folks with the AMEX Business Platinum card get more value per point when redeeming AMEX Membership Rewards points for Business Class or First Class airfare.  Because using the Pay With Points perk, you effectively get 2 cents per point.

But it’s easier to earn points with the Chase Sapphire Reserve because of the card’s fantastic 3X bonus on travel and dining purchases.  Plus, you get 1.5 cents per point through the Chase travel portal, which is still good deal!

You’ll also use fewer Chase Ultimate Rewards points at the time of booking, compared to redeeming AMEX Membership Rewards points for the same flight!

Business Class Airfare With AMEX Or Chase Points

You Can Book Lie-Flat United Airlines Business Class Seats Using Points From the AMEX Business Platinum or Chase Sapphire Reserve

I’ll compare the pros and cons of redeeming points through bank travel portals for Business Class airfare!

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Now Open to New Applicants: Earn 40,000 Miles With Barclaycard AAdvantage Aviator Red

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

Looking for more ways to earn American Airlines miles?

Via View From the Wing, you can now apply for the Barclaycard AAdvantage Aviator Red card!  You’ll earn 40,000 American Airlines miles after your first purchase and payment of the $95 annual fee.  And you’ll earn an extra 500 American Airlines miles if you apply in-flight!

This card was previously only available to folks who converted their old Barclaycard US Airways credit card during the US Airways – American Airlines merger.

We don’t earn a commission from these cards, but Emily and I will always point you to the best deals.

Now Open To New Applicants Earn 40000 Miles With Barclaycard AAdvantage Aviator Red

40,000 American Airlines Miles Is Enough for a Round-Trip Coach Flight From the US to Peru!

I’ll help you decide if you should apply!

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Can You Upgrade a Chase Card to Ink Business Preferred?

The new Chase Ink Business Preferred card has fantastic perks like 3X points for travel purchases and up to $600 of cell phone protection insurance.

Because of Chase’s tougher application rules, most folks who have opened more than 5 cards in the past 24 months will likely not be approved for the Ink Business Preferred.

Instead, you can consider a product change.  This way, you’ll get the ongoing perks of the card.  But you will NOT earn 80,000 point sign-up bonus.

Depending on your spending habits, it might make sense to change to Chase Ink Business Preferred.  I’ll explain!

Upgrade To Chase Ink Business Preferred

Folks Who Spend a Lot on Travel Purchases Can Earn 3X Chase Ultimate Rewards Points by Upgrading an Eligible Card to the Ink Business Preferred

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How to Use Plastiq to Pay Bills That Don’t Accept Cards

Did you know you can use your credit card to pay most of your bills, including your mortgage, rent, or car payment, even if they don’t accept credit cards?

Plastiq will send a check to the business you want to pay for a 2.5% fee.  You can even pay an individual!

Plastiq Review

You Can Use Plastiq to Pay Many Types of Businesses With Credit Cards – Even If They Don’t Accept Them as Payment!

However, it’s not always worth it because of the fee.  I’ll help you decide when it could make sense for you!

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Hotel Cards With the Most Valuable Free Nights on Your Card Anniversary

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

There are many cards that offer a fantastic sign-up bonus.  But some cards offer a great benefit that makes them worth keeping long-term:  free hotel nights on your card anniversary.

You’ll typically earn the free night after your account has been open for a year, so you’ll have to pay the card’s annual fee to get the benefit.

But these cards usually make the annual fee worthwhile because you can more than make up for the fee with the free card anniversary night.

Hotel Cards With The Most Valuable Free Nights On Your Card Anniversary

It’s Worth Paying the Annual Fee on Certain Cards Because You Get a Free Night Potentially Worth Much More on Your Card Anniversary

I’ll share my favorite hotel cards that offer free anniversary nights or bonus nights for big spending!

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How to Meet Minimum Spending Requirements by Paying Your Taxes

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

It’s almost tax time again!  April 18, 2016, is the IRS filing deadline this year.

While most of us hope for a refund, you can take the sting out of owing taxes by meeting the minimum spending requirements on your new credit cards.  Or hit a spending threshold to unlock bonus miles, points, or elite status!

How To Meet Minimum Spending Requirements By Paying Your Taxes

It Might Be Worth It to Get Big Travel With Small Money When You Unlock Elite Status Levels or Big Sign-Up Bonuses by Paying Your Taxes With a Credit Card

But because you’ll pay processing fees of 1.87% to ~2.25%, it’s generally NOT worth it except under specific circumstances.

I’ll show you how to pay your taxes with a credit card.  And when it might make sense for you!

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Use Your Starwood Points for Unforgettable Experiences With SPG Moments

UPDATE: The Starwood American Express credit card offers in this post are no longer available, but check Hot Deals for the latest offers!

You can use your Starwood points for concert tickets, theater performances, sporting events, and more – some of which are 1-of-a-kind and can’t be bought anywhere else!  

And even better, they’re usually a great deal for your hard-earned points!

SPG Moments lets you redeem Starwood points for a wide range of unique experiences.

Use Your Starwood Points For Unforgettable Experiences With SPG Moments

Use Your Starwood Points for SPG Moments Like Concerts, Live Theatre, and Exciting Sports Events!

I’ll show you how it works!

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The Best Credit Cards to Use With American Express Bluebird

There are many different debit and credit cards which you can use with American Express Bluebird, so let’s take a look at a few different options.  We’ll look at credit cards today and debit cards tomorrow.

After all, you don’t want to buy thousands of dollars worth of Vanilla Reload packs from CVS, Walgreen’s or other locations. with just a single credit card.

American Express Bluebird Credit Card

Which Cards to Use With American Express Bluebird?

Using different cards will help reduce the potential of attracting attention with Chase since you are spreading your purchases among different cards. Continue reading

Big Spenders: Transferable Points Cards

Update: The offers for The Business Gold Rewards Card from American Express OPEN, Premier Rewards Gold Card from American Express in this post are no longer available, but check the Hot Deals for the latest offers!

As a reminder, in the Big Spender series of posts, I will NOT list cards which give you extra points for spending in certain categories (e.g. gas, groceries etc.), but will cover that in a future post.  This series focuses primarily on regular spending with credit cards for Big Spenders

Big Spender Series:

Transferable Point Cards

These cards are the best cards to spend large amounts of money on if you don’t really care about earning airline elite status, cash back, companion passes, etc. via credit card spending and want to fly in First or Business class and stay in nicer hotels.

Earning points which can be transferred to airline or hotels (hence the name transferable points) are valuable because they give you more options when it comes time to redeem your points.

However, besides the American Express Premier Rewards Gold card & the J.P. Morgan Select card, none of the transferable point cards offer extra miles for spending a certain large amount on the card.  The old Chase Ink Bold offered spending threshold bonuses, but the current version does not. Continue reading