Category Archives: Business Credit Cards

What’s the Difference Between US Bank FlexPoints and Altitude Points?

A Million Mile Secrets reader emailed:

How do the US Bank travel credit cards work?  Can I redeem points for a statement credit or only toward travel purchases?

This is a great question!

US Bank has 2 different kinds of points – FlexPoints and Altitude points.  You can redeem both types of points for travel, statement credits, or gift cards.  But you’ll get the most value using your points toward travel.

For example, you can earn 50,000 points with the new US Bank Altitude Reserve Visa Infinite® Card after meeting minimum spending requirements.  The sign-up bonus is worth $750 toward travel.  But you would only get $500 if you redeemed the points for a statement credit.

US Bank Points

You’ll Get the Most Value for Your US Bank FlexPoints or Altitude Points By Booking Travel, Like Rental Cars

I’ll compare US Bank FlexPoints and Altitude points.  And show an example of how many points you’ll use for a flight.

Emily and I don’t earn a commission for the US Bank Altitude Reserve card, but we’ll always share the best deals with our readers!

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How You Earn Flexible Bank Points With Several Cards in the Same Program

Million Mile Secrets reader, Amy, commented:

Is American Express Membership Rewards similar to Chase Ultimate Rewards where you earn points on each card individually?  Or are AMEX Membership Rewards points pooled into one account automatically?

Fantastic question, Amy!

When you have multiple cards that earn AMEX Membership Rewards points, all of your rewards will automatically accumulate in one account.

This is different from other flexible bank points programs like Chase Ultimate Rewards and Citi ThankYou where you earn points in separate accounts.

But with all 3 programs, it’s important to keep at least 1 card active to avoid losing all your flexible points.

Multiple Flexible Points Credit Cards

Flexible Points Are Key to Big Travel! So It’s Good to Know How You Earn Points With Several Cards in the 3 Major Flexible Points Programs.

I’ll explain how folks with multiple cards in the same program earn flexible points with AMEX, Chase, and Citi!

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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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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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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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Tips & Tricks to Save on a Trip to New York City This Summer

I’ll share how you can get Big Travel with Small Money on a trip to the Big Apple, including tips from Million Mile Secrets readers!

Free Things To Do In NYC

Using Miles & Points Can Save You Lots of Money on a Trip to New York City! And There Are Many Free Things to Do Once There for Folks Traveling on a Budget!

Using miles & points can save you money on flights and hotel stays.  And there are plenty of cheap or free things to do throughout the city, like exploring beautiful parks or attending the taping of popular TV shows!

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When Does the Clock Start for Earning Southwest Companion Pass?

Million Mile Secrets reader, Annie, commented:

I understand I must earn 110,000 Southwest points in one year to earn the Companion Pass.  So if I start earning points in April 2017, do I have until April 2018 or December 2017 to earn the required points?

Great question, Annie.

To get the Companion Pass, you must earn 110,000 Southwest points in a calendar year.  So you have from January to December.

And the Companion Pass is valid through the last day in the following year in which it’s earned.  So if you earn the Companion Pass now, it’s good through December 31, 2018.

That’s why I typically recommend folks earn the Companion Pass as early in the year as possible.  Because you can take advantage of the BEST deal in travel for nearly two full years!

Southwest Companion Pass Timing

Emily and I Think the Companion Pass Is the Best Deal in Travel!

I’ll remind y’all how you can earn the Companion Pass!

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20,000 AMEX Points With a New Card That Won’t Show on Your Personal Credit Report!

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, Chanda, commented:

Can you get the The Blue Business℠ Plus Credit Card from American Express and earn the 20,000 point sign-up bonus if you already have the AMEX Blue for Business card?

Yes!  The no annual fee AMEX Blue Business Plus is considered a different card product from the old AMEX Blue for Business card (no longer available).

So you can earn 20,000 AMEX Membership Rewards points after meeting minimum spending requirements with the new card!

And AMEX small business cards do NOT show up on your personal credit report.  This means they won’t count against Chase’s card limit.

AMEX Blue Business Plus Approval

Earn 20,000 AMEX Membership Rewards Points With the AMEX Blue Business Plus, Which Is Enough for a Round-Trip Delta Award Flight From Los Angeles to Seattle!

I’ll share why the AMEX Blue Business Plus offer might appeal to folks looking to boost their AMEX points balance!

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7 Best Credit Cards to Help Achieve Your Travel Goals – June 2017

It’s an exciting time for folks in the miles & points hobby!  Because there are excellent sign-up bonuses and ongoing perks available on lots of travel credit cards.

Choosing the right card can make it easier for you to achieve your travel goals, like a round-trip Business Class flight to Tokyo!

Best Travel Credit Cards June 2017

Emily and I Love to Take Advantage of Lucrative Credit Card Sign-Up Bonuses to Help Us Get Big Travel With Small Money!

I’ll share my top 7 travel credit cards that get you Big Travel with Small Money.

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