Category Archives: No Annual Fee

Can You Earn More Than One Sign-Up Bonus With the Same AMEX Business Card?

A Million Mile Secrets reader emailed:

I was recently approved for a 2nd Starwood Preferred Guest® Business Credit Card from American Express.  My 1st card is for a different business.  Am I eligible to earn the sign-up bonus twice?

It’s possible, but very unlikely you’ll earn multiple sign-up bonuses with the same AMEX small business card.  Even if you apply using separate Employer Identification Numbers (EINs).

The general rule is AMEX restricts personal and small business card sign-up bonuses to once, per person, per lifetime.

And I spoke with an AMEX representative who confirmed sign-up bonuses are intended for new applicants only.

Multiple AMEX Starwood Card Sign Up Bonuses

Before Applying for the Same AMEX Small Business Card Again, Consider It’s Unlikely You’ll Get the Sign-Up Bonus Twice!

Instead of potentially not getting a sign-up bonus with the same AMEX card, I’ll share other ways to increase your points balances!

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Avoid Duplicate Card Perks and 2 Annual Fees by Downgrading This Chase Card

Million Mile Secrets reader, John, commented:

I recently got the Chase Sapphire Reserve card because of the sign-up bonus and 3X bonus on dining.  Plus, I’ll use the $300 annual travel credit without a problem.  Is there any reason to hold on to the Chase Sapphire Preferred?

Great question, John!  And thank you for being a continued reader of our blog!

There’s no reason to keep both cards.  Because the Sapphire Reserve has all of the same benefits as the Sapphire Preferred, and then some.

So you can downgrade your Sapphire Preferred card to a no annual fee Chase card and avoid having duplicate benefits.  And you can save money on the annual fee.

Sapphire Preferred Vs Sapphire Reserve

If You Recently Got the Sapphire Reserve, You Can Downgrade the Sapphire Preferred to Avoid Duplicate Benefits and 2 Annual Fees

I’ll compare both cards.  And explain what I recently did in this situation!

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Best of Million Mile Secrets – January 2017

1.   Earning the Southwest Companion Pass is easier now that the Chase Southwest Business Premier bonus has increased to 60,000 Southwest points!

Best Of Million Mile Secrets January 2017

Bring a Friend to the Bahamas, Mexico, or Costa Rica for (Nearly) Free With the Southwest Companion Pass!

2.   Did you know you can now use fewer miles for short flights with Alaska Airlines’ new award chart?

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Military Folks Save $450 Fee With AMEX Business Platinum & Other Cards

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

Did you there’s a way some folks can enjoy the awesome travel benefits of The Business Platinum® Card from American Express OPEN without paying the expensive annual fee?

If you are an active member of the military, American Express (and other banks, too!) will waive credit card fees for your credit cards.  Including annual fees!

SCRA

Military Members Get Well-Deserved Special Treatment from AMEX!

I’ll show you how military personnel can avoid these high annual fees.  And still enjoy awesome travel perks!

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When Can You Transfer the Freedom Unlimited Sign-Up Bonus to Chase Travel Partners?

Million Mile Secrets reader, Prabha, sent an question via email:

With the Chase Freedom Unlimited card, when can I transfer the sign-up bonus of 15,000 Chase Ultimate Rewards points to airline partners like United Airlines instead of redeeming for $150 cash back?

Great question, Prabha!

Earning transferable points like Chase Ultimate Rewards points is the trick to travel flexibility!  And often times, you can get more value for your points by transferring to airline and hotel partners instead of redeeming for cash back.

But to transfer Chase points to travel partners from no annual fee cards like the Freedom or Freedom Unlimited, you’ll need to have another eligible Chase card, like the Chase Sapphire Preferred.

Otherwise, the points you earn with the Freedom Unlimited can only be redeemed for 1 cent each for cash back or towards travel.

Transferable Chase Ultimate Rewards Points

The Sign-Up Bonus With the Freedom Unlimited Can Be Worth More When You Have a 2nd Chase Ultimate Rewards Card! For Example, You Can Get a Free Night at the Hyatt Centric Santa Barbara Hotel, Which Can Cost $200+!

I’ll explain when Chase Ultimate Rewards points can be transferred to airline and hotels partners for Big Travel!

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New No-Annual-Fee Card With 5% Back at Amazon

Chase has released a few new cards in the past several months.  And they don’t seem to be slowing down!

Via Reddit, Chase has released a new credit card, the Amazon Prime Rewards Visa.  This card will give you 5% back for Amazon purchases, 2% back at restaurants, gas stations, and drugstores, and 1% back on everything else.

But you MUST have an Amazon Prime account to earn 5% back at Amazon!

We don’t earn a commission for the Chase Amazon Prime card, but we’ll always tell you about the best deals!

New No Annual Fee Card With 5 Back At Amazon

Amazon Prime Members Can Earn 5% Back on Amazon Purchases With This New Card

I’ll give you the details of this new card!

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5 Excellent No Annual Fee Cash Back Cards

Million Mile Secrets reader, Lindsay, tweeted:

I have a Chase Sapphire Preferred card, but would like to get a new card to earn cash back.  Do you have any recommendations?

Many folks like to pair their miles and points rewards cards with a cash back alternative.  Because it’s easy to redeem cash back rewards.  And it’s always nice to have a little extra cash in hand.

Although miles and points can be worth more depending on the award, the benefit of cash back rewards is they won’t fluctuate in value.  So you’ll always know what you’re earning!

5 Excellent No Annual Fee Cash Back Cards

Miles & Points Credit Cards Are the Best Option for Folks Who Want Big Travel With Small Money. But There’s Room in Your Wallet for Cash Back Cards Too!

I’ll share 5 picks for folks looking to get a cash back card.

Emily and I don’t earn a commission for any of these cards, but we’re committed to always sharing the best deals with you!

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Top 7 Travel Cards for January 2017

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

If one of your New Year’s resolutions is to travel more, you’ll be happy to know there are some exciting sign-up offers in the miles & points world!

Certain credit cards are offering great sign-up bonuses and perks including airline credits, airport lounge access, and more.  And a few of them can be worth $1,000 or more! 

Top 7 Travel Cards For January 2017

Picture Yourself In a Hammock on the Beach In the Maldives! With Credit Card Sign-Up Bonuses, This Could Be You!

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

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How Does a Chase Product Change Impact Earning Future Sign-Up Bonuses?

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, Mike, commented:

I recently got the Chase Sapphire Reserve and will product change my existing Chase Sapphire Preferred card to the Chase Freedom or Freedom Unlimited.  Will I be eligible to open a new Sapphire Preferred card in 24 months and earn a sign-up bonus at that time?

Excellent question!

I understand why Mike wants to product change his Sapphire Preferred to a no annual fee Chase card after getting the Sapphire Reserve.  He’ll save money on the Sapphire Preferred’s $95 annual fee while getting better perks with the Sapphire Reserve!

The good news is after you convert the Sapphire Preferred, Chase no longer considers you a cardholder.

This means Mike WILL be eligible to earn a sign-up bonus on Sapphire Preferred card in the future.  But there are certain rules to know.

Chase Product Change Future Sign Up Bonuses

Earning Future Chase Ultimate Rewards Point Sign-Up Bonuses Is Important, So You Can Get Big Travel With Chase Travel Partners Like Hyatt!

I’ll explains Chase product changes to help folks earn the most sign-up bonuses in the future!

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How to Keep an Excellent Credit Score While Applying for Lots of Credit Cards

Million Mile Secrets reader, Brittany, tweeted:

Can you do a post on maintaining a credit score of 750+ while applying for lots of cards?  I can’t find a recent one.

Did you know applying for lots of credit cards can actually improve your credit score?

If you aren’t familiar with how your credit score works, credit cards can seem scary.  Because the way you handle your credit cards can greatly impact your credit score.

But if you understand the factors of your credit score, you’ll see it’s less impacted by the number of cards you have.  And has more to do with how you use them.

How To Keep An Excellent Credit Score While Applying For Lots Of Credit Cards

Don’t Let Applying for Multiple Credit Cards Keep You Away From Getting Big Travel With Small Money!

I’ll show you why applying for lots of credit cards is NOT always bad for your credit score.  And how they can even enhance it!

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