Category Archives: No Annual Fee

Keep Points Flexibility After Downgrading This Chase Travel Card

Million Mile Secrets reader, Harold, commented:

If I downgrade my Chase Sapphire Preferred to the Chase Freedom Unlimited, can I still transfer Chase Ultimate Rewards points from the Freedom Unlimited to the Chase Sapphire Reserve?

Absolutely!

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

But when you pair it with another eligible Chase Ultimate Rewards card like the Sapphire Reserve, you’ll have the flexibility to combine points and transfer them to terrific airline and hotel partners.

With a downgrade, you’ll also avoid duplicate benefits and save on annual fees.  That’s why after getting the Sapphire Reserve, I downgraded the Sapphire Preferred to the no annual fee Freedom Unlimited.

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Best Cards to Use at Sam’s Club in 2017

Folks who shop at Sam’s Club can choose from several terrific credit cards to earn miles or cash back on purchases.

Some cards include warehouse clubs, like Sam’s Club, as a bonus category.  So it’s possible to earn bonus cash back on purchases you were already planning!

Best Credit Cards To Use At Sams Club

You Can Earn Lots of Miles or Cash Back at Sam’s Club With Certain Credit Cards

I’ll share the best credit cards to use at Sam’s Club, including several with no annual fee.

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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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Increased Offer: 40,000 Hotel Points (Up to 5 Free Nights)

Folks who travel with large families should appreciate this deal!

Via Danny the Deal Guru, you’ll earn 40,000 Choice points when you sign-up for the Barclaycard Choice Privileges card by May 31, 2017.  That’s the highest offer I’ve seen for this card!

We don’t earn a commission for the Barclaycard Choice Privileges card, but we’ll always share the best offers with you!

Increased Offer 40000 Hotel Points Up To 5 Free Nights

You Can Use Choice Points at 5-Star Preferred Hotels, Too!

I’ll tell you about this new offer.  And let you know why this is NOT a good card for folks just beginning in miles & points.

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5 Cards to Earn Miles for Etihad Award Flights

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, Ebene, commented:

Can you transfer United Airlines miles to Etihad?  What are the best cards to earn miles to fly Etihad?

You can NOT transfer airline miles to another airline.

For Etihad award flights, you can transfer points directly to the airline from 3 flexible programs – American Express Membership Rewards, Citi ThankYou, and Starwood Preferred Guest.  You can also use American Airlines miles or ANA miles to fly Etihad.

Etihad miles are also valuable for folks looking to book award seats on any of its 26 airline partners.  For example, using Etihad miles for a Brussels Airlines award flight is one of the cheapest ways to get to Europe!

Etihad Award Flights

Use Etihad Miles for Award Flights to Abu Dhabi Where You Can Visit the Magnificent Sheikh Zayed Grand Mosque

I’ll share 5 cards that can earn you miles for Etihad award flights.

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“If It Seems Like a Good Deal, Jump On It. If You Wait to See If It Worked for Others, It Will Expire”

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

Miles & Points Interview:   Discounts & Deals 4 Military

Bobby started Discounts & Deals 4 Military to highlight discounts and easy ways to save money that is unique to military members.  You can also find him on Facebook!

Discounts Deals 4 Military

Trip Back Home to Oregon

How and when did you start collecting miles and points?

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New! No-Annual-Fee Card Earns Up to 3% Cash Back

Via Reddit, there’s a new card that earns 3% on dining, 2% on groceries, and 1% on everything else.

With the Capital One® Premier Dining Rewards Credit Card, you’ll earn a sign-up bonus of $100 when you spend $500 on purchases within the first 3 months of account opening.

That’s not bad for a card with no annual fee.  But it’s NOT a good card for folks just getting into the miles & points hobby!

Capital One Dining Rewards

You’ll Get the Most Cash Back When You Use Your Card for Dining. But There Are Other Cards With Even Better Returns

I’ll tell you what you need to know about this card.  And help you decide if it’s worth it for you!

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Best Cards to Use at Amazon in 2017

If you prefer online shopping like I do, you likely make lots of purchases at Amazon.

If so, there are many excellent credit cards to use, which earn miles toward travel or cash back.

And some cards have bonus perks, like Citi Price Rewind, which refunds your money when prices go down on certain items you’ve bought!

Best Credit Cards To Use At Amazon

Mazzy and Emily Don’t Want You to Miss Earning Extra Miles or Cash Back When You Shop at Amazon

I’ll share 6 of the best credit cards to use at Amazon!

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What Are the Best Current Credit Card Deals?

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, Bansi, emailed:

Which credit cards currently have the best deals?  We are making a few large purchases for our home.

There are several cards offering terrific sign-up bonuses, including a few best-ever offers that are only available for a limited time.

Top Travel Card Sign Up Bonuses

One of the Top Credit Card Deals Is the Best-Ever Offer for the AMEX Starwood Card!  But It’s Only Available for a Limited Time!

I’ll share top travel cards with excellent sign-up bonuses!

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Top 7 Credit Cards to Get Big Travel With Small Money – March 2017

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

The end of winter is right around the corner!  So it’s the perfect time to start planning your spring getaway.

Lots of credit cards come with great sign-up bonuses and travel benefits, including travel creditsairport lounge access, and Global Entry reimbursements.  Some can save you thousands of dollars on your upcoming travel!

Best Travel Credit Cards March 2017

Use Miles & Points to Visit the Stunning Beaches of Durban, South Africa, Like I Did!

Here are my picks for the best travel credit cards March 2017.

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