Category Archives: No Annual Fee

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

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?

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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A Free Week in Hawaii With Miles & Points Is Easier Than You Think!

Welcome to the next installment of our Reader Success Series where Million Mile Secrets Readers share how they booked a trip with miles & points to get Big Travel with Small Money!

A Free Week In Hawaii With Miles Points Is Easier Than You Think

View from the Top of the Makapuu Lighthouse Hike

Harry is our newest reader success story to show folks it’s possible to travel without spending a lot of money.

A big thank you to Harry for sharing his story!

Please introduce yourself to everyone and tell us how long you’ve been involved in the miles & points hobby.

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Up to $1,000 in Flights With This No Annual Fee Card!

There’s a no-annual-fee credit card with a generous sign-up bonus.  And it’s not getting much attention!

Via Doctor of Credit, the Merrill Lynch Merrill+ Visa is offering a sign-up bonus of 50,000 Merrill points.  That’s worth between $500 and $1,000, depending on how you use them!

Emily and I don’t earn commission on this card, but we’ll always tell you about the best deals we’re aware of!

Up To 1000 In Flights With This No Annual Fee Card

Your Merrill Lynch Points Can Be Worth 2 Cents per Point Towards Airfare, Domestic or International

I’ll tell you about this card, and show you how to maximize its rewards!

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Has Chase Changed The Way They Refund Annual Fees?

Via Doctor of Credit, Chase might have a new policy for reimbursing annual fees when you cancel or downgrade a credit card.

In the past, folks could get a prorated refund up to 6 months after paying a card’s annual fee.  This means if you paid a $100 annual fee, you could cancel or downgrade 6 months later and get $50 back.

But now, you might only have 30 days to cancel or downgrade and get a credit for the annual fee after it is billed.

Chase Annual Fee Reimbursement

There Are Potential Changes to the Chase Annual Fee Reimbursement Policy!

I’ll explain why this change shouldn’t affect most folks!

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How to Stay Free at Your Dream Hotel With These Card Combinations

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

It’s fun to make a travel goal and go for it!  But how about doing it with small money?  Or even free?

Whether you’re planning a yearly vacation or special occasion like a honeymoon, you can stay for free at your dream hotel with certain credit card combinations!

Hotel Rewards Programs

Use Credit Card Bonuses to Book a Free Stay at Your Dream Hotel, Like the Park Hyatt Paris-Vendome!

I’ll explain how you can book a free stay at Hyatt, Marriott, Ritz-Carlton, or Starwood hotels!

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