Southwest Airlines Rapid Rewards® Premier Credit Card Review

The Southwest Airlines Rapid Rewards® Premier Credit Card offers 50,000 bonus points to new cardmembers who spend $2,000 within 3 months of opening an account. It also offers up to 2 points per dollar spent.

Rewarding loyalty, this card gives you 2 points per dollar spent on Southwest Airlines Purchases and participating Hotel and Car Rentals. Giving you 6,000 points after your Cardmember Anniversary and 1 point per dollar on all other purchases the Southwest Airlines Rapid Rewards<sup>®</sup> Premier Credit Card offers its user the ability to earn many points to put toward flights with Southwest Airlines.

Southwest Airlines Rapid Rewards® Premier Card Snapshot

  • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open
  • Named 2015 Freddie Award Winner for Best Loyalty Credit Card
  • NEW – Chip-enabled cards with 24/7 fraud monitoring
  • Points Don’t Expire, No Blackout Dates, Bags Fly Free
  • 2 points/$1 spent on Southwest Airlines purchases and participating Hotel and Car Rental partners
  • 1 point/$1 spent on all other purchases
  • 6,000 points after your Cardmember Anniversary

Rewards Program

Earning Rapid Rewards Points

The Southwest Airlines Rapid Rewards® Premier Credit Card benefits from a simple yet rich rewards program.

Bonus Points: Earn 50,000 points after you spend $2,000 on purchases in your first 3 months of opening an account. You also receive 6,000 bonus points after your cardmember anniversary.

2x Points: Earn 2 points for every dollar you spend on Southwest Airlines purchases and purchases at participating Hotel and Car Rental partners.

1x Points: Earn 1 point for every 1 dollar you spend on all other purchases.

Using Rapid Rewards Points

The most frequent use of Rapid Rewards Points is for free airfare on Southwest. Unlike some other airlines, there is no set number of points needed for travel. Instead, the number of points require for a free airline ticket depends on “destination, time, day of travel, demand, fare class, point redemption rate, and other factors and is subject to change,” according to Southwest Airlines.

To give you an idea of the value of the points, here are the redemption values on several flights (keep in mind that these can change daily):

From to Estimated Points
Dallas Los Angeles 22,074
New York City Los Angeles 29,250
New York City Chicago 19,890
New York City Chicago 19,890

You can also use points for rental cars, hotels, gift cards and other rewards. Here the points are typically worth 1 cent (e.g., $100 Best Western travel card costs 10,000 points).

Other Perks

The Southwest Airlines Rapid Rewards® Premier Credit Card offers several additional benefits:

  • No Foreign Transaction Fees: No foreign transaction fees on purchases made abroad
  • No blackout dates or seat restrictions: Now you never have to worry about pesky blackout dates or seat restrictions when you redeem your rewards points
  • Bags Fly Free: Now your first and second checked bags fly free. Weight and size limits apply
  • No Change Fees: When you have to change your flight, some airlines charge up to $150 on top of paying a difference in fare. Unlike competitors,Southwest Airlines understand unexpected events may happen and don’t charge you a fee for changing

What we like about the Southwest Airlines Rapid Rewards® Premier Credit Card

  • Earn 50,000 bonus points for new customers after spending $2,000 on purchases within 3 months
  • Earn 2 points/$1 spent on Southwest Airlines purchases and participating Hotel and Car Rental partners
  • Points never expire, no blackout dates, no seat restrictions
  • No rewards cap

What could be better

  • $99 Annual Fee
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

Summary

  • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open
  • Named 2015 Freddie Award Winner for Best Loyalty Credit Card
  • NEW – Chip-enabled cards with 24/7 fraud monitoring
  • Points Don’t Expire, No Blackout Dates, Bags Fly Free
  • 2 points/$1 spent on Southwest Airlines purchases and participating Hotel and Car Rental partners
  • 1 point/$1 spent on all other purchases
  • 6,000 points after your Cardmember Anniversary
  • Regular Purchase APR: 15.99% Variable
  • Penalty APR: None
  • Annual Fee: $99
  • Late Payment Fee: $15, $27, or $37
  • Foreign Transaction Fee: None
  • Ideal for those looking for a card that provides Southwest Airlines points on all purchases
  • Ideal if for using Southwest Airlines and its travel partners frequently
  • Great for those traveling internationally with no foreign transaction fees
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

More Details: Southwest Airlines Rapid Rewards® Premier Credit Card


How to Value Your Miles and Points With the CPP Formula

A common question I see when discussing rewards cards from various issuers is how to compare the different rewards redemptions available.  For example, which is more valuable: 50,000 Chase Ultimate Rewards points, or 50,000 Starwood Preferred Guest points?

The answer in many cases is, unfortunately, “it depends”.  Let’s walk through some quick back-of-the-napkin calculations that you can do to determine the value of your points or the value of your redemptions.

Defining the CPP Metric

The easiest way to value points redemptions is to look at the cash value, or “cents per point” metric.  If you’re able to purchase a $50 gift card for 5,000 points, that gives you a CPP of $0.01 or 1¢ per point.  It’s a very simple calculation: simply take the dollar value of your redemption, turn it into cents (shift the decimal), and divide by the number of points you used for redemption.  Some examples:

  • $250 night hotel stay for 12,500 points: 2 CPP ($250 / 12,500 * 100)
  • $450 flight for 15,000 points: 3 CPP ($450 / 15,00 *100)
  • $100 Bluetooth speaker for 10,000 points: 1 CPP ($100 /10,000 * 100)

Naturally, you want to be looking at rewards that maximize your CPP, so we’ll examine some below.  First, though, a note on “points” vs. “miles”: Many airline cards use “miles” as their metric instead of points.  Treat them as equals; they use the word “miles” because it has marketing value for them and can be immediately and subconsciously associated with flying, but miles and points are one and the same.

The Bad Redemptions

You can go ahead and scratch off certain categories or redemptions as an effective usage of your points.  Redeeming for cash back, gift cards, or merchandise are all generally a terrible usage of points.  In most of these scenarios, you will be redeeming points at 1 CPP at the most.  If you’re in desperate need of one particular item, or have a rare need for a gift card or statement credit, by all means use your points.  But if you’re finding yourself doing that regularly, you’d be better served switching to a cash back credit card instead of a rewards card.

Travel Redemptions

In general, redeeming your points and miles for travel rewards will provide you the best return.  For example, an American Airlines round-trip flight from Richmond, VA to New York City would cost around $500.  Using AA miles, it comes out to 15,000 points with $86.20 in fees.  It’s important to factor in those fees when counting CPP, so here’s how:

(Travel value – reward fees) / points

It’s very similar to the original formula, but discounts the associated fees to reflect the pure value of the points you’re using.  In our American Airlines example, we’re still coming out at 2.75 CPP, which is a pretty reasonable return for your miles.

Your points can actually become more valuable when looking at business or first-class redemptions.  A round-trip first-class flight from NYC to London could cost you over $9,000.  Using American Airlines miles again, you’d be looking at around a $1,100 outlay in fees and 170,000 miles.  That works out to around 4.6 CPP, nearly doubling what you’d get from an economy redemption.

Related: Read our Review of the Citi®/ AAdvantage® Platinum Select® MasterCard®

The First Class Trade-off

Redeeming for more luxurious flights can be really enjoyable, especially for longer trips.  I know I wish I’d flown first-class when I traveled a couple of years ago from DC to Seoul, South Korea.  You should consider, however, the trade-off in quantity.  For the price of a first-class flight, you could usually redeem at least 2 (and usually 3!) economy or saver flights.  While the economy flights may not be as great of a value for your points, you’ll stretch your miles further and be able to travel more by going economy.

Taking it Further

In future articles, I’ll explore the value of cash back cards, and compare rewards points from different issuers.  The rewards landscape is competitive, but some types of points, for example Starwood Preferred Guest points, are widely considered to be more valuable than others.  We’ll take a closer look at which points are best to accrue and how to redeem them for maximum value.  Stay tuned!


Starwood Preferred Guest® Credit Card — 25,000 Bonus Starpoints

The Starwood Preferred Guest program, or SPG for short, is one of the most rewarding travel programs available. From free stays at 5-star hotels to free air travel on almost any airline with no black out dates, Starwood Preferred has become synonymous with first class travel. And with the Starwood Preferred Guest® Credit Card from American Express, it’s easy to earn Starpoints quickly.

Starwood Preferred American Express

This card offers one of the fastest ways to build up Starpoints. From the 25,000 Starpoints bonus to earning Starpoints with each purchase, it’s an ideal card for those who frequently stay in Starwood properties. Starpoints are also considered by many to be the most valuable points, in part because they can be transferred to airline miles programs on a 1 to 1 basis.

Learn more about this and other travel reward credit cards and apply online at CompareCards.com.

Starwood Preferred Guest® Credit Card from American Express Snapshot

  • Our highest Starpoints® offer ever. Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • No Foreign Transaction Fees on international purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and limitations apply.
  • More details: Starwood Preferred Guest® Credit Card from American Express

Rewards Program

There are three components of the Starwood Preferred Guest® Credit Card from American Express rewards program: (1) the 25,000 bonus Starpoints; (2) 5 Starpoints on select purchases; and (3) 1 Starpoint on everyday purchases.

1. 25,000 Bonus Starpoints: Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.

2. 5 Starpoints: Earn up to 5 Starpoints® for each dollar of eligible purchases at participating SPG hotels – that’s 2 Starpoints for which you may be eligible as a Card Member in addition to the 2 or 3 Starpoints for which you may be eligible as an SPG member

3. 1 Starpoint: Earn 1 Starpoint® for all other purchases.

Other Perks

The Starwood Preferred Guest® Credit Card from American Express offers several additional benefits:

  • Starwood Elite Status:As a Card Member, receive credit for 5 nights and 2 stays each year toward SPG Elite status. That’s just 20 nights away for SPG Gold status and 45 nights away for SPG Platinum status in a calendar year.
  • Free In-Room Premium Internet:Receive free in-room, premium Internet access while staying with SPG Participating Hotels.
  • Stay Connected: Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide.
  • No Foreign Transaction Fees: Use your Starwood Preferred Guest® Credit Card from American Express globally without incurring foreign transaction fees.
  • Turn Starpoints into Airline Miles: Redeem Starpoints for free flights on over 150 airlines with SPG Flights with no blackout dates. Transfer Starpoints to nearly 30 airline frequent flyer programs, mostly on a one-to-one basis.Receive a 5,000 Starpoint bonus when you transfer 20,000 Starpoints to a participating frequent flyer program.

What we like about the Starwood Preferred Guest® Credit Card from American Express

  • 25,000 Bonus Starpoints
  • Up to 5 Starpoints on select purchases
  • No foreign transaction fees
  • Transfer of Starpoints to airline miles

What could be better

Summary

  • Our highest Starpoints® offer ever. Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • No Foreign Transaction Fees on international purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and limitations apply.
  • More details: Starwood Preferred Guest® Credit Card from American Express
  • Regular Purchase APR: 15.49%-19.49% (Variable)
  • Penalty APR: 29.49%
  • Annual Fee: $0 intro annual fee for first year, then $95
  • Late Payment Fee: Up to $37
  • Foreign Transaction Fee: None
  • Ideal for those who want to earn Starpoints
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

Learn more about this and other travel reward credit cards and apply online at CompareCards.com.


5 Things to Know About Temporary Credit Card Numbers

The more you hear about fraud and identity theft from online purchases, the more nerve-wracking online shopping can be. Luckily, credit card companies are stepping up their game when it comes to online security.

Besides fraud protection guarantees that protect you after the fact, more companies are implementing measures that make it even more difficult to steal your credit card number. One such option is a temporary, or virtual, credit card number.

These randomly-generated numbers are assigned by your credit card company. You can typically get the number through your credit card company’s website. The number will look different from the one on your physical credit card, but it’s still linked to the same account.

You can use the temporary number for online shopping, and it’ll expire after a set amount of time. So even if hackers swipe this credit card number while you shop online, it will likely expire before they can actually use it.

While not all credit card companies are currently offering virtual credit card numbers for all their credit card types, some do. Right now, Citibank and Bank of America both offer this service to certain cardholders. I carry the Citi Double Cash credit card, and it offers virtual account numbers:

Citi Virtual Account Numbers

The process for generating a virtual number is simple:

  1. Sign on to the credit card company’s website and navigate to their virtual number feature;
  2. Enter your spending limit for the virtual number;
  3. If the feature is available, enter date when the number should expire; and
  4. The card issuer generates a virtual number and security code that you can use to shop online.

While these cards can make online shopping safer, be sure you understand all their ins and outs before using them. Here’s what you need to know:

1. You may have to apply for a new number each time you shop. Different virtual credit card systems have different rules. Some expire in a very short amount of time, such as 24 hours. But they can last for up to a year. If your credit card issuer uses shorter-lasting numbers, you’ll need to apply for a new temporary number each time you shop. It’s typically a simple process, though. You’ll just have to remember to do it each time you want to shop online with a temporary credit card number.

2. They aren’t 100% fraud-proof. While virtual credit cards can protect you from some types of fraud, they’re not completely bulletproof. If a hacker uses your credit card number within the time frame that it’s still active, you’ll still have to dispute the fraudulent charges as you normally would. Luckily, the same fraud protection rules that apply for your regular credit card number also apply to your virtual number.

3. They aren’t great for booking hotels or rental cars. In any situation where you need to use your credit card online for a booking, and then present that card when you actually check in, a virtual credit card number will be a headache. Most of the time, hotels and car rental agencies expect to verify the same card in person that you used to pay online. If you use a virtual number that doesn’t match the one on your physical credit card, you might be out of luck.

4. Returns can be a pain. Most of the time when you buy online and then make a return, you’ll get money directly back to your debit account or credit card. When you use a virtual number, this can be a problem. If your temporary credit card number has expired before you make the return, you may have to accept a gift card or check instead. This can be frustrating, depending on the merchant and the reason for return.

5. There are other options available. Even though not all credit card companies offer virtual credit card numbers yet, there are other apps and tools available to do something similar. For instance, a product called MaskMe created disposable email addresses that can confuse spammers. Evolving services like Apply Pay also allow you to make payments without giving a merchant your actual credit card.

While virtual, or temporary, credit card numbers have their drawbacks, they can certainly serve a purpose. It’s important to think about your fraud risk, you potential for returns, and other possible issues with an online transaction. Then, you can best decide whether or not to create a virtual credit card number for your online purchase.

 


Discover Credit Cards

Discover credit cards are best none for cash back rewards. Discover popularized the 5% cash back on rotating categories. In addition, however, Discover offers an excellent travel rewards card and one of the longest 0% balance transfer offers available today.

I’ve carried a Discover credit card since they were called Discover More. Now they have a line of Discover it® cash back and miles credit cards. In addition to the rewards and terms below, these cards offer free access to your FICO credit score.

Discover Credit Cards

 Discover it® Miles – Double Miles your first year
  • Rewards: Unlimited 1.5x Miles on every dollar you spend on purchases.
  • Bonus: Discover will double all the Miles you’ve earned at the end of your first year. So if you’ve earned 20,000 Miles, we’ll double it to 40,000 Miles – Automatically. Only for new cardmembers.
  • 0% Offer: 0% intro APR* on purchases for 12 months—then a variable purchase APR applies.
  • Annual Fee: $0
Discover it® Cashback Match™ with No Annual Fee
  • Rewards: 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Bonus: Discover will double all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202—Automatically. Only for new cardmembers.
  • 0% Offer: 0% Intro APR for 12 months on purchases and balance transfers.
  • Annual Fee: $0
Discover it® – 18 Month Balance Transfer Offer (18 Month 0% balance transfer)
  • Rewards: 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Bonus: Discover will double all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202—Automatically. Only for new cardmembers.
  • 0% Offer: 0% Intro APR for 6 months on purchases and for 18 months on balance transfers.
  • Annual Fee: $0
Discover it® chrome – Double Cash Back your first year
  • Rewards: 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter-no sign-ups needed.* 1% cash back on all your other purchases.
  • Bonus: Discover will double all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202—Automatically. Only for new cardmembers.
  • 0% Offer: 0% Intro APR for 12 months on purchases and balance transfers.
  • Annual Fee: $0
NHL® Discover it® card – Double Cash Back your first year
  • Rewards: 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Bonus: Discover will double all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202—Automatically. Only for new cardmembers.
  • 0% Offer: 0% Intro APR for 12 months on purchases and balance transfers.
  • Annual Fee: $0

Discover Student Credit Cards

Discover it® for Students – Good Grades Rewards
  • Rewards: 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Bonus: Discover will double all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202-Automatically. Only for new cardmembers.*
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • 0% Offer: 0% intro APR on purchases for 6 months.
  • Annual Fee: $0
Discover it® chrome for Students – Good Grades Rewards
  • Rewards: 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter-no signups needed.* 1% cash back on all your other purchases.
  • Bonus: Discover will double all the cash back you’ve earned at the end of your first year. So if you earned $101 cash back, we’ll double it to $202-Automatically. Only for new cardmembers.*
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • 0% Offer: 0% intro APR on purchases for 6 months.
  • Annual Fee: $0

Citibank Credit Cards

Citibank offers a wide range of credit cards. It’s 0% balance transfer and purchase cards offer some of the longest no interest introductory rates available today. Citi’s cash back cards are top ranked. And it offers some excellent points and miles travel cards.

I’ve carried Citi® credit cards for years. Back in the day I took advantage of Citi’s 0% balance transfer cards. Today the Citi® Double Cash is my everyday card because it pays 2% cash back–1% on purchases + 1% when you pay for those purchases.

Editor’s Pick: Without question the top pick goes to the Citi® Double Cash credit card. It pays 1% on very purchase + 1% when you pay for the purchase. It has no annual fee and a 0% introductory APR for 15 months.

Citi® Rewards Credit Cards

Citi ThankYou® Premier Card
  • Rewards: Earn 3X ThankYou® Points on Travel including Gas, 2X ThankYou® Points on Dining Out and Entertainment, and 1X ThankYou® Points on Other Purchases.
  • Bonus: Earn 40,000 Bonus Points after Meeting Qualifications*
  • 0% Offer: None
  • Annual Fee: $95, waived for first 12 months*
Citi Prestige® Card
  • Rewards: Earn 3x points on Air Travel and HotelsEarn 2x points on Dining at Restaurants and Entertainment. Earn 1 Point per $1 spent on other purchases.
  • Bonus: Earn 50,000 bonus Points after $3,000 in purchases made with your card in the first 3 months the account is open. Points are redeemable for an $800 flight on American Airlines or US Airways®, a $665 flight on any other airline or $500 in gift cards.
  • 0% Offer: None
  • Annual Fee: $450
Citi ThankYou® Preferred Card-Earn 20,000 Bonus Points
  • Rewards: 2 ThankYou® Points per dollar spent on dining at restaurants and entertainment1 ThankYou® Point on other purchases.
  • Bonus: Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening – redeemable for $200 in gift cards or other great rewards.
  • 0% Offer: 0% intro APR on Balance Transfers and Purchases for 12 months.
  • Annual Fee: $0
Citi® Double Cash
  • Rewards: Earn 1% on Purchases & 1% on Payments.
  • Bonus: None.
  • 0% Offer: 0% Intro APR on Balance Transfers and Purchases for 15 months.
  • Annual Fee: $0

Citi® Travel Credit Cards

Citi®/ AAdvantage® Platinum Select® MasterCard®
  • Rewards: Earn 2 AAdvantage® Miles on every $1 spent on eligible American Airlines purchases, and 1 AAdvantage® mile on all other purchases. First checked bag is free on domestic American Airlines itenraries for you and up to four companions traveling with you on the same reservation*Enjoy Group 1 Boarding on American Airlines flights.
  • Bonus: Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening.
  • 0% Offer: None.
  • Annual Fee: $95, waived for first 12 Months.
Citi® / AAdvantage® Executive World Elite™ MasterCard®
  • Rewards: Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Admirals Club® membership for you with guest privileges*10,000 Elite Qualifying Miles from American Airlines after $40,000 spent in purchases each calendar year. First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation.
  • Bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening.
  • 0% Offer: None.
  • Annual Fee: $450
Citi® Hilton HHonors® Visa Signature® Card
  • Rewards: Earn 6 HHonors™ Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio. Earn 3 HHonors™ Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations. Earn 2 HHonors™ Bonus Points for each $1 spent on all other purchases.
  • Bonus: Earn 75,000 Hilton HHonors™ Bonus Points after making $2,000 in purchases within the first 3 months of account opening.
  • 0% Offer: None.
  • Annual Fee: $0
Citi® Hilton HHonorsTM Reserve Card
  • Rewards: Earn 10 HHonors™ Bonus Points per $1 spent on hotel stays within the Hilton portfolio. Earn 5 HHonors™ Bonus Points per $1 spent on airline and car rental purchases. Earn 3 HHonors™ Bonus Points per $1 spent on all other eligible purchases.
  • Bonus: Earn 2 weekend night certificates good at select hotels and resorts within the Hilton portfolio after you make $2,500 in purchases within 4 months of account opening.
  • 0% Offer: None.
  • Annual Fee: $95
Expedia®+ Voyager Card from Citi®
  • Rewards: 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and vacation packages. 2 Expedia+ bonus points per $1 spent on purchases for dining out and entertainment, including tickets to concerts, movies and sporting events. 1 Expedia+ bonus point per $1 spent on other purchases. Expedia+ gold status is complimentary for as long as you are a cardmember.
  • Bonus: Earn a $100 statement credit after your first eligible Expedia purchase greater than $100 within 3 month of account opening. PLUS, earn 20,000 Expedia+ rewards bonus points after $2,000 in purchases within 3 months of account opening. Points redeemable for $250 in coupons at +VIP Access™ hotels or $125 at other hotels.
  • 0% Offer: None.
  • Annual Fee: $95

Citi 0% Credit Cards

Citi Simplicity® Card
  • Rewards: None.
  • Bonus: None.
  • 0% Offer: 0% Intro APR on Balance Transfers and Purchases for 21 months.
  • Annual Fee: $0
Citi® Diamond Preferred® Card
  • Rewards: Citi Easy DealsSM Get what you want for less. Earn Citi® Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Bonus: None.
  • 0% Offer: 0% Intro APR on Balance Transfers and Purchases for 21 months.
  • Annual Fee: $0

Citi® Student Credit Cards

Citi ThankYou® Preferred Card for College Students-Earn 2,500 Bonus Points
  • Rewards: 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment. 1 ThankYou® Point on other purchases.
  • Bonus: Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 0% Offer: None.
  • Annual Fee: $0

Citi® Business Credit Cards

CitiBusiness®/ AAdvantage® Platinum Select® World MasterCard®
  • Rewards: Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases. Earn 2 AAdvantage® miles for every $1 spent on purchases, telecommunications and car rental merchants – and at gas stations after 11/15/15. Earn 1 AAdvantage® mile per $1 spent on other purchases.
  • Bonus: Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening.
  • 0% Offer: None.
  • Annual Fee: $95, waived for first 12 months.

Susan G. Komen® Credit Card – Up to 3% Cash Back + $100 Bonus

The Susan G. Komen® credit card offers excellent cash back rewards, a signup bonus, and a 0% introductory rate. Most importantly, using the card helps support the Susan G. Komen’s fight to find a cure for breast cancer.

When I first learned of this card, I assumed it would be a plain vanilla card with no rewards. After all, Bank of America has promised to contribute millions of dollars to Susan G. Komen. How much could be left for rewards? To my surprise, the card offers a $100 signup bonus, up to 3% cash back, and a 0% introductory rate on purchases and balance transfers. And it manages all of this without charging an annual fee.

Susan G. Komen® Credit Card Snapshot

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3.0 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen® has received more than $6.0 million from Bank of America from this program since 2009.
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.24% – 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • More details: Susan G. Komen® credit card

Rewards Program

There are four components of the Susan G. Komen®  rewards program: (1) the $100 bonus; (2) 3% cash back; (3) 2% cash back; and (4) 1% cash back.

1. $100 Bonus: New card members earn a $100 bonus when they spend at least $500 on the card in the first 90 days of account opening.

2. 3% Cash Back: The card pays 3% cash back on gas purchases. There is a spending cap, however, as you’ll see below.

3. 2% Cash Back: Earn 2% cash back at grocery stories. As noted above, there is a cap. Both the 3% cash back on gas and 2% cash back at grocery stores are subject to a spending cap of $1,500 every quarter. Once the spending cap is reached in combined purchases of gas and at grocery stores, you’ll earn 1% on additional purchases through the end of the quarter.

4. 1% Cash Back: On all purchases that fall outside the above reward levels you will earn 1% cash back with no spending tiers or caps.

0% Introductory Rate

The card offers a 0% introductory rate for 12 months on purchases and for any balance transfer initiated in the first 60 days. Note that there is a 3% fee (minimum $10) on balance transfers.

What we like about the Chase Freedom Card

  • The $100 cash bonus
  • Up to 3% cash back
  • 0% introductory APR
  • No annual fee

What could be better

  • Two and three percent cash back has spending caps
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

Summary

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3.0 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen® has received more than $6.0 million from Bank of America from this program since 2009.
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.24% – 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • More details: Susan G. Komen® credit card
  • Regular Purchase APR: 13.24%-23.24% (Variable)
  • Penalty APR:Up to 29.99%, based on your creditworthiness
  • Annual Fee: $0
  • Late Payment Fee: Up to $37
  • Foreign Transaction Fee: 3%
  • Ideal for those who want to support Susan G. Komen
  • A good choice for those looking for a 0% APR introductory rate
  • Well suited for those wanting a cash back card with no annual fee
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

Chase Credit Cards

Chase credit cards offer something for everybody. Chase cards cover the spectrum of perks, including travel rewards, cash back, and 0% introductory rates on balance transfers and purchases.

I’ve carried a number of Chase credit cards for years. I used the Chase Slate® card’s no fee 0% balance transfer to help my wife and I get out of debt. The Chase Freedom® card helped us earn substantial cash back rewards. And today we carry the Marriott Rewards® Premier Credit Card.

Here you’ll find the complete lineup for Chase credit card offers. We’ll start with the consumer cards, and follow it up with Chase business credit cards.

Chase Consumer Credit Cards

Editor’s Pick: It is extremely difficult to pick the best Chase credit card. If I had to pick just one, however, it would be the Chase Sapphire Preferred® Card. This travel credit card offers 50,000 bonus points and up to 2x points on travel and dining at restaurants.  It was named a ‘Best Credit Card’ for Travel Rewards by MONEY Magazine.

Chase Freedom®
  • Rewards: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
  • Bonus: Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening. Earn a $25 bonus after you add your first authorized user and make a purchase within this same 3-month period.
  • 0% Offer: 0% Intro APR for 15 months on purchases and balance transfers.
  • Annual Fee: $0
  • Read our review
Chase Slate®
  • Rewards: None
  • Bonus: $0 Introductory balance transfer fee for transfers made during the first 60 days
  • 0% Offer: 0% Introductory APR for 15 months on purchases and balance transfers
  • Annual Fee: $0
  • Read our review
Chase Sapphire Preferred® Card
  • Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • Bonus: Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 in travel when you redeem through Chase Ultimate Rewards®. Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 0% Offer: None.
  • Annual Fee: Intro Annual Fee $0 the first year, then $95
  • Read our review
Southwest Airlines Rapid Rewards® Premier Credit Card
  • Rewards: 2 points/$1 spent on Southwest Airlines® purchases and participating Hotel and Car Rental partners. 1 point/$1 spent on all other purchases.
  • Bonus: Earn 25,000 points after you spend $1,000 on purchases in the first 3 months your account is open. 6,000 points after your Cardmember Anniversary.
  • 0% Offer: None.
  • Annual Fee: $99
  • Read our review
United MileagePlus® Explorer Card
  • Rewards: Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases. Check your first bag for free – save up to $100 per roundtrip.
  • Bonus: Start with 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening.
  • 0% Offer: None.
  • Annual Fee: $0 intro annual fee for the first year, then $95.
Marriott Rewards® Premier Credit Card
  • Rewards: For every $1 spent, earn 5 points at 4,000 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else.
  • Bonus: Earn 50,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening. Get 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date.
  • 0% Offer: None
  • Annual Fee: $0 introductory first year, then $85
  • Read our review

Chase Business Credit Cards

Ink Cash® Business Credit Card
  • Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
  • Bonus: Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • 0% Offer: 0% introductory APR on purchases for 12 months.
  • Annual Fee: None
  • Read our review
Ink Plus® Business Credit Card
  • Rewards: Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • Bonus: Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®.
  • 0% Offer: None
  • Annual Fee: $95
  • Read our review

Marriott Rewards® Premier Credit Card Review – 80,000 Bonus Points

The Marriott Rewards® Premier Credit Card enables card members to earn free night stays quickly with 80,000 bonus points and up to 5 points on every $1 spent.

This card is one of the cards I carry everyday. As a fan of Marriott hotels, this card enables me to earn free stays extremely fast. The combination of 80,000 bonus points and up to 5x points on every $1 spent on the card provides an excellent opportunity to earn free night stays at Marriott Hotels. You also earn a free night stay on every anniversary of card membership.

Marriott Rewards® Premier Credit Card Snapshot

  • Earn 80,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
  • Plus, earn 7,500 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.
  • Enjoy 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • Earn unlimited Marriott Rewards points and get free stays faster
  • Earn 5 points for every $1 spent at 4,000 Marriott locations, 2 points for every $1 spent on airline tickets purchased directly with the airlines, at car rental agencies & restaurants and 1 point everywhere else
  • The fastest way to earn Marriott Rewards points towards free nights
  • The fastest way to earn Marriott Rewards Elite Status. Receive 15 Elite Credits guaranteeing Silver Elite Status or better. Plus, Earn 1 Elite Credit for every $3,000 spent on purchases
  • All for an $85 Annual Fee
  • More Details: Marriott Rewards® Premier Credit Card

Rewards Program

There are 6 components of the Marriott Rewards® Premier Credit Card rewards program:

1. 80,000 Bonus Points: Earning the bonus points is easy. Spend $3,000 on the card in the first three months of account opening and you’ll earn 80,000 Marriott bonus points. Free night stays start at 7,500 points for a category 1 hotel, making the 80,000 points extremely valuable.

As an additional bonus, you also earn 5,000 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.

2. 7,500 Bonus Points: earn 7,500 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.

3. Free Night Stay: You also get 1 free night stay at a Category 1-5 location on each account anniversary date. For me, this more than pays for the annual fee.

4. 5 Points: Earn 5 points for every $1 spent at 4,000 Marriott locations worldwide. This is a great benefit when you vacation at a Marriott resort. We recently spent $4,000 at the Frenchman’s Reef & Morning Star Marriott Beach Resort. At 5 points each we earned 20,000 points.

5. 2 Points: Earn 2 points on every $1 spent on airline ticket purchases directly with airlines, at car rental agencies & restaurants.

6. 1 Points: Earn 1 point on every $1 spent on all other purchases.

Elite Status

Marriott has three levels of elite status–Silver, Gold and Platinum. To reach each status, you need 10, 50, or 75 night stays, respectively. Each status provides a number of benefits, including bonus points on each night stay.

With the Marriott Rewards® Premier Credit Card, you automatically earn 15 credits each year. This qualifies you for Silver status and puts you on your way toward Gold status.

What we like about the Marriott Rewards® Premier Credit Card

  • 80,000 bonus points
  • Up to 5 points for every $1
  • Silver Elite status
  • No foreign transaction fees
  • Free night stay every year

What could be better

  • $85 annual fee
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

Summary

  • Earn 80,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
  • Plus, earn 7,500 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.
  • Enjoy 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • Earn unlimited Marriott Rewards points and get free stays faster
  • Earn 5 points for every $1 spent at 4,000 Marriott locations, 2 points for every $1 spent on airline tickets purchased directly with the airlines, at car rental agencies & restaurants and 1 point everywhere else
  • The fastest way to earn Marriott Rewards points towards free nights
  • The fastest way to earn Marriott Rewards Elite Status. Receive 15 Elite Credits guaranteeing Silver Elite Status or better. Plus, Earn 1 Elite Credit for every $3,000 spent on purchases
  • All for an $85 Annual Fee
  • More Details: Marriott Rewards® Premier Credit Card
  • Regular Purchase APR: 16.24% (Variable)
  • Penalty APR: None
  • Annual Fee: $85
  • Late Payment Fee:Up to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more.
  • Foreign Transaction Fee: None
  • Ideal for those who stay at Marriott hotels
  • A good choice for those looking a quick way to earn Marriott points
  • Requires Excellent Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

More Details: Marriott Rewards® Premier Credit Card


BankAmericard Travel Rewards® Credit Card Review – $200 Signup Bonus

The BankAmericard Travel Rewards® Credit Card offers 1.5 points per $1 spent, a 20,000 point signup bonus, and no annual fee.

This card is ideal for frequent travelers. It is a true 1.5% rewards card, paying 1.5 points per $1 spent. It also offers a signup bonus of 20,000 points (minimum spend required) and a 0% introductory APR on purchases. And it manages all of this without charing an annual fee. We’ll cover each of these features and more in this review.

BankAmericard Travel Rewards® Credit Card Snapshot

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days –  that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% – 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% or more.  Click “Apply Now” to learn more about Preferred Rewards
  • More details: BankAmericard Travel Rewards® Credit Card

Rewards Program

There are four components of the BankAmericard Travel Rewards® Credit Card rewards program: (1) the 20,000 point bonus; (2) 1.5 points; (3) 10% customer points bonus; and (4) 25% or higher bonus for Preferred Rewards clients.

1. 20,000 Bonus Points: The card offers 20,000 bonus points when you spend $1,000 on the card in the first 90 days. These bonus points are worth a $200 statement credit.

2. 1.5 Points: Bank of America offers a simple and very rewarding program–1.5 points for every $1 spent. There are no rotating categories to keep track of, and no spending caps.

3. 10% Bonus: Those with an active Bank of America checking or savings account, you’ll earn a 10% bonus. This increases the rewards to 1.65 points for every $1 charged to the card.

4. 25%+ Bonus: Finally, Preferred Rewards clients can earn substantial bonuses starting at 25%. For Platinum Honors members, this bonus goes up to 75%.

0% Introductory Rate

The card offers a 0% introductory rate on purchases for 12 billing cycles.

What we like about the BankAmericard Travel Rewards® Credit Card

  • 20,000 Bonus Points
  • 1.5 Points rewards program
  • 0% introductory APR
  • No annual fee

What could be better

Summary

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days –  that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% – 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% or more.  Click “Apply Now” to learn more about Preferred Rewards
  • More details: BankAmericard Travel Rewards® Credit Card
  • Regular Purchase APR:15.24% – 23.24% (Variable)
  • Penalty APR:Up to 29.99%, based on your creditworthiness
  • Annual Fee: $0
  • Late Payment Fee:Up to $37
  • Foreign Transaction Fee: None
  • Ideal for those who want above average rewards on every purchase
  • A good choice for those looking for a 0% APR introductory rate
  • Well suited for those wanting a rewards card with no annual fee
  • Requires Excellent/Good Credit
    Excellent Credit
    Credit cards for excellent credit are
    intended for those with a credit score of 700 or Higher.
    Get Your Free Score

Learn more about this and other travel reward credit cards and apply online at CompareCards.com.