Monthly Archives: January 2017

When You Should Redeem Your Miles Rather Than Paying Cash

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Accumulating rewards points and using them later is undoubtedly one of the best ways to make the most of your travel, plus it also helps to enjoy numerous benefits and other luxuries without making any cash payments. In certain instances, it is wiser to redeem some of your miles rather than using your credit card to make the payment or pay in cash. Many travelers wonder when they should cash-in their miles. So, here are a few tips to help you decide whether to make cash payments or to redeem your points.

Booking a Last-Minute Domestic Flight

Domestic airlines are a lot cheaper in most cases, which means that it wiser to make cash payments for them rather than redeeming your valuable miles. However, if you are planning to book a flight for the next day or two, then redeeming your miles will help you to save a lot on last-minute added airfare. Moreover, many airlines offer award seats especially at the last minute.

Booking First Class or International Business

Many travelers prefer to save their airline miles either for a first class trip to a vacation spot, or for a business class flight to overseas. However, most of them do not realize the fact that they can redeem their miles from a US airline’s program, which will help them to take a trip on an international partner with better food, seats, and service.

When Fuel Charges are Excluded

Some airlines such as British Airways add fuel surcharges to your award tickets. This means that you will have to spend a lot more of your miles if you want to catch these flights. In certain cases, you might need to pay an extra amount, which is almost equal to the charge of a paid ticket. So spend your reward miles on an airline that does not charge huge surcharges rather than wasting them on the fuel surcharges.

When you Don’t know Whether you will Make the Trip

One of the major benefits of redeeming your miles for a trip is that you can easily cancel or change the trip at a considerably low charge. Sometimes, this service is free, but may be limited to elite frequent flyers. Anyways, this will ensure that you will get your miles back even if you cancel the trip.

Citi Credit Cards for Those who Love Night Life

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Some of the credit cards offer built-in advantages foe the nightlife fanatics out there who love to dine at great restaurants, attend live events, and night outs in town. In addition to offering rewards and exclusive access to events for spending, these cards can help you track your spending as well. Many of these cards also offer extra fraud protection, in case you leave your card behind at a bar or lose it at a nightclub.

Some credit cards go an extra mile and offer you rewards for night outs. Whether you are going for a concert or just having a bite, credit cards offer you much more than a hangover and empty wallet.

Reward credit cards work best when you pay the balances in full. Otherwise, all the advantages will be eaten away by the interest. This is why it is very important to keep your night outs within your budget. Read ahead to know about the Citi ThankYou Premier Card, and check out the rewards it offers to the social butterflies.

Citi ThankYou Premier Card

The Citi ThankYou Premier Card will earn you double points for each dollar that you spent at restaurants. This includes bars, cafes, lounges, as well as entertainment centers like theaters and movies. In addition to that, you earn triple points on each dollar that you spend on travel and for Citi cards, which also includes paying for gas, taxis, and public transportation.

All other purchases that you make with the Citi ThankYou Premier Card will earn you one point per dollar spent. What’s more, you also get 40,000 points as signup bonus when you spend 3,000 dollars in purchases within the first three months of signup.

ThankYou points from Citi credit cards can be redeemed for entertainment, dining, travel, and retail. This means that the restaurants and bar points that you earn from your nightlife will be much valuable for your vacation spending. Citi card holders also get Citi Private Pass, which offers access to tickets for many of the annual entertainment events.

Citi also offers round the clock concierge service to help users book reservations, travel, and last-minute baby-sitter. The annual percentage rate of the Citi ThankYou Premier Card is variable from 14.49% to 23.49% for purchases and the annual fee is 95 dollars.

Smart Travel Credit Card Hacks for 2017

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You might be looking for a loyalty credit card that gives you generous perks. Obviously, you would value elite status benefits like airport lounge access, free checked bags, chance to collect free flight tickets and hotel stays, and you may wish to be rewarded for your spending habits. However, you may not be willing to pay huge annual or risk decreasing your credit score for the redemptions and loyalty privileges.

It is true that there is no ideal credit card suitable for every traveler, but there are many ways in which carrying the proper card can pay off. The expert approved strategies shared below can help you get the most out of your travel credit card.

Give Importance to Flexibility over Fidelity

Experts say that that most lucrative among the credit cards are those that let users to transfer the points to different programs. For instance, with the Chase Sapphire Reserve card, you can earn Chase Ultimate Rewards Points that can be redeemed with partners like Marriot, United, and Southwest. When redeeming the points with partners, you can earn great value.

On the other hand, with the American Express Platinum Card, you can earn American Express Membership Reward points that can be easily transferred to various programs like Hilton HHonors and Delta Sky Miles without the need to lock to the program or devaluing the points.

Consider Preferences, Travel Patterns, and Spending Habits

It is much important to evaluate three factors before committing to a travel credit card: the benefits that are offered by the card; ease of earning and transferring points to various programs; and sign up bonus. The co-branded airline credit cards with carriers like Delta, United, and American Airlines do not let users reap rewards fast, but these cards may be worth having for the privileges that they offer like priority boarding.

If you do not travel frequently, you can go for cash back cards like Fidelity Rewards Visa Signature card. This card allows users to earn two percent cash back on all the purchases made with the card.

Go for Double or Triple Points

While looking for cards, consider those cards that offer you greater number of points per dollar spent. For instance, the Chase Sapphire Reserve card will offer you 100,000 points for spending 4,000 dollars in the first three months of signup, an airfare credit of three hundred dollars, and three points per dollar spent on dining and travel expenses.

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