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.

Do not Let your Miles Expire – Follow These Tips

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It happens. You might have not known that you had a lot of frequent flyer miles and rewards points before they expired and became useless. We all travel, shop, and stay at hotels, at least at some point of our life, and all these things earn us reward miles and points. These rewards can be used to purchase merchandise, book a flight ticket, or even pay monthly subscription charges. However, these reward points and miles also come with an expiry date.

Not all of us realize this, and end up losing all the miles and reward points for nothing. It is a good strategy to let the points accumulate in your account, so that you can sell miles or sell rewards points for the top dollar. Yet again, if you forgot to keep track of the expiry dates of your reward points, it won’t do any good at all.

How to Keep your Miles from Expiring

The first thing, obviously, would be to keep an eye on when your frequent flyer miles and hotel reward points are going to expire. Prepare a timeline for your reward points and set reminders for 30 to 45 days before the expiration dates. When the alarm goes off, contact a miles reseller and check the value of the points you have. This way, you can use the accumulated miles in time and earn some extra money from the free points.

Another thing to note is the value of your points. Different flyer miles might account to different pricing, and keeping an eye on the value changes would definitely help you determine when to sell miles. You can also make some bargains with your miles reseller, and negotiate on the final value before selling miles and reward points.

Some miles and points provider reset the reward expiration dates on account of points earnings and spending activities. Contact your frequent flyer miles and rewards points provider, and ask if they follow any such strategies, or if they have any promotional offers going on. If yes, you can tag on the deal and keep your points from expiring for a long time.

Earn up to Ten Dollars with MileagePlus X App

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MileagePlus X app from United is running a Cyber Monday promotion, which is very appealing. As per the promotion, users can get up to ten miles per dollar that is spent at select retailers. This is actually double of the normal best offer from the app.

When a user shops through the MileagePlus X app, the user is essentially buying a gift card to the retailer. These gift cards do not expire, so the deal can be much attractive even if the user is not planning to shop at any of the retailers any time soon. The new offers for Cyber Monday through the United MileagePlus X app are listed below.

  • Earn 4 miles per dollar spent at JCPenney, Dell.com, and Romano’s Macaroni Grill.
  • Earn 5 miles per dollar spent at Bath & Body Works, Maggiano’s Little Italy, Lowe’s, and Xbox.com.
  • Earn 6 miles per dollar spent at Staples, Sears, and Toys R Us.
  • Earn 8 miles per dollar spent at Columbia Sportswear and Chili’s.
  • Earn 10 miles per dollar spent at BedandBreakfast.com, GAP, Banana Republic, Buca di Beppo, Nike, On the Border Mexican Grill & Cantina, and Old Navy. Users can also avail a 25% bonus if they are making the purchase with United MileagePlus Explorer credit card.

Users can also stack the deal to earn even more United miles when shopping via the MileagePlus shopping portal. For instance, if you buy a 100 dollar Nike gift card via the MileagePlus X app, you can earn 1000 United miles, together with a 250 mile bonus if you have a United co-branded card like the United MileagePlus Explorer Card.

You could then buy items from Nike making use of the MileagePlus shopping portal. This would help you earn an additional 400 miles for hundred dollars purchase, and you will earn 1400 miles (or 1650 miles if you used United-branded credit card) in the end. This means that it is time to do some shopping with the MileagePlus shopping app.

How to Earn Cash Back Rewards without Extra Spending

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Cash back rewards is undoubtedly one of the best ways to use your credit cards in a lucrative way. However, many customers have changed their spending styles to earn more points and reports indicate that the spending style of such individuals eventually lead them into debt.

It is important to realize that you don’t have to change your spending style in order to earn more credit points. There are many simple and effective ways through which you can accumulate the points. Below are a few ways, which will help you to earn cash back rewards without spending more.

Choose the Correct Card

It may initially seem difficult to pick the ideal card, which suits your own unique lifestyle, as they are not designed to fit the individual needs of the customer. However, evaluating and assessing different cash back cards and realizing how they can benefit you can help you reach a conclusion. Having the right card with you is vital because it can help you earn more cash back rewards and bring numerous other benefits.

Use the Card for All your Recurring and Routine Expenses

Customers need to realize and accept the fact that spending more money is not the key to earn rewards. Try to make all your purchases through cash back cards rather than using money or credit card. These simple purchases will certainly boost your spending total without disturbing your finances or leading you into debt. Almost all purchases you spent your money on, such as rent payment, buying groceries and other utilities, can be paid through credit cards.

Use Credit Cards for Big Purchases

If you are planning to purchase something big like a new TV, smartphone, or a computer, then it would be wiser to use your credit cards. This is because theses large purchases will instantly add hundreds or maybe thousands of dollars to the spending total, which eventually increases your reward points. In addition to that, there are numerous other benefits of using your credit cards on such purchases, such as extended warranty service and superior fraud protection.

Use the Card to Repay Existing Debts

Another responsible and convenient way to obtain cash back points is to settle your debts with your credit card. Many individuals have some kind of debts such as vehicle financing loan, student loan, professional training courses loan, renter’s insurance mortgages, or HOA fees. Pay them off with your card even if you have cash in hand. This will allow you to settle you debts with the rebate you have earned.

Top 3 Airline Credit Cards of 2016

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We all know that the best airline credit cards offers rewards and travel offers like free flights, priority boarding, and seat upgrades. These airline credit cards can be much useful if you make use of the same airline for your travel, as they will offer you the rewards of frequent flyer programs.

It is true that the best airline credit card for you depends on your travel habits, but some of the credit cards offer broad options for using the reward miles that you accumulate than the others. Read on to know about some of the best airline credit cards of 2016.

Citi AAdvantage Platinum Select Card

This card earns high marks in the race, as it offer generous sign up bonuses and outstanding rewards program to the users. Another advantage is that the card offers many airport and in-flight benefits. This card offers 2 airline miles per dollar spend on American Airline purchases and offer 1 mile per dollar that is spent on the general purchases. The card offers 30,000 American Airline AAdvantage miles for spending three thousand dollars in the first three months of opening the account.

British Airways Visa Signature Card

This card also offers substantial rewards, convenient travel benefits, and awesome signup bonuses. The card offer 3 miles per dollar spent on British Airways purchases and 1 mile per dollar spent on the general purchases. If you spend 3,000 dollars on purchases that are done within the first three months of opening the account, you can earn 50,000 bonus Avios (bonus miles).

United MileagePlus Explorer Card

This card ranks close to British Airways Visa Signature and the Citi AAdvantage Platinum Select in the airline credit card competition. The card offers big rewards and generous bonus opportunities and is a good choice for United Airlines loyal customers. This card offers 2 miles per dollar spent on United Airlines purchases and 1 mile per dollar spent on all the other general purchases. In addition, if you spend thousand dollars in the first three months of account opening, you can earn 30,000 bonus miles.

Maximize your Miles through Travel Rewards Credit Cards

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One of the best and proven ways to earn and maximize miles is via travel reward credit cards. Travel reward cards usually offer new cardholders with great signup bonuses, and users can get up to 30,000 miles and more, depending on the provider and the sign up bonus offer.

You will also have to meet a specific spending requirement to be eligible for these bonuses; but it is worth, considering the bonuses that sometimes equals to hundreds of dollars in cash or airfare, if you sell or transfer the miles. In any event, if you have planned to make a large purchase, it will be worthy enough to ensure that you get the best sign up bonus available for your credit card.

How to Find Outstanding Credit Card Offers

You will need to do good research to find the credit card offer that is best for you. It is better to invest some time and look for the best deals. You will need to be patient to find competitive deals, as banks promote their best deals repeatedly as limited time offers. This means that if you are unable to find a good deal for you, just wait for a few days, and strike while the iron is hot.

Advantages of Travel Rewards Credit Cards

Travel rewards credit cards allow users to earn more miles when they use credit cards to make some specific purchases. For instance, co-branded credit cards offer their users more than double miles for a dollar spent with a particular hotel stay or airline company. There are also some other travel reward credit cards that offer bonus miles for everyday purchases that the users make. The everyday purchases can be anything from groceries, gas, or dining out and this can be used as an easy way to stack up miles. You would buy these items on a regular basis anyway, what if you get some bonus miles on these purchases.

Marriott-Starwood Merger: Two New Rewards Programs for Loyal Members

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Finally, there is some good news for Ritz-Carlton Rewards and Starwood Preferred Guest rewards points holders. Marriot has officially announced that even after the merger with Starwood Hotels & Resorts, they will continue to offer the rewards points benefits to loyal members of both the companies.

“Obviously there’s a lot of work to do as it relates to combining the loyalty programs,” said Stephanie Linnartz, Executive Vice President and Global Chief Commercial Officer for Marriot International. “But the great thing for consumers is that right out of the gate, they will be able to link their accounts and match their status from day one.”

Linnartz further added that, “The earliest that we would combine the two programs will be 2018. You can imagine all of the complexities involved with the respective partners [for each program].” She also explained that loyalty members can club their SPG accounts to Marriott Rewards through their website, and transfer the points to match their privileged status on both programs.

Members can redeem the bundled reward points for free hotel stays across the company’s network of properties around the world. Apart from that, members can also redeem their points for exclusive activities, sports events, entertainment, or for online purchases at Marriot’s shopping portal. Members can also exchange points at a 3:1 ratio, where 3 Marriott Rewards points equals to 1 SPG reward point.

With the rewards points accounts linked, loyal members get even more options to choose a property for free stay. For instance, Marriot Rewards members can now get free nights at Bora Bora, Maldives, or Santorini, which were earlier available to SPG members only. Similarly, reward stays at Tuscany, Aruba, or Kruger National Park would now be accessible to Starwood Preferred Guests, which were earlier offered exclusively to Marriott members.

“Marriott’s and Starwood’s guests have shown tremendous loyalty to our brands and now that we are one company, we are seizing the opportunity to reinforce our loyalty to them,” said Linnartz. Marriott also organized a Global Travel Day in October to celebrate their merger with Starwood Hotels & Resorts.

Reports say that Marriott Rewards would continue their partnership with JP Morgan Chase for their credit card program, where Starwood would hold on to American Express for their Starwood Preferred Guest Card.

Why you Should Sell your Airline Miles

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Credit card points and travel rewards are great and they help you to get a free flight. There are many simple and effective ways to earn more reward points and slowly accumulate them. Many major airline companies also give attractive offers and deals for customers to double or significantly increase their credit points.

However, a few travelers might not have any plans to redeem the points. Carlyn is one such frequent traveler, who earned many credit card points, but wasn’t in any mood to redeem them. So, she decided to make the most of her credit card reward points by selling them through a mileage broker.

“I didn’t see a value in holding onto them hoping that I would find a flight I could use,” Carlyn said. The mileage broker helped her to claim a great profit even though she did take a bit of a gamble.

It is important to find a reliable mileage broker and thoroughly learn about the entire process before heading forward. You should also learn about how much they are offering for each of you rewards points. If you are happy with the amount they are offering, only then you should continue with the deal and sell miles.

In majority of the cases, the points sold by the individuals to the brokers are redeemed for a flight ticket, which they eventually sell to someone else. However, in some of the cases, airline companies allow you to sell reward points or credit card points to your friends and family members.

Brian Kelly, a reward points expert says that, “The airlines and credit card companies are looking for transferring of points to people in different states, different last names and different geographical regions.”

However, travel points expert, Eli Hoffman says that, “Airlines definitely do not want the client to sell their miles to a company like ours. Even if something did arise, we still guarantee payment; you would keep the payment even if your account got shut down.”

However, Carlyn admitted that she was happy and satisfied with the deal and said, “I made money selling miles that I’m no longer using and somebody else that needed a last minute flight was able to save some money.”

Earn 3x United Miles While Booking Airbnb Stays

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We all know that there have been only limited chances to earn bonus points or miles on Airbnb purchases. Only a few cards like Citi ThankYou Premier or the Chase Sapphire Reserve offer 3X points on travel purchases. However, United Miles have released an app that has added Airbnb as one of their merchants. This means that users can earn at least 3X United Miles for the Airbnb purchases, other than the miles and points earned with their credit card.

For each dollar that you spend on Airbnb, you will be getting 3 United Miles. The TPG value of United Miles is 1.5 cent per mile. Users can also earn points from the credit card purchases. For instance, if you are using Chase Sapphire Reserve card, you could earn 3X Ultimate Reward points, which means that a purchase of five hundred dollars can lead to 3,000 points in total. You can buy an Airbnb gift card as well and then credit it to your Airbnb account.

Further, card holders with United Mileage Plus Explorer cards can get 25% bonus on any earnings made through the app, even though the card is not used to make the purchase. This will boost your bonus to 3.75 miles per dollar. If you do not have a United Mileage Plus Explorer card, you can earn 30,000 bonus United miles after spending thousand dollars for purchases in the first three months of sign up, if you signup now.

In another news, Airbnb has partnered with Qantas Airlines. This partnership allows you to earn Qantas miles by booking Airbnb stays making use of the carrier’s website. Under this scheme, for every dollar that you spent with Airbnb, you can get a Qantas mile. The unfortunate thing is that it is not possible to stack up these promos, so it will be a better option to make the purchases through the United Miles app.

If you were looking to make some money by selling miles that you have accumulated over the past, you can get in touch with a reliable mileage broker like YYZ Miles, and get the top deal on your reward points.

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