Skip to content

Travel Freedom Tips

Chase Ink vs Sapphire: Best Chase Credit Cards

chase ink vs sapphire

There are five Chase credit cards that earn at least 50,000 Ultimate Rewards points from the signup bonus alone. Two of them are personal Chase Sapphire credit cards and three are business Chase Ink credit cards. All five of these Chase Ultimate Rewards cards earn top ranks when it comes to travel credit cards. Out of the five, we’ll analyze each card and determine which comes out on top in the battle of Chase Ink vs Sapphire.

 

As you can see, the Ink Preferred card has the highest introductory offer. All of these cards have their own benefits. Let’s start comparing them.

 

Chase Sapphire: Personal Credit Cards

There are two versions of the Chase Sapphire credit card. The all-around good credit card in the Sapphire Preferred, and the ultra-premium credit card in the Sapphire Reserve. They’re both excellent travel credit cards in their own ways. It just depends on what you, the consumer, prefer. Let’s see what they have to offer.

 

Chase Sapphire Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 60,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 2X points on travel and dining.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfer partner hotels and airlines.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is the best first travel credit card to get. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal.

 

Chase Sapphire Reserve

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 50,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and dining.
BENEFITS
$300 annual travel credit.
Priority Pass Select airport lounge access.
TSA PreCheck or Global Entry.
Points are worth 50% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfers to partner hotels and airlines.
FEES
$450
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is one of the best premium travel credit cards if you want some luxury. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal. The biggest key to this card is the airport lounge access. If you travel a lot, it's extremely valuable.

 

The Best Chase Sapphire Card

Before examining the Chase Ink vs Sapphire debate, let’s find out which of the Sapphire cards is the best. This will be a tough decision because the differences between the cards are great. The signup bonuses are very similar. The Sapphire Preferred earns 2 points per dollar spent on travel and dining compared to 3 points per dollar on the Sapphire Reserve. Now to compare the benefits and fees. The Sapphire Preferred has minimal travel benefits and has an annual fee of $95. Sapphire Reserve, on the other hand, has extremely valuable benefits but also comes with a high $450 annual fee.

 

Basically, the better Chase Sapphire card depends on what you’re looking for as a cardmember. If you don’t want a high annual fee, the best card is the Sapphire Preferred. But, if you want airport lounge access, TSA PreCheck, and will spend at least $300 on travel to receive the statement credit, the Sapphire Reserve is definitely worth the fee for you.

 

Overall, we’ll say that the Sapphire Preferred is the winner of the Chase Sapphire category because it has no annual fee the first year and has an equal signup bonus. Now let’s check out the Chase Ink business cards so that we can find out which is better in the Chase Ink vs Sapphire contest.

 

chase ink vs chase sapphire

 

Chase Ink: Business Credit Cards

Now that we’ve seen what the Chase Sapphire cards have to offer, let’s dive into the details of the Chase Ink business credit cards. There are three Chase Ink cards with widely differing features. They are all excellent choices. I actually have all three of these credit cards because they work well together. If you have multiple Ultimate Rewards credit cards you can transfer points between accounts to join them together.

 

Ink Business Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 80,000 points after spending $5000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and select business expenses (including online social media ads).
*Limited to first $150k per year.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
Employee cards at no additional cost.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
The signup bonus alone for this card is amazing. Pair that with some great rewards earning for your business and this card is great. If you have a business, we find the Ink Preferred to be the best offer available.

 

Ink Business Cash

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $500 (in the form of 50,000 Ultimate Rewards points) after spending $3000 in the first 3 months.
REWARDS
You'll earn 5X points on internet, cable, phone, and office supply stores.
*Limited to first $25k per year.
Earn 2X at gas stations and restaurants.
*Limited to first $25k per year.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with some great 5X reward categories for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.

 

Ink Business Unlimited

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $500 (in the form of 50,000 Ultimate Rewards points) after spending $3000 in the first 3 months.
REWARDS
You'll earn 1.5X on all purchases. No limit.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with 1.5X rewards on every purchase for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.

 

The Best Chase Ink Card

Hands down, the best Chase Ink card is the Ink Business Preferred. It is honestly the best credit card out there. Period. The signup bonus is nothing less than amazing. My wife and I were able to book both round-trip flights to Hawaii and a resort on the beach for 3 of our nights with just the points from this signup bonus. No other card can get you that kind of value. Plus, the card only has a $95 annual fee. The Ink Preferred can also be converted to a no-fee card at any time if you wish.

 

Here’s why I have all three of these cards for a deadly combination of points earning. The Ink Business Preferred earns 3 points per dollar on certain business expenses and when the points are in this account they’re worth more and you can transfer to partner airlines and hotels (I often get 2 cents per point on redemptions this way). The Ink Business Cash earns 5 points per dollar on common expenses like cable, phone, and office supplies (5X on gift cards at an office supply store – they have a lot of options – wink, wink). Then, the Ink Business Unlimited earns 1.5 points per dollar on everything else. Together, they are a point-earning machine!

chase sapphire vs ink

 

Chase Ink vs Sapphire: Who’s the Winner?

Now we’ve seen the features of each credit card. We’re now ready to discuss which is better between Chase Ink vs Sapphire. This is how we’ll do it. We’ll have a few category winners for the cards that are the best at one particular feature. Then we’ll crown the overall winner of the Chase Ink vs Sapphire battle.

 

Best First Travel Card: Sapphire Preferred

Top Premium Travel Card: Sapphire Reserve

Best Card for Earning: 5X Points on Many Purchases: Ink Cash

Top Card for Simplicity in Earning: Ink Unlimited

CHASE INK vs SAPPHIRE CHAMPION: INK PREFERRED

 

Deciding which cards are best between the Chase Ink vs Sapphire is difficult. They’re all very good travel credit cards in their own right. But we have to choose a winner. The champion of the Chase Ink vs Sapphire debate is the Chase Ink Business Preferred card. It has the best signup bonus, a low annual fee, good earning potential, and great point-redemption value. Not only is it the best card in the Chase Ink vs Sapphire battle, but it’s also the best credit card of ALL cards. The value of the signup bonus can be worth well over $1500 in travel if redeemed through partners.

Chase Freedom Calendar: How to 5X Your Ultimate Rewards

Are you looking for the current Chase Freedom Calendar?   We have the current Chase Freedom rewards calendar as well as all the old calendars dating back to 2013.   The Chase Freedom is a great credit card for earning Chase Ultimate Rewards points on purchases. It earns 5X points on quarterly rotating category bonuses. Over the years these bonuses have ranged from grocery stores to gas stations. From movie theaters to Amazon. And, from restaurants to warehouse stores.

 

Not only does the Chase Freedom credit card have great category bonuses, but it also has no annual fee. Remember to activate your card each quarter. You’ll be reminded through email so it shouldn’t be too hard to remember. Here is the current Chase Freedom cash back calendar: (Remember to activate each quarter)

 

Chase Freedom Calendar 2019

The 2019 Chase Freedom Calendar offers a couple of popular quarterly category bonuses in quarter 2. Grocery stores and home improvement stores should be easy to utilize with those Spring projects you’ve got waiting to be finished. Not seeing Chase Pay on the list once again is a bit surprising. Maybe they’ve finally ditched trying to push Chase Pay. Has anyone actually used it for any reason other than earning extra points? Anyway, it should be possible to maximize the bonuses each quarter. I’ve marked categories that sell gift cards to other stores (*):

  1. Gas Stations*, Tolls, Drugstores*
  2. Grocery stores*, Home improvement stores*
  3. Gas Stations, Select Streaming Services
  4. Not Announced Yet

chase freedom calendar 2019 quarter 4 october november december

 

Here’s What the Chase Freedom Card Offers

Chase Freedom

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $150 (in the form of 15,000 Ultimate Rewards points) after spending $500 in the first 3 months.
REWARDS
You'll earn 5% on rotating quarterly categories. (up to $1500 in purchases per quarter)
BENEFITS
Points can be transferred to primary Chase cards for better redemptions.
Free credit score.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
This is one of the best "cash back" cards for earning rewards. You can earn up to 5X per dollar and those points can be transferred to a primary Chase card for better redemptions. It's a perfect card to pair with either of the Sapphire cards or the Ink Business Preferred.

 

Did You Know: You Can Multiply the Value of Your Ultimate Rewards?

Not everyone knows about it, but there’s a secret trick that can double the value of your Chase Ultimate Rewards. Chase Ultimate Rewards are worth just 1 cent each when redeemed using the Chase Freedom card.  Even though Chase doesn’t announce it, your Ultimate Rewards points are transferable between different Chase card accounts. They’re even transferable between different peoples’ accounts (household members). This is important because, with some of the premium Chase credit cards, it’s possible to redeem points at a higher value.

 

Double Your Ultimate Rewards Value

If you redeem Chase Ultimate Rewards through the travel portal. Only certain Chase credit cards have access to the travel portal though. The Chase Sapphire Preferred or Chase Ink Preferred offers 1.25 cents per points (25% more value) while the Chase Sapphire Reserve offers a whopping 1.5 cents per point (50% more value) by redeeming points through the travel portal!

Chase Freedom Rewards Calendar

 

Credit Cards with Chase Travel Portal Bonuses:

 

All three of these credit cards also come with the ability to use Chase’s travel transfer partners. You can transfer Ultimate Rewards to these travel partners at a 1:1 ratio. By using your points with airlines or hotels it’s possible to redeem points for well over 2 cents each. Pairing these premium Chase credit cards with your Freedom card multiplies your redemption value by double more.

 

Chase Sapphire Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 60,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 2X points on travel and dining.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfer partner hotels and airlines.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is the best first travel credit card to get. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal.

 

Chase Sapphire Reserve

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 50,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and dining.
BENEFITS
$300 annual travel credit.
Priority Pass Select airport lounge access.
TSA PreCheck or Global Entry.
Points are worth 50% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfers to partner hotels and airlines.
FEES
$450
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is one of the best premium travel credit cards if you want some luxury. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal. The biggest key to this card is the airport lounge access. If you travel a lot, it's extremely valuable.

 

Ink Business Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 80,000 points after spending $5000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and select business expenses (including online social media ads).
*Limited to first $150k per year.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
Employee cards at no additional cost.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
The signup bonus alone for this card is amazing. Pair that with some great rewards earning for your business and this card is great. If you have a business, we find the Ink Preferred to be the best offer available.

 

Past Chase Freedom 5% Calendars

If you’re interested, here’s what was offered in the past. The Chase Freedom calendar’s category bonuses have evolved over the years. For the most part, the offers have become better and better. Having the Chase Freedom in your wallet has been quite the benefit over the past few years if you were able to maximize it’s category bonuses.  Each year it’s possible to earn up to 30,000 points, which is more than enough to take a round-trip flight.

 

Chase Freedom Calendar 2018

2018  was the year of Chase Pay as it was a bonus category three out of four quarters.

  1. Gas Stations, Internet/Cable/Phone Services, Chase Pay/Google Pay/Apple Pay/Samsung Pay
  2. Grocery Stores (not including Walmart & Target), Paypal, Chase Pay
  3. Gas Stations, Lyft, Walgreens
  4. Department Stores, Wholesale Clubs, Chase Pay

Chase Freedom Calendar wide

 

Chase Freedom Calendar 2017

2017 was a good year for maximizing the bonus categories each quarter. It also introduced Walmart as a category bonus in quarter 4:

  1. Gas Stations, Transportation
  2. Grocery Stores, Drugstores
  3. Restaurants, Movie Theaters
  4. Walmart, Department Stores

Chase Freedom Calendar 2017

 

Chase Freedom Calendar 2016

2016 was very similar to the previous year.  It gave a decent shot at reaching the maximum bonus rewards each quarter.  Wholesale clubs were very popular:

  1. Gas Stations, Transportation
  2. Grocery Stores, Wholesale Clubs
  3. Restaurants, Wholesale Clubs
  4. Department Stores, Wholesale Clubs, Drug Stores

Chase Freedom Calendar 2016

 

Chase Freedom Calendar 2015

In 2015 the categories got a little bit better.  There was a real chance of maximizing the category bonuses:

  1. Grocery Stores, Movie Theaters, Starbucks
  2. Restaurants, Bed Bath & Beyond, H&M, Overstock.com
  3. Gas Stations, etc
  4. Amazon.com, etc

Chase Freedom Calendar 2015

 

Chase Freedom Calendar 2014

2014 was a little more useful than 2013, giving customers a better chance of maximizing their bonuses each quarter:

  1. Gas Stations, Movie Theaters, Starbucks
  2. Restaurants, Lowe’s
  3. Gas Stations, Kohl’s
  4. Amazon.com, Zappos.com, Select Department Stores

Chase Freedom Calendar 2014

 

Chase Freedom Calendar 2013

2013 brought us a selection of category bonuses, but some of them were difficult to maximize.

  1. Gas Stations, Drugstores, Starbucks
  2. Restaurants, Movie Theaters
  3. Gas Stations, Theme Parks, Kohl’s
  4. Select Department Stores, Amazon.com

Chase Freedom Calendar 2013

 

As you can see, having a Chase Freedom credit card can pay off. Earning 5X points on many purchases can earn you a free round-trip flight each year or more. When you bundle your Freedom card with other premier Chase credit cards, you can redeem those points for even more. The Chase Ultimate Rewards system is the best in the market. The Chase Freedom is one of the easiest ways to earn Ultimate Rewards. If you don’t have one yet, you should think about adding it to your wallet.

Chase Sapphire Reserve Lounge Access: How to Get It Instantly

chase sapphire reserve lounge

Chase Sapphire Reserve lounge access is obtained through the Chase Sapphire Reserve credit card. The Chase Sapphire Reserve is a premium credit card that comes with an array of travel benefits to allow you to travel in luxury. The card comes with features like 50,000 points as an introductory bonus, a $300 annual travel credit, free Global Entry or TSA PreCheck, and of course access to the Chase Sapphire Reserve lounges.

 

These lounges are also known as Priority Pass Select. Access can be earned by having one of a few different credit cards. While there are a handful of cards that offer Priority Pass Select membership, two of them stand out above the others. The Chase Sapphire Reserve and the Platinum Card from American Express (Learn More). From our reviews, the Chase Sapphire Reserve takes the top spot as the best of the bunch. It offers the most plentiful travel benefits, comes with a great introductory offer, and is good for earning points through purchases.

 

You Can Purchase Priority Pass Access

It’s also possible to buy a Priority Pass membership, but purchased memberships are not nearly as good. Membership through a credit card gives you an exclusive Priority Pass Select, which grants unlimited visits and two free guests included with every visit. If you purchase a Priority Pass membership directly, you are limited on visits and will have to pay $27 per guest.

 

Here are the regular prices for Priority Pass Lounge access:

  • Standard – $99: Includes membership, but each visit costs $27 for the member and $27 per guest.
  • Standard Plus – $249: Includes 10 free member visits ($27 per visit thereafter). $27 per guest.
  • Prestige – $399: Unlimited member visits. $27 per guest.
  • Select – (exclusive credit card benefit): Unlimited member visits. 2 free guests on every visit.

Priority Pass Membership Travel Smarter and without stress, regardless of your airline or ticket class. Become a member today of the world's largest airport lounge access program. Priority Pass Membership

 

How to Easily Gain Chase Sapphire Reserve Lounge Access for Free

The easiest and best way to get Chase Sapphire Reserve lounge access (aka Priority Pass lounges) is by applying for the Chase Sapphire Reserve credit card. As mentioned before, it comes with a ton of valuable travel benefits as well as the lounge access. The annual fee is high on this luxury credit card, but for good reason. It comes with enough luxurious benefits to far outweigh the fee.

 

Chase Sapphire Reserve

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 50,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and dining.
BENEFITS
$300 annual travel credit.
Priority Pass Select airport lounge access.
TSA PreCheck or Global Entry.
Points are worth 50% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfers to partner hotels and airlines.
FEES
$450
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is one of the best premium travel credit cards if you want some luxury. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal. The biggest key to this card is the airport lounge access. If you travel a lot, it's extremely valuable.

 

Instantly earn Chase Sapphire Reserve lounge access.  Learn more about this card and find out how to apply HERE.

 

Chase Sapphire Reserve Lounge Value

As you can see above, membership to Priority Pass lounges (if purchased directly) will cost $399. With Priority Pass Select through the Chase Sapphire Reserve, you will have an even better membership, which could easily be valued at $500. Chase Sapphire Reserve lounge access alone is worth more than the annual fee of the credit card. On top of lounge access, you’ll receive even more travel value from the rest of the benefits. Together, the benefits are valued well over $2000! Obviously, you will only get as much value out of the lounge access as you can use it. This credit card is for people who travel often.

 

Other Chase Sapphire Reserve Benefits

  • Large Introductory Offer

These Chase Ultimate Rewards can go a long way when used for travel. If used in the Ultimate Rewards travel portal, Chase Sapphire Reserve cardholders get 50% more value out of their points. This means that points can be redeemed for 1.5 cents per point, raising the value of your intro offer. If you want to get even more value out of your points, you can transfer them to one of the many travel transfer partners (hotels or airlines). By transferring points and redeeming them for flights or hotels, you can often get a redemption value of more than 2 cents per point. Going this route can make the introductory offer points worth over $1000.

 

  • $300 Travel Statement Credit

Obviously, this statement credit is worth a total of $300. It is incredibly easy to use and basically works on anything you can imagine that has to do with travel. I even paid off a parking ticket with my Chase Sapphire Reserve and it went toward the travel credit. I don’t advise getting parking tickets to try it out… It has also been reported that some airline and hotel gift cards can be credited as well. Some purchases that should be reimbursed through the travel statement credit are airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.

 

  • Global Entry or TSA PreCheck Membership

When you purchase a membership to either service you will be credited up to $100. This is enough to cover the complete five-year membership. This is one of the best and most affordable perks in the airline industry. Global Entry and TSA PreCheck allow you to go through airport security quickly, without having the empty your bags or take off your shoes. It helps make travel much more relaxing. The longest I’ve ever waited in line to go through security with TSA PreCheck is about five minutes. This Chase Sapphire Reserve benefit is valued at up to $100 (TSA PreCheck is only $85).

 

These three benefits along with the Chase Sapphire Reserve lounge access can make up for what you pay in an annual fee and then some. Together, the benefits of the card can be worth more than $2000, which is an extraordinary offer.

chase sapphire reserve card lounge

 

How to Enroll Your Priority Pass Membership

Never spend your layover uncomfortable in the terminal again. After you’ve been approved for your Chase Sapphire Reserve credit card you’ll have to enroll online before gaining access to any Chase Sapphire Reserve lounge. You’ll only have to enroll once. Your Priority Pass Select membership will renew each year and they will automatically send you a new Priority Pass card as long as you keep your Chase Sapphire Reserve. If you cancel your credit card, your Priority Pass access will immediately end. To enroll for free, follow these simple steps:

  • Go to Chase Ultimate Rewards and log in
  • Click “Earn Points”
  • Then click “Card Benefits”
  • Under the “Airport Lounge Access” tab, click “Activate Now”
  • Wait for your Priority Pass Select card to arrive in the mail. It usually takes about a week.

 

What to Expect in a Chase Sapphire Reserve Lounge (Priority Pass)

You can expect luxury when you enter a Chase Sapphire Reserve Lounge. Even the less luxurious lounges offer free drinks, a comfortable place to sit down away from the hustle and bustle of airport terminals, and usually some snacks at a minimum. Below are the amenities offered at a typical Priority Pass lounge.

 

Most Chase Sapphire Reserve lounges have the following general amenities:

  • Digital Membership Card Option
  • Free Wifi
  • Drinks & Snacks
  • Alcoholic Drinks
  • TV’s
  • Internet Data Ports
  • Newspapers & Magazines
  • Disabled Access

Some lounges even provide:

  • Showers
  • Conference Rooms (subject to a fee)

 

At Priority Pass restaurants, instead of getting lounge access, you’ll receive a credit of $28 for yourself and one guest off your final bill. That means if you and a guest go to a Priority Pass lounge together, your Priority Pass Select will allow you to receive $56 off. At most of the Priority Pass restaurants, that’s enough to cover the complete bill.

chase sapphire reserve lounge access

 

Chase Sapphire Reserve Lounge Locations

With over 1200 loungest worldwide and nearly 80 Priority Pass locations in the United States, it’s likely that you’ll find a lounge in the majority of airports you’ll visit. In recent years, they’ve also added some great restaurants to the list. When visiting a restaurant with your Priority Pass Select, you’ll receive $28 of food/drink in place of lounge “access”. At some of the locations, you really have to splurge to use the full allotted amount. In addition to my meal, I usually have enough left over credit to grab a drink and a snack for my flight when I visit a Priority Pass restaurant.

 

Anchorage, AK (ANC)

Alaska Lounge

Location: Concourse C (near Gate C1)
Hours: Mon-Sun, 5:00am – 1:00am

 


Atlanta, GA (ATL)

Minute Suites

Location: Concourse B, Airside (near Gate B16)
Hours: Mon-Sun, 24hrs (subject to space constraints)
*Cardholders receive complimentary access to a suite for 1 hr; discounted rates ($28/hr) for each subsequent hour

Minute Suites

Location: Concourse T, Airside (near Gate T8)
Hours: Mon-Sun, 24hrs (subject to space constraints)
*Cardholders receive complimentary access to a suite for 1 hr; discounted rates ($28/hr) for each subsequent hour

The Club at ATL

Location: International Terminal, Concourse F, Airside, Mezzanine Level (next to the Chapel)
Hours: Mon-Sun, 6:00am – 10:30pm

 


Baltimore, MD (BWI)

The Club BWI

Location: Concourse D, Airside Upper Level (near Dunkin Donuts at Gate D10)
Hours: Mon-Sun, 4:15am – 10:30pm (3hr stay max)

 


Boston, MA – Logan International (BOS)

Stephanie’s (Restaurant)

Location: Terminal B, Airside After Security, Departures Level (opposite Gate B24)
*Domestic Flights Only
Hours: Mon-Sun, 4:30am – 30min prior to last scheduled flight

The Lounge

Location: Terminal C, Airside First Floor, Concourse Level (across from Gate C19)
*Not accessible from Gates 40-42
Hours: Mon-Sun, 6:00am – 11:00pm (subject to space constraints, in particular 4:00pm – 8:00pm)

Jerry Remy’s Sports Bar And Grill (Restaurant)

Location: Terminal C, Landside Before Security, Departures Level (opposite Alaska Airlines’ check-in counter)
Hours: Mon-Sun,  2:00pm – 8:00pm (cardholders will not be admitted outside of these hours; also subject to space constraints)

Air France Lounge

Location: Terminal E, Airside (turn right after security toward Gate 4; elevator or stairs to lounge)
Hours: Mon-Sun, 11:30am – 11:30pm (3hr stay max)

The Club

Location: Terminal E, after Security (take the elevator down 1 level)
Hours: Mon-Sun, 5:30am – 1:00am

 


Charlotte, NC (CLT)

Minute Suites

Location: Airside, Main Atrium (next to the Food Court)
Hours: Mon-Sun, 24hrs (subject to space constraints)
*Cardholders receive complimentary access to a suite for 1 hr; discounted rates ($28/hr) for each subsequent hour.

 


Chicago, IL (ORD)

Air France/KLM Lounge

Location: International Terminal 5, Airside (between Gates M8 & M7 on the left)
*T5 passengers only; smart-casual dress at all times (no shorts, vests, baseball caps, or football shirts)
Hours: Tue-Fri & Sun: 8:15am – 12am, Mon & Sat: 8:15am – 9:30pm (3hr stay max)
(subject to space constraints, in particular 10:30am – 3:00pm & 5:00pm – 7:30pm)

Swissport Lounge

Location: International Terminal 5, Airside (between Gates M8 & M7 on the right)
*T5 passengers only
Hours: Mon-Sun, 12:00pm – 9:30pm

 


Cincinnati, OH (CVG)

The Club at CVG

Location: Concourse A (between Gates A8 & A10)
Hours: Mon-Sun, 6:00am – 8:00pm

 


Cleveland, OH (CLE)

Bar Symon (Bar/Restaurant)

Location: Concourse C, Airside (between Gates C4 & C6)
Hours: Sun-Fri: 4:00am – 8:00pm, Saturday: 4:00am – 7:30pm

 


Colorado Springs, CO (COS)

Mortgage Solutions Financial Premier Lounge

Location: Airside (adjacent to Gate 6)
Hours: Mon-Sun, 4:30am – last scheduled flight departure

 


Dallas, TX (DFW)

Minute Suites

Location: Terminal A (near Gate A38)
Hours: Mon-Sun, 24hrs (subject to space constraints)
*Cardholders receive complimentary access to a suite for 1 hr; discounted rates ($28/hr) for each subsequent hour

Minute Suites

Location: Terminal D, Airside (near gate D23)
Hours: Mon-Sun, 24hrs (subject to space constraints)
*Cardholders receive complimentary access to a suite for 1 hr; discounted rates ($28/hr) for each subsequent hour

The Club at DFW

Location: Terminal D, Airside (adjacent to Gate D22, through “Airline Clubs” double doors, take elevator to 5th floor)
Hours: Mon-Sun, 4:00am – 10:30pm (subject to space constraints, in particular after 1:00pm)

 


Denver, CO (DEN)

Timberline Steaks & Grille (Restaurant)

Location: Concourse C, Airside, Center Core on the Left
Hours: Mon-Sun, 6:00am – 9:00pm

 


Detroit, MI – Detroit Metropolitan Airport (DTW)

Lufthansa Business Lounge

Location: North Terminal, Airside (next to Gate D8)
Hours: Mon-Sat: 5:00am – 6:30pm*, Sunday:   11:00am – 6:30pm*

 


Greenville-Spartanburg (GSC)

RJ Rockers Flight Room (Restaurant)

Location: Airside, After Security (near Gate B3)
Hours: Mon-Sun, 3:30am – last scheduled flight departure

 


Honolulu, HI (HNL)

The Plumeria Lounge

Location: Inter-Island Terminal, Airside, 3rd Floor (near Wiki Wiki shuttle pick up)
*Not accessible for Arrivals
Hours: Mon, Weds, Fri, Sat: 9:00am – 6:00pm; Tues, Thurs, Sun: 9:00am – 9:30pm
(subject to space constraints)

IASS Hawaii Lounge

Location: Overseas Terminal, Airside, Proceed to Garden Court (towards Gates 14-23, elevator to ground level & follow signs)
Hours: Mon-Sun, 7:30am – 1:30pm & 2:00pm – 6:00pm

 


Houston, TX (IAH)

Cadillac Mexican Kitchen & Tequila Bar (Restaurant)

Location: Terminal A, Airside (near Gate A17)
Hours: Mon-Sun, 6:00am – 10:00pm (subject to space constraints)

Landry’s Seafood (PP Restaurant)

Location: Terminal C, Airside (near Gate C42)
Hours: Mon-Sun, 6:00am – 10:00pm (subject to space constraints)

Air France Lounge

Location: Terminal D, Airside (opposite Gate D12)
Hours: Mon-Sun, 12:00pm – 5:00pm (3hr stay max; subject to space constraints)

KLM Crown Lounge

Location: Terminal D, Airside (near Gate D8)
Hours: Mon-Sun, 6:00am – 9:00pm (subject to space constraints; 3hr stay max)

 


Indianapolis, IN (IND)

The Fan Zone (Bar/Restaurant)

Location: Airside, After Security (Near Gate B17)
Hours: Mon-Sun, 8:00am – last scheduled flight departure

 


Las Vegas, NV (LAS)

The Club at LAS

Location: Terminal 1, Concourse D, Airside, 2nd Level (above Red Line train station, left behind Sugar Factory & Jamba Juice)
Hours: Mon-Sun, 5:00am – 12:30am

The Club at LAS

Location: Terminal 3, Airside (across from Gate E2)
Hours: Mon-Sun, 5:00am – 12:00am

 


Lexington, KY (LEX)

Kentucky Ale Taproom (Bar/Restaurant)

Location: Airside, After Security, Near Concourse D Entrance
Hours: Mon-Sun, 5:00am – last scheduled flight departure

 


Los Angeles, CA (LAX)

Virgin Atlantic Clubhouse

Location: Terminal 2, Airside, Level 4 (above departure gates)
Hours: Mon-Sun, 5:30am – 10:45am (no cardholders admitted into the lounge outside of these hours; 3hr stay max)

Alaska Lounge

Location: Terminal 6, Airside, Mezzanine Level (near Gate 64)
Hours: Mon-Sun, 5:00am – 11:00pm

KAL Lounge

Location: Tom Bradley Intl Terminal, Airside (follow signs to All Gates, turn left before Duty-Free, elevator to 5th floor)
Hours: Mon-Sun, 12:00pm – 8:00pm (hours may vary according to KAL international flight schedules; subject to space constraints)

P.F.Chang’s (Restaurant)

Location: Tom Bradley Intl Terminal, Airside (Mezzanine Level)
*International flights only.
Hours: Mon-Sun, 11:00am – 11:00pm

 


McAllen, TX (MFE)

Salon Aeromar

Location: Landside – behind the Aeromar Check-in counters
Hours: Sun, Mon, Wed-Fri: 9:00am – 5:00pm, Tue closed (3hr stay max)

 


Miami, FL (MIA)

Air Margaritaville

Location: Central Terminal, Concourse E, Landside (departures level by door 11)
Hours: Mon-Sun, 6:00am – 11:00pm (subject to space constraints)

Viena (Restaurant)

Location: Central Terminal, Concourse E, Landside (Level 2, Miami Intl Airport Hotel elevator to 7th floor, follow signs)
Hours: Mon-Sun, 11:00am – 12:00am (subject to space constraints)

Club America F

Location: Central Terminal, Concourse F, Airside (follow signs to lounge, 3rd floor)
*Customers on international flights only
Hours: Mon-Sun, 7:30am – 9:00pm (hours may vary according to flight schedules)

Corona Beach House (Restaurant)

Location: North Terminal, Concourse D, Airside (Between Gates D23 & D24)
Hours: Mon-Sun, 6:30am – 10:00pm

Avianca VIP Lounge

Location: South Terminal, Concourse J, Airside (Gate J4, escalator to 3rd floor, turn left & left, end of the hall)
Hours: Mon-Sun, 24hrs (subject to space constraints)

VIP Lounge Miami

Location: South Terminal, Concourse J, Airside (near gate J5)
*Dress code applicable (no shorts or sandals)
Hours: Mon & Tues: 12:00pm – 3:00pm; Weds – Sun: 4:00am – 3:00pm

 


Minneapolis/St. Paul, MN (MSP)

PGA MSP Lounge

Location: Terminal 1, Airside, North End of Airport Mall (stairs btwn Ike’s & French Meadow to Mezzanine Level; can also take elevator inside Ike’s)
Hours: Mon-Fri: 7:00am – 8:00pm, Sat & Sun: 8:00am – 7:00pm (3hr stay max)

 


New York/Newark, NJ (EWR)

Air Canada Maple Leaf Lounge

Location: Terminal A, Airside (after security checks, near Air Canada departure gates)
Hours: Mon-Sun, 5:00am – 3:00pm

Art & Lounge

Location: Terminal B, Landside, Gate Level before Security (between Gates B2 & B3 or Gates 50 & 60)
Hours: Sun-Fri, 9:00am – 11:30pm (may be subject to space constraints btwn 3:00pm – 7:00pm; 3hr stay max)

Virgin Atlantic Clubhouse

Location: Terminal B, Airside, After Security (Gates B51 – B57, Elevator on Right to Airline Lounges)
Hours: Mon-Sun, 2:00pm – 6:00pm (cardholders will not be admitted outside of these hours; max stay 3 hrs, also subject to space constraints)

 


New York, NY (JFK)

Air France Lounge

Location: Terminal 1, airside (near Air France boarding area by Gate 1)
Hours: Mon-Sun, 6:00am – 1:30pm & 11:00pm – 1:30am (3hr stay max)

KAL Business Class Lounge

Location: Terminal 1, Airside after security (right-hand side across from Gate 3)
*Passengers with Terminal 1 boarding pass only
Hours: Mon-Sun, 2:00pm – 8:30pm (subject to space constraints)

Wingtips Lounge

Location: Terminal 4, Airside, turn right after security (lounge on the left ~100 meters down)
*Dress code applicable (shoes & shirts required; no baseball caps)
Hours: Mon-Sun, 24 hrs (may be restricted btwn 5:00pm – 1:00am due to space constraints; 4hr stay max )

Alaska Lounge

Location: Terminal 7, Airside after security (mezzanine level)
Hours: Sun-Fri: 5:00am – 10:00pm; Sat 5:00am – 5:00pm
(3hrs prior to scheduled departure, subject to space constraints)

Bobby Van’s Steakhouse (Restaurant)

Location: Terminal 8, Airside after security (opposite Gate 14)
Mon-Sun: 6:00am – 10:00pm

 


Orlando, FL (MCO)

The Club MCO

Location: Airside, from Gates 1-29 (adjacent to XpresSpa)
Hours: Mon-Sun, 5:00am – 11:00pm

The Club MCO

Location: Airside, from Gates 70-99 (next to InMotion store, near Gate 91)
Hours: Mon 6:00am – 10:30pm, Tue-Sun 6:00am – 9:00pm

 


Orlando, FL (SFB)

The Royal Palm Lounge

Location: Terminal A, Airside, Intl Departure Lounge (adjacent to Budweiser Tap Room)
Hours: Lounge opens 3 hrs prior to first scheduled flight departure; closes after last scheduled departure or 11:00pm, whichever comes first.

 


Philadelphia, PA (PHL)

Minute Suites

Location: Terminal B, Airside, between Concourses A & B (in AB connector)
Hours: Mon-Sun, 24hrs (subject to space constraints)
*Cardholders receive complimentary access to a suite for 1 hr; discounted rates ($28/hr) for each subsequent hour

 


Phoenix, AZ (PHX)

The Club at PHX

Location: Terminal 4, Airside, end of N4 Concourse (Gates B15-B28)
*Only passengers on international & domestic flights arriving/departing from T4
Hours: Mon-Sun, 5:00am – 11:30pm (3hr stay max)

 


Pittsburgh, PA (PIT)

The Club

Location: Concourse C, Airside (across from Gate C52)
Hours: Mon-Sun, 4:00am – 9:00pm

 


Portland, OR (PDX)

Alaska Lounge

Location: Concourse C, Airside (across from Gate C5)
Hours: Sun-Fri: 4:30am – 10:30pm, Sat: 4:30 – 9:00pm (subject to space constraints)

Capers Cafe Le Bar (Bar/Restaurant)

Location: Concourse C, Airside (immediately after security on L)
Hours: Mon-Sun, 4:00am – 10:30pm

House Spirits Distillery (Bar/Restaurant)

Location: Concourse C, Airside (near Gate 6)
Hours: Mon-Sun, 5:00am – 10:00pm

 


San Francisco, CA (SFO)

Air France/KLM Lounge

Location: International Terminal, Concourse A, Airside (first left after TSA)
*Only passengers on flights departing Concourse A
Hours: Mon-Sun, 6:45am – 12:15am (3hr stay max)

San Francisco Giants Clubhouse (Restaurant)

Location: Airside, Concourse F (near Gate 82)
Hours: Mon-Sun, 5:00am – 11:00pm (subject to space constraints)

Yankee Pier (Restaurant)

Location: Airside, Concourse F (near Gate 72)
Hours: Mon-Sun, 5:00am – 11:00pm (subject to space constraints)

 


San Jose, CA (SJC)

The Club at SJC

Location: Terminal A, Airside, 3rd Level (across from Gate 15)
Hours: Mon-Sun, 5:00am – 10:00pm

 


Seattle, WA (SEA)

The Club at SEA

Location: Concourse A, Airside (across from Gate A11)
Hours: Mon-Sun, 7:00am – 12:00am

The Club at SEA

Location: South Satellite, Airside (next to Gate S9)
Hours: Mon: 5:30am – 6:00pm, Tue-Sun: 6:00am – 5:30pm
(access may be restricted between 10:00am – 2:00pm; subject to space constraints)

 


St. Louis, MO (STL)

The Pasta House (Restaurant)

Location: Terminal 1, Lower Level, Pre-Security (close to Baggage Claim)
Hours: Sun-Fri: 10:00am – 8:00pm, Saturday: 10:00am – 6:00pm

The Pasta House & Schlafly Beer (Restaurant)

Location: Terminal 2, Airside, Upper Level (right side, opposite Gate E6)
Hours: Sun-Fri: 6:00am – 10:00pm, Saturday: 6:00am – 6:00pm

 


Syracuse, NY (SYR)

Johnny Rockets (Restaurant)

Location: Airside Connector, after Security (turn left, towards North Concourse B)
Hours: Mon-Sun, 10:30am – 7:00pm (subject to space constraints)

 


Tampa, FL (TPA)

The Café by Mise en Place (Restaurant)

Location: Airside F (directly in front of security checkpoint by gate F85)
Hours: Mon-Sun, 4:30am – last flight departure daily

 


Tucson, AZ (TUS)

Noble Hops (Restaurant)

Location: Landside, 2nd Floor (opposite the “Arroyo Trading Post”)
*Domestic Flights Only
Hours: Mon-Sun, 5:00am – 8:00pm (subject to space constraints)

 


Washington, DC (IAD)

Air France/KLM Lounge

Location: Concourse A, Airside (opposite Gate A22)
Hours: Mon-Sun, 7:00am – 3:00pm & 7:00pm – 8:30pm (subject to space constraints; 3hr stay max)

Virgin Atlantic Clubhouse

Location: Between Concourses A & B, Airside (in front of Gate A32)
Hours: Mon-Sun, 6:00am – 1:30pm (no cardholders admitted outside of these hours; 3hr stay max)

British Airways Galleries Lounge

Location: Concourse B, Airside, Concourse Level
Hours: Mon-Sun, 7:00am – 2:00pm

Turkish Airlines Lounge Washington

Location: Concourse B, Airside (near Gate B43)
Hours: Mon-Sun, 6:00am – 11:00pm (4hr stay max)

Chef Geoff’s (Restaurant)

Location: Concourse C, Airside (near gate C14)
Hours: Mon-Sun, 6:00am – 10:00pm
(subject to space constraints)

 


Washington, DC (DCA)

Bracket Room (Restaurant)

Location: Terminal B, Airside (opposite Gate 12)
Hours: Mon-Sun, 5:00am – 9:00pm (subject to space constraints)

American Tap Room (Restaurant)

Location: Terminal C, Airside (near Gates 35-45)
Hours: Mon-Sun, 5:00am – 10:00pm (subject to space constraints)

 

An easy way to find a Chase Sapphire Reserve lounge while traveling through airports is to download the LoungeBuddy app (enter code JnSjMo28aP “Credit” to get a $10 credit to purchase lounge access) to your phone. It’s easy to use. When you arrive at your airport, just open the app and it will tell you what lounges are available and whether you have access through Priority Pass Select. If there is no Chase Sapphire Reserve Lounge at that airport, you may be able to purchase access using the app (and that $10 credit).

chase sapphire reserve lounges

 

Other Credit Cards Offering the Same Lounge Access

The Chase Sapphire Reserve isn’t the only credit card that offers chase sapphire reserve lounge access through Priority Pass Select. The most popular other credit cards that offer this type of lounge access are the Platinum Cards from American Express and the Citi Prestige card. The Amex Platinum cards also come with Global Lounge access, which adds even more airport lounge opportunity. Note that the other benefits of these cards don’t quite match those of the Chase Sapphire Reserve. They’re very close though.

 

Amex Platinum Card

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 60,000 Membership Rewards points after you spend $5,000 in the first 3 months.
REWARDS
You’ll earn 5X points on flights booked directly with airlines or through American Express Travel. You’ll earn 5X points on prepaid hotels booked on amextravel.com.
BENEFITS
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month (bonus $20 in December).
Enjoy access to the exclusive Global Airport Lounge Collection.
$200 Airline Fee Credit, up to $200 every calendar year with one qualifying airline. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your card. Enrollment required.
Fine Hotels & Resorts Access.
Hilton & Marriott Gold Status.
Discounts on First/Business/Premium Economy tickets.
FEES
$550 annual fee.
No foreign transaction fees.
Terms Apply
TRAVEL FREEDOM THOUGHTS
With a large introductory offer, statement credits, and airport lounge access, this is an excellent premium travel credit card.

 

Instantly earn Chase Sapphire Reserve lounge access plus more. Learn more about this card and find out how to apply HERE.

 

Amex Business Platinum Card

LEARN HOW TO APPLY >>
INTRODUCTORY OFFER
You’ll earn up to 100,000 Membership Rewards points. 50,000 after you spend $10,000 in the first 3 months, and another 50,000 Membership Rewards after spending an additional $15,000 in the first 3 months.
REWARDS
You’ll earn 5X points on flights booked directly with airlines or through American Express Travel. You’ll earn 5X points on prepaid hotels booked on amextravel.com.
Earn 50% more points on purchases over $5000. (up to 1 million bonus points.)
BENEFITS
$200 airline credit.
Global Lounge Collection access.
TSA PreCheck or Global Entry
Get 35% back when booking a flight with Membership Rewards on a select airline.
Two $100 statement credits from Dell annually.
1 year of Platinum Global access to WeWork. (enrollment through 2019)
FEES
$595 annual fee.
No foreign transaction fees
Terms Apply
TRAVEL FREEDOM THOUGHTS
If you have many high ticket purchases yearly, this card will earn you a good percentage back. The WeWork membership could be very valuable, if you need a place to work for a year.

 

Instantly earn Chase Sapphire Reserve lounge access plus more. Learn more about this card and find out how to apply HERE.

 

Our Concluding Takeaways: Chase Sapphire Reserve Lounge Access is Worth It

If you want to travel more luxuriously, having Chase Sapphire Reserve lounge access is one of the best ways to do it. The easiest ways to gain access to Priority Pass lounges are by getting the Chase Sapphire Reserve or American Express Platinum credit cards. Both have excellent premium benefits, but the Sapphire Reserve is slightly better and has a lower annual fee. Once you start traveling luxuriously with things like lounge access and priority security, you’ll never want to travel without them.

How to Gain Free Centurion Lounge Access in One Easy Step

Have you ever heard of an American Express Centurion Lounge before? They’re known to be the most elite airport lounge brand of them all. If you travel regularly, you’ve probably at least noticed an airport lounge before. They look like a place where only business travelers and the rich are allowed to set foot in. Looks can be deceiving. There are other ways to gain access to these exclusive lounges where members receive free drinks and food in a more luxurious setting than the airport terminal.

 

The easiest and least expensive way to gain access to airport lounges is through premier travel credit cards. There are a handful of credit cards that offer the benefit of complimentary airport lounge access. Two of those cards offer the elite Centurion Lounge access.

centurion lounge access

 

What is a Centurion Lounge?

A Centurion Lounge is an exclusive room that members can enter while traveling. Inside they will be greeted with comfortable places to sit and lounge, TV’s to watch, newspapers to read, workspaces with computers and printers, and of course, amazing food and drinks that come complimentary.

  • Free high-speed Wi-Fi
  • Lounge pods
  • Computer workspaces
  • Printers
  • Large televisions
  • Premium cocktail bars
  • Showers
  • Buffet style dining at breakfast, lunch, and dinner

 

While most other lounges have just snacky type food, Centurion Lounges have full on cooked buffet’s that are prepared by chefs and have ever-changing menus. An example of a typical meal available in Centurion Lounges is a menu of fried chicken, wild rice, fresh bruschetta, Brussel sprouts, side salads, and vegetables, with chocolate chip cookies for dessert.

centurion lounge

 

Of course, you’ll find typical drink choices like beer, wine, and cocktails available at the bar, but you’ll also find a menu of specially designed mixed drinks from renowned mixologist Jim Meehan. The drinks are designed around the Centurion Lounge location with recipes like the “Tex Mex” (Tito’s Vodka, Cabeza Blanco tequila, corn, honey, lime, and jalapeno) at DFW in Dallas or the “Big Apple” (Zubrowka Bison Grass vodka, Doc’s draft hard apple cider, Yellow Chartreuse, Miracle Mile celery bitters) at LGA in New York City.

 

Food and drinks aren’t the only amenities you’ll find at a Centurion Lounge. Some of the Centurion Lounge locations even offer professional spa treatments like massages, skin treatments, and manicures. Yes, these amenities are included too. Once you’re in a Centurion Lounge, what you see is what you get, included. You are free to tip as you’d like but per American Express, it is not expected.

 

How to Get Centurion Lounge Access

Unfortunately, Centurion membership cannot be bought. Gaining Centurion Lounge access can be had in only one way. By applying for one of two American Express credit cards that exclusively offer Centurion lounge access. These two cards are the Platinum Cards by American Express that are offered in a personal and business version. The cards not only come with Centurion Lounge access but also have an array of great travel benefits.

 

Amex Platinum Card

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 60,000 Membership Rewards points after you spend $5,000 in the first 3 months.
REWARDS
You’ll earn 5X points on flights booked directly with airlines or through American Express Travel. You’ll earn 5X points on prepaid hotels booked on amextravel.com.
BENEFITS
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month (bonus $20 in December).
Enjoy access to the exclusive Global Airport Lounge Collection.
$200 Airline Fee Credit, up to $200 every calendar year with one qualifying airline. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your card. Enrollment required.
Fine Hotels & Resorts Access.
Hilton & Marriott Gold Status.
Discounts on First/Business/Premium Economy tickets.
FEES
$550 annual fee.
No foreign transaction fees.
Terms Apply
TRAVEL FREEDOM THOUGHTS
With a large introductory offer, statement credits, and airport lounge access, this is an excellent premium travel credit card.

 

Instantly earn Centurion Lounge access plus more. Learn more about this card and find out how to apply HERE.

 

Amex Business Platinum Card

LEARN HOW TO APPLY >>
INTRODUCTORY OFFER
You’ll earn up to 100,000 Membership Rewards points. 50,000 after you spend $10,000 in the first 3 months, and another 50,000 Membership Rewards after spending an additional $15,000 in the first 3 months.
REWARDS
You’ll earn 5X points on flights booked directly with airlines or through American Express Travel. You’ll earn 5X points on prepaid hotels booked on amextravel.com.
Earn 50% more points on purchases over $5000. (up to 1 million bonus points.)
BENEFITS
$200 airline credit.
Global Lounge Collection access.
TSA PreCheck or Global Entry
Get 35% back when booking a flight with Membership Rewards on a select airline.
Two $100 statement credits from Dell annually.
1 year of Platinum Global access to WeWork. (enrollment through 2019)
FEES
$595 annual fee.
No foreign transaction fees
Terms Apply
TRAVEL FREEDOM THOUGHTS
If you have many high ticket purchases yearly, this card will earn you a good percentage back. The WeWork membership could be very valuable, if you need a place to work for a year.

 

Instantly earn Centurion Lounge access plus more. Learn more about this card and find out how to apply HERE.

 

If you’re a frequent traveler, the Centurion lounge access alone can make up for the annual fee of either Amex Platinum credit card, but they come with a bunch of very valuable benefits. The travel benefits offered by either of these cards are easily worth over $1000 in value.

 

I value the introductory offers at more than $1000 because you can often redeem them for at least two cents per point through Amex travel transfer partners. The statement credits are worth about $500 together. Even though the annual fee can look to be very high and be a mental hurdle to get over, it’s a no-brainer when it comes to the value you’ll receive in return.

 

Centurion Lounge Locations

There are nine Centurion lounges worldwide, with eight of those being in the United States. American Express has three more lounges in the works, all of which should open in 2019. There are also another six international lounge locations and two arena locations that Amex Platinum cardholders have access to.

centurion lounge san francisco

 

Las Vegas Centurion Lounge (LAS)

Location: Concourse D, opposite Gate D1

Hours: 5:00 AM to 12:00 AM

 

Dallas-Fort Worth Centurion Lounge (DFW)

Location: Terminal D, opposite Gate D17 on the upper level
Hours: 5:30 AM to 10:00 PM

 

San Francisco Centurion Lounge (SFO)

Location: Terminal 3, Boarding Area F, opposite Gate 75 on the mezzanine level
Hours: 5:00 AM to 11:00 PM

 

New York-La Guardia Centurion Lounge (LGA)

Location: Terminal B, pre-security, third level
Hours: 6:00 am to 8:00 pm

 

Miami Centurion Lounge (MIA)

Location: North Terminal, Concourse B, 4th floor, across from Gate D14
Hours: 5:00 AM to 11:00 PM

 

Houston Centurion Lounge (IAH)

Location: Terminal D, near Gate D6
Hours: 5:30 AM to 9:00 PM

 

Seattle Centurion Lounge (SEA)

Location: Concourse B, near Gate B3
Hours: 5:00 AM to 10:00 PM

 

Hong Kong Centurion Lounge (HKG)

Location: Just before Gate 60, take the escalators or lift up to the 7th Floor, follow the signs to the lounge entrance
Hours: 5:30 AM to 12:30 AM

 

Philadelphia Centurion Lounge (PHL)

Location: Near Gate A14
Hours: 5:00 AM to 9:00 PM

 

Centurion Lounge Future Locations

As mentioned above, there are three Centurion Lounges being worked on for future locations. Denver, Los Angeles, and New York will be getting the newest and likely most lavish Centurion lounges in the near future. All three lounges will be very large and all three will likely include a spa inside.

 

Denver Centurion Lounge (DEN)

The DEN Centurion lounge is expected to be 14,650 square feet and will include all of the Centurion lounge basics, plus even more. It will feature a premium cocktail bar, high-speed internet, hot food buffet, showers, a family room, phone rooms, and a tranquility area for sleeping. On top of those amenities, the Denver Centurion lounge will have a spa (like DFW and MIA). It will also offer local beer and wine tastings within the lounge.

 

Los Angeles Centurion Lounge (LAX)

The LAX Centurion lounge is expected to be 13,900 square feet and will offer the typical luxurious amenities of all Centurion lounges. It will feature a full cocktail bar, a hot food buffet, and showers. The Los Angeles Centurion lounge location will also feature a spa, a family room, and a “tranquility area” with a mix of bright and dimly lit areas specially designed to help travelers adjust to new time zones.

 

New York City Centurion Lounge (JFK)

Coming in at an expected 15,000 square feet, the JFK Centurion lounge will be the biggest Amex lounge in their Global Lounge portfolio. It will occupy two levels in terminal 4 at JFK in New York City. While the exact details have not been officially announced, the New York Centurion Lounge should open in early 2019. The lounge will supposedly have extravagant views of the JFK airfield and extraordinary amenities. The amenities will include a complimentary bar, a food buffet, showers, soundproof workspaces, and likely much more. With that amount of space, I wouldn’t be surprised to see a spa as well.

centurion lounge miami

 

Centurion Clubs & Platinum Lounges at International Airports

American Express also has a few international lounges that are accessible for Amex Platinum cardholders. They include the Centurion Clubs and Platinum Lounges located in the following airports:

  • Mexico City (MEX)
  • Buenos Aires (EZE)
  • Rio De Janeiro (SDU)
  • Sao Paulo (CGH)
  • Mumbai (BOM)
  • Delhi (DEL)

 

Centurion Suite Locations in Arenas

American Express has expanded their lounge locations from exclusively in airports to other stadiums and arenas. Literally, professional basketball arenas to be exact. There are now lounges, which American Express is calling Centurion Suites, in both the Barclays Center in Brooklyn and the Staples Center in Los Angeles. They also had a Centurion Suite at the 2018 US Open Tennis Championship.

 

At the two arena Centurion Suites, food and drinks are not complimentary but you may have more options than the stadium food. At both locations, there are a limited amount of people who will get access to the lounge and it is on a first come first served basis. You’ll likely need to arrive at the arena when it opens to get access.

 

Amenities in the Centurion Suites

  • Premium Food & Beverages
  • Dedicated Servers
  • Flat-Screen TVs
  • Limited Seating with a View of the Event
  • Complimentary Wi-Fi Access
  • Phone Charging Stations

centurion lounge lga

 

Our Concluding Takeaway: Amex Platinum is Worth Getting for Access to Centurion Lounges

If it’s luxury travel you’re looking for, access to the Centurion lounges is the perfect way to both start and end your vacation the right way. With an American Express Platinum card you’ll be living a life of luxury the minute you walk into the airport. It gives you both lounge access and priority security so forget having to sit in the crowded, dirty, and expensive airport terminal. Say hello to traveling with comfy seating, amazing complimentary food, custom cocktails and sometimes even spa treatments.

 

My wife used to call me a “princess traveler” when I first told her about airport lounge access. Now she complains if we’re at an airport that doesn’t have such lounges. Once you get used to traveling in luxury with things like lounge access, it’s hard to go back to the life of a peasant traveler. Go get an Amex Platinum to try it out for yourself. I’ll bet you won’t ever want it to end!

Chase Transfer Partners: Learn to Maximize Your Ultimate Rewards

chase transfer partners

You probably know by now that Chase Ultimate Rewards are the most valuable loyalty or reward point system of them all. The reason that they’re so valuable is that they’re the most flexible. When redeeming Ultimate Rewards, there are three options. The best redemption option is to convert points to the Chase transfer partners. There are 9 Chase airline partners and 3 Chase hotel partners. Ultimate Rewards can be redeemed for more than 2 cents per point with many of the Chase travel rewards partners.

 

Only 3 Chase Ultimate Rewards Credit Cards can use Chase Transfer Partners

Only three of the seven Ultimate Rewards credit cards come with the ability to use Chase transfer partners as a redemption option. While all seven of the Chase Ultimate Rewards credit cards are valuable in their own right, they’re not all created equal. There are two different styles of Ultimate Rewards cards. We like to call them primary cards and secondary cards. The main difference between primary Chase cards and secondary cards is the redemption value of points.

 

Because the primary Chase cards have the distinct advantage of having Ultimate Rewards transfer partners, they’re much more valuable for redemptions. The good news is that if you have both a primary card and a secondary card, you can transfer your Ultimate Rewards between the two. That means you can earn Ultimate Rewards with your secondary Chase card and then transfer them to your primary card account to redeem the Ultimate Rewards. If you already have a secondary card, it pays off to also get a primary Chase Ultimate Rewards credit card.

 

Primary Chase Cards have Ultimate Rewards Transfer Partners

  • Chase Transfer Partners are Available
  • Enhanced Redemption Values through the Chase Travel Portal (1.25-1.5 Cents per Point)

 

As mentioned above, primary Chase Ultimate Rewards cards have better redemption options. With a primary card, points can be redeemed in three ways. For cashback-like purchases including on Amazon, Apple, gift cards, or for experiences. These options get a points redemption value of 1 cent per point.

 

Ultimate Rewards can also be redeemed for travel in two ways. Through the Ultimate Rewards travel portal to book flights, hotels, cruises, and rental cars at a points redemption value of 1.25-1.5 cents per point.

 

The third way Ultimate Rewards can be redeemed with a primary Chase card is by transferring points to any of the 12 Ultimate Rewards travel partners. Redeeming points through the Chase travel partners gives a points redemption rate of up to 2 cents per point or more.

Sapphire Preferred 100k

 

Secondary Ultimate Rewards Credit Cards Don’t have Chase Travel Partners

  • Chase Transfer Partners are Not Available
  • Points Can be Transferred to a Primary Ultimate Rewards Card Account
  • 1 Cent per Point Redemption Value through the Chase Travel Portal

 

Secondary Ultimate Rewards credit cards aren’t quite as valuable when they’re by themselves. They only have the option to redeem points for the cashback-like purchases and through the Chase travel portal, both at a flat points redemption rate of just 1 cent per point.

 

They can, although, be paired with a primary card for redemptions at the elevated rates mentioned above by transferring points between cards. Remember that Ultimate Rewards can be transferred from your secondary card to your primary card account if you have both.

 

How About Chase Freedom Ultimate Rewards?

Any points you earn with a Chase Freedom card are secondary Ultimate Rewards. You’ll need to transfer them to a primary card account to be able to redeem with Chase transfer partners.

 

Let’s take a look at all of the Chase Ultimate Rewards credit cards to see which ones have Chase transfer partners and which ones don’t.

 Transfer Partners Available?
Chase Sapphire PreferredYes
Ink Business PreferredYes
Sapphire ReserveYes
Chase FreedomOnly by transferring points to a primary card
Freedom UnlimitedOnly by transferring points to a primary card
Ink Business CashOnly by transferring points to a primary card
Ink Business UnlimitedOnly by transferring points to a primary card

 

The three primary Ultimate Rewards credit cards that have the ability to use Chase transfer partners are the Sapphire Preferred, Sapphire Reserve, and Ink Business Preferred. They all have higher redemption rates in the travel portal as well. Again, if you have both a secondary card and a primary card, you should always transfer points to the primary card for a better redemption.

 

Chase Transfer Partners

(Redeem at up to 2 cents per point or more)

We’ve learned that the best way to redeem Ultimate Rewards for travel is by transferring your points to the Chase rewards partner airlines and hotels. As mentioned previously, there are 12 Chase transfer partners. 9 are airlines and 4 are hotels. All Chase transfer partners have an exchange rate of 1:1 with Ultimate Rewards and most of them transfer instantly.

 

With this redemption method, you can get the most bang for your buck. This is why most frequent travelers regularly transfer their Ultimate Rewards to partners like Hyatt, British Airways, and Southwest Airlines to redeem their points for well over 2 cents per point.

 

For instance, my sister and brother-in-law used 50,000 Chase Ultimate Rewards points that they earned from the Chase Sapphire Preferred signup bonus (now offers 60k), to fly round trip to Hawaii for their honeymoon (saving them $1,254). Their points redemption value for those Ultimate Rewards was over 2.5 cents per point! That’s 2.5X the value of alternatively redeeming them for cash back or gift cards.

 

Now that you know that using Chase transfer partners is the best way to get the most value out of your Ultimate Rewards, let’s find out what airlines and hotels are Chase transfer partners.

chase ultimate rewards airline partners

 

Chase Ultimate Rewards Airline Partners

 

 Transfer RatioTransfer Time
Aer Lingus1:1Instant
British Airways1:1Instant
Air France1:1Instant
Iberia1:1Instant
JetBlue1:1Instant
Singapore Airlines1:1Up to 2 days
Southwest1:1Instant
United1:1Instant
Virgin Atlantic1:1Instant

 

Transfer Chase Ultimate Rewards: Aer Lingus – AerClub Avios

  • Average Point Value: 1.5 cents per point
  • Example Redemption: Boston, Chicago, Newark, or New York City to Dublin, Ireland round trip: 26,000 Avios

Transfer Chase Ultimate Rewards: British Airways – Executive Club Avios

  • Average Point Value: 1.5 cents per point
  • Example Redemption: West Coast US to Hawaii round trip: 25,000 Avios

Transfer Chase Ultimate Rewards: Air France – Flying Blue

  • Average Point Value: 1.2 cents per point
  • Example Redemption: Continental US to Mexico round trip: 25,000 Flying Blue miles

Transfer Chase Ultimate Rewards: Iberia – Plus Avios

  • Average Point Value: 1.5 cents per point
  • Example Redemption: New York City to Casablanca, Morocco round trip: 46,000 Avios

Transfer Chase Ultimate Rewards: JetBlue – TrueBlue

  • Average Point Value: 1.3 cents per point
  • Example Redemption: New York City to Havana, Cuba round trip: 11,000 TrueBlue miles

Transfer Chase Ultimate Rewards: Singapore Airlines – Krisflyer

  • Average Point Value: 1.4 cents per point
  • Example Redemption: Continental US to Hawaii round trip: 35,000 KrisFlyer miles

Transfer Chase Ultimate Rewards: Southwest – Rapid Rewards

  • Average Point Value: 1.5 cents per point
  • Example Redemption: Anywhere in the US, Carribean, Mexico, and Hawaii (soon): Variable miles

Transfer Chase Ultimate Rewards: United – MileagePlus

  • Average Point Value: 1.4 cents per point
  • Example Redemption: Continental US to San Jose, Costa Rica round trip: 35,000 MileagePlus Miles

Transfer Chase Ultimate Rewards: Virgin Atlantic – Flying Club

  • Average Point Value: 1.5 cents per point
  • Example Redemption: Miami, Orlando, Las Vegas, Los Angeles, or San Francisco to Europe round trip: 42,500 Flying Club miles

 

The Best Chase Airline Partners

  • British Airways
  • United
  • Singapore Airlines
  • Southwest

 

There are a few airlines that stand out as the best Chase airline partners. British Airways is excellent for short-haul flights as they have a distance based award chart. They’re also great for flights from the West Coast to Hawaii or from the East Coast to Europe. United Airline has a ton of options for flights using miles with good redemption rates. Singapore Airlines has great luxury class flight options or other airline partner flights with good redemption rates. Southwest is on the list because if you have a Southwest Companion Pass, your points will be worth double on Southwest flights with your companion.

chase ultimate rewards hotel partners

 

Chase Ultimate Rewards Hotel Partners

 

 Transfer RatioTransfer Time
Hyatt1:1Instant
IHG1:11 day
Marriott1:12 days
Ritz-Carlton1:12 days

 

Transfer Chase Ultimate Rewards: Hyatt – World of Hyatt 

  • Average Point Value: 1.7 cents per point
  • Example Redemption: Andaz Costa Rica Resort at Peninsula Papagayo: 15,000 points per night

Transfer Chase Ultimate Rewards: IHG – Rewards Club

  • Average Point Value: 0.6 cents per point
  • Example Redemption: PointsBreaks hotel specials: 5,000, 10,000, or 15,000 points per night

Transfer Chase Ultimate Rewards: Marriott – Bonvoy (Marriott, SPG, Ritz-Carlton)

  • Average Point Value: 0.8 cents per point
  • Example Redemption:  JW Marriott Hotel Hanoi, Vietnam: 15,000 points per night (off-peak)

 

The Best Chase Hotel Partner

Hyatt is by far the best Chase hotel partner to transfer Ultimate Rewards into. Ultimate Rewards through Hyatt have an average points redemption rate more than double that of the other two hotel chains. They also have points + cash redemptions, suite redemptions, all-inclusive resort redemptions, and suite upgrades using points. Whenever we use points for a hotel, we try to use Hyatt because the points go much further.

 

Our go-to hotel brand is Hyatt Place, which can typically be found for 12,000 points per night. We like them because their properties are very clean, modern, comfortable, and most important – consistent.

 

How to Transfer Ultimate Rewards to Chase Travel Partners

It’s very simple to transfer your Ultimate Rewards points to any of the Chase travel partners. First, find your desired redemption flight or hotel with the travel partner, making sure it is available with points before transferring. Once you transfer Ultimate Rewards to a travel partner, they can’t be transferred back to Ultimate Rewards. Below is a step by step guide through transferring Ultimate Rewards to the Chase transfer partners.

  1. Sign in to your Ultimate Rewards account.
  2. Click “Transfer to Travel Partners” in the upper menu.
  3. Find your airline or hotel and click “Transfer Points”.
  4. Enter the recipient and membership number.
  5. Then select the number of Ultimate Rewards you’d like to transfer and click continue.
  6. Your transfer is complete! Most points transfer instantly but check the table above for each programs timeline.

chase transfer partners

 

Sapphire vs Ink vs Freedom: Which Chase Ultimate Rewards Cards are Best for What?

So, you want as many Ultimate Rewards as possible but aren’t sure which credit card is the best. Luckily for you, they’re all great cards in their own right. Each one has its own qualities that make it a good credit card. We’ve listed all seven Chase Ultimate Rewards cards and listed what each is best at. Surprisingly, all seven cards have features worthy of an award.

Ink Business Preferred: Best introductory offer

Chase Sapphire Preferred: Best first travel credit card

Chase Sapphire Reserve: Best luxury travel card loaded with benefits for frequent travelers

Ink Business Cash: Best business card for earning bonus Ultimate Rewards on purchases

Chase Freedom: Best personal card for earning bonus Ultimate Rewards on purchases

Ink Business Unlimited: Best simple to use business credit card for spending with 1.5 points on all purchases

Chase Freedom Unlimited: Best simple to use personal credit card for spending with 1.5 points on all purchases

Chase transfer partners are the way to maximize your Ultimate Rewards redemptions. Transferring can more than double the value of your points compared to cash back or the Chase travel portal. Once you get some Chase Ultimate Rewards, where will you redeem yours?

Capital One Savor: Who’s the King of Cash Back Cards?

Is the Capital One® Savor® Cash Rewards Credit Card the best cash back credit card? With a popular 4% cash back category it’s definitely worth looking into. We’ll go through all the details of the card and dissect whether it competes for the King of cash back credit cards or not.

 

The Features & Benefits of Capital One Savor

Capital One Savor

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn $300 cash back rewards after you spend $3,000 in the first 3 months.
REWARDS
You’ll earn 4% cash back at dining and entertainment.
You’ll also earn 2% at grocery stores.
BENEFITS
Premium experiences in dining, entertainment and more.
FEES
$95 Annual Fee.
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is a great cash back card with a large introductory offer and a waived annual fee in year 1.

 

The Capital One Savor Introductory Offer: Cashback vs Travel Points

The Capital One Savor comes with a very good introductory offer, especially from a cashback credit card. You will not get as much value as you would with travel points, but travel is not always for everyone. With cash back, every point is essentially worth one cent. It makes redemption a brainless process. It doesn’t matter how you use the points, they’ll still be worth one cent.

 

The other good part about this introductory offer is the fact that the annual fee is waived in year one. That means that you get at least $500 of value without having to pay any sort of fee in year one. I personally think that the introductory offer is the only part of this credit card offer that is good. I’ll explain more about why below when we discuss the annual fee.

Capital One Savor Cash Rewards

 

Earning with the Capital One Savor Cash Rewards Card

The Capital One Savor has a couple of very good bonus rewards categories. Savor means to taste food or drinks and enjoy them completely, so it makes sense that the Capital One Savor earns 4% on dining (an industry leader). The card also earns 4% on entertainment and 2% on groceries.

 

For this reason and this reason only, the Capital One Savor is a good option only if you are someone who spends a lot on dining and entertainment. Your food might even taste better, knowing that you’ll be earning 4% back on your meal. If you spend hundreds of dollars dining out each month this is a great credit card for you. If you never eat out, it’s not such a great option.

SAVOR – To taste and enjoy completely.

 

Here is what Capital One considers to be included in the three bonus earning categories:

Dining: (4X Rewards)

  • Restaurants
  • Fast Food
  • Cafe’s
  • Bars
  • Bakeries
  • Lounges

Entertainment: (4X Rewards)

  • Movies
  • Concerts
  • Plays
  • Sporting Events
  • Tourist Attractions
  • Theme Parks
  • Aquariums & Zoos
  • Pool Halls
  • Dance Clubs
  • Bowling Alleys
  • Record/Video Rental Stores (ummm, do these still exist?!?)

Grocery Stores: (2X Rewards)

  • Supermarkets
  • Dairy Product Stores
  • Specialty Markets
  • Meat Lockers

 

Benefits of the Capital One Savor

Obviously, the dining and entertainment category bonus of 4% is the biggest benefit of the card. Other than the spending bonuses, this card doesn’t offer much in terms of valuable benefits. Especially when compared to other credit cards that come with an annual fee of around $100.

 

The biggest other benefits are no foreign transaction fees, secondary car rental insurance, roadside assistance, purchase protection and extended warranty, and concierge services. Honestly, I wouldn’t use any of these. When I purchase something, I’m typically OK with the price I paid. I don’t shop much outside of the United States. As far as rental car insurance, I have other Chase credit cards that give me primary car rental coverage.

 

Capital One Savor Rewards Card does not bring much to the table (besides dinner). Outside of the introductory offer and the earning bonuses on dining and entertainment, there are no benefits that fit having an annual fee.

capital one savor cash

 

Competitors to the Capital One Savor

There are a few competitors to the Capital One Savor card that I want to bring up. They compete in two different ways. First, if you are interested in travel you should look into the Chase Sapphire Preferred. It touts the same annual fee but comes with much more value if used towards travel. If it’s cashback that you’re truly interested in, there are no fee cards that are very similar and will save you nearly $100 per year.

 

Chase Sapphire Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 60,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 2X points on travel and dining.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfer partner hotels and airlines.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is the best first travel credit card to get. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal.

 

Chase Freedom

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $150 (in the form of 15,000 Ultimate Rewards points) after spending $500 in the first 3 months.
REWARDS
You'll earn 5% on rotating quarterly categories. (up to $1500 in purchases per quarter)
BENEFITS
Points can be transferred to primary Chase cards for better redemptions.
Free credit score.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
This is one of the best "cash back" cards for earning rewards. You can earn up to 5X per dollar and those points can be transferred to a primary Chase card for better redemptions. It's a perfect card to pair with either of the Sapphire cards or the Ink Business Preferred.

 

As I mentioned above, the benefits of the Capital One Savor card don’t seem to fit the annual fee, but it may still be worth applying for. That’s because it is possible to convert the Capital One Savor into a Capital One SavorOne card before your annual fee is due in the second year.

capital one savor credit card

 

Is it Worth Paying the Annual Fee?

No. Paying the annual fee for the Capital One Savor is not worth it. I’ll tell you why, and I’ll also tell you why it’s still worth applying for the card. Get the $500 introductory offer and then enjoy almost as good spending bonuses, but without an annual fee. How? Convert your card over to the Capital One SavorOne card before your annual fee is due.

 

The only major difference between the Savor and the SavorOne is 1%. The Capital One SavorOne card earns all the same cash back except it earns 3% on dining and entertainment instead of 4%. Does that 1% make the Capital One Savor worth the extra $95 expense each year? Well, unless you spend $9500 on dining and entertainment on the card, NO!

 

That’s how much spending it would take on dining and entertainment to make up the difference of the $95 annual fee. I doubt you spend that much on dining and entertainment, so it might make sense to consider converting your Capital One Savor into the no-fee version.

Chase Sapphire Preferred 100k Signup Bonus is Gone Forever

Chase Sapphire Preferred 100k
chase sapphire preferred credit card art

Chase Sapphire Preferred

60,000 points after spending $4,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

 

While there is no Chase Sapphire Preferred 100k offer anymore, it’s still a very valuable card with a signup bonus of 60k Ultimate Rewards. The Chase Sapphire Preferred is known as the best first travel credit card to get. This is due to the high signup bonus, the ability to redeem its points at a high value, and the lower annual fee at $95. At Travel Freedom, we absolutely see it as the best first travel credit card in the travel industry. If you’re looking to travel more and want to do it for free, listen up. The Chase Sapphire Preferred might just be the card you’ve been looking for.

 

Chase Sapphire Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 60,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 2X points on travel and dining.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfer partner hotels and airlines.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is the best first travel credit card to get. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal.

 

What Makes the Chase Sapphire Preferred a Good Credit Card?

Redemption versatility is the number one reason that the Chase Sapphire Preferred is the best first travel credit card is that it’s so easy to redeem points. It’s a good card for people who are new to traveling with points because it is so easy to use. Ultimate Rewards points can be redeemed in a few ways. They can be redeemed through the Chase Ultimate Rewards Travel Portal for a fixed rate of 1.25 cents per point, for cash-back and gift cards, or by converting points to Chases transfer partners. Transferring to the travel partners can net an average redemption of over 2 cents per point. Both non-cash-back options give an elevated redemption value over 1 cent per point. If you’re willing to put in a little bit of effort to research airline award charts, you’ll get the most out of your points by using transfer partners.

Chase Sapphire Preferred 100k signup bonus

 

Redeem Ultimate Rewards in the Travel Portal (1.25 cents/pt value)

At an elevated rate of 1.25 cents per point, redeeming through the Chase Ultimate Rewards Travel Portal is a good option. Through the travel portal, you can book flights, hotels, car rentals, and more. It allows you to use your points for travel while keeping things very simple. You won’t have to understand how hotel and airline reward systems work to book travel with points.

 

Ultimate Rewards Travel Transfer Partners (~2 cents/pt value)

By transferring your points into an Ultimate Rewards Transfer Partner, you’ll have the opportunity to redeem your points for 2 cents per point. There are currently 13 different travel transfer partners, including 9 airlines and 4 hotel chains. Ultimate Rewards points transfer to all of the partners at a 1:1 ratio. Regularly, my wife and I transfer our points to the Ultimate Rewards travel partners. We most often transfer them to British Airways (to use their US travel partners for flights) and Hyatt Hotels (to get free nights). We’ve found that by using these two transfer partners, we often get more than 2 cents of value per point.

 

Chase Airline Transfer Partners

chase ultimate rewards transfer partner airlines

Chase Hotel Transfer Partners

chase ultimate reward transfer partner hotels

 

 

Other Ultimate Rewards Redemption Options (1 cent/pt value)

There are a few other redemption options that don’t involve travel. They also aren’t redeemable for as much value as the travel options. Points can be redeemed for cash back, to spend on Amazon, to spend on exclusive experiences, or to purchase gift cards. All of these options have a fixed redemption value of just 1 cent per point. I wouldn’t recommend using your points this way unless you don’t like to travel, because it’s not as valuable.

 

Earn Spending Bonuses on Travel and Dining

This card will give you more than just the Chase Sapphire Reserve 100k 60k signup bonus. It has a couple of valuable spending bonus categories. You’ll earn 2X points on all travel and dining purchases. I’m sure you spend money on these two quite a bit.

  • Travel: The travel bonus counts for flights, trains, taxi’s, other transportation, hotels, and much more.
  • Dining: Dining is considered anything purchased from restaurants, bars, cafes, fast food restaurants, restaurant delivery services like (Caviar, Eat24, GrubHub, Postmates, Seamless), and even from vending machines.

I’m going to guess that you spend some money on both travel and dining occasionally. Spending bonuses are a great way to earn some extra Ultimate Rewards without really doing anything. By earning 2X points on these purchases and then redeeming Ultimate Rewards at a value of 2 cents each, you’re essentially earning 6% back on those purchases. 4% value back on a credit card is unheard of!

Chase Sapphire Preferred 100k bonus

 

Combine Other Chase Credit Cards with the Sapphire Preferred

One more reason that the Chase Sapphire Preferred is one of the best travel credit cards is that there are many other Chase credit cards that pair very nicely with the Sapphire Preferred. There are six other Chase credit cards that also earn Ultimate Rewards. There are three other personal cards and three business cards. They all have their own set of great features and earning potential. Between my wife and I, we have at least one of each of these cards. This allows us to earn category bonuses on almost every purchase we make. We also earned over 350,000 Ultimate Rewards just from signup bonuses!

 

All the Cards That Earn Chase Ultimate Rewards

 

Ultimate Rewards Can Be Transferred Between Card Accounts

The best part of pairing up multiple Chase credit cards, is that the Ultimate Rewards from one card account can be transferred and combined with the points in another card account. For instance, you can earn Ultimate Rewards with the Chase Freedom (which normally doesn’t have transfer partners available) and transfer them over to your Chase Sapphire Preferred account to redeem them (either with the 25% portal bonus or with transfer partners).

Three of the Chase Ultimate Rewards credit cards have higher redemption rates in the travel portal. The Chase Sapphire Preferred and Ink Business Preferred both give a value of 1.25 cents per point when redeemed through the travel portal, while the Sapphire Reserve gives an even higher 1.5 cents per point value. While four of these credit cards are technically listed as cash back cards, you’ll still earn Ultimate Rewards. These “cash back” Ultimate Rewards can be transferred to any of the three premium card accounts to get the full Ultimate Rewards experience.

 

Other Ultimate Rewards Credit Card Offers

Chase Freedom

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $150 (in the form of 15,000 Ultimate Rewards points) after spending $500 in the first 3 months.
REWARDS
You'll earn 5% on rotating quarterly categories. (up to $1500 in purchases per quarter)
BENEFITS
Points can be transferred to primary Chase cards for better redemptions.
Free credit score.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
This is one of the best "cash back" cards for earning rewards. You can earn up to 5X per dollar and those points can be transferred to a primary Chase card for better redemptions. It's a perfect card to pair with either of the Sapphire cards or the Ink Business Preferred.

This rewards card pairs well with the Chase Sapphire Preferred 100k 60k Offer. Learn more about this card and find out how to apply HERE.

Chase Freedom Unlimited

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $150 (in the form of 15,000 Ultimate Rewards points) after spending $500 in the first 3 months.
REWARDS
You'll earn 1.5% back on all purchases. (after year 1) No limit.
BENEFITS
Points can be transferred to primary Chase cards for better redemptions.
Free credit score.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
This is one of the best "cash back" cards for earning rewards. You earn 1.5% per dollar (3% year 1) and those points can be transferred to a primary Chase card for better redemptions. It's a perfect card to pair with either of the Sapphire cards or the Ink Business Preferred.

This rewards card pairs well with the Chase Sapphire Preferred 100k 60k Offer. Learn more about this card and find out how to apply HERE.

 

Chase Sapphire Reserve

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 50,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and dining.
BENEFITS
$300 annual travel credit.
Priority Pass Select airport lounge access.
TSA PreCheck or Global Entry.
Points are worth 50% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfers to partner hotels and airlines.
FEES
$450
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is one of the best premium travel credit cards if you want some luxury. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal. The biggest key to this card is the airport lounge access. If you travel a lot, it's extremely valuable.

This rewards card pairs well with the Chase Sapphire Preferred 100k 60k Offer. Learn more about this card and find out how to apply HERE.

 

Ink Business Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 80,000 points after spending $5000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and select business expenses (including online social media ads).
*Limited to first $150k per year.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
Employee cards at no additional cost.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
The signup bonus alone for this card is amazing. Pair that with some great rewards earning for your business and this card is great. If you have a business, we find the Ink Preferred to be the best offer available.

This rewards card pairs well with the Chase Sapphire Preferred 100k 60k Offer. Learn more about this card and find out how to apply HERE.

 

Ink Business Cash

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $500 (in the form of 50,000 Ultimate Rewards points) after spending $3000 in the first 3 months.
REWARDS
You'll earn 5X points on internet, cable, phone, and office supply stores.
*Limited to first $25k per year.
Earn 2X at gas stations and restaurants.
*Limited to first $25k per year.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with some great 5X reward categories for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.

This business rewards card pairs well with the Chase Sapphire Preferred 100k 60k Offer. Learn more about this card and find out how to apply HERE.

 

Ink Business Unlimited

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $500 (in the form of 50,000 Ultimate Rewards points) after spending $3000 in the first 3 months.
REWARDS
You'll earn 1.5X on all purchases. No limit.
BENEFITS
Points can be transferred to primary Chase card accounts for better redemption.
Employee cards at no additional cost.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
The signup bonus on this no-fee card is amazing. Pair that with 1.5X rewards on every purchase for your business and this card is great. This card pairs well with the Chase Sapphire cards and the Ink Preferred.

This rewards card pairs well with the Chase Sapphire Preferred 100k 60k Offer. Learn more about this card and find out how to apply HERE.

 

Keep It Simple with Chase Ultimate Rewards Cards

As you can see, there are many reasons why the Chase Sapphire Preferred is the best first travel credit card to have. It has a great introductory offer with a reasonable minimum spending requirement. The annual fee is moderate. The 60,000 Ultimate Rewards points earned through the signup bonus are very valuable when used for travel. In fact, they are enough points to take multiple trips if spent efficiently.

Because there are so many other Chase credit cards that earn Ultimate Rewards, it makes the Chase Sapphire Preferred a good base card. Just by earning Ultimate Rewards, you’ll be able to earn free travel for a long time to come. Between the signup bonuses mentioned above, there are currently 320,000 Chase Ultimate Rewards points available. That only includes the signup bonuses. You can earn even more points on purchases with spending category bonuses. If you want to travel more, start traveling using Chase Ultimate Rewards points.

Sapphire Preferred 100k

 

Don’t Forget About the Chase 5/24 Rule

Chase has an unwritten rule, known as the “Chase 5/24 Rule”, that only allows you to be approved for a Chase-branded credit card if you have less than five new credit cards opened within the last 24 months. The five credit cards opened don’t just include Chase credit cards, it includes nearly all credit cards. Small business credit cards don’t count toward the five card limit, but the Chase 5/24 rule does come into effect when applying for a business card.

Chase 5/24 Rule FAQ’s

Can I apply for 2 Chase credit cards on the same day when I’m 4/24 and get approved for both?

  • Data suggests you can, however, we recommend not pushing the line and only apply for one Chase card at a time. People have reported having their account shut down for applying for too much credit.

Can I apply the day my 5/24 limit drops off?

  • Preferably wait until the first day of the next month to apply.

I’m over the 5/24 rule limit, can I be approved for a card from another bank?

  • Yes. Approvals for credit cards from other banks besides Chase are not impacted by your 5/24 score. Each bank has its own set of rules for approval.

Do Chase business cards count toward my 5/24 score?

  • No. Being approved for a Chase business card will not add to your 5/24 limit. However, to get approved for a Chase business card you must be below the 5/24 limit.

 

The Chase Sapphire Preferred 100k 60k Signup Bonus is Still a Great Offer

While the Chase Preferred 100k signup bonus is no longer available, 60k points is still an excellent offer. At a value of at least $750, it’s well above the average when it comes to credit card signup bonuses. When spent through travel partners, the signup bonus can be worth over $1000.

The Chase Sapphire Preferred was the first travel credit card I ever applied for. It gave me a good amount of free travel and was also a good base card to start earning other Ultimate Rewards and transferring them into my Sapphire Preferred account. Now my wife and I have all of the cards above and have an abundance to Ultimate Rewards to spend on free travel.

If you’re someone who wants to travel more, this will be a great credit card to get you started. It sure was for me. The Chase Sapphire Preferred 100k 60k offer is still well worth the application. It’s the best first travel credit card for people who are looking to start traveling more.

chase sapphire preferred credit card art

Chase Sapphire Preferred

60,000 points after spending $4,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

Marriott Category 5 Resorts: The Best Way to Use Your Bonvoy Free Night Awards

marriott category 5

The Marriott Bonvoy rewards program has seen a lot of changes recently. The addition of Starwood and the SPG rewards program is the largest change of all. Along with these changes came alterations to their co-branded credit cards. Now there are multiple credit card options to earn free Marriott stays which can be used to stay at Marriott category 5 hotels. Instead of the old Marriott Rewards Premier and SPG business and personal cards, there are two Marriott Bonvoy cards.

 

One of the options, the newly reconfigured Marriott Bonvoy credit card (Chase personal Visa) offers an introductory offer that will earn you approximately two free nights at Marriott properties that cost 35,000 points or less (Marriott category 5 and below). It also comes with a free night award every calendar year that you keep the card. 35,000 Marriott Bonvoy rewards points are enough to stay at a Marriott category 5 hotel. The other option, the Marriott Bonvoy Business credit card is alternatively from American Express. It also offers points as an introductory offer and also gives a free night award at a Marriott category 5 hotel annually.

 

Get The Most Value with Marriott Category 5 Resorts

Since you can use your free night awards at any Marriott Bonvoy category 1-5 hotels, you’ll usually get the most value if you stay at a Marriott category 5 resort. There are 8 Marriott Rewards categories in all but don’t worry, Marriott category 5 is the most plentiful when it comes to resorts. With the addition of Starwood hotels, there are now 1138 Marriott category 5 hotels worldwide and 695 in the United States alone. We’ll focus on just the Marriott category 5 resort properties. There are 162 Marriott category 5 resorts worldwide and 56 in the United States.

 

If you’re wondering how much a free night award at a category 1-5 Marriott is worth, it depends on where you stay. Some Marriott category 5 resorts can cost upwards of $700 for a single night. But, by having one or both of the Marriott Bonvoy credit cards you’ll earn at least one free night award automatically on every cardmember anniversary.

 

Is the Free Night Award Worth Paying the Annual Fee?

Earning the free night award does come with a fee. The annual fee for the Marriott Bonvoy credit cards starts at $95. Every year, if you use your free night award for a hotel stay that would normally cost more than the annual fee, it’s worth keeping the credit card and paying it. If you keep this card in your wallet and pay the annual fee, you can easily find a redemption that is worth a few hundred dollars. If you stay at a resort that is $400 using your free night award, it’s like paying $95 for a $400 room. Plus, you’ll get the other benefits of the credit card all year.

 

A great way to earn a lot of Marriott points as well as a free night award every anniversary is by getting one of the Marriott Bonvoy credit cards. Here is a little more information on what each of the credit cards offers…

 

Marriott Bonvoy Boundless

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 100,000 points after you spend $5,000 in the first 3 months.
REWARDS
You’ll earn 6X points per dollar spent at Marriott hotels, and 2X points on all other purchases.
BENEFITS
One free night award (up to category 5) every account anniversary.
Automatic silver elite status with Marriott Bonvoy
Gold status after spending $35k
15 elite night credits each calendar year.
FEES
$95 annual fee.
TRAVEL FREEDOM THOUGHTS
The introductory offer is just ok, as it will earn you enough points for two free nights at a category 5 hotel. The free night award each year for $95 is well worth it if you can use it on an otherwise expensive night.

 

Marriott Bonvoy Business

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 75,000 points after you spend $3,000 in the first 3 months.
REWARDS
You’ll earn 6X points per dollar spent at Marriott hotels.
Earn 4x points at US restaurants, US gas stations, on US cell phone services and US shipping purchases.
Earn 2x points on all other purchases.
BENEFITS
One free night award (up to category 5) every account anniversary.
Earn an additional free night award after spending $60,000 on your card in a calendar year.
Automatic silver elite status with Marriott Bonvoy
Gold status after spending $35k
15 elite night credits each calendar year.
ANNUAL FEE
$125 annual fee.
Terms Apply
TRAVEL FREEDOM THOUGHTS
The introductory offer is good, as it will earn you approximately enough points for three free nights at a category 5 hotel. The free night award each year for $125 is worth it if you can use the award on an otherwise expensive stay.

 

*TRAVEL FREEDOM HINT

You can also earn Marriott Rewards points through the Chase Ultimate Rewards credit cards. Ultimate Rewards transfer to Marriott at a 1:1 ratio. Two great options are the Sapphire cards or the Ink Business cards from Chase. A great thing about earning Chase Ultimate Rewards is that you can use them on any of the Chase travel transfer partner programs. This gives you much more versatility in your travel.

Compare Chase Credit Cards

 

Best Marriott Category 5 Resorts in the United States (56 Total)

Listed below are the top-rated Marriott category 5 resorts in the United States. There are a total of 56 resorts in the US and we’ve hand-selected the best properties for you to use your free night awards at. Our selections were made by looking at value, location, guest ratings, and our opinion. After looking at Marriott resorts all over the world, it was apparent that the best value to be saved is in the United States. Other countries and regions have some very nice category 5 hotels, but they tend to cost much less per night if paying for cash. Here is what we came up with during our search to find the best of the best.

 

Waterline Marina Resort & Beach Club, Autograph Collection

waterline marina resort marriott category 5

  • Location: Holmes Beach, Florida
  • Average Guest Rating: 4.8/5 stars
  • Average Price (March 23-29): $466 per night
  • Redemption Value Grade: A-

 

The Westin Hapuna Beach Resort

westin hapuna bay resort marriott category 5

  • Location: Big Island, Hawaii
  • Average Guest Rating: 4.2/5 stars
  • Average Price (March 23-29): $765 per night
  • Redemption Value Grade: A+

 

The Ritz-Carlton, Dove Mountain

ritz-carlton dove mountain marriott category 5

  • Location: Marana, Arizona
  • Average Guest Rating: 4.7/5 stars
  • Average Price (March 23-29): $587 per night
  • Redemption Value Grade: A

 

The Grand Hotel Golf Resort & Spa, Autograph Collection

the grand hotel alabama marriott category 5

  • Location: Point Clear, Alabama
  • Average Guest Rating: 4.7/5 stars
  • Average Price (March 23-29): $278 per night
  • Redemption Value Grade: B-

 

JW Marriott Tucson Starr Pass Resort & Spa

JW marriott category 5 Tucson

  • Location: Tucson, Arizona
  • Average Guest Rating: 4.5/5 stars
  • Average Price (March 23-29): $271 per night
  • Redemption Value Grade: B-

 

The Vinoy Renaissance St. Petersburg Resort & Golf Club

the vinoy st petersburg marriott category 5

  • Location: St. Petersburg, Florida
  • Average Guest Rating: 4.5/5 stars
  • Average Price (March 23-29): $424 per night
  • Redemption Value Grade: B+

 

JW Marriott Las Vegas Resort & Spa

jw marriott category 5 las vegas

  • Location: Las Vegas, Nevada
  • Average Guest Rating: 4.4/5 stars
  • Average Price (March 23-29): $554 per night
  • Redemption Value Grade: A

 

Fort Lauderdale Marriott Pompano Beach Resort & Spa

marriott category 5 pompano

  • Location: Pompano Beach, Florida
  • Average Guest Rating: 4.2/5 stars
  • Average Price (March 23-29): $300 per night
  • Redemption Value Grade: B

 

The Westin Kierland Resort & Spa

kierland resort marriott category 5

  • Location: Scottsdale, Arizona
  • Average Guest Rating: 4.1/5 stars
  • Average Price (March 23-29): $519 per night
  • Redemption Value Grade: A

 

How to Book Your Marriott Bonvoy Free Night Award

When booking a free night using your award, you have over 6,000 available options of Marriott category 1-5 properties to choose from. With so many options, we chose to cut it down to only resorts because they typically cost more to stay at. By booking a Marriott category 5 resort with your award you will get more value out of it.

 

A big part of the decision on where to stay depends on where you will be needing a hotel room. It’s pretty hard to take advantage of the newly remodeled Westin Hapuna Beach Resort if you won’t be on the Big Island of Hawaii this year. I look forward to staying at this hotel next summer when we (hopefully) use our Southwest Companion Pass on a Hawaii trip for the first time. When booking a Marriott category 5 award night, you’ll want to find a hotel or resort that gives you a great value in an area that you plan on traveling to.

 

Find Your Free Night Award in your Marriott Account

After your cardmember anniversary of either Marriott Bonvoy credit cards, a free night award will appear in your Marriott Bonvoy Rewards account on the activity page. To use your free night award, log in to your account and search for your desired hotel and date. To book your free night using the free night award, you will select “Use reward points”. On the reservation details page, you will see the option to use your free night award. Continue your booking as you normally would. Your award will be applied to the reservation giving you a free night.

 

Be aware that only hotels with standard or off-peak category 5 award rooms available will be bookable. Category 5 peak pricing is unfortunately above the 35,000 point limit to use your free night award. Remember, that you don’t have to book a category 5. You can book anything up to a Marriott category 5 hotel.

 

You can use both points and cash on stays if you don’t have enough points. But, when you’re looking to add your free night to either end of a longer paid stay, be sure to book the more expensive night (between the first and last) with your award if the nightly prices differ. Then book the remaining nights separately using cash. You may need to call to have the reservations linked afterward so that you don’t have to check out and back in. If you have any more questions about booking or Marriott Bonvoy Rewards you can check out their official FAQ page.

 

Using Points to Book Free Nights at Marriott Hotels

If you’re looking to book a Marriott category 5 hotel using points, it will cost you 35,000 points for a standard room. Marriott Bonvoy Rewards has eight redemption categories, ranging from 7,500 to 85,000 points per night for a standard room (not including peak and off-peak dates).

 

Marriott Bonvoy Rewards points can be earned in a few different ways. The easiest way is by applying for either of the credit cards that earn Marriott Bonvoy Rewards. You’ll earn Marriott BOnvoy Rewards points through the introductory offers and you’ll also earn points by making purchases on the cards. Here is a chart that includes all Marriott Bonvoy Rewards categories and how many points it will take to book a free night in each.

CategoryOff-PeakStandardPeak
15,0007,50010,000
210,00012,50015,000
315,00017,50020,000
420,00025,00030,000
530,00035,00040,000
640,00050,00060,000
750,00060,00070,000
870,00085,000100,000

 

*All photos courtesy of Marriott International

Citi ThankYou Premier: How Does this Card Compare to the Best?

citi thankyou premier

The Citi ThankYou Premier card is one of Citibank’s top credit card offers. It comes with a substantial introductory offer, has good earning potential, and it’s points are very redeemable. With all these great features, how does it stand up next to it’s biggest competitor? The Chase Sapphire Preferred is known as the best first travel credit card for people to get. It boasts many of the same benefits as the Citi ThankYou Premier and is going after the same market of customers. We’ll dive more into the details of the Citi Premier card and also compare it to the Chase Sapphire Preferred.

 

Citi ThankYou Premier: What it Offers

50,000 ThankYou Points after spending $4000 in the first 3 months

Citi ThankYou Premier Card

  • Introductory Offer: You’ll earn 50,000 ThankYou points after spending $4,000 in purchases in the first 3 months.
  • Bonus Earning: You’ll earn 3X points on travel (including some gas stations). 2X points on dining & entertainment.
  • Point Redemption: Points are redeemable for airfare on any airline, booked through the ThankYou Travel Center, on gift cards at thankyou.com or by transferring points to participating airlines.
  • Fees: No Foreign Transaction Fees
  • Annual Fee: $95 Annual fee (waived in year 1)

Credit Score Needed for Approval: Excellent

var gptadslots = []; var googletag = googletag || {cmd:[]}; googletag.cmd.push(function() { var mapping1 = googletag.sizeMapping() .addSize([1224, 768], [[720, 360]]) .addSize([0, 0], [[320, 480]]) .build(); /* Adslot 1 declaration */ gptadslots.push(googletag.defineSlot(‘/5055/CreditCards/categorywidgets’, [[720,360],[320,480]], ‘div-gpt-ad-6598859-1’) .defineSizeMapping(mapping1) .addService(googletag.pubads())); googletag.pubads().enableSingleRequest(); googletag.pubads().setTargeting(‘kw’, [‘widget1’]) .setTargeting(‘src’, [‘640827‘]) .setTargeting(‘var2’,[‘widget’]); googletag.pubads().collapseEmptyDivs(); googletag.pubads().setForceSafeFrame(false); googletag.enableServices(); });

googletag.cmd.push(function() { googletag.display(‘div-gpt-ad-6598859-1’); });

 

Citi ThankYou Premier Review

What We Like:

At 50,000 points, the introductory offer for the Citi ThankYou Premier card is very good. Those points are worth at least $500, but by redeeming them for travel using the ThankYou Travel Center you’ll guarantee a value of $625. With available airline transfer partners, you can also convert your ThankYou points into airline miles to get even better redemption rates.

 

The earning potential is also very good on this credit card. You’ll earn extra points on some common expenses like gas stations, dining, and entertainment. Instead of earning 1 point per dollar, you’ll get two or three points.

 

What We Dislike:

The Citi ThankYou Premier does come with an annual fee of $95. For most people, the card will not warrant paying this fee every year. Fortunately, the annual fee is waived in the first year. Also, you can potentially downgrade to the Citi ThankYou Preferred which has no annual fee.

 

Earning Citi ThankYou Points with the Premier Card

What Counts Towards Travel Spending: (3X)

If you travel frequently, this is a great credit card for you to earn points on. Here are some travel purchases that will earn you the 3X points per dollar:

  • Airlines
  • Hotels
  • Gas Stations (except at warehouse clubs, discount stores, department stores, and convenience stores)
  • Car Rentals
  • Travel Agencies
  • Tour Operators
  • Commuter Transportation
  • Buses
  • Taxis/Limos/Car Services
  • Cruises
  • Bridge/Road Tolls

 

There are a few travel-related expenses that are excluded including auto clubs, fuel used for non-automobile purposes, recreational camps, and insurances.

 

What Counts for Dining Spending: (2X)

Dining is another spending category bonus. Dining purchases will earn 2X points per dollar spent including these:

  • Restaurants
  • Fast Food
  • Cafe’s
  • Bars
  • Lounges

 

Excluded from the dining spend bonus are bakeries and restaurants and cafes that reside within department stores, grocery stores, or warehouse stores.

citi thankyou premier bonus

 

What Counts for Entertainment Spending: (2X)

Entertainment as a category is kind of a broad term. It’s nice to know what will actually earn bonus points when purchased. Here are the types of entertainment that will earn 2X points per dollar spent:

  • Movie Theaters
  • Sporting Events
  • Concerts
  • On-demand Streaming Media
  • Amusement Parks
  • Tourist Attractions
  • Live Entertainment
  • Theatrical Productions
  • Record/Video Rental Stores (do these still exist somewhere?!?)

 

As with the other two categories above, there are a few entertainment purchases that are excluded from earning the bonus points, including sporting camps, sports complexes, golf courses, country clubs, bowling alleys, musical instrument stores, video game stores/arcades, bookstores, and charitable organizations.

 

Redeeming Citi ThankYou Points

There are three main ways to redeem your Citi ThankYou Premier points. Depending on how you decide to redeem your points, you’ll get a point value from one cent up to many cents per point. ThankYou points can be redeemed for travel, merchandise, gift cards, Amazon purchases or by transferring them to partner airlines.

 

Book Travel through ThankYou Travel Center (1.25 cents per point)

One of the best options for redeeming ThankYou points is through Citi’s Travel Center on ThankYou.com. When you book travel using your points you will get an increased rate of redemption at 1.25 cents per point. The 25% increase in value makes it well worth redeeming your points for travel. Through the travel center, you’re able to book flights, hotels, cars, activities, and cruises.

 

Buy Merchandise or Gift Cards at ThankYou.com (1 cent per point)

While buying merchandise or gift cards is not usually the most valuable redemption, it can make sense for some people. Each point will be worth one cent when redeemed in this fashion. If you’re unable to travel or simply don’t like traveling, it might make sense to use your points to buy things you’ve been wanting or needing. Maybe a new big screen TV gets you a little more excited than a trip across the world. This redemption method is for you.

 

Use ThankYou Points for Amazon Purchases

The merchandise and gift cards over at ThankYou.com might be a bit obsolete when you can just use your points on Amazon. Points will again be worth just one cent per point, but if you’re looking to buy products instead of travel Amazon is probably the place. It’s easy to link your accounts within Amazon to start using points.

 

Also, occasionally Amazon will give heavy discounts on certain products when you use at least one ThankYou point toward your purchase. Recently, I bought some Amazon Fire HD’s to give away because I received $40 off each tablet simply by using 1 ThankYou point on my purchase. I guess that means I got $40 per point on that redemption! Too bad we can’t always get a value like that…

 

Transfer Points to Airlines (variable point values)

Transferring Citi ThankYou Premier points to airline partners can often be the most valuable redemption. If you transfer your points into an airline and use those points for a free flight that would have been very expensive, you will have saved a lot of money. Therefore, you can get redemption rates well above 2 cents per point. For instance, if you use 30,000 points to book a flight that would otherwise cost $600 out of pocket, you have redeemed your points for 2 cents per point.

 

ThankYou Points Airline Partners

All of the following airlines are transfer partners of Citi ThankYou points at a 1:1 ratio except JetBlue which has a 10:8 transfer ratio. Sometimes, certain airlines will have a promotion that will give you a better redemption rate such as 25% extra miles.

  • Air France/KLM Flying Blue
  • Avianca LifeMiles
  • Cathay Pacific Asia Miles
  • Etihad Guest
  • EVA Air Infinity MileageLands
  • Garuda Indonesia Miles
  • Jet Airways JetPrivilege
  • JetBlue TrueBlue
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Royal Orchid Plus
  • Virgin Atlantic Flying Club

 

Other Useful Benefits of the Citi ThankYou Premier Card

Besides earning points, the Citi ThankYou Premier credit card has some other beneficial perks. The non-points benefits of the Citi ThankYou Premier are that it has no foreign transaction fees and it comes with valuable travel and purchase protections.

 

Purchase Protections Include:

  • Price Rewind – get a refund if the item you purchased has a lower price within 60 days.
  • Extended Warranty Protection – adds 24 months onto manufacturers warranties.
  • Damage and Theft Protection – repairs or replaces items that are damaged or stolen within 90 days.
  • Return Protection – refunds purchase price if the merchant won’t accept a return within 90 days.

 

Travel Protections Include:

  • Trip Delay Protection – If your trip is delayed at least 12 hours you may be reimbursed for expenses incurred.
  • Lost Baggage Protection – If baggage is lost, stolen or damaged you may be reimbursed for repair or replacement.
  • Baggage Delay Protection – If baggage is delayed more than 6 hours you may be reimbursed for necessary purchases.
  • Trip Cancellation & Interruption Protection – you may be reimbursed up to $5,000 for non-refundable trip expenses.
  • Auto Rental Insurance – covering up to $50,000 on most vehicle types. You receive secondary insurance in the US and primary abroad.

citi thankyou premier benefits

 

Citi ThankYou Premier vs Chase Sapphire Preferred

Now we’ll compare the Citi ThankYou Premier to its competitors. Is the ThankYou Premier as good as the Chase Sapphire Preferred card? Let’s find out.

 

 CITI THANKYOU PREMIERCHASE SAPPHIRE PREFERRED
WINNER
Introductory Offer:50,000 points after spending $4000 in the first 3 months60,000 points after spending $4000 in the first 3 months
Earning Points:3X on Travel
2X on Dining & Entertainment
2X on Travel & Dining
Redeeming Points:1.25 cents per point on Travel

Airline Transfer Partners
1.25 cents per point on Travel

Airline & Hotel Transfer Partners
Other Benefits:Purchase Protection

Travel Protection

Secondary Rental Car Insurance
Purchase Protection

Travel Protection

Primary Rental Car Insurance

 

Although these two credit cards are very similar in their features, the Chase Sapphire Preferred comes out victorious from this comparison. The Citi ThankYou Premier does have a better earning potential but falls short to the Chase Sapphire Preferred in point redemption value and extra benefits. The Sapphire Preferred has more and better transfer partners, including a few hotels. It also comes with primary car rental insurance, while the Citi ThankYou Premier only comes with secondary insurance.

 

Overall, the Citi ThankYou Premier is a very good travel credit card and comes with a significant introductory offer. To even be able to compete with the Chase Sapphire Preferred means that it can hold it’s own. If I had to choose between the two cards, I would choose the Chase Sapphire Preferred. But, if you’ve already applied for the Sapphire Preferred or are over the 5/24 Chase rule, the Citi ThankYou Premier card is a great alternative.

Credit Score Range: How to Reach an Excellent Credit Score?

credit score range

If you’re trying to understand the credit score range better, you’ve come to the right place.  You’ll learn what the credit score range is, what good credit scores are, and what excellent credit scores are.  Have you ever wondered what goes into calculating a credit score, or how to improve your own credit score?  It’s possible to get into your desired credit score range if you understand a few simple facts.

 

There are different types of credit scores, so you’ll learn the difference between them.  The main scores are Experian, Transunion, Equifax, and the most popular FICO credit scores.  Because FICO is the most used credit score that lenders see, we’ll focus on it mostly.  If you have a good credit score you can use it to your advantage.  You can even travel for free (or close to it) by earning travel points and miles through credit card introductory bonuses.  Learn how this is possible after understanding how the credit scores range works.

 

credit scores range

 

What is Credit?

Simply put, credit is money borrowed for purchases or services that must be paid back within a certain timeframe.  This money is typically borrowed from a bank or financial institution.  Credit usually involves paying a fee, called interest over the time period that the money is borrowed.  Credit can come in the form of a house mortgage, a car loan, or credit cards to pay for smaller purchases.

 

The better your credit score is, the better the terms (lower interest) will be on your borrowed money.  Also, with better credit scores you are able to be approved for travel credit cards that can earn thousands of dollars worth of travel for free.  I am a frequent traveler who uses my excellent credit to earn millions of points to use toward travel for my family.  I’ll show you how that is possible later.

 



 

What is the Credit Score Range?

The most common credit score range is between 300 and 850.  Almost all types of credit score use this range or something very similar.  Within this credit score range, 300 is the worst possible score and 850 is the best.  It is thought that any credit score above 800 is essentially the best because you will always receive the best interest rates Credit Score Rangeand be approved for the best credit cards.  For this reason, you should strive to earn an 800 or better on the credit score range.  Knowing the possible scores within the credit score range is the first step to understanding credit.

 

FICO Credit Score Range

Now you may be wondering what scores mean and what credit score ranges are bad, fair, good or excellent.  To the right, you will find a chart that shows the credit score ranges for each of the ratings.  This chart separates the top scores into good, very good, and exceptional credit scores, while most ratings only have either good or excellent.  It also shows what percentage of people in the United States fall into each of the categories.  As you can see 66% of Americans have at least good credit.  If you have at least a good credit score, you’ll have a better chance of being approved for some of the best travel credit cards.

 

What is a Good Credit Score?

A good credit score is one that falls between 670-749.  With a score in this range, it is possible to be approved for credit cards that require good credit or better.  Having a score of 700+ gives your chances of being approved for those higher level credit cards a boost.  670-699 is more of a gray area.  Some lenders qualify this credit score range as good and others consider it to be fair.  If you have a good credit score, you will likely be approved for loans, but will not get the best terms available to the market.

 

what is a good credit score

 

What is an Excellent Credit Score?

An excellent credit score is one that falls between 750-850.  A perfect credit score is 850, but it is not very important what the number is after you reach 800.  Anyone with a credit score over 800 will have the best chance of being approved for any credit card, and get the best interest rate on loans.  Having a credit score of 800+ puts you in an exclusive club joining only about 20% of all credit scores.  This high of a credit score is only possible if you’ve been responsibly using credit cards and loans for multiple years.  With a score of 750-799 you should qualify for all credit cards and loans, but may not always get the best terms.

 

How are Credit Scores Calculated?

In order to have a FICO credit score, you need to have had at least one account open for six months.  It must also have been reported to the credit bureau within the same time frame.  Also, you must not show as deceased on your credit report.  If you have a joint account with someone who passed away, you may need to close it or have the name of the deceased person removed from the account before your credit score will show up.  While there are three major How Credit Scores are Calculatedcredit bureaus, with whom you’ll have slightly different credit scores, we’re going to focus on FICO.  As mentioned before FICO scores are within the credit score range of 300-850.

 

FICO credit scores are calculated by using five differently weighted factors.  The chart to the left shows the five factors and what percentage each is weighted in calculating a credit score.  The most important factor is payment history, followed closely by credit utilization.  The last three factors: credit age, types of credit, and inquiries combined are weighted about as much as the first two. This means that when you are considering how to improve your credit score, the two largest factors should be focused on the most.

 

Credit Score Range Factors

  1. Payment History (35%)

    Paying your loans and credit cards off in full and on time will help your credit score the most.  An easy way to make this happen every time is by using automatic payments.  It’s also wise to think about your credit card as if it were a debit card.  Don’t spend money that you don’t actually have.  Not only will it hurt your credit score, but you will be paying high-interest charges.

  2. Credit Utilization (30%)

    In terms of a credit card, this means that you want to keep the amount you spend to be less than 30% of the amount of total credit you have been given.  So, if you have a credit line of ,000 you never want to have more than ,000 of debt on the card at any time.  If you want to have an excellent credit score you should really try to keep this amount under 5% utilization.  That means the higher credit line you have the better your utilization should be.

  3. Credit Age (15%)

    The longer you’ve had your accounts open, the more it will help your credit score.  Just because you stop using a credit card very often doesn’t mean you should close it.  If the card has no annual fee, keep it open and try to make a charge on it each year so that it doesn’t get automatically closed.  If the credit card does have an annual fee, call the credit card issuer and ask if there are any no fee options that you can convert to.  This is often an option and will help your credit score in the long run.  For instance, if you have had a Chase Sapphire Preferred credit card, but no longer get enough value out of it to validate paying the annual fee, you can convert it into the no annual fee, Chase Freedom card.  This will extend your overall credit age.

  4. Different Types of Credit (10%)

    Having different types of credit will slightly help your credit score.  This means having multiple loans, such as credit cards, car loan, and mortgages actually help your score. While this does slightly affect your credit score, it is a very small factor.

  5. Number of Inquiries (10%)

    The number of hard credit inquiries you have within the past two years slightly affects your credit score.  A hard inquiry happens each time you apply for a loan or credit card.  Hard inquiries can also occur for things like rental applications.  Typically, each time you apply for a credit card, your credit score will dip 3-5 points.  Over the course of having a credit card, your score will improve more than that, due to the heavier factors above.

 

what is an excellent credit score

 

free credit scoreDo You Know Your Current Credit Score? Check for Free!

Is your credit score a sports car or a clunker?  You should be regularly watching your credit score.  Errors do occur, and it’s always wise to keep an eye on what is going on with such an important factor in your finances.  You can check your credit score for free with Credit Sesame.

Credit Sesame Price: Free Get your free credit score each month, and monitor your credit report at no cost. We'll also send you monitoring alerts about changes to your credit report. Credit Sesame

Along with your overall credit score, they give you a grade A-F for each of the five credit score factors.  They also send you updates and alerts via email anytime major changes happen to your credit.  It’s an easy and completely free way to make sure your credit is safe.  They even have an app now that you can check your score anytime you want conveniently on your cell phone.

 

700 Is the Magic Number for Travel Credit Cards

If you have a credit score of 700 or higher, you are in great shape to apply for travel credit cards that offer excellent rewards.  With a score in this credit score range, you will likely be approved for any credit card you want.  Many credit cards come with introductory offers that can be redeemed for more than $1000 in travel rewards.  The best travel credit card to start with is the Chase Sapphire Preferred.  It typically offers a 60,000 point introductory offer and waives its annual fee for the first year.  That’s enough points to take a very nice vacation with.

 

This was the first ever travel credit card I applied for back in 2012 and it’s still the best card to start out with.  In this post I wrote, you can find out how I spent those first points I earned through the Chase Sapphire Preferred card.  You’ll also learn more details about this card and what makes it so great.  If you’re interested in traveling, points can be your savior.  You don’t have to be rich to travel like you are.

 

travel and leisure

 

The Best Travel Credit Card Offers

While there are hundreds of rewards-earning credit cards, there are a few that really stand out.  The main reason that certain credit cards stand out above the rest is the introductory offers for travel points.  Travel credit cards offer an array of introductory offers ranging from 30,000 points to over 100,000 points.  Two important factors in deciding what travel credit card to apply for are how many bonus points are offered and what the value of those bonus points are.  Not all points are worth the same value when it comes to travel.  When redeemed, some rewards points may be worth less than one cent, while others may be worth more than two cents each.  Here are some of the best offers:

 

Best First Travel Credit Cards

 

Chase Sapphire Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 60,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 2X points on travel and dining.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfer partner hotels and airlines.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is the best first travel credit card to get. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal.

 

Capital One Venture

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 50,000 points after you spend $3,000 in the first 3 months.
REWARDS
You’ll earn 2X points on every purchase.
BENEFITS
Statement credit for Global Entry or TSA PreCheck.
Transfer points to airline and hotel travel partners.
FEES
$95 annual fee. (waived year 1)
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is a great travel credit card. It offers a large introductory offer, free TSA PreCheck for 5 years, plus the annual fee is waived the first year.

 

Best Business Travel Credit Card

 

Ink Business Preferred

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 80,000 points after spending $5000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and select business expenses (including online social media ads).
*Limited to first $150k per year.
BENEFITS
Points are worth 25% more when used in the Chase travel portal.
No foreign transaction fees.
Employee cards at no additional cost.
FEES
$95
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
The signup bonus alone for this card is amazing. Pair that with some great rewards earning for your business and this card is great. If you have a business, we find the Ink Preferred to be the best offer available.

 

*For more information on even more great business credit cards check out this post: Best Business Travel Credit Cards.

Best No Fee Credit Cards

Chase Freedom

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn $150 (in the form of 15,000 Ultimate Rewards points) after spending $500 in the first 3 months.
REWARDS
You'll earn 5% on rotating quarterly categories. (up to $1500 in purchases per quarter)
BENEFITS
Points can be transferred to primary Chase cards for better redemptions.
Free credit score.
ANNUAL FEE
No annual fee
TRAVEL FREEDOM THOUGHTS
This is one of the best "cash back" cards for earning rewards. You can earn up to 5X per dollar and those points can be transferred to a primary Chase card for better redemptions. It's a perfect card to pair with either of the Sapphire cards or the Ink Business Preferred.

 

Wells Fargo Propel

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 30k points after you spend $3000 in the first 3 months.
REWARDS
You’ll earn 3X points on eating out and ordering in. 3X on gas, transit, and rideshares. 3X on travel. 1X on all other purchases.
BENEFITS
Intro APR offer.
ANNUAL FEE
No annual fee.
TRAVEL FREEDOM THOUGHTS
This is a great no-fee credit card. It has a good introductory offer and earns bonus points on many categories.

 

Best Premium Travel Credit Cards

 

Chase Sapphire Reserve

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You'll earn 50,000 points after spending $4000 in the first 3 months.
REWARDS
You'll earn 3X points on travel and dining.
BENEFITS
$300 annual travel credit.
Priority Pass Select airport lounge access.
TSA PreCheck or Global Entry.
Points are worth 50% more when used in the Chase travel portal.
No foreign transaction fees.
1:1 point transfers to partner hotels and airlines.
FEES
$450
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
This is one of the best premium travel credit cards if you want some luxury. It has a valuable signup bonus with easy to redeem points. You also get a boost to your points value in the Chase travel portal. The biggest key to this card is the airport lounge access. If you travel a lot, it's extremely valuable.

 

Amex Platinum Card

LEARN HOW TO APPLY NOW >>
INTRODUCTORY OFFER
You’ll earn 60,000 Membership Rewards points after you spend $5,000 in the first 3 months.
REWARDS
You’ll earn 5X points on flights booked directly with airlines or through American Express Travel. You’ll earn 5X points on prepaid hotels booked on amextravel.com.
BENEFITS
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month (bonus $20 in December).
Enjoy access to the exclusive Global Airport Lounge Collection.
$200 Airline Fee Credit, up to $200 every calendar year with one qualifying airline. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your card. Enrollment required.
Fine Hotels & Resorts Access.
Hilton & Marriott Gold Status.
Discounts on First/Business/Premium Economy tickets.
FEES
$550 annual fee.
No foreign transaction fees.
Terms Apply
TRAVEL FREEDOM THOUGHTS
With a large introductory offer, statement credits, and airport lounge access, this is an excellent premium travel credit card.

 

How to Improve Your Credit Score

If your credit is not yet within the 700+ credit score range you need to work on building your credit.  “How?”, you may ask yourself, is it possible to improve your credit score?  Start by understanding the five factors that go into a credit score: Payment History, Credit Utilization, Credit Age, Types of Credit, and Inquiries.  If you only focus on two things, let them be the two most important factors that add up to 65% of how credit score ranges are calculated.

 

Focus on the Most Important Factors

First, make sure your payments are always, always, always paid on time!  ALWAYS!  Second, get your credit utilization under 5%.  Paying off your credit card in full every month will help with this.  There are two ways to help this utilization percentage.  Lower the amount of credit you use, or raise the amount of credit given to you.  You can spend $500 monthly of a $10,000 total credit line, or $5,000 of a $100,000 credit line.  If you keep your spending as is, and gradually add credit cards with $5-10,000 credit limits, ultimately your credit utilization will go down.  Also, if you are in the market for a new car or home, don’t pay in full.  Taking out a loan for either will help your credit mix which will improve your position in the credit score range.

 

fico credit score range

 

Our Last Thoughts on the Credit Score Range

Now that you have a better understanding of credit score ranges, you can take advantage of, or work to improve your own score.  You’ve learned what the credit score range is, what good credit scores are, and what excellent credit scores are.  You know how a credit score is calculated and how to improve your own credit score.  It is possible to get your credit score into your desired credit score range and to take advantage of the benefits of your good score.  If you love to travel, go use your credit score to earn the vacation of your dreams.  Over and over again!

DMCA.com Protection Status