airline baggage fees

You want to make sure that you’re prepared for air travel ahead of time. When you’re flying somewhere on vacation or on business, it’s important to know what to expect. If you go in without the right knowledge, then it’s possible that you’ll be blindsided by certain fees. There are many different fees associated with air travel but the most common that you will encounter are airline baggage fees.

 

The baggage fees are going to be different depending on which airline you’re traveling with as well. Knowing this, it’s a good idea to look things up before your travel date arrives. This will prepare you and will allow you to ensure that you have enough cash to pay for certain fees. Below, we are going to be taking a look at everything you need to know about airline baggage fees.

 

This is going to give you all of the necessary information. All of the major U.S. airlines are covered here. Take the time to read through so that you’ll never be caught off guard. It won’t take long to inform yourself and it might help you to choose a certain airline over the others as your preferred option.

 

United Airlines Baggage Fees

United Airlines is one of the most popular airlines in all of the United States. It serves millions of people each year and you’ll definitely want to know about their baggage fees before moving forward. This airline generally charges similar baggage fees to its competitors but it may be higher in certain areas. Knowing this, you’ll be able to anticipate how much money your checked bags are going to add to your overall ticket price.

Everything You Need to Know About Airline Baggage Fees (US Airlines) 1

 

Carry-on Bags

  • 1: Free (restrictions apply)

 

Checked Bags

  • 1st checked bag: $25 to $30
  • 2nd checked bag: $35
  • 3 or more checked bags: $150

 

Overweight Bags

  • 1: $100-$200

 

Oversized Bags

  • 1: $200

 

Pet Fees

  • Pet in cabin: $125
  • Held in cargo area: $201-$1034

 

United Airlines has some of the higher baggage fees among all of the airlines in the U.S. It is a good idea to be aware of some of the restrictions of this airline too. For example, this airline offers basic economy tickets at a reduced price. These fares differ from standard economy tickets in that you will not be allowed to check a bag and will only be able to bring one personal item on your flight.

 

If you’re looking for the best possible deal, then you’ll need to be able to travel very light when flying with United Airlines. Depending on your situation, this may work out just fine. It really comes down to your expectations and what you plan to take with you on your flight. Looking at the above information will at least allow you to be prepared for everything.

 

Also, take note that United Airlines offers a convenient online baggage calculation tool. This can tell you exact fees for an upcoming flight. It is a good idea to check things out using this tool even when you know the numbers listed above. You can see by looking at the numbers that there is some variance in the pricing so do your best to be prepared.

 

American Airlines Baggage Fees

For American Airlines, you’re going to need to remember that baggage allowances are going to differ depending on certain factors. Both your fare class and your member reward status are going to have an impact on what bags you will be allowed to take or how much fees are going to be. Before buying a ticket on American Airlines, it is a good idea to confirm which fare tiers are allowed to have a carry-on bag. Take a look at the fees below to get an idea for how American Airlines stacks up.

american airlines baggage fees

 

Carry-on Bags

  • 1: Free or $25

 

Checked Bags

  • 1: $25
  • 2: $35
  • 3 or more: $150

 

Overweight Bags

  • 1: $100-$200

 

Oversized Bags

  • 1: $200

 

Pet Fees

  • Pet in cabin: $125
  • Held in cargo area: $200

 

After looking at the information above, you will see that the fees are mostly in line with what United Airlines is offering. You will have to make sure that you are even able to bring a carry-on to your flight without being charged a fee. You might not be eligible for a carry-on unless you pay the $25 fee. This makes American Airlines a bit trickier than some of the other options on this list.

 

You’ll be allowed to have a carry-on bag unless you’ve purchased a basic economy ticket. You’re going to be allowed to check up to ten bags when flying on this airline. This applies to domestic flights as well as transatlantic and transpacific flights. Other flights will allow you to check up to five bags.

 

Alaska Airlines Baggage Fees

Alaska Airlines is actually going to make things a little bit simpler for you. They give you fixed baggage fees that are very easy to understand. Many customers are going to prefer this as it eliminates confusion. This is going to make it a lot easier to keep your costs low since you’ll have a good idea of what to expect no matter what type of ticket you purchased.

alaska airlines baggage fees

 

Carry-on Bags

  • 1: Free

 

Checked Bags

  • 1: $25
  • 2: $25
  • 3 or more: $75

 

Overweight Bags

  • 1: $75

 

Oversized Bags

  • 1: $75

 

Pet Fees

  • Pet in cabin: $100 (1)
  • Held in cargo area: $100 (1)

 

The baggage fees at Alaska Airlines are very reasonable overall. When compared to the prior two airlines, they’re very favorable. This airline is customer-friendly when it comes to structuring their baggage fees. It makes things so much simpler when you’re trying to keep your costs down.

 

You’ll be able to check bags a bit more easily when you’re flying with Alaska Airlines. If you need to check more than one bag, then the fee on your second bag is going to be the same as the first. This is a good airline to make use of if you need to pack a lot of stuff. Consider flying with Alaska Airlines when possible.

 

Delta Airlines Baggage Fees

Delta is another one of the large airlines that people fly with all the time. As one of the larger airlines, this is going to be a common one that you will come across when searching for a good deal on airfare. Thankfully, Delta has fairly middle-of-the-road baggage fees. The fees listed are going to be for flights within Canada and the United States.

delta baggage fees

 

As with some of the other airlines, fees are going to vary somewhat depending on your fare class as well as your member reward status. This is why it is a good idea to look into specific information for your ticket. This will give you a 100% accurate idea of how your baggage fees are going to look.

 

Carry-on Bags

  • 1: Free

 

Checked Bags within US

  • 1: Free for Delta One, First, and Business Class; otherwise $30
  • 2: Free for Delta One, First, and Business Class; otherwise $40
  • 3: $150
  • 4 or more: $200

 

Overweight Bags

  • 1: $100-$200

 

Oversized Bags

  • 1: $200

 

Pet Fees

  • 1 in cabin: $125
  • 1 held in cargo area: Based on kennel size (varies)

 

Baggage fees can vary quite a bit with Delta Airlines. They also really change things up depending on the class of your airfare. Also, certain baggage fees may be charged in Canadian currency and then converted into the local currency. You’ll want to be prepared for this ahead of time.

 

JetBlue Baggage Fees

JetBlue is a common airline that people make use of as well. There is not really much that stands out about their baggage fees. This is going to be an airline that falls in the middle of the pack when it comes to baggage fees. As long as you know what to expect, you’ll never be caught off guard by the fees that they charge.

jetblue baggage fees

 

Carry-on Bags

  • 1: Free

 

Checked Bags

  • 1: $25
  • 2: $35
  • 3 or more: $100

 

Overweight Bags

  • 1: $100

 

Oversized Bags

  • 1: $100

 

Pet Fees

  • Pet in cabin: $100 (1)
  • Held in cargo area: Not allowed

 

It’s easy to see that JetBlue Airlines doesn’t have the best baggage fees when compared to the other options. It is just about the same as some of the options and worse than some of the more customer-friendly airlines. Even so, the fees being charged are not shocking in any way. It’s simply important to be prepared for the fees they charge ahead of time so that you will know how to best pack for your flight.

 

Southwest Airlines Baggage Fees

Southwest Airlines manages to stand out from the competition in a few positive ways. The most important thing to know about this airline is that they offer two free checked bags with every ticket purchase. This is going to be a great deal for anyone who needs to take several items with him or her on a trip. It helps you to avoid spending much money on baggage fees and keeps things as convenient as possible.

southwest baggage fees

 

Carry-on Bags

  • 1: Free

 

Checked Bags

  • 1: Free
  • 2: Free
  • 3 or more: $75

 

Overweight Bags

  • 1: $75

 

Oversized Bags

  • 1: $75

 

Pet Fees

  • Pet in cabin: $95
  • Held in cargo area: Not allowed

 

Looking at the above airline fees, you’ll see that Southwest Airlines is one of the most reasonably priced airlines when it comes to baggage fees. This is definitely one of the recommended airlines to travel with when you want to keep the fees as low as possible. For some people, it winds up becoming more practical to buy a slightly more expensive ticket with Southwest Airlines than it is to buy a cheaper one for United Airlines. Much of this is going to depend on the situation but it is worth noting.

 

If you want to be able to avoid baggage fees, then you’ll “WANNA GET AWAY” with Southwest who gives you a reasonable chance of doing that. Being able to enjoy free checked bags is a great perk. This will definitely make traveling that much easier for just about anyone. If you can fly with Southwest Airlines, then you should have a good overall experience.

 

Our Final Thoughts on Airline Baggage Fees

Now that you have all of the information about airline baggage fees that you need to know, you will be able to make an informed decision. This gives you a much better idea of what to expect. You will be able to feel prepared for any baggage fees that you’re about to incur. As you can see based on the information above, fees can vary a bit from airline to airline.

 

Some of the airlines on this list are really good at giving passengers the best deals possible. Others are going to be less than customer-friendly. Those who are flying with budget tickets at the basic economy level will likely want to limit their baggage as much as possible. Sometimes you may not even be allowed to have a traditional carry-on bag without paying some type of special fee.

 

As long as you know this ahead of time, you can decide whether your airline ticket is truly going to be a good value. You have to factor in these fees when determining the overall cost of a flight. Failure to do so is going to make it tough to stick to your budget. Use the above information to give yourself a good idea of what you should expect moving forward.

 

It’s also important to keep in mind that these fees will change over time. This information is accurate as of the time of writing but it will likely change moving forward. If you’re ever curious about the baggage fees, it is a good idea to go directly to the source in order to get the most up-to-date information. Just remember to be proactive and you’ll never wind up facing baggage fees that you aren’t prepared for.

5 Benefits of Points and Miles Travel 2

Free flights… Upgraded to first class… Free hotel rooms… Upgraded to a suite… Free food and drinks in that fancy airport lounge… Sounds nice, right?!? These are some of the points and miles travel benefits and perks available to anyone who decides to travel using credit cards to earn miles and points.

EXPERIENCES FROM POINTS & MILES TRAVEL

5 Benefits of Points and Miles Travel 3These are all parts of travel that I have experienced over the past few years. I have flown countless flights where I paid nothing but the taxes and fees (as low as $6). I’ve have flown in first class. I have stayed at hotels without paying any money. I’ve been upgraded to suites in some of those free hotel stays. And, I now can’t stand a layover where I don’t have access to an airline lounge where they have free food, drinks, sockets to charge my phone, and comfortable chairs.

BEFORE TRAVELING WITH POINTS AND MILES

It’s hard to think that just a few years ago, I had no idea that these things would ever be possible, let alone that I could afford to travel much at all. Before points and miles travel appeared in my life, I didn’t think much about travel besides dreaming of places that I wanted to visit someday when I was much wealthier and could afford it. Is this you right now? I want you to know how easy and how available travel can be.

TRAVEL CREDIT CARD BENEFITS5 Benefits of Points and Miles Travel 4

Whether you want to start traveling for the first time and be able to do it for very small amounts of money, or you already travel and want to upgrade how you do it, travel with points and miles can open new doors to either option. The quantity of your travel as well as the quality of your travel can be boosted tenfold by following the simple steps of traveling with points and miles.

FLIGHT BENEFITS

The major flight benefit that comes from travel with points and miles is the airline miles you can acquire without actually traveling to earn them. Through very generous credit card introductory bonuses, you can almost instantly earn multiple free flights. For instance, I just signed up for a Chase Ink Preferred Business card which offered me a introductory bonus of 80,000 Chase Ultimate Rewards. This bonus alone, has the possibility of being used for 3 round trip flights to Hawaii if redeemed how I explained in the blog post “How I Fly Round Trip to Hawaii for $11”. Different credit cards all offer different introductory bonuses that all differ in value, depending how you want to spend the points.

5 Benefits of Points and Miles Travel 5Another benefit from some of these credit cards, is access to lounges which are in all major airports. American, United, Delta, Alaska and many other airlines all have lounges within airports for customers to enter and relax in before and after flights. Normally you would need to be flying first class or pay somewhere around $40 to enter such lounges. Thankfully, there are a handful of credit cards that grant you unlimited access. When you’re traveling often, having access to a lounge is a great benefit. It gives you somewhere to get away from the hustle and bustle of airport terminals, allowing you to also get a snack and charge your phone.  You can see where these lounges exist by visiting LoungeBuddy who has an extensive list (code JnSjMo28aP gives a $10 credit).

If you’re looking to up your quality of travel, you can use miles and points to book first class flights.  You can even upgrade to first class on a flight you’ve already purchased. I mostly use points to upgrade the quantity of my travel, but I’ve upgraded quality a couple times.  It’s quite nice sitting in first class. I definitely suggest trying it out at least once!

HOTEL BENEFITS

5 Benefits of Points and Miles Travel 6Now for the benefits that traveling with points can give you towards hotels… The major benefit, similar to the flight benefits, is the ability to redeem points for free hotel stays. There are credit cards and points systems that can be used at most major hotel chains. Hilton, Hyatt, Intercontinental, and Club Carlson are a few of the main brands. Each of these brands has different chains that are part of their reward system. While I find that points and miles are often more valuable when used towards flights, I do still use them for hotels when it deems advantageous.

Along with point bonuses, some credit cards offer elite status for certain hotel chains. If you had ever heard of elite statuses at hotels, like me, you probably thought that the only way to earn it was by staying at hotels all the time. While that is one way of earning status, you can also earn it simply by having the right credit card. Once you have status at a hotel chain, you are very likely to have your room upgraded. Sometimes, you’ll even be upgraded to a suite if one is available at your check-in time.

GETTING STARTED TRAVELING WITH POINTS5 Benefits of Points and Miles Travel 7

Now that you see what some of the travel benefits are, I can imagine you may be interested. Remember to keep the following in mind when getting started.  When I first learned how to earn nearly unlimited miles and points through credit cards, I jumped in.  I didn’t have much of a plan. If I could go back, I would make a plan before earning points. As I said earlier, all points and miles are not the same and are valued very differently. Having an idea of where you would like to travel is a good starting point.  That way you can earn the points that will be most efficient and beneficial to your personalized travel.

I hope this has given you an idea of what traveling with points and miles can bring into your life. It has opened the door of travel to me, and I would like to invite you in to join the party.

 

PS: If you’re interested in traveling more often or more luxuriously, check out our FREE 5-DAY MINI COURSE.

Visit All Hawaiian Islands

To get started on your travel freedom journey, there are a few important things you’ll need to do.  This will involve a bit of research and preparation so that you are confident and efficient in your plan of attack.  Make sure you do these before diving in, so that you do this the right way.  Remember, your credit is important in life, so don’t use it for travel points and miles if you aren’t in the right place to do so.  

 

CHECK YOUR CREDIT SCORE5 Steps to Create Your Own Travel Freedom 8

First of all, You’ll want to go check your credit score if you don’t already know what it is.  Credit Sesame is a good way to check your approximate score for free.  If your score is around 700, you’re in good shape to use your credit to earn thousands or millions of miles.  Also be sure that you are in a good place personally to use your credit for points and miles.  As I’ve said before, if you’re looking to take out a large loan in the near future, it is not a good time to apply for any credit cards.

 

CREATE A POINTS AND MILES WALLET

5 Steps to Create Your Own Travel Freedom 9Through your journey with Travel Freedom, you will be using many different types of miles and points from an array of service providers.  You may have miles with five different airlines, two banks, and 3 hotel groups at any given time.  You’ll want a way to organize these miles and points as well as the usernames and passwords used for each login.  The easiest way I’ve found to keep track of them all is to aggregate them all in one place – Award Wallet.  Here, you will create your own account, where you’ll input all of your account numbers so your logins, balances and expiration dates will be tracked.  

Their FREE version is fine to begin with, but as you have more accounts you may be interested in paying for their upgraded account that has a few more features.  If you will be using points and miles to travel along with your significant other, you will both want to make an account, and then link the two so you can see both while logged in.

 

REVIEW YOUR MONTHLY SPENDING BUDGET

Ok, now that you know your credit is in a good place, and you have a wallet to keep track of all your points and miles you’ll be accumulating, you’ll need to look at your monthly spending.  You’ll want to verify how much you spend that can be put on a new credit card per month.  This is because most credit card introductory bonuses are given to you after you spend a certain amount of money within the first few months of having the card.  You will need to know how much 5 Steps to Create Your Own Travel Freedom 10spend you’re able to put on the card so that you know if you can meet the minimum spend to release your introductory bonus.  

Once you know how much you spend monthly, you can calculate whether or not you can reach the introductory bonus of each card.  There are ways to get extra spend, to up this level if needed, which I will get into in another blog post.  A great resource to learn about meeting minimum spending limits, is at The Frequent Miler, travel blog.  Now you know what credit cards you can afford to meet the minimum spend for your bonus.

 

5 Steps to Create Your Own Travel Freedom 11PLAN WHERE YOU WANT TO VACATION FIRST

At this point, you could jump in and apply for the best credit card offer you can find, but I don’t believe that’s the best option.  I made the mistake of doing this and wish I had started out slightly different.  Before applying for anything, MAKE A PLAN.  Where do you want to travel to?  Do you want to get a flight with miles, or do you want to book a free hotel with points.  

You have some research and decisions ahead of you.  Once you find the location you’d like to travel to, you’ll need to research what airlines fly between your home airport and your destination.  Then which of those airlines has the lowest price in terms of miles to fly between the two.  Or, if you would rather get free hotel rooms during your stay, you’ll need to know what hotels are in the area and of those, which ones have a rewards program (most do!).  

Google will be your friend in this research, but here are a few other resources from our friends over at Million Mile Secrets – another travel blog:

Airline Award Charts

Hotel Award Charts

How to get to _______ – Guides

 

CHOOSE A CREDIT CARD OR CARDS5 Steps to Create Your Own Travel Freedom 12

Ok, final step!  Depending on all the research you’ve done in the above tasks, find a credit card or multiple credit cards that fit your travel plan.  There are credit cards that offer points and miles directly with hotels and airlines, and there are credit cards that offer their own points system.  Some of these bank reward systems such as Chase Ultimate Rewards and American Express Member Rewards, offer the ability to transfer to a multitude of airlines and hotels.  These are my favorite types of credit card bonuses because of the versatility of the points.  Remember, not all points are valued equally.  Some may be better for one vacation and another may be better for your next vacation.  

 

You’re so close to your first vacation using points and miles, you can probably smell it!  Let me know how it’s going.  I’m here to help you!

 

PS: If you’re interested in traveling more often or more luxuriously, check out our FREE 5-DAY MINI COURSE.

chase credit card application status

After applying for a credit card, you’ll receive one of three different Chase credit card application status messages. You will either be instantly approved, denied, or your application will be marked as pending.

 

No matter what message you get, you can still be approved for the Chase credit card that you applied for. If your card is approved instantly, you have nothing to worry about. Your card will be mailed to you, typically within a week. On the other hand, if your card is instantly denied, it may be harder to get approved, but you can still call the Chase reconsideration line to have a human review your application. If your application is “pending”, it usually means that Chase will take a few extra days to make a decision on your approval.

 

If you contact Chase by phone or online to determine the status of a credit card application, you may find out that your application is under review or pending. This means that it has not yet been approved or denied. However, you will most likely receive the bank’s decision concerning your Chase credit card application status within 7 to 10 business days after you apply for a card. In some cases, Chase has been known to take up to 30 days to decide whether to approve or deny a card application.

 

After waiting for the ten days, you may want to contact the Chase customer service department by phone or on the bank’s website concerning your Chase credit card application status. A member of the customer service team may be able to give you updated information and details about the status of your card request. Of course, all Chase credit card applications are classified as “under review” at some point, whether for a minute or for a number of days.

chase card application status

 

How to Check Your Chase Credit Card Application Status

  • Online: If you have a Chase online account, in the search bar on the top left, select “application status”.

  • Phone: for automated information regarding card applications: 1-888-338-2586

If you do not yet have a Chase online account, you can open an account using your Social Security Number and your credit card application number. This will make it easier for you to check your Chase credit card application status quickly.

 

3 Possible Results After Receiving a Pending Application

  1. APPROVED: You may be notified by email or snail mail that your Chase credit card application status is “approved”, and your card should arrive within another week to ten days
  2. DENIED: You may receive notice that your application has been denied, with a follow-up letter containing a full explanation arriving within 7 to 10 days
  3. MORE INFO NEEDED: You may receive a request from the bank for additional information to correct or clarify one or more items on your application.

 

If your Chase credit card application status decision is taking longer to be determined than you expected, do not get discouraged. The bank takes time to review a number of different factors before deciding whether or not to accept you as a credit card account holder. These creditworthiness factors include your income, credit history, debt status, housing type and the number of credit card accounts you have opened recently. If your application is approved and you want to skip waiting for another 7 to 10 days to receive your new credit card, you can notify customer service to request expedited 72-hour delivery of your card. This may or may not come with a fee.

 

What if Your Chase Credit Card Application is Denied?

If you are denied for a Chase credit card, there is no need for despair or to have discouragement. All applications are automatically reviewed without a human taking a look. You always have the option to have a Chase rep look at your application to see how they can get your approved. After denial, the bank may suggest other credit card types that you may be eligible to apply for with a better chance of acceptance. Your options may include cards with lower credit allowances and secured credit cards for which you pay an initial deposit amount that can be refunded after you gain status as a responsible cardholder and bank customer.

 

However, the bank may not offer you the opportunity of applying for other types of credit cards with Chase. Instead, your card denial notification may include suggestions about how to improve your credit rating before applying for future cards or credit lines. If you receive only tips for acquiring a better credit report, be aware that there is further action that you can take concerning your denied application for credit. You should consider taking further action because Chase will often approve a previously denied application when it’s reviewed by a person.

 

Calling the Chase Reconsideration Line

No one likes rejection from a bank, especially when it involves a request for additional credit for more purchasing power. Whether you are rejected as a credit card holder due to delinquencies appearing on your credit report or because of too many open and active accounts, rejection of your request is never pleasant news. However, you should know that you can always request reconsideration of your Chase credit card application status.

 

Chase Reconsideration Line Phone Number: 1-888-270-2127

 

It is not generally known by many consumers that an applicant’s first card rejection is usually issued by a computerized acceptance/rejection program. This program operates based on an algorithm structured to reject applicants with certain entries on their credit histories. For this reason, it can be very worthwhile to request that your application is reconsidered if your initial card request is denied. I’ve personally been denied for many cards by their algorithm and then been easily approved after a human review. I did this by calling the Chase reconsideration line.

chase application status

 

Legally, you can always contact a bank representative to request a second review of your Chase credit card application status using any additional information that may strengthen your chance of acceptance. According to the Equal Credit Opportunity Act, creditors must take into consideration all information supplied by the credit applicant that gives any indication that the credit history being reviewed lacks full transparency of the applicant’s true creditworthiness.

 

In general, your likelihood of gaining acceptance as a credit card holder via a reconsideration request will depend on your ability to refute, update or negotiate any damaging data on your credit report. If a credit score lower than the score required for obtaining a Chase card is what caused your application to be disapproved, be sure to point out any errors on any and all of your credit bureau reports. If low income kept you from getting approval for your Chase credit card application status, make sure that your latest credit report data includes your current salary or income level. Often times a denial will happen due to the number of credit cards you already have. In this case, you’ll want to be able to tell the Chase representative why you might need a new card and what benefits of this card differ from what you already have.

 

How to Request Reconsideration of Your Application

If you don’t already have a Chase online account, you can either call the bank or write a letter to request reconsideration of your Chase credit card application status. You can make a phone call if you’ll be able to make a strong, effective request for a second review of your application without the use of supporting documents. As a current Chase customer with an online account, you can also use the secure message center to request reconsideration. I’ve had cards reconsidered both by calling and through the secure message center on the Chase website.

 

However, if you think that your request requires a review of additional backup data and information to bring good results, mailing your request as a letter with these documents attached would be the best choice or ensuring an approved Chase credit card application status.

 

Some credit card application rejection notices include a bank contact number that you can call for a more detailed explanation of your denial of a Chase credit card. If you received a rejection notice without a phone number included, you can obtain a contact number for your bank’s card application status information and a mailing address in online website listings of bank credit cards to apply for. You can also locate this information on the Chase.com website under “credit cards” when seeking your Chase credit card application status.

 

5 Tips for Your Chase Card Reconsideration Request

 

Understand the Reasons for Your Credit Card Denial

If your credit card application is denied, your rejection notice should include reasons for this denial. If none are given, you are entitled to request these reasons during the 60 days following the date of your card rejection date. You will need these reasons if you intend to dispute your denial of a credit card from Chase Bank and ask for reconsideration of your Chase credit card application status. Knowing why your request for a card was denied will also help you focus on items on your credit report that need the most improvement.

 

If Chase’s reasons for refusing your application for a charge card seem to be in conflict with your credit report and rating, you should immediately contact a bank representative to discuss these differences. Sometimes, credit reports can include errors as well. There may be negative items that should have been removed from your report by now. Be sure to review your credit reports Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. from all three major credit bureaus thoroughly to ensure accuracy.

 

Request Reconsideration Quickly after Denial

For getting faster reconsideration of your Chase credit card application status, it is best to ask for reconsideration within a few days after you receive your card account denial notice. If you delay and wait a few weeks or a month or more to send your request for a second review of your application, it may be treated as a new application. This could mean accruing another hard inquiry on your credit report and losing points on your credit rating.

 

Build a Good Case for Approval Before Calling

Review the strengths and weaknesses in your credit report carefully before requesting a second review of your Chase credit card application status. If your credit report shows missed or late payments in the past, be sure to point out to the bank representative who reconsiders your application that you have since paid on time for the last 20 months. You want to look like a responsible and reliable potential cardholder with Chase.

 

State Why You Value Being a Chase Customer

State clearly and convincingly why you want to become a Chase credit card holder and why you value this card. Reasons like wanting the travel advantages and the advanced EMV chip safety feature offered by Chase will help you gain reconsideration for card issuance. Be polite, but firm in expressing your interest in and desire for having a new credit card through a reassessment of your Chase credit card application status. If you’re already a Chase customer make sure to say that you are a loyal customer and would like to continue doing business with them.

 

Negotiate Your Credit Line if Needed

If all else fails to win acceptance for a new Chase card in your name, you may want to negotiate a “deal” like offering to accept a lower line of credit until you prove that you are a responsible and dependable cardholder. You should negotiate only after trying to gain “approved” as your Chase credit card application status by other means. You want to avoid appearing to lack confidence in your ability to maintain a good account or seeming like you are desperate for another credit card.

 

As a current Chase cardholder, you can also negotiate to move some of your credit line from another card to add room for your new card. It’s also sometimes possible to close an old card in order to be approved for the new card. In this case, you’ll also want to move the credit line over to the new card as it will help your credit score.

chase credit application status

 

7 Best Chase Credit Cards to Apply For

If you’ve yet to apply for your Chase credit card, here are the best Chase credit cards and some of their benefits. You can review them to be sure you’re choosing the best card for you. Chase is known for having some of the best signup bonuses and benefits of any credit cards.

 

Personal Chase Credit Cards

 Sapphire Preferred
Chase Credit Card Application Status: Learn How to Get Approved 13
Sapphire Reserve
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Chase Freedom
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Freedom Unlimited
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Signup Bonus60,00050,000$150 (15,000 pts)$150 (15,000 pts)
Bonus Spending Categories2X on travel and dining3X on travel and dining, 10X on Lyft5% on select rotating quarterly categories1.5% on all purchases
Annual Fee$95$550$0$0
Extra PerksBaggage insurance, trip insurance, rental car insurance$300 annual travel credit, TSA PreCheck or Global Entry, Priority Pass Select, Lyft Pink, Door Dash statement creditsPurchase protection, extended warrantyPurchase protection, extended warranty
Best for People Who...Want a large introductory bonus

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Business Chase Credit Cards

 Ink Bus. Preferred
Chase Credit Card Application Status: Learn How to Get Approved 17
Ink Business Cash
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Ink Bus. Unlimited
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Signup Bonus80,000$500 (50,000 pts)$500 (50,000 pts)
Bonus Spending Categories3X on travel, shipping, internet, cable, phone, and online ads5X on office supply stores, phone, internet, and cable, 2X on gas and dining.1.5X on all purchases
Annual Fee$95$0$0
Extra PerksCell phone protection
Primary Car Rental Insurance
Travel Insurances
Strong 5X Rewards CategoriesPurchase protection, extended warranty, free employee cards
Best for People Who...Want a huge introductory bonus

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Want cell phone accident coverage
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Alternative Methods to Apply for a New Credit Card

If your final Chase credit card application status ends with a denial there are always other good opportunities to explore and consider. For example, you can always apply for a card from another bank or other credit card issuer. Since every credit card application acceptance is based on somewhat different criteria, you may be successful in being approved for a card through another issuer.

 

You can also apply for a credit card with lower requirements for acceptance if you do not gain the Chase credit card application status of approval. Although it may seem better to apply through a different bank or credit card issuer, it can be to your advantage to apply through Chase again. By choosing this route, you are reinforcing your interest in becoming a Chase card account holder and reaffirming the fact that you value having a Chase credit card. By staying in touch with a bank credit division representative throughout the entire re-applying process, you may gain prompt approval.

 

You can also apply for a secured credit card with Chase Bank if you do not receive “approved” as your final Chase credit card application status. These cards do require that you pay a security deposit (that is later refundable) to the bank or other card issuing company, but they are excellent credit building and repair tools. Why not enjoy the use of a credit card from a valued issuer while increasing your likelihood of approval for a higher tier card and line of credit in the future? You can gain the card issuer’s approval for additional credit while enjoying use of your new charge card.

 

Once you understand the Chase credit card application status and how best to respond to each phase of your card request’s approval, denial or pending status, you will become more confident and successful at obtaining a new charge card from Chase. When you are fully aware of ways to reverse a card application denial and other options that are available for gaining additional credit cards and credit allowances, the process will be more relaxed and free of stress.

 

You will also gain valuable knowledge about ways to improve your credit report and rating to ensure greater success at obtaining new cards and more credit in the future. You will benefit from some very valuable information along the path to obtaining the desired rating of “approved” as your final Chase credit card application status.

Southwest Hawaii Flights: The Ultimate Information Guide 20

The long-awaited launch of Southwest Airlines flights to Hawaii is ever so close to fruition. Southwest has officially announced that they’ll start flying to Hawaii. They’ve also announced the first Southwest Hawaii destinations and confirmed when they plan to start flying the routes.

 

Southwest customers have been eagerly waiting for the low-cost airline to make their way to Hawaii. It should mean more competition for routes from the west coast to Hawaii and therefore lower prices. That’s the hope anyway. The two main competitors that Southwest will face are Alaska Airlines and Hawaiian Airlines who have already begun to lower prices in anticipation of Southwests entry into the Hawaii routes. The biggest question is, when will they actually launch these Southwest Hawaii flights?

 

When will Southwest Start Flying to Hawaii?

UPDATE: Southwest is NOW flying to Hawaii!

 

Southwest has been working non-stop on preparing for their flights to Hawaii. They have their new facilities, equipment, staff and Hawaii flight schedules all ready to go. Southwest has opened a base in Los Angeles to help staff the Hawaii flights, and they have plans to set up a large operation in Honolulu with several gates. Southwest has also been working for over a year with the Federal Aviation Administration to get certification for long, over-water flights.

 

The certification that Southwest is working on getting is called ETOPS (Extended Twin Engine Operating Performance). To get ETOPS certification Southwest must prove that they can safely fly for an extended amount of time in the event of an engine failure.

 

Because Southwest is completely ready for their Hawaii flights, they’ll likely start flying days after receiving their certification from the FAA. The bad news is that certification seems to have been delayed. Even with delays, Southwest should begin flying to Hawaii in early 2019. A January or February launch is expected. Just in time for the end of whale season!

southwest airlines hawaii

 

Southwest Flights to Hawaii Timeline

  • April, 2018 – Southwest announced that it plans to fly to four Hawaiian destinations. Oahu, Maui, the Big Island, and Kauai will be the first Southwest Hawaii destinations.
  • May, 2018 – They announced that the first four Southwest routes to Hawaii will depart from Sacramento, Oakland, San Jose, and San Diego.
  • August, 2018 – Southwest said flights would likely be announced in October and would start flying weeks later.
  • October-December, 2018 – patiently waiting to hear something… but no word

 

Our Future Predictions:

  • December, 2018-January, 2019 – Completion of ETOPS testing of flights across the Pacific Ocean, ETOPS final certification, flight announcements, and ticket sales go live.
  • January-February, 2019 – Direct flights to Honolulu and Kahului begin operating.
  • February-March, 2019 – Flight extensions to Kona and Lihue begin operating (inter-island).
  • March-June, 2019 – Direct flights to Kona and Lihue begin operating, inter-island flights begin operating (including Hilo), and flights from Los Angeles begin operating to all four islands.

 

These are our timeline predictions of how we think it will play out after reading every possible article we could find on the Southwest Hawaii flights situation.

 

In reality:

  • Southwest flights to Hawaii from California started on March 17, 2019.
  • There are now flights from the mainland to Oahu and Maui, and also inter-island flights.

Southwest Routes to Hawaii

Adding Southwest flights to Hawaii is just about as good as it gets for customers looking to travel to the islands. Personally, two of my favorite things in travel are joining forces. Southwest Airlines and Hawaii are finally getting together. Southwest has officially announced that they will soon be offering flights to Kahului, Maui (OGG), Kona-Kailua, Hawaii (KOA), Lihui, Kauai (LIH), and of course Honolulu, Oahu (HNL). By far, these are the most frequently used airports in Hawaii so it makes sense why they chose them. Budget travel to Hawaii just became more competitive.

 

The first four departure airports that will have Southwest Hawaii flights are Sacramento (SMF), San Jose (SJC), Oakland (OAK), and San Diego (SAN). All cities in California, which makes sense because they are the closest distance to Hawaii.

 

We’ve been waiting for this day for years, and absolutely love that there will be Southwest flights to Hawaii. We travel to Hawaii on average, at least once per year since we started traveling with points and miles. It’s our favorite destination and now it will be even easier to travel to. One thing I’m extremely excited about is using a Southwest Companion Pass on Southwest flights to Hawaii. This allows for some extremely good deals and savings to be had! Just think, buy-one-get-one-free flights to Hawaii for two consecutive years using a Companion Pass… That’s absolutely incredible. We might just have to start going to Hawaii every month!

southwest hawaii flights

 

Southwest Will Offer Inter-Island Flights

Southwest plans on flying inter-island routes as well. Currently, there are only a few options to go between the islands. Having another competitor in the space should create some cheaper fares for island hoppers. Sometimes it’s nice to take a longer Hawaiian vacation and split your time between multiple islands. My wife and I did this for our honeymoon and to celebrate our one year anniversary.

 

What Hawaii Routes will Southwest Fly Next?

Obviously, as stated above, it will make sense for Southwest to fly between Los Angeles and Hawaii in the near future. I would expect that to be the first addition to the route list. But, where else might Southwest fly from? Here are some of the possibilities:

  • Los Angeles, Ca (LAX)
  • San Jose, Ca (SJC)
  • Sacramento, Ca (SMF)
  • San Diego, Ca (SAN)
  • Seattle, Wa (SEA)
  • Portland, Or (PDX)
  • San Francisco, Ca (SFO)
  • Las Vegas, Nv (LAS)
  • Denver, Co (DEN)
  • Salt Lake City, Ut (SLC)
  • Phoenix, Az (PHX)

 

Question: Where do you think Southwest will fly to Hawaii from?

Answer: Turns out they started with only California flights. It makes sense due to the populations there.

 

The Experience of Flying Southwest to Hawaii

So, the time has come. I’m about to be on a plane with Southwest Airlines, flying to Hawaii! It’s so exciting, but what should I expect the experience to be like? Will it be any different than other Southwest flights? Normally, Southwest flies shorter routes over land. This is a five-plus hour flight over the Pacific Ocean. Are my bags still free? Are there food and drinks? Do I have an assigned seat? Do they use the same planes without first class? There are so many questions about the new Southwest Hawaii flights. We have the answers you’ve been looking for when it comes to Southwest Airlines flights to Hawaii.

 

Most things will be the same as any other Southwest flight, but there will be a few differences to accommodate the longer flight times.

southwest airlines companion pass

 

Southwest Hawaii Flight Prices

One reason that customers are so excited about Southwest flying to Hawaii is that having another competitor should lower prices. Experts predict a pricing battle on Hawaii flights between Southwest, Alaska, and Hawaiian. Many think that flights will begin at prices from $99-139 each way.

 

Southwest moving in on the Hawaii market is much needed for customers. Prices for Hawaii flights have become outrageous in recent years. A few years ago you could find Hawaii flights for $300-400 round-trip pretty regularly, but now you’re lucky if you find the same flight for under $700.

“We will come in with lower fares, and not introductory fares. We have the structure to offer low fares…. It’s got to be a price that’s competitive and the lowest price in the market.”

– Southwest Airlines president Tom Nealon.

 

Not only will Southwest have low prices, but it should lower its competitors’ pricing as well. A Northeastern University study showed that when Southwest enters a market, it drops the prices of airfare up to 24% for those routes. They called it the “Southwest Effect”. Let’s hope that’s the case with Southwest Hawaii routes.

 

Southwest Boarding Procedure on Hawaii Flights

The Southwest boarding procedure will stay the same for the most part. Having no assigned seats, and rather getting a boarding order at check-in will stay the same. Getting on and off the planes may be slightly different. In Hawaii, Southwest will likely use outdoor boarding ramps and possibly board from both the front and back doors of the planes. They’ve been testing this procedure at a few California airports to see if it speeds up the process. Southwest will use boarding ramps because many of their gates will be on the ground level and weather most often permits it.

 

Seating & Service on Southwest Hawaii Flights

One thing that Southwest doesn’t have, that it’s competitors do, is first-class seating. Southwest has never offered a first-class and they won’t start now. Their Hawaii flights will have the same seating arrangements as its other planes with the one class throughout the plane. Note that Southwest emergency exit row seats usually have more leg room than elsewhere.

  • No seat assignments. There will still be a $15 early boarding option.
  • No in-seat charger ports. You’ll need to bring a charged battery and perhaps a portable battery charger.
  • In-flight entertainment will be available on your own devices only. Wi-fi may be available for a fee.

 

Food on Southwest Hawaii Flights

No meals will be for sale on Southwest flights to Hawaii. There will only be drinks and snacks as is customary for Southwest Airlines. Southwests planes don’t have ovens or coolers in the galley so having meals is not an option. I would, although, imagine that the snack options will be broadened compared to other Southwest flights. Along with the typical pretzels, peanuts and crackers, they’ll likely have larger snacks for purchase. I’m guessing things like nuts, dried fruits, chips, jerky and cookies will be for sale on Southwest Hawaii flights.

 

Bags Fly Free on Southwests Hawaii Flights

Bags always fly free on Southwest. It won’t change for Hawaii flights, as you’ll still be able to check two complimentary bags. Having no fees for checking two bags can save upwards of $50 on each one-way flight per person.

 

What Planes will Southwest Fly to Hawaii?

Southwest currently flies all Boeing 737’s for every single flight, which will be no different for their Hawaii flights. Southwest will eventually upgrade it’s Hawaii flights to use 737 MAX 8 and MAX 7 jets, which have greater range and better fuel efficiency. They also carry more passengers and have an extra restroom. With these new planes, Southwest will have the opportunity to fly directly from the US Mountain West region (Denver and Salt Lake City).

 

Using Southwest Rapid Reward points to Fly to Hawaii

Another great thing about Southwest flying to Hawaii is the ability to use Rapid Rewards points on their flights. On average, Rapid Rewards points are worth 1.6 cents each when used for a “Wanna Get Away” fare. That means if the pricing estimations above are correct, you’ll be able to find one-way Southwest Hawaii flights for 6,000-9,000 points.

 

That is an incredible value of points! If you consider that sometimes the Southwest credit cards offer signup bonuses of 60,000 miles, you could purchase up to five round-trip flights with a single credit card offer. It’s an even better value if you can earn a Southwest Companion Pass for two years, essentially doubling the value of your points.

 

Will Companion Pass Work for Southwest Hawaii Flights?

Yes, a Southwest Companion Pass will be valid to use for Hawaii flights. This means that you can both use Rapid Rewards points and a Companion Pass together, to get a free second ticket while using points. Did I mention, if you earn Companion Pass you’ll have it for up to two years and you’ll also have at least 110,000 miles to use! I almost can’t believe how amazing this opportunity is. You can earn a Southwest Companion Pass by earning 110,000 miles in one calendar year (credit card signup bonuses count). Here are all the available Southwest credit cards that can help you earn your own Southwest Companion Pass to use on Hawaii flights. We already earned ours and are ready to take action in 2019!

how to get southwest companion pass

 

Southwest Rapid Rewards Plus

Southwest Hawaii Flights: The Ultimate Information Guide 21 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
INTRODUCTORY OFFER
You'll earn 40,000 points after spending $1000 in the first 3 months. Plus 35,000 more points after spending $5,000 in the first 6 months.
REWARDS
You'll earn points on Southwest purchases and Rapid Rewards hotel and car rentals.
BENEFITS
Earn 3000 points on your cardmember anniversary.
All points from credit card count toward Companion Pass.
FEES
$69 annual fee.
TRAVEL FREEDOM THOUGHTS
Southwest points are great because when they have a sale, their award chart goes on sale as well. By getting a personal and business Southwest card you can be well on your way to Companion Pass status.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

Southwest Rapid Rewards Premier

Southwest Hawaii Flights: The Ultimate Information Guide 22 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
INTRODUCTORY OFFER
You'll earn 40,000 points after spending $1000 in the first 3 months. Plus 35,000 more points after spending $5,000 in the first 6 months.
REWARDS
You'll earn points on Southwest purchases and Rapid Rewards hotel and car rentals.
BENEFITS
Earn 6000 points on your cardmember anniversary.
All points from credit card count toward Companion Pass.
FEES
$99 annual fee.
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
Southwest points are great because when they have a sale, their award chart goes on sale as well. By getting a personal and business Southwest card you can be well on your way to Companion Pass status.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

Southwest Rapid Rewards Priority

Southwest Hawaii Flights: The Ultimate Information Guide 23 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
INTRODUCTORY OFFER
You'll earn 40,000 points after spending $1000 in the first 3 months. Plus 35,000 more points after spending $5,000 in the first 6 months.
REWARDS
You'll earn 2X points on Southwest purchases and Rapid Rewards hotel and car rentals.
BENEFITS
$75 Southwest travel credit each year.
4 Upgraded boardings per year.
20% back on in-flight drinks and wi-fi.
Earn 7500 points on your cardmember anniversary.
All points from credit card count toward Companion Pass.
FEES
$149 annual fee.
No foreign transaction fees.
TRAVEL FREEDOM THOUGHTS
Southwest points are great because when they have a sale, their award chart goes on sale as well. By getting a personal and business Southwest card you can be well on your way to Companion Pass status.
LEARN HOW TO APPLY >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

Southwest Rapid Rewards Business Premier

Southwest Hawaii Flights: The Ultimate Information Guide 24 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
INTRODUCTORY OFFER
You'll earn 60,000 points after spending $3000 in the first 3 months.
REWARDS
You'll earn 2X points on Southwest purchases and Rapid Rewards hotel and car rentals.
BENEFITS
Earn 6000 points on your cardmember anniversary.
All points from credit card count toward Companion Pass.
FEES
$99 annual fee.
No foreign transaction fees.
Employee cards at no additional cost.
TRAVEL FREEDOM THOUGHTS
Southwest points are great because when they have a sale, their award chart goes on sale as well. By getting a personal and business Southwest card you can be well on your way to Companion Pass status.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

How to Earn Even More Southwest Miles to Use with Your Companion

Did you know that Chase Ultimate Rewards points transfer to Southwest at a 1:1 ratio. After you earn your Southwest Companion Pass, you can stack your Southwest miles balance by earning Chase Ultimate Rewards to transfer to your Rapid Rewards account. Below are the best credit card offers to earn Chase Ultimate Rewards points.

 

Chase Sapphire Preferred

Southwest Hawaii Flights: The Ultimate Information Guide 25 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

Ink Business Preferred

Southwest Hawaii Flights: The Ultimate Information Guide 26 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

If you’re looking to travel a lot in the next year with that Companion Pass, you might also be interested in priority airport security screening and airport lounge access. You can receive those travel benefits and much more with the Chase Sapphire Reserve.

 

Chase Sapphire Reserve

Southwest Hawaii Flights: The Ultimate Information Guide 27 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
Also Earn a total of 10X points on Lyft rides.
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.
1 year of Lyft Pink.
FEES
$550
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

southwest flights to hawaii

 

Southwests Competition for Hawaii Flights

Southwest bringing its service into the Hawaiian market is sure to bring some fierce competition. The main competitors for Southwest Airlines flying to Hawaii, are Alaska Airlines and Hawaiian Airlines. Airline industry analysts are predicting Southwests entry into the Hawaii market to cause both a pricing war and a “game of one-upmanship unlike any since airline deregulation in the ’70s”.

 

Both Hawaiian Airlines and Southwest pride themselves on their customer service and generousness. It will be interesting to see how far they will go to keep/gain customers. Executives of Hawaiian Airlines and Alaska Airlines were recently asked questions about the possible pricing war that Southwest will bring. Both airlines’ executives said that they are positioned well in Hawaii with amenities and features that Southwest does not have. Two things that Hawaiian Airlines has that Southwest doesn’t, are first-class and meals. In fact, Hawaiian has revamped first-class with lie-flat seating in many of their planes.

 

The incoming pricing war for Hawaii flights has even made its way into reward travel. Alaska recently lowered the number of miles needed to fly from the mainland to Hawaii. A round-trip reward flight on Alaska Airlines will now take 25,000-30,000 miles.

 

For customers looking to fly to Hawaii, this competition is great news. It should make prices to fly to Hawaii much more reasonable both in the short term and long term.

 

When will Southwest Start Flying to Hawaii?

So, now that we’ve covered every single angle of the new Southwest Hawaii flights news let’s decide when we think there will officially be Southwest flights to Hawaii. January of 2019 seems very likely. Southwest had planned to roll out their Hawaii flights in 2018, but they had unforeseen roadblocks. The ETOPS certification has taken longer to finalize than they had imagined. The good news is they are completely prepared to launch as soon as they get the go-ahead from the FAA. If Southwest isn’t flying Hawaii routes by the end of January, I’d imagine it won’t be long after that they launch service.

 

Southwest is well prepared for their launch of Hawaii flights. Are you?

janice lintz travel interview

Welcome to the first episode of Travel Freedom’s “Traveling With Points” interview series.  We will regularly be featuring travelers who take advantage of points and miles to enjoy adventures all around the world.  You will get a glimpse into the lives of people who are already traveling by using points and miles.  Let’s get it started and jump into our first ever interview!

Tell Us a Little Bit About Yourself

My name is Janice Lintz

I am passionate about travel and good food.  I travel for food.

I am divorced and have two grown children, ages 24 and 20.

I live in NYC.

I grew up traveling.

 

How long have you been traveling with points and miles?

Since American Airlines (AA) introduced points, but I grew up with a mother who always chased the deal. She once booked the Eastern Airlines promotion where we could fly anywhere Eastern Airlines flew for 21 days as long as we went in the same direction. It was an incredible trip to Bermuda, Jamaica, Las Vegas and Mexico. We looked like jet-setters when we were just a typical American family.

 

How did you first find out about this somewhat secret world?

Someone told me about the AA card when AA introduced it. But I upped my game when I met a couple at a safari lodge in South Africa who told me I could get two free Park Hyatt nights from a sign-up bonus. I had never heard of sign-up bonuses until then. I was obtaining points from regular spend. Learning about the sign-up rewards was a game changer.

 

What was the first trip you took using miles and points?

We flew to Nepal using points. Although, at the time we could only fly to Frankfurt on AA and then we had to pay for the flight from Frankfurt to Kathmandu.

Whats the best credit card introductory bonus youve ever received?

Recently, the Ritz Carlton bonus was initially three-nights free at a four-star Ritz-Carlton. The Ritz-Carlton Aruba fell into this category. My status at the time entitled me to free breakfast, and the front desk clerk insisted my stay included a resort credit. The hotel knew it was my birthday, so they upgraded my room and provided me with special treats. A standard room alone would have cost $1,908, but I paid nothing. My fantastic stay was an incredible use of my certificates. Plus, I received the travel credit and the other perks. Sadly, the card no longer exists.

janice lintz traveling with points

Near Aruba’s Natural Pool which is a “must see.”

Although, years ago, AA used to give free night certificates with AA awards. For some bizarre reason, we never used them. But once we returned home from France and our home’s construction wasn’t finished. The contractor didn’t get around to installing the staircase. So we had to move to a hotel.

Suddenly, I remembered having a stack of free night certificates. We took the pile and booked a room at the newly opened, first W Hotel, on Lexington Avenue in NYC. The room was so tiny that we had to be upgraded multiple times to fit four people in the room. The manager wasn’t happy that we were about to camp out in the hotel for about a month for free. Plus, my children didn’t fit the profile of the W’s demographic. The manager agreed to let us stay for a week. My daughter still remembers marching down the elevator in her school uniform and wondering why everyone wore black?

 

What do your friends and family think of your points and miles traveling?

My children and friends think I am insane but yet, they can’t believe the trips I take. My daughter has zero interest in obtaining sign-up bonuses, but she is happy to join me on trips.

As good as I am, I think my mother was better than me. She would never leave a point on the table. When my mother died, she was so frustrated that she couldn’t use or gift us some points, that she used them to obtain gift cards. She refused to draft a will, but she left a stack of gift cards for my brothers and me.

 

What is the best trip youve taken? Tell us a little bit about it.

janice lintz traveling with points

In Burundi, dining at Cercle Nautique De Bujumbura and request the table on the terrace to dine adjacent to the hippos. Does it get better than this?

After my divorce, the judge stuck me with substantial legal bills despite me being the non-monied spouse. I have never carried debt in my life. So, I slashed every expense. I sold my car, cut chords and eliminated shopping to pay-off the six-figure debt. I am never one to waste a crisis and view obstacles as opportunities. One attorney permitted me to pay him using credit cards and didn’t charge me interest. So, each payment to him resulted in a sign-up bonus. In about three years, I earned over two-million points in sign-up bonuses alone excluding free nights. The points and sign-up bonuses have enabled me to take incredible trips.

My most recent trip was epic. I traveled for seven weeks in East Africa and the Indian Ocean. All of my international flights were on points. I went to Cote d’Ivoire, Ethiopia for transit, Burundi, Zanzibar, Rwanda, Uganda, South Sudan, Comoros, Mayotte, Madagascar, Zambia, Mozambique, and Malawi. My goal is to visit every country in the world, and this trip added quite a few new destinations.

janice lintz traveling with points

Above: In Zanzibar, go to The Rock Restaurant for an incredible meal at one of the coolest restaurants on a rock. Pro-tip: You may need to walk through the water in low tide so don’t wear a long dress and bring swim shoes.

I transferred Amex points to Aeroplan for Ethiopian Airlines (ET) flights, since Aeroplan allows one stop in addition to an open-jaw. My flights were EWR>ABJ>ADD>BJM and then LLW>EWR (airport codes).

Plus, ET had an overnight in ADD with a free hotel. Although, the hotel was disgusting, so if I ever transit again, I would pay for my room next time. Free is not good when the sheets and carpet are stained.

Planning the trip was complicated until I discovered an outstanding site, AwardEx.io. Its a game changer and simplified the process for me.

For flights, I used Citi Thank You points when flights weren’t available on points, or the airline like Rwandair didn’t participate in a frequent flier program. Plus, I saved 20% off the airfare while earning points when available. Amex had a terrific 25% transfer bonus to Flying Blue before the program changed this summer. One of the best cards which is not well known is the MERRILL+ Visa Signature. It came with a 50,000 point sign-up bonus. But the real benefit is that the first 25,000 points are

janice lintz traveling with points

Seeing the gorillas in Rwanda was my number one bucket list item. Can you believe how close I am?

converted to $500 when booking a $500+ flight. The only issue is finding an agent who understands the program. I used the bonus to pay for a pricey plane from TNR>LVI.

US Bank’s Radisson card provided two free nights at the Radisson Blu in Kigali, Rwanda. I used points plus spend at the Park Hyatt Zanzibar so that I would still receive points, and get a better rate for my points.

Both properties were outstanding. I also used the Citi fourth night free program for my hotel in Mozambique toward the end of the trip when I knew I would need a little R&R.

For small hotels, I purchased gift Hotels.com gift cards when they were on sale to stack the discounts with coupons or free nights. I saved at least 20% on my stays. Calling or

janice lintz traveling with points

My Capital One Venture card paid for my pricey Microlight flight over Zambia’s Victoria’s Falls.

emailing properties directly sometimes saves money but not always. Sometimes, the OTA’s have better prices.

Also, thank you Capital One Venture card for an experience of a lifetime. Microlighting above Victoria Falls

 

How often do you travel now, compared to before you knew about traveling with points and miles?

Our family, including my grandmother always traveled extensively including when I was younger. After my siblings and I were grown, my mother was away so frequently; it was hard to remember her schedule. Travel is part of my DNA. The points have enabled me to continue traveling.

I travel when I can leave. Sadly, my divorce while final, continues after eleven years. Even on this trip, I was served yet another motion. It is mind-boggling how a person who has money can use the judicial system to torture another person. Traveling provides me freedom. Hence, I am writing a book, Passport To Freedom.

 

What are your upcoming travel plans?

My goal is to travel to all 193 UN countries and the Traveler’s Century Club’s (TCC) 327 destinations. To date, I have visited 116+3 UN countries and 160 TCC destinations.

I am in the process of planning my future trips, but one of my tours is to see the polar bears in Churchill, Canada. Again, the flights are on points.

 

What is your best tip for people just getting into traveling with points and miles?

The process can seem overwhelming. But, its best to start small. I always recommend a person who can manage credit, pull their three credit reports and go over them with a fine tooth comb. Make sure the information is correct. You don’t want a bank to decline you for inaccurate information. My credit report said I worked in a pizza shop and had a lien in Lewiston, NY. Neither was correct.

If there is wrong information, then contact the reporting agency. If they don’t correct it quickly, then file a report with the CFPB. It’s online and thanks to Senator Warren. The reporting companies resolve the issues rapidly. Then start with the Chase cards while you are under the 5/24 mark. But read a few 101 Points guides for guidance after you get your feet wet.

 

How can people follow you?

On my website: janicelintz.com and on Instagram @janicelintz

 

Thank you Janice

Thank you for letting us dig deep into your travel experiences.  Your trip to Africa definitely sounds epic!  Can’t wait to find out more about your book in the future…

 

Would YOU like to share your points & miles journey on Travel Freedom?

We would all love to find out how YOU travel using points and miles!  If you’d like to be considered for a future “Traveling With Points” interview, please EMAIL US.  We’re always happy to hear more success stories in the points and miles community.

Photos courtesy of Janice Lintz

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

Chase Sapphire Preferred 100k Signup Bonus is Gone Forever 28 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

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 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. , 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 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. , 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

Chase Sapphire Preferred 100k Signup Bonus is Gone Forever 29 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

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 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. .

Chase Freedom Unlimited

Chase Sapphire Preferred 100k Signup Bonus is Gone Forever 30 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

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 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. .

 

Chase Sapphire Reserve

Chase Sapphire Preferred 100k Signup Bonus is Gone Forever 31 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
Also Earn a total of 10X points on Lyft rides.
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.
1 year of Lyft Pink.
FEES
$550
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

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 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. .

 

Ink Business Preferred

Chase Sapphire Preferred 100k Signup Bonus is Gone Forever 32 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

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 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. .

 

Ink Business Cash

Chase Sapphire Preferred 100k Signup Bonus is Gone Forever 33 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

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 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. .

 

Ink Business Unlimited

Chase Sapphire Preferred 100k Signup Bonus is Gone Forever 34 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

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 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. .

 

Keep It Simple with Chase Ultimate Rewards Cards

As you can see, there are many reasons why the Chase Sapphire Preferred Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. 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 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. 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 >>
traveling with points

Welcome to Travel Freedom’s “Traveling With Points” interview series.  We regularly feature travelers who take advantage of points and miles to enjoy adventures all around the world.  You will get a glimpse into the lives of people who are already traveling by using points and miles.  Let’s get it started and jump into our newest interview!

 

Tell us a little bit about yourself

Hi, I go by WkndMom online, and I’m a Biomedical Engineer by trade, financial and travel blogger by personality, and hopefully, in the next few years, a mother by biology. I’m getting married in January 2019 and we’re taking a lot of pre-honeymoon trips before we take our extra extravagant honeymoon. We love to travel and scuba dive so we try to do

traveling with points wkndmom

Kayaking in Lake Powell, part of Antelope Canyon. The water is so beautiful and perfect to swim in after kayaking and visiting Antelope Canyon.

that as much as possible. I’ve been based out of Texas for the last year but am moving back to New Jersey in the fall– all those trips home really helped with racking up the miles. Aside from traveling, my fiancé and I both have the goal of having children and becoming FIRE (financially independent, retired early), so saving money while traveling is really important to us.

 

How long have you been traveling with points and miles?

It’s been just over 3 years since I started collecting miles and points to travel for less. And, as of August 2018, its been exactly 3 years since I first redeemed my points for free flights.

 

How did you first find out about this somewhat secret world?

I found out about miles and points through a friend of mine who loves Reddit.  After we took a trip together and realized it was much too expensive to sustain. She saw something on Reddit and was telling me about how signing up for credit cards to earn the bonuses, then cancelling later was a way to get free or really discounted travel. Skeptical, I did some of my own research and decided to give it a try. From then on, she and I’ve been hooked on finding the right cards to take all the trips we want!

 

traveling with points wkndmom

Admiring the the sand dunes in Coral Pink Sand Dunes park in Utah.

What was the first trip you took using miles and points?

My first trip was to Germany with my soon to be husband 3 years ago. I did a post on it a while ago and the story was also featured on Million Mile Secrets.

Germany on Points & SO Travel – Go Fire Mama Go

What’s the best credit card introductory bonus you’ve ever received?

My most prized introductory bonus was when I heard the 100k bonus that was originally offered with the Chase Sapphire Reserve card. It wasn’t all that much spending to earn it, but I’m still spending that bonus!

 

What do your friends and family think of your points and miles traveling?

Ha. They think I’m ruining my credit score or spending a ton of money I don’t have, to travel. Others don’t understand. They think I waste a lot of my time trying to keep up with the programs and earning bonuses. The funny thing is, I’m on my way to retiring early while traveling multiple times a year and after setting reminders, I don’t spend too much extra time keeping up with it all!

 

traveling with points wkndmom

My favorite photo from our time in Peru, the lama posed perfectly to get the ruins in the background. We also saw a double rainbow over the ruins when we first arrived!

What is the best trip you’ve taken? Tell us a little bit about it.

The best trip I’ve taken was to see Macchu Picchu in Peru. I use Scott’s Cheap Flights to keep an eye out for good deal airfare and saw some great prices to Lima, Peru. When I checked out the Chase Travel Portal, the deal translated to points too! So, we booked our flights with Chase points from my CSR introductory bonus and worried about the rest later. We ended up using more Chase Points to stay in a hotel in Lima, but did AirBnb in Cusco before and after the trek to Macchu Picchu. The trek was beautiful. Plus, since it was the off season, it was a private tour for just the two of us! The landscape and wild life was spectacular, and I won’t soon forget it.

 

traveling with points wkndmom

Mr. WkndMom and our guide during the trek through the mountains to Macchu Picchu. No, that’s nothing funny with the camera, the clouds and mountains actually looked like that!

How often do you travel now, compared to before you knew about traveling with points and miles?

I’m certainly limited to my vacation days, but I definitely travel a lot more than I thought I would. Because I got into this hobby right after I got my first full time job, I never had a chance to not take vacations. My fiancé, though, went from never traveling and losing his vacation days every year, to taking multiple vacations per year and seeing everything with me.

 

What are your upcoming travel plans?

We have three trips coming up: La Jolla, CA, Cancun, MX, and island hopping through Hawaii. Even though La Jolla is a work trip for me, so I’m not paying for any of it, we were able to get Mr. WkndMom there for free because I have the Southwest Companion Pass. We’re also going to Cancun on 2 for 1 flights thanks to the SWCP where we’re planning to stay in an all-inclusive resort for a scuba adventure. Hawaii will be our super extravagant diving liveaboard honeymoon and we found discounted flights that we booked through CSR points for free too!

 

traveling with points wkndmom

A view of the Grand Canyon, North Rim. Some pretty crazy thunder and lightning was happening behind the camera but you couldn’t tell looking out over the canyon.

What is your best tip for people just getting into traveling with points and miles?

Set a single goal and get there with Chase points. They are the easiest to earn and use, and they are very versatile. You can’t go wrong starting with them because they also transfer to many travel partners. At first it may seem weird that you’re getting all of this for free.  Remember, you’re being rewarded for borrowing money and paying it back!

How can people follow you?

People can sign up for my email list on my website at http://gofiremamago.comand follow me on my Instagram: @GoFIREMama

 

Thank you Wkndmom

Thank you for letting us dig deep into your travel experiences.  Your vacations all sound amazing! Macchu Picchu is definitely on my Bucket List.  Also, I’d love to join you in becoming FIRE!!!

 

Would YOU like to share your points & miles journey on Travel Freedom?

We would all love to find out how YOU travel using points and miles!  If you’d like to be considered for a future “Traveling With Points” interview, please EMAIL US.  We’re always happy to hear more success stories in the points and miles community.

Photos courtesy of Wkndmom

Rocketmiles Review: Earn Airline Miles for Hotel Stays with Rocketmiles 35

Rocketmiles Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. is a hotel booking platform with a twist. When you book a hotel room on Rocketmiles, you’ll earn miles or points with your favorite airline or loyalty program. For instance, you can book a Hyatt hotel and earn thousands of Alaska Airlines miles instead of Hyatt points. This can be a nice change if you don’t want to earn points from that specific hotel’s loyalty program. There are good and bad things about their program. We’ll analyze all of them for you.

 

Will You Find the Lowest Price on Rocketmiles?

Often, you won’t find the best price for a given hotel on Rocketmiles, but surprisingly, sometimes you do. They don’t claim to have the lowest price. It’s aimed at giving the customer bonus airline miles or loyalty points for hotels bookings instead of having the lowest price. But, on occasion Rocketmiles has the lowest price and offers airline miles with your booking. It’s the best of both worlds.

When searching for hotels, definitely compare to make sure that it’s worth earning the miles. You don’t want to pay extra just to earn miles that aren’t worth the difference. While doing a few searches I found some hotels that were more expensive and some that were substantially cheaper than the competition.

 

Rocketmiles Hotel Search Results for San Diego (Feb 14-18)

Rocketmiles Grand Hyatt San Diego Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

Hyatt.com Search Results for San Diego (Feb 14-18)

Not Rocketmiles Hyatt San Diego

 

As you can see, there is quite a large price discrepancy. Rocketmiles, to my surprise, was 36% cheaper for these dates than booking directly on the Hyatt website. On top of the discount, you get 5,000 Southwest miles (which is the loyalty program I searched with) that are valued at around $75. In this instance, choosing to book on Rocketmiles is a no-brainer.

This isn’t the norm though. Most often you’ll find lower prices elsewhere. Sometimes you might get lucky and find a great rate (like the one above) with Rocketmiles, which is why it’s always worth checking. Even if the prices are similar, earning extra airline miles might make it worth booking at Rocketmiles. I’ve actually seen bookings that earn up to 40,000 miles for a few nights stay.

 

Are All Hotels Available?

Rocketmiles seems to focus on high-quality hotels that are typically in popular business markets. If you’re looking for a budget hotel or hostel you likely won’t find them. While searching for hotels in San Diego I noticed that they include many Marriott/SPG hotels, Hyatt, Best Western, Hilton, as well as many privately owned hotels. San Diego is a large market, but Rocketmiles comes up with 209 results to choose from.

 

Get a 1000 Mile Bonus on your First Booking

On top of earning the typical amount of miles for a hotel booking, you can also get 1000 bonus miles on your first booking by using the referral link below. By using our Rocketmiles referral link, you will get an extra 1000 miles or points when you book your first hotel. We’ll also earn 1000 miles for referring you, so it’s a win-win. Also, once you have an account you can refer your friends so you both can earn even more miles.

Rocketmiles Book hotels. Earn thousands of loyalty miles and points per night. (signup now to get 1000 bonus miles on your first booking) Rocketmiles Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

How Many Miles are Earned Per Booking?

There seems to be no formula for how many miles are earned according to the amount spent nor the hotel chain. Some hotels will earn 1,000 miles per night and others 10,000 miles. Higher priced properties do typically seem to earn more miles though. The hotels that I have seen earning 10,000 miles per night cost in the multiple hundreds of dollars per night. Lower-priced hotels usually earn a lower rate at 1-2,000 miles per night.

The number of miles earned also differs between which airline or loyalty program you search with. It’s possible to search a hotel with Alaska Airlines as your loyalty program and earn a different amount than you would with Southwest.

 

Comparing Search Results of Different Loyalty Programs

Since there seems to be no particular rhyme or reason why different loyalty programs allow you to earn more or fewer miles for the same booking, let’s take a look at some search results. What I’ve found is that it pays off to search all of your favorite loyalty programs to see which one earns the most miles. Below, are the results of a search for Hyatt hotels in San Diego on Valentines Day weekend (Feb 14-18). Let’s see what we can find. I searched for hotels using a few of the top loyalty programs that Rocketmiles offers. Here are the results that I found for searches with United, American, Southwest, Alaska, and Emirates.

 

Rocketmiles United Airlines Search Results (Feb 14-18)

Rocketmiles United Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

Rocketmiles Southwest Airlines Search Results (Feb 14-18)

Rocketmiles Southwest Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

*If you have a Southwest Companion Pass, you’ll essentially be earning double the points. This is because you’ll be able to use points to book a flight and then add your companion for free on every flight.

 

Rocketmiles Alaska Airlines Search Results (Feb 14-18)

Rocketmiles Alaska Search Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

Rocketmiles American Airlines Search Results (Feb 14-18)

Rocketmiles American Airlines Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

Rocketmiles Emirates Search Results (Feb 14-18)

Rocketmiles Emirates Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

The Surprisingly Best Option

Since American Express Membership Rewards are the newest loyalty program on Rocketmiles, I decided to search with them also. I figured Amex Membership Rewards would have lower results because their points are so valuable. Membership Rewards are worth about 2 cents each (higher than any of the other airline partners). They’re worth so much because you can transfer Membership Rewards points to their 19 travel partner airlines and hotels.

 

Rocketmiles Amex Membership Rewards Search Results (Feb 14-18)

Rocketmiles <a href= Amex Membership Rewards” width=”1269″ height=”430″ /> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

 

To my surprise, Amex Membership Rewards came back with the best results by far. The Rocketmiles searches using American Express Membership Rewards (arguably the most valuable loyalty rewards available) earn 40-60% more points per night than the other programs. Earning Membership Rewards also allows you to earn airline miles that are otherwise not available on the platform. Delta is not available to earn directly on your hotel bookings, but because they’re a transfer partner with Amex, you can transfer your earned points to their program.

For instance, if you booked the Hyatt Regency using Amex Membership Rewards as your loyalty program, you’d earn about $200 worth of points. To earn Membership Rewards points through Rocketmiles you must have and use a Membership Rewards earning American Express credit card. Below you can see the results side-by-side.

 

 UnitedSouthwestAlaskaAmericanEmiratesAmex
Andaz San Diego5,0005,0003,5005,0004,0008,000
Hyatt Regency Mission Bay6,0007,0007,0007,0005,00010,000

 

Popular Rocketmiles Airline Mile Partners

Other Popular Loyalty Program Partners on Rocketmiles

Is Rocketmiles a Good Choice for Booking Hotels?

If you are going to book a hotel, Rocketmiles is definitely worth comparing to other options. Sometimes it has the best price, but even if it doesn’t, the miles earned might make it more valuable to you. Know that when booking through Rocketmiles you will not receive any hotel loyalty night credits nor get any of your elite status benefits if you have them. If you have elite status at the hotel you’re looking to stay at, this is another thing to compare. It’s also noteworthy to mention that you can book through Rocketmiles for other people and earn miles for yourself.

Rocketmiles Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. is a great hotel booking source if you don’t have elite status at the hotel and you want to earn airline miles instead of hotel points for your stay. Like we mentioned before, it might even make sense for you to pay a slightly higher rate to earn a large number of miles. Rocketmiles won’t always be the best option, but it’s worth comparing when searching for a hotel.

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 Range and 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 Calculated credit 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 score Do You Know Your Current Credit Score? Check for Free! Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

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 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. .

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 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

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

Credit Score Range: How to Reach an Excellent Credit Score? 36 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

Capital One Venture

Credit Score Range: How to Reach an Excellent Credit Score? 37
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

Best Business Travel Credit Card

 

Ink Business Preferred

Credit Score Range: How to Reach an Excellent Credit Score? 38 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

*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

Credit Score Range: How to Reach an Excellent Credit Score? 39 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

Wells Fargo Propel

Credit Score Range: How to Reach an Excellent Credit Score? 40
INTRODUCTORY OFFER
You’ll earn 20k points after you spend $1000 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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

Best Premium Travel Credit Cards

 

Chase Sapphire Reserve

Credit Score Range: How to Reach an Excellent Credit Score? 41 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.
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.
Also Earn a total of 10X points on Lyft rides.
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.
1 year of Lyft Pink.
FEES
$550
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.
LEARN HOW TO APPLY NOW >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.

 

Amex Platinum Card

Credit Score Range: How to Reach an Excellent Credit Score? 42
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.
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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!