Legacy Credit Card

The Legacy Visa credit card is a card offered through First National Bank. It’s aimed at those with low or poor credit. However, before applying for a card, it’s always important to review the fine print.

 

Here’s a closer look at the main features, advantages, and disadvantages of using the Legacy Visa credit card from First National Bank. The Legacy Visa credit card review video below isn’t the greatest, but it’s the best we could find…

 

Features of the Legacy Credit Card

First National Bank created the Legacy Visa credit card to appeal to those wanting discounts. Unfortunately, the average consumer misses out on any real benefits. The main features of the card include:

  • $75 annual fee
  • 29.9% APR
  • $350 to $1500 credit limit
  • $30 or 4% minimum payments
  • $25 late payments

 

The $350 to $1500 credit limit is subject to your credit score. If you’ve got a score above 700, you should get approved for the full $1500 limit. With poor credit, the $350 to $500 range is more likely.

 

Your minimum payments are $30 per month or 4% of your current balance. Whichever total is greater is how much you’ll need to pay. For example, if you have a $1000 balance, you would need to pay $40 per month.

 

The minimum payments are low but the APR is high. If you cannot take care of your balance each month, you’ll get charged a significant amount of interest each month.

 

Legacy Credit Card Benefits

The Legacy Visa credit card doesn’t offer any benefits unless you choose to sign up for one of the optional programs. There are two of these programs available.

 

The first program is the PREMIUM membership program. With this program, you get discounts on a variety of purchases. You can save money while purchasing prescription medications. You also save on various entertainment purchases, dining, and hotels.

 

The second program is payment protection. You can pay a monthly fee based on your current balance. If you suddenly cannot make your payments, the protection plan prevents you from getting charged late fees and covers your minimum payments.

 

These are the only benefits offered with this credit card. You do not earn rewards or points and there is no sign-up bonus.

Legacy visa credit card

 

Pros of the Legacy Credit Card

While there are limitations to this credit card, it does offer a few advantages:

  • Convenient online access to your account
  • Discounts on prescriptions and entertainment
  • Payment protection in case of an emergency

 

One benefit of this card is the online account management. You can easily log in and check the details of your account, make payments, and even initiate automatic payments.

 

The Legacy Visa credit card includes a couple of optional programs. With the PREMIUM Club Membership, you can get discounts on various purchases. These discounts apply to entertainment, dining, hotels, rental cars, and prescriptions.

 

You can also choose to add a Payment Protection Plan. If you face an emergency that keeps you from making your payments, the protection plan covers your minimum payments and allows you to avoid late fees.

 

Unfortunately, these last two benefits require additional fees. You need to spend an extra $4.95 per month for the PREMIUM membership. The protection plan costs just under $1 for every $100 balance.

 

Cons of the Legacy Credit Card

There are a handful of disadvantages to choosing the Legacy Visa credit card. One issue is the high 29.9% APR. This is several points higher compared to many other credit cards.

 

You also need to pay a $75 annual fee, which is billed monthly. You pay $6.25 per month to keep this card open, along with your payments on your balance. If you add the PREMIUM membership, you’re paying over $11 per month to use this card.

 

Keep in mind that there are also processing fees for setting up your card. We’ve heard some reports of customers getting charged $200 or more for these setup fees.

 

If you only get approved for a $350 credit limit, you may start with $150 of credit and a $200 balance without even using your card.

 

When you combine the annual fee, the high APR, and the late fees, you may dig yourself into a hole with this card.

 

Your Legacy Credit Card Login Info

You can access your Legacy Visa account through an online portal. This is the same portal used by First National Bank customers.

 

You can log in and view your balance and next payment. You can also make payments or set up your automatic payments.

 

Who Is the Legacy Credit Card for?

The Legacy Visa credit card is best suited for those who want to enjoy discounts through the PREMIUM club membership. However, due to the high APR, we only recommend this card for those who can pay off their balances each month.

 

You also need to spend over $11 per month to use the card and get the PREMIUM club membership. Unless you’re a big spender on the items covered by the discount, you may not get as much use out of this card.

 

Who Is the Legacy Credit Card Not for?

Unless you’re a big spender who plans on using the Legacy Visa PREMIUM Club membership, you may want to search for other credit card offers.

 

This card is not for people who don’t pay off their balances each month. If you’re looking for a card that you can use to cover moderate expenses and then pay off slowly over the coming months, this is not the right card.

 

Our Thoughts on the Legacy Credit Card

At first glance, we thought that the Legacy Visa credit card looked to be a great deal. However, once we started adding up the various fees, it became clear that there are much better options out there.

 

You only benefit from this card when you choose to add one of the optional programs such as the PREMIUM membership or the payment protection plan.

 

In the end, the Legacy Visa credit card does not offer enough benefits to entice the average consumer. The card has a high APR, hefty processing fees, and just doesn’t pack a punch when it comes to rewards.

 

3 Alternative Credit Cards to Consider

This is not the only credit card aimed at people with a subprime credit score. There are some other options you should consider that may suit your situation better. The credit cards below are a few of our favorites, especially if you’re looking to rebuild your credit score through responsibly making your payments. The middle card even earns rewards which should offset the annual fee of the card.

 Poor Credit AlternativeFair Credit AlternativeLimited/No Credit Alternative
Milestone Unsecured
Legacy Credit Card Review (BONUS: 3 Better Alternative Credit Cards) 1
Capital One Quicksilver One
Legacy Credit Card Review (BONUS: 3 Better Alternative Credit Cards) 2
Capital One Platinum
Legacy Credit Card Review (BONUS: 3 Better Alternative Credit Cards) 3
RewardsNo rewards1.5% cash back on all purchasesNo rewards
Annual FeeSee terms$39$0
Extra PerksQuick pre-qualification that won't hurt your credit score.

Free custom card design.

Free online account access.

Previous bankruptcy OK.
Access a higher credit line after making your first 5 on-time monthly payments.

Free credit monitoring.

$0 Fraud liability.

Access a higher credit line after making your first 5 on-time monthly payments.

Online banking.

Pay by check, online, or at a local branch.
Best for People Who...Have bad credit and need help to strengthen it through responsible use.Need help to strengthen their credit through responsible use. Also earns rewards.Need help to strengthen their credit through responsible use.
Learn More >>Learn More >>Learn More >>

 

Decision Time: Which Credit Card is Really the Best for You?

Here at Travel Freedom, we like to travel, which is why we always prefer to get travel credit cards for ourselves. We also know that travel credit cards are not available to all credit score levels. With anything less than a good credit score it will be hard to be approved for a travel card. Any of these cards will be beneficial in rebuilding your credit so that you’ll have the option in the future of what card type to get. After your credit is good, you’ll have the opportunity to be approved for valuable travel rewards or cash back cards.

 

Good luck on your road back to good credit. It’s great that you’re looking to improve your credit score and the way you live.

Chase Ink Cash
Chase Ink Business Cash Credit Card

Chase Ink Business Cash

$500 (50,000 Ultimate Rewards) after spending $3,000 in 3 months

No Annual Fee

LEARN HOW TO APPLY >>

Typically, rewards programs for business credit cards seem to benefit those who travel the most. It can be fun to earn rewards points to spend on hotels and airline tickets. Not every business is in need of a rewards card that operates in this way, though. If your business spends more money on office supplies and other essentials than it does on travel expenses, then you need a card that will work well for you. The Chase Ink Cash credit card is a workhorse for earning points that can be used for either cash back or for travel.

 

Thankfully, it is going to be possible to find a card that offers you a simple cash-back rewards experience. You can enjoy the benefits of a business rewards credit card without having to worry about figuring out how to spend rewards points. This is going to be very appealing to businesses that are in need of a useful credit card that offers them tangible benefits. The Chase Ink Cash Credit Card is one of the most popular cash-back cards on the market currently and it just might be the best fit for your business.

 

Before applying for any type of a new credit card, it is smart to look into all of the details. You want to be able to determine whether or not this card is going to work out for your business. Continue reading as we dig into the details of everything that the Chase Ink Cash Credit Card has to offer. This will help you to figure out whether or not it is worth your time or if it is something that is better off forgotten.

 

Ink Business Cash

Chase Ink Cash Review: A Top Notch Credit Card for Small Businesses 4
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 >>

 

More thoughts about this business travel credit card:

I love this travel business credit card!  Why? Because it earns 5 points per dollar on multiple categories that I actually spend in regularly.  Phone bill, internet bill, and all office supplies earn 5X points!  On top of that, office supply stores sell gift cards that can be used for many of our other expenses. Did I mention it currently has a huge introductory offer bonus and no annual fee?  I loved this card even without the bonus!

 

Fees of the Chase Ink Business Cash

Prices and fees are among the first categories that anyone will want to look at when checking out a new credit card. Luckily, the Chase Ink Business Cash Credit Card is really good in this department. You will not have to pay an annual fee when you sign up for this credit card. This makes it very convenient for any business owner who wants to keep costs as low as possible. The APR of this credit card is generally very reasonable too. It falls within standard ranges of business credit cards.

 

Among all of the cash-back rewards business credit cards on the market, you will be able to make use of this one the easiest. This is among the best options due to its reasonable APR, amazing introductory offer, and lack of an annual fee. If you have been looking for an easy credit card to use for your business, then you should consider applying for this one. It has the right level of convenience that your business needs and it also gives you many great benefits.

ink business cash

 

Features of the Ink Cash

The features of this card are actually pretty nice. Much of the appeal of this card has to do with the categories where it offers rewards. Unlike many of the points-based business rewards cards, this credit card offers cash back on purchases on things such as office supplies. Basically, you are going to be able to earn cash back on all sorts of office expenses.

 

This card’s usefulness is not limited to just buying office supplies. It is also going to come in handy for paying utility bills and other types of office expenses. Being able to earn cash-back rewards on these types of purchases will certainly appeal to your business. If you work in an office environment, then it makes sense to get a business credit card such as this.

 

You can use this business credit card for purchases that do not fall under the bonus categories too. You will still be able to earn cash back at a lesser rate. Being able to still earn cash-back rewards on anything that you buy is a nice touch. The features of this card have enough appeal to make it practical for many different types of businesses.

 

Benefits of the Business Ink Cash Card

There are actually several benefits to being a cardholder that can make your overall experience great. The potential uses of this credit card from that standpoint are very good. The various other perks that you will be able to enjoy help to make this card stand out as being truly excellent. This card is going to offer you purchase protection that will help you out in case something is damaged or stolen. This will cover new purchases for up to 120 days and the claim amounts are actually pretty high.

 

Your business credit card will also help you to avoid problems when renting a car. You can make use of the auto rental collision damage waiver when using this business credit card. If you want to, you can choose to decline the rental company’s collision insurance and use the coverage of the credit card instead. This will even work in many places when you are traveling abroad so it is worth keeping in mind that you have this option.

 

Another great bonus is the way that this credit card handles liability charges. You will not be held accountable for charges made on your credit account without your authorization. If your credit card information is stolen by someone malicious, then you will not have to worry about paying for those purchases. This business credit card is great at protecting people from the financial implications of credit card theft.

 

You can even have employee credit cards issued at no additional cost. When you need to issue cards to certain managers at your business, it is going to be convenient to be able to do so for free. You can authorize new users for the cards and have cards issued to the employees of your choosing. They can either be given the same spending rights as you or you can set up spending limits for each individual.

chase ink cash benefits

 

Earning Ultimate Rewards with Chase Ink Cash

The rewards program for this credit card is actually very nice. It is going to appeal mostly to businesses that are able to take advantage of the higher cash-back rewards. This card is aimed to help businesses that have office expenses earn cash-back on their purchases. Earning cash back on purchases of office supplies and other office expenses will be very helpful. Points are earned as Chase Ultimate Rewards.

 

You can earn 5% cash back (in the form of Ultimate Rewards points) on qualified office expense purchases for your first $25,000 spent. This will include things such as purchases at office supply stores, Internet bills, cable bills, cellphone services, landline phone services, and much more. Once you have reached your limit, the cash-back rewards will be set back to 1%. Your limits will reset on each anniversary of your credit card so you will be able to earn the increased rate for a certain amount of spending every single year.

 

It will also be possible to earn 2% cash back on restaurant purchases and gas station expenses for the first $25,000 of your year. Purchases that fall outside of the normal bonus categories will give you 1% cash back. If you find yourself spending money on any of the bonus categories regularly, then having access to this card is an incredible way to earn cash-back rewards. The savings will start to pile up quickly and it will be very easy to use.

 

You should also note that there are some other rewards options with this card. You might not expect anything else since this is a cash-back card but it will be possible to use your rewards in other ways. For instance, you could choose to redeem your points for gift cards instead of cash. It’s also possible to get creative and transfer points to another Chase Ultimate Rewards card if you have access. This option will allow you to redeem your points for up to 2 cents or more per point by using the Chase travel portal and Chase transfer partners! By doing this, you’ll essentially double the value of your points.

 

50,000 Ultimate Rewards in an Ink Cash Account (cashback).50,000 Ultimate Rewards transferred from Ink Cash account to your Ink Preferred account.
Redeemed in the Chase travel portal at 1 cent per point.

Value: $500
Redeemed in the Chase travel portal at 1.25 cents per point.

Value: $625


Redeemed by transferring to an airline partner. (2 cents or more value per point)

Value: $1000

 

Most people are going to want to make use of the simple, streamlined cash-back rewards offered by this card. Just know that there are options available to multiply the value of your points if you like to travel. Either way you look at it, this business credit card is very appealing.

chase ink business cash

 

The Pros

This credit card is going to make it simple for you to get cash back for purchasing office supplies and spending money on office expenses. The cash-back percentage is high for these purchases and it will remain at 5% for the first $25,000 of your year. After this, you can still receive cash-back rewards at a normal 1% rate.

 

Any business that spends a lot of money on office supplies will be able to use this credit card effectively. It is going to be one of the best options on the market for offices and it remains very easy to use. Unlike some of the more complicated rewards cards, this is a fairly streamlined card. You earn a standard cash-back percentage on normal purchases and then get the increased percentage for the special categories. It does not take a lot of micromanagement to use this card to its full potential.

 

If you need a reliable credit card for your office, then this one will work out well. It even offers many amazing bonus features that are sure to come in handy.

 

This card has a nice introductory offer as well, allowing you to earn some cash in the first three months of having the card. This is a good feature and it helps to make it more worthwhile to sign up. Some cards do have more generous introductory offer options but when paired with the rewards potential, you can see how appealing it is. This is going to be very helpful for many businesses and is a great option.

 

The lack of an annual fee is something that you are sure to appreciate as well. You will be able to keep your costs low with this card. It is an easy card to justify applying for due to its great benefits and ease of use. The prices and fees are reasonable and it will work out well for your business if you fall into the right niche.

 

The Cons

The biggest drawback of this business credit card is that the limits might be a bit too low. You might be really intrigued by the 5% cash-back options on office expenses but having it capped at $25,000 might not be generous enough for some businesses. If your business spends a lot more than $25,000 a year on office supplies, then you may want to think about other options that will work out better. Any business that falls into the right range will be able to use this card throughout most of the year at the increased rate of 5% cash back, though.

 

It also needs to be said that this credit card is simply not going to be for everyone. It will work out brilliantly for businesses that operate in an office environment. If your business does not spend much money on office supplies on a yearly basis, then this might not be the most practical card. You should do your best to consider your options ahead of time so you will know if this is going to be worthwhile for your business.

chase ink cash card

 

Credit Score Needed for Approval

It is highly recommended that you have a good credit score of 690 or above when applying for this credit card. You will need to have a good credit score in order to be able to make use of this card. Those who have excellent scores should not have any trouble getting approved. If you meet the recommended credit score qualifications, then you should certainly consider applying for it.

 

Who Does This Credit Card Appeal to?

This cash back/travel credit card appeals to businesses that work in offices. If your business spends money on office supplies regularly, then this card is going to work out well for your needs. This is going to give you a good amount of cash-back reward potential while remaining convenient to use. Any type of business that has high office expenses will be able to use this credit card to its full potential.

 

The Chase Ink Cash Credit Card is also appealing to people who want a simple-to-use cash-back rewards card with the option for better travel redemptions. It will be easy to earn cash-back rewards using this card without having to feel as if you need to micromanage everything. It is a lot simpler than many of the bonus points-based rewards cards on the market so it should work out nicely. When you want to earn rewards for things that you are going to have to purchase for your business anyway, this card makes a lot of sense.

 

You will also find that people who want to transfer card balances will love this card. If you want to save yourself some money and put your business in a good financial position, then this card will prove to be useful. It should be kept in mind for any business that has office expenses.

chase ink cash credit card

 

An Alternative to Consider: Chase Ink Cash vs Capital One Spark Cash

capital one spark cash for business card art

A very good alternative to consider is the Capital One Spark Cash for Business credit card. This is another cash-back rewards credit card that has a similar appeal to the Chase Ink Cash Credit Card. Unlike the Chase Ink Cash card, this one does not have any earning limits. It does have a lower cash-back rewards rate, though.

Compare this card >>

 

The rewards rate of this card is at 2% cash back and this does have the potential to be very good for certain businesses. In some ways, it will be easier to use due to not having to worry about any types of spending categories. It does not have the same potential for very high rewards as some cards but it is a solid option that is very good at what it does. Some negatives of this card include the annual fee and a generally high APR.

 

All of the Chase Business Credit Card Options Compared

 Ink Bus. Preferred
Chase Ink Cash Review: A Top Notch Credit Card for Small Businesses 5
Ink Business Cash
Chase Ink Cash Review: A Top Notch Credit Card for Small Businesses 4
Ink Bus. Unlimited
Chase Ink Cash Review: A Top Notch Credit Card for Small Businesses 7
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

Spend money advertising online

Want cell phone accident coverage
Want a large introductory bonus

Want no annual fee

Spend money at office supply stores
Want a large introductory bonus

Want no annual fee

Want simplicity in earning through spend
Learn More >>Learn More >>Learn More >>

 

Decision Time: Which Business Credit Card is Best for You?

If your business has office expenses, then it is highly recommended that you apply for the Chase Ink Cash Credit Card. It will allow you to earn great cash-back rewards on purchases related to office expenses. This is a card with a good introductory offer and great rewards earning potential. This could be the right credit card for your business.

 

There will be other cards that can offer you different experiences but this one is great if you fall into the right category. Office-based businesses will love this card and it comes with many useful bonus features that will help you out in a variety of different situations. Apply for this card today if your business is in need of a reliable card that can give you great cash-back rewards on a regular basis.

Chase Ink Business Cash Credit Card

Chase Ink Business Cash

$500 (50,000 Ultimate Rewards) after spending $3,000 in 3 months

No Annual Fee

LEARN HOW TO APPLY >>
chase sapphire reserve vs preferred

There are two versions of Chase Sapphire credit card. They’re both excellent travel credit cards but are made for slightly different types of travelers. We’re going to examine the competition between the Chase Sapphire Reserve vs Preferred. Is one of the cards better than the other? Like comparing most cards, it depends on who you’re talking to. One Chase Sapphire card may be better for you, while the other card may be better for someone else.

 

We’ve found that typically, the Chase Sapphire Preferred is the best first travel credit card to get. It has a modest annual fee with good travel benefits and a nice signup bonus. Meanwhile, the Chase Sapphire Reserve is the best credit card for regular travelers. It has a higher annual fee but comes with a tremendous amount of valuable travel benefits.

 

The Chase Sapphire Reserve vs Preferred competition is more complex than just comparing the features and selecting an overall winner. Which travel credit card is best, highly depends on the customers’ preferences. Let’s begin by taking a look at the features and benefits of each credit card to find out which card is right for you.

 

Chase Sapphire Reserve Review

The Chase Sapphire Reserve has done the impossible. It has made a $450 annual fee for a credit card seem like a steal by having amazing travel benefits. While it may be hard to get past the thought of paying $450 up front for the Chase Sapphire Reserve, the benefits are well worth the annual fee. For people who travel regularly, the lounge access, travel credit, and expedited airport security alone give enough value to cover the annual fee. That doesn’t even include the signup bonus, which adds even more value.

 


Chase Sapphire Reserve

Chase Sapphire Reserve vs Preferred: 2 of the Best Travel Credit Cards 8
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 >>

 


Sapphire Reserve Signup Bonus

The Chase Sapphire Reserve 50,000 point signup bonus is worth at least $750 if used toward travel. Because you’ll redeem at a higher rate of 1.5 cents per point you get more value out of your Ultimate Rewards points. By transferring Ultimate Rewards to one of Chase’s travel partners you can redeem points for well over 2 cents per point. This option can make the Sapphire Reserve signup bonus worth more than $1000.

 

Chase Sapphire Reserve 300 Travel Credit

If you spend at least $300 on travel yearly, the Chase Sapphire Reserve $300 travel credit essentially erases 2/3 of the annual fee. By taking advantage of the Sapphire Reserve 300 travel credit, the annual fee gets knocked down to $150 (only $55 more than the Sapphire Preferred). That means that you’re paying just $55 for all the other benefits of the Chase Sapphire Reserve.

 

The Sapphire Reserve travel credit is very simple to use. Every time you spend money on a travel-related expense, you will automatically receive a statement credit for it. Things that count towards the travel credit are:

  • Airlines
  • Hotels
  • Motels
  • Timeshares
  • Campgrounds
  • Car Rental Agencies
  • Cruise Lines
  • Travel Agencies
  • Discount Travel Sites
  • Passenger Trains
  • Buses
  • Taxis
  • Limousines
  • Ferries
  • Toll Bridges and Highways
  • Parking Lots and Garages (parking tickets also – ugh)

 

Chase Sapphire Reserve Lounge Access

Along with this premium credit card comes complimentary Chase Sapphire Reserve Lounge access. After being approved you’ll have to activate your Priority Pass Select account to get Sapphire Reserve airport lounge access. Once activated, you’ll automatically receive your card each year you keep your Sapphire Reserve credit card. Priority Pass airport lounges range in quality, but they’re all a nice place to get away from the chaos of airport terminals.

 

When you enter a Priority Pass lounge you can expect to receive the following amenities:

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

Some Priority Pass lounges also have:

  • Showers
  • Conference Rooms (subject to a fee)

chase sapphire reserve lounge

 

Priority Pass also now features some restaurants. Priority Pass members are able to show the restaurant their membership card to earn a $28 credit for themselves and a guest. That means if you and your guest go to a Priority Pass restaurant, you have $56 to spend that will be waived.

 

Overall, the Chase Sapphire Reserve packs a powerful punch of travel benefits. With its amazing travel benefits, the Chase Sapphire Reserve has been crowned the best premium travel credit card. It’s clear that the benefits will far outweigh the annual fee for people who travel often. In the Chase Sapphire Reserve vs Preferred comparison, it’s going to be hard for the Sapphire Preferred to match what the Reserve brings to the table. Let’s see how the Chase Sapphire Preferred does.

 

Chase Sapphire Preferred Review

The Chase Sapphire Preferred is often referred to as the best first travel credit card. This is because it has a lot of travel value while having a modest annual fee that is waived in the first year. It is very similar to the Sapphire Reserve but without many of the premium travel benefits. The main features of the Sapphire Preferred are the signup bonus, elevated Ultimate Reward redemption rates, and the ability to transfer points to travel partners.

 


Chase Sapphire Preferred

Chase Sapphire Reserve vs Preferred: 2 of the Best Travel Credit Cards 9
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 >>

 


Sapphire Preferred Signup Bonus

The Chase Sapphire Preferred signup bonus is worth at least $750 if used toward travel. Ultimate Rewards can be redeemed at a higher rate of 1.25 cents per point through the travel portal which is more than the average card, but 25% less than the Sapphire Reserve. The Chase Sapphire Preferred also has access to the Ultimate Rewards travel transfer partners. By transferring Ultimate Rewards to one of the travel partners you can redeem points for well over 2 cents per point. Like the Sapphire Reserve, this redemption option can make the Sapphire Preferred signup bonus worth more than $1000.

 

Chase Sapphire Reserve vs Preferred: And the Winner is…

From the above reviews, you can see that both Chase Sapphire cards are very good travel credit cards. So which card comes out on top of the Chase Sapphire Reserve vs Preferred comparison? The Sapphire Reserve is a high annual fee card that comes with a huge amount of value. The Sapphire Preferred is a card with a lower annual fee that still gives a large number of Ultimate Rewards as a signup bonus.

 

Even though overall, the Chase Sapphire Reserve seems like the best card, it really depends on who the card is for. If you don’t travel very often, many of the benefits of the Sapphire Reserve will go wasted. If you do travel often, you’d benefit greatly from the travel benefits of the Sapphire Reserve. Below you can compare the important features of both cards side by side.

 

Chase Sapphire Reserve vs Preferred Side by Side

 Chase Sapphire Reserve
Chase Sapphire Reserve vs Preferred: 2 of the Best Travel Credit Cards 8
Chase Sapphire Preferred
Chase Sapphire Reserve vs Preferred: 2 of the Best Travel Credit Cards 11
Signup Bonus50,000 Points after $4000 in first 3 months60,000 Points after $4000 in first 3 months
Earning Rates3X Travel & Dining, 10X on Lyft2X Travel & Dining
UR Travel Portal - Redemption Value1.5 Cents per Point1.25 Cents per Point
Travel Credit$300N/A
Lounge AccessPriority Pass SelectN/A
TSA PreCheck or Global EntryFull Statement Credit for Either ($85/$100)N/A
Authorized User Fee$75$0
Annual Fee$550$95
Best for People Who...Want a large introductory bonus

Want luxury travel benefits

Travel often
Want a large introductory bonus

Want the annual fee waived year 1

Like to Travel
Learn More >>Learn More >>

 

Personally, if I had to choose between the two cards: Chase Sapphire Reserve vs Preferred, I would currently choose the Sapphire Reserve. I currently have it and get a ton of value from the signup bonus, lounge access, travel credit, and TSA PreCheck. This is because my wife and I are traveling often. Let’s take a look at two other travelers to see which card suits them best.

 

A Story of Two Travelers

chase sapphire reserve vs chase sapphire preferredEmilia’s Story: 

Emilia’s an elementary school teacher who loves teaching her 4th-grade class during the year. She also loves taking a nice big vacation each summer during her time off. The life of a teacher is tough during the school year and is very deserving of some relaxing time away.

 

Because Emilia doesn’t travel a lot throughout the year and just wants at least one vacation each year, the Chase Sapphire Preferred was a great choice for her. Just half of the signup bonus alone gave her enough miles to book a round-trip flight to Hawaii last summer (by transferring 25k of her points to British Airways). The points came with a moderate annual fee as well.

 

With her summer flight only taking up less than her Ultimate Rewards balance, Emilia decided she’s also going to take a spring break vacation with some of her college friends this year. Two vacations with one signup bonus were more than perfect for her.

 

Chase Sapphire Reserve vs Preferred: Emilia chose the Chase Sapphire Preferred for its lower annual fee and valuable signup bonus

 

chase sapphire reserve vs sapphire preferredDani’s Story:

Dani’s a nurse who works four days on and then has four days off from work. She also gets a substantial amount of paid time off that she wants to use for traveling. Dani figures between her regular four days off in a row and her vacation days she’ll be able to take at least 10 trips this year.

 

She decided to get the Chase Sapphire Reserve because she wants the comfort of having both TSA PreCheck and Priority Pass Select lounge access when she’s stuck in airports. The Ultimate Rewards points from the signup bonus will cover a few of the flights, plus she will easily use the $300 travel credit. With all these perks she’ll be able to travel in luxury with all her available time off from work.

 

As a bonus, Dani decided to double down on earning Chase Ultimate Rewards. Using her side business, she also applied for the Ink Business Preferred card which comes with a signup bonus of 80,000 points and only an annual fee of $95. Her business is a sole proprietorship, selling some of her used things on eBay and Amazon. She also occasionally buys things at garage sales to also sell. The cool thing about her sole proprietorship is she can simply use her name and social security number instead of having to file for a business.

 

With both cards, she earned 130,000 Ultimate Rewards points that can likely be used for at least $2,500 of plane tickets (she plans to take advantage of airline partners)! Not too shabby for just two credit cards.

 

Chase Sapphire Reserve vs Preferred: Dani chose the Chase Sapphire Reserve for its luxury travel benefits and valuable signup bonus

 

Which Type of Traveler are You?

Depending on which type of traveler you are, either the Sapphire Reserve or the Sapphire Preferred would be a great addition to your wallet. In the Chase Sapphire Reserve vs Preferred competition, they are both worthy travel credit cards. The Sapphire Reserve is great if you travel often and want the travel luxuries it comes with. The Sapphire Preferred is great if you travel less often and wouldn’t get much use out of the travel benefits.

 

Both Chase Sapphire credit cards come with excellent Ultimate Rewards point signup bonuses. If it’s an option you might even want to think about adding a business card like Dani to earn more points. All Chase Ultimate Rewards cards have the ability to transfer points between accounts to pool them together. Your significant other and you even have the ability to pool points together. Which card comes out victorious in the Chase Sapphire Reserve vs Preferred argument depends on you. Both credit cards are good choices. Depending on what you’re looking for in a travel credit card, one may suit you better.

jetblue credit card

Barclays has three different offerings when it comes to the  JetBlue credit card. The three options are the basic JetBlue Mastercard, the JetBlue Plus credit card, and the JetBlue Business credit card. While they’re all very similar, they have their own distinct features.

 

Many people are interested in the JetBlue credit card because they like the service JetBlue offers. JetBlue isn’t for everyone, as a low-cost regional airline, but it seems to have an avid fanbase. They also offer a great premium experience on transcontinental and some international flights. They call their premium class Mint.

 

JetBlue Points Value: How Much are TrueBlue Points Worth?

JetBlue has no official award chart because their point prices for flights fluctuate, but TrueBlue points on average are worth about 1.3 cents each. This means to book a flight that costs $400 you’ll typically need around 30,000 TrueBlue points. Compared to other major US airlines they TrueBlue points are below average value.

 

Alaska points are worth 1.8 cents, Southwest 1.5 cents, American and United 1.4 cents and Delta points are worth 1.2 cents each. Just because TrueBlue points are worth less than some other airline points doesn’t mean you can’t get valuable rewards out of them.

 

JetBlue Flight Experience

JetBlue is based out of New York City and flies to 70 destinations including a few in Central America and the Caribbean. It seems that they do the small things to go the extra mile and make customers happy.

 

JetBlue offers complimentary DirecTV and SiriusXM radio, unlimited snacks with multiple options, and they distribute water bottles continuously to keep you hydrated. They hand out warm towelettes toward the ends of flights. If you’re on a redeye flight they even have a sleeping kit waiting on your seat. It includes earplugs and a face mask. Oh, and they have the most legroom in coach of any US airline. Sounds a lot like first class, doesn’t it?

jetblue route map

 

JetBlue Mint Might be the Best Domestic Premium Class

On their transcontinental flights as well as some international flights, JetBlue offers Mint. Mint is what they call their premium class. If you’re flying in Mint class, you’ll receive access to a priority security line, priority boarding, lie-flat seats, an amenity kit, an in-flight entertainment system, and the best domestic meals where you choose 3 out of 5 tapas. Obviously, free alcoholic beverages are served as well. JetBlue Mint is the best domestic premium cabin experience.

 

What Does JetBlue Mosaic Status Get You?

Mosaic is JetBlue’s elite status. They don’t have different tiers like most other airlines. Just one tier called Mosaic that is slightly different than other elite statuses. It offers no fees for flight changes, free checked bags, bonus points, expedited security lines, early boarding, a dedicated customer service line, and free alcoholic drinks onboard. The one thing that Mosaic lacks is free upgrades to Mint.

 

JetBlue Mastercard

10,000 Points after spending $1000 in the first 90 days

jetblue mastercard

  • Receive 50% savings on eligible in-flight purchases (including alcoholic drinks).
  • Earn 3X points on JetBlue purchases, 2X points on restaurants and grocery stores.
  • No Annual Fee

 

JetBlue Plus Credit Card

40,000 Points after spending $1000 in the first 90 days

jetblue plus credit card

  • Receive 50% savings on eligible in-flight purchases (including alcoholic drinks).
  • Free checked bag for you and up to 3 companions on your reservation.
  • $100 Statement credit on a JetBlue Vacations Package.
  • Earn Mosaic Status after spending $50,000 in a calendar year.
  • Earn 6X points on JetBlue purchases, 2X points on restaurants and grocery stores.
  • $99 Annual Fee

 

JetBlue Business Credit Card

50,000 Points after spending $1000 in the first 90 days

JetBlue Business Card

  • Receive 50% savings on eligible in-flight purchases (including alcoholic drinks).
  • Free checked bag for you and up to 3 companions on your reservation.
  • $100 Statement credit on a JetBlue Vacations Package.
  • Earn Mosaic Status after spending $50,000 in a calendar year.
  • Earn 6X points on JetBlue purchases, 2X points on restaurants and grocery stores.
  • Receive 5,000 bonus points each annual account anniversary.
  • $99 Annual Fee

 

JetBlue Credit Cards Review: Should You Get One?

If you’re a fan and regular customer of JetBlue, their credit cards might sound like a good option. The points they earn do offer no blackout dates on reward flights, no point expiration, ability to book any available seat, and sharing points with family pooling. Family pooling is a unique perk that allows up to two adults and five children to combine points. This can come in handy for booking flights when two separate people both have points.

JetBlue points value

 

So the question remains. Should you get a JetBlue credit card? While they may be good options for earning TrueBlue points, they aren’t the best option. A handful of other credit card points can be transferred to your TrueBlue account. Chase Ultimate Rewards, American Express Membership Rewards, and Citi ThankYou points can all be transferred to JetBlue.

 

So, instead of getting a JetBlue credit card, you may want to consider these alternatives. Additionally, these points can also be transferred to other airlines which will give you more flexibility and more options for redeeming points.

 

JetBlue Transfer Ratios:

  • Chase Ultimate Rewards: 1:1 transfer ratio
  • Amex Membership Rewards: 5:4 transfer ratio
  • Citi ThankYou Points: 5:4 transfer ratio

 

The best option for transferring to JetBlue is Chase Ultimate Rewards. They transfer at a one to one ratio. Fortunately, there is an abundance of Chase credit cards that earn Ultimate Rewards. They also happen to have some of the best introductory offers on the market.

 

Comparing the JetBlue Credit Cards to Chase Ultimate Rewards Cards

COMBINE 2 JETBLUE CARDSCOMBINE 2 CHASE CARDS
JetBlue Plus Card
40,000 points
Chase Sapphire Preferred
60,000 points
JetBlue Business Card
50,000 points
Ink Preferred Business Card
80,000 points
90,000 POINTS TOTAL
(only on JetBlue)
140,000 POINTS TOTAL
(9 airline partners including JetBlue)

 

The Best Credit Cards for Earning TrueBlue Miles

Not only do you get more points as an introductory offer, but you’ll also have better opportunities to use the Chase cards to earn points through spending. There are better spending bonuses on more broad categories. The biggest benefit of getting a Chase card instead of a JetBlue card is the fact that you can transfer your points to 8 other airlines other than JetBlue. When flying it’s best to have options.

 

Chase Ultimate Rewards Transfer to JetBlue

Chase Sapphire Preferred

The JetBlue Credit Card is Not the Best for Earning TrueBlue Points 12
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 >>

 

Chase Sapphire Reserve

The JetBlue Credit Card is Not the Best for Earning TrueBlue Points 13
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 >>

 

Ink Business Preferred

The JetBlue Credit Card is Not the Best for Earning TrueBlue Points 14
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 >>

 

COMPARE ALL CHASE CREDIT CARDS: COMPARE >>

 

American Express Membership Rewards Transfer to JetBlue

Amex Gold Card

The JetBlue Credit Card is Not the Best for Earning TrueBlue Points 15
INTRODUCTORY OFFER
You’ll earn 35,000 Membership Rewards points after you spend $4,000 in the first 3 months.
REWARDS
You’ll earn 4X points at restaurants globally, and US supermarkets. (up to $25k in purchases per year) You'll also earn 3X on AmexTravel.com
BENEFITS
Get $10 in statement credits per month for purchases at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House.
$100 airline fee credit on selected airline.
No foreign transaction fees.
FEES
$250 annual fee.
Terms Apply
TRAVEL FREEDOM THOUGHTS
If you spend a lot of money on food and travel, this card will be worth the annual fee. If not, it probably isn't worth paying $250 per year.
LEARN HOW TO APPLY NOW >>

Amex Platinum Card

The JetBlue Credit Card is Not the Best for Earning TrueBlue Points 16
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.
LEARN HOW TO APPLY NOW >>

 

COMPARE ALL AMERICAN EXPRESS CREDIT CARDS: COMPARE >>

 

Citi ThankYou Points Transfer to JetBlue



 

In conclusion, if you’re looking to earn TrueBlue points to fly on JetBlue you’ll want to take a look at more than just the JetBlue credit cards. It very well could make sense for you to instead get a Chase, American Express, or Citi card. Then you can transfer your points to JetBlue when needed, or transfer to other airlines.

capital one venture review
Capital One Venture Credit Card Review

Capital One Venture

50,000 points after spending $3,000 in 3 months

$95 Annual Fee (waived year 1)

LEARN HOW TO APPLY >>

Anyone who travels regularly should really think about having a good travel rewards credit card in his or her wallet. When you have access to a premium travel rewards credit card, it can really wind up helping you to earn great rewards. This can save you money on travel expenses and it will make your overall traveling experience quite a bit nicer. One credit card that has proven to be a popular option is the Capital One® Venture® Rewards Credit Card.

 

This credit card offers fantastic rewards and is overall very simple to use. Some credit cards are a bit convoluted with their rewards structure. Many cards make it difficult to figure out how to maximize the use of your credit card to get the best rewards. This one is quite a bit simpler but it still manages to help you earn great rewards in a straightforward way.

 

Before you go ahead and apply for this credit card, it will be beneficial to look into all of the details. You want to know everything about the card so that you can determine if it is the right one for your situation. This is definitely a good card that has a lot of positives that will appeal to you. Take in all of the information so that you can get the perfect travel rewards card that you need in your life.

Capital One Venture

Capital One Venture Review: Double the Points & Now Travel Partners Too 17
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 >>

 

Capital One Venture Rewards Card Fees

Prices and fees really do matter when you are looking into signing up for a new credit card. Some credit cards will have great rewards but they may come with a hefty annual fee attached to them. This credit card does have an annual fee that you will have to pay but it is not too high overall. You will need to pay a $95 annual fee for this credit card and the fee will be waived for the first year.

 

This card also offers you a generally favorable APR. It is not really anything to write home about but it will fall within a range that you can be comfortable with. You always want to make sure that you are getting the best deal that you can with these cards. This is an easy card to keep in your wallet as it will not be throwing any unreasonable interest rates or odd fees at you.

 

You won’t even have to pay foreign transaction fees when you make use of this card. If you travel abroad on occasion for either business or pleasure, then you will be able to use your card without worrying. This is a great deal as there are several travel credit cards on the market that do charge these fees. Being able to keep fees to a minimum in most areas and avoiding foreign transaction fees completely make this credit card stand out from the competition.

 

Features of the Capital One Venture Card

The biggest feature of this credit card is that it has a high rewards rate. You will be able to earn 2X miles on every dollar that you spend. This is very convenient for helping you to earn those travel rewards that you are seeking. If you happen to fly very often, then you will definitely be mitigating the costs of your travel by using this card.

 

You will also be able to enjoy a really nice sign-up bonus with this credit card. Spending a certain amount of money within the first three months will net you a large chunk of points. These points can be redeemed to go towards your travel expenses and it will be very beneficial to you. The spending amount to reach the bonus level for this reward is reasonable so it should be simple for you to take advantage of it.

 

Redemption is very flexible with this credit card too. You will be able to redeem your miles at the travel center to help you get great deals on flights, hotels, rental cars, and much more. You can also choose to book your travel outside of the Capital One travel center and receive a statement credit. Redeeming rewards will always feel intuitive and you will never have a hard time making use of your earned miles.

 

Benefits of the Capital One Venture Card

One really useful benefit of being a cardholder is that you get a fee credit for the Global Entry or TSA PreCheck programs. These programs are excellent for frequent fliers as they allow you to have a more streamlined experience. Applying for these programs involve associated fees and they are normally fairly high. Being a cardholder will allow you to get an application fee credit, making it easier to gain membership.

 

You will also be able to enjoy certain travel benefits that can make your life easier. The Capital One Venture Rewards will give you travel accident insurance that will protect you from certain mishaps. This insurance goes up to $250,000 in coverage and you will also be able to get $3,000 in lost luggage coverage. The card can also act as secondary auto rental insurance when you are traveling with a rental car.

 

Another benefit that you will passively make use of is this card’s ability to extend warranties on products that you are purchasing. When you buy a product with a warranty that is normally three years or less, your card is going to extend that warranty by one year. You will also be able to make use of purchase protection insurance which will protect you in the event that an item is stolen or damaged. You can be reimbursed for up to $500 per claim when it is within 90 days of the purchase date with a maximum of $50,000 in claims per cardholder.

capital one venture rewards card

 

Rewards Program Information

For the most part, this credit uses a very straightforward rewards program. No matter what you purchase, you will be able to earn two miles per every $1.00 that you spend. This allows you to rack up the rewards miles very quickly. It does not make a difference whether you are using your card to buy groceries or if you are purchasing airline tickets; you will still be earning those rewards miles.

 

There is one really good exception to this rule that you will want to look into further. When you book and pay for hotels using the Hotels.com website, you can earn an increased rewards rate. This involves using a special link, but it will allow you to earn 10 miles for every $1.00 spent on this purchase. This is certainly incredible and it is something that you will want to try to use when you are booking a hotel.

 

Otherwise, this is just a great general travel rewards credit card. Earning is very easy and redeeming your points will be a simple task as well. You can redeem your rewards miles at participating airlines and hotels without having any problems. Booking your travel through the Capital One travel portal is going to be ideal but since you can earn statement credit when booking elsewhere, it will be easy to just use the card as you see fit.

 

The Pros

  • Very good rewards rate
  • Ease of use
  • Good benefits
  • Reasonable fees
  • Capital One now has travel partners!

 

This credit card has a very good rewards rate that you will be able to take advantage of. If you are interested in earning travel miles for all of your purchases, then this credit card should be on your radar. You will be able to earn two miles for every $1 spent, making it one of the most practical credit cards out there. There is no need to worry about cumbersome bonus categories either.

 

The fact that this rewards credit card is so easy to understand makes it perfect for just about anyone. If you like to travel from time to time, then you will be earning miles that you can use to go on vacation. All of your purchases on the card will be earning you points and booking hotels through certain websites can be especially lucrative if you choose to pay attention to that bonus. Either way, you will be earning plenty of rewards miles and will be able to redeem them in a simple way.

 

The benefits of card membership are very nice too. You will be able to enjoy good purchase protection benefits as well as fee credit for the Global Entry or TSA PreCheck programs. These benefits are very useful and they just make being a cardholder that much better. Even if they are not the reason that you will want to sign up, they are useful perks.

 

Being able to enjoy using a rewards card with reasonable fees is nice too. The annual fee is there but it is not overly high. This fee is waived for the first year and it should not be too much of a burden to pay it in subsequent years. The fact that you can earn a lot of points with this card makes it great for just about everyone.

 

The Cons

 

You should know that there are travel credit card options that can give you a greater reward potential. This is a great card to get if you do not want to have to concern yourself with bonus categories. Being able to earn miles on all of your purchases is very nice. Some people will prefer the bonus structure of other cards due to being able to earn very high rewards on specific categories.

 

The cash-back options on this card are not incredible either. You can choose to receive rewards as cash back but they will essentially be given to you at half value. If you want to get cash back, then you will be better off going with another rewards card. This is going to be a card that you will want to use towards travel purposes when it comes to redeeming the rewards.

 

It is also worth noting that some people may not be comfortable with the annual fee. It is a reasonable fee with the first year being waived; however, it is still an extra cost. You need to consider whether or not this is going to be worthwhile for you specifically. If you can benefit from the way that this card is set up, then it is easy to justify the annual fee.

capital one venture card

 

Credit Score Needed for Approval

Getting approved for this credit card is going to difficult if you do not have a good credit score. You will want to have a good score of 690 or higher in order to have the right approval chances. Those with excellent credit scores should not have a problem getting this credit card. Taking the time to check your credit score before applying may prove to be beneficial.

 

Who is the Capital One Venture Rewards Card for?

This credit card is great for anyone who wants to earn rewards that can be used toward travel. If you like to be able to use your credit card rewards to help pay for your vacations or business travel expenses, then this card will be appealing to you. It is a great general rewards card that allows you to earn miles on every purchase that you make. If you do not like having to micromanage your credit card purchases in order to hit on certain bonus categories, then this card is going to be perfect for you.

 

There may be some people who would prefer travel rewards credit cards that have a more specialized bonus structure, though. If you want a streamlined and straightforward rewards card experience, then this one is perfect for your wallet. Those who want to really dig into bonus categories to squeeze the rewards out of a credit card may want to look elsewhere. This is a very solid credit card that appeals more to people who want to have an easy experience.

 

Regular travelers will love having this credit card in their wallets. Simply being able to make use of the application fee credit for the Global Entry and TSA PreCheck programs will be very handy. This makes the yearly fee justifiable even when you do not consider the various other perks. Your traveling experience can be better when you have a reliable card like this available to use so you will likely want to consider applying for this one if you think that you can make use of it.

 

An Alternative Travel Card to Consider

The Chase Sapphire Preferred credit card is a good alternative for you to look into. It offers you similar benefits but it differs in several ways. You can earn 2X points on travel and dining expenses, allowing you to earn rewards fast when traveling. This card can pair effectively with other Chase credit cards too and it will transfer over to many airlines and hotel chains, making redemption very easy.

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 >>

See our full review of the Chase Sapphire Preferred.

 

The reason to consider the Chase Sapphire Preferred credit card over the Capital One Venture Rewards credit card is that it can be micromanaged a bit more. If you like trying to maximize your rewards, then you can get creative with this Chase card. For some people, the Capital One Venture Rewards card is going to be easier and better overall due to offering extra rewards on every purchase. It just depends on what you want out of a travel credit card, but both are good options.

capital one venture

 

Decision Time: Is this the Right Card for You?

Signing up for the Capital One Venture card will prove to be a very good choice for many people. This credit card makes earning rewards simple and it allows you to continually rack up those rewards miles. It is a travel credit card that is very practical to use for many people. Being able to earn those rewards on all of your purchases is convenient and you should never have any trouble redeeming the rewards effectively.

 

The fact that you get so many benefits from being a cardholder makes it an easy decision to go ahead and sign up. This is a card that can offer you many great perks while also remaining practical. You won’t be paying a high annual fee just to gain access to the credit card. The first year’s annual fee is waived and the subsequent yearly fees fall within a very reasonable range.

 

This just might be the best travel credit card to keep in your wallet when you want something that is straightforward. It is a rewards credit card that does not leave you guessing in any way. You can earn rewards constantly and use them as you see fit. It is a lot easier to use than most other travel credit cards and gives you so much value.

 

If you make the decision to take advantage of the Hotels.com partnership, then you can increase the overall value of this card even further. Being able to earn 10 miles on every $1.00 spent is a great deal and you can really use it to make earning rewards fast. If you travel often enough and stay in hotels, then this is something that you should keep in mind. Whatever your needs are, the Capital One Venture card is a travel credit card that will prove to be beneficial.

Capital One Venture Credit Card Review

Capital One Venture

50,000 points after spending $3,000 in 3 months

$95 Annual Fee (waived year 1)

LEARN HOW TO APPLY >>
Mastercard Titanium Card Review

Everyone knows that there are many options out there when it comes to credit cards. If you are not looking for a standard credit card, then your options may not be quite as numerous. Luxury credit cards are popular due to the benefits that they can offer cardholders. Having a luxury credit card in your wallet is a bit of a prestige symbol and it can also come in handy during many situations. One luxury credit card that many people are starting to talk about more and more is the MasterCard Titanium Card.

 

The Mastercard Titanium Card is the entry-level luxury card that is offered by MasterCard. Don’t let a term such as “entry-level” make you think that this card is not special, though. It has a lot to offer you and may wind up being your favorite credit card that is in your wallet.

 

Before applying for any type of credit card, you need to analyze the available information. This credit card does come with a fairly steep annual fee and you will need to know what it has to offer before being comfortable enough to proceed. Join us as we examine the MasterCard Titanium Card completely and determine just how beneficial this card truly is. Once you have read all of the facts, you should have a much better idea of what to expect.

 

Mastercard Titanium Card Review: An Intro-Level Luxury Card 18

Mastercard Titanium Card

Introductory Offer:

No intro offer

Rewards:

You'll earn 1% rewards on all purchases.

Benefits:

Brushed Stainless Steel Card.
Airfare redemptions are worth 2 cents per point.
24/7 Concierge

Annual Fee:

$195

Our Thoughts:

This card is not luxurious at all. In fact, there are cards with no annual fee that are more rewarding. A Chase or Amex card would be a much better choice.
LEARN MORE >>

 

Mastercard Titanium Card Fees

This credit card is going to come with a fairly high annual fee attached to it. You will need to pay out $195 per year when you are signed up for this credit card. In comparison to some other luxury credit cards, this fee is not all that high. It is a lot higher than most standard credit cards, though.

 

If this is the first luxury credit card that you have ever applied for, then you might be a bit taken aback by how high the annual fee is. Those who have made use of luxury credit cards in the past will know that this is par for the course. In order to make this card worth your time, you are going to have to benefit enough from using the card to pay for that $195 fee. When we discuss the benefits and rewards later on, you will see that covering the fee amount is likely not going to be all that tough.

 

You should also know that additional credit cards are going to cost money too. You will not be able to enjoy free cards for other members of your household to use. If you need a second card, then you will have to pay $95 to get one. This will be the case for any additional cards that you need to order.

 

There are other fees to consider when using this credit card as well. You will have balance transfer fees of either 3% or $5, depending on which is greater. Cash advance fees are set at 5% with a $10 minimum. These fees are fairly standard and should not deter you from wanting to apply for the card.

 

Late payment fees can cost as much as $37, depending on certain factors. This fee is not really too much different than most standard credit cards. It is very reasonable when you consider that this is a luxury card that is held to a high standard.

 

One positive aspect to keep in mind is that this credit card does not have any foreign transaction fees. If you have business outside of the country, then you will be able to use your credit card without having to worry about being charged extra money in the form of fees. This is a very nice touch as many people who use luxury credit cards do tend to travel often. If you find yourself outside of the country from time to time, then you will be glad to be able to avoid pesky foreign transaction fees.

 

The APR of this credit card is actually pretty low for a luxury credit card too. This makes applying for the card an even easier decision to make. There is a short introductory APR period when it comes to balance transfers too. You can avoid paying interest on balance transfers within the first 45 days of opening the credit card account.

 

Features of the Mastercard Titanium Card

Most of the features of this luxury credit card are going to be related to the benefits of being a cardholder. Even so, there are some specific features to highlight. One of the most important features is that this card is capable of functioning as a modest rewards credit card. It has some rewards features that will come in handy and those will be discussed in detail further on.

 

One of the best things about this card is its overall aesthetic appeal. People are drawn to luxury credit cards because of the perks but they also appreciate the overall look of the cards. This card is made out of stainless steel and carbon. It really has quite a bit of weight to it and will almost assuredly be the heaviest card in your wallet.

 

It has a very elegant design that is going to garner a bit of attention when you use it. Appearance really does matter when choosing a luxury credit card and this one has a nice look. You will most likely be pleased by the appearance of the card and it will offer you a lot more than that. You want to be able to have an easy experience while using your new card to the fullest.

 

This card is very good at giving you access to rewards data and other pertinent information through bill statements. You will have access to a committed customer service team as well. If you ever need to make any queries or get any help with anything at all, this card will prove to be easy to manage.

mastercard titanium card

 

Benefits of the Mastercard Titanium Card

The benefits of being a cardholder are actually quite nice. You are going to be able to enjoy several great perks that will help to offset that $195 annual fee. One of the most useful ones is gaining access to a 24/7 concierge service. This is going to help you to answer questions and will generally facilitate many things for you.

 

If you are traveling and want to get tickets to a concert that is in town, then the concierge service will be able to help you with that. They can help you to book your travel and can solve many problems for you. This useful service is available at any time and you can use it in very convenient ways. You will be able to call the concierge service or you can speak to someone through a dedicated messaging app.

 

Whatever your needs are, they will be able to be helped by having access to the concierge service. The card also gives you access to helpful travel perks. You will be able to get luggage insurance and travel accident insurance. This can ensure that you will have a smooth experience even when you run into mishaps while on your trip.

 

This card even gives you access to a service that has professionals escort you through airport procedures. If you dislike going through the rigmarole of being checked by airport security, then this can really streamline things for you. It can help you to save time and will make things more pleasant and less intrusive. This card may be worth signing up for even if just to save yourself some time at the airport.

 

Rewards Program Info

You are able to receive one point for every $1 that you spend using this credit card. This means that you will be steadily earning rewards at a pretty standard rate. The rewards rate may not be all that impressive but it can add up over time. If you use the card regularly, then you should be able to earn pretty good rewards over time and it will help to offset the annual fee.

 

One good feature of this rewards program is that you can redeem your points at a 2X rate when you put them toward air travel expenses. This means that you will be able to get a $1000 airline ticket for 50,000 points. It works out pretty well and it can really help to keep your travel costs a bit lower. There may be some credit cards with more flexible travel rewards programs but this is still pretty good overall.

 

Rewards can also be redeemed for gift cards, hotels, car rentals, and other typical stuff. You may want to stick to redeeming the points for travel though, due to the 2X redemption rate. Even so, it is good to be presented with options. It’s always better to have more options on the table for when you need to do something else with your points.

 

The Pros

  • The card is very impressive.
  • Benefits are good.
  • It makes traveling easier.
  • The rewards program can be helpful.

 

This is definitely a very impressive credit card that is going to feel great to use. If you have been desiring a luxury credit card to use as a status symbol, then you will enjoy this card. It looks really nice and has a great design. The impressive aesthetic appeal of this card is very hard to deny and it is going to appeal to most people who will want a luxury credit card.

 

The benefits of the card are substantial as well. The best benefit is probably the 24/7 concierge service but it will also depend on your personal preferences. The concierge service is so useful that it will make your life easier in several ways. Other benefits include luggage insurance, travel insurance, and rental car insurance waivers.

 

Traveling will be substantially easier if you make use of this credit card. You will be able to be met at the airport by a professional service that will streamline things. Getting through security will be easier and you will be able to enjoy a less stressful environment. It can save you time and keep you in a very good mood.

 

Rewards are a good feature for any credit card to have. The rewards program of this credit card may not be amazing but it is useful nonetheless. You will be able to earn points on all of your purchases and can use the points to pay for travel expenses. You will get the highest redemption rate when redeeming points for airfare so sticking to travel redemption is highly recommended.

luxury card titanium card

 

The Cons

  • The annual fee is high.
  • There are other fees that you need to worry about.
  • Additional cardholders and cards require a fee.
  • Rewards options are just okay.

 

The high annual fee of this credit card is going to hold it back in some people’s eyes. If you don’t like the idea of having to pay out $195 every year, then this card may not be for you. The fee is justifiable if you will use the card enough to gain the many benefits that it offers. It just depends on your situation and how practical this is going to be for you.

 

There are other fees that are associated with this card too. You will be paying a 3% balance transfer fee and a 5% cash advance fee. The fee numbers are fairly standard but any types of fees are going to be seen as a nuisance. They are not all that bad, though, so don’t let this keep you from signing up.

 

Additional cards and authorizing new cardholders will require a somewhat high fee to be paid. You will need to pay out $95 in order to get a new card for another authorized cardholder. This is not too unusual for luxury cards to do this. Even some non-luxury credit cards have fees for giving out new cards so it isn’t completely out of the ordinary or anything.

 

Lastly, the rewards options for this credit card are kind of just okay. They are passable and will help you out but they are not going to offer you anything truly exceptional. If you care about rewards, then there are several less expensive options on the market that offer far greater rewards potential. This is a credit card that is truly all about the benefits of membership.

 

Credit Score Needed for Approval

In order to qualify for this credit card, you are going to need to have a really great credit score. It will be best for your credit score to be in the excellent range before you decide to apply. Those with credit scores in the high 700s should have a shot but other factors will be considered as well. Your income will play a role in whether or not you will be approved too so take everything into account before deciding whether or not to apply.

 

Who Does The Mastercard Titanium Card Appeal to Most?

A good luxury credit card such as this is going to appeal to many different types of people. Of course, those who want to have the prestige that comes with having access to a luxury credit card will love this. The MasterCard Titanium Card is a very impressive credit card that stands out from other credit card options. If the aesthetic appeal of a card matters to you, then this card is likely something that you will enjoy having in your wallet.

 

This is also going to be a great card for anyone who wants luxury perks. The various benefits that you can enjoy for being a cardholder are very valuable. You will have access to perks that will make your traveling experiences much nicer and will even be able to enjoy concierge services. These great benefits can make the price of admission seem very worthwhile.

 

Some people will not be able to take advantage of everything that this card has to offer, though. If you are a bit more of a frugal person, then this credit card may not be the one for you. This is going to appeal to those who travel a lot and who like to spend money on entertainment. If you only use credit cards sparingly, then you may not be able to justify the annual fee.

titanium card luxury card

 

Alternative Cards to Consider

One alternative to consider is not actually a luxury credit card. You may want to take a gander at the Chase Sapphire Preferred Credit Card. It has many great rewards and is superior to the MasterCard Titanium Card in many areas. It offers great travel benefits and some pretty substantial rewards too.

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 >>

See our full review of the Chase Sapphire Preferred.

 

You will be able to pay a far lower annual fee when making use of the Chase Sapphire Preferred Card as well. The annual fee is set at $95 per year. This is one that you should look at if having a luxury credit card is not important to you. This may be preferable in several ways even if it does not offer some of the more luxurious perks that the MasterCard Titanium Card does.

 

Compare the Titanium Cards Benefits to the Chase Sapphire cards

 Chase Sapphire Reserve
Mastercard Titanium Card Review: An Intro-Level Luxury Card 19
Chase Sapphire Preferred
Mastercard Titanium Card Review: An Intro-Level Luxury Card 20
Signup Bonus50,000 Points after $4000 in first 3 months60,000 Points after $4000 in first 3 months
Earning Rates3X Travel & Dining, 10X on Lyft2X Travel & Dining
UR Travel Portal - Redemption Value1.5 Cents per Point1.25 Cents per Point
Travel Credit$300N/A
Lounge AccessPriority Pass SelectN/A
TSA PreCheck or Global EntryFull Statement Credit for Either ($85/$100)N/A
Authorized User Fee$75$0
Annual Fee$550$95
Best for People Who...Want a large introductory bonus

Want luxury travel benefits

Travel often
Want a large introductory bonus

Want the annual fee waived year 1

Like to Travel
Learn More >>Learn More >>

 

Decision Time: Is the Mastercard Titanium Card Best?

Signing up for the MasterCard Titanium Card is a great idea if you think that you can make use of it well. If you need a good credit card that will offer you many unique perks, then this one will appeal to you. You will be able to have an easier time at airports and can even enjoy a fantastic concierge service. It will help you to enjoy life even more and that is certainly worth a little bit of money every year.

 

People who use this card often enough will have no problem paying for the annual fee. When you combine the convenience of the available benefits with the rewards potential, you will be able to earn more than $195 per year in compensation. It just comes down to how you use the card and what you are expecting out of the experience. This credit card offers good benefits and rewards that will be helpful to you.

 

You do need a high credit score to qualify for the Mastercard Titanium card, though. Just make sure that you will be able to meet the necessary standards for this card. Once you have it in your wallet, it should become a very useful tool that you’ll be able to use regularly.

Mastercard Titanium Card Review: An Intro-Level Luxury Card 18

Mastercard Titanium Card

Introductory Offer:

No intro offer

Rewards:

You'll earn 1% rewards on all purchases.

Benefits:

Brushed Stainless Steel Card.
Airfare redemptions are worth 2 cents per point.
24/7 Concierge

Annual Fee:

$195

Our Thoughts:

This card is not luxurious at all. In fact, there are cards with no annual fee that are more rewarding. A Chase or Amex card would be a much better choice.
LEARN MORE >>
southwest rapid rewards priority review

southwest rapid rewards priority card art

Southwest Rapid Rewards Priority

40,000 points after spending $1,000 in 3 months. Plus 35,000 more points after spending $5,000 in the first 6 months.

$149 Annual Fee

LEARN HOW TO APPLY >>

Travel rewards credit cards are very popular and there are a lot of different cards out there. Some of the more interesting cards in recent memory are tied to specific airlines. If you are looking for an airline rewards credit card, then the Southwest Rapid Rewards Priority Credit Card just might appeal to you. It offers ample rewards for Southwest Airlines customers and can definitely enhance your travel experience in a few ways.

 

Anyone who wants to be able to earn rewards for booking flights through Southwest Airlines will be interested in seeing what this card has to offer. The card has the potential to earn you a lot of rewards when you fly regularly. It might even be one of the top travel reward credit cards on the market in terms of booking flights. It’s a sensible option for some but is it going to be right for you?

 

We are going to look at the Southwest Rapid Rewards Priority Credit Card thoroughly to help you determine just that. Come along with us as we examine this credit card in an in-depth way. You will be able to see everything that it has to offer and it will be easier to tell whether or not it is a good fit for your wallet. It is always worth it to take the time to look at credit cards from all the different angles before you decide to commit so read on to get all of the information that you need to know.

 

Southwest Rapid Rewards Priority

Southwest Rapid Rewards Priority Credit Card Review 22
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 >>

 

Southwest Rapid Rewards Priority Credit Card Fees

One thing is going to make this card stand out right away when it comes to prices and fees. You will see that this card has a $149 annual fee. This is a pretty high fee overall and is higher than most of the other credit cards that are offered by Southwest. Even with the high fee, this card does still have a lot of value so don’t let it completely deter you from wanting to give this card a go.

 

To help balance things out a bit, you will be able to avoid foreign transaction fees when using this credit card. This card has no foreign transaction fees and this makes it a lot easier to use when traveling abroad. No one wants to be hit with a hefty fee when he or she needs to use his or her credit card while outside of the country. If you travel to other countries somewhat often, then not having to pay foreign transaction fees will be a real blessing.

 

The APR on this credit card is a bit high, though. This is not a credit card that you will want to carry a balance on if you can help it. A high APR may limit the uses of the card somewhat. You will probably not want to transfer a balance over to this card either but it was never really designed to be a balance transfer card to begin with.

 

You also should know that this card does not have any type of an introductory APR. This can be somewhat of a letdown for people who are used to taking advantage of these types of offers. You will be getting the standard APR right out of the gate. It should not deter you from giving the card a shot but you will want to try to use this credit card in the most intelligent ways possible.

 

Features of the Rapid Rewards Priority Card

There are a couple of features that will really be helpful when you sign up for this credit card. The first one is that it has a nice sign-up bonus. Spending a certain amount of money in the first three months of being a cardholder will allow you to claim this lucrative bonus. It will help you to earn a big chunk of reward points all at once.

 

The best part about this sign-up bonus is that you will be able to earn it pretty easily. If you travel fairly often, then you will definitely be able to earn this bonus. The price of a couple of plane tickets is going to get you close to the required amount of money to earn the bonus. This is a great way to start off your time with this credit card and it will help to make paying that annual fee feel as if it is less of a burden.

 

To add to this, you will also be able to receive free bonus points upon every credit card anniversary. This is a nice perk that is offered by the Southwest Airline credit cards. For this specific card, you will receive 7500 bonus points for every anniversary. If you add up the value of the points, this will put a dent in making up that annual fee.

southwest priority credit card

 

Benefits of the Rapid Rewards Priority Card

If you like to have many benefits when you sign up for a credit card, then this one is not likely to disappoint you. There are several good benefits that will make being a cardholder feel worthwhile. One perk that everyone will be able to take advantage of easily is the free $75 of annual Southwest travel credit. You can spend this on flights or you can use it for other Southwest Airlines purchases.

 

Aside from this, you will also be able to enjoy four upgraded boardings per year. Upgrading boarding is something that will typically cost you up to $50. Being able to upgrade boardings for free four times per year is going to save you money. Saving money while making your traveling experience that much nicer is certainly going to be a good selling point for this card.

 

Cardholders will also enjoy saving money on all in-flight purchases when flying with Southwest Airlines. When you purchase things such as drinks, WiFi, or movies, you will be reimbursed for 20% of the purchase cost. This reimbursement will come in the form of statement credit. It just makes it that much more convenient for you to fly with Southwest Airlines.

 

Lastly, having this card will make it easier to work towards getting to the next tier with Southwest Airlines. For each $10,000 that you spend in a calendar year, you will gain 1500 tier-qualifying points. This helps you to gain your A-list or A-list preferred status that much more quickly. If you like the idea of working toward becoming a preferred Southwest Airlines customer and enjoying the perks that come along with this status, then you will certainly benefit from having this card.

 

Rewards Program Info

You will be able to earn a pretty good amount of rewards when you fly through Southwest Airlines using this credit card. Cardholders will earn 2X rewards points on all Southwest Airlines purchases. This will include flights as well as other types of Southwest Airlines purchases. If you fly often enough, then this is going to pay off for you pretty quickly.

 

Cardholders will also be able to earn 2X rewards points on purchases made at Rapid Rewards hotel and car rental partners. This means that you will be able to earn double rewards on quite a few travel-related purchases. If you use this card as a pure travel credit card, then you should be able to rack up rewards at a decent rate. All other purchases will allow you to earn 1X points for every $1 spent.

 

You will be able to redeem your rewards in a very straightforward way with this credit card. Once you have earned enough points, you will be able to redeem those points for flights. There are other redemption options as well but redeeming points for flights is the best way to use your rewards points when trying to maximize their value. You will always be able to redeem points for flights at any time and it will be a streamlined process.

 

Another great aspect of this that you should know is that you are allowed to change your plans when you redeem points for a flight. If your plans change and you need to cancel your flight, then you can simply deposit those rewards points right back into your account. It is easy to do this and it always feels customer-friendly. You will not be penalized in any way so this is certainly a good card when you want to redeem earned points towards flights.

southwest priority card

 

The Pros

  • 2X rewards points on Southwest Airline purchases
  • Good perks
  • Customer-friendly point redemption process
  • Good sign-up bonus
  • Annual bonus

 

You are going to be able to earn 2X rewards on all of your Southwest Airlines purchases. This makes it easy to start racking up the rewards when you travel a lot. If you are a loyal Southwest Airlines customer, then this will be a very easy way to earn rewards. You will be able to work toward earning your next tier as a Southwest customer as well.

 

The perks for being a cardholder are pretty nice. You will get a free $75 in Southwest credit that you can use towards flights or other purchases. Cardholders get to upgrade their boarding four times per year for free. Being able to save 20% on in-flight purchases is a really great perk too.

 

The fact that this card has a good sign-up bonus is really going to help you out too. This will let you earn a lot of points really quickly. You can get this sign-up bonus without it being too big of a deal either. It is very attainable and most people who travel often will earn the bonus without trying hard at all.

 

Having an annual bonus helps this card stand out from the competition as well. You will be given bonus points for every anniversary that you celebrate as a cardholder. These points can be useful for helping to offset the cost of that annual fee. You will be able to get these points every year without fail and they will always come in handy.

 

The Cons

 

The biggest downside to this credit card for many people is going to be the High annual fee. Overall, this fee is not absurd but it is higher than many are used to paying. If you don’t like the idea of paying a higher-than-normal annual fee, then it may keep you from wanting to sign up. For most people, you will earn enough through rewards to justify the fee and the benefits also help to offset it.

 

A lack of flexibility does harm this card a bit too. You will not have as many redemption options as you might like when it comes time to use your earned rewards. Most people will want to use the rewards points to book flights as it will allow you to maximize the value of your points. There are some other options but they are not as robust as some other travel credit cards on the market.

 

Not being given any airport lounge access as a perk of this credit card is a bit of a letdown too. This is not quite a luxury credit card but the annual fee is higher than many other cards. Airport lounge access is a great perk that some travel credit cards can offer you but this card is not one of them. If you wish to have a truly luxurious traveling experience, then you may want to look into some of the higher-tier travel credit cards on the market instead.

 

The final downside may not be a big deal to many people at all. You will be limited to using Southwest Airlines when you have this credit card. You can buy tickets for other airlines but you will not earn your increased reward points rate. It is most practical to fly exclusively through Southwest Airlines when you have this credit card in your wallet but that may make you feel as if you have less flexibility when it comes to travel plans.

southwest rapid rewards priority card

 

Credit Score Needed for Approval

Getting approved for this credit card is going to require an excellent credit score. A score of 720 or higher is recommended when you want to have the best chances of being approved. Checking your credit score ahead of applying for this card is smart. You will be able to see if you have a chance of getting approved before applying so that you can avoid feeling disappointed.

 

Who Does the Southwest Priority Card Appeal to Most?

This is a credit card that is designed for people who travel quite a bit. This is going to really pay off for those who travel all the time. If you are regularly flying around the world for either business or travel, then a card such as this can help you to save money. You will be earning rewards on all of your purchases and it will make your life that much easier.

 

It also needs to be said that this card is specifically for people who fly through Southwest Airlines. If you like to fly through another airline or if you normally just use whatever airline is available, then this may not be the card for you. You will need to stick with Southwest in order for this card to really be worth it. It makes sense to stick to one airline from a rewards perspective and it can pay off for you.

 

An Alternative Card to Consider

Those who are looking for an alternative to this credit card may wish to check out the Southwest Rapid Rewards Plus Credit Card. This is a similar credit card that has fewer benefits than the Rapid Rewards Priority Credit Card. It has a significantly less expensive annual fee, though. If you would like to avoid the high fee while still being able to enjoy many of the same rewards, then this credit card might work out better for you.

 

Another option to think about is the Chase Sapphire Preferred Card. This is a great rewards card that is not going to be as limiting as the Southwest Airlines credit cards. You will have many amazing rewards redemption options when using this card, including through Southwest. Chase Ultimate Rewards transfer to many airlines and hotels. Also, it will allow you to earn 2X points on both travel and dining, making it a very practical option for regular travelers.

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 >>

See our full review of the Chase Sapphire Preferred.

 

The Southwest Rapid Rewards Priority Card is certainly a good card to consider but some people may find more value in these other options. It just depends on what your needs are. If you like having more options available to you, then the Chase Sapphire Preferred Card is such a sensible option. The Rapid Rewards Plus Card may be more practical for those who wish to avoid the High annual fee of the Priority card. Either way, you will be getting a good credit card that will offer you great rewards potential.

 

Decision Time: Is the Southwest Priority Card Right for You?

The Southwest Rapid Rewards Priority Credit Card is a great option for anyone who wants to fly through Southwest Airlines regularly. You are going to be able to earn copious amounts of rewards points while improving your overall travel experience. This is a card that has a lot of potential for anyone who travels enough to justify signing up. It has good benefits that help to make the card feel as if it is a much better deal too.

 

It is true that the annual fee of this credit card is a bit high. When you take all of the benefits into account, it will really start to offset that fee quite a bit. People who travel a lot will love this credit card so long as they are flying through Southwest Airlines. Anyone who is loyal to Southwest will definitely want to consider this as one of the top options for a travel rewards credit card.

southwest rapid rewards priority card art

Southwest Rapid Rewards Priority

40,000 points after spending $1,000 in 3 months. Plus 35,000 more points after spending $5,000 in the first 6 months.

$149 Annual Fee

LEARN HOW TO APPLY >>

chase sapphire reserve review

chase sapphire reserve card art new

Chase Sapphire Reserve

50,000 points after spending $4,000 in 3 months

$550 Annual Fee

LEARN HOW TO APPLY >>

People who travel all the time can really benefit from having the right credit card in their wallets. If you have a good travel rewards credit card that you can use, then you can earn many lucrative rewards points. There are several types of travel rewards credit cards on the market and many of them are quite appealing. It can be somewhat difficult to figure out which one is going to fit your needs the best, though.

 

The Chase Sapphire Reserve Card has been making some waves in the travel community lately. This credit card offers cardholders ample rewards opportunities and many great perks. It comes with a bit of a high annual fee, but it is still seen as a very worthwhile option. If you have been looking for a new travel rewards credit card, then this may be one of the best fits for those who travel a lot.

 

Join us today as we give the Chase Sapphire Reserve Card a thorough review. This review is going to touch on all of the important questions that you need to know before signing up. You can look at the prices, fees, benefits, and the rewards program ahead of time. Getting the right information makes it that much simpler to make the right decision for yourself, so read on as we dig into the details.

 

Chase Sapphire Reserve

Chase Sapphire Reserve Review: The Most Valuable Premium Travel Card 23
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 >>

 

Chase Sapphire Reserve Fees

The first thing to recognize about this credit card is that it comes with a $450.00 annual fee. This is obviously quite high, but that should not scare you away right off of the bat. If you use this credit card often enough, then the rewards that you earn can really negate the fee. Those who travel multiple times per month are going to earn rewards that will make this fee completely irrelevant, so try to keep an open mind about this credit card.

 

You will also have to deal with balance transfer fees that are slightly higher than many other travel rewards cards. The balance transfer fee is set at 5% with a minimum fee of $5.00. This is not absolutely terrible in the grand scheme of things, but it may not be best to use your credit card in this way. The APR is not low enough to make this a good balance transfer credit card and there is no special introductory APR offer to take advantage of.

 

Cash advance fees are also quite high when you use this card. The fee on cash advances is going to be either 5% of the transaction amount or $10.00, whichever is greater. You will likely not be using this card to get cash advances unless there is some type of an odd emergency situation, but you still need to know about it. These fees will be irrelevant to most people who use this credit card in the intended ways, so just keep these fees in the back of your mind in case it will wind up being a deciding factor for you.

 

On a positive note, this credit card does not have any foreign transaction fees to worry about. Whenever you can avoid foreign transaction fees, it is going to be a positive thing. It makes it a lot simpler when you travel outside of the country on vacation. You can use this card if you need to do so and will not be forced to pay any high fees just for doing so.

chase sapphire reserve credit card

 

Features and Benefits of the Sapphire Reserve

This credit card offers cardholders many great benefits and features that will make things worth your while. One of the best ways to negate that high annual fee is to qualify for the sign-up bonus that this card offers. It has a standard bonus where you need to spend a certain amount of money in the first three months to qualify for rewards points. The bonus is pretty large though and the amount of money that you have to spend is reasonable. If you are able to get the bonus, then it will make that annual fee seem like nothing.

 

There are also a number of beneficial perks that you can enjoy for being a cardholder. One of the most popular perks is the annual travel credit. You will be able to receive $300.00 in annual travel credits that can be used toward any purchases that you can define as being in the travel category. This counts for a number of different categories including airline purchases, hotels, car rentals, cruises, travel agencies, taxis, buses, and much more. Needless to say, it will be very easy to make use of this handy travel credit every single year.

 

One of the premium perks that regular travelers will use all of the time is the premium lounge access. You will have access to a Priority Pass Select membership just for being a cardholder. This is going to grant you access to more than 1,200 airport lounges around the world. You can also add another user onto this account for only $75.00, allowing your traveling companion to enjoy the same great perks that you are.

 

You can also expect to receive an application fee credit when you apply for the GlobalEntry and TSA PreCheck programs. These programs make it a lot faster to travel and it is very beneficial to become a member of the program. It is not free to apply, but you can receive a statement credit for the application fee as a perk for being a cardholder. This is a perk that is available to cardholders once every four years and you can use your credit to help cover a friend or family member’s application fee if you are already enrolled.

 

The Chase Sapphire Reserve Card is also one of the Visa Infinite credit cards. This means that you get access to some specific perks that are associated with these cards. This includes many fantastic things such as primary rental car insurance. There are many credit cards that offer rental car insurance, but most coverage plans are secondary insurance options. This is a primary insurance coverage option for rental vehicles, making it that much more convenient for you when you need to rent a car.

 

Other perks include trip cancellation or delay coverage, lost luggage insurance, and a robust concierge service. Being able to gain access to all of these tremendous perks really makes being a cardholder a worthwhile experience for just about anyone. If you travel often enough, then this is going to significantly improve your overall experience. You can expect to enjoy great treatment while traveling and will receive ample help if anything ever goes awry on your trip.

 

Chase Ultimate Rewards Info

The rewards program for this credit card is very good overall. It offers you the ability to earn 3X points per $1.00 spent on all travel and dining purchases. You will also be able to earn 1X rewards points on any other purchases that you make with the card. The purchases that count as travel and dining expenses are very generous too, so you will be able to earn the 3X rewards rate on many of your expenses.

 

Things, such as ride-sharing services, will count as travel purchases, making it easy to rack up those points for common purchases while you’re visiting a new city. You can also receive the 3X points in the dining category for ordering food from a delivery service. Having a wide variety of options for your bonus categories is very nice and it will make it simple to use this credit card to its full potential.

 

The redemption options for this credit card are also very robust. Chase is well known for their Ultimate Rewards program and this is a credit card that will give you great flexibility. If you wish to get creative with how you redeem your points to maximize the value of your earned rewards, then the Chase Ultimate Rewards portal gives you many great options. It is also possible to transfer your earned rewards points over to various travel partner businesses.

 

Transferring your points to one of the Chase partner businesses is very intuitive and it allows you to make great use of your earned rewards. For example, you can transfer the points to various airlines to pay for travel expenses. These rewards points will be able to help you pay for airfare, hotel expenses, and so much more. It is certainly one of the more customer-friendly rewards programs on the market, making it very easy to recommend it.

 

The Pros

  • Great rewards program
  • Easy and flexible redemption options
  • Large sign-up bonus
  • Great benefits
  • No foreign transaction fees

 

Of course, this credit card has an absolutely great rewards program. Anyone who wants to earn ample amounts of rewards will love having this card in their wallet. You can earn 3x points per $1.00 spent on travel and dining purchases. Chase is very generous about what counts as travel and dining expenses too, so you will be earning the 3X rewards rate quite often when using this card.

 

The easy and flexible redemption options are also a big reason to sign up for the card. You will be able to make use of the Chase Ultimate Rewards portal to truly maximize the value of your earned rewards points. Chase also has many partner businesses that you can transfer your earned points to. This makes it simple to use your rewards points to pay for travel expenses and many other things as well.

 

You can also enjoy a very large sign-up bonus if you make sure to qualify for it. It will require that you spend a certain amount of money within the first three months. Meeting the spending requirement should not prove difficult for anyone who travels frequently enough. This large bonus will give you many rewards points to use, making it even easier to justify that high annual fee.

 

Great benefits help the Chase Sapphire Reserve Card to stand out from the competition. This card gives you access to over 1,200 airport lounges around the world. You will receive $300.00 in travel credits each year to help alleviate some of your expenses too. When you combine these perks with standard ones, such as luggage insurance, it becomes even easier to see how customer-friendly this card really is.

 

It is also important to remember that this credit card does not have any foreign transaction fees. This card will be useful for you when you are traveling abroad as well. Many cards have high foreign transaction fees, but that is not the case here. You can use your credit card while outside of the country without any hesitation.

chase sapphire reserve card

 

The Cons

 

One of the only negative things that people could say about this credit card is that it has a high annual fee. The annual fee of $450.00 is a lot higher than many other travel credit cards on the market. Even so, the rewards potential of this card is so high that it really makes the annual fee a moot point. Cardholders also receive a $300.00 annual travel credit which goes a long way toward negating the annual fee.

 

You should also know that this card is going to require an excellent credit score. This may wind up being somewhat of a problem for some people. Even those with very good scores may wind up being turned down. If you are not able to meet the requirements, then this card may not be a possibility for you.

 

Credit Score Needed for Approval

To be approved for the Chase Sapphire Reserve Card, you will need an excellent credit score. The recommended credit score for this card is 720 or higher. This is a very high score and it may put this credit card slightly out of reach for many people. It is imperative that you check your credit score before applying to avoid any potential disappointment. If your score is too low, then you may wish to make an effort to raise it slightly before returning to the idea of signing up for this card.

 

Who Does the Chase Sapphire Reserve Appeal to Most?

This credit card is going to appeal to several different types of people. It will appeal to professionals who travel regularly and want to earn rewards for their travel and dining expenses. If you spend a lot of money on airfare, hotels, and car rentals, then this card will start to pay off fast. The perks of being a cardholder will also simply make your travel experience a lot better overall.

 

It is also a credit card that appeals to those who travel semi-regularly. It has high enough rewards potential that this card can be a benefit to people who only travel for fun. The bonus categories are generous and you can earn 3X points on ridesharing and food delivery services. This is going to be a very practical credit card for a number of different people.

 

An Alternative Card to Consider

One potential alternative to this credit card is the Capital One Venture Rewards Card. It is also a very good travel credit card and it might be even easier to manage in some ways. It gives you a flat rewards rate on all of your purchases. Being able to earn 2X points per $1.00 spent on any purchase is really good overall. For some people, this may work out better than the Chase Sapphire Reserve Card.

Capital One Venture Credit Card Review

Capital One Venture

50,000 points after spending $3,000 in 3 months

$95 Annual Fee (waived year 1)

LEARN HOW TO APPLY >>

See our full review of the Capital One Venture card.

 

If you travel often enough, then the Chase Sapphire Reserve Card might be the better option. For those who do not spend money on dining and travel too often, the Capital One Venture Rewards Card will pull ahead. It depends on your spending habits and what you expect out of a credit card. The annual fee of the Capital One Venture Rewards Card is lower too, as it only costs $95.00 per year with the first year being waived.

chase sapphire reserve perks

 

Decision Time: Is the Chase Sapphire Reserve Right for You?

The Chase Sapphire Reserve Card is a truly phenomenal option for anyone who can use the card to its full potential. This card really helps people to earn rewards points at a high rate. The ability to earn 3X points per $1.00 spent on travel and dining is stellar. If you travel a lot, then you will really be able to alleviate a lot of your expenses through earning rewards.

 

You will also benefit from having this card just because of how nice the perks are. It is a credit card that makes it that much more comfortable for you to travel. Gaining access to various airport lounges around the world and being able to use a dedicated concierge service will be great. Other perks such as the $300.00 annual travel credit will be very practical and help to trivialize the annual fee.

 

So long as you use this card in the right bonus categories, you will be able to come out ahead. Don’t hesitate to sign up for this credit card if you think that you can use it frequently enough. It will give you a great travel experience and will be a constant source of rewards points. It earns a recommendation due to being easy to use and the high rewards potential that it possesses.

chase sapphire reserve card art new

Chase Sapphire Reserve

50,000 points after spending $4,000 in 3 months

$550 Annual Fee

LEARN HOW TO APPLY >>

chase ink cards

First off, I’ve got a few questions for you… Do you have a business? Ok, do you have a good credit score? Now, our last question… do you enjoy saving money? FANTASTIC! I’m going to take a guess, and say that you’ll like what the Chase Ink cards have to offer.

 

There are three Chase Ink cards offered. Two no annual fee credit cards and one premium card with a small annual fee. The three Chase Ink cards are the Ink Business Preferred, Ink Business Cash, and the Ink Business Unlimited. They all are built with business owners in mind. Each of the cards has it’s own distinct features and benefits. They’re all great credit cards to have for your business, whether it’s big or small, seasoned or just launching.

 

One of the best parts about the Chase Ink cards is that they all offer excellent introductory offers. After meeting the minimum spend, each of the Chase Ink cards offers enough Chase Ultimate Rewards to really make a difference. While two of the cards are advertised as “cash back” cards, they actually earn the same Ultimate Rewards points that have the potential to be used for things like travel.

 

Let’s get to it and take a look at the Chase Ink cards.

 

 Ink Bus. Preferred
Chase Ink Cards Compared: Ink Business Preferred vs Cash vs Unlimited 24
Ink Business Cash
Chase Ink Cards Compared: Ink Business Preferred vs Cash vs Unlimited 25
Ink Bus. Unlimited
Chase Ink Cards Compared: Ink Business Preferred vs Cash vs Unlimited 26
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

Spend money advertising online

Want cell phone accident coverage
Want a large introductory bonus

Want no annual fee

Spend money at office supply stores
Want a large introductory bonus

Want no annual fee

Want simplicity in earning through spend
Learn More >>Learn More >>Learn More >>

 

What Does the Ink Preferred Offer?

The Chase Ink Business Preferred card is the premier business card of the Chase portfolio. It’s the only card of the three that has an annual fee but also comes with a better introductory offer. In fact, the cards introductory offer is considered by us at Travel Freedom, to be the best of any credit card offered by all banks.

 

Along with the large introductory offer, the Ink Preferred comes with some nice rewards. The card earns 3X points on an assortment of useful categories. It’s one of the only cards that offer reward points for online advertising purchases. It also comes with purchase and travel protections that can save you a lot of money in certain circumstances.

 

Let’s take a closer look at the features of the Chase Ink Preferred.

 

Ink Business Preferred

Chase Ink Cards Compared: Ink Business Preferred vs Cash vs Unlimited 27
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 >>

 

What Does the Ink Cash Offer?

The Chase Ink Cash is a no-fee business card that still has a high introductory offer. It’s rare to see a card with an introductory offer that can be worth up to $1000 or more to not have an annual fee.

 

The Ink Business Cash a great card that you can hold onto forever without having to pay fees. It’s also great for earning rewards. It has some of the most generous rewards categories as well.

 

With the Ink Business Cash, you will earn 5% on purchases made on internet service, phone, and cable as well as purchases from office supply stores. On top of those 5% categories, the card also earns 2% on gas and dining. Both the 5% and 2% categories have caps on earning, but it’s high at $25k for each of the two groups.

 

The Ink Business Cash is the first business card I ever applied for. I got it because it has a good introductory offer, it’s good for earning rewards, and it has no annual fee. Also, if you have a primary Chase Ultimate Rewards credit card (Sapphire Preferred, Sapphire Reserve, or Ink Preferred), you are able to transfer your points to those card accounts for more valuable redemptions. This makes the Chase credit cards work well together to earn better travel rewards.

 

Ink Business Cash

Chase Ink Cards Compared: Ink Business Preferred vs Cash vs Unlimited 25
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 >>

 

What Does the Ink Unlimited Offer?

Like the Ink Cash card, the Ink Business Unlimited has a high introductory offer. It also does not have an annual fee associated with it. These two cards are some of the best introductory offers without having to pay an annual fee.

 

Where it differs from the Ink Cash is how it earns rewards. The Chase Ink Business Unlimited is all about simplicity. It earns 1.5% back on all purchases with no limit. This card is great if you won’t be able to take advantage of the 5% categories from the Ink Cash card because you’ll get 1.5% on everything no matter what it is.

 

Ink Business Unlimited

Chase Ink Cards Compared: Ink Business Preferred vs Cash vs Unlimited 26
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 >>

 

The Chase Ink Cards Earn Ultimate Rewards

Chase Ultimate Rewards are arguably the most valuable reward points of them all. We value Ultimate Rewards at 2.0 cents per point.

 

Why does Travel Freedom value them higher than Chase does?

 

Well, their valuations come from using the Chase travel portal, which gives a straight up value of 1.0, 1.25, or 1.5 cents per point depending on the card account you redeem your points on. For instance, the Ink Preferred card or the Sapphire Preferred card allow you to redeem points in the travel portal for 1.25 cents per point. The Sapphire Reserve, the most premium card that Chase offers, allows for redemptions of 1.5 cents per point in the travel portal.

 

Every other Chase Ultimate Rewards card has a redemption rate of just 1.0 cents per point through the travel portal. That doesn’t mean it’s the best you can do, because you’re able to transfer Chase Ultimate Rewards between accounts. So, if you have a Ink Cash and a Sapphire Reserve, you can earn points with the Ink Cash and transfer them over to your Sapphire Reserve account to either get a better redemption in the travel portal, or have access to Chase travel transfer partners.

 

We like to take into consideration that it’s possible to redeem your Chase Ultimate Rewards for much higher values by converting your points to hotel or airlines through the Chase transfer partners. There are 9 airline partners and 4 hotel partners that you can transfer your points to at a 1:1 ratio. This allows you to take advantage of good rewards rates with certain programs to get a value of 2.0 cents per point or more. The transfer partners are also only available to Sapphire Preferred, Sapphire Reserve, and Ink Preferred card accounts.

 

Chase Ultimate Rewards Redemption Rates

*Ink Business Preferred: 1.25 cents per point (also has transfer partners available)

Ink Business Cash: 1.00 cents per point (can transfer points to another card account)

Ink Business Unlimited: 1.00 cents per point (can transfer points to another card account)

 

Let’s Compare the Chase Ink Cards

Best Introductory Offer

Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred

80,000 points after spending $5,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

See our full review of the Ink Business Preferred.

 

Best for Earning Rewards

Chase Ink Business Cash Credit Card

Chase Ink Business Cash

$500 (50,000 Ultimate Rewards) after spending $3,000 in 3 months

No Annual Fee

LEARN HOW TO APPLY >>

See our full review of the Ink Business Cash.

 

Best for Simplicity

Chase Ink Business Unlimited Credit Card

Chase Ink Business Unlimited

$500 (50,000 Ultimate Rewards) after spending $3,000 in 3 months

No Annual Fee

LEARN HOW TO APPLY >>

See our full review of the Ink Business Unlimited.

 

Best for Redeeming Points

Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred

80,000 points after spending $5,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

 

Which of the Chase Ink Cards is Best For You?

Each of the Chase Ink Business cards is a good choice. They all have slightly different offerings that may suit your needs better. If you’re looking for the most points right off the bat, you’ll want the Chase Ink Preferred. If you purchase a lot at office supply stores, the Ink Cash will be best. But, if you’re just looking for simplicity in your rewards, the Ink Unlimited might be just right.

 

Whatever it is that you’re looking for in a small business credit card, the Chase Ink Business portfolio has you covered. It might even make sense to have two or all of the cards to cover your different types of purchases, plus earn a bunch of Ultimate Rewards through the introductory offers.

 

 Ink Bus. Preferred
Chase Ink Cards Compared: Ink Business Preferred vs Cash vs Unlimited 24
Ink Business Cash
Chase Ink Cards Compared: Ink Business Preferred vs Cash vs Unlimited 25
Ink Bus. Unlimited
Chase Ink Cards Compared: Ink Business Preferred vs Cash vs Unlimited 26
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

Spend money advertising online

Want cell phone accident coverage
Want a large introductory bonus

Want no annual fee

Spend money at office supply stores
Want a large introductory bonus

Want no annual fee

Want simplicity in earning through spend
Learn More >>Learn More >>Learn More >>

chase freedom unlimited

chase freedom unlimited card art new

Chase Freedom Unlimited

$150 (15k Ultimate Rewards) after spending $500 in 3 mo.

No Annual Fee

LEARN HOW TO APPLY >>

Chase is one of the primary companies that provide rewards credit cards for both individuals and businesses. They have many great offerings on the market for you to consider. If you are looking for a good rewards credit card to apply for, then there will be a few Chase options that you will want to consider. It is always a good idea to look into what a card has to offer before proceeding, though. Here, we’ll take a look at the Chase Freedom Unlimited.

 

Many people are currently using and loving the Chase Freedom Unlimited credit card. This is a very traditional rewards credit card that manages to stand out in several important ways. It offers many good rewards and has the potential to be a very lucrative rewards credit card for you. Depending on what your rewards credit card expectations are, this may wind up being the perfect card for you to start out with.

 

Take your time to look at all of the available features of this credit card. If you are able to examine everything that the Chase Freedom Unlimited credit card brings to the table, then it will be simple to determine whether or not it is for you. We will thoroughly examine every aspect of this card below so that you can make an informed choice. Take the time to read through the information and you just might find your new favorite credit card.

 

Chase Freedom Unlimited

Chase Freedom Unlimited Review: 1.5% Rewards on Every Purchase 33
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 >>

 

Is the Chase Freedom Unlimited New?

The Chase Freedom Unlimited credit card has been around since 2016. It was announced as Chase’s first Ultimate Rewards credit card that earns a fixed amount on all purchases. The Chase Freedom Unlimited earns 1.5 points on every purchase with no limit. Other than its earning format, it’s the exact same credit card as the original Chase Freedom card.

 

I mentioned that the Chase Freedom Unlimited is technically an Ultimate Rewards credit card, but is actually marketed as a cash back card. Every dollar spent will earn 1.5% “cash back” in the form of Ultimate Rewards. This feature makes the Freedom Unlimited much more valuable because of the ability to transfer Ultimate Rewards between Chase card accounts.

chase freedom unlimited credit card

 

Chase Freedom Unlimited: It’s So Simple to Earn Rewards

The Chase Freedom Unlimited is made for the people who want simplicity when it comes to spending. They do not enjoy strategically getting the most points out of every dollar spent. That’s too much of a hassle for this type of person. But, they do still want to earn extra points on the things they buy.

 

By earning 1.5 points on every dollar spent, it makes earning extra points very easy. With the Chase Freedom Unlimited, you don’t have to worry about using a certain card for groceries, a different card for gas, and yet another card for your cell phone bill. This card is perfect for people who just want their points to be simple to earn. If this is the type of person you are, the Chase Freedom Unlimited should be in your wallet.

 

The Features

The features that you can enjoy when using the Chase Freedom Unlimited credit card are actually really nice. Of course, this is a rewards credit card that makes it easy to earn cash back on your purchases. It is a flat rate rewards card that does not use any type of bonus categories. This will either be a very good thing or a bad thing, depending on your perspective.

 

People who love this credit card generally enjoy that it is simple to use. You will be able to expect a flat cashback rate on all of your purchases so that you will not have to worry about having to mess with bonus categories. It allows for a more streamlined experience in many ways. You will be earning a constant stream of rewards just by using your credit card as you see fit.

 

One of the reasons that this is referred to as the “freedom” card is that you are free to redeem rewards as you see fit. Most rewards credit cards force you to earn a certain amount of rewards before redeeming them. That is not the case with the Chase Freedom Unlimited credit card. You can redeem rewards as often as you want, as there is no minimum redemption amount that is holding you back.

 

You will also be able to pair this credit card with other credit cards in the Chase family. For example, the Chase Sapphire Preferred card might be something that you already use. You can pair the cards together to increase the redemption options for your rewards points. This has the potential to turn your rewards into ultimate rewards points, leading to an increased value of the rewards that you have been earning.

chase freedom unlimited card

 

The Benefits

The biggest benefits that you will enjoy by using this credit card will be related to the rewards program. The rewards that you can receive through the use of this credit card are plentiful. Having the option to redeem rewards at any point in time is very nice, too. It puts the power in your hands to decide how you want to do things.

 

Aside from this, people will also be drawn in by the lucrative sign-up bonus that this credit card has to offer. Simply signing up for this card will allow you to earn some cash within the first three months. Taking advantage of the sign-up bonus offer is rather easy and it makes it even more appealing to apply. If you decide which cards to apply for based on their sign-up offers alone, then this one is likely to pique your interest.

 

One of the biggest benefits that is worth mentioning is how well this credit card pairs with the different Chase credit cards. If you have been using Chase credit cards for quite some time, then it might be sensible to add this one to the mix. It can work in tandem with other Chase credit cards to provide a superior rewards experience. If you have one of the higher tier Chase cards, then you can turn your rewards from this card into ultimate rewards points.

 

Simply having the option to make your cards work together is going to be great. It is even possible to use business credit cards from Chase along with this personal credit card. If you are a small business owner and you happen to use one of the Ink Business credit cards, then the rewards from that can pair with this too. Sometimes, it does make sense to stick with one credit card provider, as the loyalty incentives can be worthwhile.

 

The Fees

The prices and fees of a credit card are among the most important pieces of information to look at. You want to make sure that the fees and any type of pricing structure are agreeable to you before proceeding. Luckily, the Chase Freedom Unlimited credit card is pretty good in this department.

 

Aside from this, the traditional fees that are associated with this card are very customer friendly. You will not be paying any type of annual fee to use this credit card. It really does make a difference to be able to avoid paying out yearly fees just to use your credit card. The fact that this is a rewards card that can earn you cashback rewards constantly makes it a very cost-effective option for you to consider.  

 

The one negative fee that you will have to face while using this card is the foreign transaction fee. This is actually a bit of a high fee and it can become a nuisance for people who travel abroad regularly. If you go outside of the country on business or for recreation, then you can expect to pay a fee when you decide to use your card. An extra three percent fee is going to make some people wary about this card, but it does make up for this flaw in several ways.

chase freedom unlimited credit score

 

Rewards Program Info

As you might expect, the appeal of this card is all about the rewards. You will be able to consistently earn rewards while using this credit card. This is a great option for people who want to be able to earn rewards without being forced to concern themselves with various bonus categories. This credit card offers a simpler experience that still gives you access to ample rewards through just using your credit card as you see fit.

 

Note that this credit card does not make use of bonus categories in any way. Instead, you will be getting a flat cashback rate on all of your purchases. The rate that you will be able to enjoy is set at 1.5% and it should help you to earn rewards very fast. The fact that you can redeem these rewards whenever you want to just makes things even more convenient.

 

This is set up in such a way that you can choose to redeem your rewards even when they are at low amounts. It is set up to offer you the most flexibility possible. The redemption options are also very robust. If you want to try to maximize the value of your rewards points, then you may want to take the time to tinker around with the system. You will be able to get more for your rewards if you have a complimentary primary Chase Ultimate Rewards card as well. It’s possible to transfer points between accounts to get more value for travel rewards.

 

If you want to book your travel through the Chase travel portal, it is going to be possible to use your points at a higher dollar value. It can make booking hotels or flights more cost effective for you. Likewise, you can choose to use your rewards points to convert them into airline miles or hotel points with the Chase transfer partners.

 

When you transfer your points to airlines and hotels, it can make booking a full travel experience a lot less expensive in points. You will be able to use your rewards points for extra value. You can pair cards together to use the rewards points in different ways or you can simply get your cashback options as you normally would. This is a flexible card that offers you many different rewards features when you are willing to look into your options.

 

The Pros

  • Simple rewards experience
  • Flat cashback rate is good (better than common 1%)
  • No minimum redemption amount on points
  • No annual fee

 

The Chase Freedom Unlimited credit card is appealing in several different ways. It works out well due to being able to keep things simple for those that want a streamlined experience. If you desire an easy to understand credit card with a flat cashback rewards rate, then this will work well for you. It can also be more robust than that and will offer you many great redemption features when paired with other Chase cards and partner programs.

 

Your ability to redeem points at any time is another positive feature that puts you in control. You get to decide when you want to redeem your rewards and there is no minimum redemption requirement to worry about. As long as you have the rewards to redeem, they will be available to you at any time. This is one of the few cashback cards that offers a convenient feature such as this.

 

The lack of an annual fee is something that keeps Chase customers happy as well, so it is worth noting that this is a very customer friendly credit card.

chase freedom unlimited benefits

 

The Cons

  • Foreign transaction fees
  • Lack of bonus categories
  • 1.5% is not great (but it’s simple)

 

The most notable flaw of this credit card is that it has foreign transaction fees. If you like to travel outside of the country, then you will be paying a fee if you decide to use your card while traveling. The three percent fee can really put a damper on your experience and you may wish to avoid using this card outside of the country because of it. This is one of the few areas where this card stumbles, so it probably isn’t enough to deter you from being interested.

 

Some people will lament the lack of bonus categories, too. If you like being able to earn more points by using your credit card to purchase items in specific categories, then this card won’t be for you. This is a cashback card with a flat rate and no bonus categories. It is meant to be easier to use and this is not going to be a bad thing as far as many people are concerned. It really comes down to what you want out of a rewards credit card.

 

Also, there are some credit cards on the market that offer a higher rewards rate. For instance, you might be able to find a rewards credit card that offers you two percent cashback on every purchase. The Chase Freedom Unlimited still manages to stand out from these cards in several positive ways, but you may want to go with the higher cashback reward percentage anyway. It will all depend on what you want to get out of your rewards credit card experience.

 

The Chase Freedom Unlimited Signup Bonus

The Chase Freedom Unlimited signup bonus is not one of the highest in the market, but it’s good for a no-fee card. 15,000 Ultimate Rewards is worth $150 when redeemed for cash back or to purchase gift cards or products on Amazon. A Chase Freedom Unlimited $150 bonus is how they advertise it, but it can be worth more than that. The signup bonus gets really good is when you double the value of your points and are able to redeem for 2 cents per point instead of 1. Who wouldn’t rather redeem points for double what they’re marketed as? Let’s see how it’s possible.

chase freedom unlimited 150 bonus

 

How to Transfer Chase Freedom Unlimited Rewards to Multiply their Value

Here’s the secret that will potentially turn 1.5% back into 3% or more on all your purchases. The Chase Freedom Unlimited is advertised as a card that earns 1.5% cash back on every purchase, but it’s more than just that. Because Chase Ultimate Rewards can be transferred between card accounts, it makes sense to pair one of the three premium Ultimate Rewards cards with the Chase Freedom Unlimited.

 

Why?

When you redeem Ultimate Rewards directly with the Freedom Unlimited you redeem at a value of one cent per point. But, when you redeem them from one of the premium card accounts they are redeemed for at least 1.25-1.5 cents per point using the Chase travel portal. This gives you 25-50% more value for your Ultimate Reward points. Even better, with any of the premium Ultimate Rewards cards, you can transfer points to airline and hotel travel partners which makes your points redeemable at well over 2 cents per point! Which Ultimate Rewards cards are “premium cards”? Let’s take a look.

 

The 3 Primary Ultimate Rewards Credit Cards

 Sapphire Preferred
Chase Freedom Unlimited Review: 1.5% Rewards on Every Purchase 34
Sapphire Reserve
Chase Freedom Unlimited Review: 1.5% Rewards on Every Purchase 35
Ink Business Preferred
Chase Freedom Unlimited Review: 1.5% Rewards on Every Purchase 36
Signup Bonus60,00050,00080,000
Bonus Spending Categories2X on travel and dining3X on travel and dining, 10X on Lyft rides3X on travel, shipping, internet, cable, phone, and online ads
Annual Fee$95$550$95
Extra PerksBaggage insurance
Travel insurance
Rental car insurance
$300 annual travel credit
TSA PreCheck
or Global Entry
Priority Pass Select
Cell phone protection
Primary Car Rental Insurance
Travel Insurances
Best for People Who...Want a large introductory bonus

Like to Travel
Want a large introductory bonus

Want luxury travel benefits

Travel often
Want a huge introductory bonus

Spend money advertising online

Want cell phone accident coverage
Learn More >>Learn More >>Learn More >>

 

Since all three of these credit cards come with the ability to use Chase’s travel transfer partners, you can essentially double your points if you have one of them. If you’re able to combine one of these premium Chase credit cards to partner with your Freedom Unlimited, it always makes sense to transfer points before redeeming.

 

Chase Freedom Unlimited vs Freedom (There’s Only 1 Difference)

Every feature of the Chase Freedom Unlimited is identical to the original Chase Freedom card, besides one thing. How points are earned through purchases. We thought about making a comparison chart of the two cards side by side, but this is the one and only difference. The Chase Freedom Unlimited earns 1.5 points per dollar on every purchase. The Chase Freedom earns 5 points per dollar on quarterly rotating categories (things like groceries, gas, movies, and Chase Pay), and 1 point per dollar on everything else.

 

Which card is better for you depends on if you want the potential to earn extra points or want simplicity. Below are the features that both Freedom cards offer.

  • Earn 3% on all purchases in the first year (up to $20,000 spend)
  • $25 for adding Authorized User (2500 Ultimate Rewards)
  • No annual fee

 

The Chase Freedom card might wind up working out better for you. Depending on what you want to do, it is possible that the Chase Freedom card may fit your needs slightly better. It has a different signup bonus and offers rotating rewards categories. This will not be a better option for those who want to keep things simple, but it is another good credit card from Chase to look into. For more information on the comparison, check out our Chase Freedom Vs Freedom Unlimited article.

chase freedom unlimited benefits

 

Chase Freedom Unlimited: Credit Score Needed for Approval

Now that you understand the value that the Chase Freedom Unlimited comes with, let’s find out what credit score is needed for approval. Although it is a No annual fee credit card, you still must have good to excellent credit to be approved. This means your score needs to be 670 or above to have a very good shot at being approved.

 

If your score is under this level, it doesn’t mean that you won’t be approved, but your odds go down. I’ve seen online reviews that mention people being approved with credit scores in the mid 600’s.

 

Chase regularly approves people for this credit card who have scores that fall in the good range, but having excellent credit will make things even easier. If you want to apply for this card, it will be smart to check your credit score ahead of time to be safe.

 

If you don’t know what your credit score is, you can find out for free. It’s simple. Just go to Credit Sesame and make a 100% free account and it will give you a monthly estimate of your TransUnion credit score. Their estimations are very accurate. A free Credit Sesame account is also a good tool for keeping an eye on your credit to make sure nothing bad ever happens to it.

 

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

 

Know the Chase 5/24 Rule Before Applying

You should also know that Chase has a rule that they refer to as the 5/24 rule. This means that if you have opened five credit card accounts or more in the last 24 months, then your application will be turned down. If you have been signing up for new credit cards a lot lately, then you may need to wait to be able to qualify for this one. It is a safety feature to prevent people from gaining access to credit without restraint.

 

Who Is This Credit Card for?

This is a perfect credit card for people who are just getting into the idea of rewards credit card programs. If you are a person who is looking for a reliable credit card to use for everyday purposes, then this will work out well. You will be earning cash back on your purchases every single time. It does not take a lot of micromanagement to use this credit card effectively and the rewards will be there for you whenever you need to use them.

 

People who have been using Chase credit cards for years may also benefit from signing up for this card. It is going to be able to work together with other Chase cards in effective ways. If you are a regular Chase customer, then using this credit card will be even easier than it would otherwise be. You can earn some very lucrative rewards and it can really give you a fantastic experience.

 

Anyone who just likes using a credit card with a simple structure will find this card appealing as well. It’s less complex than many of the rewards credit cards on the market. The Chase Freedom Unlimited makes it simpler for those who are just starting out with rewards points, but you will be able to use this card in complex ways if you so choose. It is a very flexible credit card to have in your wallet.

chase freedom unlimited pros

 

Is the Chase Freedom Unlimited for You?

With all the details in order, I’m sure you know whether the Chase Freedom Unlimited is for you or not. If you’re all about simplicity, then the straightforward 1.5 points per dollar spending is probably a great fit for you. Also, if you want to get a premium Ultimate Rewards card to partner with the Chase Freedom Unlimited, it’s also a good option. Instead of earning 1 point per dollar on “everything else”, you can earn 1.5 points.

 

If you’re purely looking for a cash back credit card you may be better off with a different card. There are a few options that earn 1.5-2% cash back and some even have bonus categories. The Chase Freedom Unlimited is more about earning Ultimate Rewards than it is cash back.

 

Either way, the Chase Freedom Unlimited credit card is something that deserves a place in your wallet. This versatile credit card will give you the convenient cash back options that you are looking for. Being able to use this card to its full potential is not overly difficult and it pairs well with other Chase credit cards. Apply for this card today if you are in need of a credit card that is simple to use while still offering many great options.

chase freedom unlimited card art new

Chase Freedom Unlimited

$150 (15k Ultimate Rewards) after spending $500 in 3 mo.

No Annual Fee

LEARN HOW TO APPLY >>