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Celebrity Cruises Visa Signature Review

Celebrity-Cruises-Visa-Signature

Rating: 4 Stars

Bottom Line:
Rewards for Celebrity Cruise Ship Travelers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:16.74% – 24.74% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:2 points per $1 spent on qualifying purchases with Celebrity Cruises and our sister brands, Royal Caribbean International and Azamara Club Cruises

Earn 1 point per $1 spent on all other purchases
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • No Annual Fee or Foreign Transaction Fees. Enjoy the freedom to explore off the beaten path with your Visa Signature card
  • Receive 10,000 Bonus Points after making a qualifying transaction in the first 90 days of account opening – worth $100 in onboard credit
  • 2 points per $1 spent on qualifying purchases with Celebrity Cruises and our sister brands, Royal Caribbean International and Azamara Club Cruises. Earn 1 point per $1 spent on all other purchases
  • Redeem your MyCruise points for onboard credit, cruise discounts and vacations, plus more

Is Celebrity Cruises Visa Signature worth it?

Celebrity Cruises Visa Signature is a solid card for people who take cruises on Celebrity Cruises and and their sister brands, Royal Caribbean International and Azamara Club Cruises.

Cardholders earn 2 MyCruise points for every dollar spent on purchases with these partners. There is a $69 annual fee version of this card which provides cardholders additional discounts on Celebrity-related bookings and onboard purchases.

Pros

  • Receive 10,000 MyCruise points after making a qualifying transaction in the first 90 days of account opening – worth $100 in onboard credit
  • Earn 2 points per $1 spent on qualifying purchases with Celebrity Cruises and their sister brands, Royal Caribbean International and Azamara Club Cruises
  • No annual fee

Cons

  • Other cards offer the same rewards rate – 2 points per $1 – on all purchases and allow redemption outside of cruise-related purchases

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars. ?????

Perks


4 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither $10 or 3% of the amount of each transaction, whichever is greater
Cash Advance FeeEither $10 or 3% of the amount of each transaction, whichever is greater
Penalty APRUp To 29.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with Celebrity Cruises Visa Signature

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
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Bank of America Cash Rewards Review

Bank of America? Cash Rewards Credit Card

Rating: 5 Stars

Bottom Line:
Cash Back In Categories That Are Common Expenditures

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:15.74% – 25.74% (Variable)
Intro APR (Purchases):0% for 15 billing cycles
Intro APR (Balance transfers):0% for 15 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings

2% cash back at grocery stores and wholesale clubs

Up to $2,500 in combined 3% category and 2% grocery store/wholesale club quarterly purchases

1% cash back on all other purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% – 25.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase

Bank of America Cash Rewards worth it?

Bank of America Cash Rewards is a strong card for cardholders who spend a lot on gas, online shopping, dining, travel, drug stores or home improvements and furnishings, which earn 3% cash back and are selected by the cardholder monthly.

Pros

  • $200 signup bonus after spending $1000 in first 90 days of account opening
  • 0% for 15 months on purchases and balance transfers
  • No annual fee

Cons

  • 3% and 2% rewards rate is capped at $2,500 in combined purchases per quarter

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee3%
Balance Transfer Fee3% of the amount of each transfer or $10, whichever is greater
Cash Advance FeeSee Terms
Penalty APRUp to 29.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Concierge Service
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Assistance
Get Started with Bank of America Cash Rewards

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

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If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

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Bank of America Business Advantage Travel Rewards World Mastercard Review

Bank of America? Business Advantage Travel Rewards World Mastercard? Credit Card

Rating: 5 Stars

Bottom Line:
Travel Rewards for Business Owners With No Annual Fee

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:13.24% – 23.24% (Variable)
Intro APR (Purchases):0% for 9 billing cycles
Intro APR (Balance transfers):None
Rewards Rate:3 points per dollar spent for travel booked through Bank of America?s travel center

1.5 points per dollar on all purchases and 25,000 bonus points when you spend $1,000 in first 60 days of account opening
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don’t expire.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America Travel Center – powered by Expedia.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Get a 75% rewards bonus on the base earn of every purchase you make when you’re a Business Advantage Relationship Rewards Platinum Honors tier client. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America Travel Center.

Is Bank of America Business Advantage Travel Rewards World Mastercard worth it?

Bank of America Business Advantage Travel Rewards World Mastercard is a great no-annual fee travel card with three points per dollar on travel booked through Bank of America Travel Center and a simple unlimited 1.5 points per dollar on all purchases.

Pros

  • Qualifying cardholders – based upon eligible cardholder account balances – receive 75% more points back on every point earned, bringing the rewards rates from 1.5 to 2.62 points and from 3 to 4.12 points; this is a significant benefit for businesses with big expenses
  • No annual feel
  • No foreign transaction fee

Cons

  • Only travel earns 3 points per dollar, and it must be booked through the Bank of America Travel Center

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee$0
Balance Transfer Fee4% of the amount of each transaction or $10, whichever is greater
Cash Advance Fee4% of the amount of each transaction or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Price Protection
Purchase Protection
Travel Assistance
Get Started with Bank of America Business Advantage Travel Rewards World Mastercard

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

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These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
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Best Bank of America Credit Cards, Best Business Credit Cards, Best Credit Cards For Extended Warranties, Best Credit Cards For Good Credit, Best Credit Cards For Price Protection, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Travel Insurance, Best Credit Cards To Book Flights, Best Mastercard Credit Cards, Best No Annual Fee Credit Cards, Best No Foreign Transaction Fee Credit Cards, Best Purchase Protection Credit Cards, Best Travel Credit Cards, Best Travel Credit Cards With No Annual Fee

Bank of America Business Advantage Cash Rewards Mastercard Review

Rating: 5 Stars

Bottom Line:
High Cash Back on First $50k Spent

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:14.49% – 24.49% (Variable)
Intro APR (Purchases):0% for 9 billing cycles
Intro APR (Balance transfers):None
Rewards Rate:3% cash back on the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter)

2% cash back on dining

1% cash back on all other purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don?t expire.
  • Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
  • You?ll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America checking or savings account.
  • Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

Is Bank of America Business Advantage Cash Rewards Mastercard worth it?

Business Advantage from Bank of America is a great card for small business owners who use the 3% cash back rewards category on the first $50,000 in purchases. With a foreign transaction fee, the Business Advantage card makes traveling internationally slightly more expensive.

Pros

  • $300 statement credit bonus if you spend $3,000 within the first three months
  • 3% cash back in your choice of one of six spending categories and 2% cash back on dining purchases, up to $50,000 in combined category purchases per year
  • 0% Intro APR for 9 billing cycles on purchases
  • No annual fee

Cons

  • 3% foreign transaction fee
  • 3% Cash back is capped at $50,000 spend
  • Below average 1% ongoing cash back rate

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee3%
Balance Transfer Fee4% of the amount of each transaction or $10, whichever is greater
Cash Advance Fee4% of the amount of each transaction or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Travel Accident Insurance
Luggage Reimbursement
Price Protection
Purchase Protection
Roadside Assistance
Travel Assistance
Get Started with Bank of America Business Advantage Cash Rewards Mastercard

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Bank of America Credit Cards, Best Business Credit Cards, Best Cash Back Credit Cards, Best Credit Cards For Extended Warranties, Best Credit Cards For Good Credit, Best Credit Cards For Price Protection, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Roadside Assistance, Best Mastercard Credit Cards, Best Purchase Protection Credit Cards, Best Self Employed Credit Card, Best Small Business Credit Cards, Best Travel Credit Cards With No Annual Fee

American Express Business Gold Review

American Express Business Gold Credit Card

Rating: 4 Stars

Bottom Line:
Cost-Effective Business Rewards

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:If you activate Pay Over Time: 16.24% – 24.24% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:4 Membership Rewards points per dollar on the two select categories where your business spent the most each billing cycle (first $150,000 in purchases yearly)
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$295
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express? Business Gold Card within the first 3 months of Card membership.
  • Limited time Offer ends 11/06/2019.*
  • MORE REWARDS: Get 4X Membership Rewards points on the 2 select categories where your business spent the most each month
  • 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManagerSM, receive a Year-End Summary, and more.

Is American Express Business Gold worth it?

American Express Business Gold is a great card for small businesses with significant travel, shipping, gas, restaurant, advertising, and computer purchases made directly from select providers. These expenses earn 4x points on the American Express Gold Business Card. The $295 annual fee will be worth it for businesses that spend and use the rewards.

If you need to carry a balance, you can use American Express Pay Over Time feature at an APR of 19.74%. You essentially now have a credit card, but not all charges will get carried over into the next month. You choose between the Extended Payment Option, where charges over $100 are automatically moved into your Pay Over Time balance, Select & Pay Later, where you manually choose charges over $100 to move into your Pay Over Time balance, or Sign & Travel, where airline tickets, hotel stays, car rentals, cruises and charges in other countries are moved into your Pay Over Time balance. It’s not the simplest program but whichever choice you select, you basically now have a credit card, where you can choose to pay the full balance, the minimum payment, or anything in between. This is in contrast to what would normally happen with a charge card, where you are required to pay the full balance every month, and if you don’t, you incur a late fee even if you pay an amount that would be above what would be considered the normal minimum payment if the card were a credit card. Charge cards also don’t impact your credit, because you are not extended a credit line.

Pros

  • 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year – Amex Travel offers rates comparable to major travel sites
  • 4x points for a number of business expense categories

Cons

  • $295 Annual fee
  • No Intro APR to fund business purchases

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeN/A
Cash Advance FeeN/A
Penalty APRUp to 29.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Concierge Service
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Purchase Protection
Travel Assistance
Get Started with American Express Business Gold

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
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Capital One Spark Cash for Business Review

Capital One? Spark? Cash for Business Credit Card

Rating: 5 Stars

Bottom Line:
Simple High Cash Back For Business Owners

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:18.74% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:2% Cash Back for your business on every purchase, everywhere
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0 intro for the first year, $95 after that
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business. Redeem at any time with no minimums.
  • Plus, a one-time $500 cash bonus once you spend $5,000 on purchases within 3 months from account opening and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Rewards won?t expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Is Capital One Spark Cash for Business Credit Card worth it?

Capital One Spark Cash for Business is a great cash back card for businesses looking to earn 2% cash back on every purchase.

Pros

  • $500 cash bonus after spending $5,000 in first 90 days of account opening
  • Free employee cards
  • No foreign transaction fee
  • $0 annual fee to start and reasonable $95 annual fee after first year
  • Visa Signature Cards

Cons

  • No Intro purchase APR for business expenses

Why 5 Stars?

Regular APR


5 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeNone
Cash Advance Fee3% of transaction amount or $10, whichever is greater
Penalty APR31.15%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Price Protection
Purchase Protection
Travel and Emergency Assistance
Travel Accident Insurance
Get Started with Capital One Spark Cash for Business

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Business Credit Cards, Best Capital One Credit Cards, Best Cash Back Credit Cards, Best Corporate Credit Cards, Best Credit Cards, Best Credit Cards For Advertising, Best Credit Cards For Consultants, Best Credit Cards For Extended Warranties, Best Credit Cards For Good Credit, Best Credit Cards For High Spenders, Best Credit Cards For Price Protection, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Travel Insurance, Best Credit Cards To Book Flights, Best No Foreign Transaction Fee Credit Cards, Best Purchase Protection Credit Cards, Best Self Employed Credit Card, Best Small Business Credit Cards, Best Travel Credit Cards, Best Visa Credit Cards

Capital One Spark Cash Select for Business Review

Capital One Spark Cash Select

Rating: 4 Stars

Bottom Line:
Cash Back For Business Owners With 0% Intro APR And No Annual Fee

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:14.74%, 18.74% or 22.74% (Variable)
Intro APR (Purchases):0% for 9 months
Intro APR (Balance transfers):None
Rewards Rate:1.5% Cash Back for your business on every purchase, everywhere
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 15.24% – 23.24% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won?t expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Is Capital One Spark Cash Select for Business Credit Card worth it?

Capital One Spark Cash Select for Business is a great cash back card for businesses looking to earn 1.5% cash back on every purchase with no annual fee. Additionally, Spark Cash Select offers 0% Intro APR for 9 months for business purchases.

Pros

  • $200 cash bonus after spending $4,500 in first 90 days of account opening
  • Free employee cards
  • No foreign transaction fee
  • No annual fee

Cons

  • Not the highest flat-rate cash back rate

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


4 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeNone
Cash Advance Fee3% of transaction amount or $10, whichever is greater
Penalty APR31.65%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Price Protection
Purchase Protection
Travel and Emergency Assistance
Travel Accident Insurance
Get Started with Capital One Spark Cash Select for Business

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Wyndham Rewards Visa Signature No Annual Fee Review

Wyndham Rewards Visa Signature No Annual Fee

Rating: 5 Stars

Bottom Line:
For Frequent Wyndham Travelers Who Don’t Want To Pay An Annual fee

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:16.74%, 21.49%, or 26.49% (Variable)
Intro APR (Purchases):0% APR on all Wyndham Timeshare Purchases for 6 billing cycles
Intro APR (Balance transfers):0% for 15 billing cycles for transfers in first 45 days
Rewards Rate:Earn 13 total points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties

Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target? and Walmart?)

Earn 1 point per $1 spent on purchases everywhere else (excluding Wyndham timeshare down payments)
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 15,000 bonus points after your first purchase, enough for up to 2 Free Nights
  • 7,500 ? 30,000 points are good for up to 1 bedroom per night, subject to availability. At participating hotels, 1 bedroom = 1 standard room. Resort fees may apply at Caesars hotels and cannot be paid with points
  • Earn 3 points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties plus 10 points for every qualified stay at a Wyndham Rewards hotel or vacation club resort
  • Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target? and Walmart?)
  • Earn 1 point per $1 spent on purchases everywhere else (excluding Wyndham timeshare down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!
  • Automatically receive a Wyndham Rewards Gold Membership and enjoy perks like preferred room selection, late checkout and more

Is Wyndham Rewards Visa Signature No Annual Fee worth it?

Wyndham Rewards Visa Signature No Annual Fee is a great card for people who stay at Wyndham properties from time to time. Wyndham operates 9,000+ hotels, including La Quinta, Ramada, Days Inn, Baymont, Super 8, Howard Johnson, Wyndham Vacation Rentals, and has partnerships with Caesars Entertainment hotels. Unlike the Wyndham Rewards Visa Signature Annual Fee, this no annual fee version does not have an anniversary point bonus.

The rewards rate is 13 points total per $1 at Wyndham properties and 2 points per $1 on eligible gas, utility and grocery store purchases (excluding Target and Walmart).

Hotel rewards rates generally offer a lot of points per $1. Wyndham Rewards Visa Signature No Annual Fee?s points are worth less than one cent per night. Take the Art Hotel Laguna Beach, part of the Trademark Collection by Wyndham hotel and considered a lifestyle hotel by Wyndham, one $110 night could be purchased for 15,000 points. That’s $.007 per point. A more upscale Wyndham brand, Cheyenne Mountain Resort Colorado Springs, A Dolce Resort, would cost 30,000 points for a $159 per night room, bringing the redemption even lower to $0.005.

You also receive Gold membership, including complimentary priority phone line at Member Services, preferred room selection, late checkout, and a 10% accelerated earning points bonus on bonus points at qualified stays. In plain English, this means you get 10% more points than the points you would have otherwise received for booking the stay.

There are two types of Wyndham Resorts redemption, Go Free, where you get the stay for free. and Go Free where you pay with a combination of points and cash. For longer stays, you can use multiple Go Free nights in a row, or you can use a Go Free night and then a Go fast night, although you may have to check out and check back in to achieve this, depending on the hotel.

The signup bonus of 15,000 points is enough for at least 1 night at hotels that are relatively upscale, as defined by Wyndham, and up to 2 nights at hotels that are relatively budget-oriented.

To decide if the card is worth renewing, let’s look at how much it takes to earn a free night. If you were to book 10 $110 nights with your Wyndham Rewards Visa Signature No Annual Fee card, you would receive one $110 night worth 15,000 points. In contrast, it would take you only 1 booking to get the free night with the annual fee version of this card, which costs $75 annually to renew and comes with 6,000 bonus points each year. That said, with no annual fee, there’s no downside to getting this card, and if you stay at Wyndham hotels enough to earn free nights, Wyndham Rewards Visa Signature No Annual Fee is a great card for you.

Pros

  • Earn 15,000 bonus points after your first purchase
  • Earn 3 points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties
  • Automatically receive a Wyndham Rewards Gold Membership and enjoy perks like preferred room selection, late checkout and more
  • No foreign transaction fee

Cons

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


5 Stars

Perks


4 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with Wyndham Rewards Visa Signature No Annual Fee

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Wyndham Rewards Visa Signature Annual Fee Review

Wyndham Rewards Visa Signature Annual Fee

Rating: 5 Stars

Bottom Line:
For Wyndham Travelers Looking for the Highest Reward Rate

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:16.74%, 21.49% or 26.49% (Variable)
Intro APR (Purchases):0% APR on all Wyndham Timeshare Purchases for 6 billing cycles
Intro APR (Balance transfers):0% for 15 billing cycles for transfers in first 45 days
Rewards Rate:Earn 15 total points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties

Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target and Walmart)

Earn 1 point per $1 spent on purchases everywhere else (excluding Wyndham timeshare down payments)
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:$75
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 15,000 bonus points after your first purchase. Plus, earn an additional 15,000 bonus points after you spend $1,000 on purchases within the first 90 days of account opening
  • 7,500 ? 30,000 points are good for up to 1 bedroom per night, subject to availability. At participating hotels, 1 bedroom = 1 standard room. Resort fees may apply at Caesars hotels and cannot be paid with points
  • Earn 5 points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties plus 10 points for every qualified stay at a Wyndham Rewards hotel or vacation club resort
  • Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target and Walmart)
  • Earn 1 point per $1 spent on purchases everywhere else (excluding Wyndham timeshare down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!
  • Automatically receive a Wyndham Rewards Platinum Membership and enjoy perks like preferred room selection, late checkout and more
  • Earn 6,000 bonus points after your account anniversary each year

Is Wyndham Rewards Visa Signature Annual Fee worth it?

Wyndham Rewards Visa Signature Annual Fee is a great card for people who want the highest rewards rate and a point bonus towards a stay at Wyndham properties. Wyndham operates 9,000+ hotels, including La Quinta, Ramada, Days Inn, Baymont, Super 8, Howard Johnson, Wyndham Vacation Rentals, and has partnerships with Caesars Entertainment hotels.

The rewards rate is 15 points total per $1 at Wyndham properties and 2 points per $1 on eligible gas, utility and grocery store purchases (excluding Target and Walmart).

Hotel rewards rates generally offer a lot of points per $1. Wyndham Rewards Visa Signature Annual Fee?s points are worth less than one cent per night. Take the Art Hotel Laguna Beach, part of the Trademark Collection by Wyndham hotel and considered a lifestyle hotel by Wyndham, one $110 night could be purchased for 15,000 points. That’s $.007 per point. A more upscale Wyndham brand, Cheyenne Mountain Resort Colorado Springs, A Dolce Resort, would cost 30,000 points for a $159 per night room, bringing the redemption even lower to $0.005.

You also receive Platinum membership, including early check-in, preferred room selection, late checkout, and a 15% accelerated earning points bonus on bonus points at qualified stays. In plain English, this means you get 15% more points than the points you would have otherwise received for booking the stay.

There are two types of Wyndham Resorts redemption, Go Free, where you get the stay for free. and Go Free where you pay with a combination of points and cash. For longer stays, you can use multiple Go Free nights in a row, or you can use a Go Free night and then a Go fast night, although you may have to check out and check back in to achieve this, depending on the hotel.

The signup bonus of 30,000 points is enough for at least 2 nights at hotels that are relatively upscale, as defined by Wyndham, and up to 4 nights at hotels that are relatively budget-oriented.

If you want to redeem points for the upscale hotels, it will take a number of hotel stays, even with the high 15 points per $1 total rewards rate. For example, including the 15% bonus for being a Platinum member, it takes booking eleven $159 hotels with your Wyndham Rewards Visa Signature Annual Fee card to earn enough points to exceed the value needed for another $159 night worth 30,000 points.

If you stay at Wyndham hotels and want an annual point bonus to get you another stay along with the highest rewards rate, Wyndham Rewards Visa Signature Annual Fee is a great card for you.

Pros

  • Earn 15,000 bonus points after your first purchase. Plus, earn an additional 15,000 bonus points after you spend $1,000 on purchases within the first 90 days of account opening
  • Earn 5 points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties
  • Automatically receive a Wyndham Rewards Platinum Membership and enjoy perks like preferred room selection, late checkout and more
  • Earn 6,000 bonus points after your account anniversary each year
  • No foreign transaction fee

Cons

  • $75 annual fee

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars. ?????

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with Wyndham Rewards Visa Signature Annual Fee

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Kroger 1-2-3 REWARDS World Mastercard Review

Kroger 1-2-3 REWARDS World Mastercard

Rating: 4 Stars

Bottom Line:
For Kroger Shoppers Who Buy Gas

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:13.49 – 25.49% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:3 points per eligible net $1 on the Kroger Family of Companies Own Brand Products

2 points per eligible net $1 spend in the Kroger Family of Companies (excluding fuel centers)

1 point per eligible net $1 spent anywhere Mastercard is accepted
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None
Card Brand:Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Every 1,000 points = $5 in FREE groceries
  • 3 points per eligible net $1 on the Kroger Family of Companies Own Brand Products
  • 2 points per eligible net $1 spend in the Kroger Family of Companies (excluding fuel centers)
  • 1 point per eligible net $1 spent anywhere Mastercard is accepted
  • An additional 25? off per gallon for one year each time you redeem at least 100 fuel points at participating Kroger Family of Companies Fuel Centers
  • No annual fee

Is Kroger 1-2-3 REWARDS World Mastercard worth it?

Kroger 1-2-3 REWARDS World Mastercard is a solid card for people who shop at Kroger frequently. The bulk of Kroger stores are located mainly in the midwest and south.

Kroger 1-2-3 REWARDS World Mastercard earns 3 points per dollar on Kroger’s own products including Heritage Farm, “p$$t check this out”, Luvsome, Bakery Fresh Goodness, Fresh Foods Market, Fresh Selections by Kroger, Home Sense, Comforts for Baby, Simple Truth Organic, Simple Truth, Abound, Private Selection, HemisFares, Big K, Pet Pride, and Kroger. If you don’t regularly buy at least a few of those brands, this card may be less valuable for you.

Cardholders also get 2 points per dollar at the Kroger Family of Companies (excluding fuel centers), which includes Kroger Marketplace, Fred Meyer, Ralphs, King Soopers, Dillons, Smith’s Food & Drug Stores, Smith?s Marketplace, Fry’s Food and Drug Store, Fry’s Marketplace, QFC – Quality Food Centers, City Market, Baker’s, Owen’s, JayC Food Stores, Gerbes, Pay Less Super Markets, Food4Less (So CA, NV, IN and IL stores only), Foods Co, Fred Meyer Jewelers, Littman Jewelers, Barclay Jewelers, and Kroger.

Cardholders also get an additional 25 cents off per gallon for one year each time you redeem at least 100 fuel points at participating Kroger Family of Companies Fuel Centers. To earn fuel points, you buy groceries with your Kroger 1-2-3 REWARDS World Mastercard and earn 1 point per dollar. If you bought $100 of groceries, you would earn the 25 cent discount for one year. Note fuel points do not count towards rewards points, and you would not receive another 25 cents off that already discounted price for redeeming more fuel points.

The Kroger points rewards are issued as Rewards Certificates that can be redeemed at the Kroger Family of Companies, not including Kroger fuel centers. The points are worth one half cent per dollar. Note that the average credit card point is worth one cent per dollar. Rewards Certificates can not be used to purchase alcohol, cigarettes, tobacco or prescription products.

The rewards rate is only 3 points per $1 x one half cent per point = 1.5%, and strictly from a financial perspective you would be better off with a flat-rate cash back card that gives you unlimited cash back on all purchases.

For example, Citi Double Cash gives you 2% cash back on anything, not just Kroger products: 1% when you buy, plus 1% as you pay the balance. If you don’t spend that much at Kroger, you can do even better on groceries and gas specifically with Bank of America Cash Rewards, which gets you 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs up to $2,500 in combined purchases each quarter, followed by 1% cash back on everything else.

If the 25 cent gas benefit is important to you, and if you shop at Kroger or its other companies often and want a store-specific Kroger card, Kroger 1-2-3 REWARDS World Mastercard is a solid card for you.

Pros

  • 3 points per eligible net $1 on the Kroger Family of Companies Own Brand Products
  • An additional 25 off per gallon for one year each time you redeem at least 100 fuel points at participating Kroger Family of Companies Fuel Centers

Cons

  • Points are worth one half cent

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither 4% of the amount of each transfer or $10 minimum, whichever is greater
Cash Advance FeeEither 4% of the amount of each advance or $10 minimum, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Insurance
Concierge Service
Emergency Card Replacement and Cash Advance
Extended Warranty Program
Identity Fraud Expense Reimbursement
Identity Theft Resolution Services
Purchase Protection
Price Protection
Roadside Assistance
Travel Accident Insurance
Trip Cancellation/Interruption Insurance
Travel Assistance
Get Started with Kroger 1-2-3 REWARDS World Mastercard

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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LATAM Visa Signature Credit Card Review

LATAM Visa Signature Credit Card

Rating: 5 Stars

Bottom Line:
Starter LATAM Rewards and Visa Signature Benefits

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:17.74% – 24.74% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:Earn 2 points for ever $1 in LATAM Airlines ticket purchases

Earn 1 point for every $1 in eligible net purchases
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None for first year, then $75
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Double points on LATAM Airlines ticket purchases
  • Earn 1 point for every $1 in eligible net purchases
  • Earn 20,000 bonus points after your first card use
  • Earn 4,000 bonus points with your annual credit card renewal
  • $0 intro annual fee the first year; $75 thereafter
  • 20% discount on first LATAM Airlines purchase (up to $500) 1 time per year
  • 25% flight bonus points on LATAM Airlines. To renew this benefit, the cardmember must have net spending of at least $15,000 each calendar year
  • 3 one-way upgrade coupons per year on LATAM Airlines

Is LATAM Visa Signature Credit Card worth it?

LATAM Visa Signature Card is a solid card for LATAM travelers. LATAM was formed from the merger of LAN and TAM airlines and most of LATAM?s destinations are in South America. The LATAM Visa Signature Card offers a 20% discount on your first LATAM Airlines purchase, up to $500, one time per year, you get 3 one-way upgrade coupons per year on LATAM Airlines, and you can also transfer your points to oneworld airline alliance partners.

Pros

  • Earn 2 points for ever $1 in LATAM Airlines ticket purchases
  • 20% discount on first LATAM Airlines purchase (up to $500) 1 time per year
  • Oneworld transfer parterns include American Airlines, British Airways, Japan Airlines and more than 5 more
  • $0 annual fee the first year, then $75

Cons

  • To transfer miles you must pay a fee of $5.60 per 500 miles transferred
  • No more than 2 transfers can be completed in one year

Why 5 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars. ?????

Fees

Foreign Transaction Fee3%
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance FeeEither 4% of the amount of each advance or $5 minimum, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with LATAM Visa Signature Credit Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

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Korean Air SKYPASS Visa Signature Review

Korean Air SKYPASS Visa Signature

Rating: 4 Stars

Bottom Line:
Rewards For Frequent Korean Air Travelers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:16.74% – 24.74% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:2 Miles for every net eligible $1 you spend on Korean Air ticket purchases

2 Miles for every net eligible $1 you spend on Gas Stations and Hotels

1 Mile for every $1 you spend on all other eligible net purchases
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:$95
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • 30,000 Bonus Miles after you spend $3,000 within first 90 days
  • 2,000 Bonus Miles at renewal
  • 2 Miles for every net eligible $1 you spend on Korean Air ticket purchases
  • 2 Miles for every net eligible $1 you spend on Gas Stations and Hotels
  • 1 Miles for every $1 you spend on all other eligible net purchases
  • $50 Off coupon for Korean Air ticket purchase each year
  • 2 KAL Lounge coupons each year
  • Redeem miles for award travel and upgrades on Korean Air and SkyTeam partners

Is Korean Air SKYPASS Visa Signature worth it?

Korean Air SKYPASS Visa Signature is a solid card for Korean Air travelers. Cardholders earn 30,000 SKYPASS Bonus Miles after you spend $3,000 within first 90 days and 2 miles for every $1 you spend in eligible net purchases. There is a $95 annual fee, but on the other hand you get a $50 off coupon for a Korean Air ticket purchase each year and 2,000 Bonus Miles at renewal. Korean Air miles are worth more than the average travel rewards program. For example, the 30,000 point sign up bonus may look small, but it gets you a roundtrip flight from South Korea to Japan.

Pros

  • SkyTeam transfer partners include Aeromexico, Air France, China Airlines, Delta Air Lines, and more than 5 more.
  • Earn 30,000 SKYPASS Bonus Miles after you spend $3,000 within first 90 days
  • Earn 2 miles for every $1 you spend in Korean Air ticket purchases, gas stations, and hotels
  • No foreign transaction fee

Cons

  • $95 annual fee
  • SKYPASS miles cannot be used in combination with cash to book Korean Air flights: the flight must be booked entirely with miles or cash

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance FeeEither 4% of the amount of each advance or $5 minimum, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with Korean Air SKYPASS Visa Signature

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Korean Air SKYPASS Select Visa Signature Review

Korean Air SKYPASS Select Visa Signature

Rating: 4 Stars

Bottom Line:
Worth It For Frequent Korean Air Travelers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:16.74% – 24.74% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:2 Miles for every net eligible $1 you spend on Korean Air ticket purchases

2 Miles for every net eligible $1 you spend on Airline Tickets, Car Rental and Hotels

1 Mile for every $1 you spend on all other eligible net purchases
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:$450
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Up to $200 annual statement credit on travel purchases
  • 30,000 Bonus Miles after you spend $3,000 within first 90 days
  • 10,000 Bonus Miles at renewal after $35,000 in spend annually
  • 2 Miles for every net eligible $1 you spend on Korean Air ticket purchases
  • 2 Miles for every net eligible $1 you spend on Airline Tickets, Car Rental and Hotels
  • 1 Miles for every $1 you spend on all other eligible net purchases
  • $100 Off coupon for Korean Air ticket purchase each year
  • TSA Pre?? or Global Entry application fee statement credit
  • Redeem miles for award travel and upgrades on Korean Air and SkyTeam partners

Is Korean Air SKYPASS Select Visa Signature worth it?

Korean Air SKYPASS Select Visa Signature is a solid card for regular Korean Air travelers. Cardholders earn 30,000 SKYPASS Bonus Miles after you spend $3,000 within first 90 days and 2 miles for every $1 you spend in eligible net purchases. The annual fee is $450, but on the other hand you get a $200 annual statement credit on travel purchases, a $100 off coupon for a Korean Air ticket purchase each year, and a 30,000 point sign up bonus worth enough to get you a roundtrip flight from South Korea to Japan. If you fly Korean Air a lot, this card may be for you.

Pros

  • SkyTeam transfer partners include Aeromexico, Air France, China Airlines, Delta Air Lines, and more than 5 more.
  • Earn 30,000 SKYPASS Bonus Miles after you spend $3,000 within first 90 days
  • Earn 2 miles for every $1 you spend on Korean Air ticket purchases
  • No foreign transaction fee

Cons

  • $450 annual fee
  • SKYPASS miles cannot be used in combination with cash to book Korean Air flights: the flight must be booked entirely with miles or cash

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance FeeEither 4% of the amount of each advance or $5 minimum, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with Korean Air SKYPASS Select Visa Signature

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Iberia Visa Signature Card Review

Iberia Visa Signature Card

Rating: 5 Stars

Bottom Line:
Avios Bonus for Iberia Travelers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:17.74% – 24.74% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:Earn 3 Avios for every $1 spent on flight purchases with Iberia, British Airways, and Aer Lingus

Earn 2 Avios for every $1 spent on hotel accommodations and 1 Avios for every $1 spent on all other purchases

Earn 1 Avios for every $1 spent on all other purchases
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:$95
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 total on purchases within your first year of account opening
  • Use your Iberia Visa Signature Card to book your flight on iberia.com/Chase10, and you will receive a 10% discount
  • Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card
  • Earn 3 Avios for every $1 spent on flight purchases with Iberia, British Airways, and Aer Lingus
  • Earn 2 Avios for every $1 spent on hotel accommodations and 1 Avios for every $1 spent on all other purchases
  • Earn 1 Avios for every $1 spent on all other purchases

Is Iberia Visa Signature Card worth it?

Iberia Visa Signature Card is a great card for Iberia travelers. Cardholders earn 3 Avios for every $1 spent on Iberia purchases. The sign up bonus is big: earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 total on purchases within your first year of account opening. Transfer partners include Aer Lingus, as well as airlines in the Oneworld alliance, for example American Airlines, British Airways, LATAM, and more than 5 more. Please note that there are high fuel surcharges on some of these award flights, including on British Airways and Malaysia Airlines.

Pros

  • Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 total on purchases within your first year of account opening
  • Earn 3 Avios for every $1 spent on Iberia purchases

Cons

  • Earn 2 Avios for every $1 spent on hotel accommodations and 1 Avios for every $1 spent on all other purchases
  • No foreign transaction fee

Why 5 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with Iberia Visa Signature Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Fidelity Rewards Visa Signature Review

Fidelity-Rewards-Visa-Signature-Card

Rating: 5 Stars

Bottom Line:
Unlimited Flat-Rate Cash Back for Fidelity Customers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:15.74% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:Unlimited 2% cash back; you earn Reward Points that are deposited into a Fidelity account as cash back
Credit Needed:(740 – 850) Excellent
Annual Fee:None
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Unlimited 2% cash back
  • Every eligible net $1 spent equals 2 Reward Points
  • No limits on total Reward Points and no restrictive categories
  • Reward Points will not expire
  • Your Fidelity Rewards Visa Signature Card is Digital Wallet-enabled for: Apple Pay, Google Pay, and Samsung Pay
  • Deposit your rewards into one account or divide them among several. You can even use your rewards to fund a loved one’s account. Choose from up to eligible accounts, including a Brokerage account, Fidelity Cash Management Account, Fidelity-managed 529 College Savings plan, Retirement account, Fidelity Go account, Fidelity Charitable Giving Account, Fidelity HSA
  • The Fidelity Rewards Visa Signature Card has no Reward Points caps, expirations, or restrictive categories
  • No annual fee

Is Fidelity Rewards Visa Signature worth it?

Fidelity Rewards Visa Signature is a great card for Fidelity account holders who would like simple, unlimited 2% cash back on all purchases. To get the 2% cash back rate, you must open a Fidelity account – for example a retirement or 529 college savings account – before you apply for the card. The rewards are deposited into one or more of your Fidelity accounts.

Pros

  • No annual fee
  • Unlimited 2% cash back: Every eligible net $1 spent equals 2 Reward Points
  • Fidelity allows you to split your cash back rewards deposit across multiple accounts. Usually this would take an extra step with another credit card.
  • No penalty APR

Cons

  • No signup bonus
  • To earn the 2% rewards rate, you’ll have to open an account, like a retirement account or 529 college savings account, before you apply for Fidelity Rewards Visa Signature, or you can use an existing Fidelity account you own.

Why 5 Stars?

Regular APR


5 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance FeeEither 3% of the amount of each advance or $5 minimum, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with Fidelity Rewards Visa Signature

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

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Best Credit Cards for Excellent Credit
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