There are a number of credit cards that allow you to use the accumulated points to pay for your purchases at Amazon. One such credit card is the credit card issued by Amazon called Amazon Rewards Visa Signature card. The accumulated points in Amazon Rewards Visa Signature card can be used to pay for the entire or partial amount of your Amazon purchases.
Every 100 points that you have collected on the Amazon Rewards Visa Signature card is equivalent to $1. During checkout, you can select a number of points that you want to redeem. After the points have been applied to the order, you will be able to see the discounted total. The points can be used to pay for any physical goods purchased on Amazon. It cannot be used to purchase items like e-books from Amazon Kindle, digital music, videos, apps and items at AmazonFresh or pre-order an item that is not yet available for sale on Amazon.
If you don’t want to spend your points on Amazon, you can exchange them for a number of rewards such as cash, check, gift card and discount on travel purchases. Amazon Rewards Visa Signature credit card allows you to earn 2x points on selected categories including gas, dining, pharmacy and office supply. All other purchases that are made on the Amazon Rewards Visa Signature credit card can earn you 1x point. When you first sign up for the card, you will receive a $40 gift card as a sign up bonus. In addition, you can redeem a $25 gift certificate when you have spent a minimum of $833.
There are a few American Express credit cards that offer a membership rewards program that allows cardholders to accumulate points that are usable for paying your shopping expenses at Amazon. Each point that you have accumulated via the American Express membership rewards program is worth about 0.7 cents when you want to spend it at Amazon online store.
Some credit cards issued by Citibank offer the Citi ThankYou Rewards program that allows cardholders to earn points that can be used to redeem for 0.80 cents on each point. There are several credit cards issued by Discover that allow you to use the points to redeem discount from Amazon purchases. Each point is worth $1 in eligible Discover credit cards on Amazon.
Before you can use your points on Amazon shopping, you must first add your credit card. If the card that you add allows you to use the points on Amazon, you will see the points appearing on the checkout page as a payment option. If you don’t have enough points, you can use your credit card to pay the remaining balance.
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Lots of travel rewards credit cards offers sign up bonuses for customers who meet the requirement of spending a few thousands dollars within a certain period. The following are a few travel credit cards currently offering sign up bonuses in 2017.
1. Chase Sapphire Preferred Card
Chase Sapphire Preferred Card is offering 50,000 points sign up bonus when you spend a minimum of $4,000 within a period of 90 days. The 50,000 points can be redeemed for airfare or hotel voucher worth $625. It is worth $500 if you prefer to redeem it in cash. Chase Sapphire Preferred offers 2x points for spending on travel such as hotel accomodation, air fare and dining.
2. Barclaycard Arrival Plus World Elite Mastercard
Barclaycard Arrival Plus World Elite Mastercard offers 50,000 bonus miles for a minimum spending of $3,000 in $90 days. Every 10,000 bonus miles that is collected in the past 120 days is equivalent to $100 travel statement credit. So, the 50,000 sign up bonus miles can be exchanged for a statement credit worth $500. The bonus miles won’t expire and can be redeemed at any time. The card allows you to earn 2x bonus miles on all categories of purchases.
3. Mariott Rewards Premier Credit Card
Mariott Rewards Premier Credit Card rewards customers with 80,000 bonus points for a minimum spending of $3,000 in 3 months. You can claim an additional 7,500 bonus points after adding one authorized user to the card. Card holders are entitled to a free night stay at one of the hotels listed in the Category 1 – 5 hotel approved list on every anniversary of the account. You earn 5x points when you swipe your card at Mariott and SPG hotels. It offers 2x points when you use the card to purchase the air ticket, car rental, and restaurant.
4. Capital One Venture Card
Capital One Venture will credit 40,000 bonus miles into your account if your credit card statement for the first 3 months total up to $3,000. All purchases are qualified to earn 2x miles for each dollar that you spend. Another version is the Capital One VentureOne Rewards card with easier requirement to get to bonus miles. In Capital One VentureOne Rewards card, you will get 20,000 bonus miles for a minimum spending of $1,000.
5. Bank Americard Travel Rewards Card
Bank Americard Travel Rewards card comes with a 20,000 signup bonus miles with a minimum $1,000 purchases requirement in 90 days. Bank Americard Travel Rewards credit card is listed as the Best Travel Rewards credit card. With 20,000 bonus points, you can redeem a $200 statement credit. Customers with an active account with Bank of American can get an additional 10% discount on their purchases. You earn 1.5 points for per dollar spent on the card.
American Express is a credit card company well known for its high customer service standard. There are several Amex travel cards that come with great perks for customers who frequently travel to Europe. The following are the top 3 American Express travel rewards cards.
1. Platinum Delta Skymiles
Platinum Delta Skymiles is the best American Express travel card because it offers a lot of rewards and bonuses. Even though it has an expensive annual fee, the rewards and bonuses you earn will cover up the annual fee expenses. It offers 2x Skymiles everytime you buy your air ticket with Delta Airlines. When you spend a minimum of $1,000, you are eligible to earn 5,000 MQMs and 35,000 bonus miles.
If you manage to spend $25,000 in a year you will get rewarded with 10,000 MQMs, and 10,000 bonus miles. You will receive a companion certificate after you renew your card. The annual companion certificate offers a free seat on a domestic flight that is in economy class. The card’s annual fee is $195 and the balance transfer fee is 3%. Platinum Delta Skymiles card offers a 20% discount on in-flight expenses, and free checked baggage. Platinum Delta Skymiles does not have any foreign transaction fee.
2. Hilton Hhonors Card
You can apply Hilton Hhonors Card as a supplemental card to earn rewards points if you regularly stay at a Hilton hotels. It offers 6x Hhonors bonus points for per dollar spent on the Hilton hotels worldwide. To qualify for earning the 6x points, the Hilton hotel property must be in the approved list. The card will also offer rewards when you use it for everyday purchases such as grocery, drug stores and pumping gas. The rest of the purchases will be rewarded with 2 Hhonors bonus points.
The card provides a signup bonus of 40,000 Hilton Hhonors Bonus Points when you have spent a minimum of $1,000 within four months. Each point you earn is worth about $0.50. The advantage of Hilton Hhonors card is that it does not charge any annual fee. It automatically grant the card holders the Hhonors Silver status. Overall, Hilton Hhonors card offers long term values for customers.
3. Starwood Preferred Guest Credit Card
Starwood Preferred Guest credit card rewards customers with 5x points when they stay at a SPG and 2x points if they stay at a Marriott Rewards hotels. The card also offer a basic 1x point when you use it on other purchases. The value of the reward point is 2.3 cents which is much higher compared to other card’s reward programs which usually only worth 1 cent per point.
The rewards points that your earn through the Starwood Preferred Guest credit card can be transferred to a frequent flier program. Doing so allows you to enjoy discount when you book your air ticket with one of the 30 airlines in the list. You will get a bonus 5,000 Starpoints for every 20,000 Starwood points that you earn.
Chase Slate is a popular balance transfer card for many people who owe a lot of credit card debts because of the long zero percent intro APR period that expires in 15 months. The 15 months intro APR period can save you a lot of money on interest fees while you are industriously paying back your credit card debt. For example, if you owe $7,500 on your credit card and the interest fee is 20%, which means you have to pay back $150 in interest every month. If you get your balance transferred to Chase Slate, you no longer have to pay back the $150 interest every month.
You have 60 days to transfer your credit card debt to the Chase Slate card in order to take advantage of the $0 balance fee. If you forget to transfer the balance in 60 days, you will have to pay a 5% fee on the balance that you transfer. There is a limit on how much you can transfer on the Chase Slate balance transfer card. Basically, you can’t transfer more than $15,000 onto the Chase Slate balance transfer card. Besides, you are not allowed to transfer debt you borrow from the Chase bank.
When you login into your Chase Slate account, you will get access to the Blueprint program for planning your debt. With the Blueprint program, you will be able to track your repayment. It has a statistic program called Track It that allows you to track the spending history and trends. Chase Slate card comes with several perks such as price protection, purchase protection and extended warranty.
The Chase Slate balance transfer credit card can be used for paying your credit card debts as well as other types of debts such as medical fees that you owe, and utility bills. If you don’t want to get charged with interest, you must be disciplined and make plans on how you can pay back all the debts that you transfer in full before the 15 months period expire. The variable APR that the credit card company will charge you following the 15 months is in the range of 13.24% -23.24%.
The price protection allows you to get refund of the difference if the seller lower the price of the same item you bought in 90 days. The price protection only offer protection for item that has a value of up to $500. The maximum cap for the price protection is up to $2,400 annually.
The purchase protection offers a coverage of up to $500 per item and not exceed more than $50,000 per account. With the purchase protection, you get refund in case the items you purchase is damaged and did not arrive at your address safely. The extended warranty extends the warranty protection of the item you purchase by three more years.
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Zero percent credit cards means you don’t have to pay interest fees on purchases and balance transfers during a promotion period. This can help you save money as you will be paying lesser bill without the interest charges. There are several credit cards offering a long intro period that lasts until 2017 or even 2018 on both purchases and balance transfers. The following are the top 3 credit cards which you can apply to enjoy zero percent interest until 2017.
1. Citi Simplicity
Citi Simplicity is offering one of the longest 0% APR intro period that lasts for as long as 21 months for both purchases and balance transfers. This means that you will pay no interest on your credit card balance well into 2018. After the 21 months comes to an end, you will be assigned an APR rate that ranges in between 13.24% – 23.24% and the APR rate will be determined by your credit score. There is a 3% ($5) balance transfer fee. You can choose to pay your credit card bill at a due date that is in the early, middle or late in the month. You get to enjoy extended warranty on everything you purchase with the card and no liability to any unauthorized charges that occur on your account.
2. Citi Diamond Preferred
Citi Diamond Preferred also offers 0% APR for up to 21 months on both purchases and balance transfer. The variable APR rate that is charged onto your account at the end of the introductory period is lower compared to the previous card and ranges from 12.24% – 22.24%. You must pay a balance transfer fee of 3% ($5) everytime you transfer the balance. The advantage of this card is that you automatically become qualified for Citi Private Pass, which gives you free entrances to concerts, sports events and movie previews. It offers damage and theft purchase protection for up to 120 days in addition to the extended warranty and $0 liability on unauthorized charges. The card offers 24/7 personal concierge service to provide assistance on all kinds of needs.
3. Chase Slate
Chase Slate don’t requires you to pay any APR interest fee for the first 15 months. However, you will get charged with a variable interest rate of between 13.24% – 223.24% afterwards. You can save money on the balance transfer fee if you quickly have your balance transferred in the first 60 days. It does not have any annual fee or penalty APR rate. Chase Slate has been voted as the best card for balance transfer for 4 consecutive years at InnovativeFinance. The card offers fraud, purchase and price protection. It has an embedded chip that will automatically generate a one time code for you to give permission for the transaction to go through.
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If you regularly visit Australia, you should get a credit card that offer rewards points that you can use for discount for your trip. The following are a few credit cards that offer the best travel points in Australia.
1. Virgin Money Virgin Australia Velocity High Flyer Card
The card rewards cardholders with 1 point per dollar spent for the first $10,000 you spent and 0.5 points per dollar afterwards. You need 7,800 points which is equivalent to spending $7,800 on the card to exchange for a Virgin Australia Syd-Mel air ticket. The points will never expire and you can redeem them through Velocity. The maximum amount of points you can earn is 30,000 bonus points. You only have to pay half the annual fee in the first year. The card can also be used for balance transfer as it offers 0% APR for the first 6 months.
2. American Express Platinum Edge Credit Card
The card allows you to earn unlimited 1 point per dollar spent. You can redeem the Syd-Mel flight ticket once you have spent $7,800. You can earn 3 points per dollar spent for supermarket categories and 2 points per dollar spent at petrol station. Other types of purchases like insurance, and telecommunications will qualify you to earn 0.5 points per dollar spent. The points that you have accumulated on the card can be transferred to 8 different airline programs. It offers a complimentary domestic return flight ticket to a list of random destinations every year. The card has an expensive annual fee of $195.
3. HSBC Platinum Qantas Credit Card
The card allows you to earn one point on every dollar spent for up to $2,500 and afterwards you will earn 0.5 points per dollar. You must spend a minimum of $8.000 to redeem the Syd-Mel flight ticket. You can redeem the points you earn through the Qantas Frequent Flyer program. It offers 55 interest free days for purchases and 6 months intro period for balance transfers. Those who apply for the card before the 31st August 2016 will get to earn 40,000 Qantas points.
4. ANZ Rewards Travel Adventures Card
This is an American Express and Visa companion card that allows you to earn points from the ANZ Rewards program. The card is for people who frequently travel to Australia. It offers a complimentary Virgin Australia return flight ticket for those who have spent $500 on the card within 3 months. You are entitled to receive 2 Virgin Australia lounge passes every year up until the time when the card is terminated. It does not charge any foreign transaction fee. The annual fee for the card is $225 which is quite expensive.
Many credit cards that are available in the market are either Visa or MasterCard. You may be wondering what are the differences between Visa and MasterCard since they look just the same. Visa card is accepted at 200 countries worldwide while MasterCard is accepted at 210 countries around the world. Most merchants will accept both Visa and MasterCard for the purchases. It is very rare than a merchant will accept one card brand and not the other.
You must understand that neither Visa nor MasterCard is a company that issues credit cards. Rather, it is the credit card companies and banks that issue their own collection of Visa or MasterCard. The features of the credit cards are determined by the credit card company that issue them. Both brands of credit cards offers free car insurance, and protection against fraud transactions.
One of the differences is that Visa card offers 2 levels of benefits while MasterCard offers three levels of benefits. Visa base level cards include benefits such as auto insurance coverage, extended warranties, and unauthorized charges on credit cards. Visa signature cards offers discounts for selected shopping categories and it comes with a 24/7 concierge service that you can use for getting anything that you don’t have time done.
MasterCard base package also come with the same perks included in Visa base such as collision insurance and fraud transaction charges coverage. One thing that MasterCard offer that visa card don’t is the price protection. MasterCard base level credit cards promises to cover the difference if the price of the product you purchase drops within a period of 60 days. Even though visa card itself does not offer price protection, some credit card companies included this feature themselves to encourage people to sign up.
MasterCard World card offers additional features such as personal travel adviser that works like a travel concierge. It offers 120 days price protection and free upgrades for your hotel accommodations when you travel overseas. MasterCard World Elite allows you to enjoy discounts at selected car rental companies, cruises and airlines.
Generally, the differences between MasterCard and Visa cards are not important. What matters most is the interest rate and perks that are included in the card. The perks are often in the form of cash back and rewards points. Many cards also offer sign up bonuses that can reward you with a substantial amount of rewards point when you spend the minimum amount. There are a few major credit card companies including Chase, and Bank of America. It is important that you always make use of the online credit card search engines and read credit card reviews articles to compare between different cards. In this way, you will be able to sign up for the right card that benefit you most.
It depends on your credit card company regarding when they will report your late payment to the credit bureau. Some credit card companies will report your late payment even if you are less than 30 days late while others will submit a report to the credit bureau when you are 60 days late.
If the credit card company report late payment that is 60 days late, it means that you won’t suffer any impact if you are 30 days late. This issue is up to the discretion of the credit card company since they will be looking into many factors. For example, they will take a look at your payment history prior to making the decision to inform the credit bureau.
Late payment for at least 30 days can cost you at least 60 points. You must keep in mind that you are considered 60 days late if you make the payment anywhere in between 31 – 60 days late. Usually, the credit card company will report a late payment when no payment is made on the next due date. It is very rare that a credit card company will report a late payment just after the due date is passed for example 2 – 3 weeks after the first due date.
You should always let your credit card company know if you are facing a difficult situation that prevents you from being able to clear the payment promptly. Your credit card issue may be understanding and help you arrange for an easier repayment plan if you contact them about your financial difficulties. If you are only late in making payment once or twice, your credit score will not suffer serious impacts.
If you are regularly late in making payment, your credit score can take a big hit. This is because the credit card issuer will see this as a red flag that you are an unreliable borrower. Besides, you will also have to face with many other extra fees such a late fee and increased interest rates. Paying late is the reason why many people have decided to neglect their accounts and stop making repayment so that their debts get reported to the debt collection agency. If you get reported to the debt collection agency, the record will stay on your credit report for 7 years.
Therefore, it is important that you keep the spending level to only 25 – 20% of the credit line. You should try to use cash to pay for most of your items and only use your credit cards when necessary. If you spend a lot of money on your credit card, it can be harder to repay the outstanding debt so it is the best practice to keep it to a minimum spending.
Discover It credit card is very popular among consumers who want to have the chance of earning cash back when they spend money with their credit cards. The main benefit of using the Discover It card is that it is offering up to 5% cash back bonus on quarterly categories. The quarterly categories will rotate from time to time. For example, you can earn 5% cash back on Amazon purchases in between the period of October to December.
If you make a purchase outside of the quarterly categories, you will get to earn 1% cash back bonus. The 1% cash back bonus will apply is an unlimited cash back bonus which means that you still earn the cash back even after your spending exceed $1,500.
Discover It will also double the amount of cash back you earn during the first 12 months. For example, if you earn $150 in the first 12 months, you will get $150 credited into your account in the next year. You will get the exact amount of cash back depending on how much money you have spent on the card.
The best thing about Discover It is that it does not charge any annual fee. However, if you want to use the card for balance transfer, you have to pay 3% of the transferred amount. You won’t get charged with any late payment fee if you miss payment for the first time. But, if you miss payment for the second time, you will b charged with a $35 fee. It also does not have any foreign transaction fee so you don’t have to pay extra if you use the card to do your shopping when traveling overseas.
You can earn a cash back bonus of between 15% – 20% if you use your Discover It card to shop at the ShopDiscover online shopping portal. There are more than 200 online retailers listed at the ShopDiscover portal. Some of the popular online retailers at ShopDiscover are Walmart. There are plenty of travel deals in this portal that you can sign up to get qualified for cash back rewards.
You have the option of redeeming the cash back rewards by exchanging with cash or use your points to exchange for a partner gift card. If you choose to redeem the partner gift card, you may be able to double the amount of cash back rewards that you receive. The partner gift card is eligible to be used at a variety of online retailers such as Macy’s. If you want, you can donate the cash back rewards you earn to a charity
Discover It card’s rewards program has loose requirements compared to other cards. For example, the minimum redemption requirement for the partner gift card is $20. There is no minimum amount requirement if you use your cash back rewards points to redeem a statement credit.
Costco Visa credit card does not have any annual fee charges but you have to sign up for their paid memberships. Costco Visa allows you to earn 4% cash back on the gas you purchase worldwide at Costco store for up to $7,000 in the first year. After that, you will earn 1% cash back on the gas purchases. The 4% rewards bonus is not applicable if you purchase the gas at other supermarket stores and wholesale stores.
You will get to earn 3% cash back when you use the card to shop at a restaurant in another country during your travel. The card let you earn 2% rewards when you shop at the local Costco stores or online Costco store. You will get a 1% cash back on other types of purchases.
Besides, the card also offer free car rental and travel accident insurance. The card offers purchase protection in case you are not satisfied with the product you purchase and wants a refund. You will have to contact the credit card company on your faulty purchase within a period of 120 days. If you are living in New York, you must call the credit card company and tell them you want a refund within 90 days.
They will send you a cash back coupon that is equivalent to the value of the rewards points you have accumulated. You will receive this coupon in the month of February every year. The coupon can be used to purchases any product at the Costco supermarket. If you don’t want to use the coupon to exchange for products, you can ask the representative at the Costco customer service desk to give you cash for the voucher. It is also possible to redeem the partial value of the voucher in cash at the cash register at Costco.
If you already have an American Express Costco card, there is no need to apply for the card because they will send you the new Citi card. You can expect to receive the new card in May of 2016. In the meantime, you can continue to use your American Express card until the 19th of June. You will be able to start using the new Citi card on the 20th of June. The cash back rewards that you have earned from the American Express card will automatically be transferred to the Citi card.
The Costco Anywhere Visa credit card is much better compared to the American Express Costco card. In the American Express Costco card, you only get 3% bonus rewards for the first $4,000 you spend and only 2% rewards on your traveling expenses and the restaurant you dine within the USA. The Costco Anywhere allows you earn an additional 1% in the rewards compared to the American Express Costco card.
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