points

When it comes to traveling, you're leaving money on the table if you aren't preparing for it with a solid credit card strategy. That goes double if you are someone who has to travel for work. It's also true if you regularly buy things for work that end up being reimbursed. So,let's talk about how you can get closer to your next travel destination every time you swipe that card.

The Chase Family of Cards

Hard to beat double points on most things. Although Triple points is pretty great...

Chase has several credit cards that all give out Chase Points. Which card you should choose depends on your financial situation and how much money you spend on a credit card generally. We'll start with the cards that have no annual fee, but lower rewards. Taking it from the bottom to the top:

Chase Freedom

You have two versions of this card, the Chase Freedom and the Chase Freedom Unlimited.. The Freedom card gives you 5% back in Chase points, up to $1500 each quarter. This is a good deal, however, the points are allocated to a different category every month. So, for April-June, points go to grocery stores. It's a bit of a game but pays off. The Unlimited card pays you back 1.5% on every purchase, and doesn't have the $1,500 limit. So choose which game you want to play.

Chase Sapphire: Preferred

This is a solid choice since it gives you 2 points every time you spend money on travel or dining. Travel covering: Plane tickets, train tickets, subway cards, hotels and tours. Dining is everything from a 5 star restaurant to Mcdonald's. It has a bonus of 50,000 bonus points (which is worth at least $500) when you spend $4,000 on it in the first 3 months of the account being open. It also has no annual fee for the first year, (it's$95 after that).

Chase Sapphire Reserve

This is Chase's highest end card. It offers 3 points for every dollar you spend on travel and also comes with a 50k bonus after spending 4k in the first 3 months. It also comes with a $300 annual travel credit you can apply to any trip you take. Plus it pays for Global Entry or TSA Precheck which if you ever travel, really at all, is a huge time saver. However, this has a $450 annual fee and is not waived for the first year. So, if you are going to fly at least 2-3 times a year this is probably worth it. If you travel only once a year, it is probably not.

Chase Ink Preferred

This also offers you 3 points for every dollar you spend on travel plus for any dollar you spend on internet and phone service. This card offers 80k bonus points if you spend 5k on purchases in the first 3 months. It also only has an $95 annual fee. The big however on this card is it can only be used by 'businesses,' so, you need to have a business, or be able to convince Chase that you have a business.

The Citi ThankYou Point Cards

Worry not, Linda Walker will get all of the points.

Citi also has a variety of cards depending on your budget and how much you end up swiping in a given month.

Citi ThankYou Preferred Card

You receive 2 ThankYou points for every dollar you spend on dining and entertainment. That's both dinner and a movie. (Yes, someone probably made that exact pitch in a meeting.) Plus you get 1x on everything else. It has the big benefit of having no annual fee and an APR (how much they charge you to hold a balance month to month) of 0% for the first 15 months. Which is great if you aren't starting a job for a while, or looking for a job.

Citi ThankYou Premier Card

This has 3x on all travel including gas stations. The same 2x for dining out and entertainment and 1x on everything else. Plus a solid sign up bonus of 50k ThankYou points after you spend $4k in the first 3 months. The annual fee is only $95 and waived the first year.

Citi Prestige Card

This is their high end card. This has all the same benefits as the card above, except not gas stations apparently people with this card don't pump their own gas. It also doesn't have a signing bonus currently. The big perk this card has is a complimentary 4th night free in a hotel when you book through their service. If you are someone who spends business time or vacation time in hotels, this can be a gigantic savings.

The American Express Cards

Who is this Greek Hero? Can he get me a cheap flight?

This is probably the oldest and most trusted rewards program out there. In fact, many of their competitors are slightly better only because they are attempting to steal people away from these programs.

The Starwood Preferred Guest Card

This is the go- to card for consultants and sales people who spend far too much time in hotels. You get 2x Starpoints for every dollar you spend at Starwood hotels. Occasionally they run promotions and this can end up being 5x for every dollar. To be clear that is a pretty narrow slice of the world but if you travel regularly for work this adds up quickly. Also to be clear Starpoints are way more valuable than most of the other points. The big use is for getting free hotel rooms around the world at a lower rate than any other program. So, if you stay at hotels in say Chicago all the time for work and want to stay at hotels in Paris for vacation this is the way to go. Only a $95 annual fee after the first year waived.

Blue Delta SkyMiles American Express

This is also a go-to card for people who fly a lot for work. Instead of getting points through American Express, you get miles with Delta that can be exchanged for flights with Delta. This comes with 2x Delta miles if you are at a restaurant, and no annual fee. Also a solid 10k bonus miles when you spend only $500 in the first 3 months.

Premier Rewards Gold Card

This is the American Express that you probably think about if you have an image of one in your head. It's gold and has a Gladiator head design on it. This gives you 3x points for flights you book with the airline. 2x points at restaurants, gas stations and supermarkets. Plus $100 airline fee credit. You know how now all airline tickets charge extra for everything including bag fees and sometimes peanuts? This can offset up to $100 of that. Also gives 25k points when you spend just 2k in the first 3 months. It's annual fee of $195 is a bit steep but is waived for the first year.

The big thing to remember when you're making a decision on which credit card to use is how much money do you spend and where do you spend it? It's no good to get $400 in travel rewards if you need to pay a $500 annual fee to get them. At the same time an additional $95 in annual fee could get you hundreds more dollars in rewards. So take a minute and look at how much money you spend on your credit cards now. Regardless of the answer there is a card out their that can get you to your next vacation faster. Happy and safe travels!

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Do you ever look at your credit card statement and laugh at how often you spend money at the same four or five places? I definitely do. I have my favorite spots that are part of my daily routine and I'm always trying to think of ways to make my money go further, but I'm not willing to give up those purchases that are a normal part of my week. So rather than skip my morning coffee to save a buck, I use Drop.

Drop is an app that lets you earn points when you shop at your favorite stores. All you have to do is link your credit or debit card. Once you sync with Drop, you then select your five favorite stores. Then, any time you use your card at one of those five stores, you earn points that can be redeemed in the form of gift cards. It's literally that simple.

For me, there were almost too many options to choose from when selecting my five stores. There was Dunkin' Donuts, which was a no brainer since I need my coffee every day. Then there was Uber, which I always end up taking even when it's not in my budget. And of course I had to include Seamless, because I'm never in the mood to cook when I get home from work. To round it out, I chose Chipotle, my go-to lunch spot, and Target, which is where I go for everything else.

All I had to do to start earning points was go about my normal life and I saw the points start to roll in with each purchase. I knew I was spending a good amount of money at those five stores, but I had no idea how easy it would be to start getting rewards points. And if I want to earn even more points, Drop is constantly sending me additional offers from other brands that I love, like BirchBox and Boxed.com, so I don't just have to rely on my five main stores. Since I started with Drop two months ago, I've already used 10,000 points to get a $10 gift card at Amazon. It's that easy!

With Drop, I see all the deals available to me in the app and I can keep track of them in one convenient location. I've been trying to tell as many of my friends as possible to try Drop because there's zero downside and it takes almost no effort at all to earn points. I can't imagine I'll ever stop using it. It's literally the easiest way I've ever earned rewards points. I even get offers for new deals to earn more points at other places like Amazon and Barnes & Noble. Since signing up with Drop, I know I'm getting getting the best bang for my buck.

This content was brought to you by GeistM: Performance Driven Marketing At Scale. To learn more about GeistM and how we can power your content marketing strategy, follow this link and give us a shout. We're friendly and we're social!


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Today, more than ever, it seems travel has become an important part of our culture, whether you're traveling for work, taking advantage of your vacation time or simply following your wanderlust dreams. If you aren't living that trust fund lifestyle, but are still trying to live up to your globetrotting potential, then you may quickly find that money is a big determining factor in where and how often you can get away. The good news for all you jet-setters out there is that there are a lot of credit cards with benefits and rewards that can help you maximize every dollar spent towards travel. These are the top credit cards for world travelers.

Capital One Venture Rewards Credit Card

  • Earn 40,000 miles after spending $3000 in the first 3 months of account opening (equivalent to $400 towards travel)
  • 2x miles on every purchase and 2x miles on dining in the US
  • No foreign transaction fees
  • $0 introductory fee for the first year, then $59 after tha

Chase Sapphire Preferred Credit Card

  • Earn 50,000 points after spending $4000 in the first 3 months of account opening (equivalent to $625 towards travel)
  • 2x points on travel including airfare, transportation, and hotels and 2x points on dining worldwide
  • No foreign transaction fees
  • $0 introductory fee for the first year, then $95 after that

Premier Rewards Gold Card from American Express

  • Earn 25,000 points after spending $2000 in the first 3 months of account opening
  • 3x points for airfare purchases, 2x points for restaurants, gas stations and supermarkets, and 1x points on all other purchases
  • $100 airline fee credit for incidental fees each calendar year
  • No foreign transaction fees
  • $0 introductory fee for first year, then $195 after that

Southwest Rapid Rewards Credit Card

  • Earn 40,000 points after spending $1000 in the first 3 months of account opening
  • 2x points for Southwest purchases and on purchases with Rapid Rewards hotel and car rental partners, and 1x points on all other purchases
  • 3,000 bonus points as a Special Anniversary Gift
  • Southwest perks- 2 free checked bags; no blackout dates or seat restrictions
  • $69 annual fee

United Mileage Plus Explorer Card

  • Earn 50,000 bonus miles after spending $3000 on purchases in the first 3 months of account opening
  • 2x miles for airfare purchased through United, 1x miles on all other purchases and other opportunities for bonus miles
  • United perks- free first checked bag, priority boarding and lost luggage reimbursement
  • No foreign transaction fees
  • $95 annual fee

Barclaycard Arrival Plus World Elite Mastercard

  • Earn 50,000 bonus miles after spending $3000 on purchases in the first 3 months of account opening
  • Earn 2x miles on all purchases and get 5% miles back every time you redeem
  • 0% introductory APR for first 12 months
  • No foreign transaction fees
  • $0 fee for the first year, then $89 annual fee after that

British Airways Visa Signature Card

  • Earn 50,000 Avios points after spending $3000 on purchases in the first 3 months with opportunities to earn additional bonus points during the first year of account opening
  • Earn 3x Avios points on British Airways purchases and 1x Avios points on all other purchases
  • Automatically enrolled in the Executive Club for new card members
  • No foreign transaction fees
  • $95 annual fee