CardBenefit – CardBenefit https://www.cardbenefit.com Compare and Apply for Best Credit Cards at CardBenefit Thu, 16 Jan 2025 20:26:23 +0000 en-US hourly 1 First Tech Federal Credit Union Banking Offers https://www.cardbenefit.com/first-tech-federal-credit-union-banking-offers/ https://www.cardbenefit.com/first-tech-federal-credit-union-banking-offers/#respond Tue, 31 Dec 2024 00:10:42 +0000 https://www.cardbenefit.com/?p=20814 First Tech Federal Credit Union offers $300 on rewards checking after you set up a direct deposit for three consecutive months. You can earn up to 3.50% APY on savings. It also offers 4.75% APY on its promotional 6-month certificate.

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First Tech Federal Credit Union is a federally chartered credit union that has over 620,000 members. Its membership is opened to include employees in technology industries. It has over 12 billion dollars in assets with 41 branches located mostly in high technology business centers of California, Colorado, Oregon, Washington, Idaho, Massachusetts, Georgia, Texas.

  • Set up a direct deposit for three consecutive months, and you'll earn up to $300 bonus.
  • Earn up to 3.50% Annual Percentage Yield (APY)* with your First Tech Rewards Checking® and First Tech Rewards Savings® accounts.
  • Dividends will be compounded monthly and will be credited monthly
  • Earn more rewards with the First Tech Rewards Checking and Savings
  • First Tech Federal Credit Union is federally insured by the National Credit Union Administration (NCUA)
  • Promotional 6-Month Certificate Offer: Earn 4.60% Annual Percentage Yield (APY)* effective 01/03/2025
  • New Money Offer: Get one of the highest rates in the country
  • A minimum opening balance of $500
  • Competitive savings rates
  • Your certificate dividends compound every month
  • Your certificate will automatically rollover when certificate reaches maturity with a 10-day grace period
  • First Tech Federal Credit Union is federally insured by the National Credit Union Administration (NCUA)

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Western Alliance Bank https://www.cardbenefit.com/western-alliance-bank/ https://www.cardbenefit.com/western-alliance-bank/#respond Sat, 28 Dec 2024 01:47:37 +0000 https://www.cardbenefit.com/?p=20813 Western Alliance Bank offers 4.50% APY on its High Yield Savings, which is 10.7x higher than national average. Excellent rates with no fees. Interest will be compounded daily and credited on the last calendar day of each month. $1 minimum deposit. FDIC insured.

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Western Alliance Bank was founded in 1994 and is headquartered in Phoenix, Arizona, with more than $80 billion in assets. Western Alliance Bank operates over 30 branch locations and commercial banking offices in Arizona, California, and Nevada. It offers various banking products and related services, including checking, savings, and money market accounts, as well as fixed-rate and fixed maturity certificates of deposit accounts.

  • Open a Western Alliance Bank Savings Account and get 4.40% APY* - that's 10.5x higher than national average!
  • Excellent rates with NO fees.
  • Interest will be compounded daily and credited on the last calendar day of each month.
  • FDIC insured. $1 minimum deposit. 24/7 online access.
  • Special opportunity for consumers to save with the nation's top commercial bank.

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Quontic Bank https://www.cardbenefit.com/quontic-bank/ https://www.cardbenefit.com/quontic-bank/#respond Sat, 28 Dec 2024 01:08:53 +0000 https://www.cardbenefit.com/?p=20812 Quontic Bank offers 4.75% APY on its Money Market Account. No monthly or overdraft fees. $100 minimum opening deposit. Your money is FDIC insured to the maximum legal limits and includes advanced security monitoring.

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Quontic Bank is a U.S.-based digital bank headquartered in Astoria, New York City. Quontic offers personal checking, savings and certificate of deposits accounts as well as a variety of mortgage loan products.

  • Earn 4.75% Annual Percentage Yield with a Quontic Money Market Account
  • Let our highest yield savings account do all of the work.
  • Open an account online in just 3 minutes and with only $100 opening deposit.
  • No Monthly or Overdraft Fees
  • Limit of 6 withdrawals per statement cycle.
  • Your money is FDIC insured to the maximum legal limits and includes advanced security monitoring.
  • Earn 1.10% APY on all balance tiers when you make at least 10 qualifying debit card point of sale transactions of $10 or more per statement cycle.
  • If the qualifying activity requirement is NOT fulfilled, the interest rate paid on the entire balance will be 0.10% APY.
  • Accrue an APY that's over 27x higher than the national average.
  • Open an account online in just 3 minutes and with only $100 opening deposit.
  • No Monthly or Overdraft Fees
  • Your eligible deposit accounts are protected and FDIC insured.

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Best Credit Card Bonus of January 2025 https://www.cardbenefit.com/best-credit-card-bonus-of-2024/ Sun, 01 Dec 2024 16:04:41 +0000 https://www.cardbenefit.com/?p=20333 Many credit cards offer bonus rewards in cash back, miles or points. Bonus miles or reward points may be redeemed for flights, hotel nights, or simply shopping gift cards. Below you’ll find some of the best bonus rewards offered by credit cards for consumers and small businesses.

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Citi Strata Premier Card: $750 Bonus + 3% Rewards + $100 Hotel Credit

Our partner, Citibank, is offering Citi Strata Premier Card, which gives out a rich bonus of 75,000 points, redeemable for $750 in cash rewards at thankyou.com. You will earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. You will also earn 3 ThankYou Points for every dollar you spend at supermarkets, restaurants, gas stations, airlines, and other hotels. Citi Strata Premier Card lets you enjoy $100 off a single hotel stay of $500 or more once each calendar year, when it is booked through CitiTravel.com.

  • For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
  • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Intro APR
N/A
Intro APR Period
N/A
Annual Fee (rates & fees)
$95
Credit Needed
Excellent, Good

Other Credit Card Bonus valued at $200+

Many other credit cards are also offering a bonus of $200 or more. Here are the credit cards that give out good bonus.

Credit Card Bonus of $200+

Credit CardBonusAnnual Fee
Chase Sapphire Preferred Card

Chase Sapphire Preferred® Card

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.$95
Citi Double Cash Card

Citi Double Cash® Card

$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.$0
rates & fees
Citi Rewards+ Card

Citi Rewards+® Card

20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com$0
rates & fees
Blue Cash Preferred Card from American Express

Blue Cash Preferred® Card from American Express

$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.$0 intro annual fee for the first year, then $95.
rates & fees
Blue Cash Everyday Card from American Express

Blue Cash Everyday® Card from American Express

$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.$0
rates & fees
First Tech Odyssey Rewards World Elite Mastercard

First Tech Odyssey Rewards™ World Elite Mastercard®

Get 30,000 bonus reward points when you spend at least $3,000 in your first 90 days¹. That's $300 in value!$0 intro annual fee first year, then $75 thereafter
USAA Eagle Navigator Credit Card

USAA Eagle Navigator® Credit Card

  • Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
  • Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • $95
    (rates & fees)
    USAA Preferred Cash Rewards Credit Card

    USAA Preferred Cash Rewards Credit Card

  • Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
  • Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • $0
    (rates & fees)

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    Citi Strata Premier℠ Card https://www.cardbenefit.com/citi-strata-premier-card/ https://www.cardbenefit.com/citi-strata-premier-card/#respond Wed, 20 Nov 2024 05:15:30 +0000 https://www.cardbenefit.com/citi-premier-card/ Citi Strata Premier Card offers 75,000 bonus ThankYou Points after qualified spending. The 75,000 Points are redeemable for $750 in gift cards or cash rewards when redeemed at thankyou.com. You can earn 10 points for each dollar spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com, and earn 3 points for each dollar spent on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. You can earn 1 point per $1 spent on all other purchases. In addition, you will receive $100 Annual Hotel Savings Benefit. The card has no foreign transaction fees on purchases.

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    Card Issuer
    Citibank
    Network
    Mastercard
    Card Category
    Bonus, Dining, Travel
    Required Credit
    Excellent, Good
    Rate this card:  

    Benefits Summary
    Bonus Rewards
    For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
    Rewards
    Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases. No expiration and no limit to the amount of points you can earn with this card.
    Extra Benefits

    • For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
    • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
    • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
    • Earn 1 Point per $1 spent on all other purchases
    • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases
    • Read our review on Citi Strata Premier Card
    Intro APR
    N/A
    Intro APR Period
    N/A
    Regular APR
    20.24% - 28.24% (Variable)
    Annual Fee (rates & fees)
    $95

    Featured Credit Cards from Our Partners for Bonus, Dining, Travel

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    Citi Strata Premier Card Review – 75,000 Bonus Points and 3X Rewards https://www.cardbenefit.com/citi-strata-premier-card-review/ https://www.cardbenefit.com/citi-strata-premier-card-review/#respond Tue, 19 Nov 2024 16:30:39 +0000 https://www.cardbenefit.com/?p=20355 Citi Strata Premier Card is a consumer credit card that offers rich bonus and generous rewards on everyday purchases. It gives new card members a bounty of $750 value, which is among the top sign-up bonus rewards that you may receive from a credit card. In addition, it offers 3 ThankYou rewards points for each dollar you spend in grocery, dining, travel, and gas, which are the most common purchases for most consumers.

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    Overview

    Citi Strata Premier Card, issued by our partner Citibank, is a consumer credit card that offers rich bonus and generous rewards on everyday purchases. It not only hands out a bounty of $750 value, which is among the best sign-up bonus rewards of any credit cards, but also offers cardholders 3 rewards points for each dollar spent in grocery, dining, travel, and gas. All of those spending categories are the most common purchases for consumers.

    • For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
    • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
    • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
    • Earn 1 Point per $1 spent on all other purchases
    • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee (rates & fees)
    $95
    Credit Needed
    Excellent, Good

    Card Benefits

    Sign-up Bonus

    For a limited time, if you spend $4,000 or more in purchases on the credit card within your first 3 months of becoming a card member, you will receive a bonus of 75,000 points, which can be redeemed for $750 in cash rewards or gift cards at thankyou.com. Earning the bonus of $750 value is like receiving a 18.75% discount on your first $4,000 in purchases, which is an easy way to put more cash rewards back in your pocket. Those applicants who recently received a new account bonus for a Citi Premier or Citi Strata Premier Card account in the past 48 months will not be eligible for the 75,000 points bonus rewards.

    How to Earn Rewards

    You will earn 10 points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com. You will also earn 3 ThankYou Points for every dollar you spend at supermarkets, restaurants, gas stations or EV charging stations, airlines, and other hotels. For every dollar you spend on all other purchases, you will also earn 1 point.

    For instance, if you spend $5,000 on gas, $5,000 on dining out, $10,000 on groceries, $10,000 on travel, and $10,000 on everything else in a year, you will receive 100,000 ThankYou rewards points, redeemable for $1,000 in cash rewards. You can use our rewards calculator to find out how many rewards points you may receive.

    Spending Category Spending Rewards Points Rewards Value
    Gas $5,000 15,000 $150
    Groceries $10,000 30,000 $300
    Air Travel and Hotels $10,000 30,000 $300
    Dining at Restaurants $5,000 15,000 $150
    Everything Else $10,000 10,000 $100
    Total $40,000 100,000 $1,000
    Wells Fargo Platinum Balance Transfer Calculation

    How to Redeem Rewards

    Points can be redeemed for cash rewards or statement credit, gift cards, travel, or merchandise. Redemption for cash rewards starts at 500 points for $5. When you use points to redeem for gift cards, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Redemption for gift cards starts at 2,500 points for a $25 gift card. There are a wide variety of store gift cards that you can choose from at thankyou.com, such as Target, Home Depot, Lowe’s, Macy’s, GAP, Old Navy, Sephora, Legal Sea Foods, Red Lobster, Chili’s, etc. You can easily redeem points for gift cards of your favorite retail stores or restaurants.

    $100 Annual Hotel Savings Benefit

    Once per calendar year, the primary cardmember can book a hotel stay of $500 or more through CitiTravel.com and enjoy $100 off the hotel stay. To receive the $100 annual hotel savings, you must pre-pay for your complete stay with your Citi Strata Premier Card, ThankYou Points, or a combination thereof. If you choose to use the benefit, the $100 annual hotel savings will be applied at the time of hotel reservation.

    Additional Information

    Fees

    This credit card has an annual fee of $95. It has no foreign transaction fees on purchases that you make in foreign countries.

    Required Credit Rating

    The Citi Strata Premier Card is for people with good or excellent credit scores. If you have a FICO credit score of 700 or above, you may be eligible for the card offer.

    Is this the right card for you?

    If you are looking for a credit card with great bonus and rewards on everyday purchases, the Citi Strata Premier Card is one of the best credit cards for that purpose. You can earn a generous bonus of 75,000 points points, redeemable for $750, and 3X rewards on purchases on some of your most frequent purchases such as grocery, dining, travel, gas. In addition, this credit card charges no foreign transaction fees. Although the Citi Strata Premier Card has a moderate annual fee, its value has far outweighed the cost of the annual fee.

    Similar Credit Cards with Bonus Rewards

    If you are interested in the Citi Strata Premier Card, you may also consider the following credit cards with similar benefits.

    Credit Card Bonus valued at $500 or More

    Credit CardBonusAnnual Fee
    Chase Sapphire Preferred Card

    Chase Sapphire Preferred® Card

    60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.$95
    Chase Sapphire Reserve

    Chase Sapphire Reserve®

    60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.$550
    American Express Gold Card

    American Express® Gold Card

    60,000 Membership Rewards points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.$325
    rates & fees
    The Platinum Card from American Express

    The Platinum Card® from American Express

    80,000 Membership Rewards Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.$695
    rates & fees

    Credit Card Bonus valued at $250 or $300

    Credit CardBonusAnnual Fee
    Blue Cash Preferred Card from American Express

    Blue Cash Preferred® Card from American Express

    $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.$0 intro annual fee for the first year, then $95.
    rates & fees
    USAA Eagle Navigator Credit Card

    USAA Eagle Navigator® Credit Card

  • Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
  • Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • $95
    (rates & fees)
    First Tech Odyssey Rewards World Elite Mastercard

    First Tech Odyssey Rewards™ World Elite Mastercard®

    Get 30,000 bonus reward points when you spend at least $3,000 in your first 90 days¹. That's $300 in value!$0 intro annual fee first year, then $75 thereafter
    The American Express Blue Business Cash Card

    The American Express Blue Business Cash™ Card

    $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.$0
    rates & fees

    Credit Card Bonus valued at $200

    Credit CardBonusAnnual Fee
    Citi Rewards+ Card

    Citi Rewards+® Card

    20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com$0
    rates & fees
    Citi Double Cash Card

    Citi Double Cash® Card

    $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.$0
    rates & fees
    Blue Cash Everyday Card from American Express

    Blue Cash Everyday® Card from American Express

    $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.$0
    rates & fees
    USAA Preferred Cash Rewards Credit Card

    USAA Preferred Cash Rewards Credit Card

  • Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
  • Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • $0
    (rates & fees)
    Choice Rewards World Mastercard

    Choice Rewards World Mastercard®

    20,000 bonus Rewards Points when you spend $3,000 in the first 60 days$0

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    Chase Sapphire Preferred Card Review https://www.cardbenefit.com/chase-sapphire-preferred-card-review/ https://www.cardbenefit.com/chase-sapphire-preferred-card-review/#respond Fri, 04 Oct 2024 14:33:25 +0000 https://www.cardbenefit.com/?p=20196 Chase Sapphire Preferred Card is a travel credit card with a focus on providing outstanding experiences. Setting itself apart, this card allows for a 1:1 transfer of points to a selection of renowned frequent flyer programs. Upon meeting specified spending requirements, you can earn an enticing reward of 60,000 points points with Chase Sapphire Preferred Card. Notably, you can accumulate up to 5 points per dollar spent on travel and 3 points per dollar on dining purchases.

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    Overview

    Chase Sapphire Preferred Card is a premier travel credit card designed to deliver exceptional experiences. Upon meeting specified spending requirements, you can earn an enticing bonus of 60,000 points, redeemable for $750 in Chase Travel value. Notably, you can accumulate up to 5 points per dollar spent on travel and 3 points per dollar on dining purchases. Setting itself apart, this card allows for a 1:1 transfer of points to a selection of renowned frequent flyer programs or hotel loyalty programs.

    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel. For example, 60,000 points are worth $750 toward travel.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
    • Member FDIC
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee
    $95
    Credit Needed
    Good to Excellent

    Card Benefits

    Sign-up Bonus

    Chase Sapphire Preferred Card is currently running a limited time offer to give out a bonus of up to $750 in Chase Travel value. If you spend at least $4,000 in purchases within your first 3 months of becoming a card member, you will receive a bonus of 60,000 points, which can be redeemed for cash rewards of $600. If you redeem for travel rewards through Chase Travel, you can redeem for $750. Redemption for travel gives you 25% more in value than redemption for cash rewards. In addition, you can also receive a $50 Chase Travel Hotel Credit annually to pay towards hotel expenses.

    Earn Rewards

    For every dollar you spend, you will earn 5 points on travel purchased through Chase Travel, 3 points on dining, 3 points on online grocery purchases (excluding Walmart, Target, and wholesale clubs), 3 points on select streaming services, 2 points on all other travel purchases, and 1 point on all other purchases. Points can be redeemed for cash rewards, gift cards, or travel. When you use points to redeem for cash, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Travel is worth 1.25 cents, which means that 100 points equals $1.25 in redemption value.

    Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy.

    1:1 Point Transfer to Leading Frequent Travel Programs

    Chase Sapphire Preferred Card allows you to transfer points to leading frequent travel programs at a full 1:1 value with no transfer fees. Frequent travel programs include popular travel loyalty programs of the following airlines and hotels:

    Airline Loyalty Program with 1:1 Point Transfer
    Southwest Airlines Rapid Rewards
    United MileagePlus
    JetBlue TrueBlue
    Air Canada Aeroplan
    British Airways Executive Club
    Flying Blue AIR FRANCE KLM
    Virgin Atlantic Flying Club
    Aer Lingus AerClub
    Iberia Plus
    Emirates Skywards
    Singapore Airlines KrisFlyer
    Hotel Loyalty Program with 1:1 Point Transfer
    Marriott Bonvoy
    World of Hyatt
    IHG Rewards Club

    Additional Travel Benefits

    On top of all the nice features, Chase Sapphire Preferred Card does not charge foreign transaction fees. Most other credit cards charge 3% foreign transaction fees, which costs you extra $30 for each $1,000 you spend while traveling abroad. With no foreign transaction fees, Chase Sapphire Preferred Card is one of the best travel cards to use when you visit overseas for business trips or personal vacations.

    Additional Information

    Fees

    There is an annual fee of $95. With all the travel benefits and a generous bonus, frequent travelers can easily earn enough rewards to offset the cost of annual fee.

    Required Credit Rating

    The Chase Sapphire Preferred Card is for people with good or excellent credit rating. If you have a credit score of 700 or more, you may be eligible for the credit card.

    Is this the right card for you?

    If you value rewards and like travel benefits such as 1-to-1 point transfer to travel loyalty programs, the Chase Sapphire Preferred Card is the right card for you. It is a travel credit card with no foreign transaction fees. It offers solid rewards on travel and dining purchases.

    This credit card has a low annual fee of $95, but it offers rich bonus points for new card members, which can offset more than a few years of annual fee. In addition, its generous rewards and valuable travel perks make it a useful credit card for travelers.

    Similar Credit Cards

    If you are interested in the Chase Sapphire Preferred Card, you may also consider a few other travel credit cards with similar benefits.

    Rewards Credit Cards

    Credit CardBonus and RewardsAnnual Fee
    Citi Strata Premier Card

    Citi Strata Premier Card

  • For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
  • 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • 1 Point per $1 spent on all other purchases
  • $95
    rates & fees
    Blue Cash Preferred Card from American Express

    Blue Cash Preferred® Card from American Express

  • $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • $0 intro annual fee for the first year, then $95.
    rates & fees
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

  • Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • $0
    Citi Rewards+ Card

    Citi Rewards+® Card

  • 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • $0
    rates & fees
    Costco Anywhere Visa Card by Citi

    Costco Anywhere Visa® Card by Citi

  • 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    rates & fees

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    Citi Double Cash® Card Review – $200 Bonus and Straight 2% Cash Back on All Purchases https://www.cardbenefit.com/citi-double-cash-card-review/ https://www.cardbenefit.com/citi-double-cash-card-review/#respond Tue, 01 Oct 2024 16:59:15 +0000 https://www.cardbenefit.com/?p=20267 If you are looking for a credit card with easy cash rewards, Citi Double Cash Card is a credit card that gives you $200 bonus cash back and essentially 2% cash back on everything. It is a Mastercard that lets you earn unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. It has no annual fee and offers 0% intro APR on balance transfers for 18 months.

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    Overview

    If you need a credit card that offers straightforward cash rewards, consider Citi Double Cash Card, issued by our partner Citibank. This credit card provides a $200 bonus cash back along with a consistent 2% cash back on all purchases. It allows you to earn an unlimited 1% cash back when making purchases, with an additional 1% cash back as you pay for those transactions. As of October 2024, it is running a special offer to give out 5% cash back on eligible travel purchases through 12/31/25. The card also features no annual fee and 0% introductory APR on balance transfers for the first 18 months.

    Card Summary

    • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
      Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel portal through 12/31/25.
    • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
    • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
    • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
    Intro APR
    0% on Balance Transfers
    Intro APR Period
    18 months
    Annual Fee (rates & fees)
    $0
    Credit Needed
    Excellent, Good, Fair

    Card Benefits

    Special Offer: $200 Cash Back Bonus

    Citi Double Cash Card users have the opportunity to earn a $200 cash rewards bonus by making $1,500 in purchases within the initial 6 months. Receiving this $200 cash rewards bonus translates to a 13% discount on the first $1,500 spent — an effortless means of increasing the cash back in your wallet.

    Cash Back: How Citi Double Cash Works

    By earning 1% cash back when making purchases and an additional 1% when paying off the balance, you accumulate a total of 2% cash back on all your expenditures. The cash back has no limits, and as long as your account remains open, your earned rewards don’t expire.

    In addition, Citi Double Cash Card is running a special travel offer to let you earn 5% cash back on hotel, car rentals and attractions booked on the Citi Travel portal through 12/31/25.

    Illustratively, if your annual card spending amounts to $30,000, including $6,000 in eligible travel purchases of 5% cash back, you will receive $780 in cash back rewards. You can utilize our cash rewards calculator to determine the potential cash back rewards based on your specific expenditures.

    Spending Category Spending Cash Rewards Net Spending (after Cash Back)
    Eligible Travel Purchases of 5% Cash Back $6,000.00 $300.00 $5,700.00
    Everything Else $24,000.00 $480.00 $23,520.00
    Total $30,000.00 $780.00 $29,220.00

    Citi Double Cash Card Cash Rewards Calculation Chart

    0% Introductory APR

    Additionally, it offers a 0% introductory APR on balance transfers, enabling you to transfer your current credit card balance and benefit from an extended period of 18 months with no interest. This provides an opportunity to save on interest costs. Post the introductory period, a go-to rate of 18.24% - 28.24% (variable) applies.

    Fees

    Citi Double Cash Card boasts a zero annual fee, allowing you to retain the card without incurring any charges. On the other hand, it has foreign transaction fees at 3% of each transaction in U.S. dollars. If you’re planning to use a credit card for international transactions, it’s crucial to be aware of any foreign transaction fees and consider other cards that may offer more favorable terms for overseas spending if that’s a significant part of your financial activity.

    Required Credit Rating

    Citi Double Cash Card is tailored for individuals with an excellent, good, or fair credit profile.

    Bottom Line

    To recap, here are the main pros and cons when considering Citi Double Cash Card:

    Pros

    Double Cash Back: Citi Double Cash Card provides a unique structure where you earn 1% cash back on all purchases when you make them and an additional 1% cash back when you pay them off. This effectively gives you 2% cash back on every purchase, making it competitive in the cash back rewards category.

    Sign-Up Bonus: The card offers a sign-up bonus of $200 cash, which makes it quite attractive.

    No Annual Fee: Citi Double Cash Card does not charge an annual fee, making it a cost-effective option for cardholders.

    Simplicity: The card’s structure eliminates the need to navigate through different spending categories or deal with quarterly changes, offering a straightforward way to earn rewards on all purchases.

    Acceptance: Citi Double Cash Card is a Mastercard, which is accepted at nearly every merchant that accepts credit cards, both in the US and internationally.

    Balance Transfer Intro APR: The card typically offers a 0% introductory APR on balance transfers for a long period of 18 months, providing a potential benefit for those looking to transfer and manage existing credit card debt.

    Cons

    Foreign Transaction Fee: If you frequently travel internationally, it’s important to note that the card has foreign transaction fees, which may not be ideal for those who spend internationally.

    Variable APR: The APR can be relatively high, especially if you have less-than-excellent credit, so it’s important to consider this if you carry a balance.

    Is this the right card for you?

    If you desire simple and direct cash back rewards without the burden of an annual fee, the Citi Double Cash Card is an obvious and advantageous choice. This card grants a $200 cash bonus following qualified spending and ensures a consistent 2% cash back on all purchases. Furthermore, it extends a 0% introductory APR on balance transfers for an extensive period of 18 months, providing a valuable opportunity to alleviate existing credit card debt.

    Similar Rewards Credit Cards

    If you are interested in the Citi Double Cash Card, it’s worth exploring a few other credit cards that offer comparable benefits.

    2% Fixed Rate Cash Back Credit Cards

    Credit CardBonus and RewardsAnnual Fee
    Synchrony Premier World Mastercard

    Synchrony Premier World Mastercard®

  • 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
  • Get more out of every day purchases -- earn 2% cash back with your Synchrony Premier Card. No complicated math or rewards categories to remember.
  • $0
    TD Double Up Credit Card

    TD Double Up Credit Card

  • $100 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
  • Unlimited 2% Cash Back on all eligible purchases
  • $0

    No-Annual-Fee Rewards Credit Cards

    Credit CardBonus and RewardsAnnual Fee
    Citi Rewards+ Card

    Citi Rewards+® Card

  • 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • $0
    rates & fees
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

  • Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • $0
    Blue Cash Everyday Card from American Express

    Blue Cash Everyday® Card from American Express

  • $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • $0
    rates & fees
    Costco Anywhere Visa Card by Citi

    Costco Anywhere Visa® Card by Citi

  • 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    rates & fees
    USAA Preferred Cash Rewards Credit Card

    USAA Preferred Cash Rewards Credit Card

  • Unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
  • Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
  • Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • $0
    (rates & fees)

    0% APR Balance Transfer Credit Cards

    Credit Card0% APRAnnual Fee
    Citi Diamond Preferred Card

    Citi® Diamond Preferred® Card

    0% on purchases for 12 months and on qualifying balance transfers for 21 months. After the intro period ends, the go-to rate of 17.24% - 27.99% (variable) applies.
    (rates & fees)
    $0
    USAA Rate Advantage Credit Card

    USAA Rate Advantage Credit Card

  • 0% on balance transfers for 15 months
    (rates & fees)
  • Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • $0
    (rates & fees)

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    16 Money-Saving Tips on Using Credit Cards https://www.cardbenefit.com/16-money-saving-tips-on-using-credit-cards/ https://www.cardbenefit.com/16-money-saving-tips-on-using-credit-cards/#respond Wed, 11 Sep 2024 03:59:39 +0000 https://www.cardbenefit.com/?p=20151 Credit cards allow you to borrow money up to a pre-set limit for your purchases or balance transfers. Card issuers will charge interest if you do not pay off your full statement balance by the payment deadline. You will be charged for late fees if you miss payment due dates. The convenience of using credit cards as a payment option comes with the potential cost of fees and interest. But if you use credit cards properly, you can save money in many ways.

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    Credit cards allow you to borrow money up to a pre-set limit for your purchases or balance transfers. The convenience of using credit cards as a payment option comes with the potential cost of fees and interest. But if you make responsible payments on credit card bills, you can maintain good credit scores. Consequently, you can be approved for credit cards for excellent credit to save money in many ways.

    1. Sign-up bonuses with new credit card accounts

    Credit cards with rich bonus can let you earn substantial rewards in the first few months of account opening. Some Credit cards hand out cash back bonus of hundreds of dollars. For example, Ink Business Unlimited Credit Card is currently offering $750 cash bonus after qualified spending. And some other credit cards offer $200 bonus cash back after $500 is spent on purchases within the first 3 months from account opening, which is a whopping 40% cash back on the first $500 charged to your credit card. See more credit cards that offer top-notch bonus.

    2. Cash back or travel rewards

    There are many rewards credit cards that give you cash back or travel rewards on your purchases. The cash rewards offered by different cards vary. In general, you can expect between 1% and 2% cash back on most purchases. You can receive higher cash rewards on select purchases. Sometimes credit card rewards are in the form of points or miles, which are redeemable for travel credit or shopping gift cards.

    For example, Citi Double Cash Card offers 2% cash back on all purchases, along with $200 bonus cash back. And Blue Cash Preferred Card from American Express offers 6% cash back on grocery purchases, up to $6,000 per year.

    3. Buy now and pay later, with no interest cost

    Credit cards with 0% introductory interest on purchases can help you save money. If you need to make a big purchase, 0% intro APR credit cards let you borrow money from the card issuer for an extended period of time without incurring any interest or fees. As long as you make the minimum payments every month and pay off the remaining balance before the end of the introductory period, you will not pay for any interest.

    For example, Citi Rewards+ Card offers 0% Introductory APR for 15 billing cycles for purchases. If you use the card to make a purchase of $10,000, you can pay the monthly minimum payment for 15 months, which is usually around 1% of the account balance, and then pay off the remaining balance at the end of 15 billing cycles without incurring any interest fees.

    4. Use balance transfers to minimize interest charges

    Credit cards with 0% introductory APR on balance transfers can help you save money by allowing you to transfer high-interest balances to a 0 interest credit card to eliminate or minimize interest charges. For example, if you have $10,000 in credit card debt and are paying an interest rate of 20%, transferring balances to a 0% APR credit card for 21 months, such as Citi Diamond Preferred Card, can provide substantial savings. You can save around $3,000 on interest charges over the next 21 months. If you are carrying a credit card balance each month, it is well worth your time and effort to apply for a credit card offering 0% intro APR on balance transfers.

    5. Free membership of Global Entry and TSA Pre✓

    For frequent flyers, getting stuck in the airport security lines means the unnecessary long wait. Sometimes the delay causes travelers to miss flights or connections. In such situations, the travelers have to change flight ticket and may need to stay in a nearby hotel overnight if the flight is scheduled for the next day.

    The airport expedited screening programs of TSA Pre✓ and Global Entry can save travelers 20 to 30 minutes in most airports, which help you avoid the situation of missing flights. TSA Pre✓ provides expedited security screening benefits for flights departing from U.S. airports. Global Entry provides the TSA Pre✓ benefit plus expedited US customs screening for international air travelers when entering the United States. TSA Pre✓ costs $85 and Global Entry costs $120 for a five year membership.

    A few travel credit cards, such as Chase Sapphire Reserve and IHG One Rewards Premier Credit Card, offer up to $120 Airport Security Statement Credit towards TSA Pre✓ or Global Entry Application fee.

    6. Free checked bags

    Many airlines charge $25 or $30 per bag on each leg, which means an additional cost of $50 or $60 per passenger on a round trip. The cost of baggage fees can add up quickly for a large travel group. Some airline credit cards let you check your first bag for free. United Explorer Card and United Quest Card offer its cardholders free checked bags on United flights.

    7. Free access to airport lounges

    Whether you are a business traveler or an avid vacationer, having unlimited lounge access to VIP airport lounges will be a pleasant experience when you and your companions can enjoy a light meal, sip wine, and relax in comfortable chairs in an exclusive club. Some travel credit cards offer a complimentary Priority Pass Select membership, which is a prestigious membership program for travelers to visit airport VIP lounges. For example, Chase Sapphire Reserve offers complimentary Priority Pass Select membership, which is an instant savings of a few hundred dollars in value annually.

    8. Free in-flight food, drinks, and WIFI

    Some credit cards give you airline credit of $100 or $200 annually to pay for airline fees or incidentals, such as airfare, baggage fees, in-flight drinks, refreshments and WIFI access. For example, The Platinum Card from American Express offers $200 annual airline credit.

    9. Complimentary elite status of hotel membership

    Hotel cards may offer complimentary elite status of hotel membership, which can be used to save you on a number of hotel amenities, such as complimentary breakfast, room upgrade, award nights, etc. You can also earn extra rewards points which can be redeemed for free hotel nights or merchandises. For example, Hilton Honors American Express Surpass Card offers complimentary Gold Status of Hilton Honors membership, and Hilton Honors American Express Card offers complimentary Hilton Honors Silver status.

    10. Complimentary concierge services

    Personal concierge services provide errand management and information research for private clients. Services include informational requests, making travel arrangements, booking tickets to special events or concerts, setting dinner reservations, making telephone calls, and more. The cost of using an independent personal concierge company can be quite expensive. A few premium credit cards offer complimentary concierge services. For example, Synchrony Premier World Mastercard and First Tech Odyssey Rewards World Elite Mastercard provide their cardholders with complimentary concierge services.

    11. Complimentary car rental insurance

    When you rent a card, you may need to buy car rental insurance. Buying such insurance services from the rental car company will add extra cost to your car rentals. Many credit cards offer complimentary insurance against damage to or theft of your rental cars. It will save you money on car rentals. For example, USAA Eagle Navigator Credit Card offers auto rental coverage as a complimentary service to its cardholders.

    12. Save on the cost of foreign currency exchange

    When you are traveling abroad, withdrawing cash from local ATMs and converting currency can cost extra. Many credit cards let you pay no foreign transaction fees for your purchases in foreign countries. For example, Capital One credit cards do not charge foreign transaction fees. In addition, some travel credit cards do not charge such fees either, such as Chase Sapphire Preferred Card. When you travel abroad, it is always a good idea to carry a credit card with no foreign transaction fees because it saves you money on purchases and it helps you avoid the hassle of converting currency. See more credit cards that have no foreign transaction fees.

    13. Discounts on companion airfare

    Some airline credit cards let you buy companion flight tickets at a discount, which saves you money on airfare if you fly with a companion. Delta SkyMiles Platinum American Express Card offers its cardholders a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year on your account anniversary.

    14. Complimentary extended warranties

    In-store extended warranties may cost too much and you may never have a chance to use the coverage. You are often better off declining to pay for such extended warranties because it can be a waste of money. Luckily, many credit cards offer extended warranty at no cost for their card members. For example, Ink Business Premier Credit Card provides its cardholders with extended warranty coverage.

    15. Complimentary price protection

    Price protection is another common benefit provided by credit cards. If your purchase goes on sale after you buy, some credit cards may refund the difference. You just need to provide an ad proving the better price and submit the claim within the specified time limit of the price change.

    16. Improve credit score and save on loans

    Having a higher credit score can lower your costs on other loans, such as home mortgage, car loans, etc. Your credit-card payment activities affect your credit score. If you make payments on time to pay towards the balance on your credit card accounts, your responsible payments will improve your credit score. Having an excellent credit rating may qualify you for loans with lower interest rates, which will potentially save you thousands of dollars each year. If you have poor credit or have insufficient credit history, you may be ineligible for loans. Opening credit card accounts and making payments responsibly can be a good first step to establish credit history so that you can save a lot on loans. Sometimes you may have to start with secured credit cards to build credit, which may have low credit limit and may cost a little, but having an established credit history of good ratings will pay off over the long term.

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    Merchant Service Providers https://www.cardbenefit.com/merchant-service-providers/ https://www.cardbenefit.com/merchant-service-providers/#respond Thu, 15 Aug 2024 08:56:24 +0000 https://www.cardbenefit.com/?p=20654 U.S. Bank is the fifth-largest bank in the United States. It offers merchant service that enables businesses to accept credit and debit card payments. It gives convenient payment options that customers can choose from and it provides tools to properly process payments.

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    U.S. Bank and Stripe provide merchant services that enable businesses to accept credit and debit card payments.

    • Earn up to $1,000 in statement credits in 3 months when you open a new Payment Solutions account with U.S. Bank. Member FDIC.
    • Offer:
    • •  Open account between 1/16/25 and 3/31/25
      •  Account must be in active status and settling card payments at the time monthly statement credits are applied
      •  Get merchant fees refunded up to $1,000 over three months
    • Join the millions of companies of all sizes that use Stripe to accept payments online and in person, embed financial services, power custom revenue models, and build a more profitable business.
    • Reduce costs, grow revenue, and run your business more efficiently on a fully integrated platform. Use Stripe to handle all of your payments-related needs, manage revenue operations, and launch (or invent) new business models.
    • Flat-rate pricing: Stripe charges a simple, transparent fee per transaction, making it easy to calculate costs without complex tiered structures.
    • Diverse payment options: Supports major credit cards, debit cards, mobile wallets, and international payment methods.
    • Developer-friendly APIs: Provides robust APIs for easy integration with various platforms and applications.
    • No setup fees or monthly charges: Businesses only pay for the transactions they process.
    • Global reach: Can process payments in multiple currencies across different countries.

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