Which Credit Cards offer perks and rewards for cars and autos

Most credit cards will offer some sort of rental car insurance to cover the damages of your rental car. To qualify for the coverage, you must charge the entire cost onto the card and decline the collision/damage insurance of your insurance company. By using your card’s insurance, you can avoid filing a claim with your insurance company and get charged with a higher monthly premium. The following are the 3 best cards that offer rental car insurance.

1. Chase Sapphire Preferred
Chase Sapphire Preferred offers primary rental insurance that covers up to the cash value of the rental cars for up to 31 days. Some of the damages it covers are physical damage, theft, loss of use during repair, and towing charges. Chase Sapphire Preferred do offer coverage for selected models of passenger vans that can carry up to 8 people. The types of vehicles that aren’t covered are luxury, and antique cars.

With Chase Sapphire Preferred, you can cover a rental car that is rented in any country. Chase Sapphire Preferred also offer 50,000 points which is worth $625 towards travel for those who charge at least $4,000 to the balance in the first 3 months. The annual fee is waived in the first year and $95 is charged afterward. It does not have any foreign transaction charges on overseas shopping.

2. Chase Sapphire Reserve
Chase Sapphire Reserve also provide primary car insurance but it has some difference in terms of the rewards. With this card, cardholders can receive special privileges if they book a rental car with selected car rental companies such as Avis, Silvercard and National Car Rental. The card offers 3 points on travel and dining worldwide.

Chase Sapphire Reserve also offer 50K bonus points but they are worth $100 more which is $750 in Chase Ultimate Rewards. Every year, you get a $300 travel statement for use towards your travel and $100 coverage on the Global Entry/TSA Precheck. The card has an expensive annual fee of $450. It has no foreign transaction fee.

3. Citi Aadvantage Platinum Select MasterCard
Citi Aadvantage Platinum Select MasterCard offers worldwide car rental insurance for up to 31 days. It will cover up to $100,000 of the repair cost or car cash value (whichever is lesser). It offers secondary insurance for car rented within the USA and primary insurance for car rented outside the USA.

In order to get covered, your car must be damaged in one of the 3 ways including accident, natural disaster and vandalism. Citi Aadvantage Executive World Elite MasterCard offers 60,000 miles as sign up bonus for customers who charge at least $3,000 to the balance in the first 3 months. The annual fee is $99 but it is waived in the first 12 months. It does not have any foreign transaction fee.

2018 Review on the Hyatt Credit Card by Chase

Chase Hyatt Credit Card offers a relatively high bonus points of 40,000 points for a low spending minimum of just $3,000 in the first 3 months. Spending twice the amount will get another 20,000 points. Customers who did not receive any signup bonus in the past 24 months will be qualified to enjoy the free signup bonus.

The card’s $95 annual fee can be easily offset if you regularly use it for your traveling expenses. Every dollar spent at a participating Hyatt hotel will earn you 4x bonus points. There is a selection of over 700 Hyatt hotels around the world for earning points. If you spend $1,325 every month, you can earn back a total rewards of $750 in a year.

When you are not traveling. you can also use the card to earn points in categories like dining, subway train, and gym membership. World of Hyatt credit card will award 1 points on miscellaneous purchases that do not fall in the selected categories. They will delete all your points if your account is inactive for 24 months. It does not apply to accounts tied to the inactive account.

You can get one free night certificate for category 1 – 4 hotel if you stay at 5 different brands of Hyatt hotel in a year. You are also entitled to receive a second free night certificate in category 1 – 7 for trying another 5 brands of Hyatt hotels. You can redeem a free night as long as they have a standard room available. Staying at a Hyatt hotel entitles you to access privileges like free breakfast, and lounge access.

There are many ways to redeem the points including voucher for restaurants, spa, and travel. You can also use points to pay for purchases at selected stores. World of Hyatt credit card is a partner with Chase Ultimate Rewards. Cardholders can transfer their accumulated points to Chase Ultimate Rewards at a 1:1 rate. Similarly, the points that you earn in your Ultimate Rewards points can be converted into Hyatt points.

Having a Hyatt credit card allows you to enjoy a Discoverist status. When you have a Discoverist status, you can enjoy perks like high speed internet, 10% discount at Hyatt hotel, ability to book a room through the exclusive reservation line, free water bottle, late check out at 2 PM, waived resort fees on free night awards and check in into a preferred room. It does not offer late checkout for Hyatt Residence Club and M.

The 5/24 rule does not apply to the World of Hyatt credit card. This means that they should approve your application for this credit card even if you have already opened 5 or more cards with Hyatt in the past 24 months. The World of Hyatt credit card is ideal for travelers who frequently stay at Hyatt hotels in their travels.

Top 4 Places to Use a Rewards Credit Card to Get Bonus Points with Capital One

A Capital One rewards card offers one time $150 signup bonus when you meet the minimum spending threshold of $500. You must spend the $500 within a period of 3 months starting from the day that you open your account. The $500 is a low minimum spending requirement and you can easily meet this requirement in the following 4 ways.

1. Pay for Your Utility Bill
You can link your Capital One card in the account that you use to pay your utility bill. Many utility companies like cable, internet and phone, require you to link your card to pay the monthly bill. This allows you to earn points while paying for these necessary services that you are already using. You can check with your utility company to see if they allow you to use credit card to make payment for the bill.

2. Pay for a Home Repair
If your house has some damaged system or structure, you can use the credit card to hire the repairman. For example, hiring a plumbing company to fix a broken pipe is going to cost a lot of money. You can grab this opportunity to use the card to pay for the plumbing services. After using the card to pay for the repair fee, you can use your savings to pay off the credit card bill. Paying the bill in full at the month end allows you to reap the cash back in full so that you don’t have to pay any interest fee.

3. Pay for Your Rental Fee
Some landlords accept payment for the rental fees via credit card. There may be some fee charges that the landlord will charge when you use the credit card to pay for the rental fee. The fee is about 2.5% – 3% of the rent amount. It is completely worthwhile to use your credit card to pay for a rental fee. Since your rent will be at least a few hundred dollars, you can quickly meet the minimum spending requirement of the signup bonus program.

4. Pay for Your Tuition Fee

Another way to reach the minimum spending requirement is to use the card to pay for a tuition fee. Tuition fee can amount to a few hundred to a few thousands dollars per semesters. If you are not currently enrolled in any college, you might want to enroll in one as it can offer you the opportunity to get a promotion. You earn double rewards in this way, first you can earn a big voucher by meeting the signup bonus program and you are also giving yourself an opportunity to increase your earning potential with a job promotion that is likely to take place in the near future.

Review of Starbucks Rewards Visa Card

The Starbucks Rewards Visa Card features a stars rewards program that awards points in the form of stars for every dollar spent. You get 1 Star for every $4 spent outside of Starbucks. Shopping at Starbucks will earn you the most points which is 2 stars. Plus, you can earn an additional star when the rewards are digitally loaded onto the card.

Every star that you earn worths 4 cents. You must redeem your stars quickly since they will expire in 6 months. Its signup bonus program lets you earn 2.5K bonus stars when you spend $500 in the first 3 months. It is easy to arrive at the minimum requirement if you regularly shop at Starbucks. They will also give you free 250 stars in the first time you load your registered starbucks card. All card holders will earn gold status automatically when they sign up.

When you reach 125 points, you can go to Starbucks and exchange your points for a free drink or food. Cardholders should download the Starbucks app at Google Play or App store. The Starbucks app allows you to conveniently use their phone to pay, place an order in advance and redeem points. To sign up for this card, you have to pay a $49 annual fee.

When you have this card, you are also eligible to receive a reward on your birthday. Every time you go to Starbucks to buy coffee, you can refill your empty cup for free. Members also enjoy the benefit of 8 annual Barista picks.

Barista picks are free coupons that you can redeem for free food and drink items at the store. The coupons are automatically loaded into your account. If you use up all the coupons, it will have cover up most of the annual fee. The coupon can expire in 30 days.

Starbucks Rewards Visa Card offers auto rental collision damage coverage if you use it to pay the entire cost of the car rental. The coverage is valid for most of the models of cars that you can rent in US and abroad. The card features an extended warranty protection program that can increase the warranty of the product you purchase by one more year.

The price protection program can reimburse you the difference for up to $500 if you can find the same item on sale for cheaper price in 90 days. You can reimburse up to a total of $2,500 per item under the price protection program.

Additionally, all items that you purchase will be covered with a 120 days purchase protection. In the event that your item get stolen or damage accidentally, you can get reimbursed with up to $500 per claim. The card has a trip cancellation insurance where canceled trips will get reimbursed up to $1,500 per trip.

What are the Best Cards to Use When Shopping at Costco

If you regularly shop at Costco, you should carry a credit card to pay for your groceries. This enables you to earn cash back on your shopping at Costco every time. Carrying a credit card also allows you to learn about financial discipline as you pay off your balance every month promptly. The following are the 4 best credit cards to use when you are shopping at Costco.

1. Costco Anywhere Visa Card

Costco Anywhere Visa card by Citi has a great rewards program that offers 4% cash back on gas purchases, 3% cash back on restaurant, and 2% cash back on your shopping Costco. If you spend $15,900 in a year, it is estimated that you will earn $300 in cash back. The cash back that you have accumulated will only be issued once a year every February. You have to go to your local Costco store to redeem the cash back. When redeeming, make sure your Costco membership is still active otherwise all the earnings will be forfeited.

2. Chase Freedom Unlimited

Chase Freedom Unlimited offers a flat rate of 1.5% cash back on all your purchases. Spending a total of $500 in 3 months allows you to earn $150 sign up bonus. When you add one authorized user, they will reward you with a $25 signup bonus. The rewards you earn can be transferred to other Chase Ultimate Rewards cards. You can redeem your rewards in many ways, for example, cash back as in statement credit, transfer to other cards, or transfer to an airline partner. Transferring to other cards will earn you 25%-50% more values than when you redeem it in statement credit.

3. Capital One Venture

Capital One Venture offers 2x rewards points on all your purchases. It offers up to 50K sign up bonus if you can arrive at a total spending of $3K within 3 months. The annual fee is waived in the first year and will cost you $95 in the second year. If you shop at Hotels.com, you can earn 10x miles per dollar spent. It does not have any foreign transaction fee charges. The card features auto collision coverage, 24/7 concierge and extended warranty.

4. Bank of America Travel Rewards Credit Card
Bank of America Travel Rewards Credit Card offers 1.5x points for per dollar spent. If you are a new cardholder, you can earn 20K bonus points when you spend $1K in the first 90 days. In the first year, it waives the interest fee on purchases and balance transfer via the zero percentage intro promo. If you use the card for balance transfer, make sure to transfer your balance within 60 days to have the balance transfer fee waived. If you have a checking account with the Bank of America, they will give you additional 10% rewards during redemption.

Which Credit Card Companies Offer Cards in the U.S. and Germany

Barclay card and American Express are the two companies that offer credit cards in USA and Germany. Barclay bank in USA issues a lot of different credit cards with attractive signup bonus and rewards points program. The most popular card is the Barclays Arrival Premier World Elite Mastercard which offers you 25,000 bonus points after spending $25,000. Its rewards program offers unlimited 2x miles on all purchases. Barclay Ring offers low APR of around 10.49% on purchases and balance transfer plus it has no foreign transaction fee and annual fee.

Barclay bank in Germany only offer one type of credit card. Barclay card Germany features zero interest in the first 2 months. This means you can wait until after 2 months to make the repayment. They have also waived the annual fee permanently. There are 2 options to repay your balance. The first option is to pay off the entire balance at one go and the second option is to pay the balance in installment.

The minimum payment is only 2% of what you owe (minimum 15 Euro). If you did not pay your balance in full, the interest fees will accrue on it. You don’t have to open a new checking account when you apply for the card. You will be able to save 5% if you use to card to book your next trip on Professional Travel GmbH. If someone has stolen your credit card and charge it, you can report it to them and they will refund up to 500 Euro of the stolen amount.

In the USA, Blue Cash Everyday card is the most popular card issued by American Express. Blue Cash Everyday card allows you to earn a $150 statement credit when you spend $1,000 in the first 3 months. Amex EveryDay credit card offers 10,000 points + waive the balance transfer fee when you spend $1,000 in the first 3 months. Amex EveryDay card has a 15 months zero percent intro promo. Amex Premier Rewards Gold offers 25,000 points when you have spent $2,000 in the first 3 months.

American Express offers Gold Card and Payback American Express Karte in Germany. American Express Gold offers 15,000 points when you spend $1,000 in the first 3 months. They will also give you another 15,000 points through referral of a friend. Every euro you spend will earn you 1 point. In the Turbo program, you can earn 1.5 point per euro spent. You can transfer your points to airline and hotel programs.

Amex Payback card offers 1 point per 2 euros spent on top of the regular points that you earn when you shop via the Payback partners. The annual fee is permanently waived on the card. You can apply an additional credit card for free and that card will also earn points on purchases. It also offer an extended warranty for online and offline purchases that last for 90 days.

If You Lose Your Credit Card From Chase What Do You Need To Do

It can be a distressful experience to lose your credit card. When you lose your credit card, you must remember to calm down and quickly take the necessary steps. Taking fast action can prevent you from getting hit with a financial problem that result from unauthorized purchases. The first thing that you want to do is to report the lost card by making a phone call to the phone number at the back of your card.

At the Chase site, you can also find the number for reporting the lost card by clicking on Contact Us. It is important to not delay in making the phone call. If someone have your card, he may use it to make a large sum of purchases.

The phone will keep ringing until you are being connected to a representative. When you are connected, the representative will ask you to confirm your identity. You can then tell the representative about how you lost your card as well as the time/date you realized that you have lost your card. You can also tell them about any weird transactions on your billing statement.

You should keep all relevant documents handy for answering specific questions that the representative is likely to ask. They will block the card to prevent someone else from using it. You can call at anytime to report your lost/stolen/damaged card as the phone line is open for 24/7 throughout the year.

Reporting the lost card in 2 days will reduce your liability to $50 only. If you wait until after 2 days to report the lost card, you will be liable for $500 of unauthorized purchases. If you wait until after 60 days, you will be responsible for the entire cost of the unauthorized purchases.

After reporting the missing card, the issuer will start an investigation and carry out the procedure to send you a new replacement card. They will not cancel your old account so you don’t have to worry about your credit score dropping.

As a rule of thumb, you should always keep the information handy including telephone number, procedure for card replacement and applicable fees. This allows you to quickly make a report on the missing card. In the event that your card is destroyed instead of lost, you must let the issuer know and they should be glad to issue a replacement card.

The new card will be associated with the Digital Account Number based on the token stored on the device. You will have to re-add the card to your device and make it active again after you receive your new card. The card should arrive at your address in less than 1 week. You can also order a new credit card through the official site.

We help consumers find the top credit cards, research and compare the best 2018 credit cards online from banks such as Chase, Citi, Amex, Discover and more.

Locking in an 18 Month Balance Transfer Until 2019, Which Card Offers This Deal

Most people will take over 1 year to pay off their credit card debt. For this reason, it is best to apply for a card that has at least 18 months balance transfer offer. The interest will only be charged to your balance after the 18 months intro promo comes to an end. The following are the top 4 balance transfer credit cards with 18 months zero percent intro offer.

1. Citi Double Cash
Citi Double Cash card features a zero percent APR intro that is valid for 18 months. At the end of the 18 months period, you will be charged with an APR in the range of 14.74% – 24.74%. The card also has a cash back program that let you earn double cash back where the first 1% is earned wehen you make the purchases and the other 1% is earned as you pay off your balance. Balance transfer will not earn any cash back. To get the 18 months balance transfer offer, you must complete the balance transfer within 4 months. There is a 3% or $5 minimum balance transfer fee. You don’t have to pay any annual fee.

2. Discover it 18 Months
Discover it 18 months is another card 18 months zero percentage intro offer that is applicable to balance transfer. Once you reach the end of the 18 months, you are charged with a regular APR in the range of 13.24% – 24.24%. The card also have a zero percentage intro offer for purchases that is valid for only 6 months. Using this card to make purchases on bonus categories will enable you to earn 5% cash back. Purchases not in the bonus categories will earn you 1% cash back. The card features no annual fee and free FICO score. There is no expiry to the cash rewards and you can redeem it at anytime.

3. HSBC Gold Mastercard
HSBC Gold Mastercard waives the APR interest in the first 18 months. Following the 18 months, you will be charged with a variable APR rate of 12.24% – 20.24%. It has zero penalty APR, zero foreign transaction fee, and zero annual fee. It also offer $0 liability for any purchases made by unauthorized person on the card. The balance transfer fee is 4% of the amount that you transfer. There is no reward program which serves as an encouragement for you to use another credit card for your everyday purchases. The card is only available those who have good or excellent credit.

4. Citi Simplicity
Citi Simplicity card comes with an 18 months zero percent intro for both purchases and balance transfer. You have to transfer all the credit card debt to the balance transfer card in 4 months in order for the 18 months zero percent intro offer will take effect. After the zero percent offer ends, the variable APR of 15.24% – 25.24% will apply.

We help consumers find the best card offers for 2018, review balance transfer, cash back, rewards and travel credit cards online1

Consumers Love AMEX Here Are 5 Great Cards To Consider

American Express offers a number of credit cards that offer great signup bonuses. These signup bonuses allow you to receive a statement credit after you have spent a specified amount on the card. The following are the five rewards Amex credit cards that offer great signup bonus promotions.

1. Starwood Preferred Guest from American Express
Starwood Preferred Guest from American Express offers a signup bonus of 25,000 Starpoints after you have spent $3,000 within the first 3 months. The annual fee is waived during the first year and you will be charged $95 starting from the second year. Every purchase at Starwood hotel will earn you 5 Starpoints. Purchases at other hotels will earn you 2 Starpoints. All other purchases will earn you 1x point. The fifth night is free after you have redeemed the first 4 nights.

2. Platinum Delta Skymiles Credit Card
Platinum Delta Skymiles Credit Card features a Miles Boost signup bonus program that allows you to earn 10K bonus miles and 10K Medallion Qualification Miles (MQMs) after spending $25K on purchases in selected categories in a year. You can earn double miles if you spend $50K in a year. Purchases in everyday category will earn you 1x mile daily. You can redeem the miles on Delta airline and other participating airlines.

3. The Platinum Card from American Express
The Platinum Card from American Express offers 60,000 signup bonus points after you have spent $5,000 within 3 months after account opening. You earn 5x points when booking the flight directly with the airline or through American Express Travel. You can enjoy free Uber rides within the US for up to a travel fee of $15. During December, you get free $200 bonus of travel fee in Uber riden. Besides, cardholders are also entitled to receive up to $200 of airline credit per calendar year. The card comes with free access to lounge networks and free WIFi at Boingo hotspot.

4. Premier Rewards Gold from American Express
Premier Rewards Gold from American Express offers a signup bonus of 25,000 MR points that worth $250 for customers who have spent $2,000. If you book the flight directly with the airline, you earn 3x points. You earn 2x points when shopping at grocery store, restaurant and purchase gas at a local gas station. You get 1x point credited into your account on purchases in other categories. The card also offers an annual fee credit that worth $100. There is no foreign transaction fee charges on purchases made overseas.

5. Blue Cash Everyday from American Express
Blue Cash Everyday from American Express offers a $100 signup bonus after you have spent $1,000 within a period of 3 months after account opening. The card has a zero percent intro offer during the first 12 months. You can earn 3% cash back on grocery and 2% cash back at the local gas station and department stores for up to a maximum of $6,000 per year. Other purchases spent on the card will earn 1% cash back.

Searching for the best credit cards in 2018? Stay tuned to bestcreditcards2018.net to help bring you the most up to date credit card promotions and offers in 2018!

7 Tips For Maximizing Cash Back Credit Cards in 2018

Most consumers love cash back credit cards. These reward credit cards, if used correctly can help you accumulate hundreds or potentially thousands of dollars in cash every year. We identified seven easy ways to use a cash back credit card this year to help you maximize the amount of cash back you can accumulate. With companies such as #Discover offering a cash back match card for 2018, its a great time take advantage of cash back credit card offers!

7 Tips For Maximizing Cash Back Credit Cards in 2018