Credit Card Benefits, Categorized By Benefit.

06/05/12, This post has been updated with current offers.

Originally posted on 10/04/11:

Related posts:
-Does Opening And Closing Cards Hurt Your Credit Score?
-Credit Card Reconsideration: Don’t Give Up!
-Need To Meet A Spending Threshold Deadline? Send And Receive $1,000/Month With No Fees Using Amazon Payments!

An important note on American Express cards: To apply for cards with the best possible offer (like 10,000 Starwood points for spending $1 and an additional 15,000 bonus points for spending $5,000) and without any error messages you can either 1. Clear out your browser’s cache and cookies (Keyboard shortcut is Ctrl+Shift+Delete), close your browser, and try the link again. 2. Use another browser (Firefox, Chrome, Internet Explorer, etc) to try the link. 3 Open an Incognito window (Keyboard shortcut is Ctrl+Shift+P in Internet Explorer and Firefox or Ctrl+Shift+N in Chrome), browse back to DansDeals and then open the link again.

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Want a specific card benefit? Here’s a guide to which card has the benefits you care about!
This isn’t an exhaustive list of every card or every benefit, but it’s a start. Feel free to post corrections or additions in the comments!

Checked Baggage:

American Express Delta Gold Consumer Card (Free for one year, then $95/year): 1 free bag for cardholder and up to 9 traveling companions.

American Express Delta Platinum Consumer Card ($150/year): 1 free bag for cardholder and up to 8 traveling companions.

American Express Delta Reserve Consumer Card ($450/year): 1 free bag for cardholder and up to 8 traveling companions.

American Express Delta Gold Business Card (Free for one year, then $95/year): 1 free bag for cardholder and up to 8 traveling companions.

Chase United Explorer Visa (Free for one year, then $95/year): 1 free bag for cardholder and 1 traveling companion.

Chase United Club ($395/year, send a secure message to request first year free): 2 free bags for cardholder and for 1 traveling companion.

Companion Certificates:

American Express Delta Gold Consumer Card: Annual $99 coach companion certificate upon renewal

American Express Delta Platinum Consumer Card: Annual free coach companion certificate upon renewal.

American Express Delta Reserve Consumer Card: Annual free coach or first class companion certificate upon renewal.

American Express Delta Gold Business Card: Annual $99 coach companion certificate upon renewal.

BOFA Alaska Airlines ($75/year): Annual $110 coach or first class companion certificate.

Chase British Airways ($95/year): Get a companion certificate valid in any class on an award redemption when you spend $30,000 in a calendar year.  Companion does have to pay fuel surcharges and taxes.

Elite Status:
American Express Starwood Consumer Card (Free for one year, then $65/year): Get 2 stays and 5 nights towards elite status.  Spend $30,000 in a calendar year for gold status.

American Express Starwood Business Card (Free for one year, then $65/year): Get 2 stays and 5 nights towards elite status.  Spend $30,000 in a calendar year for gold status.

American Express Platinum Consumer Charge Card ($450/year): Get Starwood Gold status for having the card as well as status with various car rental agencies.

American Express Platinum Business Charge Card ($450/year): Get Starwood Gold status for having the card as well as status with various car rental agencies.

American Express Delta Platinum Consumer Card: Earn 5,000 medallion qualifying miles after your first purchase. Earn 10,000 medallion qualifying miles when you spend $25,000 in a calendar year.  Earn another 10,000 medallion qualifying miles when you spend $50,000 in a calendar year.

American Express Delta Reserve Consumer Card: Earn 10,000 medallion qualifying miles after your first purchase.  Earn 15,000 medallion qualifying miles for yourself or gift to someone else when you spend $30,000 in a calendar year.  Earn another 15,000 medallion qualifying miles for yourself or gift to someone else when you spend $60,000 in a calendar year.

American Express Hilton Surpass ($75/year): Silver status for as long as you are a cardholder.  Gold status for one year.  Gold status for spending $20,000 in a calendar year. Diamond status for spending $40,000 in a calendar year.

Chase United Club: Hyatt Platinum status, Avis President’s Club status, and waives the four paid flight requirement for United status.

Chase Hyatt Visa Signature ($75/year): Platinum status (with free internet, upgrades, and bonus points) for as long as you are a cardholder. (Extra signup bonuses apply for existing Hyatt Platinum and Diamond members)

Chase Marriott (Free for one year, then $30/year): 10 nights towards elite status and an additional night with every $3,000 in spending.

Chase Marriott Premier ($65/year): 15 nights towards elite status and an additional night with every $3,000 in spending.

Chase Priority Club (Free for one year, then $49/year): Gold status (doesn’t do too much besides a point bonus on paid stays) for as long as you are a cardholder)

Enhanced Award Inventory:

Chase United
Explorer
, and Chase United Club cardholders receive last-seat standard award inventory in coach and first and well as expanded saver class award inventory in coach.

Foreign Exchange Fees Waived:
These are the cards to use when outside the US.

American Express Platinum Consumer Charge Card

American Express Platinum Business Charge Card

Chase Sapphire Preferred (Free for one year, then $95/year)

Chase United Club

Chase Hyatt Visa Signature

Chase Marriott Premier

Chase British Airways

Chase Business Ink Bold (Free for one year, then $95/year)

Chase Priority Club

Global Entry Fee Credit:
Get a statement credit equal to the $100 cost of applying for a 5 year membership for expedited immigration via a kiosk.

American Express Platinum Consumer Charge Card

American Express Platinum Business Charge Card

In-Flight Discounts:
American Express Delta Gold Consumer Card, American Express Delta Platinum Consumer Card, American Express Delta Reserve Consumer Card, American Express Delta Gold Business Card: Receive a 20% statement credit on in-flight purchases of food, alcoholic beverages, movies, television shows, video games and audio headsets.

Lost Item Insurance:
Most cards cover items that are stolen or damaged within 90 days of purchase.  These cards even cover lost items up to $10,000 within 90 days without the need for a police report:

American Express Platinum Consumer Charge Card

American Express Platinum Business Charge Card

Lounge Access:

American Express Platinum Consumer Charge Card: Access to American Airlines AAdmirals Club when flying American, Delta SkyClub when flying Delta, and USAirways lounge regardless of the airline you are flying on.  You may bring your spouse and children or 2 guests into these lounges for free.
You also receive Priority Pass which gives free access to the cardholder to hundreds of lounges worldwide.

American Express Platinum Business Charge Card: Access to American Airlines AAdmirals Club when flying American, Delta Sky Club when flying Delta, and USAirways Club even when not flying.  You may bring your spouse and children or 2 guests into these lounges for free.
You also receive Priority Pass which gives free access to the cardholder to hundreds of lounges worldwide.
You can also get a Regus membership for free access to Regus office lounges worldwide.

American Express Delta Reserve Consumer Card: Access to Delta Sky Club even when not flying. You may bring your spouse and children or 2 guests into the club for free.

Chase United Club: Access to United Clubs and many partner Star Alliance lounges even when not flying. You may bring your spouse and children or 2 guests into the club for free. You may also obtain gate passes for you and your guests to go past security and into the club.

Chase Business Ink Bold: 2 free lounge visits per year for primary and free secondary cardholders

Mileage Transfers At Favorable Ratios:
These cards allow to transfer into multiple different mileage programs whenever you need to, and at 1:1 or better ratios.

Membership Rewards offers instant transfers to numerous airlines and hotels.

American Express Premier Rewards Gold Charge Consumer Card (Free for one year, then $175/year)

American Express Open Gold Charge Business Card (Free for one year, then $175/year)

American Express Platinum Consumer Charge Card

American Express Platinum Business Charge Card

Starwood Starpoints offers transfers to dozens of airlines at a 20K:25K or even 20K:50K ratio with no fees.

American Express Starwood Consumer Card

American Express Starwood Business Card:

Chase Ultimate Rewards offers instant transfers into multiple airline and hotel programs with no fees.

Chase Sapphire Preferred

Chase Ink Bold Business Card

The following no-annual fee Chase Ultimate Rewards cards can transfer into miles only if you or someone you know has a Sapphire Preferred or Ink Bold card:

Chase Freedom (No annual fee)

Chase Sapphire Non-Preferred (No annual fee)

Chase Ink Cash Business Card (No annual fee)

Chase Ink Classic Business Card (No annual fee)

Non-expiring miles.

Chase United Explorer, and Chase United Club: Cardholder’s United miles will not expire.

Primary Car Rental CDW Insurance:

Chase United Explorer, and Chase United Club: Free primary CDW collision insurance so that even if you get into an accident the credit card will cover the damage to your rental car without having to file a claim with your insurance company like with most credit cards.

Priority Boarding (To have space for your carry-ons in the overhead bins!):

American Express Delta Gold Consumer Card, American Express Delta Platinum Consumer Card,
American Express Delta Reserve Consumer Card, American Express Delta Gold Business Card: Receive Zone 2 Priority Boarding for the cardholder and up to 8 traveling companions on Delta flights.

Chase United Club: Board with Silver Premier members.

Chase United Explorer: Board before the general public.

Renewal Bonuses:
You get these bonuses every year upon card renewal.

American Express Delta Gold Consumer Card: $99 coach companion certificate.

American Express Delta Platinum Consumer Card: Free coach companion certificate.

American Express Delta Reserve Consumer Card: Free coach or first class companion certificate.

American Express Delta Gold Business Card: $99 coach companion certificate.

BOFA Alaska Airlines: Annual $99 coach or first class companion certificate.

Chase United Explorer: 2 United Club Passes ($100 value)

Chase Hyatt Visa Signature: 1 free night (up to category 4)

Chase Marriott Premier: 1 free night (up to category 5)

Chase Southwest Visa Signature ($69/year): 3,000 points (good for up to $57 of flights).

Chase Priority Club: 1 free night.

Return Protection:
These cards allow you to return items to the credit card if the store you bought them at won’t take it back.  Return limit is $300 per item except for Sapphire Preferred which allows for $500 per item.

American Express Starwood Consumer Card

American Express Starwood Business Card

American Express Gold Charge Consumer Card

American Express Premier Rewards Gold Charge Consumer Card

American Express Open Gold Charge Business Card

American Express Platinum Consumer Charge Card

American Express Platinum Business Charge Card

Chase Sapphire Preferred

Chase United Club: Board with Silver Premier members.

Chase United Explorer Visa

Spending Category Bonuses:
Most airline cards offer double miles for purchases on that airline and aren’t included in this list.

American Express Blue Cash (No annual fee): 3% cash back at supermarkets, 2% cash back at gas stations and department stores.

American Express Blue Cash Preferred ($75/year): 6% cash back at supermarkets, 3% cash back at gas stations and department stores.

American Express Costco Card (No annual fee with paid Costco membership): 3% cash back on gas, 2% on travel and restaurants.

American Express Premier Rewards Gold Charge Consumer Card: Double points on gas and groceries. Triple points on airfare.

American Express Starwood Consumer Card: 25% more miles, earn a 25% mileage bonus for every 20,000 Starpoints transferred into miles.

American Express Open Gold Charge Business Card: 3 points for every dollar spent on airfare, 2 points for every dollar spent on gas, advertising, or shipping. 15,000 bonus points for spending $30,000 in a calendar year. Open Savings for up to 10% cash back at merchants like Hyatt, Hertz, Microsoft, Fedex, HP, OfficeMax, Marriott, Barnes and Noble, and more on top of Membership Rewards points.

American Express Platinum Business Charge Card: Open Savings for up to 10% cash back at merchants like Hyatt, Hertz, Microsoft, Fedex, HP, OfficeMax, Marriott, Barnes and Noble, and more on top of Membership Rewards points.

American Express Starwood Business Card: 25% more miles, earn a 25% mileage bonus for every 20,000 Starpoints transferred into miles. Open Savings for up to 10% cash back at merchants like Hyatt, Hertz, Microsoft, Fedex, HP, OfficeMax, Marriott, Barnes and Noble, and more on top of Starpoints.

American Express Simply Cash Business Card (No annual fee): 5% cash back on wireless and office supplies, 3% cash back on gas.
Open Savings for up to 10% cash back at merchants like Hyatt, Hertz, Microsoft, Fedex, HP, OfficeMax, Marriott, Barnes and Noble, and more on top of cash back.

Chase British Airways: 25% more miles, earn 1.25 miles per dollar spent everywhere

Chase Freedom: Rotating 5% point per dollar spending categories.  10% bonus points if you also have a Chase checking account.  10 bonus points for every transaction made if you also have a Chase checking account.

Chase Sapphire Preferred: 1.07 points per dollar for all purchases, 2.14 points per dollar on flights, hotels, car rentals, and dining (Charges made in airports, with travel agencies, at caterers, and on timeshares, trains, buses, taxis/limos, ferries, bridges, tolls, and parking also all qualify for 2.14 points!), 3.21 points per dollar for booking airfare and hotels through the Chase booking tool.

Chase United Club: 50% more miles, earn 1.5 miles for every spent everywhere.

Chase United Explorer Visa: 10,000 bonus points for spending $25,000 in a calendar year.

Chase Business Ink Cash Card: 5 points per dollar on wireless, landline, cable services, and office supplies, 2 points per dollar on gas and restaurants.

Chase Business Ink Classic Card: 5 points per dollar on wireless, landline, cable services, and office supplies, 2 points per dollar on gas and lodging.

Chase Business Ink Bold Card: 5 points per dollar on wireless, landline, cable services, and office supplies, 2 points per dollar on gas and lodging.

Discover More (No annual fee): Rotating 5% spending categories.

Terminal Access (without a paid ticket):

Chase United Club If there is a United Club in the airport then you can get into the secured terminal area by showing a checking agent your membership card and asking for gate passes to use the club.

Travel Credit:

American Express Platinum Consumer Charge Card: $200 credit to spend every calendar year on the airline of your choice.

American Express Platinum Business Charge Card: $200 credit to spend every calendar year on the airline of your choice.

American Express Blue Sky Preferred ($75/year): $100 credit to spend every calendar year on the airline of your choice.

Upgrades On Award Tickets:
Chase United Explorer, and Chase United Club: Elite cardholders are eligible for upgrades on award tickets when flying on upgrade eligible United flights.

Waived Award Expedite Fees:

Chase United Club cardholders don’t pay the $75 expedite fee for booking award tickets within 21 days of departure.

0% APR:

Chase Freedom: 15 months 0% APR on purchases and balance transfers.

Chase Slate (No annual fee): 15 months 0% APR on purchases and balance transfers. Plus balance transfers have no fees at all within 60 days of account opening!

Discover More: 15 months 0% APR on balance transfers and purchases.

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86 Responses to “Credit Card Benefits, Categorized By Benefit.”

  1. theyoungcouple Says:
    1

    WOW! How long did it take to put that together?

    Any possibility of editing it to include ALL annual fees and signup bonuses?

    Thanks, hope that didn’t sound too ungrateful.

    ReplyReply
  2. ruth Says:
    2

    if you have the particular card but don’t use it to purchase the flight you are on, can you still get the benefit of it, i.e. priority boarding status or checked baggage without fee etc?

    ReplyReply
  3. nitantel Says:
    3

    WOW! Beautiful!!

    ReplyReply
  4. yossi4k Says:
    4

    Dan you missed two.
    Free lounge access : Virgin Atlantic American Express® Card Black from Bank of America free membership in Regus (is airport lounges included ?)
    Rotating %5 cash back : Citibank Dividend World Mastercard

    ReplyReply
  5. Anonymous Says:
    5

    Thank you, Dan.

    ReplyReply
  6. fred Says:
    6

    @dan
    Can you post info on cards that give hotel room upgrades. I have the citi premier (for free of course….but that’s another story!) And I was told that there is a hotel upgrade benefit. I was also told that there is a companion ticket benefit. Do you have info on that?

    ReplyReply
  7. XXXX Says:
    7

    Can the United and Continental cards be used interchangeably for both airlines? Can I get free baggage on Continental with the United card?

    ReplyReply
  8. LG Says:
    8

    It’s not a world mastercard but the PenFed Premium Travel Rewards American Express® Card has CDW coverage In Israel. Last time I rented with Avis in Israel (Apr 2011), I had no problem getting CDW waived, and saved $100 in the process.

    ReplyReply
  9. Bitzy Says:
    9

    If I apply for a mileage plus explorer and am not approved for a signature but get a platinum instead, will I still get the bonus miles, free bag and priority boarding?

    ReplyReply
  10. Mutty Says:
    10

    Be advised that Avis in Yerushalayim will not accept the insurance from Citibank AAdvantage World Mastercard. They said, if you are in an accident you pay in full and then worry about the card. They even make you sign a document if you refuse to pay the insurance. Also, if you go to rent it in the morning in Israel, and you call Mastercard about the problem, there’s no one to speak to because of the time difference.

    ReplyReply
  11. Leeboy Says:
    11

    Great report
    thanks

    ReplyReply
  12. Dan Says:
    12

    @theyoungcouple:
    Quite a while!

    The annual fee should be listed by each card the first time it is mentioned. If it’s not, let me know.

    The point of this article really isn’t about signup bonuses, but about the fringe benefits of having different cards, which is why I didn’t include that info.

    @ruth:
    Yes, priority boarding and free baggage will apply even if you paid for the flight on another card.

    @nitantel:
    Thanks!

    @yossi4k:
    Thanks, Regus office membership doesn’t work in any airports.

    @fred:
    I don’t know of any hotel benefit with that card, and Citi’s companion certs are usually worthless.

    Cards that give hotel elite status, like the AMEX Platinum or the Hyatt Visa will help you with upgrades.

    @XXXX:
    Yes.

    @LG:
    Interesting. Did you get it in writing?
    Getting it waived is only half the battle, if you actually do have a problem you better hope you really are covered!

    @Bitzy:
    Yes, you will get the same signup bonus and bag/boarding benefits.

    @Mutty:
    Car rental companies in Israel are a bunch of con artists, ripping off everyone they can with false claims of “scratches” you caused. That’s why Israel is excluded from most credit card insurance, because they game the system so terribly.
    Be sure to take lots of pictures when you get the car and have the agent sign off on every tiny scratch or you will pay dearly for them!

    I rented with a WMC but Avis in Israel refused to supply them with proof of damage and the repair bill so my claim was denied. Then I disputed the charge and won because they didn’t respond to the dispute either :D

    ReplyReply
  13. Batya Says:
    13

    So I just received an application for Chase Sapphire Preferred in the mail offering a 100,000 point sign up bonus – do you think this is too good to be true?
    Also – what is the difference between regular chase sapphire and the sapphire preferred?
    Thanks so much for your site, its awesome!!

    ReplyReply
  14. Dan Says:
    14

    @Batya:
    That’s an incredible targeted offer, lucky you!

    The preferred card can transfer points into miles, gets double points in several categories, has no forex fees, gets a 7% annual points bonus (which will make your signup bonus 107,000 points), and is a heavier metal card.

    ReplyReply
  15. stever Says:
    15

    unbelieveable dan. your amazing!!!

    ReplyReply
  16. bc Says:
    16

    the chase sapphire preferred world master card and hsbc premier world mastercard is covered in israel for car rental insurance!

    ReplyReply
  17. chez Says:
    17

    Thank you for this incredible post! I’m sure it took a while to pull all of this info together!

    ReplyReply
  18. howard Says:
    18

    @bc: is this new/ in the fine print i have it says Israel is excluded(along with Ireland) same as continental chase.

    ReplyReply
  19. howard Says:
    19

    on a different note. i wanted to cancel my continental chase card and open a united. they said that i canot get the bonus as i got it already for the first card. also, i cannot transfer my credit line as the first card was not open for a full year yet(which would mean having to pay the renewed annual fee). any comments?

    ReplyReply
  20. ss Says:
    20

    @DAN. the united mileage plus return policy is good for how many days from the purchase?

    ReplyReply
  21. Dan Says:
    21

    @stever:
    @chez:
    Thanks guys :D

    @howard:
    They say lots of stuff. For now those 2 cards are still separate and you can get the bonus for both.

    The Chase reconsideration or credit analyst team is able to move credit lines around when you apply for a new card regardless of how long the card was open for.

    @ss:
    All return protections are for 90 days.
    AMEX has a premium return protection for $50/year that gets you 180 days and $600/item.

    ReplyReply
  22. sara Says:
    22

    thanks for the great post dan!!
    i saw that Batya got targeted 100,000 points for the chase saphirre preferred, anyway of also getting it (wanted to apply for that card).
    thanks again

    ReplyReply
  23. bc Says:
    23

    dan i just got letter confirmation from mastercard that it covers in israel!

    ReplyReply
  24. acker Says:
    24

    Thanks, Dan. You are the man!

    ReplyReply
  25. Dan Says:
    25

    @sara:
    Nope, Chase targets extremely few people with that offer and there’s no way for anyone else to get it.

    It’s a great card though and the current 50K offer (really 56k-62k after the spending and 7% bonuses are applied) is also a very good public offer as well.

    ReplyReply
  26. sara Says:
    26

    would u say to wait until i get targeted/or if comes up on DANS DEALS?
    thanks

    ReplyReply
  27. Dan Says:
    27

    @sara:
    Nope, you probably have a 1 in 5,000 chance of being targeted for that offer and I don’t see Chase improving the current 50K public offer anytime soon.

    ReplyReply
  28. sara Says:
    28

    sorry one more quest.
    if i dont care abt the protection on the chase sp, is it more worth it to get the freedom card (i do alot of small spending-10 points/transaction)
    thank you so much for all your time and effort that u put into this site!

    ReplyReply
  29. Dan Says:
    29

    @sara:
    An excellent combo would be to have to have
    -A Chase checking account (To get 10% bonus on all points + 10 points per transaction on the Freedom card)
    +
    -A Chase Freedom card (1 point per dollar + 5 points per dollar in rotating categories + 10% bonus on all points + 10 points per transaction)
    +
    -A Sapphire Preferred card (for transferring all Chase points into airline/hotel miles, for foreign purchases, and for 2.14-3.21 points per dining and travel purchases)
    +
    -An Ink Classic business card (for 5 miles per dollar on wireless, landline, cable services, and office supplies, and 2 points per dollar on gas and lodging.

    ReplyReply
  30. sara Says:
    30

    thank you vary much for the concise little write up!
    i think i will go for the freedom card since i can only sign up for 1 card!

    ReplyReply
  31. Dan Says:
    31

    @sara:
    Read up on the 3BM on DDF: http://www.dansdeals.com/forums/index.php?topic=8028.0

    ReplyReply
  32. sara Says:
    32

    don’t worry i did ;)
    can’t do it for…. reasons
    maybe someday i’ll try it…..

    ReplyReply
  33. interested Says:
    33

    Dan!
    I just read this and I want to personally thank you for such a clear and concise report!
    Very well written!
    Shkoyach

    ReplyReply
  34. yossi4k Says:
    34

    @Mutty: Are you referring specifically to the AA Citibank card or all Citibank World Mastercards

    ReplyReply
  35. fan of dan Says:
    35

    the new ba mileage program is it gonna b better then the former ba miles? and is it worth to wait to sell the miles then?

    ReplyReply
  36. Dan Says:
    36

    @fan of dan:
    It’s more likely to get worse.

    ReplyReply
  37. barry Says:
    37

    Dan
    can you forward this messege over to to Batya@…13

    you said…”received an application for Chase Sapphire Preferred in the mail offering a 100,000 point sign up bonus”
    …can you please send me the 10-digit target# and 3-digit offer#…
    a chase rep that they will honor the offer for me even if you already have used it…!!!
    please advise
    thanks
    Barry

    ReplyReply
  38. Dan Says:
    38

    @barry:
    Batya did not leave an email address. However I highly doubt Chase will give you 100k points based on a targeted invitation that’s good just for her.

    ReplyReply
  39. Dan Says:
    39

    Incredibly comprehensive, thanks Dan. Would greatly appreciate your sage advice: I was declined for Sapphire Preferred two weeks ago (used your link, of course :) I suspect it has to do with my opening a Starwood card two months ago-first card solely under my name, one month my statement was $1,800 out of a $2,000 credit line, prob hurt my utilization score. ) Called Reconsideration, they put the app in again after tinkering with something and was denied again. Couldn’t offer to shift credit lines around bec didn’t have another Chase card. So I just applied and received the Freedom card, $1,700 credit line. Stupid me didn’t 3 browser (on either card) to get more credit line to play with. Question: Do you think the $1,700 Freedom credit line could be enough for them to play around with a transfer and get approved? Thanks!

    ReplyReply
  40. Mendel Says:
    40

    Additions:

    Bank of America World Mastercard offers CDW coverage in Israel (just tried it). You need to have $1500 available credit on the card.

    Capital One cards do not charge foreign exchange fees.

    ReplyReply
  41. Josh Says:
    41

    Citibank ThankYou Preferred World Mastercard (No annual fee)
    Link does not work

    ReplyReply
  42. Dan Says:
    42

    @Josh:
    Fixed, thanks!

    ReplyReply
  43. mannygreen Says:
    43

    Hi Dan I’m new at the whole credit card thing, i would love to get miles etc,please tell me what i should do? thanks

    ReplyReply
  44. miri Says:
    44

    can someone tell me which card is better since both eliminate foreign transaction fees: amex platinum or chase sapphire preferred…what’s the difference between the 2 if i already have the amex starwood but will be spending $ abroad?

    ReplyReply
  45. abe Says:
    45

    Which card has price protection?

    ReplyReply
  46. karen cagle Says:
    46

    RE your post : Chase Continental OnePass Plus Mastercard, Chase United Mileage Plus Explorer Visa, and Chase Continental Presidential Plus: Elite cardholders are eligible for upgrades on award tickets when flying on upgrade eligible Continental and United flights.
    My question is HOW do i become or know if i am an ELITE cardholder??

    ReplyReply
  47. Michael Says:
    47

    I recently had a baby and am making a lot of moderately expensive purchases. carriage, swing, crib etc. I have Chase Freedom, Blue american express, BP and continental. What would be the best card to purchase these items on? for the most points and the best protection in terms of something breaking..

    ReplyReply
  48. Michael Says:
    48

    …or should I apply to a different card?

    ReplyReply
  49. yitz Says:
    49

    Do you have a link on your site to include ALL annual fees and signup bonuses?. Really great work

    ReplyReply
  50. Dan Says:
    50

    @yitz:
    Closest thing would be:
    http://www.dansdeals.com/credit-cards
    http://www.dansdeals.com/forums/index.php?topic=8028

    ReplyReply
  51. Ridiculous!!!! Says:
    51

    WWWWOOOOOOWWWWW. This is gold!!!!!! BTW- Through Dan I was able to fly my inlaws in from Israel Round Trip, get 500 dollars gift certificates, fly them to Florida Round Trip and set them up in NICE hotels for 2 nights. All almost FREE.

    ReplyReply
  52. tt Says:
    52

    no mention about the fairmont chase card?

    ReplyReply
  53. hudi Says:
    53

    Chase club- What does it mean waives the four paid flight requirement for United status?

    ReplyReply
  54. Dan Says:
    54

    @Ridiculous!!!!:
    Nice!

    @tt:
    I haven’t done much research into it, but from what I saw that card is a really terrible card for spending. However it does have a sweet signup bonus (though most people don’t realize that it’s nearly impossible to get a free night at the Plaza or Savoy), though the point of this article isn’t about the signup bonus, it’s about other benefits.

    @hudi:
    You normally need 4 paid flight segments on top of elite qualifying miles to attain United elite status.

    ReplyReply
  55. Mo Says:
    55

    I have the Ink Bold card, andIi never received 2 free lounge passes. I also did not see any mention of that anywhere in the credit card offer.

    ReplyReply
  56. Dan Says:
    56

    @Mo:
    http://www.loungeclub.com/inkcard
    Use code: CHASEINK

    ReplyReply
  57. Mo Says:
    57

    Does this offer for the Ink Bold lounge access expire?

    ReplyReply
  58. Desperate Says:
    58

    Dan whats a good cc to open with little credit! I have good credit but not enough. I applied for the Amex and chase (thru your link ) and was denied due to lack of enough credit” . Are there any that you can reccomend that are a bit easier. (Amex is usually tough)

    ReplyReply
  59. miles Says:
    59

    American Express Delta Platinum Consumer Card:
    Earn 15,000 medallion qualifying miles when you spend $25,000 in a calendar year. Earn another 15,000 medallion qualifying miles when you spend $50,000 in a calendar year.
    i thing for the platinum its only 10MQM and 10MQM not 15

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  60. Harold Says:
    60

    Foreign Exchange Fees Waived: try CAPITAL 1 card

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  61. Dan Says:
    61

    @Mo:
    No.

    @Desperate:
    Try for a store card (Gap, Target, etc) first.

    @miles:
    Looks like it changed since last October, thanks.

    @Harold:
    Sure, but it takes 3 hard pulls to get 1 card from them instead of 1 hard pull, they have no reconsideration department like AMEX or Chas, and have fun using those points on an expensive ticket-you’ll need millions of them!

    ReplyReply
  62. mosie Says:
    62

    with the united elite, can i book for my friend on the same flight as me, and he will get the xtra baggage also, b/c it will say elite ticket on his ticket?

    ReplyReply
  63. tt Says:
    63

    @dan about fairmont card it comes with lounge pass, 2 times/year and one free stay /year after 12k spending.

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  64. aaron Says:
    64

    I have the chase priority club and they just recently instituted that you have platinum priority club membership as long as you have the chase pc visa this is besides
    Annual Free Night worldwide
    No foreign transaction fees
    Earn 2 points per $1 spent at
    gas stations, grocery stores
    and restaurants
    Earn 1 point per $1 spent on
    all other purchases

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  65. TZvee Says:
    65

    hey dan wow amazing job! :-) reaLLy have tons of hacoras hatov.

    now; i live in israel, i go to america at least once a yr. is it worth it to get one of these 450 yr caRds? and if so which one. i see one amex plaitnum has 200 credit towrds flying and free baggage, in short thats like 400$ savings (including my wife extra bag)or does it make sense to get a chase united cards (whats better explorer or just miles plus? also whats the diff)? also it says first bag free is that also apply when i fly international? meaning the second bag is free bec first one is already. i already have the SPG* and the prefferred (WMC – thanks 2 u :-) so i dont need forex fees waived.

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  66. aaron Says:
    66

    Dan-are these aforementioned reasons enough to keep the chase pc card for more than the year(and then pay the yearly fee)if I have the sapphire preferred anyway?

    ReplyReply
  67. ralph Says:
    67

    why don’t you post the usairways 40k and the hawaii card 35k
    and the virgin atlantic 55k?

    ReplyReply
  68. Dan Says:
    68

    @mosie:
    When you redeem United miles for someone else they receive the benefits that you would receive.

    @tt:
    The problem is that the 12K in spending doesn’t get you much of anything and I’d rather spend the $12K on other cards that give more rewards for the points. Still I will look into the card more, thanks.

    @aaron:
    The problem with Priority Club is that their points are worth less than a third of what other points, like Starpoints, are worth.

    @TZvee:
    AMEX Platinum doesn’t give free bags, but you do get $200 per calendar year of free travel fees like baggage or gift cards.
    United Club gives 2 free bags. The Club card gives 1.5 miles per dollar spent, far more than the Sapphire Preferred, and there’s no Forex on it.
    United Explorer only gives 1 free bag, so for Israel there’s no benefit of the Explorer card, still just 1 free bag.

    @aaron:
    That depends on if you will use the free night at a nice hotel. The Platinum status won’t get you much of anything. Otherwise the card itself is nothing special as the points are worth so little and can be bought directly from them for just 0.7 cents each.

    @ralph:
    USAirways card turned me off by giving my wife only a 10K signup bonus last year instead of the advertised 40K and refused to give her any anniversary benefit as they ddin’t give her the top level of the card.

    Virgin miles always carry extremely high fuel surcharges.

    Haven’t looked into the Hawaiian card, but their award availability is dismal and they don’t belong to any alliance to redeem on.

    ReplyReply
  69. TZvee Says:
    69

    @Dan:
    hi dan, ok thanks so much! also if i do sign up for the united club; do i get 2 free bags for any airline i fly? do i always get to use the lounges even if i dont fly united/star alliance? also why am i even keeping my prefferred? should i downgrade it and just use this card?

    ReplyReply
  70. Anonymous Says:
    70

    Great post! thank you!

    About the Amex Platinum: Does the MB Platinum also have the $200 travel credit or only the regular Platinum?

    Thank you once again for another great post!

    ReplyReply
  71. M Says:
    71

    Months ago, I signed up and got approved for the AMEX Starwood Consumer Card without knowing about or receiving the Starpoints sign up bonus. Anything I can do to receive them?

    ReplyReply
  72. Avi Says:
    72

    I downgraded platinum to zync, but I still use the actual platinum card as it is the same account #, will it still grant me entry to lounges in airports? When they swipe do they want to know if the card is merely active or can they see if it’s still platinum status? thanks

    ReplyReply
  73. Dan Says:
    73

    @TZvee:
    -2 free bags on United only.
    -You don’t need to even be flying for lounge access.
    -Sapphire Preferred is $95, United Club is $395, though via SM they will waive that fee.

    @Anonymous:
    I believe that it does have that as well.

    @M:
    Where did you signup for it?

    @Avi:
    It will still work…even if it’s cancelled.

    ReplyReply
  74. YYB Says:
    74

    Hey Dan, when you said Cap 1 does three hard pulls, how long do those pulls affect your credit before they fall off?

    All the other guys were denying a new card since I already have cards with them, and Cap 1 never heard of me before, so I went with them and was immediately accepted and have a cool pic of my son at the kotel on the card face for a no fee card, for my son’s spending in EY of about $200 – $300 per month.
    I didn’t see a better alternative.
    Thanks Dan, for a great website.

    ReplyReply
  75. Dan Says:
    75

    @YYB:
    Chase Recon is very negotiable and amenable to approving cards by shifting lines or closing old cards if need be and you can get 3 cards with 1 pull.

    Hard pulls stay on your report for about 2 years.

    ReplyReply
  76. deal lurker Says:
    76

    Hey Dan, great post!
    Doesn’t the ink bold business card have primary collision insurance?

    ReplyReply
  77. Andrew Says:
    77

    I think the fairmont chase benefits are worthy of being added.

    Signup bonus alone is worth $1000 – $1500

    Lets say you use them in the beautiful Millennium Park Chicago, Beijing, or Santa Monica Miramar

    2 Night Voucher (worth $300 a night avg)
    $100 in Breakfast Credits
    $200 in Food Credits
    3 Gold Upgrades (100 per night / max 5 nights per cert ($1500, or lets value at 20% $300)
    2 Lounge Visits for 2 persons ($100 value)
    Primary CDW, No FX Fees, First year annual fee waived
    12,000 in Spend=Another night Voucher ($300)

    AND
    And the spend earns you 60,000 points for an additional free night. (5% back on the spend) that can be cashed out or used for 1-2 more nights stay.

    ReplyReply
  78. Dan Says:
    78

    @deal lurker:
    I think only if it is a bona fide business rental.

    @Andrew:
    What in the world? What card are you looking at??

    -You do get 2 nights for signing up which is very nice if you can make use of a Fairmont hotel, though again, this post isn’t about signup bonuses.
    -I wouldn’t value free breakfast at $100 even if I did eat non-kosher.
    -Where do you see that base members receive any food credit at all?
    -Where do you that base members receive any gold upgrades?
    -2 lounge visits may cost $100, though 99% of people would ever pay that much.
    -Primary CDW, no FX, first year free are things you can get with United Club along with a full membership and 1.5 United miles per dollar everywhere.
    -$12,000 in everyday spend earns 12,000 points, not 60,000 points! Category 3 room awards go for 45,000 points per night and category 4 rooms go for 65,000 points per night, a value of less than 1 cent per point.

    ReplyReply
  79. YYB Says:
    79

    @Dan:
    If I open two cards using two browsers for Chase it would still only be one pull?

    How close together do the apps have to be to count on the same pull?

    Thanks for your response.

    ReplyReply
  80. David Says:
    80

    Hey Dan,
    Hope all is well.
    My wife got an offer from Citi yesterday for which I would like your input. It is the Citi Thankyou premier card with 50K points ($500 in gift card and $665 in airfare). Earn 1.2 points for every dollar spent. Domestic companion ticket each year. No foreign purchase transaction (do not really care as I have two other credit cards like this), points do not expire, $125 fee waived the 1st year.
    Do you think it is worth it?
    Thanks

    ReplyReply
  81. Chaim Says:
    81

    @Dan, re non-expiring miles,
    Although this “benefit” is advertised by united, it is essentially meaningless, as the annual fee creates annual activity in the account, so it never reaches 18 months without activity. If you do list it as a benefit, same should apply to any card with an annual fee and miles/points that would otherwise expire, such as the various citi aadvantage cards.

    ReplyReply
  82. Dan Says:
    82

    @YYB:
    Try to time it as close together as possible.
    2 or 3 at the same time-1 pull.

    @David:
    Good offer, but just realize that ThankYou points are not as valuable as real airline miles and as of today still can’t be transferred into real miles.

    @Chaim:
    An annual fee does not give you miles and does not count as account activity.
    Having a Citi AA card for example will not keep your AA miles alive without using the card once every 18 months.

    ReplyReply
  83. goodboy Says:
    83

    tanx tuns

    do u have any info about accumulating 1000.000 miles on aa
    dose it give u any status?

    ReplyReply
  84. Moishebatchy Says:
    84

    Hey Dan, great roundup. Just a suggestion… How about adding another category, for cards that do/don’t cover CDW/TP in Israel?

    ReplyReply
  85. TZvee Says:
    85

    hi dan, ok so here it goes. i think i will sign up for the 2 chase united cards. they sound good esp if i can, not have a first yr payment and then i will churn them at the end of the yr. (w/o putting in my milage number :-) but i have a few q’s about the cards. do i have to buy my tickets with my card in order to get the free baggage? how do i get a membership card for united club card? also whats it mean it waives the 4 paid flight requirement for united. (also does this all apply to all star alliance airlines) and whats does it mean enhanced award itinerary? whats last seat standard? etc also what does it mean board with premier members? am i able to get upgraded with a paid ticket if the seat is open? what about the point system? which card should i spend in order to recieve points? n(i think thats why i want to sign ip for both the club card doesnt really give good points but the explorer card does…is this true? – i also have the preffered WMC already.
    thank you so much for your help!

    ReplyReply
  86. Bluegrassyid Says:
    86

    Can you please tell me the best credit card whic offers Avios points? Thank you

    ReplyReply

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