![]() ![]() Any annual fee is going to wipe that out.Īnother consideration is that your credit is probably not stellar yet. At $400 per month you are looking at less than $100 a year if you just go for a 2% card. I get back from Ireland about a week before my 90 days is up, so if I am still not over the goal I will just pick up gift cards to get me there.Īt your spend level you are never going to earn much on your normal spend. Income tax will cost me 1.87% in fees, but since I expect to earn at least 2% in ultimate rewards points I don't really lose and it gets me closer to the 60,000 point bonus. I timed my application to cover my income tax payment, car insurance bill and upcoming vacation to Ireland. For example, I'm working on the Chase Ink Plus right now that is a $5000 spend in 90 days. You may need to time applications for major purchases. for your friends and have them pay you cash (up front)? Can you pay tuition with a card (watch for fees)? Books? Order from Amazon, etc. ![]() First, put every dime you pay for something on the card - even dollar menu items from McDonald's. ![]() There are many ways to meet minimum spend with minimal to no cost. Interest rates are not something I need to worry about. I am capable of handling more than one credit card at a time. I am a responsible spender with no credit issues, and always pay off my balances in full each statement period. Offers rewards of some sort (redeemable for cash back preferred) If it is suggested that I do also carry a MasterCard, can you provide me with any suggestions? Ideally, I would look for: While abroad, how likely is it to encounter a merchant who may accept MasterCard, but not Visa? In the US, any merchant that accepts credit cards will accept either of the two (or at least I have not encountered an exception yet). That is why I got a Capital One Visa card with less, but still good enough, rewards. Discover offers great benefits and rewards, but I know Discover's acceptance abroad is expected to be even spottier than it already is in the US. You can do this from your account overview page after logging in to Chase.I do have a Capital One Visa card and a Discover card - both have no foreign transaction fees. If you applied for the card within the last few months, it's definitely worth sending Chase a message to see if it'll honor the increased bonus. Remember that you have until midway through the last month of the quarter to register for the 5% bonus, so if you apply now, you'll receive the card in plenty of time to register before the December 14th deadline. When you also have a premium card like the Chase Sapphire Preferred Card ( which has its own increased bonus offer) or Ink Plus Business Card, the earnings on the Freedom can actually be converted to more valuable (and transferable) Ultimate Rewards points. However, as Jason Steele wrote about earlier this year, the Freedom isn't just another cash-back card. You can now earn a bonus of $150 cash back after you spend $500 on purchases in your first three months from account opening when you apply and are approved for the Chase Freedom card (No longer open to new applicants). Taking advantage of limited-time offers on top travel rewards credit cards is a great way to boost your account balances and unlock valuable redemptions, and today a popular card has launched an increased sign-up bonus. Update: Some offers mentioned below are no longer available. ![]()
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