- Chase United MP Explorer is offering a public 55K miles bonus, without an annual fee waiver. For quite some time, the same offer is targeted to many United MP members, and of course the public offer is always better. Note that the business version still offers a 50K mile bonus with the first year annual fee waiver.
- We noticed the landing page for JPM Ritz-Carlton Visa's three Tier 1-4 free night offer was dead and re-directed to the new (and reduced) offer of two free nights. The old application link was kept alive for a few days before pulled. However, there is a landing page for three free nights that indicates an expiration date of November 30, 2016. You may try it at your discretion, with the worst scenario being you just receive two free nights instead of three. Note that Ritz-Carlton Visa is currently exempt from the infamous Chase 5/24 rule which disqualifies you from getting a new Chase card if you have opened five or more credit card accounts in the previous 24 months. As long as you did not receive a signup bonus on the Ritz-Carlton Card within 24 months, you are eligible for the new signup bonus. Keep in mind that you can't redeem the free Tier 1-4 certificates at 13 top-tier (Tier 5) properties including The Ritz-Carlton in New York Central Park, Bachelor Gulch, Naples, Miami South Beach, Miami Bal Harbour, Miami Key Biscayne, Grand Cayman, St. Thomas, Tokyo, Kyoto, Hong Kong, Shanghai Pudong, and Dubai. However, there are still some amazing properties that are Tier 1-4, such as the ones in Half Moon Bay (rates from $599 per night), San Fransisco (from $399), Laguna Niguel (from $479), Los Angeles (from $409), Washington DC (from $329), Georgetown Washington DC (from $409), Boston (from $345), Dallas (from $399), Charlotte (from $399), Reynolds Lake Oconee (from $309), Maui Kapalua (from $399), Cancun (from $299), Aruba (from $299), Hotel de la Paix in Geneva (from $475), Vienna (from $360), Herzliya (from $395), and Macau (from $460)
- We discovered the website for Visa Infinite Hotels that is available to any U.S. issued Visa Infinite card. Visit VisaInfiniteHotels.com to book a hotel - you have to type in your Visa Infinite card number before start searching for hotels. Visa Infinite Hotel Collection covers a subset (~200) of Visa Signature hotels (900+ luxury hotels and resorts worldwide) but offers an extra perk such as a $75 dining credit or $100 spa/hotel/rate credit per stay, in addition to Visa Signature Hotel Collection's 7 perks (guaranteed lowest rates, daily complimentary breakfasts for two, room upgrades upon availability, late checkout upon availability, $25 food and beverage credit per stay, free room wi-fi, and VIP amenities). Currently, the only three U.S. issued Visa Infinite cards - CNB Crystal, Chase Sapphire Reserve / JPM Reserve, and JPM Ritz-Carlton Card - participate in both programs.
February 8, 2017 Update - Chase United MP Explorer 55,000 miles, Ritz-Carlton Visa three free nights ending soon, and details of Visa Infinite Hotels
There have been quite some updates throughout the site and these are the highlights for the past week.
January 29, 2017 Update - Avianca LifeMiles Visa 60,000 miles, Amex Business Platinum down to 75,000 points, Amex SimplyCash Plus Business $400
We have been making updates throughout the site and this post highlights some changes:
This is Sean, aka Dr. Credit Card. First of all, I would like to wish every reader of the site a happy 2017! It is pretty crazy that the last blog post was almost two months ago - I bought a new house and moved in recently and have been unable to keep up. Even though there have been updates on the site here and there, I wish more could have been done. Now we have been slowly settling in, the site should be back to normal. Here are some highlights of the recent updates.
We have been continuing updating our site and here is the highlight of the week.
Chase brought to us Ink Preferred exactly as rumored. Ink Preferred replaces Ink Plus as the $95 premium Ultimate Rewards (UR) business card. The existing Ink Plus customers will be grandfathered in for all features and could receive the signup bonus on Ink Preferred as long as they qualify under the infamous 5/24 rule. "5/24 rule" is a Chase internal rule that makes obtaining a new Chase card almost impossible when you have opened five or more credit cards (regardless of issuers) in the last 24 months. Ink Preferred offers an amazing 80,000 UR points signup bonus, which is worth $1,200 in our book. The annual fee is not waived when you apply online, but may be waived when you apply in branch. Ink Preferred offers very different bonus categories from Ink Plus: 3x travel, shipping, advertising through search engines and social media, and phone / internet / cable services, and 1x everywhere else. Ink Preferred will be a great combo to pair with the non-fee Ink Cash, as together they will cover 7 bonus categories that are essential to business. Please see our review for details.
Amex has been fighting back, as Chase has been very aggressive to take its market shares. Last month, they revamped the iconic Platinum Card, both personal and business versions. They also upped the signup offer on Business Platinum Card to 100K points. Now they have made available a public 100K offer through a special link. It is recommended that you use private browsing mode in your browser if you don't see this offer. 100,000 Membership Rewards points are worth $1,500 in our book. Keep in mind that Amex is even more stringent than Chase when coming to signup bonus: if you receive a bonus on the same product ever before, you will get the card when you are approved but won't get the bonus again.
November 11, 2016 Updates - BofA MERRILL+ Visa 50,000 points (our value $800), super-exclusive Merrill Lynch Octave Amex review, new Chase Marriott Visa offer (two free nights and more)
We have been continuing to make updates throughout the site. Here are some highlights:
October 21, 2016 Updates - Wyndham Visa devaluated & 2x points at small businesses on Amex cards through 2016
We have been continuing to make updates throughout the site. Here we would like to highlight a few important ones:
In addition, you may find the following news interesting.
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We updated several pages throughout the site, including "All About Credit Card Rewards" and "US Bank FlexPerks Credit Cards". We are copying some highlights here. For the full details please visit the reviews directly.
Best Rewards Credit Card Combos
Theoretically you need way too many cards to maximize rewards - one for gas, one for groceries, one for dining, one for airfare, one for hotels, one for general spending, and so on. In real life, most of us can't manager that. That is why here we will recommend the best two-card combos that will hand you much bigger rewards than a single card while still keeping things manageable.
US Bank FlexPerks Credit Cards
Currently, there are four FlexPerks cards: FlexPerks Select+ Amex, FlexPerks Travel Rewards Visa Signature, FlexPerks Gold Amex, FlexPerks Business Edge Travel Rewards Visa Signature.
FlexPerks Select+ American Express
FlexPerks Travel Rewards Visa Signature
FlexPerks Gold American Express
FlexPerks BUSINESS Edge Travel Rewards Visa Signature
As long as your spending on the bonus categories exceeds a certain percentage of your total spending, FlexPerks TR Visa or FlexPerks Gold Amex will beat a 2% cashback card such as Fidelity Visa. For most consumers, FlexPerks Gold Amex is a better card than FlexPerks TR Visa. US Bank FlexPerks Gold Amex is rated as one of the Best Credit Cards for Rewards.
We have been working on numerous updates throughout the site during the last couple of weeks. Here I would like to highlight some updates.
Chase Sapphire Reserve Visa Infinite is finally here with an incredible 100K points bonus and officially rated #1 Best Credit Card by Dr. Credit Card
The wait is totally worth it! It has been rumored for several months that Chase would introduce this high-end Sapphire in August with a 100K points signup bonus - and now everything has come true. Please see our review for the new Sapphire Reserve Visa Infinite for details of this new favorite. Here is the new card in a nutshell:
Sapphire Reserve is now ranked #1 in signup bonus, #3 in rewards, #9 in perks, and #3 in protection, among all credit cards. By a large margin, it beats Citi Prestige to become the new #1 Best Credit Card by Dr. Credit Card! Let's look at side-by-side comparison of the old (left) and new (right) lists of Top 10 Best Credit Cards by Dr. Credit Card:
There are several changes: (1) Chase Sapphire Preferred uncrowns Citi Prestige, while Barclays Arrival Plus WEMC falls off the Top 10 list; (2) Citi ThankYou Premier falls from #2 to #6 due to its disappearing signup bonus; (3) there are some minor adjustments due to some changes in signup bonus and perks.
The last thing to know before applying Sapphire Reserve is that the so-called Chase 5/24 rule seems to be strictly enforced for online applications: if you have 5 or more new accounts opened and shown on your credit report in the past 24 months, including credit cards from all banks, possibly mortgages, loans, lines of credit, and even accounts as authorized users, you will get denied automatically by Chase. There are reports which indicated (1) applying in Chase branch when you pre-qualifies for the card or (2) applying as a Chase Private Client may bypass the 5/24 rule.
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J.P. Morgan Ritz-Carlton Card is now a Visa Infinite, with increased signup bonus, benefits, and annual fees
Over the weekend, the Ritz-Carlton website was updated to reflect an updated Ritz-Carlton Rewards Card. See the Visa Infinite logo? Yes, this is the first Visa Infinite product issued by Chase, and also among the major U.S. financial institutions. Previously, the only known U.S. Visa Infinite product was City National Bank's Crystal Card. Let's take a look at the changes from the Visa Signature version.
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Dr. Credit Card helps you to find the best cards and the best signup deals for you!