Latest Posts

Major Credit Card Issuer’s Application Restrictions 2017

Credit cards are more popular than ever. In years past, most consumers only carried a single credit card. The select few carried two; an American Express charge card and a more widely accepted card. Over time however more and more people carry credit cards. This created an interesting problem that didn’t exist years ago. The…
Earn Extra Ultimate Rewards Points With Apple Pay

It’s nice to know people at Chase are reading this blog and making changes accordingly. Yesterday I wrote about a confusing email from Chase regarding the ability to earn 3X Ultimate Rewards points from Apple Pay purchases. The email confused me because it only reminded me that I could earn 3X points on travel and…
How To Use Marriott Free Night Certificates

I have a rather embarrassing confession to make. Until today, I’ve never used the Marriott free night certificate offered by the Marriott Rewards Premier credit card! I supposed I never used the them because until recently I didn’t exactly know how to Use Marriott free night certificates. While I realize this is a huge mistake,…
Earn 3X Ultimate Rewards Points With Apple Pay

A few weeks ago I received a rather interesting email from Chase. The subject of the email simply said “Convenient way to earn 3x points.” Within the email was a simple message from Chase. The message informed me of the ability to earn 3X UR points when using Apple Pay at select merchants. Specifically, when…
Earn 5X Citi ThankYou Points At Department Stores

No the title is not a typo and I didn’t mean to say Chase Ultimate Rewards points. Citi recently shocked customers by announcing a new offer for the 4th quarter of 2017. The offer, which is similar to Chase, is for Citi ThankYou Premier card holders to earn 5X ThankYou points at department stores. Specifically…
Earn 5X Ultimate Rewards Points At Department Stores

It’s officially the 4th quarter which means the Chase Freedom 4th quarter bonus category is now live! For Q4 2017 the Chase Freedom 5X bonus is on purchases at Department Stores and Walmart. That’s great news, especially considering most of us spend a lot of time in department stores during the holidays. It’s also great…
Earn Uber Credits With Visa Local Offers

A friend of mine recently sent me a link to the Visa Local Offer partnership with Uber. Until then I hadn’t heard about this program and I can’t believe I haven’t been using it. Visa Local Offers is an exciting opportunity to earn Uber credits on purchases made with a linked Visa credit card. The…
New American Express Cobalt Card Now Available (In Canada)

A few days ago I wrote about the new exiting American Express Cobalt card. At that time American Express pulled their “coming soon” teaser page. On various Reddit and FlyerTalk pages only a handful of people had reliable information about the card. The release of this card felt similar to the release of the Chase…
Refer Friends To Chase Cards Via The Mobile App

After opening a credit card and earning a massive sign-up bonus it’s often difficult to earn large sums of points. Once you earn the initial sign-up bonus, most future points come from annual spending. Occasionally you can request a retention offer from a card issuer, but those offers seem to shrink year after year. Overall…
New Card Alert: American Express Cobalt Card

I still can’t believe how many new and improved credit cards we’ve seen in 2017. Earlier this week Bank of America released a new exciting Premium Rewards card. Now, it appears American Express is releasing yet another new credit card. However, there’s one small catch. American Express’ newest credit card won’t be available in the…