#American Express Business Gold Card Review

[guiderichess]

Is it hard to get an Amex Gold business card?

The Amex Gold Business Card stands out as a premier option for business owners who want a combination of rewards and flexibility. Known for its robust rewards system and extensive travel benefits, this card offers both business utility and personal perks. However, it also comes with specific prerequisites and a detailed application process.

What is the Amex Gold Business Card?

The Amex Gold Business Card, issued by American Express, is tailored for business owners seeking to optimize rewards and manage their finances effectively. Unlike personal credit cards, it focuses on business expenses and provides a sophisticated rewards program alongside travel and purchase protections. This makes it an invaluable tool for modern entrepreneurs.

For more details on the Amex Gold Business Card, visit the American Express website.

Features and Benefits of the Amex Gold Business Card

The Amex Gold Business Card is distinguished by its comprehensive range of benefits:

Generous Rewards Program

Travel and Purchase Protections

For an in-depth review of these benefits, check out NerdWallet's review.

Eligibility Requirements for the Amex Gold Business Card

To be eligible for the Amex Gold Business Card, applicants must meet several criteria:

Assessing Your Creditworthiness and Financial Stability

Evaluating your creditworthiness is crucial before applying. American Express reviews both personal and business credit reports to assess financial reliability. A strong credit score (generally above 700), a healthy debt-to-income ratio, and a history of timely payments are essential.

For more information on how creditworthiness impacts your application, refer to Experian's guide.

Income and Business Size Requirements

Learn more about income and business size requirements from Forbes.

Impact of Personal Credit Score on Application

Your personal credit score is a significant factor. Although the card is intended for business use, American Express considers personal credit history to determine overall creditworthiness. A high personal credit score can improve the chances of approval and enhance credit limits and terms.

For insights on how personal credit scores affect your application, see Credit Karma.

Application Process for the Amex Gold Business Card

The application process involves several steps:

Step-by-Step Guide to Applying

Common Pitfalls to Avoid During the Application

For additional tips on avoiding application pitfalls, see The Points Guy.

Alternative Business Cards to Consider

While the Amex Gold Business Card offers many advantages, exploring other options can be beneficial. Alternative business cards may offer competitive rewards programs, lower fees, or specialized benefits.

Comparing the Amex Gold with Other Business Credit Cards

When comparing alternatives, consider:

Evaluating the Pros and Cons of Different Options

Each business credit card has its strengths and limitations. The Amex Gold excels in rewards for dining and travel but may come with higher fees. Conversely, other cards might offer lower fees or different rewards categories. Weighing these factors will help you choose the card that best suits your business needs.

For a comparison of business credit cards, visit GuideRichess.

[thomasonblog]

The Best American Express Card for Shopping

Choosing the Best American Express for Shopping Shopping can be fun, but it can also be expensive. Luckily, American Express offers cards that can make your shopping experience better. There are several cards to choose from, but which one is the best for shopping? The answer depends on what you buy most. If you love to shop online or at stores, the right card can give you rewards and benefits. American Express has cards with cashback, points, and discounts, all designed to save you money while you shop. Let’s take a look at the top cards for shopping.

The American Express Blue Cash Preferred Card One of the best American Express cards for shopping is the Blue Cash Preferred card. This card offers great rewards for everyday purchases, especially at supermarkets and gas stations. You earn 6% cashback on purchases at U.S. supermarkets (up to $6,000 a year). That’s a big help if you do a lot of shopping for groceries or household goods. The card also gives 3% cashback on gas and transit. Many shoppers love this card because it rewards them for things they buy regularly. Some customers say, “This card helped me save a lot on groceries.” It’s perfect if you want cash back that you can use for other purchases. There is a yearly fee, but the rewards are worth it.

The American Express Gold Card Another great option is the American Express Gold card. This card is perfect if you shop for dining and groceries. You earn 4x points at restaurants, including takeout and delivery. You also earn 3x points on travel, which is a bonus for those who shop while traveling. Many shoppers love the flexible rewards system. You can use the points for gift cards, travel, or even merchandise. One reviewer said, “I’ve been able to redeem my points for discounts at stores I love.” This card doesn’t have a cashback option, but the points you earn are valuable. Plus, the benefits like dining credits make it an excellent choice for food lovers and shoppers who want to get more out of their spending.

This content highlights the best American Express cards for shopping, using easy language and practical examples to show the benefits of each card. It focuses on the rewards system and real-life experiences to help readers make an informed decision.

Discover BizPathUsa: Your Comprehensive Source for USA Contact Information

For in-depth access to extensive USA contact details, explore the BizPathUsa directory. Offering a wide array of listings, this resource ensures you can find specific contacts across various industries and regions within the United States. Whether you’re searching for business contacts, customer service numbers, or professional connections, BizPathUsa is a dependable platform to streamline your search. Utilize its user friendly interface and vast database to access the most relevant and current contact information tailored to your needs. Efficiently uncover detailed American business contact information with the BizPathUsa directory today.

[aircardpoints]

American Express Business Gold Card: A Comprehensive Review

American Express Business Gold Card: A Comprehensive Review

Earn 100,000 Membership Rewards® Points after spending $15,000 on eligible purchases in the first 3 months.Points can be redeemed for up to $1,000 in travel, gift cards, or statement credits.APPLY NOW The American Express Business Gold Card is designed for business owners seeking to maximize rewards in their highest spending categories while enjoying robust benefits tailored to their needs. With…

[dentalimplant0]

American Express business credit card approval hack (Get Approved Instantly)

Maximizing American Express Card Benefits: A Credit Specialist's Perspective

Top 5 American Express Cards to Consider

American Express Blue Cash and American Express Business Plus Cards: These revolving credit cards offer a 12-month interest-free period on purchases.

Marriott Bonvoy Card: Earn up to 150,000 points by spending $6,000 over a 6-month period.

Hilton Honors Card: Earn $75,000 points by spending $3,000 within 6 months.

Key Considerations

American Express Soft Pulls: American Express typically performs a soft pull on your credit, allowing you to have multiple cards without significant impact.

Charge Card Considerations: Charge cards can show as maxed out on your credit report, even for small purchases.

Credit Limit Increases: Avoid requesting credit limit increases beyond three times your initial limit to prevent financial reviews.

Additional Options

American Express Plum Card: Offers a 60-day interest-free period and potential discounts for early payment.

Gold Delta SkyMiles Card: An easy-to-obtain American Express card that can help you earn travel rewards.

Strategies for Debt Management

Use credit cards to pay tax bills and receive refunds.

File exempt from federal taxes for 3-4 months to increase your take-home pay and pay down debt.

Remember, if you have any further questions about business credit, personal credit, or credit repair, don't hesitate to schedule a one-on-one consultation. I'm here to help you navigate the world of credit and financial management.

YouTube Source: https://www.youtube.com/watch?v=lDnbIXrQiLA YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://www.pinterest.com/pin/747456869434486993/ https://www.diigo.com/profile/patriciacomputer https://twitter.com/MorseKasey93400/status/1793147668069236767

[joshcarpetclean]

American Express business credit card approval hack (Get Approved Instantly)

Maximizing Your Credit Card Benefits with American Express

As a Credit Specialist, I understand the importance of finding the right credit card that offers valuable benefits without breaking the bank. Today, I'd like to share my insights on five American Express cards that I believe are worth considering.

Revolving Cards with No Interest for 12 Months

American Express Blue Cash: Earn a $250 statement credit after spending $3,000 on the card within the first 3 months.

American Express Business Plus Blue Cash: Earn 15,000 points after spending $3,000 within the first 3 months.

The key advantage of these cards is that they are revolving, meaning you don't have to pay off the entire balance at once. Additionally, you won't be charged any interest for the first 12 months, making them an excellent option for managing your finances.

Lucrative Welcome Bonuses

Marriott Bonvoy Card: Earn up to 150,000 points after spending $6,000 within the first 6 months.

Hilton Honors Card: Earn 75,000 points after spending $1,000 within the first 6 months.

These cards offer substantial welcome bonuses that can be redeemed for valuable travel rewards, making them appealing for those who enjoy travel and want to maximize their points.

Understanding American Express's Approach

American Express typically performs a soft pull on your credit when you apply for their cards, which means it won't negatively impact your credit score. This allows you to have multiple American Express cards without worrying about multiple hard inquiries.

Additionally, I generally avoid recommending the Platinum or Gold cards from American Express, as the annual fees of $695 and $250, respectively, may not be justified for many individuals.

Strategies for Optimizing Your Credit Utilization

It's important to note that with American Express charge cards, any amount you use on the card will be reported as a maxed-out balance, which can negatively impact your credit utilization ratio. To avoid this, I suggest being cautious when checking your spending limit, as it can trigger a financial review by American Express.

Finally, I encourage you to explore the American Express Plum Card, which offers a 60-day interest-free period, and the Gold Delta SkyMiles Card, which is relatively easy to get approved for and can help you earn valuable travel rewards.

If you have any other questions about business credit funding, personal credit funding, or removing negative items from your credit report, feel free to reach out for a one-on-one consultation.

YouTube Source: "Unlock Business Success: Insider Tips for Rapid American Express Credit Card Approval" YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://www.pinterest.com/pin/697072848615442527/

[ukconsultantdermatologist]

American Express business credit card approval hack (Get Approved Instantly)

Exploring the Benefits of American Express Cards

As a Credit Specialist, I'm often asked about the best American Express cards to consider. In this post, I'll highlight five American Express cards that offer great benefits, including:

The American Express Blue Cash and Business Plus Cards

- These cards are revolving, which means you don't have to pay interest for the first 12 months on purchases. - The **American Express Blue Cash** card offers a **$250 statement credit** after spending $3,000 in the first 3 months. - The **American Express Business Plus** card offers **15,000 points** after spending $3,000 in the first 3 months.

The Marriott Bonvoy Card

- This card can earn you **up to 150,000 points** if you haven't had a Marriott card before. - You need to spend $6,000 over a 6-month period, which is typically around $1,000 per month.

The Hilton Honors Card

- This card offers **75,000 points** if you spend $3,000 within the first 6 months.

The American Express Plum Card

- This card offers **60 days** to pay the balance without any interest. - It also provides a discount if you pay the balance sooner.

The Gold Delta SkyMiles Card

- This card is relatively easy to get approved for, even with a credit score as low as 640-660. - It offers **50,000-55,000 points** after spending $4,000 in the first 6 months. Remember, American Express is known for not always doing a hard pull on your credit, which allows you to have multiple cards. However, be cautious when checking your spending limit, as it can trigger a financial review. If you have any other questions about business or personal credit, feel free to schedule a one-on-one consultation. YouTube Source: Unlocking the Secrets: American Express Business Credit Card Approval Hacks for Instant Success YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://www.pinterest.com/pin/714242822182765912/ https://www.diigo.com/profile/ukconsultant0

[jarrettboone]

American Express business credit card approval hack (Get Approved Instantly)

Exploring the Best American Express Cards for Savvy Consumers

As a Credit Specialist, I'm here to share my insights on five American Express cards that I believe offer exceptional value and benefits. Whether you're looking to maximize rewards or minimize interest charges, these cards are worth considering.

The Revolving Cards:

American Express Blue Cash - Earn a $250 statement credit after spending $3,000 within the first 3 months. This is a revolving card, allowing you to pay it off gradually without incurring interest for 12 months.

American Express Business Plus Card - Earn 15,000 points after spending $3,000 within the first 3 months. This is also a revolving card, providing the same 12-month interest-free period.

The Travel Rewards Cards:

Marriott Bonvoy Card - Earn up to 150,000 points by spending $6,000 within the first 6 months. This card is ideal for frequent travelers looking to maximize their Marriott rewards.

Hilton Honors Card - Earn 75,000 points by spending $3,000 within the first 6 months. This card offers excellent value for Hilton loyalists.

The Charge Card Alternative:

American Express Plum Card - This charge card offers a 60-day interest-free period, allowing you to pay your balance in full without incurring any additional costs. It's a great option for business owners who need more flexible payment terms.

Gold Delta SkyMiles Card - This card is relatively easy to get approved for, even with a credit score as low as 640-660. It offers 50,000-55,000 bonus miles for spending $4,000 within the first 6 months, making it an attractive choice for frequent flyers.

Remember, when using American Express cards, it's essential to understand the implications of "maxing out" your card, as this can negatively impact your credit utilization. Additionally, be cautious when checking your spending limit, as this could trigger a financial review by the issuer.

If you have any other questions about business credit, personal credit, or removing negative items from your credit report, feel free to schedule a one-on-one consultation by clicking the link in the description.

YouTube Source: https://www.youtube.com/watch?v=lDnbIXrQiLA YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://www.pinterest.com/pin/863283822361857195/

[patriciacomputer]

American Express business credit card approval hack (Get Approved Instantly)

5 American Express Cards You Should Consider

As a Credit Specialist, I'm often asked about the best credit cards to use, especially when it comes to American Express. While the premium Platinum and Gold cards may seem tempting, there are several other American Express cards that offer great benefits without the hefty annual fees.

Revolving Cards with 0% APR Introductory Period

American Express Blue Cash - Earn a $250 statement credit after spending $3,000 within the first 3 months. This is a revolving card, so you don't have to pay it off all at once.

American Express Business Plus Card - Earn 15,000 points after spending $3,000 within the first 3 months. Also a revolving card with no interest for the first 12 months.

Lucrative Signup Bonuses

Marriott Bonvoy Card - Earn up to 150,000 points when you spend $6,000 within the first 6 months.

Hilton Honors Card - Earn 75,000 points when you spend $3,000 within the first 6 months.

Charge Cards with Unique Benefits

American Express Plum Card - Enjoy a 60-day, interest-free period to pay your balance in full and receive a discount for early payment.

Gold Delta SkyMiles Card - This card is relatively easy to get approved for, even with a credit score as low as 640-660. Earn 50,000-55,000 bonus miles when you spend $4,000 within the first 6 months.

Remember, when using American Express charge cards, be cautious about checking your spending limit too frequently, as this can trigger a financial review. It's also important to stay within three times your credit limit to avoid potential issues.

If you have any other questions about business credit, personal credit, or removing negative items from your credit report, feel free to click the link in the description to schedule a one-on-one consultation.

YouTube Source: https://www.youtube.com/watch?v=lDnbIXrQiLA YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://www.pinterest.com/pin/775463629617625435/ https://www.diigo.com/profile/patriciacomputer

[jamescomputer0]

American Express business credit card approval hack (Get Approved Instantly)

Maximizing Your Credit with American Express Cards

As a Credit Specialist, I'm here to share with you five American Express cards that I believe can provide significant benefits. These cards are revolving, meaning you don't have to pay off the entire balance at once, and they offer various perks that can help you save money and earn rewards.

The American Express Blue Cash and Business Plus Cards

American Express Blue Cash: Earn a $250 statement credit after spending $3,000 on the card within the first 3 months.

American Express Business Plus: Earn 15,000 points after spending $3,000 within the first 3 months.

Both of these cards are revolving, allowing you to pay off your balance over time without incurring interest charges for the first 12 months.

The Marriott Bonvoy and Hilton Honors Cards

Marriott Bonvoy Card: Earn up to 150,000 points by spending $6,000 within the first 6 months.

Hilton Honors Card: Earn 75,000 points by spending $3,000 within the first 6 months.

These hotel-branded cards offer generous sign-up bonuses, making them attractive options for frequent travelers.

The Advantages of American Express Cards

Soft Credit Checks: American Express often performs soft credit checks, which won't impact your credit score, allowing you to have multiple cards without significantly affecting your credit.

Charge Cards and Spending Limits: Be cautious when checking your spending limit on charge cards, as this can trigger a financial review by American Express.

Additional Recommendations

American Express Green Card: This card offers a 60-day grace period for payments, allowing you to avoid interest charges.

Gold Delta SkyMiles Card: This card is relatively easy to get approved for, with a typical approval for individuals with credit scores around 640-660.

Remember, managing your credit responsibly is crucial. If you have any questions about business credit funding, personal credit funding, or removing negative items from your credit report, feel free to click the link in the description to schedule a one-on-one consultation.

YouTube Source: https://www.youtube.com/watch?v=lDnbIXrQiLA YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://www.pinterest.com/pin/777785798173275180/ https://www.diigo.com/profile/jamescomputer0

[repairnorwalk]

American Express business credit card approval hack (Get Approved Instantly)

Exploring 5 Rewarding American Express Cards

As a Credit Specialist, I'm often asked about the best American Express cards to consider. Today, I'll highlight five American Express cards that offer valuable benefits, without breaking the bank.

Revolving Cards with Interest-Free Periods

American Express Blue Cash - Earn a $250 statement credit after spending $3,000 in the first 3 months, with no interest for 12 months.

American Express Business Plus Blue Cash - Earn 15,000 points after spending $3,000 in the first 3 months, with no interest for 12 months.

Bonus Point Opportunities

Marriott Bonvoy Card - Earn up to 150,000 points by spending $6,000 over 6 months.

Hilton Honors Card - Earn 75,000 points by spending $3,000 within 6 months.

Charge Cards and Credit Limit Considerations

American Express charge cards can be beneficial, but it's important to understand that any usage, even small amounts, will be reported as a maxed-out card on your credit report. Additionally, checking your spending limit too often may trigger a financial review, requiring you to provide additional documentation.

Other Noteworthy American Express Cards

American Express Plum Card - Offers a 60-day interest-free period and discounts for early payments.

Gold Delta SkyMiles Card - Relatively easy to qualify for, with 50,000-55,000 bonus miles after spending $4,000 in the first 6 months.

Remember, responsible credit management is key. If you have any other questions about business or personal credit, feel free to schedule a one-on-one consultation.

YouTube Source: https://www.youtube.com/watch?v=lDnbIXrQiLA YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://www.pinterest.com/pin/625155992055323431/ https://www.diigo.com/profile/jamescomputer0

[davidfmoriarty]

American Express business credit card approval hack (Get Approved Instantly)

Exploring Rewarding American Express Credit Card Options

As a Credit Specialist, I'm often asked about the best American Express cards to consider. While the premium Platinum and Gold cards come with hefty annual fees, there are several other Amex cards that offer valuable benefits without the high cost. Here are five Amex cards that I believe are worth a closer look:

Revolving Credit Cards

American Express Blue Cash - Earn a $250 statement credit after spending $3,000 in the first 3 months. This is a revolving card, so you don't have to pay the balance in full each month.

American Express Business Plus Card - Earn 15,000 points after spending $3,000 in the first 3 months. This is also a revolving card.

Travel Rewards Cards

Marriott Bonvoy Card - Earn up to 150,000 points by spending $6,000 in the first 6 months. Great for frequent Marriott guests.

Hilton Honors Card - Earn 75,000 points after spending $3,000 in the first 6 months. Ideal for Hilton loyalists.

Charge Cards

American Express Plum Card - Enjoy 60 days to pay your balance without interest. Ideal for business owners who need flexible payment terms.

Gold Delta SkyMiles Card - Earn 50,000 bonus miles after spending $4,000 in the first 6 months. Easy to qualify for with a credit score around 640-660.

The key benefits of these Amex cards are the lack of hard credit checks, flexible payment options, and generous sign-up bonuses. Just be mindful of charge card utilization and avoid financial reviews by monitoring your spending limits. With the right Amex card, you can maximize rewards without breaking the bank on annual fees.

YouTube Source: https://www.youtube.com/watch?v=lDnbIXrQiLA YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://www.pinterest.com/pin/624663410847535854/ https://www.linkedin.com/feed/update/urn:li:share:7198555314357485569

[robertmatthews0]

American Express business credit card approval hack (Get Approved Instantly)

5 Lucrative American Express Cards Worth Considering

As a Credit Specialist, I'm often asked about the best American Express cards to have. Today, I'll share five American Express cards that I believe offer significant benefits, particularly when it comes to revolving credit, bonus points, and travel rewards.

Revolving Credit Cards

American Express Blue Cash and American Express Business Plus Cards: These revolving cards offer a 12-month interest-free period on purchases, making them great options for managing cash flow.

The Blue Cash card provides a $250 statement credit after spending $3,000 in the first 3 months, while the Business Plus card offers 15,000 points for spending $3,000 within the same timeframe.

Travel Rewards Cards

Marriott Bonvoy Card: Earn up to 150,000 points by spending $6,000 within 6 months, which can be redeemed for free hotel stays.

Hilton Honors Card: Earn 75,000 points by spending $8,000 within 6 months, providing valuable rewards for frequent travelers.

Key Considerations

When using American Express cards, it's important to understand that they typically don't perform hard credit checks, allowing you to have multiple cards without significantly impacting your credit score. However, be cautious when checking your spending limit, as this can trigger a financial review by American Express.

Additional Options

American Express Plum Card: This card offers a 60-day interest-free period, making it a great option for business owners who need flexible financing.

Gold Delta SkyMiles Card: This card is relatively easy to get approved for, with a 640-660 credit score, and provides 50,000-55,000 points for spending $4,000 in the first 6 months.

Remember, when managing your credit cards, it's essential to stay within your means and utilize strategies like filing for tax exemption to help pay down your balances. If you have any other questions about business credit, personal credit, or credit repair, feel free to schedule a consultation.

YouTube Source: https://www.youtube.com/watch?v=lDnbIXrQiLA YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://www.pinterest.com/pin/691513717818016991/

[patrickcarpet]

American Express business credit card approval hack (Get Approved Instantly)

Navigating the American Express Credit Card Landscape: 5 Top Picks for Savvy Consumers

As a Credit Specialist, I'm here to share my insights on five American Express credit cards that I believe offer exceptional value and benefits. Whether you're looking to maximize rewards, earn valuable points, or take advantage of interest-free financing, these cards are worth considering.

The American Express Blue Cash and Business Plus Cards

American Express Blue Cash: This card offers a $250 statement credit after you spend $3,000 on the card within the first 3 months. It's a revolving card, meaning you don't have to pay it off in full each month.

American Express Business Plus: This card gives you 15,000 points after you spend $3,000 within the first 3 months. It's also a revolving card, providing you with flexible payment options.

The Marriott Bonvoy and Hilton Honors Cards

Marriott Bonvoy Card: Earn 150,000 points by spending $6,000 within the first 6 months. This can be a great option for frequent travelers.

Hilton Honors Card: Earn 75,000 points by spending $3,000 within the first 6 months. This card can be beneficial for those who often stay at Hilton properties.

The Advantages of American Express Cards

One of the key reasons I recommend these American Express cards is that, in most cases, they will not result in a hard pull on your credit report. This allows you to have multiple American Express cards without significantly impacting your credit score. Additionally, American Express often uses internal scoring rather than relying solely on your TransUnion credit report.

Avoiding the Pitfalls of Charge Cards

It's important to note that charge cards, such as the American Express Platinum or Gold cards, can be problematic as they can make it appear that your card is maxed out, even for small purchases. This is why I generally steer clear of these types of cards and instead recommend the revolving credit cards mentioned above.

Maximizing Your Credit Card Utilization

When it comes to credit limit increases, it's crucial to stay within the recommended utilization of three times your credit limit. Exceeding this threshold can trigger a financial review, which may require you to provide additional financial documentation.

Exploring Additional American Express Options

The Plum Card: This card offers a 60-day interest-free period, allowing you to pay your balance without incurring any interest charges.

The Gold Delta SkyMiles Card: This card is relatively easy to get approved for, even with a credit score around 640-660. It offers 50,000-55,000 bonus points for spending $4,000 within the first 6 months.

Remember, if you have any other questions about business credit, personal credit, or removing negative items from your credit report, feel free to click the link in the description to schedule a one-on-one consultation. I'm here to help you navigate the complex world of credit and financial management.

YouTube Source: Unlock Instant Approval for American Express Business Cards: The Ultimate Guide YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://www.pinterest.com/pin/700732023302092690/

[williampang0]

# Summary of Credit Card Recommendations - **First National Bank of Omaha Evergreen Card**: - Pulls Experian FICO 9 credit score - Allows up to 4 inquiries in the first 3 months, 6 inquiries in the first 6 months, and 21 inquiries within 24 months - Suitable for building high-limit personal and business credit - **Apple Card**: - Issued through Goldman Sachs, pulls TransUnion FICO 9 - Can be approved without a hard inquiry appearing on the credit report - Offers high limits and is forgiving - Recommended for those with a credit score around 620-630 - **Patel One and Patel Two Cards**: - Patel One: Limits from $300 to $5,000 - Patel Two: Limits from $300 to $10,000 - No need for a social security number or credit file to apply - Recommended for those with no credit or bad credit (Patel One), and those with a credit score of 620 or higher (Patel Two) - **Wells Fargo Active Cash Card**: - Pulls Experian FICO 9 credit score - Requires a minimum credit score of 670 - Offers up to 15 months of no interest on purchases and balance transfers - **Strategies for Improving Chances of Approval**: - Include all sources of income, such as spouse's income, child support, alimony, disability income, and rental income - Maintain a debt-to-income ratio under 50-55%, or 75% for the Apple Card - Pay off small open revolving accounts to under 10% utilization - Limit the number of recently opened credit accounts to 4-6 - **American Express Cards**: - The Delta Gold card is recommended for those with credit scores around 640-660 - The Blue Cash Everyday card offers a 15-month balance transfer period - Check pre-qualification options before applying to increase the chances of approval Remember, these are general recommendations, and individual circumstances may vary. It's important to carefully review the terms and conditions of each card before applying. YouTube Source: "Unlock $25,000 Soft Pull Credit Approvals with No Hard Credit Checks" YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg

[marattsirelson]

The New Delta SkyMiles: Its All About the Money

The New Delta SkyMiles: It’s All About the Money https://ift.tt/L6aOW3Y   The Atlanta-based carrier announced their new loyalty earning metrics on Thursday, September 14, 2023, moving away from a combination of miles and elite qualifying dollars to just pure spend.   Moving to Spend “Simplifies” Loyalty for Customers In their notice to flyers, Delta claims that the new system will make it easier not only to earn status, but to track how close they are to the next tier. The airline will also add more ways for flyers to earn Medallion Qualifying Dollars, including booking rental cars and hotel stays on Delta.com, Delta Vacations, and Medallion Qualifying Dollar boosts with select Delta SkyMiles American Express credit cards.   For those who have a Delta American Express credit card, two of the more popular features are going away starting in 2024. Both the Medallion Qualifying Dollar waiver and the Status Boost will end on December 31, 2023, as the program is changing to spend-only.   When the changes come into effect for the 2025 loyalty year, flyers will need to spend the following amount of money with Delta to earn elite status:   Silver Medallion: $6,000 Medallion Qualifying Dollars Gold Medallion: $12,000 Medallion Qualifying Dollars Platinum Medallion: $18,000 Medallion Qualifying Dollars Diamond Medallion: $35,000 Medallion Qualifying Dollars   In the event travelers have rollover Elite Qualifying Miles going into 2023, they will have two options for conversion. First, they can be converted to Medallion Qualifying Dollars, or be turned into redeemable SkyMiles. The ratios at which both will convert have not yet been published.   Lounge access will get more restrictive starting in 2025, especially for credit card holders. As of February 1, 2025, holders of the Delta SkyMiles Reserve and Reserve Business American Express card will only get 10 Delta Sky Club visits per program year. Travelers who hold either The Platinum Card or the Business Platinum card from American Express will be limited to six visits per program year. Both groups of cardholders can earn unlimited visits with $75,000 in eligible spending on the cards, with tracking beginning on January 1, 2024.   Those who have the Delta SkyMiles Platinum or Platinum Business American Express cards will get hit the most. Anyone with those cards will be cut off from lounge access starting January 1, 2024. Additionally, anyone flying in Basic Economy – regardless of what credit card they have – will be barred from lounge entry.   “Delta is on a multi-year journey to transform our SkyMiles Program by building a portfolio of options for customers to grow their membership with Delta beginning as soon as they join the program,” Dwight James, senior vice president of customer engagement and loyalty and CEO of Delta Vacations, said in a press release. “Our Members will earn status the way they want to – not only along their travel journey, but also in their everyday lives.”   Where do YOU Stand on the Changes? FlyerTalkers are giving the new program mixed reviews, with some lauding the changes, while others claim it is one of the most aggressive in a long time. Check out what fellow FlyerTalkers have to say in these forum threads:   Delta SkyMiles Program Changes (Total Revenue Based) for 2025 Medallion Year: An overview of the changes and FlyerTalker’s opinions Happy with the Changes….: One FlyerTalker’s argument for how the changes could be a good thing. I am Angry with the 9/14/23 Skymiles Change – Alternatives? A thread for FlyerTalkers finding an alternative loyalty program to Delta SkyMiles AMEX and Delta created a 3 headed monster and now need to regroup: An opinion on how Delta and American Express created the new program. If you don’t like the changes call and complain: A call to action from FlyerTalkers on getting their voices heard about the program changes. via FlyerTalk – The world's most popular frequent flyer community https://ift.tt/KqO6rsh September 15, 2023 at 03:36PM

[thesecrettimes]

9 Best Travel Credit Cards of August 2023

These cards earn points (or miles) for travel and other everyday purchases at a set rate for every dollar you spend, sometimes with bonus rewards of up to ten points (10x) per dollar when you use them to pay for your trips. Some travel credit cards offer additional benefits like airport lounge access, baggage delay insurance and a TSA PreCheck or Global Entry fee credit. Read on for our list of the best travel credit cards, how they work and how to pick the best one for you. Our Top Picks for Best Travel Credit Cards Chase Sapphire Preferred® – Best low-annual-fee travel credit card Capital One SavorOne Cash Rewards Credit Card – Best no-annual-fee credit travel card Wells Fargo Autograph℠ Card – Best no-annual-fee travel credit card runner-up Capital One Venture Rewards Credit Card – Best travel credit card for everyday spending American Express® Gold Card – Best travel card for dining rewards Chase Sapphire Reserve® – Best premium travel credit card Capital One Venture X – Best low-cost premium travel credit card The Platinum Card® from American Express – Best travel card for perks and benefits The Business Platinum Card® from American Express – Best travel card for businesses Best Travel Credit Cards Reviews   Courtesy of Chase Pros Points are worth 25% more when redeemed for travel purchases through Chase Receive a point bonus each account anniversary Includes primary rental car insurance Earn 3x per $1 on dining, including eligible delivery and takeout meals, select streaming services and grocery purchases Cons $95 annual fee Doesn't offer a Global Entry/TSA PreCheck application fee credit HIGHLIGHTS Annual fee annual_fees Sign-up bonus bonus_miles_full Intro APR intro_apr_rate,intro_apr_duration Regular APR reg_apr,reg_apr_type Recommended credit credit_score_needed Travel insurance Trip cancellations/interruptions, trip delays, travel accidents, luggage and primary rental car insurance Why we chose this card: The Chase Sapphire Preferred® is an excellent option for frequent travelers who want to earn valuable rewards while paying a low annual fee. The card features six reward categories that offer outstanding rewards on flights, hotels, tours, restaurants and more. Cardholders can earn: 5x points for travel bookings made through the Chase Ultimate Rewards® portal 2x on all other travel purchases 3x on dining, including eligible delivery and takeout 3x on select streaming services 3x on online grocery purchases (excluding Target®, Walmart® and wholesale clubs) 1x on all other purchases You can redeem your points for statement credits or account deposits, but you can get the most bang for your buck by redeeming them through the Chase Ultimate Rewards® portal, which increases the value of your points by 25%. You can also transfer your points to one of Chase’s 14 travel partners at a 1:1 ratio (one Chase point equals one hotel point or airline mile). These include popular airlines and hotels like JetBlue, Southwest, United, Marriott and Hyatt. Another benefit is that you can combine points from multiple Chase cards under your Chase Sapphire Preferred® account (as long as they earn Ultimate Rewards points). For example, if you have the Chase Freedom Unlimited®, you can transfer its points to your Chase Sapphire Preferred® account. This would increase their usual one-cent-per-dollar value to 1.25 cents for bookings made through the Ultimate Rewards® portal. In addition to its standard travel insurance benefits, the Chase Sapphire Preferred® includes primary rental car coverage — a perk not many travel cards provide. Unlike secondary rental car coverage, this type of insurance covers theft or damages without first filing a claim with your auto insurer. Courtesy of Capital One Pros Unlimited 3% back on dining, entertainment, grocery stores (excluding Target(R) and Walmart(R)) and select streaming services No annual or foreign transaction fees Includes travel accident insurance Cons 5% cash-back rate for travel doesn't apply to flights HIGHLIGHTS Annual fee Sign-up bonus Intro APR Regular APR Recommended credit Travel insurance Travel accidents Why we chose it: The Capital One SavorOne Cash Rewards Credit Card is the ideal card to take when you’re out sightseeing since it offers high rewards on dining, entertainment and more without charging any annual or foreign transaction fees. With the Capital One SavorOne, cardholders can earn cash back at restaurants, tourist attractions, concerts, theme parks and more. The card’s reward categories include: 10% back on Uber and Uber Eats purchases plus statement credits to cover the costs of an Uber One membership through November 14, 2024 8% back on Capital One Entertainment purchases 5% back on hotels and rental cars booked through Capital One Travel 3% back on dining, eligible streaming services, grocery stores (excluding Target® and Walmart®) and entertainment 1% back on all other purchases None of the listed categories have yearly caps, which means the card offers tremendous earning potential — especially for foodies who spend a lot dining out, on takeout or doing groceries. Those that are always searching for things to do might find Capital One Entertainment quite useful. The ticketing platform gives cardmembers access to numerous events, like celebrity meet-and-greets and dinner reservations at acclaimed restaurants. You can also find tickets to sold-out events at discounted prices, all while receiving a stellar 8% cash-back rate. Keep in mind that this card’s travel bonus only applies to hotel and rental car bookings made through the Capital One Travel portal. This means that you won’t get any cash back or points for flight reservations, which other travel credit cards do offer. However, it’s worth noting that the card’s 3% cash-back rate on dining and entertainment is valid at establishments worldwide. (Some credit cards limit their bonuses to only U.S. locations.) Dining and tourist attraction purchases can quickly rack up while traveling, so you can feel free to use this card as often as you’d like since it doesn’t charge foreign transaction fees.   Courtesy of Wells fargo Pros Earn 3x points on restaurants, travel and gas Earn 3x when paying your monthly streaming services and cell phone bills Includes cell phone protection plan No foreign transaction fees Cons No airline or hotel transfer partners Doesn't include travel insurance Netflix, Hulu and HBO are not eligible for streaming bonus HIGHLIGHTS Annual fee annual_fees Sign-up bonus bonus_miles_full Regular APR reg_apr,reg_apr_type Intro APR intro_apr_rate,intro_apr_duration Recommended credit credit_score_needed Travel insurance Secondary car rental insurance Why we chose it: The Wells Fargo Autograph℠ Card has no annual or foreign transaction fees and earns high rewards for travel, dining, gas, streaming services and cell phone plan purchases. Most travel credit cards only offer rewards when you book flights and hotels through the card issuer’s travel portal. If you were to book your vacation through one-stop travel sites like Booking.com, you’d only earn the card’s minimum bonus (which is usually one point per dollar). The Wells Fargo Autograph℠ Card, however, gives you: 3x points on flights, hotels, car rentals, cruises and more (regardless of where you make your purchase) 3x points on transit, including subways, parkings, tolls, ridesharing services and more 3x points on dining, gas, select streaming services and cell phone plans 1X points on other purchases However, although the Wells Fargo Autograph℠ Card offers a solid cash-back rate on travel, its travel benefits are otherwise lackluster. It doesn’t have hotel and airline transfer partners and doesn’t offer luxury perks like airport lounge access or a TSA PreCheck or Global Entry fee credits. (Having said that, note that these perks are generally offered by premium travel cards with high annual fees.) The card does include rental car insurance and covers up to $50,000 for accidents or theft if you use it to book the rental car. The card also features a cell phone protection plan when you use it to pay your monthly bill. If your phone is damaged or stolen, you can be reimbursed up to $600 per claim (up to $1,200 per year). If you’re looking for unlimited rewards on travel and everyday spending, the Wells Fargo Autograph℠ Card is an excellent option. However, it may not be the best fit if you’re looking for comprehensive travel insurance coverage and luxury benefits. All information about the Wells Fargo Autograph℠ Card has been collected independently by Money.com. Courtesy of Capital One Pros High rewards on everyday spending (2x miles per dollar) Up to $100 credit for Global Entry or TSA PreCheck Includes travel accident and car rental insurance Cons Fewer bonus categories than other cards with a similar annual fee ($95) Doesn't offer travel rewards for flights Car rental insurance is secondary HIGHLIGHTS Annual Fee annual_fees Sign-up Bonus bonus_miles_full Intro APR intro_apr_rate,intro_apr_duration Regular APR reg_apr,reg_apr_type Recommended credit credit_score_needed Travel insurance Auto Rental Collision Damage Waiver, Travel Accident Insurance Why we chose it: The Capital One Venture Rewards credit card is an excellent card for everyday spending, offering a higher base reward than most travel credit cards. Cards generally earn one mile (or point) per dollar on most purchases and have a higher rate for certain spending categories. However, if your routine expenses don’t align with these categories, you could miss out on potential rewards. The Capital One Venture Rewards is ideal for those who want to get the most out of their spending without worrying about tracking bonus categories. Cardmembers can earn: 5x miles on hotels and rental cars booked through Capital One’s travel portal 2x miles per dollar on all purchases You can redeem your miles on the Capital One travel portal at a value of one cent per mile. And you can also use your miles to cover travel purchases made on other sites by selecting “Cover Your Travel Purchases” in your Capital One account. (Note that only travel purchases posted to your account within the last 90 days are eligible.) Additionally, you may transfer your miles to more than 15 airline and hotel partners. In this case, the per-mile value depends on the airline or hotel you choose. Keep in mind that Capital One doesn’t have any domestic travel partners, which can be a drawback if you mainly travel within the U.S. Other benefits include auto rental coverage, travel accident insurance and up to $100 to cover the cost of a Global Entry or TSA PreCheck application fee. While the Capital One Venture Rewards is great for earning miles daily, note that some cards with similar annual fees ($95) offer a higher rate of reward. For example, the Chase Sapphire Preferred® lets you redeem for cash back at a rate of one cent per point while the Capital One Venture Rewards offers cash back at a value of 0.5 cents per mile. This can be a drawback if you would rather redeem your rewards as cash back rather than a flight.   Courtesy of American Express Pros Earns 4x points on restaurants worldwide, takeout and food delivery within the U.S. $120 annual dining credit, issued as $10 per month in statement credits, in select restaurants (enrollment required) $120 annual Uber Cash ($10 per month) for food delivery orders and rides in the U.S. after you add the Gold card to your Uber account Earn 4x points at U.S. supermarkets (on up to $25,000 per calendar year, then 1x) Cons High annual fee ($250) Includes few travel perks and insurance policies compared to similarly priced cards Terms apply. Please click here for applicable rates and fees. HIGHLIGHTS Annual fee annual_fees Welcome offer bonus_miles_full Intro APR intro_apr_rate,intro_apr_duration Regular APR reg_apr,reg_apr_type Recommended credit credit_score_needed Travel insurance Secondary Car Rental Insurance*** Lost/Stolen Baggages, Baggage Delays, Trip Cancellations/Interruptions, Travel Accidents and Flight Delays* Why we chose it: The American Express Gold Card® is ideal for foodies, offering a high reward rate at restaurants worldwide and U.S. supermarkets, takeout and food delivery. (Terms apply.) With the American Express Gold Card®, you can earn: 4x points at restaurants worldwide 4x points on takeout and delivery in the U.S. 4x points at supermarkets within the U.S. (on up to $25,000 per calendar year, then 1X) 3x points on flights booked directly with airlines or Amextravel.com 1x on other purchases Terms apply The American Express® Gold Card also offers statement credits worth up to $240 combined — almost enough to offset the card’s $250 annual fee. These include: Up to $120 every year in dining credits ($10 per month) for select restaurants and food delivery services. The list includes Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and Shake Shack (Enrollment required) Automatically get $10 monthly in Uber Cash to use on Uber Eats or Uber rides in the U.S. (after you add the Gold card to your account) Terms apply Additionally, cardmembers receive up to $100 in credits for stays of two consecutive nights or more booked through American Express’ The Hotel Collection. It can be used for eligible purchases relating to dining, spa services and other activities. Cardholders also get 24/7 access to Global Assist Hotline representatives who can help coordinate lost passport replacement, translation services, missing luggage assistance and more. However, note that the American Express® Gold Card offers fewer travel perks than some other premium cards — for instance, it doesn’t offer trip cancellation and interruption insurance or TSA PreCheck or Global Entry fee credits. Terms apply. Please click here for applicable rates and fees.   Courtesy of Chase Pros Annual statement credits (up to $300) for travel purchases 14 travel partners including United, Southwest, JetBlue and Marriott Points worth 50% more when redeemed for travel expenses through Chase Emergency medical and dental insurance Cons High annual fee ($550) Doesn't include a cell phone protection plan Welcome offer is less impressive than other premium cards HIGHLIGHTS Annual fee annual_fees Sign-up bonus bonus_miles_full Intro APR intro_apr_rate,intro_apr_duration Regular APR reg_apr,reg_apr_type Recommended credit credit_score_needed Travel insurance Trip Cancellation/Interruption, Lost Luggage Reimbursement, Trip Delay Reimbursement, Emergency Evacuation and Transportation, Roadside Assistance, Emergency Medical and Dental Insurance, Primary Rental Car Insurance Why we chose it: The Chase Sapphire Reserve® offers a high reward rate on travel and dining and has additional benefits like comprehensive travel insurance and airport lounge access worldwide. Most premium cards offer the same bonus rate for airfare, hotels and rental cars. The Chase Sapphire Reserve®, on the other hand, offers an increased rate for room reservations and auto rentals. It also gives points for all travel bookings, unlike other card issuers that limit their rewards to purchases made through their travel portals. With this card you can earn: 10x points on hotels and rental cars purchased through the Chase Ultimate Rewards® portal 10x through the Chase Dining program 5x points on air travel booked through the Chase Ultimate Rewards® portal 3x points for all other travel-related purchases 3x points on restaurants, including takeout and delivery 1x on all other purchases Another advantage of the Sapphire Reserve is that its points are worth 50% more when redeemed for travel through the Chase portal — that is, 1.5 cents per point instead of the usual one cent. In addition to its generous rewards, the Sapphire Reserve has several notable perks. It provides statement credits to cover fees for expedited traveler programs Global Entry, TSA PreCheck or Nexus every four years, plus discounts or upgrades on select car rental companies, to name a few. One of the card’s outstanding benefits is a $300 annual travel credit that can cover travel-related purchases like airfare, hotels, car rentals, rideshares, buses, trains, tolls and/or parking. Other cards that feature an annual travel credit are usually more restrictive, and you can often only use it on flights or hotels purchased through the card issuer’s travel portal. The Sapphire Reserve does have a $550 annual fee. But if you take advantage of the $300 annual credit and other perks, the benefits can definitely outweigh its cost.   Courtesy of Capital One Pros 10,000 bonus miles every year Statement credit of up to $300 for bookings made through Capital One Travel Up to a $100 credit on Global Entry or TSA PreCheck Skip the line and get car upgrades when renting a car with Hertz Cons High annual fee ($395) No dining bonus category No domestic airline transfer partner HIGHLIGHTS Annual fee annual_fees Sign-up bonus bonus_miles_full Intro APR intro_apr_rate,intro_apr_duration Regular APR reg_apr,reg_apr_type Recommended credit credit_score_needed Travel insurance Trip Cancellation/Interruption, Lost Luggage Reimbursement, Trip Delay Reimbursement, Primary Rental Car Insurance Why we chose it: The Capital One Venture X Rewards features premium benefits like statement credits and airport lounge access for a lower annual fee ($395) than many competitors. The Venture X includes perks like a Priority Pass Select membership, which provides access to more than 1,300 airport lounges worldwide. This type of perk is typically only offered by luxury cards like the Chase Sapphire Reserve® or The Platinum Card® from American Express, both of which have much higher annual fees ($550 and $695, respectively). Other benefits include 10,000 bonus miles on every account anniversary and the option to add up to four authorized users at no extra cost. (Many cards have an annual fee of $75 or more for each additional user.) The card bonus categories include: 10x miles on hotels & rental cars booked through Capital One Travel 5x miles on flights booked through Capital One Travel 2x miles on all other purchases The Venture X features a $300 annual travel credit that can be used for airfare, hotel stays, rental car reservations and more. However, do note the credit can only be used for Capital One Travel bookings. (Some competitors are more flexible and let you use the credits on any type of travel purchase, including taxis and buses.) Although the card includes travel insurance, its coverage is limited compared to other premium travel cards. For example, the Venture X doesn’t cover baggage delays, travel accidents or emergency evacuations and transportations. It does, however, provide primary rental car insurance, which isn’t offered by most travel cards. All in all, the Venture X is a solid option that can easily compete with other premium travel cards, especially considering its more affordable annual fee. However, the Chase Sapphire Reserve®, our main pick for the best premium travel card, might be a better fit if you’d prefer a less restrictive annual travel credit and a more comprehensive travel insurance policy.   Courtesy of American Express Pros Access to the widest network of airport lounges of any card Complimentary elite status in the Marriott and Hilton hotel loyalty programs Hundreds of dollars in annual statement credits for travel, dining and more Cons High annual fee ($695) Doesn't include baggage delay, travel accident and primary rental car insurance Limited bonus categories Terms apply. Click here for rates and fees. HIGHLIGHTS Annual Read the full article