CategoryRV Living

RV Renovation Ideas For Our New (to us) Fifth Wheel!

We are renovating a fifth wheel RV! I’ve been obsessed with RV living and RV renovations since we saw Jill and Eric’s RV renovation last spring. We aren’t ready to move into one but we thought it would be a…

The post RV Renovation Ideas For Our New (to us) Fifth Wheel! appeared first on Modern Frugality.

Source: modernfrugality.com

Which United Airlines credit card should you choose?

If you regularly fly with United Airlines or you live in or near Chicago, Denver, Houston, Los Angeles, Newark or San Francisco – the airline’s hubs – picking up an United Airlines credit card could make a ton of sense.

Not only can a United credit card help you earn MileagePlus miles faster, but you might also get a few handy perks, including free checked bags.

At the moment, United Airlines offers a handful of co-branded United credit cards for individuals or small business owners. But, how do you know which United Airlines credit cards are best?

Our guide aims to help you compare options so you wind up with the right airline credit card for your needs and your travel goals.

See related: United MileagePlus Dining Guide

Here’s the roundup:
United Gateway Card

  • Best card for big United spenders: Chase United Club Infinite Card
  • Best card for frequent flyers: Chase United Explorer Card
  • Best card for small business owners: United Business Card
  • Best card for frequent business travelers: United Club Business Card
  • Guide to United Airlines credit cards

    Compare fees, rewards, perks and extras:  

    United Explorer Card

    Annual fee
    • $95, waived the first year
    Sign-up bonus
    • 70,000 miles if you spend $2,000 in first 3 months
    In-flight discount
    • 25%
    No foreign transaction fees
    • Yes
    Extra bonus on certain categories
    • 2 miles per dollar spent on United Airlines, hotel and restaurant purchases, including delivery services like Caviar, DoorDash, Grubhub and Seamless
    • 1 mile per dollar spent everywhere else
    Limit on miles earned
    • No
    First checked bag free
    • Yes, for you and a companion on the same reservation
    Priority boarding
    • Yes, for you and companions on the same reservation
    Reduced mileage awards
    • No
    Redeem miles rebate
    • No
    Benefits
    • 2 United Club one-time passes
    • Tickets bought using miles eligible for free upgrades
    • Trip delay, baggage and auto rental insurance
    • Concierge service
    • Chase’s Luxury Hotel & Resort Collection perks, including breakfast for 2, free Wi-Fi and meal/spa credits
    Global Entry/TSA Precheck credit
    • Yes, up to $100 every four years
    Card network
    • Visa

    Chase United Club Infinite Card

    Anual fee
    • $525, waived first year
    Sign-up bonus
    • None
    In-flight discount
    • 25%
    No foreign transaction fees
    • Yes
    Extra bonus on certain categories
    • 4 miles per dollar spent on United purchases
    • 2 miles per dollar spent on dining
    • 2 miles per dollar spent on all other travel (including other airlines)
    • 1 mile per dollar on all other purchases
    Limit on miles earned
    • No
    First checked bag free
    • Yes, 2 bags for you and 2 for a companion on the same reservation
    Priority boarding
    • Yes, for you and companions on the same reservation
    Reduced mileage awards
    • No
    Redeem miles rebate
    • No
    Benefits
    • United Club and Star Alliance lounge membership
    • Priority check-in and screening
    • Waived fees on last-minute tickets bought with miles
    • Miles tickets eligible for free upgrades
    • Trip delay, baggage and auto rental insurance
    • Concierge service
    • Chase’s Luxury Hotel & Resort Collection perks, including free breakfast for 2, free Wi-Fi and meal/spa credits
    Global Entry/TSA Precheck credit
    • Yes, up to $100 every four years
    Card network
    • Visa

    Chase United Business Card

    Annual fee
    • $99, waived the first year
    Sign-up bonus
    • 60,000 miles after spending $3,000 in first 3 months
    In-flight discount
    • 25%
    No foreign transaction fees
    • Yes
    Extra bonus on certain categories
    • 2 miles per dollar spent on United Airlines, restaurant, gas and office supplies purchases
    • 2 miles per dollar spent on transit and commute purchases, including taxis, tolls and rideshares
    • 1 mile per dollar spent on everything else
    Limit on miles earned
    • No
    First checked bag free
    • Yes, for you and a companion on the same reservation
    Priority boarding
    • Yes, for you and companions on the same reservation
    Reduced mileage awards
    • No
    Redeem miles rebate
    • No
    Benefits
    • 2 United Club one-time passes
    • 5,000 bonus miles on your account anniversary if you have both a United Business Card and personal United card
    • $100 annual United travel credit after 7 United flight purchases of $100 or more
    • Trip, baggage and car rental insurance
    Global Entry/TSA Precheck credit
    • No
    Card network
    • Visa

    Chase United Club Business Card

    Annual fee
    • $450
    Sign-up bonus
    • 50,000 miles after spending $3,000 in first 3 months
    In-flight discount
    • 25%
    No foreign transaction fees
    • Yes
    Extra bonus on certain categories
    • 2 miles per dollar spent on United Airlines purchases
    • 1.5 miles per dollar spent on everything else
    Limit on miles earned
    • No
    First checked bag free
    • Yes, 2 bags for you and 2 for a companion on the same reservation
    Priority boarding
    • Yes, for you and companions on the same reservation
    Reduced mileage awards
    • No
    Redeem miles rebate
    • No
    Benefits
    • United Club and Star Alliance membership
    • Priority check-in and screening
    • Concierge service
    • Trip, baggage and car rental insurance
    • Discoverist status in World of Hyatt loyalty program
    • President’s Circle Elite status in Hertz Gold Plus Rewards loyalty program
    • Chase’s Luxury Hotel & Resort Collection perks, including free breakfast, free Wi-Fi, dining/spa credits and upgrades
    Global Entry/TSA Precheck credit
    • No
    Card network
    • Visa

    Lifetime Globalist

    How to qualify
    • 1,000,000 base points over the course of your membership
    Base-point rate
    • 6.5 points/$1
    Benefits
    • Receive Globalist benefits indefinitely, with no requirement to qualify for status each year

     

    Best United Airlines credit card with no annual fee: United Gateway Card

    If you’re looking for a United rewards card with no annual fee, the United Gateway Card is the best (and only) option to consider. This card starts you off with 10,000 bonus miles when you spend $1,000 on purchases in the first three months your account is open. You also earn:

    • 2 miles per $1 on United flights, purchases made at gas stations and on transit and commuting
    • 1 miles per $1 on all other purchases

    As an added bonus, you’ll even rack up 3 miles per $1 on up to $1,500 in grocery store spending per month through Sept. 30, 2021. Aside from not charging an annual fee, other United Airlines credit card benefits include 25% off in-flight purchases and no foreign transaction fees. That means this card is rather limited in terms of perks, but that’s par for the course when it comes to credit cards with no annual fee.

    Best United Airlines credit card for frequent flyers: United Explorer Card

    Frequent flyers would be better off with a United credit card with more benefits, which they’ll find with the United Explorer Card. First off, you can earn 70,000 bonus miles – 60,000 when you spend $3,000 on purchases in the first three months your account is open and another 10,000 bonus miles when you spend $6,000 in total purchases in the first six months of account opening. In terms of daily spending, you can rack up:

    • 2 miles per $1 on United purchases, dining including delivery and takeout and hotels booked directly
    • 1 mile per $1 spent on other purchases

    United Airlines credit card benefits you’ll receive include two United Club passes, a first free checked bag, a $100 credit toward Global Entry or TSA Precheck membership, priority boarding, 25% off in-flight purchases and no foreign transaction fees. Not only are these perks ideal for frequent United flyers who want a convenient travel experience, but they can help cardholders save money, too. This card does charge a $95 annual fee, but it’s waived the first year.

    Best United Airlines credit card for big United spenders: United Club Infinite Card

    If you’re a big United spender and you fly with the airline all the time, you’ll probably want a card that lets you rack up a ton of miles while also affording you a comfortable travel experience. The United Club Infinite Card is perfect in either case. This card replaced an older version of the United Club Card, but it offers even better rewards and perks designed with luxury travelers in mind.

    As a cardholder, you’ll earn:

    • 4 miles per $1 spent with United Airlines
    • 2 miles per $1 spent on dining (including takeout and delivery) and travel
    • 1 mile per $1 spent on all other purchases

    In terms of perks, you won’t be disappointed. Not only does this card give you membership in the airline’s United Club lounges ($650 value), but if you travel internationally, you will be able to access lounges for any airlines that are part of the Star Alliance, including Aer Lingus, Singapore Airlines and Lufthansa. Meanwhile, you also get two free checked bags for yourself and a traveling companion on the same reservation, as well as priority check in, priority boarding, priority securing screening, 25% off in-flight purchases and no foreign transaction fees. You’ll also get a $100 credit toward Global Entry or TSA Precheck membership.

    There is one major downside to this card: It comes with a $525 annual fee and there is no sign-up bonus. On the bright side, the annual fee is waived for your first year.

    See related: When is a credit card annual fee worth it?

    Best United Airlines credit card for small business

    If you’re a small business owner, you may also want to apply for one of the two United Airlines credit cards for business. The United Business Card is a good option for small business owners who travel for work or for leisure a few times per month, and this is due to its cardholder benefits and low annual fee.

    You’ll start off by earning 60,000 miles when you spend $3,000 on purchases within the first three months of account opening. You’ll also earn:

    • 2 miles per $1 spent on United purchases, dining including takeout and delivery, gas stations, office supply stores, local transit and commuting
    • 1 mile per $1 spent on other purchases

    Like all good United Airlines credit card offers, the United Business Card also comes with a handful of perks which include 5,000 miles on your cardholder anniversary each year when you carry a business credit card and a personal credit card from United Airlines. You’ll also receive two one-time United Club passes, a first checked bag free, priority boarding, a $100 United travel credit when you make at least seven purchases of $100 or more with United each year, 25% off in-flight purchases and no foreign transaction fees. A $99 annual fee applies, but it’s waived the first year.

    Best United Airlines credit card for business travelers

    Finally, United Airlines offers a business credit card that is perfect for frequent business travelers who want to earn a ton of miles and score lounge access when they fly. The United Club Business Credit Card starts you off with 50,000 miles when you spend $3,000 on purchases within the first three months of account opening. You’ll also rack up:

    • 2 miles per $1 spent United purchases
    • 1.5 miles on everything else

    While this card does have a $450 annual fee, you’ll get plenty of value when it comes to the perks you receive. Not only will you get a United Club membership valued at $650, but you’ll get a first and second free checked bag, priority check-in, security screening and baggage handling, 25% off in-flight purchases and no foreign transaction fees.

    Who should get a United Airlines credit card?

    The best United Airlines credit card offers make it easy to rack up miles for each dollar you spend, and most offer a generous bonus when you meet a minimum spending requirement. With that being said, United Airlines credit cards are really best for people who are loyal to the airline, or those who live in a United hub and wind up flying with the airline often by default.

    If you aren’t loyal to United Airlines or you want more options when it comes to cashing in your points, you may also want to consider a Chase travel credit card that lets you transfer your points to United at a 1:1 ratio, or redeem for other types of travel.

    As an example, both the Chase Sapphire Reserve and Chase Sapphire Preferred Card* let you earn points you can transfer to United, as well as other airline and hotel partners like Southwest, British Airways, Emirates, World of Hyatt, Marriott Bonvoy and more. Chase credit cards also let you redeem points for travel through the Chase Ultimate Rewards portal, which gives you even more flexibility.

    See related: How to earn and use Chase Ultimate Rewards points

    How much are United miles worth?

    Based on our internal comparisons, United miles are worth approximately 1.5 cents each. This means that, generally speaking, 60,000 miles are worth approximately $900. However, keep in mind that you may get more value if you redeem miles for premium flights or international flights.

    Fortunately, there are plenty of ways to get significant value out of your United miles, whether you want to travel the world or enjoy a relaxing trip closer to home.

    *All information about the Chase Sapphire Preferred Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. This offer is no longer available on our site.

    Source: creditcards.com

    A complete guide to airline companion passes

    Flying can be a hefty expense – especially when you’re buying more than one airline ticket at a time. If you frequently fly with a companion, whether it be your child, spouse or friend, a companion pass can drastically reduce your travel costs.

    While the terms vary depending on the airline and credit card, generally, companion passes allow a second passenger to fly with you for free or at a significantly discounted rate. Some credit cards automatically offer a companion pass when you are approved for the card or each year on your account anniversary. Others require you to charge a certain amount within a given time frame to earn the pass.

    For more details on some of the most common companion passes, including what they offer and how to earn them, read on.

    Which airlines offer companion passes?

    • Southwest Airlines
    • American Airlines
    • British Airways
    • Delta Air Lines
    • Hawaiian Air
    • Alaska Airlines
    • Lufthansa Airlines

    Southwest Rapid Rewards® Plus Credit Card
  • Southwest Rapid Rewards® Premier Credit Card
  • Southwest Rapid Rewards® Priority Credit Card
  • CitiBusiness®/AAdvantage® Platinum Select® Mastercard®
  • AAdvantage® Aviator® Silver World Elite Mastercard®
  • British Airways Visa Signature® Card within a 12-month period, starting on Jan. 1 and ending on Dec. 31. For example, if you opened your card account in June 2020, you have until Dec. 31, 2020 to reach the spend requirement for that year.

    How long is the Travel Together Ticket valid?

    The Travel Together ticket is valid for 24 months from the date of issue.

    Which cards help you qualify?
    British Airways Visa Signature® Card

    Delta SkyMiles Reserve® American Express Card

    Hawaiian Airlines® World Elite Mastercard® (50 percent and $100 discounts)
  • Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® (50 percent and $100 discount)
  • Hawaiian Airlines® Business Mastercard® (50 percent discount)
  • Alaska Airlines Visa Signature® or Alaska Airlines Visa® Business cardholder. As part of the introductory offer, you much spend $2,000 in the first 90 days to receive a companion fare. You will automatically receive the companion fare each year on your account anniversary.

    Travel must be booked on alaskaair.com.

    How long is the fare valid?

    The Famous Companion Fare is valid from the date of issue until your next account anniversary.

    Which cards help you qualify?
    • Alaska Airlines Visa Signature® credit card
    • Alaska Airlines Visa® Business

    How to get the Southwest Companion Pass, Earn sign-up bonus miles with the Southwest Rapid Rewards cards

    The Bank of America content of this post was last updated on March 20, 2020.

    Source: creditcards.com

    How to add an authorized user to a Wells Fargo card

    You already know that your on-time Wells Fargo credit card payments boost your credit score. But did you know that your payments could also help increase the credit score of a family member or friend with a lower score? Or that your payments could help your children build their own credit scores?

    It’s true. This can all happen if you add friends or family members– or anyone else – as authorized users to your Wells Fargo credit card account.

    Just be careful: While adding authorized users can help others build or repair credit, it could leave you with some financial pain if your authorized users don’t follow your spending rules.

    What is an authorized user?

    An authorized user is someone who has access to your credit card account. When you add an authorized user to your account, that person receives a credit card in the mail with its own unique number. But when they make purchases with this card, the charges go onto your account.

    You’d add an authorized user to your Wells Fargo credit card to help that user build or repair credit. Every time you make an on-time payment on your card, it’s reported to the three national credit bureaus of Experian, Equifax and TransUnion.

    These on-time payments steadily improve the credit score of both you and your authorized users. This is why parents might add their children to help them build a score or a friend or family member with a low score that needs a boost.

    There is a risk here for you: Authorized users aren’t responsible for paying off any of the charges they make. When they make a purchase, the primary account holder is responsible for paying it off. If you don’t, that charge will carry over past your credit card’s due date, triggering your card’s interest rate. If your authorized users make a lot of charges and don’t pay them off in full? You could face unexpectedly higher credit card bills each month.

    That’s why it’s so important to come to an agreement with your authorized users, spelling out exactly how much they can charge each month and when they must pay you for their purchases. If they don’t follow this agreement? You can remove them from your account.

    It’s not all risk when you add an authorized user, though. If you have a Wells Fargo-branded rewards card – such as the Wells Fargo Propel American Express® card or the Wells Fargo Cash Wise Visa® card – your authorized users will rack up rewards points and cash back bonuses when they use your card to make purchases, helping you earn rewards and cash back at a faster pace.

    Authorized user eligibility requirements

    You can add anyone as an authorized user to your Wells Fargo credit card account. This includes family members, of course, but can also include friends, employees or anyone else you’d like to add.

    To add authorized users, you must provide their name, address, date of birth and Social Security number.

    How to add an authorized user to your Wells Fargo account

    You can easily add an authorized user to your account by first logging onto Wells Fargo Online Banking. After logging in, click on the “Account Services” tab and then click “Credit Card Service Center.” Next, click on the “Request credit card features” heading. You can then click the “Additional cardholders for your account” link, which will allow you to add authorized users.

     

    Fee for adding an authorized user

    There are no fees for adding an authorized user to your Wells Fargo credit card.

    Managing authorized user access

    You can’t set limits on how much your authorized users spend each month. That’s why it’s important to only add authorized users whom you trust to follow whatever spending rules you set up with them.

    Fortunately, it’s easy to remove authorized users from your Wells Fargo account if they are not following your limits.

    Again, log into your Wells Fargo account. Click on “Account Services” and then on “Credit Card Service Center.” Next, choose the “Request credit card features” heading. You can then click “Additional cardholders for your account” to remove any of the authorized users on your account. You can also call the 800-number on the back of your Wells Fargo credit card to remove users.

    Pros and cons of adding an authorized user

    There are both risks and rewards for adding an authorized user to your Wells Fargo card.

    Pros

    • Credit score boost: When you add authorized users, you can help them repair damaged credit. When you make an on-time payment on your Wells Fargo card, that payment is reported to the national credit bureaus, which will provide a boost to your credit score and the scores of any authorized users.
    • Building credit scores: Some people don’t have enough of a history to have a credit score. This often happens with young adults who haven’t yet applied for their own credit cards or taken out any loans. You can help these consumers build their credit scores by adding them as authorized users. They’ll get the benefits of positive credit history without having to qualify for a card themselves.
    • A boost to your rewards: When authorized users make purchases with their Wells Fargo card, those charges go onto your account. This can help you earn rewards and cash back bonuses at a faster rate.

    Cons

    • Overspending: You are responsible for any charges made by your authorized users. If they refuse to pay you for their charges? You’ll have to make the payments – something that could bust your monthly budget.
    • A higher credit-utilization ratio: Your credit utilization ratio – a measure of how much of your available credit you are using – can help or hurt your credit score. If that ratio is high, your score will take a dip. If authorized users run up your credit card balance and then don’t pay you back for your charges? Your credit utilization ratio could rise, and your credit score could fall.
    • You could hurt your authorized users’ scores, too: If you make a payment 30 days or more past your due date, your credit score could fall by 100 points or more. And if you have authorized users on your account? Their scores will fall, too. Only add authorized users if you’re certain that you’ll always make your credit card payments on time.

    Should you add an authorized user to your Wells Fargo card?

    Adding an authorized user to your Wells Fargo credit card could improve the credit of your spouse, children or friends. But don’t ignore the risks. If authorized users run up charges on your account, you’re the one responsible for paying them off.

    The key? Only add authorized users whom you trust. And be sure to reach an agreement on how much these authorized users can charge and when they must pay you back for their charges.

    Source: creditcards.com

    How long does a credit card balance transfer take?

    Credit card balance transfers can take as little as three days or as long as six weeks to complete. How long your transfer takes will vary depending on your credit card issuer and a number of other factors, including whether you’re opening a new account with an issuer, how you apply for the transfer and how your existing creditors accept payment.

    We’ve reviewed how balance transfers work with some of the major credit card issuers to give you an idea of how long you can expect to wait, along with some tips on what you can do to ensure things go smoothly.

    See related: The basics of a balance transfer

    How credit card balance transfers work

    Balance transfers generally require good to excellent credit, but once you qualify, the process is fairly simple: You just need to provide your new creditor with the account number for your existing balance and how much you want to transfer. Once your transfer goes through, you’ll make payments to your new creditor.

    That said, each issuer handles balance transfers in its own way. Some will send payment directly to your old creditor, while others will give you balance transfer checks that you must fill out and send in yourself. Some only handle balance transfers by mail, while others allow you to complete the process online. Additionally, your new creditor may approve the full transfer amount or only a portion, depending on your credit limit and their own transfer limits.

    Put simply, which issuer you use and how your issuer handles balance transfers will have a marked impact on how long the process takes.

    How long does a balance transfer usually take?

    Most credit card companies will give you a sense of what to expect before you apply, but there’s no way to know in advance exactly how long a balance transfer will take, so you should be prepared to wait at least a couple of weeks for the transfer to be approved and completed.

    This chart should give you a general idea of how long a balance transfer will take with each issuer:

    Credit card issuer How long a balance transfer takes
    American Express 5 to 7 days on average, but can take up to 6 weeks
    Bank of America Up to 14 days
    Capital One 3 to 14 days
    Chase 7 to 21 days
    Citi 2 to 21 days
    Discover 4 to 14 days
    HSBC 7 to 10 business days
    Wells Fargo 5 to 7 days on average, but can take up to 10 days

    For more detailed information about how to do a credit card balance transfer with each issuer, check out our comprehensive guides.

    How to do a balance transfer, by credit card issuer:

    • How to transfer a balance to an American Express credit card.
    • How to transfer a balance to a Bank of America credit card.
    • How to transfer a balance to a Capital One credit card.
    • How to transfer a balance to a Chase credit card.
    • How to transfer a balance to a Citi credit card.
    • How to transfer a balance to a Discover credit card.
    • How to transfer a balance to an HSBC credit card.
    • How to transfer a balance to a U.S. Bank credit card.
    • How to transfer a balance to a Wells Fargo credit card.

    Can you speed up a balance transfer?

    As you can see, each issuer handles balance transfers a bit differently, and much of the process is out of your control. While you can’t exactly determine how long it will take for your balance transfer to go through, there are a few steps you can take to ensure the process goes as smoothly as possible.

    Keep the following balance transfer tips in mind:

    • Balance transfers to new card accounts take longer. If you’re transferring your balance to a new card account, you should expect it to take a bit longer than if you’re transferring to an existing account. Discover, for example, says that transfers to existing accounts are typically processed within four days, while transfers to new accounts can take up to 14 days.
    • Applying online saves time. As you might expect, submitting your balance transfer application online instead of sending a physical application through the mail should shave at least a few days off your wait time. Additionally, many issuers offer online tools that will help you track the status of your balance transfer.
    • Apply for a balance transfer when you apply for a new card. Many issuers will let you request a balance transfer at the same time that you apply for a new credit card. If you have a large balance to transfer, however, and want to see how high a credit limit you’re offered before you start the transfer process, you may choose to wait until you’re approved for the card. In that case, just be sure to initiate the transfer as soon as you get the information you need.
    • Waiting too long can cost you. Most cards that offer a 0% introductory APR on balance transfers or a 0% balance transfer fee require you to complete your transfer within a set period of time to take advantage of the promotional rate. If you don’t complete the transfer in time, you could end up paying a ton in added balance transfer fees or miss out on months of zero-interest payments.

    Balance transfer credit cards with no transfer fee

    What if my balance transfer is taking longer to show up than expected?

    If it’s been more than a few weeks since you submitted your balance transfer application and you haven’t seen funds post to your account or gotten any other updates, don’t hesitate to call your issuer and check on the status of your transfer. They may be able to tell you what’s holding things up and give you an idea of how much longer you can expect the transfer to take.

    While you wait, it’s critical that you continue paying at least the minimum on your existing credit cards and send all payments to your original creditor. You’ll know for sure it’s safe to stop making payments when your original account shows a balance of $0. Failing to keep up with payments while you wait for a balance transfer to complete could lead to late fees and damaged credit. Indeed, if your credit takes too big of a hit, it could even disrupt the transfer.

    Next steps

    If you’re carrying credit card debt and looking to save on interest, transferring your balance to a new card is probably a smart move. Not only will you “stop the bleeding” caused by mounting interest charges, but you’ll also get a chance to chip away at your balance and hopefully pay off or substantially reduce the amount you owe.

    That said, with so much variance between issuers and transfer methods, there’s no way to know exactly how long a balance transfer will take. You can get a sense of how long you’ll have to wait from your credit card issuer, but instead of worrying about that timeline, focus on what’s in your control: Apply as soon as you can, keep a close eye on your transfer and continue to make payments on your existing cards. This way, you can at least be sure you’re saving money and protecting your credit in the meantime.

    Source: creditcards.com

    Credit card expiration date: What it does, and where to find it

    In the era of lockdowns and social distancing, you’re probably relying most heavily on your credit card, as you shop online for many of your purchases.

    But you might run into a snag and not be able to complete your transaction if you’re trying to use your card after its expiration date.

    Here are some things to keep in mind if you want to keep those purchases coming all year long.

    See related: How do credit cards work?

    Wear and tear

    While your credit card account itself doesn’t expire at a certain time, the piece of plastic associated with it does.

    That’s because “magnetic stripes wear out, cards bend,” says Nessa Feddis, a senior vice president at the American Bankers Association.

    Because of their propensity to show wear and tear, “issuers want to make sure to get working cards into customers’ hands,” says Ted Rossman, industry analyst for CreditCards.com.

    Cards with magnetic stripes typically wear out faster, so they usually expire after three years, Rossman says.

    EMV cards, which contain computer chips embedded in them, tend to show less wear than those with magnetic stripes, Rossman says. As a result, many issuers are extending the expiration date on those cards to five years.

    Sending you a new card periodically also allows issuers to implement design upgrades and technology updates, according to a spokeswoman for Discover.

    Credit cards for retailers such as Macy’s can be an exception and there may be no expiration date on such cards.

    Safety and security

    Expiration dates also serve as a security measure. If you’re making a purchase online or by phone, you’ll typically be asked to provide your account number, the three- or four-digit security code on the card and the credit card expiration date.

    The expiration date helps to verify that your transaction is valid, Feddis says. “It’s another data point to match up.”

    For the card issuer, putting an expiration on a credit card helps the company manage its credit card portfolio, Rossman says. About 20% to 30% of credit cards that are issued are never activated.

    Having an expiration date on a card serves as a “mechanism for re-evaluating a customer’s standing and potentially clearing dormant cards off the books,” Rossman says.

    According to the American Bankers Association, Americans held 373 million credit card accounts in the second quarter of 2020. But that was down from 374 million in the second quarter of 2019. It was the first time the number of accounts has fallen since 2012, no doubt tied to the COVID-19 pandemic.

    Meanwhile, credit card debt fell by $74 billion from the third quarter of 2019 to the third quarter of 2020, according to the New York Federal Reserve. The drop was driven by the economic recession caused by the pandemic.

    See related: Many Americans say they’ll spend less after the pandemic than before

    Where to look

    If you want to check your credit card’s expiration date, you’ll often find it embossed on the front of your card, under your account number and above your name.

    It will be embossed with the two-digit month and two-digit year, such as 02/21.

    In the past, the raised numbers were needed on the front of a credit card because merchants would use a machine to make an imprint of the numbers on a receipt, and customers would have to sign the receipt. Now those machines are few and far between.

    Today you may have a newer chip credit card that has no raised numbers on the front, and the account number is printed on the back.

    With those cards, you’ll also find the expiration date on the back of the card, below your account number.

    The expiration date is listed as a month and year, so your card is valid through the last day of that month, the Discover spokeswoman says.

    Your new card should be sent to you well in advance of the expiration date. Once the new card arrives, be sure to activate it using your computer or by calling in to the number listed on the sticker placed on your card. Sign your card and be sure to destroy your old one.

    See related: What do the numbers on your credit card mean?

    Recurring payments

    If you use your credit card to make recurring payments, you’ll need to update your card information with the merchant to make sure your payments continue to go through, the Discover spokeswoman says.

    However, many merchants subscribe to credit card issuers’ account updater services. If you get a credit card with a new expiration date, or you receive a card with a new account number, the service updates that information to the merchant, so your credit card payment will continue to be processed.

    If your account information doesn’t automatically update, you may receive an email from the merchant, asking you to go to the company’s website and update your information.

    Paying attention to your credit card expiration date can help keep your transactions on track throughout the year.

    Source: creditcards.com

    Coronavirus: Ultimate guide to limited-time credit card offers and promotions

    The COVID-19 outbreak has created a lot of turmoil for financial institutions, businesses and consumers alike. To respond to a shift in spending patterns and assist customers, many credit card issuers have taken various measures, including deferring payments and providing other types of relief.

    Credit card issuers offer cardholders relief amid coronavirus outbreak

    Airline, hotel loyalty programs extending perks for members through coronavirus

    Coronavirus: Should you book rewards travel now or wait?

    Some issuers have also launched limited time promotions on their rewards cards to allow their customers to earn and use rewards according to their new spending habits.

    To help you navigate all the available offers credit card issuers launch to help you through this crisis, we’ve compiled an ongoing list that can help you stay informed. By using these offers, you can ensure your rewards credit card provides the maximum value even in these challenging times.

    Issuers offering limited time promotions amid coronavirus

    • American Express
    • Capital One
    • Chase
    • Citi
    • Discover

    American Express

    When it comes to assisting cardmembers during the outbreak, American Express has been staying ahead of the curve. Besides supporting customers through the Financial Relief Program, Amex has come up with limited time benefits and promotions to help cardmembers make the most of their cards. That includes statement credits on the things they need the most, rewards on the purchases consumers are making right now and extra time to earn a welcome bonus.

    Statement and travel credits

    • From Aug. 1, 2020, through Dec. 31, 2021, earn a $200 travel credit on The Platinum Card® from American Express when you make an eligible purchase through American Express Travel. The offer will be available to cardholders who renew their card between April 1, 2020, and Dec. 31, 2020.

    • Get up to $30 PayPal statement credits every month when using the Platinum Card. The offer is valid through June 30, 2021.

    Other promotions

    American Express cardholders can also get access to a two-month free trial to obé fitness monthly membership through March 31, 2021. This offer is only available to new subscribers.

    Capital One

    Unlike other issuers that focused on helping members keep earning rewards, Capital One decided to allow consumers to redeem their rewards in some of the most popular spending categories during the pandemic. Later, the issuer has also added a limited-time option to earn cash back on streaming services to two of its cards.

    Bonus rewards

    • Earn 4% cash back on eligible streaming services with your Capital One® Savor® Cash Rewards Credit Card*. Offer valid through April 30, 2021.
    • Earn 3% cash back on eligible streaming services with your Capital One SavorOne Cash Rewards Credit Card. Offer valid through April 30, 2021.
    • Earn 5% cash back on UberEats orders with Capital One® Savor® Cash Rewards Credit Card and Capital One SavorOne Cash Rewards Credit Card. Offer valid through Jan. 31, 2021.

    Limited time redemption options

    • Redeem your Ventures Miles from the Capital One Venture Rewards Credit Card and Capital One VentureOne Rewards Credit Card for eligible takeout, delivery and streaming services. Offer ends April 30, 2021.
    • Redeem your miles from the Capital One® Spark® Miles for Business* and Capital One® Spark® Miles Select for Business* for eligible takeout, delivery and phone services. Offer is valid until April 30, 2021.

    Chase

    Chase has taken multiple steps to ensure its offerings are adjusted to cardholders’ evolving needs. Besides launching a credit card relief program, the issuer is temporarily offering a statement credit to help cardholders cover their annual fee and an intro bonus period extension.

    Bonus rewards

    Chase is offering targeted spending bonuses through March 31, 2020 for some of its co-branded credit cards. Check your account to see if you’re targeted and activate the promotion.

    Here are some of the bonuses as reported by Doctor of Credit:

    Credit card Spending bonus
    United Club℠ Infinite Card
    • 5 total miles per dollar on up to $1,500 in combined purchases at grocery stores, gas stations and drugstores
    The World Of Hyatt Credit Card
    • 5,000 World of Hyatt bonus points when you spend $3,000 in purchases
    IHG® Rewards Club Premier Credit Card
    • 5 total miles per dollar on up to $1,500 in combined purchases at grocery stores, gas stations and drugstores
    Marriott Bonvoy Boundless™ Credit Card
    • 5 total miles per dollar on up to $1,500 in combined purchases at grocery stores, gas stations and drugstores
    British Airways Visa Signature® Card
    • 5,000 bonus Avios when you spend $5,000 in purchases

    Statement and travel credits

    From June 1, 2020, through June 30, 2021, gas and grocery store purchases on Chase Sapphire Reserve will automatically count toward the $300 travel credit. All Sapphire cardmembers will also receive up to $50 in statement credits towards an Instacart Express membership (annual or monthly).

    Limited time redemption options

    Chase United cardholders can now redeem United miles towards the annual membership fee on Chase United cards.

    Additionally, starting May 31, 2020, Sapphire cardmembers will be able to redeem points as a statement credit for groceries, dining (including takeout and delivery services) and home improvement store purchases using the new Pay Yourself Back tool. Through April 31, 2021, the rewards rate for Sapphire Reserve cardholders in these categories will be at 1.5 cents per point and 1.25 cents per point for Sapphire Preferred users.

    Citi

    Citi cardholders who have been affected by the coronavirus pandemic can request assistance, such as waived payments and late fees. They can also spend their travel credit on essentials and food.

    Limited time redemption options

    On top of that, eligible Citi cardholders can to redeem ThankYou Points toward gas at Shell, BP and Amoco stations. To use this redemption option, swipe your eligilble Citi credit card at a participating gas station. When the gas pump screen prompts you to redeem ThankYou Points, select “Yes” to pay for your purchase with points.

    Discover

    As COVID-19 is changing what travel looks like now and in the future, Discover has announced a permanent change to its travel credit card that offers cardmembers more flexibility, value and ways to redeem rewards.

    “The pandemic has transformed the way customers travel and we are making changes to our travel credit card to reflect that,” said Meera Sridharan, Vice President of Rewards and Product Strategy at Discover. “Discover it® Miles card has expanded redemption categories to be more relevant to customers who are rethinking ways to travel while continuing to provide a simple way to earn rewards on every purchase.”

    New redemption options

    Discover it Miles cardholders can now redeem their miles as a statement credit toward purchases at restaurants and gas stations. Customers can also redeem those miles for Cash or at checkout at Amazon.com or with PayPal to cover costs beyond traditional travel categories.

    The expanded travel credit will be applied to all transactions posted on or after June 9, 2020.

    Final thoughts

    The COVID-19 outbreak has taken a toll on many consumers’ financial health. If you’re unsure if your credit card is worth keeping during this time, your issuer may be able to help you. Even if you haven’t found any special offers for your card on this list, contact your bank and see if it can offer a more personalized solution.

    *All information about the Capital One Spark Miles for Business, Capital One Spark Miles Select for Business and Capital One Savor Cash Rewards Credit Card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.

    Source: creditcards.com

    How to transfer a balance to a Chase credit card

    The interest rate on your credit card is too high. And because you carry a balance each month, that rate is costing you serious dollars.

    If you’re considering making a balance transfer to a Chase credit card, here’s everything you need to know before applying – including card options, restrictions, balance transfer fees, chances of approval and even potential pitfalls.

    See related: Best balance transfer credit cards

    Chase balance transfer guide

    • Chase balance transfer offers.
    • What you should know before applying.
    • How to improve your chances of approval.How to initiate a balance transfer.
    • How to make a balance transfer work.

    Chase balance transfer offers

    Chase currently doesn’t offer any introductory APR options for consumers who want to transfer an existing balance (unless you are individually targeted). It does, however, offer a few intro APR promotions on new purchases, including:

    Chase Freedom Unlimited

    • 0% promotional period: First 15 months on new purchases after you open your account – but not on balance transfers.
    • Regular APR: 14.99% to 23.74%(variable).
    • Worth noting: 5% cash back on Lyft purchases (through March 2022), 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining, 3% cash back on drugstore purchases, 1.5% cash back on all purchases; no annual fee; $200-sign-up bonus if you spend $500 in first three months, plus 5% cash back on grocery store purchases (not including Walmart or Target purchases, on up to $12,000 in spending in your first year)

    Chase Freedom Flex℠

    • 0% promotional period: 15 months on new purchases, but not on balance transfers.
    • Regular APR: 14.99% to 23.74% (variable).
    • Worth noting: 5% cash back on rotating categories that you must activate each quarter (up to $1,500 per quarter); 5% cash back on Lyft purchases (through March 2022); 5% cash back on travel purchased through Chase Ultimate Rewards; 3% cash back on dining; 3% cash back on drugstore purchases; 1% cash back on general purchases; no annual fee; $200-sign-up bonus if Best no annual fee credit cards

      What you should know about Chase balance transfers before applying

      There are limits to balance transfers with Chase credit cards, according to the company.

      • Customers can’t transfer more than $15,000 in credit card debt within any 30-day period.
      • You can’t transfer your balance from an existing Chase card to another card issued by Chase.
      • Balance transfer requests take time. While Chase says that your debt will be transferred to your new card within a week, it can take up to 21 days.
      • You need to continue making payments on your existing card until you are certain that the balance transfer has closed.
      • Balance transfers won’t earn you rewards points or cash back, if the card you are transferring a balance to offers them.
      • There is no guarantee Chase will approve your balance transfer request. It might turn you down if you are past due on your existing card or if it believes you won’t be able to repayFICO credit score.

      Revolving payments such as your mortgage loan, credit card bills, student loans and auto loan areZero to 750: What’s the fastest way to raise your credit score?

      How to initiate a balance transfer to a Chase credit card

      If you already own a Chase credit card:

      • Log into your account and select the “transfer a balance” option. This will bring up the offers available to you.
      • To start the process, provide some basic information about the card from which you want to transfer a balance.

      If you are applying for a new Chase credit card:

      • Start a credit card application for a Chase balance transfer card.
      • make a plan to pay it off before any 0% offer expires.

        Steps you can take to ensure you will able to pay off your debt include creating a budget, choosing a payoff strategy and stashing your card to avoid making any extra charges.

        “Zero percent offers are an amazing deal if you plan to pay it off by the end of a promotional period,” said Aris Jerahian, AVP of card services at Anaheim, California-based Orange County’s Credit Union. “Unfortunately, most consumers focus on short-term goals, taking advantage of such deals while never paying off their balance in time.”

        Source: creditcards.com

    Renting And Rv

    Contents

    1. Multicolored company bikes parked
    2. Top ten rentals jan 24
    3. Reviewed truck rental
    4. Recreational vehicle renting
    5. Home. rving lets

    Dec 06, 2018  · We will share with you 2 companies that we recommend checking out along with tips on what to look for when renting your RV, average prices for renting, and recommended locations to visit so you have a great RV rental experience. These tips will be helpful if you are planning to rent an rv for a week or for a weekend!

    How to Rent an RV - First Time But RV travel still comes with some expenses. Here’s how to keep them in check. RVs range from small campers and towable …

    Cruise America Offers Several RENTAL OPTIONS. In addtion to your traditional round trip RV rentals, Cruise America offers rentals to those who are looking to travel one-way, need temporary housing or want to be the first to take delivery of a vehicle fresh off of the assembly line.

    Around Google’s campus there are sometimes multicolored company bikes parked nearby so RV dwellers can jump on and ride to …

    Finally, get on your way! Enjoy the experience and everything that comes with renting an RV for the first time. You may discover you love it and end up buying your own to keep the adventure going. Renting an RV is the best way to figure out if RVing is right for you or your family.

    Unlimited Rv Good Hope top ten rentals jan 24, 2019  · Top Ten Reviews has reviewed truck rental companies for more than eight years. We researched both national and local truck companies; however, we ultimately chose to focus on national companies that offer local, and in most cases one-way, service. which boasts low car rental prices, where an individual can
    Rv And Motorhome Rentals We offer one-way RV rentals throughout the United States at varying rates from city-to-city. Many times, one-way fees will be waived (no charge) or on special discount. Check our online RV rental quote and reservation system to see what your one-way trip will cost. Get RV rentals anywhere in America! The Official rv rental web

    Its also an important weekend for recreational vehicle renting service Outdoorsy, which pairs RV owners with customers …

    Top Ten Rentals Jan 24, 2019  · Top Ten Reviews has reviewed truck rental companies for more than eight years. We researched both national and local truck companies; however, we ultimately chose to focus on national companies that offer local, and in most cases one-way, service. which boasts low car rental prices, where an individual can get by in

    If you’re thinking about going on a road trip, camping, or renting an RV for a special event, RVshare makes the whole process simple and fun! Getting behind the wheel of a motorhome is a great way to explore the country while still having all the comforts of home. rving lets you get up close and personal with nature, and allows you to spend …

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