If you don’t pay your credit card bills off each month, please don’t read any further.
If you do, it might be a benefit to you, (and to me too), for you to read this post below, and the disclaimer below.
Basics: 80,000 Ultimate Rewards Points for spending $5,000 over 3 months
If you are just thinking of starting this hobby, this is a great first card!
If you are able to normally spend $5,000 over the course of 3 months, (internet, cable, cell phone, groceries, insurance, fuel, business expenses, etc.) this offer might be for you.
My link below to the offer, is a referral link for me, I do benefit if you use my link. Thanks.
What do I do with Ultimate Rewards?
Best use, flexible transfer to airlines. Including Southwest and United. Transferring a few miles to United to bump up my account is how I sent my son to Israel this past summer!
Other uses: Chase Travel Center, gift cards, cash back, transfer to hotel partners, etc.
Wait! This card has a $95 annual fee!
Yup. And it’s worth every penny.
The 80,000 points are VERY valuable. According to The Points Guy, these points are worth approximately $1,600.
At the very least they are worth $800 in gift cards or cash back.
Uh, this is a business card. I’m not a business owner.
Good catch. As someone who makes purchases for the business I work at, (a church), I simply use the church info. Reminder: The card and liability is in MY NAME, not the church’s. This is actually very helpful as it is how I keep my business purchases separate. I have never been turned down for a business card.
I found this quote on a Points website as well:
Keep in mind too that you don’t need to have a formal business to get approved for the cards on my list below. Many issuers allow individuals to apply for small business credit cards as a sole proprietor by simply using your Social Security number on the application. Maybe you do some freelance consulting or design work, or maybe you sell items on eBay or Etsy. Whatever the case, you shouldn’t immediately rule out any of the cards below. – The Points Guy
Again, thanks for using my link, as I do benefit.
Many of you know that Sarah and I have traveled frequently over the past 7 years. Hawaii, Israel, Boston, Oregon, Orlando, New Orleans, Ivory Coast, etc. Some of you also know that we have paid close to nothing for airfare, and even flew to Hawaii, Israel, and Ivory Coast in Business Class.
Frequently, our accommodations have also been at no cost. 9 days in Orlando, with hotel breakfast and dinner, no cost. No taxes or fees, either!
By managing not just how much we spend, but HOW we spend, has enabled us to accomplish this.
We utilize offers from credit card companies, that reward with a huge bonus for spending a certain amount within a certain period of time. I pay no interest charges, no late fees, and very rarely pay an annual fee, unless the benefit of the fee is financially worthwhile to me.
If you can stay on top of details, keep track of dates, pay your bills in full and on time, and if you are already spending enough to meet the requirements, this could be a helpful hobby for you, as it has for me.
If not, please move along. It won’t be worth your time, and could end up hindering you financially.