You want in. The idea of making money with the Amazon Associates program sounds enticing. And when you buy products on Amazon, you’re always amazed at the pure volume of stuff they sell. But your understanding of how it all works is, well, fuzzy. Let’s bring it into sharp focus. I’ll walk you through the [...]
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By: Ann Topics: Make Money Online More posts about: Passive Income, Website Monetization The easiest way for most people to increase sales from their website, is to increase conversions. In this post, I’m going to share with you our best tips for doing exactly that. If You Want To Increase Sales Consider this: You are [...]
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By: Michael Dunlop Topics: Make Money Online More posts about: Passive Income, Website Monetization When it comes to finding ways to monetize your website and making money online, the best thing I have found, is to use a variety of different techniques and to always be testing. This blog makes money by selling our own [...]
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Advertiser Disclosure: I Will Teach You To Be Rich has partnered with CardRatings for our coverage of credit card products. I Will Teach You To Be Rich and CardRatings may receive a commission from card issuers.Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by [...]
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By: Michael Dunlop Topics: Make Money Online More posts about: Affiliate Marketing, Product Creation Monetizing any website, is a journey. It’s unrealistic to expect that you can make one change to your website and it’s going to provide you with the best possible results. The best way to approach monetizing a blog, is to focus [...]
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The same effect occurs with auxiliaries. But auxiliaries take place of actions. They improve sentences that use flowery verbs, complexity or useless repetition. Some auxiliaries include, “am,” “are” and “is.” “The dog ‘is.’ ” Without that auxiliary to shorten the dog’s verb of being, often you get: “The dog stands there with brown fur and [...]
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By: David Aston Topics: Make Money Online More posts about: Blogging Tools, Conversion Optimization SamCart, a new SaaS product for digital marketers is something we’re really excited about. The brainchild of a very successful internet marketer, Brian Moran, of “Get 10,000 Fans”, SamCart was built from the ground up to be a tool internet marketers [...]
via Make Money Online Home Blog https://ift.tt/2mKrKh5 via Make Money Online Home Blog https://ift.tt/2myFg7B Advertiser Disclosure: I Will Teach You To Be Rich has partnered with CardRatings for our coverage of credit card products. I Will Teach You To Be Rich and CardRatings may receive a commission from card issuers. Foreign transaction fees silently kill your credit card rewards. Depending on the card, foreign transaction fees add a 1-3% fee on top of every foreign transaction. For me, international trips can be one of the biggest expenses that I have all year. Flights, hotels, tours, restaurants, it adds up. Adding a 3% fee on top of all that gets hefty. Let’s say you spend $10,000 on an international trip and every dollar gets hit with a nasty 3% transaction fee. You’ll end up paying an extra $300 just for using that card. That’s a lot of money! And for what? The convenience of using a credit card? No thank you, that’s a terrible deal. Even as you rack up points, perks, and cash back, you could negate all of those rewards by using the wrong card during one international trip. Here’s the worst part. Foreign transaction fees can ding you even if you never leave the country. These fees trigger any time there’s a transaction through a foreign bank. So when you purchase something online that happens to be located internationally or uses an international bank, the fees can still trigger. I can’t stand hidden fees like this. Since I love to travel internationally, I have a mandate of only using credit cards without any foreign transaction fees. Even the one debit card I carry for emergencies doesn’t have them. That way I never have to think about it. Some types of cards are more prone to having foreign transaction fees than others:
Regardless, I always double check every card that I’m considering. If you never travel internationally, you can get away with choosing a card that has foreign transaction fees. Just be aware that you can still get hit with them occasionally. The Top 3 No Foreign Transaction Fee Credit CardsHow to Pick a No Foreign Transaction Fee CardI have a deep guide on how to pick the right card in our best credit cards post. It walks you through everything you need to pick the right card from scratch. As a quick summary:
Go through the same process when looking for a no foreign transaction fee card. The only difference is that you’ll only consider cards without these fees as you go through the process. Depending on the type of card that you want, your selection process will be a bit different. Most travel rewards cards won’t have foreign transaction fees. Folks with travel cards tend to…well… travel so it’s a common perk to have no foreigh transaction fees. Once you’ve picked the card you want, check their fees to be safe but you shouldn’t have any issues getting the card you want. The point is you don’t have to worry about foreign transaction fees until the end. Focus on finding the right card, then double check that there aren’t any fees. Business cards are even easier. Almost all of them don’t have foreign transaction fees. So pick the best card, double check just to be safe, and you’ll be all set. Cash back cards are almost the exact opposite. Most cash back cards have foreign transaction fees. It’s the most common downside of having a cash back card. Instead of picking the ideal cash back card and hoping it doesn’t have foreign transaction fees, it’s usually best to work in reverse. Start with the few cash back cards without fees and then pick the one that’s the best fit from that pool. Unfortunately, you’ll have much fewer options with cash back cards since it’s not a common perk. I personally restrict myself to cards that have no foreign transaction fees. So this is the exact process that I use when looking for a new card.. Or you could go straight to our favorite no foreign transaction fee cards. Our Favorite No Foreign Transaction Fee CardsWhat if you want to jump straight to the best cards with no foreign transaction fees? Which should you choose? We’ve combed through all the cards to find our top three favorites, one for each of the main card types: travel rewards, business, and cash back. Chase Sapphire Preferred (Travel Rewards)I love love love the Chase Sapphire Preferred card. It’s probably the most popular card on the market right now and has been for a long time. It earns 2X points per dollar on travel and dining at restaurants. For me, those tend to be my biggest spending categories. Earning double points on them gets me a ton of points over the year. Does it have the best rewards or perks? Not quite. Other cards do earn more points or have more perks. But it’s an incredible deal at a very reasonable annual fee of $95. The value that you get from this annual fee is unbeatable. That’s why it’s so popular. The Chase Ultimate Rewards points are solid too, it’s one of the best points networks out there. You’ll be able to transfer your points at 1:1 to plenty of airline and hotel partners, giving you tons of flexibility on finding great redemptions. For your first rewards card, I strongly recommend getting the Chase Sapphire Preferred. It was my first rewards card and I racked up a ton of points with it that I used for many international trips. And of course, you get all this with no foreign transaction fees. I used mine worldwide and never had a single issue. *Terms apply – Learn more about this card. Ink Business Preferred (Business)I love the Ink Business Preferred card for businesses, it’s a point-earning machine. You’ll earn 3X points across these categories:
There is a cap of $150,000 for these bonus points. So once you’ve earned 3X points on $150,000 worth of spending, you’ll start earning 1 point per dollar after that. You also earn 1 point per dollar on all spending that doesn’t fall into the categories above. If you max out the point bonus, you’ll earn 450,000 points per year. I particularly love using this for online ad budgets. It’s easy to spend thousands, even tens of thousands of dollars every month on adds. When done correctly, that spending goes directly to growth for your business. Now add an incredible point bonus on top of it. That’s amazing. If you average $12,500 across any of these spending categories or are even in the ballpark, get this card. You’ll rack up almost half a million points per year. This is how business owners generate millions of points for first-class flights and nights at the best luxury hotels without having to pay for any of it. Other than a few minor fees, you’ll easily have enough points to travel in top-tier luxury for free. These are also Chase Ultimate Points. You’ll have tons of flexibility in how you redeem your points for great airline tickets and hotel stays. It does have an annual fee of $95 which is super low considering how many points you can earn with it. Employee cards are also free, making it even easier for you to earn points off their purchases. And of course, there’s no foreign transaction fees so you can use it worldwide. If you do any business internationally, get this card to avoid any foreign transaction fees. An extra 1-3% charge for businesses can add up to serious amounts of money. *Terms apply – Learn more about this card. Capital One Quicksilver Cash Rewards (Building Credit and Cash Back)Hands down, the Capital One Quicksilver Cash Rewards card is the best cash back card without foreign transaction fees. Be aware that there are two versions of this card:
They’re almost identical. They both get you 1.5% cash back on every purchase. You won’t have to worry about rotating categories, cash back limits or anything else. Simply spend money and get a flat 1.5% cash back. Of course, neither of them have foreign transaction fees. Now let’s get into the differences. QuicksilverOne Cash RewardsThe QuicksilverOne Cash Rewards will accept folks with average credit but does come with an annual fee of $39. That’s a really low annual fee. As long as you spend $2,600 per year, you’ll come out ahead with your cash back rewards. The APR is also higher but I never worry about that. And neither should you. You want to get in the habit of paying off your cards in full every month. And it doesn’t have a signup bonus. I don’t worry about that either. Signup bonuses come and go quickly. In the long-run, they have very little impact on your total rewards. This is a fantastic option if you’re building credit in order to get access to the better cards. *Terms apply – Learn more about this card. Quicksilver Cash RewardsThe Quicksilver Cash Rewards is only available if you have an excellent credit score. In exchange for having great credit, there won’t be an annual fee. The APR is also lower and there’s a signup bonus. Again, neither of these should matter much. Regardless of which one you get, I love the simplicity of these cards. 1.5% cash back without foreign transaction or annual fees. That’s an amazing deal. No annual fee, no worrying about getting hit with a foreign transaction fee, no points to manage. Use the card anywhere and everywhere without ever having to think about it. Are there cash back cards with better returns? Yes. You can find cards with higher cash back rewards. But they have foreign transaction fees and possibly annual fees too. That really dings the rewards that you get to keep. This is the only cash back card I’d ever consider getting since I refuse to have any card with foreign transaction fees. I highly recommend it. *Terms apply – Learn more about this card. Advertiser Disclosure: I Will Teach You To Be Rich has partnered with CardRatings for our coverage of credit card products. I Will Teach You To Be Rich and CardRatings may receive a commission from card issuers. Do you know your actual earning potential?Get started with the Earning Potential quiz. Get a custom report based on your Start The Quiz Takes 3 min via Make Money Online Home Blog https://ift.tt/2myFY4R Advertiser Disclosure: I Will Teach You To Be Rich has partnered with CardRatings for our coverage of credit card products. I Will Teach You To Be Rich and CardRatings may receive a commission from card issuers. Business credit cards have the potential to unlock ridiculous rewards for you. Since businesses tend to spend a lot more money, you can earn a LOT more rewards. Don’t skimp on this, get your business set up on the right credit cards. A little time on this could easily earn you tens of thousands of dollars in rewards value. The Top 5 Business Credit CardsJump ahead to The Best Business Credit Cards For TravelHow do some folks rack up millions of points and never pay for travel again? By owning a business and running as many expenses as possible through their business credit card. This is when the rewards get ridiculous. Depending on the size of your business, it’s possible to rack up enough points to stay at the nicest hotels in the world and fly first class on multiple international trips each year. Then pair those points with perks like airport lounge access and free hotel upgrades. You’ll be traveling like a VIP on every trip. The cost? Just the annual fee charges on your credit cards and small airline or hotel fees that can’t be covered with points. Otherwise, it’ll all be free. If you love to travel and own a business, I strongly recommend getting a travel business credit card. The rewards are too good to pass up. You might even consider getting two business travel cards. Use one as your point-generating machine and the other for travel perks. The Best Cash Back Business CardsRunning a business isn’t easy for any of us. We’re always juggling a ton of stuff. When we have to manage so much, simplifying any aspect of our business goes a long way. One way to do this is by picking a cash back card for your business. I love cash back cards for their simplicity. There’s no points to manage, no spending categories to worry about, no partners to transfer rewards to, all that stuff goes away. Simply spend money for your business and get a straight cash back on every purchase. The real benefit comes from freeing up your mental energy to keep growing your business. I can’t overstate the value of this. Less stuff to manage means better decisions. In the long-run, most folks probably earn a better return from having more time and energy than they do from having rewards points. If you dread having one more thing to worry about by having a rewards points program, skip them altogether and get a cash back card for your business. It’s like getting a 1-2% discount on every purchase that you make. That’s a great deal considering there’s nothing you need to do after you get the card. Even if the other business credit cards aren’t for you, at least get a cash back card. The Best Fair Credit Business CardsBusiness credit scores work a bit differently than personal credit scores. If you’re applying for a business credit card as a sole proprietorship, your personal credit score will heavily influence the credit score of your business. Even if your business has an employment identification number (EIN) and is a separate entity, your personal score can still influence it. On top of that, the formulas and data for business scores are more varied. Each business credit score company has its own method. This means two things:
In either case, you may have to build up the credit of your business before getting the best business credit cards. To do that, use the Capital One Spark Classic card. There’s no annual fee, gets a straight 1% back on every purchase, and will approve businesses with a wider range of credit than other cards. Get this card if you’ve had trouble getting approved for a couple of the other cards or you have fair personal credit. The Best Cards For Loyal Frequent TravelersFor personal use, I’m not the biggest fan of loyalty cards. I like having the flexibility to travel wherever and however I like. But as a business owner, I completely endorse loyalty cards. When traveling for business, I have a completely different mindset. I don’t care about unique or memorable travel. I want fast decisions, consistency, and dependability. Get in, do the job, and get out. This means I try to fly the same airlines and stay at the same hotels when traveling for business. Loyalty cards are perfect for this. For example, I have a friend that helps open to new Chipotle locations across the US. He usually travels once per week for a one night trip. Sometimes he’ll fly back on the same day. The point is that he’s racking up a ton of miles back and forth to smaller airports. Guess what airline he uses? Southwest. In this case, the Southwest Rapid Rewards Performance Business Credit Card is a perfect fit. He’d get upgrades, bonus points, and wifi credits when flying. Each set of credit card parks is a bit different but they include things like:
Get the cards that match your travel habits. You’re already spending the money anyway, get the card perks to go with it. Even if that means locking into the same airline and hotel when traveling for work, I consider that a benefit. Consistency when traveling more than makes up for a slight decrease in flexibility. Here’s a few rules that I follow when picking the right loyalty programs for my business:
How to Find The Right Business Credit Card For YouHere’s the step-by-step process that I use to find the right card. Step 1: How good is the credit for your business?For individuals, everyone has their own score and scores are all basically calculated the same way across different credit agencies. For businesses, things get more complicated. First, your individual credit score might be used for a new business until it has its own credit history. Second, business credit scores can be calculated quite differently depending on the agency. This means that you might have to build the credit for your business from scratch regardless of how good your personal credit score is. And if you have little or no credit yourself, that could also impact your business credit. The best business credit cards all require excellent credit. So if you haven’t been approved for a few of them or know that you need to build up your credit, start with a business credit card that helps you build up your credit card over time. Our favorite card for building credit is the Capital One Spark Classic. Step 2: Do you want to maximize value or simplicity?Once your credit is high enough, you’ll need to decide whether reward value or simplicity matters to you more. I personally prefer to maximize reward value. That’s why I always pick points cards that I can then redeem for international flights and hotels. I also use travel cards to get perks while traveling. All this gets me the most value in rewards. However, I totally understand when folks want to skip all that and keep things simple. Points do take more effort to manage. You have to track them, transfer them to the right programs, find good points deals, and plan out your trips. Managing a business is complicated enough, keeping things simple goes a long way to helping you stay focused on your business. If managing points and travel cards sounds like a headache, skip those cards entirely and get a cash back card. Giving up a bit of rewards value for simplicity is a great trade. And if you don’t travel, pick a cash back card. The points cards really shine with travel perks and redemptions. If you don’t travel, you won’t be able to get the same amount of value. Sticking with a cash back card will be a much better option. Step 3: Pick a primary spending cardOnce you’ve decided on whether to get a travel card or a cash back card, your next step is to pick your primary spending card. No card is perfect. Some have better perks, some have bonus points on certain categories rather than others, some are simpler. No one gets a card that’s perfect. The goal is to find the card the overlaps with your business spending the most. For example, if you want a travel rewards card and spend a lot on online advertising, get the Ink Business Preferred Credit Card and use it as your primary spending card across all spending categories. You can always get additional cards later, start with one card as your primary card. Here are a few of the cards that we frequently end up with:
Step 4: Add optional cards for extra perks or rewards maximizationThis step is entirely optional. Many businesses can stick to a single rewards credit card and never need to go beyond that. And if your goal is simplicity, I strongly recommend that you stick to a single card. Additional cards will only add complexity. But you may be okay with some extra complexity in order to get some nicer perks. Especially for frequent travelers, a few extra cards can really up your travel game. Here are a few options that I’d consider:
Again, all this is optional. Only consider these options if you’re comfortable managing some extra complexity on top of the card you already have. Business Credit Card ReviewsLet’s go through our deep-dives on all our recommended cards. The Business Platinum Card from American Express ReviewYou won’t earn as many points as some of the other cards on this list but you’ll get perks that you can’t find anywhere else. You’ll earn these points on your spending:
And if you love perks, this is THE card to get. The biggest perk: access to the Centurion Lounges. They’re amazing and only available to cardholders. If you fly regularly through an airport with one, this could be worth the fee on its own. Definitely check the list of locations though, only about a dozen US airports have them. You’ll also get access to the International American Express lounges and Delta Sky Club access when flying Delta. American Express did add a perk with WeWork. You’ll get a year of Platinum Global Access. This gets you access to WeWork common areas during the normal business hours of any WeWork location. If you travel regularly, this would give you a reliable place to work in major cities. It has a few other perks worth mentioning:
All this for a $595 annual fee, one of the highest in the industry. If the perks are worth the added expense for your business, get the card. *Terms apply – Learn more about this card. Capital One Spark Miles for Business ReviewThis card may be simple but it packs an amazing punch. You’ll get 2X points on everything. That’s right, double points on every dollar spent. That’s an amazing deal. I also love the simplicity of it. No categories to remember at all. It also comes with Global Entry or TSA Pre-check Credit, no foreign transaction fees, and free employee cards. The only downside to this card is the points network. Well, it’s not really a downside, it’s just something to be mindful of. You’ll be collecting Capital One points which can be transferred to these partners:
Emirates, Etihad, EVA, and Singapore are all amazing airlines. As long as you enjoy international travel, you’ll get a good use of your points. Other than JetBlue, there aren’t any US-based airline partners. You’ll still be able to book US flights through other airlines or through the Capital One travel portal. But you won’t have as much flexibility as other points programs. Not a deal-breaker by any means, just something to watch out for in case you have a strong preference on airlines. There is an annual fee of $95 which is waived the first year. That’s extremely reasonable for the value that you get out of this card. *Terms apply – Learn more about this card. American Express Business Gold Card ReviewThe American Express Gold card gives you a ton of points and flexibility on how to earn those points. Here’s how it works. The Gold card has 6 categories of spending:
Each month, you’ll earn 4X points on the top two categories. So wherever you spend the most, you’ll get bonus points. This applies to the first $150,000 in spending for the year. Once you’ve gotten 4X points on $150,000 worth of spending, you’ll get 1 point on everything after that. And you get 1 point on all other purchases. This gives you a ton of flexibility. Let’s say you get a huge advertising bill one month and a giant software annual contract the following month. It’s possible to get 4X points on both without any effort on your part. No other card gets you this many points with this amount of flexibility. For point generation, it’s easily one of the best. Keep in mind that these categories are only for US spending. If the bulk of you spending is international, you won’t be able to rack up enough bonus points for this card to be worth it. Unlike some of the other American Express cards, you do have the ability to pay down purchases of $100 or more over time. You’ll get charged interest but it is an option. Every purchases under $100 must be paid in full every month. While I always recommend paying every card in full each month, this option does give you some cash flow flexibility on large purchases when your business needs it. There are no foreign transaction fees to worry about. You also get two travel perks when you book hotels through The Hotel Collection with American Express Travel:
It does have a $295 annual fee which is on the high end. Since there aren’t many perks, make sure you can take full advantage of the 4X point categories. *Terms apply – Learn more about this card. Capital One Spark Cash for Business ReviewI truly love the simplicity of this card. 2% cash back on everything. Super simple and a great return for not having to do anything There aren’t any foreign transaction fees either so feel free to use this card for all your purchases. And the employee cards are free, helping you get more cash back across your company. The only downside is the $95 annual fee. While it’s much smaller than other fees, this will ding the total value of the rewards a bit. You’ll need to spend enough on the card to cover the annual fee and still come out ahead compared to a standard 1% cash back card without an annual fee. If you consistently spend $10,000 annually (about $830/month) on your card, you’ll get enough cash back on this card to justify the fee. If you spend less than that, you’ll get a better return from a 1% cash back card without an annual fee. If you don’t travel much or want to keep things as simple as possible for your business, get this cash back card. *Terms apply – Learn more about this card. Ink Business Preferred Credit Card ReviewThis card is a point-earning machine. It’ll rack up more points than you’ll know what to do with. Here’s how it works. You’ll earn 3X points on the first $150,000 in combined spending each year on these categories:
If you spend a lot on travel and shipping, those could be big winners. The other key category is the social media and search engine spending. Those advertising budgets can get quite large at many businesses. I’ve personally managed budgets as large as $170,000 per month in spending. If you’re already paying for this advertising, get the 3X points by using this card. After that, you’ll earn 1 point for every $1. If you max out the 3X spend limit, that’s 450,000 Chase Ultimate Rewards points every year. Any business with $150,000 of annual spending or below in theses point categories should get this card. The best part is these points are pretty valuable. They’re Chase Ultimate Reward points which is one of the top point programs. It has a ton of great partners with 1:1 points transfers. This means you’ll be able to book amazing flights and hotels with your points. While there aren’t many perks on this card, that’s not really the point. This card is all about point generation for a very reasonable annual fee of $95. And when your business is ready, it has free employee cards so their spending earns you even more points. *Terms apply – Learn more about this card. Capital One Spark Classic for Business ReviewThis is the ideal card for building credit. First, the cash back is 1% on every purchase. Super easy and simple. Second, there’s no annual fee and no foreign transaction fees. Employee cards are also free. Third, it’s designed for folks with average credit so you have a much better chance at getting approved than the other cards in this list. If you’ve been denied by some of the better cards, try applying for this one. It’s a solid card to start with. Use it to build your credit and apply for one of the better rewards cards later on. Yes, the APR is pretty high but that shouldn’t matter. Always pay your cards off in full every month. Otherwise none of the rewards will be worth it, you’ll pay more in interest charges than you’ll ever get back in rewards. The Capital One Spark Classic gives you 1% cashback on everything, has no fees, and is easier to get approved for. That’s an ideal card for building credit. *Terms apply – Learn more about this card. Southwest Rapid Rewards Performance Business Credit Card ReviewNormally, I wouldn’t recommend that someone commit to Southwest as their primary airline and points program. The lack of international flights and airline partners really limits the usefulness of the miles. That said, Southwest could easily beat every other airline for you. It all comes down to the type of flying that you do. If you often travel to smaller airports, Southwest could be a game-changer. They don’t have a traditional hub-and-spoke model like the major airlines. That means they have a lot more direct flights to and from smaller airports. Instead of flying small airport -> major hub -> small airport, you have a much better chance at going direct with Southwest. As much as I like free international flights, I’d immediately make Southwest my primary airline if I traveled to smaller airports regularly for business. Cutting out connections easily makes it worth it to me. If that’s you, I recommend getting the Southwest Rapid Rewards Performance Business card. Why not get some extra Southwest perks on flights you have to fly anyway? Granted, it is possible to book flights on other carriers through the Southwest rewards portal. But in general, these portals don’t give deals that are as good as transferring points into airline programs directly. You’ll get these perks when flying:
There are some bonus points but they’re generally not as strong as other card programs:
Like most airline cards, I’d use a better rewards card to rack up cash back or points while using this card to get extra perks when flying Southwest. There’s also no foreign transaction fees. It all comes down to whether the perks are worth the $199 annual fee to you. If you fly Southwest often and the fee is worth the perks, get the card. *Terms apply – Learn more about this card. Platinum Delta SkyMiles Business Credit Card from American Express ReviewThe mile-earning potential on this card is pretty limited so you won’t want to use this as your primary card. You’ll earn:
This is much lower than other cards. The perks, however, are quite good for Delta flyers. You’ll get the standard airline perks like priority board and a free checked bag. Even if you fly a few times a year on Delta, this makes a huge difference. The stand-out perk is the companion fare. You’ll receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your card. That’s a fantastic deal. That’s like having a 50% discount on one domestic trip per year. It’s worth getting the card for this perk alone. You’ll also receive a 20% savings in statement credit on all in-flight purchases of food, beverages, and audio headsets. This isn’t a game-changer but it’s a nice little perk. Lastly, this card could help you super-charge your status progress. When you make $25,000 in eligible purchases on the card in a calendar year, you’ll earn 10,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs). And when you make $50,000 in eligible purchases on the card in the same calendar year and earn an extra 10,000 bonus miles and 10,000 MQMs. This will help a lot if you’re trying to get to the highest levels of Delta status. But it does require that you use your Delta card for purchases. Since you’d have to give up higher value points by not using another card, the costs can be substantial. Let’s say that you only earn one Delta mile per dollar on $50,000 worth of spending. You’d be giving up 100,000-150,0000 points by not using another card that gives 2-3X points on those same purchases. That’s a lot of points. Only use this card to pursue Delta status if you’re already maxing out bonus categories on your primary spending card or you have a lot of purchases throughout the year that would only earn you 1 point per dollar anyway. The card does come with an $195 Annual fee but no foreign transaction fee. When you factor in the campion fare, that’s an amazing deal. If you fly Delta often and the Delta perks are worth the annual fee to you, get this card. Just don’t make it your primary spending card for your business. *Terms apply – Learn more about this card. CitiBusiness / AAdvantage Platinum Select World Mastercard ReviewLike most airline loyalty cards, consider this card if you fly American Airlines often. You’ll get a nice set of perks that are worth the annual fee. But avoid using this card for most purchases since the miles-earning power is limited. You’ll get these perks when flying American:
And you’ll earn these miles:
While you do get double miles across a large number of categories, it is limited to only 2X miles when other business cards give out 3X and higher points on their top categories. I’d only use this card for spending categories that your primary card only gives 1X points on.
You can earn a companion certificate for domestic travel after spending $30,000. But since this card doesn’t earn a ton of points, you’ll have to give up points that you could have earned on another card. This significantly devalues the companion certificate. Because of this, I wouldn’t factor this into your decision on whether or not to get the card. It has a $99 annual fee that is waived for the first year. And no foreign transaction fees to worry about. Get this card if you fly American Airlines regularly and the extra perks are worth the $99 annual fee. It also makes for a good secondary card for getting bonus miles on spending categories that your primary card doesn’t cover. Hilton Honors American Express Business Card ReviewI highly recommend getting a hotel loyalty card if you travel often for business. When I travel, the consistency and dependability that comes from staying at the same hotels gives me more time and energy to focus on whatever objectives that I have for my business. Since I’m staying at the same hotels consistently, a hotel card gets me extra perks and helps me rack up more points. This card will earn you a ton of points:
Yes, that’s a lot of points across a lot of spending categories. The point-earning is so good on this card that you could consider making it your primary spending card. The only downside is that these points will be Hilton Honors points which are great as long as you’re planning on using them for Hilton redemptions. They’ll have less flexibility and value when trying to get international flights or nights at other hotels. You’ll also get Gold Status with Hilton. This includes perks like late-checkout, free breakfast, free upgrades when available, and 5th standard reward night for free. It’s only one level below their top tier: Diamond. At different spending levels, you’ll unlock several great perks:
And since the point-earning is strong on this card, there’s no major downside for using it regularly on purchases. I recommend using it as a secondary card for purchases categories that don’t get bonus points on your primary card. Many businesses will be able to hit these spending levels to unlock those amazing perks. All this for a very reasonable $95 annual fee. If you stay at Hilton hotels a few times a year, it’s absolutely worth it. *Terms apply – Learn more about this card. United Explorer Business Card ReviewA great option if you fly United a lot. You can earn some bonus points with this card:
All other purchases get 1 mile per dollar. But honestly, the miles earning power isn’t great when other cards that produce 3X or 4X points which can be transferred into United at a 1:1 point transfer. The real advantage from this card (like all airline cards) comes from the United perks that you get when flying:
Employee cards are also free and there aren’t any foreign transaction fees. All for a reasonable $95 annual fee Are the United perks worth $95/year to you? If so, get the card. If not, skip it. It’s that simple. *Terms apply – Learn more about this card. Marriott Bonvoy Business American Express Card ReviewIf you travel a lot for your business, you should absolutely consider a hotel loyalty card. And the Marriot Bonvoy Business is one of the best options. First, you get serious point-earning potential with this card:
You’ll also get put on the fast-track for getting higher tiers of status at Marriott hotels. First, you get complimentary Silver Elite Status. This gets you 10% bonus points, priority late check-out, and a dedicated reservation line. Second, you receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status each calendar year. This makes it a lot easier to unlock higher status levels with even better perks. If you’re trying to get into the highest tiers, this perk is essential. On top of all that, you’ll get up to two free nights per year:
It also comes with complimentary in-room, premium Internet access during your stays. There’s no foreign transaction fees to worry about either. While it is possible to transfer Marriot points into partner programs, the transfer rate is usually 3:1 which is pretty terrible. That negates most of the point-earning power of the card. So if you get this card, I’d plan on using points exclusively at Marriott properties. You’ll easily get the most value that way. The annual fee is only $125 too. The free night award covers this on its own. If you travel regularly for business, I strongly recommend getting a hotel loyalty card like the Marriott Bonvoy Business. *Terms apply – Learn more about this card. Advertiser Disclosure: I Will Teach You To Be Rich has partnered with CardRatings for our coverage of credit card products. I Will Teach You To Be Rich and CardRatings may receive a commission from card issuers. Do you know your actual earning potential?Get started with the Earning Potential quiz. Get a custom report based on your Start The Quiz Takes 3 min // via Make Money Online Home Blog https://ift.tt/2l2sTQz |