10 Essential Tips for Beginners in Points & Miles

10 Essential Tips for Beginners in Points & Miles

Whether you're just starting your credit hacking journey or already mastering the art of stacking welcome bonuses, this guide has something for you. Credit hacking is a game-changer when it comes to making the most of your everyday spending. By strategically using credit cards, you can earn free flights, luxury hotel stays, and even business-class international travel—all without spending extra money. If you’re new to points and miles, here are the 10 most important lessons to help you start strong.

1️⃣ Always Be Earning (ABE) – Every Dollar Counts

If you’re not earning points or miles on every purchase, you’re leaving money on the table. Every swipe of your card should be earning rewards, whether it’s a simple grocery run or booking a family vacation.

The key is to always have a credit card that’s working toward a welcome bonus or maximizing rewards in key spending categories like dining, travel, gas, and groceries. If you’re using a debit card or a basic credit card that only earns 1 point per dollar, it’s time to upgrade your strategy and start earning 10-20X more per dollar spent.

2️⃣ The Power of Welcome Bonuses – The Fastest Way to Earn Points

Most people think earning travel rewards happens slowly over time—but that’s not true! The biggest points and miles come from welcome bonuses, not everyday spending.

A typical rewards credit card earns 1-3 points per dollar, but a single welcome bonus can be worth 60,000–150,000 points in one shot. This can be worth $750 to $2,000 in free travel if used correctly.

To get these bonuses, you’ll need to hit the minimum spend requirement, which is usually something like “spend $4,000 in 3 months.” You should only apply for new cards when you know you can meet the requirement using your normal expenses, not by spending extra money.

Redeemed my points for a business class seat from HNL ✈️ NRT on my recent trip to Japan!

3️⃣ Earn in Flexible Points, Not Just Airline Miles

One of the biggest mistakes beginners make is collecting points in a single airline or hotel program instead of earning flexible points that can be used across multiple travel partners.

Programs like Chase Ultimate Rewards, Amex Membership Rewards, Capital One Miles, and Citi ThankYou Points allow you to transfer your points to different airlines and hotels, giving you more booking options and better redemption rates.

For example, instead of being locked into only earning Delta SkyMiles or United MileagePlus, you can transfer Chase or Amex points to the airline offering the best award deal at the time you book. Flexibility is key to getting maximum value from your points. With Southwest Airlines removing free bags and Wanna Get Away fares, it’s now even more beneficial to earn transferable points rather than being stuck with a ton of Southwest miles!

4️⃣ The 5/24 Rule is Real – Plan Your Applications Carefully

Chase has some of the best travel credit cards, but they have a strict rule: If you’ve opened 5 or more personal credit cards in the last 24 months, they will automatically deny your application for a new card—no matter your credit score.

Since Chase cards are some of the most valuable for beginners (like the Chase Sapphire Preferred or Chase Ink Business Preferred), you should prioritize them before opening too many cards with other banks.

This rule is why it’s important to be strategic about your applications. Don’t rush into getting cards randomly—instead, follow a plan to maximize your approvals.

5️⃣ Never Carry a Balance – Pay in Full Every Month

Points and miles are only valuable if you’re not paying interest on your credit cards. If you carry a balance and pay interest, the costs will quickly outweigh any rewards you earn.

To make sure you never pay interest, always pay your statement balance in full every month. The best way to do this is to set up autopay for the full amount, so you never risk missing a payment.

Credit card companies make money from people who carry balances—but we’re here to play the game differently. Earn the rewards, but never pay them a dime in interest!

6️⃣ Learn How to Redeem Wisely (Cash Back vs. Travel)

Not all redemptions offer the same value. Many beginners make the mistake of cashing out their points for gift cards or statement credits, but this often cuts their value in half.

For example, 60,000 Chase points redeemed for cash back will only give you $600. But if you transfer them to a travel partner like United Airlines or Hyatt, those same points could be worth $1,200 to $2,000 in flights or hotels.

The best redemptions are usually airline miles for flights, hotel points for stays, and premium travel experiences—not low-value options like gift cards or merchandise.

Our view from the Prince Park Tokyo tower, booked with Chase points.

7️⃣ Don’t Get Stuck in One Loyalty Program – Stay Flexible

Loyalty programs are designed to keep you locked in, but true travel hackers know that flexibility is key.

Instead of being loyal to one airline or hotel brand, be open to using multiple programs and earning transferable bank points. Airlines and hotels change their award pricing all the time, so sticking to just one brand could mean overpaying when better deals are available elsewhere.

For example, instead of always using Delta SkyMiles, you might find that transferring Amex points to Air France Flying Blue gets you the same Delta flight for fewer points. Keeping your options open will help you get the best deals every time.

8️⃣ Use Shopping Portals & Dining Programs for Extra Points

Earning points isn’t just about credit card spending—there are ways to boost your earnings without spending extra money.

Many airlines and credit card programs have shopping portals where you can earn extra points just for clicking through their site before making a purchase.

For example:

• If you shop at Nike.com, you can go through the United MileagePlus shopping portal and earn 3-5 extra miles per dollar spent.

• Dining programs let you register your credit card and earn extra points when dining at participating restaurants.

Stacking these bonus opportunities with your normal spending helps accelerate your points earnings without extra effort.

9️⃣ Think About Business Cards – Even If You Don’t Own a Business

Business credit cards offer huge welcome bonuses and don’t count against Chase’s 5/24 rule. Many people qualify for business cards without even realizing it.

If you’ve ever sold anything on Facebook Marketplace, eBay, Etsy, or done freelance work, you may be eligible. Business cards don’t require a registered business—a sole proprietorship (using your name and Social Security number) often qualifies.

Adding business cards to your strategy can double the points you earn, opening up even more free travel opportunities.

🔟 Be Patient & Stay Consistent – This is a Long Game

Earning points and miles isn’t an overnight win—it’s a long-term strategy.

The people who travel for free in first class didn’t do it by accident. They followed a system—applying for the right cards, meeting the minimum spends, and using their points wisely.

In 12-15 months, you can earn 400,000+ points—enough for business class flights, luxury hotels, or even an entire family vacation for free. The key is to stay consistent and keep moving forward in the strategy.

Want to Take This to the Next Level?

If you’re ready to fast-track your rewards journey, join my FREE Accelerated Client Program, where I will personally guide you through:
✅ Choosing the right credit cards at the right time

✅ Mapping out a strategy based on your travel goals

✅ Maximizing every dollar you spend for free flights and hotels

✅ Keeping track of deadlines, offers, and redemptions

✅ Avoid getting the wrong credit cards & increase your approval odds with banks

Spots are limited! Apply now and let’s start earning your first free vacation together.

Maximizing Your Elite Perks with Alaska & Hawaiian Airlines

Maximizing Your Elite Perks with Alaska & Hawaiian Airlines

Hey folks, it's Scottie, the Credit Hacker, here to break down the latest shake-up in the airline loyalty world. Alaska Airlines and Hawaiian Airlines are teaming up to bring some serious perks to their frequent flyers. Let's dive into what this means for you and how you can maximize these new benefits.

Status Match: Double the Elite Perks

If you're an elite member with HawaiianMiles, you can now match your status with Alaska's Mileage Plan. This means Pualani Gold or Platinum members gain equivalent status in Alaska's program, unlocking access to the extensive Oneworld alliance. For those who racked up miles in both programs last year, Alaska is offering an enhanced status match, considering your combined mileage totals. This could bump you up to higher-tier perks like priority services and better award availability. However, if you're not currently holding elite status, the immediate benefits might be limited unless you've flown with both airlines and can combine your miles.

Redeem Alaska Miles on Hawaiian Flights

Alaska Mileage Plan members can now use their miles to book flights operated by Hawaiian Airlines. This adds more flexibility to Alaska's program, which already includes redemptions on partner airlines within the Oneworld alliance. Keep an eye on award availability, though; new redemption options can lead to increased demand, potentially making it trickier to snag those coveted seats.

Elite Benefits Across Airlines

Alaska's elite members now enjoy select perks when flying with Hawaiian Airlines. These include priority check-in and boarding, complimentary baggage, preferred seating at booking, and access to Extra Comfort seats at check-in when available. No need for a separate HawaiianMiles account—just use your Mileage Plan number when booking to enjoy these benefits. Note that these perks apply specifically to flights operated by Hawaiian Airlines and don't extend to Oneworld partners.

Reciprocal Mileage Earning

You can now earn miles in either Mileage Plan or HawaiianMiles, regardless of which airline you're flying. Just make sure to enter your preferred frequent flyer number into your reservation to ensure the miles land in the right account. It's still unclear how this will affect mileage accrual rates over time, especially with the potential full merger of HawaiianMiles into Mileage Plan later this year. Stay tuned for updates on how this might impact your earning potential.

Credit Card Changes

With these loyalty programs merging, there could be changes to co-branded credit cards. Currently, Bank of America issues Alaska Airlines Visa credit cards, while Barclays handles the Hawaiian Airlines Mastercard. As the programs integrate, it's possible that Barclays may stop offering new Hawaiian Airlines cards, and Bank of America could become the sole issuer of co-branded cards.

What's Next?

These changes are paving the way for a single, unified loyalty program expected to launch later this year. While the exact details are still under wraps, the goal is to deliver some of the most generous benefits in the industry. As always, I'll keep you updated on the latest developments and how to hack these new perks to your advantage.

Stay savvy, travelers! ALOHA!

Exploring the Alaska Airlines Mileage Plan: What’s New and Noteworthy

Exploring the Alaska Airlines Mileage Plan: What’s New and Noteworthy

If you’re an Alaska Airlines Mileage Plan member—or just curious about the program—there’s plenty to love, especially with the exciting changes following their acquisition of Hawaiian Airlines. Alaska Mileage Plan remains one of the most rewarding airline loyalty programs, thanks to its valuable miles, strong partnerships, and unique perks.

The 2023 entry into the oneworld alliance significantly expanded Alaska’s global reach, introducing a unified award chart with excellent redemption "sweet spots." The recent acquisition of Hawaiian Airlines adds even more appeal, with HawaiianMiles temporarily transferable to Alaska miles on a 1:1 basis, offering new ways to combine miles.

Core benefits like generous mileage earnings and easier-to-achieve elite status continue to make the program a favorite, especially for West Coast travelers. With its evolving features and integration with Hawaiian Airlines, Alaska Mileage Plan is a loyalty program worth exploring. Here’s a quick overview of the Alaska Airlines Plan.

What’s New with Alaska Airlines Post-Acquisition of Hawaiian Airlines?

The acquisition of Hawaiian Airlines opens up new opportunities for Alaska Airlines Mileage Plan members. Here are some of the standout updates:

• New Transoceanic Flights: Alaska Airlines now offers flights from the U.S. to Japan and Korea, with some featuring lie-flat seats—great news for those seeking a more comfortable long-haul journey.

• New Premium Credit Card: Expected perks include earning 3x points abroad, a companion fare (not limited to paid flights), and elite status boosts.

• Improved Award Booking Options: Soon, members will be able to book award tickets that combine multiple partners, breaking free of the current "one non-Alaska partner" restriction.

What Makes Alaska Airlines Mileage Plan Stand Out?

Even before the Hawaiian Airlines merger, Alaska’s Mileage Plan had plenty of features that appealed to frequent flyers:

• Mileage-Based Earnings: You earn miles for paid flights based on distance flown rather than ticket cost, which is especially beneficial for domestic economy flights.

• Elite Status Benefits: Achieving elite status is reportedly easier compared to other airline programs.

• Free Stopovers: Add a free stopover to most one-way award tickets, essentially giving you an extra destination.

• Flexible Award Changes: Changing award tickets is free and hassle-free.

• Sweet Spot Awards: Alaska’s award chart includes excellent value routes, often referred to as "sweet spots" by frequent flyers.

• Shared Miles for Awards: You can pool miles from multiple accounts to pay for an award flight.

• Elite Qualifying Miles on Partner Awards: Even partner award bookings earn elite qualifying miles based on distance flown.

Potential Drawbacks of the Alaska Airlines Mileage Plan

No mileage program is perfect, and Alaska Airlines is no exception. Here are a few limitations to consider:

• Limited International Routes: Alaska is still building its presence outside North America, although their strong network of partners helps mitigate this.

• First Class Critiques: Alaska’s first-class offerings don’t measure up to some competitors, though the Hawaiian Airlines acquisition may lead to improvements.

• Fewer Transfer Options: Unlike other airlines, Alaska doesn’t have robust partnerships with bank rewards programs, except for Bilt.

• Single Non-Alaska Partner Restriction: Currently, award bookings can only include one non-Alaska partner, though this is set to change soon.

For Hawai‘i-based travelers, these updates are especially exciting. Whether you’re booking interisland flights or dreaming of international adventures, Alaska Airlines is leveling up its offerings to meet your needs.

If you want a more in depth look into the Alaska Mileage program, the Frequent Miler wrote a comprehensive guide here.

Happy flying!

Aloha,

The Credit Hacker

Unlock the Potential of Alaska Airlines Miles with the Hawaiian Airlines Merger

Unlock the Potential of Alaska Airlines Miles with the Hawaiian Airlines Merger

Exciting news for points and miles enthusiasts! The much-anticipated merger between Alaska Airlines and Hawaiian Airlines is progressing, with significant benefits already emerging for travelers and loyalty program fans. While the Department of Transportation has yet to finalize the merger, Alaska and Hawaiian Airlines have started laying the groundwork for a seamless integration.

As part of the transition, you can now transfer miles between the two airlines at a 1:1 ratio, unlocking exciting opportunities to maximize Alaska Airlines miles. If you're serious about boosting your miles game, this is your chance—and with our Credit Hacker Accelerated Program, you can capitalize on it like a pro.

Why This Merger Is a Game-Changer

According to Hawaiian Airlines, the two airlines plan to merge loyalty programs once the merger is complete. While the new program won’t launch immediately, the ability to transfer miles now is already a big win for travelers.

This development allows you to leverage Hawaiian Airlines’ unique partnerships and transfer points to Alaska Airlines, opening up new avenues for earning miles—especially valuable for booking Alaska’s sweet-spot redemptions.

How to Earn More Alaska Airlines Miles

Here’s where things get interesting for credit card users and points enthusiasts:

1. Hawaiian Airlines Cards

   • Both the Hawaiian Airlines® Business Mastercard® and the personal version offer excellent opportunities to rack up miles. These cards will be discontinued post-merger, so now is the time to act. I don’t recommend holding this card long term, but it’s worth it just to get the signup bonus and pay the annual fee for one year only.

     Bonus Tip: Business cards don’t count toward Chase’s 5/24 rule, making the business version particularly appealing for savvy earners.

2. American Express Membership Rewards

• If you’re like every other person with a Hawaiian Miles credit card, you can instead move towards the AMEX credit cards. You can transfer AMEX Membership Rewards points to Hawaiian Airlines at a 1:1 ratio, and then to Alaska Airlines. This indirect route to earning Alaska miles may not last forever, so it’s worth exploring while it’s still available.

3. Credit Hacker Accelerated Program

• Don’t miss out on our program to help you strategically sign up for credit cards, maximize bonuses, and dominate the points and miles game.

• With our guidance, you can make the most of cards like the AMEX Platinum, Gold, or Green for lucrative Membership Rewards points, which can fuel your Alaska Airlines account.

Alaska Airlines Sweet Spots

Alaska Airlines has a reputation for offering some of the best value for miles. Here are some examples:

I found non stop flights as low as 9,000 points from HNL → SFO

• Domestic Flights: Fly within the U.S. starting at just 4,000 miles one way.

• International Flights: Book a round trip from Seattle to Tokyo for just 60,000 miles plus minimal fees.

• Stopovers: Alaska’s free stopover policy adds even more value, letting you explore two destinations on one ticket.

I found non-stop one way business class seats on JAL (Alaska’s Partner) for 60,000 miles.

What to Do Next

DO:

• Transfer AMEX points to Hawaiian Airlines if you have an immediate Alaska Airlines redemption in mind.

• Use the Credit Hacker Accelerated Program to strategically choose your next cards for earning miles. We include Amiercan express cards in our strategy.

DON’T:

• Transfer miles speculatively. Only transfer when you have a specific redemption in mind, as points stuck in one program can limit flexibility.

What Happens After the Merger?

There’s still uncertainty about how things will shake out post-merger, but here’s what we know:

• Hawaiian Airlines cards will transition to Alaska Airlines cards.

• Alaska’s award chart may see changes (possibly less favorable).

• Hawaiian may stop being an AMEX transfer partner.

By acting now, you can lock in today’s benefits before potential devaluations.

Why Sign Up Through the Credit Hacker Accelerated Program?

Navigating the points and miles world can be overwhelming, but with our program, you’ll learn how to:

• Maximize your rewards across multiple credit cards.

• Avoid common pitfalls, like applying for cards in the wrong order.

• Accumulate miles faster than ever to book your dream trips.

Sign up now and let’s make the most of this Alaska-Hawaiian merger opportunity!

The Ultimate Hotel Staycation Credit Card

The Ultimate Hotel Staycation Credit Card - 10 Reasons Why

Aloha Hawaii Travelers & Staycationers! If you frequently like to staycay in spacious rooms, get complimentary upgrades & enjoy hotel amenities, the Hilton Honors American Express Aspire Card is your ticket to unparalleled luxury and rewards. While its annual fee might seem steep, don’t let that deter you. We usually do staycations a year at a Hilton property with this card and get huge returns back in upgrades, statement credits and the overall guest experience. We’ve done the legwork and are excited to share why this card could be a game-changer for your travel experience.

10 Key Benefits of the Hilton Honors Aspire Card

1. Attractive Welcome Offer ($900 Value)

The Hilton Honors American Express Aspire Card greets you with a robust welcome offer. After meeting the spending requirements, you'll earn 150,000 Hilton Honors points, worth approximately $750. This bonus is a fantastic way to kickstart your point collection.

2. Exceptional Earnings at Hilton Properties ($350 Value)

Spend at Hilton hotels and you’ll rack up 14 Hilton Honors points per dollar spent. For instance, if you spend $5,000 annually at Hilton properties, that’s 70,000 points valued around $350. This reward rate is a real win for frequent Hilton guests.

3. Generous Travel Earnings ($175 Value)

Earn 7 Hilton Honors points per dollar on flights, AmexTravel.com bookings, car rentals, and U.S. restaurant purchases. Spend about $5,000 annually in these categories, and you’ll earn 35,000 points, valued at $175.

4. Points on Every Purchase ($450 Value)

The view with my daughter from the ocean view corner suite in the Rainbow Tower at the Hilton Hawaiian Village. 

The card gives you 3 Hilton Honors points per dollar on all other purchases. With an average spend of $2,500 monthly, you’ll accumulate 90,000 points worth about $450 annually.

5. Complimentary Hilton Honors Diamond Status ($2,500+ Value)

This by far is my favorite benefit with this card. You get to enjoy automatic Hilton Honors Diamond status, which usually requires significant stays or points. This status includes perks like room upgrades, executive lounge access, and a 100% point bonus on stays. With the Aspire Card, you’re looking at potentially $2,500 in value, depending on your stay frequency.

6. Free Reward Night After Account Opening ($1,000 Value)

Soon after approval, you’ll receive a certificate for a free night. This benefit applies to any day of the week and continues with an annual free night on each card anniversary, valued around $1,000. These don't expire and can be stacked with each other!

7. Additional Free Nights with Spending ($100 Each)

Spend $30,000 in a calendar year and earn an extra free night certificate, then another for spending $60,000. These benefits, valued at $100 each, reward your loyalty with even more opportunities to stay for free.

8. Fifth Night Free ($250 Value)

Book five or more consecutive award nights with your Hilton Honors points and get the fifth night free. This can stretch your points significantly, with an estimated value of $250.

Statement Credits

9. $200 Airline Credit ($200 Value)

Receive up to $50 quarterly for airline purchases, either directly or through AmexTravel.com. This adds up to $200 annually.

10. $400 Hilton Resort Credit ($400 Value)

Prices are currently lower at the Grand Wailea in Maui for 2024 + 2025 when you book with Hilton points. Prices were a low as 110,000 points a night.

Enjoy up to $400 in statement credits each year for purchases at Hilton resorts, including room rates and upgrades, valued at the full $400. The credit are distributed in semester increments, so $200 for the first half of the calendar year and the other $200 for the second half. How I use this is I book a cheap room for ~$200 of the statement credit to apply and then I upgrade to the suite using our Hilton Diamond status.

11. $100 Credit at Waldorf Astoria and Conrad Properties ($25 Value)

Get a $100 statement credit for eligible on-site purchases when booking a 2-night stay at these luxury properties, valued around $25. In Hawaii, the ideal place to book this is at the Grand Wailea, A Waldorf Astoria Resort in Maui.

Additional Perks

Comprehensive Travel and Shopping Protections

The Aspire Card offers extensive benefits including car rental insurance, trip cancellation coverage, baggage protection, and more. For shopping, enjoy benefits like extended warranty, purchase protection, and cell phone coverage.

Comparison with Other Hilton Cards

If the Aspire Card’s annual fee feels too high, consider the Hilton Honors American Express Surpass® Card or the Hilton Honors American Express Card. They offer great rewards and benefits at lower annual fees:

• Hilton Honors American Express Surpass® Card: Offers Gold status and annual Hilton credits with a $150 fee.

• Hilton Honors American Express Card: Provides Silver status and good earnings on everyday spending with no annual fee.

Final Thoughts

For frequent Hilton travelers & Hawaii Staycationers, the Hilton Honors American Express Aspire Card is a top choice, delivering exceptional benefits and rewards. Even occasional Hilton guests will find value in a Hilton-branded American Express card. Choose the one that best aligns with your travel habits and enjoy the perks of Hilton loyalty. If you are interested in applying for this card and suing our referral link, you can apply here.

Aloha and happy travels! 🌴

Top 5 Credit Cards for College Students: Build Credit and Earn Rewards

Top 5 Credit Cards for College Students: Build Credit and Earn Rewards

Whether you're heading to a local university or venturing to a school across the country, embarking on college life is a major transition. It's a time marked by new friendships, newfound freedoms, and significant responsibilities. One of the most pressing responsibilities for many college students is managing finances, especially as the "Bank of Mom and Dad" is no longer an option. This often raises the question: Should you get a credit card, and if so, which one?

Before diving into options, it’s crucial to understand the seriousness of credit cards. They require careful management; missed payments and late fees can quickly accumulate, impacting your long-term financial health. If you can handle a credit card responsibly—using it only for necessities and ensuring timely payments—getting one early can be a smart financial move. It helps build your credit history and may offer valuable rewards.

When selecting a credit card, students have several excellent options. Here’s a look at some top choices:

1.Chase Freedom Unlimited®

The Chase Freedom Unlimited® stands out as one of the best no-annual-fee credit cards available. It offers unlimited 1.5% cash back on every purchase, with enhanced rewards in specific categories: 3% cash back on dining and drugstore purchases, and 5% cash back on travel booked through Chase Travel℠ and Lyft rides (until March 2025). New cardholders can earn an additional 1.5% cash back on up to $20,000 spent in the first year, potentially totaling $300 cash back. This card also helps you earn Chase Ultimate Rewards points, which can be combined with other Chase cards for enhanced travel benefits.

2. Bilt Mastercard®

For students who face high rent payments, the Bilt Mastercard® offers a unique benefit: earning points on rent payments without extra processing fees. It’s useful for off-campus housing but not for campus room and board. Beyond rent, the Bilt Card earns 1 point per dollar on everyday purchases, with bonus points in select categories like dining (3x) and travel (2x). Bilt points can be redeemed for travel, Amazon purchases, or merchandise, making this card a versatile choice.

3. Capital One SavorOne Student Cash Rewards Credit Card

Capital One’s SavorOne Student card is ideal for students who spend on dining, entertainment, and streaming services. It offers 3% cash back in these categories, plus 1% on all other purchases. New cardholders can benefit from a welcome offer and earn additional cash back on Uber and Uber Eats purchases. The card also pairs well with Capital One’s travel cards for those looking to maximize rewards in the future.

4. Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card provides a $200 cash back bonus after spending $500 in the first three months. It also offers unlimited 2% cash back on all purchases, which simplifies earning rewards without tracking categories. Additionally, it includes up to $600 in cell phone protection, providing extra peace of mind for students with mobile bills.

5. Citi Double Cash® Card

The Citi Double Cash® Card is known for its straightforward rewards: 1% cash back on purchases and an additional 1% cash back when you pay your bill, effectively making it a 2% cash back card. It also has a $200 bonus offer after spending $1,500 in the first six months. The simplicity and high rewards rate make it a strong choice for students starting with credit.

Tips for Getting Started with a Credit Card

Credit cards are a serious responsibility. While they offer valuable rewards, they should not lead to debt. If you're not ready to manage credit responsibly, stick with cash or debit. However, when used wisely, credit cards are excellent tools for building credit and earning rewards on purchases. Remember, some schools may allow you to pay tuition with a credit card, but be cautious of processing fees that could offset your rewards.

Application Tips

When applying for a credit card, use a permanent address, like your home address, rather than your college address, unless you have proof of residency. For income, include all sources, such as parental support or scholarships, to present a complete financial picture. Many student cards are designed for those with limited credit histories, so don’t worry if you’re just starting out.

Bottom Line

As you prepare for college, deciding on the right credit card can be pivotal. While credit cards are significant financial tools, they can help build your credit and offer rewards if used wisely. Evaluate the fees, benefits, and rewards of each card to find the best fit for your needs.

Can you get a Business Credit Card without an EIN?

Can you get a Business Credit Card without an EIN?

Whether you're embarking on a new side hustle or managing a thriving business poised for growth, obtaining a business credit card could be a viable option. Even if your business isn't formally incorporated yet, as long as you're generating income through legitimate means, you can apply for a small business credit card using your Social Security number if you haven't acquired an Employer Identification Number (EIN) yet.

In this guide, we'll walk you through the essentials of business credit cards and why they might benefit your venture.

What is an EIN?

An EIN (Employee Identification Number) is issued by the IRS to identify businesses in the U.S. It serves multiple purposes, including detailing the state of registration and specifying the type of business tax filings required. This number is sometimes referred to as the Federal Tax Identification Number.

Applying for an EIN is free and can be done online. The application asks for basic details about your business and typically does not require any official documentation. Upon submission, the IRS validates the information and issues the EIN during the same online session.

Qualifying Work for a Business Credit Card

Any endeavor that generates legitimate income can potentially qualify for a business credit card. Examples include freelance writing, ridesharing services, tutoring, independent consulting, entertainment services, handywork, social media management, pet services, and online artisan sales.

Requirements for a Business Credit Card

While a formal business name or EIN isn't mandatory, issuers assess various factors related to your business, such as its duration and profitability. Business credit cards typically hold the business owner personally liable for the credit line, so the issuer may consider personal details like credit score and income during the application process. Once approved, however, the business credit card operates separately from personal finances, affecting only the business credit score.

Advantages of a Business Credit Card

Choosing a business credit card over a personal one offers distinct advantages tailored to business needs:

• Business-specific perks: Many cards provide expense management tools, employee cards, purchase protection, and even airport lounge access for frequent business travelers.

• Rewards on business expenses: Earn rewards on purchases like office supplies, travel expenses, and equipment purchases, which can be redeemed for cash back or travel benefits.

• Building a business credit score: Responsible use of a business credit card helps establish a business credit profile, crucial for future financing and vendor relationships.

Choosing the Right Business Credit Card

Before applying, consider these factors:

• Rewards: Opt for a card that aligns with your business spending habits, whether it's cash back on office supplies or travel rewards for frequent business trips.

• Features and benefits: Look for perks like employee cards, discounts on business-related services, travel insurance, extended warranties, and account management tools.

• Interest rates and credit limits: Compare interest rates based on your creditworthiness and consider the credit limit that suits your business's financial needs.

In conclusion, whether your business is just starting out or well-established, a business credit card can provide financial flexibility and benefits tailored to business expenses. Keeping personal and business finances separate can streamline accounting and offer additional value through rewards and perks.

If you're unsure where to begin, consider exploring Chase's range of business credit cards, such as the Ink Business Premier™, designed to meet diverse business needs.

United Airlines Relaunches Non-Stop Flights Between Honolulu and New York City on Nov. 22, 2024

United Airlines Relaunches Non-Stop Flights Between Honolulu and New York City on Nov. 22, 2024

Scott Kobayashi • June 10, 2024

Exciting news for travelers: United Airlines is bringing back non-stop flights between Honolulu and Newark starting November 22. With fares as low as 25,000 miles and multiple departure dates available, convenience meets affordability. United previously dropped (UA363 outbound / UA362 return) due to scheduling changes effective April 14, 2024, these flights are now back on the itinerary.

Flights as low as 25,000 United miles one way from HNL to EWR, non-stop.

Looking at the 30 day calendar, there are a lot of flights starting at 25,000 United Miles this winter.

With flexible booking options and a commitment to passenger satisfaction, United Airlines invites you to explore the world, one direct flight at a time. Book your ticket today and experience the convenience of non-stop travel between paradise and the Big Apple.

Here is a list of award dates that are priced at 25,000 United Miles:

HNL > EWR

November 27

December 4-12, 15-17, 24, 25,

January 8, 13-16

EWR > HNL

November 26-30

December 4-6, 8-11,

January 8-31

February 1-12, 16

Don’t forget, your chase points can transfer to United Miles at a 1:1 ratio. To learn how to, click here.

The Complete Points & Miles Breakdown of our Japan Trip 2024

How to book a 2024 Japan trip using Points & Miles.

Scott Kobayashi • June 5, 2024

Our originally projected expense for our Japan journey totaled $16,357.34. However, we managed to cover the entire cost using points and miles, with just a $408 expenditure on taxes. Intrigued? Allow me to unravel the process in three phases:

1. Flight from Honolulu (HNL) to Tokyo Narita (NRT)

2. Accommodation at The Prince Park Tower Tokyo

3. Return flight from Tokyo Haneda (HND) to Honolulu (HNL)

I'll dive into both our point redemption strategy and the methods we employed to accumulate these points at an accelerated pace."

1. Flying Business Class on Hawaiian Airlines from Honolulu, Hawaii to Narita, Japan - 65,000 Hawaiian Miles + 52,500 American Airlines Miles

Hawaiian Airlines Business class product to Japan

On our first flight, we booked two business class tickets on Hawaiian Airlines (H821) from Honolulu to Narita, Japan. This flight was on Hawaiian’s A330 aircraft and left Honolulu at 12:40pm on May 20 and arrived in Narita at 4:00pm on May 21st.

I booked my ticket using 52,500 American Airlines miles to book a Hawaiian Airlines award flight through my American American account. You can use America Airlines miles to book Hawaiian Airlines and Japan Airlines flights when available. Those flight awards are hard to come by these days, but I was able to find one on the dates I was looking at.

The only way to earn these miles from credit cards is by applying for Citi American Airlines branded credit cards that earn American Airlines Miles.

Hawaiian Airlines Business class flight for 52,500 AA Miles.

For my wife, I transferred 65,000 BILT Rewards points to her Hawaiian airlines account to book her business class ticket for 65,000 Hawaiian miles which are 50% the regular price of 130,000 Hawaiian miles.

At the time of booking, a one-way business class ticket on Hawaiian Airlines costed $2439.15. Discovering dates with a 50% discount for business class flights on Hawaiian Airlines equates to a redemption value of 2.8 cents per Hawaiian mile, which is exceptionally favorable! I regularly share these 50% off deals on my Instagram page @thecredithacker.

2. A 4 Night Stay at the The Prince Park Tower Tokyo - 146,869 Chase Ultimate Reward Points

ザ・プリンス パークタワー東京 4 Chome-8-1 Shibakoen, Minato City, Tokyo 105-8563, Japan

Our view from our room on floor 31

Our stay at this luxurious 5-star hotel marked the most significant expense of our entire trip. I had meticulously researched this property months in advance, and it was a must-stay for me. Without a doubt, it ranks as my favorite hotel experience to date. Room prices are decent, but I paid for a special room with a tower view and Premium club floor access.

Japanese Style breakfast at SHIBAZAKURA

Some extra perks that came with our stay were:

• Access to the Premium Club, floor 32 which had appetizers, snacks and drinks all throughout the day

• Daily Breakfast credit ($38 USD each)

• Access to private driver for one drive a day up to 10km from the hotel (only if you stay at least 3 nights)

• Free Access to the Hotel Onsen, Spa, & Gym

• 24/7 Concierge service for floors 29-31 (premium club floors)

I paid a total of 146,869 Chase Ultimate Reward Points through Chase’s Travel portal. I currently hold the Chase Sapphire Reserve card so I get a 50% bonus value on my points when I redeem through the portal. The costs of our hotel stay would have been $2,203.04.

3. Flying Business Class on All Nippon Airways (ANA) from Haneda, Japan to Honolulu, Hawaii - 70,000 Chase Ultimate Rewards Points

As of 23rd May 2024, VIRGIN has raised prices to 75,000 miles round trip, it previously was 70,000 miles.

I was eagerly anticipating this flight, primarily because we secured business class seats for just 35,000 points each, but also because we could finally enjoy some much-needed rest on lie-flat seats as we headed back home to Honolulu.

Securing these seats wasn't simple, as most award seats had already been claimed. However, ANA releases four seats daily, ten days prior to departure. Admittedly, it's a risky endeavor, but the payoff is substantial considering the retail cost of each seat exceeded $4,000! Utilizing Seats.aero, I managed to locate two business class seats for May 25th. Having already transferred my Chase points to Virgin Airlines miles, I promptly used them to book the ANA seats. For a step-by-step guide on using Chase points to book ANA flights through Virgin Atlantic, check out "HOW TO FLY TO JAPAN."

After confirming the availability of award seats, I immediately contacted Virgin Atlantic to secure our booking on May 16th, just nine days prior to departure. Throughout the year, I've closely monitored this flight on Seats.aero and observed that ANA typically releases 4 Business class seats every nine out of ten days leading up to departure. Hence, I estimate there's about a 90% chance of securing a seat. If you're apprehensive about the risk involved, I recommend:

1. Booking a refundable flight using cash. If award flights become available, simply cancel your cash booking and switch to the rewards flight.

2. Maintaining flexibility and ensuring you have a two-day window prior to departure to increase your chances of finding business class availability.

3. Leveraging Chase points to book a last-minute economy flight through the portal if business class seats don't open up on your preferred date.

High risk, High Reward! Retail value of each seat was $4,638.00 x 2 = $9,276.00, bring our cost per point to an astonishing 13.2 cents!

Final Costs Breakdown

1. Hawaiian Airlines Business class from HNL -> NRT

   • Dollar Cost Total: $4,878.30

   • What we paid in Points: 52,500 AA Miles + 65,000 HA Miles = 117,500 miles

2. Hotel stay at the The Prince Park Tower Tokyo

   • Dollar Cost Total: $2,203.04.

   • What we paid in Points: 146,869 Chase Ultimate Reward Points

3. All Nippon Airways Business class from HND -> HNL

   • Dollar Cost Total:$9,276.00

   • What we paid in Points: 70,000 Chase Ultimate Reward Points + $408 tax

   Total cost of the trip = $16,357.34

   We paid = 334,369 Points + Miles + $408 in taxes

   Points Breakdown: 52,500 AA Miles + 65,000 HA miles + 216,869 Chase Points

*Want to earn 415,000 chase points in a year?

We have a 5-card strategy that we will walk you through to earn those points for a combined credit card annual fee of $190.

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Chase Sapphire Preferred and Reserve: Limited-Time Bonus of 75,000 Points.

Chase Sapphire Preferred and Reserve: Limited-Time Bonus of 75,000 Points.

Starting May 2, 2024, both the Chase Sapphire Preferred® and the Chase Sapphire Reserve® cards will provide a whopping 75,000 bonus points after spending $4,000 on purchases within the first three months of opening an account. This increase from the previous 60,000 bonus points offer significantly sweetens the deal for prospective cardholders.

Travel rewards aficionados have long favored the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® cards for their comprehensive rewards programs and extensive travel benefits. Now, Chase has upped the ante with an irresistible limited-time welcome bonus, making these cards even more enticing options for savvy travelers.

Are these cards worth it beyond the sign-up bonus?

Chase Sapphire Preferred

For those wary of hefty annual fees, the Chase Sapphire Preferred® Card, with its $95 annual fee, offers substantial rewards at an attractive rate. Cardholders will

• Earn 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases eligible for the $50 Annual Chase Travel Hotel Credit)

• Earn 5x points on Lyft rides through March 31, 2025,

• Earn 2x points on travel purchases

• Earn 3x points on dining, select streaming services, and online grocery purchases (excluding Walmart, Target, and wholesale clubs).

• Gain a generous $50 hotel statement credit for Chase-booked stays, a 10% account anniversary points bonus, and valuable travel protections like primary auto rental coverage, trip cancellation and interruption insurance, and travel and baggage delay coverage.

• One standout feature is the ability to redeem points for travel through Chase at a 25% bonus, maximizing their value. This means the 75,000 point welcome bonus could be worth up to $937.50 in travel rewards, adding significant value for cardholders.

Chase Sapphire Reserve

For those seeking a top-tier rewards card packed with exclusive features, the Chase Sapphire Reserve, with its $550 annual fee, presents an enticing option. Here's what the card offers in terms of rewards:

• Earn 10x points on hotel and car rental purchases made through Chase Travel℠ immediately after the first $300 is spent on travel annually.

• Enjoy 5x points on flights booked through Chase Travel℠ immediately after the first $300 is spent on travel annually.

• Receive 3x points on other travel and dining expenditures (including eligible food delivery services) not booked through Chase after the initial $300 is spent on travel annually.

• Earn 1x point on all other purchases.

• Gain 10 points per dollar spent on Lyft rides through March 2025.

In addition to its robust rewards program, the Chase Sapphire Reserve offers a plethora of premium perks, including access to exclusive airport lounges via a Priority Pass Select membership, an annual $300 travel credit, reimbursement for Trusted Traveler application fees, and VIP car rental benefits.

One notable feature of the Sapphire Reserve card is that points are worth 50% more when redeemed for travel through Chase. This means that the 75,000 bonus points could potentially be valued at up to $1,125 when used for travel bookings through Chase, making it an incredibly valuable option for frequent travelers looking to maximize their rewards.

And here's a pro tip: if you applied for either of these cards over 48 months ago, you may be eligible to receive another sign-up bonus, further enhancing the rewards potential.

Final Thoughts

With their limited time welcome bonuses and impressive rewards structures, the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® cards are poised to become even more indispensable tools for travelers seeking to maximize their rewards and enjoy unparalleled travel benefits. We think Chase cards are foundational to any credit hacker’s credit card portfolio.

Read: "Unlocking Value: 5 Chase Ultimate Rewards Transfer Partners for Maximum Benefits"

This article has affiliate links that provide commission to The Credit Hacker.

"Unlocking Value: The Top 5 Chase Ultimate Rewards Transfer Partners for Maximum Benefits"

"Unlocking Value: 5 Chase Ultimate Rewards Transfer Partners for Maximum Benefits"

One of the best ways to redeem Chase Ultimate Reward points for travel is by transferring them to one of Chase's 14 Transfer Partners. If you're unsure how to transfer Chase points, check our how to guide here. Remember, you'll need a Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Business Preferred card to transfer points. Some transfer partners are better than others, so let's explore five of my favorites.

1. Hyatt: Optimal Hotel Redemption

When it comes to hotel redemptions, Hyatt is the shining star among Chase's transfer partners. With a 1:1 transfer ratio, your Chase points go a long way with Hyatt. What sets Hyatt apart is its fixed award chart, providing predictability and transparency in redemption rates. Whether it's an off-peak getaway or a peak season retreat, you'll always know how many points you need for your stay, ensuring excellent value for your Chase points.

12,000 Hyatt points per night at Hyatt Regency Tokyo Bay

15,000 points for Hyatt House at Anaheim for hotels near Disneyland.

2. Iberia: Affordable Business Class Flights

Iberia offers some of the most affordable rates for international business class flights, making it an attractive option for travelers seeking luxury without breaking the bank. With just 34,000 points one way from the East Coast and Midwest to Madrid during off-peak periods, Iberia provides a full business class experience at an economy price. Add in frequent transfer bonuses, and you've got yourself a winning strategy for maximizing your Chase points.

17,000 Avios for Economy & 34,000 Avios for Business Class

3. British Airways: Access to OneWorld Alliance

While you can't transfer Chase points directly to American Airlines, you can transfer them to British Airways, a member of the OneWorld Alliance. This opens up opportunities to book flights with American Airlines and other OneWorld partners using British Airways Avios. With competitive redemption rates and access to a vast network of airlines, including Qatar Airways and Japan Airlines, British Airways offers flexibility and value for your Chase points.

Economy flights on Japan Airlines starting at 25,750 miles + fees from HNL to Nagoya, Japan.

4. Flying Blue: Flexible Redemption Options

Flying Blue, the loyalty program for Air France and KLM, offers flexibility and value for Chase Ultimate Reward Points. With competitive redemption rates for both economy and business class flights, Flying Blue is a versatile option for travelers. Take advantage of monthly promo rewards and occasional transfer bonuses to score excellent deals on award flights to Europe and beyond. With diligent search efforts, you can unlock hidden gems and maximize your travel experience.

Direct Business class seats from JFK - AMS (Amsterdam)

5. Aeroplan: Comprehensive Star Alliance Access

Aeroplan, the loyalty program for Air Canada, provides comprehensive access to the Star Alliance network, making it an ideal choice for travelers seeking diverse redemption options. With a wide range of partner airlines, including United, Singapore Airlines, and Lufthansa, Aeroplan offers flexibility and convenience in booking award flights. Compare redemption rates and availability across different programs to make the most out of your Chase Ultimate Reward Points.

Direct United flights from HNL to SFO for 12,500 Aeroplan Points

Conclusion

Your Chase Ultimate Reward Points offer endless possibilities for unforgettable travel experiences. By leveraging transfer partners like Hyatt, Iberia, Flying Blue, British Airways, and Aeroplan, you can maximize the value of your points and unlock premium rewards. Whether you're dreaming of luxury hotel stays or business class flights, these strategies provide achievable and rewarding options for travelers of all kinds.

Making the Most of Your Disney's Aulani Vacation: 5 Insider Tips

Making the Most of Your Disney's Aulani Vacation: 5 Insider Tips

Are you planning a magical getaway to Disney's Aulani resort? Nestled in the breathtaking landscapes of Hawaii, Aulani offers a perfect blend of Disney magic and island paradise. My family got to have a little staycation this past week, and a friend of mine who previously worked there gave us 5 insider tips to ensure we’d have an unforgettable experience at Aulani! Here tare the tips she shared with us!

1. Unlock the Magic with the Aulani App

Your key to a seamless vacation starts with the Aulani app. This handy tool provides up-to-date information on daily schedules, including free events and character meet-ups. By keeping track of the app, you'll never miss a chance to interact with your favorite Disney characters or participate in exciting activities.

DOWNLOAD THE APP HERE

2. Time Your Character Encounters Wisely

Meeting beloved Disney characters is a highlight of any Aulani vacation, but it can get crowded. To beat the crowds, aim to catch characters towards the end of their scheduled appearances. Position yourself strategically near restrooms or breakfast areas where characters often pass by, allowing for quick and convenient interactions.

VIEW THE DAILY CHARACTER & ACTIVITY SCHEDULE

3. Snack Smart: Bring Your Own Treats

My 1 year old daughter snacking on fruits we bought for the staycation.

While Aulani offers a tempting array of snacks and treats, dining expenses can add up quickly. Save some extra vacation dollars by packing your own snacks in a cooler. Whether it's refreshing drinks or delicious munchies, having your own stash ensures you can indulge without breaking the bank.

Here are the nearest grocery stores to Aulani:

1. Island Country Markets (0.2 miles away)

2. Island Cafe by ABC Stores (0.2 miles away)

3. Target (2 miles away)

4. Down to Earth Organic & Natural - Kapolei ( 2.3 miles away)

5. Foodland (3 miles away)

4. Dive into Fun with Early Pool Time

Make a splash from the moment you arrive at Aulani by heading straight to the pool. Drop off your bags at the front desk and dive into a day of aquatic adventures. Beat the midday heat by finding shaded areas like the back lawn, where you can relax and recharge. Take advantage of complimentary activities like DVD rentals and iPad scavenger hunts to keep the excitement going between pool dips.

Don't forget to preregister for free activities, such as the new beach pau hana, to maximize your Aulani experience. With these insider tips in hand, you're ready to embark on a vacation filled with Disney magic and island bliss at Aulani. Get ready to create memories that will last a lifetime in this tropical paradise!

5. Skip the Moana Costume Program offered by Painted Sky at Aulani

While the Bibbidi Bobbidi boutique is a beloved staple at Disneyland and Disney World, you can recreate the magic right in your Aulani room. Simply pack your little one's favorite princess dress and accessories, or pick up some affordable ones at Walmart's princess party section. Prices at Aulani’s Painted Sky HI Style Studio start at $172 which we think is greatly overpriced for the experience!

Instead, with a little creativity and some budget-friendly shopping, you can create unforgettable memories for your little princess during your Aulani vacation! Walmart has everything you need to transform your child into royalty without breaking the bank. And if you're looking to bring home some Disney magic, both Walmart and Target offer a range of affordable Disney toys and souvenirs.

To add an extra dose of enchantment to your Aulani nights, don't forget to pack some glow sticks. Whether it's a glow-in-the-dark dance party or a magical bath time adventure, these inexpensive additions will keep the fun going long after the sun sets. So skip the lines and the expense of Painted Sky and opt for a DIY Bibbidi Bobbidi Boutique experience at Disney's Aulani.

Final thoughts

In conclusion, with these five insider tips, you're well-equipped to make the most out of your Disney's Aulani vacation. From utilizing the Aulani app to stay updated on schedules to creating your own Bibbidi Bobbidi Boutique experience, there are plenty of ways to enhance your stay and create magical memories. By timing your character interactions wisely, discovering hidden character strolls, bringing your own snacks and treats, and maximizing pool time, you'll ensure a truly unforgettable experience for you and your family. So pack your bags, prepare for adventure, and get ready to immerse yourself in the enchanting world of Disney's Aulani!

Unlocking Value: Amex Offers 30% Bonus on Transfers to Virgin Atlantic until May 31, 2024.

Unlocking Value: Amex Offers 30% Bonus on Transfers to Virgin Atlantic

American Express Membership Rewards has launched an enticing promotion, offering a 30% bonus on transfers to Virgin Atlantic Flying Club. This offer is available starting on April 21 and extends through May 31, 2024.

Here are the key details:

• Eligibility: To take advantage of this offer, you must be an eligible Membership Rewards® Card Member enrolled in Virgin Atlantic Flying Club.

• Minimum Transfer: The minimum transfer requirement is 1,000 Membership Rewards points.

• Redemption Period: The exclusive offer is redeemable from 12:00 a.m. MT on April 21, 2024, to 11:59 p.m. MT on May 31, 2024.

• Bonus Points: Enjoy an additional 30% Virgin Points added to your transfer at the time of completion.

• Transfer Time: While transfers are generally immediate, please allow up to 72 hours for the points to reflect in your Virgin Atlantic Flying Club account.

Our Take:

Todd (@Hawaiiaward travel) redeeming his Virgin Atlantic Miles for ANA First Class “The Suite” from HNL to Narita.

This promotion presents a valuable opportunity for travelers who can find suitable award availability with Virgin Atlantic or its partner airlines. Virgin Atlantic Flying Club boasts several attractive redemption options, including the renowned Delta One to Europe for just 50,000 Virgin Atlantic Flying Club points and ANA first class to Japan for just a little more, a considerable saving compared to Delta's SkyMiles pricing.

While Virgin Atlantic flights often entail high surcharges, particularly on their own flights, this offer can still make sense for individuals who would otherwise pay for a Virgin Atlantic flight. It's worth noting that surcharges tend to be more affordable when departing from certain foreign destinations.

In summary, with its 30% bonus offer, Amex provides a compelling incentive for card members to explore the possibilities within Virgin Atlantic Flying Club's redemption options.

Our Favortie American Express Cards:

1. The American Express Gold Card

   • The American Express® Gold Card is a fantastic choice for anyone who enjoys dining out and shopping for groceries. With 4 points per dollar on both dining purchases and U.S. supermarket spending, you'll quickly rack up rewards on everyday purchases.

     Plus, new cardholders can take advantage of a generous welcome bonus of 60,000 Membership Rewards® points after spending $6,000 on eligible purchases within the first 6 months.

     While the card does have an annual fee of $250, the benefits more than make up for it. Monthly dining credits and Uber Cash help offset the cost, making this card a great value for those who love to indulge in good food and earn rewards while doing so.

2. The American Express Platinum Card

   • The Platinum Card® is a top-tier luxury card with a $695 annual fee. But for that price, you get some incredible benefits. You'll earn 5 points per dollar when booking flights with airlines or through AmEx Travel (up to $500,000 annually) and on prepaid hotel reservations through AmEx Travel.

     Plus, there's a hefty welcome bonus of 80,000 Membership Rewards® Points after spending $8,000 in the first 6 months. You'll also enjoy fee credits for Global Entry or TSA PreCheck, up to $500 in annual Uber credits, $200 in airline fee credits, $200 in credits for Fine Hotels + Resorts® or The Hotel Collection bookings, $300 for Equinox, $240 for entertainment purchases, and $100 at Saks Fifth Avenue. You even get automatic Gold elite status with Hilton and Marriott. Terms apply for enrollment and benefits.

3. The American Express Business Gold Card

   • The American Express® Business Gold Card is designed to match your spending patterns, making it a valuable option for many businesses. You'll earn 4x Membership Rewards points on two categories where you spend the most each month, with options like advertising, gas stations, and restaurants.

     Plus, you'll get 3x points on flights and prepaid hotels booked through AmEx Travel. Another standout feature is the 25% rebate on airline redemptions when using Pay With Points, potentially giving you a higher value per point compared to other cards. With a welcome offer worth up to $930 in value, this card is definitely worth considering for businesses looking to maximize their rewards. Terms apply.

5 Reasons to Cancel your Hawaiian Airlines Credit Card.

5 Reasons to Cancel your Hawaiian Airlines Credit Card.

If you’re a frequent traveler or a loyal customer of Hawaiian Airlines, you might have opted for their co-branded credit card at some point. Their marketing is prevalent everywhere across Hawaii from magazines, commercials, social media and the enticing extra bonus when you sign mid-flight

While these cards often come with enticing benefits and rewards, there are times when it might make sense to reassess your credit card lineup. Here are five compelling reasons why you might consider canceling your Hawaiian Airlines credit card.

1. It doesn’t earn a lot of miles through spending

   While Hawaiian Airlines credit cards offer generous rewards for purchases made with the airline, they often lack versatility when it comes to earning rewards on other spending categories. If you find yourself spending more on other airlines, hotels, or everyday purchases, you might benefit more from a general travel rewards card that offers flexible redemption options.

2. You can only redeem your miles with Hawaiian Airlines.

   Your travel needs and preferences may evolve over time. If you find yourself flying with Hawaiian Airlines less frequently or if your travel patterns shift to destinations not serviced by the airline, the benefits of holding a Hawaiian Airlines credit card may diminish. In such cases, you might find greater value in a credit card with more flexible redemption options or broader airline partnerships.

3. Not worth the annual fee.

   Many airline credit cards, including those offered by Hawaiian Airlines, come with annual fees. If you’re not fully utilizing the card’s benefits to offset the annual fee, it might not be worth keeping. Assess whether the value you receive from the card's perks, such as free checked bags or companion fares, outweighs the cost of the annual fee.

4. Lack of Additional Benefits.

   While Hawaiian Airlines credit cards offer perks such as priority boarding, discounted in-flight purchases, and anniversary bonuses, these benefits may not be compelling enough for some cardholders. If you find that you’re not taking advantage of these additional benefits or if you can access similar perks through other credit cards or loyalty programs, it might be time to reconsider holding onto your Hawaiian Airlines credit card.

5. Eligibility for Better Offers.

   Credit card issuers frequently update their card offerings and launch new products with enhanced benefits and sign-up bonuses. By canceling your Hawaiian Airlines credit card, you free up space to apply for new credit cards that better align with your current spending habits and travel goals. Keep an eye out for promotions and offers from other issuers that might provide greater value and rewards.

Here are 3 Better Credit Card Programs that can Book Hawaiian Airlines Flights.

1. American Express Cards

2. The BILT Card

3. Chase Cards (If you transfer to partners with Hawaiian Airlines like )

FINAL THOUGHTS:

While Hawaiian Airlines credit cards can be valuable for loyal customers and frequent travelers to Hawaii, there are instances where canceling the card might be a prudent financial decision. By evaluating your spending habits, travel patterns, and the overall value you receive from the card, you can make an informed choice about whether to keep or cancel your Hawaiian Airlines credit card.

The Hawaiian Airlines Miles & Rewards economy isn’t highly valued, and Hawaiian Miles are the easiest miles to earn. If you want to learn more about how we are able to earn points & miles faster, check out our accelerated credit card strategy here.

The Guide to Chase Ink Business Cash & Unlimited Cards

The Guide to Chase Ink Business Cash & Unlimited Cards

Updated as of March 21, 2024! The Chase Ink Business Cash® Credit Card and Chase Ink Business Unlimited® Credit Card stand out as premier business cards for earning points. With no annual fee, these cards offer the flexibility to convert rewards into Chase Ultimate Rewards®, my preferred rewards currency. Converting a $750 bonus yields 75,000 Ultimate Rewards points, transferable to 11 airline partners and 3 hotel partners, including Hyatt, Southwest Airlines, and United Airlines. Explore my top 9 ways to utilize Ultimate Rewards and find my complete guide here.

While these cards share many similarities, there are notable differences. Notably, as of March 21, 2024, the Chase Ink Business Cash® Credit Card unveils a new welcome offer!

Welcome Bonuses:

Both the Ink Cash and Ink Unlimited cards offer a cash back welcome bonus, typically $750.

Although similar, the welcome offers have differences. With the Ink Cash, you get six months to spend and earn the full $750 cash back. This is split into two tiers: $350 after spending $3,000 in the first three months, and an additional $400 after spending $6,000 in the first six months.

A new Ink Cash offer includes a 10% Business Relationship Bonus. If you have a Chase Business Checking account on your first card anniversary, you'll earn a one-time 10% bonus on all eligible cash back earned in your first year, excluding the welcome offer. Note: this offer is available for Ink Business Cash cards opened between March 17 and November 17, 2024.

The Ink Unlimited offers a $750 welcome bonus after spending $6,000 in the first three months.

Remember to pair your card(s) with a Chase Sapphire Preferred® Card, Chase Sapphire Reserve® Card, or Chase Ink Business Preferred® Credit Card to transfer your points to Chase’s airline and hotel partners. Your $750 cash back converts to 75,000 Chase Ultimate Rewards® points, transferable at a 1:1 ratio to airlines and hotels.

Earning Categories:

One key difference between these cards lies in their earning categories. Typically, during your initial spending period, you'll earn more with the Ink Unlimited card—unless you spend heavily in bonus categories for the Ink Cash card.

If you open a Business Checking account with Chase and continue spending on an Ink Cash card throughout the year, you'll earn more through the Ink Cash Relationship Bonus. However, you'll receive these bonus points only on your first account anniversary.

Ink Business Cash® Credit Card Earning:

• Earn 5% cash back on the first $25,000 spent on combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.

• Earn 2% cash back on the first $25,000 spent on combined purchases at gas stations and restaurants each account anniversary year.

• Earn 1% cash back on all other purchases, with no limit on how much you can earn.

Ink Business Unlimited® Credit Card Earning:

• Earn unlimited 1.5% Cash Back rewards on every purchase.

Earning Multiple Bonuses on Ink Cards: Firstly, you can open at least one of each Ink card to maximize Chase Ultimate Rewards® earnings.

Moreover, if you have multiple businesses, you can open each card with both your EIN and your SSN. This allows you to separate business expenses efficiently, a practice Chase recognizes and accommodates.

$0 Annual Fees:

The best part about these 2 cards is that there is NO ANNUAL FEE.

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CHASE INK BUSINESS CASH

LEARN MORE

WELCOME OFFER: UP TO $750

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend a total of $6,000 on purchases in the first six months after account opening. This can be worth a total of 75,000 points.

ANNUAL FEE:

$0

• Highlights

  If you have a Chase Sapphire Preferred® Card, you have the option to transfer the Ink points to the Sapphire card, unlocking all the benefits associated with airline and hotel transfers!

  Receive 5% cash back on the initial $25,000 spent on combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.

• Our Take

  When we have big expenses, we prefer using Chase Ink cards to meet spending targets. Though the bonus is labeled as cash back, if you have a Chase Sapphire Preferred® Card, you can combine these points with your Sapphire card. However, this isn't an option if you have a Chase Ink Business Premier℠ Credit Card.

• Bonus History

  In the past, this card used to give a $500 bonus when you spent $3000 in 3 months. During the pandemic, it changed to $750 after spending $7500 in 3 months. Then, in fall 2022, it increased to $900 after spending $6,000 in 3 months, ending in March 2023. From September 2023 to January 2024, the $900 offer returned. The new tiered offer, giving you 6 months to spend $6000 and earn $750, started in March 2024.

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CHASE INK BUSINESS UNLIMITED

LEARN MORE

WELCOME OFFER: UP TO $750

Earn $750 (can be worth 75,000 points) after you spend $6,000 in 3 months

ANNUAL FEE:

$0

• Highlights

  If you have the Chase Sapphire Preferred® Card, you can transfer the Ink points to the Sapphire card to get all the airline and hotel transfer benefits!

  Earn unlimited 1.5% Cash Back rewards on every purchase

• Our take

  We prefer using Chase Ink cards for covering big expenses and meeting higher minimum spend requirements. The bonus for these cards comes in cash back. But if you have a Chase Sapphire Preferred® Card, you can merge the cash back points with your Sapphire card. Note: This isn't possible with a Chase Ink Business Premier℠ Credit Card.

  You can apply for a Chase Ink Business Cash® Credit Card and Chase Ink Business Unlimited® Credit Card. If you have multiple businesses, you can get multiple cards. Remember to refer your spouse to maximize benefits.

• Bonus History

  In the past, this card used to give a $500 bonus when you spent $3000 in 3 months. During the pandemic, it changed to $750 after spending $7500 in 3 months. Then, in fall 2022, it increased to $900 after spending $6,000 in 3 months, ending in March 2023. From September 2023 to January 2024, the $900 offer returned. The new tiered offer, giving you 6 months to spend $6000 and earn $750, started in March 2024.

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Frequently Asked Questions:

Do these cards earn cash back or points?

These cards offer bonuses listed in cash back, which technically equate to a version of Chase Ultimate Rewards® redeemable exclusively as cash back. However, there's an exception: when you pair your Ink card(s) with a Chase Sapphire Preferred® Card, Chase Sapphire Reserve® Card, or Chase Ink Business Preferred® Credit Card, you can transfer your points to Chase's airline and hotel transfer partners for greater value.

Which card should I open?

If you frequent office supply stores like Staples or Office Max/Office Depot, the Ink Cash card is ideal, offering 5x rewards at these stores. It's also suitable if you prefer spreading your spending requirement over six months. If office supply stores aren't your go-to, the Ink Unlimited is a solid choice, earning a flat 1.5 cents per point on most purchases.

What if I don’t have a Sapphire card yet?

You can open one of the Chase Ink cards now and then apply for a Chase Sapphire Preferred® Card, Chase Sapphire Reserve® Card, or Chase Ink Business Preferred® Credit Card later. Having a Sapphire card first isn't necessary. Alternatively, if your spouse has a Sapphire card and you don’t, you can call Chase to transfer your Chase Ultimate Rewards® from your Ink card(s) to your spouse’s account to maximize their value. Points can be combined across your household.

I’m not sure I can hit the $6k spend requirement?

If meeting a $6,000 spending requirement seems daunting, explore our tips for reaching high minimum spends. Alternatively, consider the Ink Cash card, which offers the option to spend $6,000 over a total of six months.

Can I put personal expenses on a business card?

Yes, it's common to use a business card for personal expenses. Credit card issuers don't report your spending to the IRS or anyone else, so there are no tax implications. However, if you have genuine business expenses, it's important to track them separately for tax purposes.

What benefits do these cards include?

Aside from a generous welcome bonus and no annual fee, the Chase Business Ink Cash® Credit Card and Chase Business Ink Unlimited® Credit Cards offer additional perks such as

1. purchase protection

2. extended warranty protection

3. travel and emergency assistance

4. and roadside dispatch.

What can I do with Chase Ultimate Rewards®?

Discover the possibilities with your Chase Ultimate Rewards® by exploring our top 9 uses for Ultimate Rewards and our comprehensive Ultimate Rewards guide. These points can be redeemed for various travel experiences, including trips to Europe, resort stays in Hawaii, all-inclusive vacations in the Caribbean, family road trips, and much more!

3 Best Ways to Redeem Points in Hawaii

3 Easy Ways to Redeem Points in Hawaii

I was recently interviewed by Julia Menez from Geobreeze Travel to discuss credit and travel hacks to Hawaii. Click here to listen to the Podcast.

My Credit & Travel Hacking Journey

I was born and raised here in Hawaii and grew up around the travel business. My grandfather & father were in the travel business, both owning a travel booking service and tour bus company.

I started to travel and credit hack in early 2016 because I was eager to find a cheaper & more efficient way to travel, while still saving up for financial investments. So I got my first credit card, the Barclay Arrival+ card. The 80,000 points sign-up bonus is what attracted me to the card, but I later realized that after redeeming the points earned from the sign-up bonus, points were hard to earn afterward and that Barclay’s points weren’t valuable, each point only worth 1 cent.

Following this discovery, a friend turned me onto the Chase Trifecta, which is the trio of these 3 Chase credit cards the CHASE SAPPHIRE PREFERRED, CHASE FREEDOM UNLIMITED, & the CHASE FREEDOM FLEX. With these three cards, I built a more sustainable model to earn points and my points are worth more when redeeming them through the Chase travel portal at 1.25-1.5 cents per point.

After mastering the Chase trifecta, I then opened a dozen more credit cards, using my own strategies as well as tips from other travel hackers, while still maintaining a credit score over 800. This is only a short summary of my journey, but I did want to share some deals with you all as a credit hacker and resident of Hawaii.

Look for these Deals when traveling to Hawaii

1.WEST COAST TO HAWAII UNDER $60 or 10,000 points on Southwest Airlines.

In March 2019, Southwest Airlines announced it would begin routes from the west coast to Hawaii. Prior to their arrival, Hawaiian airlines held the majority of the interisland travel and west coast travel, but Southwest Airlines has come in and taken the majority of those routes. Their cheap prices, customer service & unique boarding style have made it the preferred choice of travel to and from the islands.

On low travel seasons, direct flights can be purchased at under 10,000 southwest points. Not enough Southwest points? Apply for the Southwest Rapid Rewards® Plus Credit Card for an extra 40,000 southwest points or transfer your points directly from your Chase account at a 1 to 1 transfer ratio.

2. INTER-ISLAND TRAVEL UNDER $30 or 2,000 Points on Southwest Airlines.

Along with the cheap west coast flights, Southwest started routes in between the islands of Hawaii. Those routes include flights between the Big Island (Hawaii), Maui, Kauai, & Oahu. Prices average between $39-59 (2500 - 5000 points) one way, but on occasion, prices have dropped below $29 (2,000 points ) during off-seasons. Do your research and look for these deals on inter-island flights.

3. LUXURY STAY at the Andaz Maui at Wailea Resort at 30,000 points a night.

Hyatt is regarded as the best hotel transfer with Chase, with The Points Guy valuing one Hyatt point at 1.7 cents (April 2021). This is an incredible redemption rate, but the Andaz Maui at Wailea Resort is part of the Hyatt Collection boasts an even higher value for your points at over 3 cents per Hyatt point. At the time of this article, booking a standard room costs $1097.00 per night. Hyatt’s category point system allows this Category 7 resort to be priced no more than 30,000 Hyatt points a night! If you do the math, that’s 3.65 cents per Hyatt point. To top this amazing deal off, Chase transfers points to Hyatt at a 1:1 ratio. Chase also has a co-branded Hyatt Visa credit card that you can get for a 60,000 point sign-up bonus, a free anniversary night, and other travel benefits.

Updated Nov 2023: As a Category 8 Hyatt, the Andaz Maui at Wailea will cost you 35,000-45,000 World of Hyatt points per night.

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There are many other travel deals when traveling to Hawaii, but these 3 will bring the most value to your points. If you would like to get started with your credit/travel journey, you can support our channel by applying for your cards HERE.

Airport Lounges that are open at the Daniel Inouye International Airport HNL in Hawaii in 2021

Airport Lounges that are open at the Daniel Inouye International Airport HNL in Hawaii in 2021

It’s been almost a year since Covid-19 impacted travel to Hawaii, and many of the airport lounges are still closed.

Finding updated lounge info online has been inconsistent, so here is an updated status on lounges at HNL as of January 20, 2021

The New Ko Olina Lounge at the DAniel Inouye International Airport

Open:
✅ The Plumeria Lounge (Priority Pass)
✅ Hawaiian Airlines Premier Club
✅ United Airlines United Club
✅ Four Seasons Lanai Lounge
✅ Ko Olina Club Lounge
✅ USO Honolulu International Airport
✅ China Airlines Dynasty Lounge
✅ JAL Sakura Lounge / American Airlines Admirals Club

Closed:
🅾️ ANA Lounge & Suite Lounge
🅾️ Delta Sky Club
🅾️ Korean Air Lounge
🅾️ IASS Lounge
🅾️ Quanta Airways Lounge

The great thing is that the only lounge you have access to with Priority Pass is still open, which is the Plumeria Lounge. I hope you all have safe travels!

Chase announces 2020 Q3 bonuses for the Sapphire Credit Cards

Chase Sapphire Update:

Starting July 1 and running through Sept. 30, both chase sapphire cards will earn between 3 and 10 bonus points for every dollar spent on purchases at gas stations, on select streaming services and on Instacart grocery delivery and pickup orders.

Gas stations:
3x on the CSP
5x on the CSR

Streaming Services:
5x on the CSP
10x on the CSR

Sapphire Cardholders will also get up to $50 in statement credits toward an Instacart Express membership, which offers unlimited $0 delivery fees and reduced service fees on all orders over $35. There is No activation required for Sapphire cardholders to access these limited-time benefits.

These credits are enough to cover either three months of a monthly membership or up to half off an annual membership.

Today is also the last day to earn bonus points on grocery purchases with Chase Sapphire credit cards. CSP holders can earn 3x and CSR holders can earn 5x, so don’t forget to load up on gift cards today ;-).

*Thoughts: I’m happy to see chase rolling out useful spending bonuses during this covid-19 pandemic, although I will really miss the 5x on groceries!

Get $20 off at Amazon after you make a single purchase of $50 or more using your AMEX card.

There is a new AMEX offer available for cardholders when you spend at Amazon! Use an American Express card to make a single purchase of $50 or more on Amazon and get $20 off a future purchase. This offer is available from Amazon using their link, rather than an Amex offer activated on their site. The $50 spend required under this limited-time Amex offer can be on anything shipped and sold by Amazon except Amazon gift cards. Below are the steps you earn and use your credit.

Here are the Steps 

1. Purchase $50 or more using your American Express Card on Amazon.

2. Receive a confirmation email with the reward link once your order has shipped.

3. Follow instructions on the redemption link to purchase from the Moments store.

What does the FINE PRINT SAY?

• The offer can only be redeemed once per customer/account and expires on July 22nd. 

• You will have until August 22nd to make use of the $20 credit. 

• If you return any of the items involved in the promotion, Amazon reserves the right to remove the promotional credit.

• The $20 off will only work on purchases made on the Amazon Moments store.

What is the AMAZON MOMENTS STORE?

The Amazon Moments store is a curated list of items with 4 stars or above”. The list includes over 60,000 items so you’ll have a nice variety to choose from. 

BOTTOM LINE:

Take a browse through the Amazon Moments store before taking up this offer. If you see any items that interest you, then this deal would be worth it.

These 4 credit cards can help you pay off your debt on time!

Do you have existing credit card debt or have accumulated credit card debt due to COVID-19?

STRATEGY: Pay off credit card debt by opening a credit card with an introductory period of 0% APR

One way to alleviate the stress of accumulated credit card debt is to transfer an existing credit card balance to a credit card that offers the benefit of no transfer fees and 0% interest on balance transfers and purchases for a period of time.  An added bonus is that all of the credit cards listed below currently do not have an annual fee! As this article was being published, the Chase Slate card was removed from the Chase website, probably as a result of COVID-19 changes by chase. We added an extra BONUS card that can help you transfer your debt.

1. Amex EveryDay® Credit Card

BENEFITS:

• No balance transfer fee for transfers within 60 days of account opening

• 0% intro APR for 15 months on purchases and balance transfers from account opening

• Earn 10,000 membership rewards points after you use your new card to make $1,000 in purchases within the first 3 months of account opening.  If you’re saving money to pay off your credit card debt, but want to take advantage of this introductory offer (which you should), contact The Credit Hacker for creative ways on achieving the minimum spend requirement

• Approx minimum credit score 660-700

2. Chase Slate

* Currently removed from the Chase Website as of 4/16/2020

BENEFITS:

• No balance transfer fee for transfers within 60 days of account opening

• 0% intro APR for 15 months on purchases and balance transfers from account opening

• Approx minimum credit score 690

CON:

• No rewards

3. Citi Simplicity Card

BENEFITS:

• Balance Transfer Fee: Either $5 or 5% of the amount of each credit card balance transfer, whichever is greater

• Get 0% intro APR for 21 months on balance transfers and for 12 months on purchases.  Balance transfers must be completed within the first 4 months 

• Approx minimum credit score 670

CON:

• No rewards

4. U.S. Bank Visa® Platinum Card

BENEFITS:

• Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

• Get 0% introductory APR on purchases and balance transfers for the first 20 billing cycles.  Balance transfers must be within 60 days from account opening

CON:

• Approx minimum credit score 750

• No rewards

Transferring debt between cards with the same issuer is typically not allowed. 

Please note that introductory rates on credit cards increase SUBSTANTIALLY after the introductory period.  Please check the terms of your credit card agreement.  Minimum credit score thresholds may vary and are at the discretion of the credit card company you’re applying to.  The information provided above is current as of the date of the blog post.

We at The Credit Hacker want to emphasize that we encourage EVERYONE out there to eliminate credit card debt and develop healthy spending habits by utilizing a budget.  The credit cards listed above are a tool to get you out of debt, but the reality is that spending habits may need to be adjusted in order to alleviate the debt that was accrued.