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About 335 days ago, my father dragged me into adulthood by kicking and screaming. Finally, after months of training in personal finance, it’s time to sign up for my first credit card.
It’s not that I do not understand the term credit rather than what credit means. credit cards are
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– People who get along well enough to pay bills and buy adults. I in turn decided
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I am 22 years old and still live with my parents 6 months before graduation. I did well in college with cold cash and a reliable debit card.
, but is not part of the fun?). Aside from my glorious new job at, I was not noticeably different from the guy I went to college with. Why the hell do I have to sign up for a credit card?
As my dear dad, a 30 year old senior in financial services kindly explained, I’m completely wrong. Cards are not a magic bullet and there are all kinds of people who are suitable for all kinds of people, from the financially afflicted (me) person to the financially ill.
For smart consumers, credit cards can also be a reminder, the father explained. Most cards earn “points” when you spend money that can be used for food, travel or shopping. Others offer unique “member” benefits at concerts, live events and resorts. This may not be unexpected news for you, but rest assured. That’s for me.
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To explain his point, he came up with a number of cards that offer a variety of benefits, from connections for cheap tea time to tickets and discounts on big business events. Today, a year later, cardholders’ terms are better than ever. US savings have grown significantly over the past 12 months and card companies are happy to take over the business and offer the best benefits (and prior approval).
Whether it’s the time you are not growing up or just wanting to take advantage of great deals, check out these five credit cards.
There is a reason why the Chase Sapphire Preferred card is a favorite with all fans. The official map of the PGA Championship, Chase, offers card members a very discounted ticket price, a luxury hotel and spectator experience, and access to tents only for card members at the venue. Those who want to spend a little more can apply for a Chase Sapphire Reserve Card ($ 495 annual fee) which offers all the benefits of Sapphire Preferred but offers added food and travel benefits.
It is the most expensive card on the list, but because it offers the most diverse benefits. Get discounts on Hilton and Mariott hotels, get 6x points when you travel, and access more than 1,300 airport lounges around the world. , American Express’ partnership with the USGA enables members to enjoy a variety of benefits. Platinum card members get early access to US Open tickets, product discounts and individual streaming packages.
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Although it may be the least used card on this list, the PGA Tour Cash Rewards Mastercard is the best ** credit card on the market. Once you sign up, you can get 3% off petrol, 2% off meals and a 1% refund on all other card purchases. However, this is just a “normal” thing.
When you spend $ 95 on your card for the first 90 days, you get two free tickets to the selected PGA Tour. Cardholders also receive discounts on green fees, merchandise and exclusive rights to TPC courses across the United States.
It will be difficult to find a better balance of value and reward for travelers in life than with the Amex gold card. With all the same USGA benefits listed above, Gold Card holders receive many travel-related offers (up to 3x points for travel-related purchases from hotel and car benefits to travel-related purchases) at half the price of Platinum cards. The biggest drawback to the Gold card is that unlike the Platinum card, you have to pay for access to American Express lounges at the airport. It’s still hard to go wrong with gold if you’re a tourist.
If you are a business traveler, you know the benefits of the Bonvoy card. Free nights, upgrades and discount nights are just some of the benefits of frequent flyer travelers. These benefits are only available through Marriott Links, an extension of the Marriott Bonvoy Rewards program. Earn points for Bonvoy Prizes by booking free time on related Marriott courses, or use your Bonvoy points to pay for sessions or training at Mariott Academies in Orlando and Palm Desert, California.
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James Colgan is an Assistant Editor, and writes articles on a variety of topics for websites and magazines. He writes a weekly media column for Hot Mic and uses his broadcast experience on the brand’s social media and video platform. After graduating from Syracuse University in 2019, James and his game are still thawing in the snow for four years and have had their teeth cut by NFL Films, CBS News and Fox Sports at the time. Prior to joining him, James was a recipient of the Long Island Batsman (and a keen runner). These awards can affect how and where products are displayed on this page, including, for example, the order in which they appear on category pages. Although not all banks, credit card companies or all available credit card offers are included, we make every effort to have a comprehensive list of offers, regardless of the prize. Advertiser Affiliates are American Express, Chase, U.S. Bank, Barclaycard, etc.
How would you like to get more than 2% for each purchase? This is just one example of what credit card users are being offered in the form of rewards.
Those who were aware of the potential for credit card awards realized that there were dozens of competing products. One card or group of cards is not suitable for everyone.
So, how do you choose which credit card to use? It’s not easy, but there are proven ways to get the most out of your credit card spending.
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First, it is important to remember that credit card awards are not for everyone. Unfortunately, those with the status should not use the prize card. This is because by seeking benefits, credit card holders lose the opportunity to receive lower interest rates offered by unpaid cards (ie credit cards with the lowest annual interest rates). It is best to ignore the prize altogether, as low interest rates will far exceed the value of refunds, points or miles. Also, people who are struggling with credit card debt should not be encouraged to spend more to get benefits.
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An ideal Travel Rewards credit card user is the one who enjoys traveling and pays the full amount each month. Users of travel prize cards do not even have to travel a lot to take advantage of the opportunities that these cards offer. Many people earn points and miles all year round and only use them occasionally. Of course those who do
If you believe you can save money by using a prize card, your goal is to maximize the value you get for every dollar you spend. This calculation is easy for simple repayment credit cards that return a fixed rate per dollar spent, but becomes more complicated when calculating the repayment value of cards that offer different spending returns between different categories of merchants.
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For example, Citi’s Costco Anywhere Visa card gives you an extra refund on gas purchases (4% of the first $ 7,000 of eligible purchases each year). This is a significantly higher percentage of the refund that cardholders earn on other purchases. Some cards offer a refund bonus for purchases in spending categories that rotate every few months, such as the Chase Freedom Flex card.
It can be almost impossible to calculate the total money back on a card like this, as you never know which category will get the best price at any given time. Most cards, such as the American Express Blue Cash Preferred® card and the Chase Freedom Flex card, have a maximum limit on the amount you spend, which is the bonus payout percentage.
Customers can choose to have multiple cards with them so they can use the card with the highest current price.
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