4 Credit Cards to Help You Bar Hop Responsibly

These cards help you go out for drinks and get home safely.

[DISCLOSURE: Cards from our partners are mentioned below.]

If your evening plans often include multiple bars and clubs, you may need sober rides to ferry you and your friends between party spots or take you home after last call. But cabs, ride services and public transportation costs can get expensive, especially when combined with a bar tab. (Check out what happened when one Seattle bar went completely cashless.)

Some credit cards can help you go out for drinks and get home responsibly. These credit cards can earn you rewards at your neighborhood party spots and on your ride home or help pay for cab fare.

Here are four credit cards to help you barhop responsibly.

1. The Platinum Card From American Express

Rewards: Five points per dollar spent on flights booked with the airline or American Express Travel and on eligible hotels booked on amextravel.com
Signup Bonus: 60,000 bonus points when you spend $5,000 in the first three months
Annual Fee: $550
Annual Percentage Rate (APR): None. You must pay the balance in full each month.
Why We Picked It: Automatic Uber credits can help pay to get you home.
For Your Night Out: When you link this card to your Uber account, you’ll automatically get $15 in monthly Uber credits and a bonus $20 in December, for a total of up to $200 in annual credits.
Drawbacks: The card offers a wide range of benefits, but there’s a steep $550 annual fee.

2. Chase Sapphire Preferred

Rewards: Two points per dollar spent on travel and dining, one point per dollar spent on everything else
Signup Bonus: 50,000 bonus points when you spend $4,000 in the first three months
Annual Fee: $0 the first year, then $95
APR: Variable 16.74% to 23.74%
Why We Picked It: With this card, your night out earns you points for travel redemptions.
For Your Night Out: You’ll earn double points on travel spending, which includes passenger trains, buses, taxis, limos and more. Plus, you can earn double points at restaurants and some bars.
Drawbacks: Some bars that don’t serve food may not earn double points if they don’t use the right merchant category.

3. Discover it Miles Travel Credit Card

Rewards: 1.5 miles per dollar spent on all purchases
Signup Bonus: Discover will match all miles you earn in the first year
Annual Fee: None
APR: 0% intro APR for 14 months on purchases, then variable 11.74% to 23.74%
Why We Picked It: The miles matching policy boosts the first-year value of this card.
For Your Night Out: You’ll earn 1.5 miles on all spending, including drinks and transportation, and Discover will match all miles you earn after one year. Since miles can be redeemed for cab fare, that first year bonus can pay for many sober rides.
Drawbacks: You’ll have to wait a year for your signup bonus.

4. Citi ThankYou Premier

Rewards: Three points per dollar spent on travel, two points per dollar spent on dining and entertainment, one point per dollar spent on everything else
Signup Bonus: 30,000 bonus points when you spend $3,000 in the first three months
Annual Fee: $0 the first year, then $95
APR: Variable 15.49% to 24.49%
Why We Picked It: There are many ways to rack up points while you party. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
For Your Night Out: You’ll earn three points per dollar spent on transportation, including ferries, commuter railways, subways, taxis, limos and more. Plus, you’ll get two points per dollar spent at bars, restaurants and lounges and on live entertainment.
Drawbacks: The signup bonus is smaller than some other rewards cards.

How to Pick a Card for Your Night Out

The best card for responsible barhopping depends on how you spend. If you frequently need a cab because you’ve been hitting the bars, you’ll likely want to pick a card that rewards you for racking up bar tabs and catching a ride home. With any card, pay special attention to the merchant categories that earn the most rewards.

Beyond that, the right card for you depends on your goals and spending habits. If you simply want a card to take to the club, a card with strong rewards at restaurants and bars might suffice. But if you want a card to use for everyday spending, you might want to expand your search to include cash back cards and other types of rewards.

What Credit Is Required to Get a Card for Barhopping?

Cards that reward travel expenses and bar tabs often require good to excellent credit. If you aren’t sure where your credit stands, you should check your credit report and credit score before you apply. You can check two of your credit scores for free at Credit.com.

Image: jacoblund

At publishing time, the Platinum Card from American Express, Chase Sapphire Preferred, Discover it Miles and Citi ThankYou Premier credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 4 Credit Cards to Help You Bar Hop Responsibly appeared first on Credit.com.

5 Credit Cards for Flyers Who Love Special Treatment

If you’re looking for a better flight experience, you might want to see what an airline credit card can do for you.

[DISCLOSURE: Cards from our partners are mentioned below.]

Frequent flyers know constantly crisscrossing the skies is a grind. Dealing with security, airline fees and other hassles can make any trip a headache.

If you’re looking for a better flight experience, you might want to see what an airline credit card can do for you. Most major airlines offer credit cards with perks that can improve your flight experience.

Here are five credit cards that get you special treatment with the airlines.

1. United MileagePlus Explorer Card

Rewards: Two miles per dollar spent on United tickets, one mile per dollar spent on everything else
Signup Bonus: 50,000 bonus miles when you spend $3,000 in the first three months
Annual Fee: $95
Annual Percentage Rate (APR): Variable 16.74% to 23.74%
Why We Picked It: Special treatment from United starts before you step foot on the plane.
For Your Flight: The first checked bag for both you and a companion is free. Plus, you’ll get priority boarding ahead of general passengers. The card also provides two one-time United Club lounge passes each year with your card anniversary.
Drawbacks: If you tend to only carry on, you won’t get the benefit of the free checked bag.

2. Citi/AAdvantage Platinum Select Card

Rewards: Two miles for every dollar spent on American Airlines purchases, one mile per dollar spent on everything else
Signup Bonus: 60,000 bonus miles when you spend $3,000 in the first three months
Annual Fee: $95, waived for first year
APR: Variable 16.74% to 24.74%
Why We Picked It: You’ll get special treatment at the airport and save on in-flight meals. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
For Your Flight: Cardholders and up to four companions get their first checked bag free with domestic American Airlines flights. Plus, they’ll get priority boarding and a 25% discount on in-flight meals and beverages.
Drawbacks: Perks like priority boarding and free checked bags are restricted to domestic flights.

3. Southwest Rapid Rewards Premier Credit Card

Rewards: Two points per dollar spent on Southwest Airlines flights and with select hotel and car rental partners, one point per dollar spent on all other purchases
Signup Bonus: 6,000 bonus points each card anniversary
Annual Fee: $99
APR: Variable 16.74% to 23.74%
Why We Picked It: Southwest’s credit card helps flyers avoid fees.
For Your Flight: Cardholders get first and second checked bags free. There are no change fees if you need to modify your flights, although fare differences may apply.
Drawbacks: Southwest does not offer priority boarding with this card.

4. JetBlue Plus Card

Rewards: Six points per dollar spent on JetBlue purchases, two points per dollar spent at restaurants and grocery stores and one point per dollar spent on everything else
Signup Bonus: 30,000 bonus points when you spend $1,000 in the first 90 days, 5,000 annual bonus points on your card anniversary
Annual Fee: $99
APR: Variable 12.74%, 20.74% or 25.74% on purchases, 0% intro APR for 12 months on balance transfers, then variable 12.74%, 20.74% or 25.74%
Why We Picked It: You’ll get deep discounts on in-flight meals and free checked bags and you can earn elite status with JetBlue.
For Your Flight: Cardholders and up to three companions get their first bags checked free. You’ll also get 50% off eligible in-flight beverages and food. If you spend $50,000 on your card in a calendar year, you can join the TrueBlue Mosaic program, which provides benefits including waived change and cancellation fees, expedited security lines, priority boarding and free alcoholic beverages.
Drawbacks: Earning Mosaic status requires a steep spending minimum.

5. Gold Delta Skymiles Credit Card

Rewards: Two miles per dollar spent on Delta purchases, one mile per dollar spent on everything else
Signup Bonus: 60,000 bonus miles when you spend $3,000 in the first four months, plus a $50 statement credit with your first Delta purchase in the same time frame
Annual Fee: $0 the first year, then $95
APR: Variable 16.74% to 25.74%
Why We Picked It: Delta’s credit card provides basic flight perks and the potential for Medallion membership.
For Your Flight: Your first checked bag is free and you’ll enjoy priority boarding. In-flight meals, beverages and audio headset purchases receive a 20% discount. Each year, you’ll get a round-trip companion certificate for a domestic main cabin seat. The card also provides discounted Delta Sky Club lounge access. Finally, spending $25,000 in a calendar year can earn you Medallion Member status, which includes a number of additional premium benefits including upgraded seats, additional waived fees and more.
Drawbacks: Earning Medallion membership requires a steep spending minimum or earning Medallion Qualification Dollars.

How to Choose a Card for Airline Perks

Because most cards that convey special flight perks are offered by specific airlines, you should first examine the card that’s tied to your airline of choice. If the perks that come with that card aren’t particularly impressive, you may want to check competitor cards to see if it could be beneficial to switch loyalties.

Of course, you’ll want to weigh the offered benefits against the annual fee and other associated card costs. For instance, airport lounges are great for those that frequently arrive at the airport early or experience layovers. But if you tend to get to your gate at the last second and usually take direct flights, this benefit might be worthless. Make sure to look for benefits that actually enhance the way you travel.

If you have no specific loyalty to one airline and tend to choose flights based on factors like price or convenience, you may be better off with a general travel card.

What Is Required to Get a Credit Card With Special Treatment at Airlines?

Cards that provide special flight perks and elite status with airlines usually require excellent credit. You should be reasonably confident you can get approved before you apply, because a hard credit inquiry from a credit card application can ding your credit score a few points. You can check two of your credit scores for free at Credit.com.

Image: beer5020

At publishing time, the Citi / AAdvantage Platinum Select, JetBlue Plus and Gold Delta Skymiles credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 5 Credit Cards for Flyers Who Love Special Treatment appeared first on Credit.com.

How to Throw a Killer Fourth of July Cookout on a Budget

Like parades and fireworks, Independence Day cookouts are a holiday tradition. But hosting one can get costly if you don't watch your budget.

Like parades and fireworks, Independence Day cookouts are a holiday tradition. But hosting one can get pricy if you don’t watch your budget. Here are some tips for hosting a fabulous cookout this Fourth of July without going broke, courtesy of Sarah Spigelman Richter, a food reporter based in Manhattan.

1. Think Quality Over Quantity

You may think you’re getting a deal on that discount meat, but chances are the pricier goods are a better value, said Richter. Though you’ll have fewer burgers to go around, you’ll feel better about eating meat that was raised ethically and sustainably — it’s better for your health, the environment and animal welfare. Of course, “sustainably sourced everything does cost more,” Richter said, so don’t feel pressured to serve up a steak. “Go for any sort of poultry that’s interesting to you,” she said, or choose sausages, fish or ground meat. The latter is often cheaper and more delicious.

2. Serve Veggies 

“You don’t want to forget people who don’t eat meat at your cookout,” said Richter, who advised hitting the farmer’s market to stock up. “My general rule of thumb is, whatever looks best that day, get it,” she said. Veggies usually taste good either right off the grill or when they’ve cooled down, so they’re a perfect snack for after the pool. Try loading kebabs with veggies and a small amount of meat, or serve up meatless grilled mains like beans and tofu. “Things that can fall through the grates like asparagus can always be put in a foil pouch placed directly on the grill,” Richter said.

3. Grill Fruit 

The surprising, smoky flavor of grilled fruit is like “dinner theater,” said Richter, who explained that grilling brings out the natural sugars in fruit, which makes them sweeter, like caramelized onions. Remember to brush whatever you’re grilling with a little olive oil and keep a close eye on your fruit so it doesn’t go up in flames (indirect heat is best). Richter advised grilling stone fruit like peaches, plums, nectarines, pluots and apricots. Leave the skins on, then peel afterward and serve with a dollop of cool whipped cream. “It’s a really easy dessert,” she said.

4. Ask Friends to BYOB

We won’t dissuade you from stocking up on basics like water and soda, but it never hurts to ask your friends to pitch in. If they have particular tastes — yes way, rosé — encourage them to round out the offerings. As Richter jokingly put it, “Get your friends to bring exactly what they like so you don’t wind up with three bottles of white zinfandel that nobody drinks and eventually turns into vinegar in your pantry.”

5. Use Rewards Credit Cards 

If you’re going to go shopping, you may as well get a little kickback for it, which is what rewards credit cards are all about. You can earn points toward perks like gift cards, account credit and discounts at your favorite stores. Just remember to check your credit before you apply, as many issuers require decent credit in order to qualify. (Not sure where your finances stand? You can view two of your credit scores for free on Credit.com.)

6. Keep Side Dishes Simple 

“Don’t drive yourself crazy trying to make a risotto in the kitchen while everyone’s outside enjoying themselves,” said Richter. “Grab a bag of chips and some coleslaw and enjoy the day.”

Image: M_a_y_a

The post How to Throw a Killer Fourth of July Cookout on a Budget appeared first on Credit.com.

5 Credit Cards That Take the Bite out of Pricey Pet Bills

The cost of pet supplies can add up, but these cards can help you save.

[Disclosure: Cards from our partners are mentioned below.]

Your pets are more than just cute — they’re members of the family. Like any family member, you want to keep them happy and healthy. But the cost of pet food, veterinarian visits, medication and other supplies can add up.

Some credit cards make spending on your pet a walk in the park using cash back, rewards points or 0% interest offers.

The best cards for pet lovers make it easier to afford your animal friends. These credit cards do the trick.

1. American Kennel Club Visa

The Draw: Three points per dollar spent at pet stores, vets and the AKC, two points per dollar spent on gas and groceries and one point per dollar spent on everything else
Signup Bonus: None
Annual Fee: None
APR: Variable 12.98%, 18.99% or 22.99%
Why We Picked It: This card rewards pet purchases, helps with gas and groceries and supports the AKC.
Benefits: All purchases made on this card earn rewards points, with special value put on pet, fuel and grocery expenses. Points can be redeemed for travel, merchandise, gift cards and more. Plus, a percentage of sales made on the card goes to benefit the AKC, an organization that supports dog breeders and canine health. You can get your card customized to include your pet’s photo.
Drawbacks: If you’re not a fan of dog breeding, keep looking.

2. Chase Freedom

The Draw: 5% cash back on rotating bonus categories on up to $1,500 in combined purchases each quarter, and 1% unlimited cash back on everything else
Signup Bonus: $150 when you spend $500 in the first three months
Annual Fee: None
APR: 0% for 15 months, then variable 15.74% to 24.49%
Why We Picked It: The card earns 5% cash back on rotating categories, but Shop through Chase can help you save on pet purchases.
Benefits: Cardholders earn 5% cash back on quarterly rotating categories such as grocery stores and gas. All other purchases earn 1% cash back. You’ll also get access to Shop through Chase, which offers 1% to 15% extra cash back rewards at select online retailers, including PetSmart. Plus, there’s a $150 signup bonus.
Drawbacks: If you don’t want to track and activate cash-back categories on a quarterly basis, this card will be a headache.

3. Amazon Rewards Visa Card

The Draw: 3% cash back at Amazon.com (5% if you have Amazon Prime), 2% cash back at restaurants and drugstores and 1% cash back on everything else
Signup Bonus: None
Annual Fee: None
APR: Variable 14.99% to 22.99%
Why We Picked It: If you prefer to shop for your furry friends online, the Amazon card can help you earn back some money.
Benefits: Your earnings can be redeemed for cash back, Amazon purchases and more. With cash back ranging from 3% to 5% on Amazon.com purchases, you can save on those bulk bags of dog food.
Drawbacks: This card won’t deliver as much value if you prefer to shop at brick-and-mortar locations.

4. Blue Cash Preferred Card from American Express

The Draw: 6% cash back at supermarkets on up to $6,000 in purchases per year, 3% cash back at gas stations and select department stores and 1% cash back on everything else
Signup Bonus: $150 bonus cash back when you spend $1,000 in the first three months
Annual Fee: $95
APR: 0% for 12 months, then variable 13.74% to 24.74%
Why We Picked It: This card is a no-brainer if you make pet purchases at the grocery store.
Benefits: With 6% cash back at supermarkets, this card can earn cash quick if you make pet purchases at the grocery store. Plus, that $150 bonus boosts the first-year value of the card.
Drawbacks: You’ll have to pay an annual fee of $95.

5. Citi Simplicity

The Draw: A 0% intro APR period that’s perfect for big balances
Signup Bonus: None
Annual Fee: None
APR: 0% for 21 months, then variable 14.24% to 24.24%
Why We Picked It: For large vet bills, this card offers plenty of time to pay down your balance interest-free. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
Benefits: The card’s greatest asset is the 21-month intro 0% APR offer. If you have a large vet bill coming due, charging it to this card (or initiating a balance transfer) would give you nearly two years to pay it off with no interest.
Drawbacks: There are no rewards points or cash-back offers, so the card isn’t as valuable for everyday spending.

How to Choose a Card for Pet Expenses

If you’re looking for a card solely for pet expenses, choose a card that most rewards your supplier of choice. For instance, if you buy all your pet supplies online, the Amazon.com credit card might be best. If you buy all your supplies at grocery stores, a card with a high grocery store cash-back rate would be appropriate. If you need to transfer a hefty vet bill from an existing card to a new one, a card with a long intro 0% APR period would be suitable.

However, if you also plan to use your card for everyday spending, you’ll probably want to look at your spending activity and choose a card that will reward your overall behavior. This way, you’ll get rewarded on everything you buy.

Consider your goals, spending habits and the needs of your animal companions before you choose a card.

What Is Required to Get a Credit Card for My Pet Spending?

Cards with cash back, spending rewards and other enticing offers usually require good to excellent credit. You should know where your credit stands before you apply for a credit card, as a hard inquiry into your credit can lower your score a few points. You can check your score for free on Credit.com before you apply to reduce the risk of a rejected application.

Image: bluecinema 

At publishing time, the Chase Freedom, Citi Simplicity and Blue Cash Preferred Card from American Express credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 5 Credit Cards That Take the Bite out of Pricey Pet Bills appeared first on Credit.com.

3 Credit Cards That Help Music Fans See the Coolest Shows

These cards can help you see shows from your favorite artists and earn rewards for everyday spending.

[Disclosure: Cards from our partners are mentioned below.]

Concerts let you experience your favorite musical artists with a community of like-minded fans in a live setting. Live music fanatics know the thrill of the concert experience, and they’re constantly watching to secure tickets for the best shows.

Whether you prefer bombastic arena events or intimate venues, you could benefit from a credit card that helps connect you with tickets. Some cards can help you hit shows from your favorite artists and earn rewards for everyday spending.

1. Citi ThankYou Preferred Card

Rewards: Two points per dollar spent on dining and entertainment, one point per dollar spent on everything else
Signup Bonus: 15,000 bonus points when you spend $1,000 in the first three months
Annual Fee: None
Annual Percentage Rate (APR): 0% intro APR for 12 months, then variable 14.24% to 24.24%
Why We Picked It: Dining and entertainment purchases earn double points, and cardholders get access to presale tickets and VIP concert packages.
Benefits: This card earns two points for every dollar spent on dining and entertainment, which includes live concerts, record store purchases and music streaming services. Other purchases earn one point per dollar. Points can be redeemed for dining, entertainment, retail goods and more. Plus, with Citi Private Pass, cardholders get access to tickets for thousands of annual events, including concert presales and VIP packages.
Drawbacks: If you tend to prefer cheaper shows and don’t dine out often, you won’t be taking full advantage of the double points. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

2. Chase Sapphire Preferred

Rewards: Two points per dollar spent on travel and dining, one point per dollar spent on everything else
Signup Bonus: 50,000 bonus points when you spend $4,000 in the first three months
Annual Fee: $0 the first year, then $95
APR: Variable 16.74% to 23.74%
Why We Picked It: Cardholders can get presale tickets and exclusive access to many live music events in New York City.
Benefits: Cardholders earn double points for every dollar spent on dining and travel and one point per dollar spent on everything else. Points can be redeemed in many ways, but the greatest value is reserved for travel redemptions made through Chase’s booking platform. Chase Inside Access grants VIP access and presales to exclusive events at venues including Madison Square Garden, Radio City Music Hall and the Beacon Theater.
Drawbacks: When it comes to concerts, Chase is primarily focused on New York City venues, so if you aren’t an NYC local (or reasonably nearby) you may want to look elsewhere. The card’s greatest value is also reserved for frequent travelers.

3. Amex EveryDay Credit Card from American Express

Rewards: Two points per dollar on up to $6,000 a year spent at U.S. supermarkets, one point per dollar spent on everything else
Signup Bonus: 10,000 bonus points when you spend $1,000 in the first three months
Annual Fee: None
APR: 0% intro APR for 12 months, then variable 13.74% to 23.74%
Why We Picked It: Redeeming points for concert tickets is simple with this card.
Benefits: Cardholders earn double points for U.S. supermarket purchases and one point on the dollar everywhere else. American Express customers often get access to presale tickets and special events when buying tickets through the Membership Experiences website. Plus, points can easily be redeemed directly with Ticketmaster for ticket purchases.
Drawbacks: The card’s points system is only valuable to those who spend a lot on groceries.

How to Choose a Card for Live Music

Credit cards for music lovers should reward cardholders as they spend and grant special access to tickets and events.

When evaluating cards for your live music habit, look at the purchase types that earn the most rewards. You’ll want to choose a card that incentivizes the type of purchases you already make.

You’ll also want to look at the types of events and tickets your card can help you access before you take the plunge and apply. The events should reflect your live music preferences. If they don’t, you probably won’t get much use out of them.

One last thing to keep in mind is that most “exclusive” ticket programs are available through all or many of the credit cards offered by the issuer. If the main appeal is access to these programs, look at all available cards from the issuer. Chances are, they’ll have a card that fits your lifestyle.

What Is Required to Get a Card for Concerts?

Cards that provide live music rewards often require good to excellent credit. You should be aware of where your credit stands before you apply. A hard inquiry from a credit card application can cause your credit score to dip a few points. If you aren’t sure where your credit stands, you can check two of your credit scores for free at Credit.com.

Image: PeopleImages 

At publishing time, the Citi ThankYou Preferred Card and Amex EveryDay credit card from American Express are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 3 Credit Cards That Help Music Fans See the Coolest Shows appeared first on Credit.com.

How to Plan a Fabulous Wedding on a Budget

Yes, you can have the fabulous wedding of your dreams while staying on budget.

[Disclosure: Cards from our partners are mentioned below.]

From the cake and dinner to your dress and flowers, there’s a lot to think about when planning a wedding, especially when you’re trying to establish a budget for the big day.

According to an annual study by The Knot, the average wedding cost more than $35,000 in 2016. To cover this expense, some people decide to take out a wedding loan, but if that isn’t for you, you may want to figure out what areas are most important to you and where you can cut back.

Trimming back on your wedding expenses certainly doesn’t mean your wedding will be less extravagant. In fact, you can have the fabulous wedding of your dreams all while staying on budget. Here are five areas you can easily adjust in order to help you save.

1. The Big Day

If you’re flexible on when you have your festivities, you may really be able to save a bundle.

“Saturday is the prime day for a wedding, and you pay for that,” shopping expert Trae Bodge said. “Instead, have a Friday or Sunday wedding, as venues are less in demand, and therefore less expensive, at these times.”

2. The Dress

The Knot study found that the average U.S. bride spent $1,564 on her wedding dress in 2016. If you can’t see spending this kind of money on a dress you’ll likely only wear once, you have some options to help you save.

“Consider buying your dress pre-worn — after all, it was only worn once — and/or selling your dress after the big day,” Bodge said. “Another option is, when you’re shopping, look not only at wedding dresses but general formal wear,” she said. “Once you take ‘bridal gown’ out of the equation, the price decreases.”

3. Food & Cocktails

If you want to provide drinks for your guests, but don’t want to have a full open bar, Bodge recommended you “opt for beer, wine and possibly a signature mixed drink, which will reduce your bar bill substantially.”

In terms of cutting back on costs for food, she recommended “placing appetizers on tables rather than having them passed” so you don’t have to hire a wait staff. And you may be able to save when it comes to selecting your menu. Bodge advised “serving cheeses, dips and veggies rather than meats or fish.”

4. Flowers

Instead of having a professional put together your flower arrangements, Bodge recommended tapping into your crafty side.

“Order seasonal flowers from your local florist and arrange them yourself,” she said. “It can be a fun project for you and your bridal party!”

5. Photos

You’ll certainly want to capture the moments you experience on your big day, so it’s a good idea to hire a photographer whom you trust to get it right.

“When it comes to negotiating a photography package, forgo the pricey prints and opt for CDs or Dropbox files with high-res images,” Bodge said. “This gives you the freedom to shop around for the best print prices on your own time.”

Get Rewarded for Your Big Day

It may seem counterintuitive, but you may be able to save some money on your expenses. You’re likely going to put some of these on a credit card, so you may as well get something back for it. One way to do this: reward credit cards.

If you don’t currently have a credit card that rewards you for your spending, it may be time to check out some of your options, which can include everything from cards that give you cash back to cards with travel perks that can help you fund your honeymoon.

For example, the Chase Sapphire Preferred credit card comes with a $95 annual fee but will reward you with 50,000 bonus points when you spend $4,000 in the first three months (which probably won’t be too hard with the down payments you’re making).

Those bonus points are equal to $625 when redeemed through Chase’s Ultimate Rewards travel portal. With that type of kickback, the bills for appetizers and cake won’t sting as much when you realize they’re helping you get to Tahiti.

At publishing time, the Chase Sapphire Preferred credit card is offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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The post How to Plan a Fabulous Wedding on a Budget appeared first on Credit.com.

3 Credit Cards for Bad Credit That Actually Offer Rewards

While most credit cards for people with bad credit don't have many perks, a few provide cash back or travel rewards.

[Disclosure: Cards from our partners are mentioned below.]

If you have bad credit, you may think you’re automatically unqualified for credit cards that offer cash back or travel rewards. For many cards, that may be true.

But you’re not necessarily locked out of earning rewards. While most credit cards for people with bad credit don’t have many perks, a few provide cash back or travel rewards. Here are three. (Note: You should always check with the card issuers for specific terms and conditions before applying for any card.)

1. Discover it Secured

Rewards: 2% cash back on up to $1,000 spent at restaurants and gas stations, 1% cash back on all other purchases
Signup Bonus: Discover matches the cash back you earn in the first year.
Annual Fee: None
Annual Percentage Rate (APR): Variable 23.74%
Why We Picked It: This secured card offers cash back on everything, with an extra incentive for dining and gas purchases.
Benefits: Secured credit cards require a security deposit equal to your credit line. For instance, a $300 deposit lands you a $300 limit on your card. Discover’s secured card offers 2% cash back at restaurants and gas stations and 1% cash back on everything else. Plus, they’ll match the cash back you earn your first year.
Drawbacks: You’ll need an upfront security deposit of at least $200 to access this card.

2. Credit One Bank Cash Back Rewards Visa

Rewards: 1% cash back on all eligible purchases
Signup Bonus: None
Annual Fee: $0 to $75 the first year, $0 to $99 after
APR: Variable 15.65% to 24.15%
Why We Picked It: This unsecured card provides 1% cash back on all eligible purchases.
Benefits: Credit One Bank’s cash-back cards earn 1% cash back on eligible purchases, which vary based on which of their five cash back cards you qualify for. Eligible purchases may include gas, groceries, utility bills and dining.
Drawbacks: Credit One isn’t transparent on how they determine which of their cash-back cards you’ll receive, and there’s a highly variable annual fee.

3. AeroMexico Visa Secured Card

Rewards: Two miles for every dollar spent on gas and groceries, one mile for every dollar spent on everything else
Signup Bonus: 5,000 bonus miles with your first purchase and a companion flight certificate
Annual Fee: $0 the first year, $25 after
APR: Variable 23.74%
Why We Picked It: Frequent AeroMexico flyers can earn miles toward their flights.
Benefits: This secured card earns two miles per dollar spent on gas and grocery purchases and one mile per dollar spent on other purchases. Points are redeemable for AeroMexico flights. New cardholders get a bonus of 5,000 miles and a round trip flight for a companion. There’s also an annual $99 companion certificate. All flights get a complimentary checked bag.
Drawbacks: If you prefer another airline, you won’t get much mileage out of this card.

How to Choose a Rewards Card for Bad Credit

Choosing a rewards card for bad credit depends on your financial circumstances. One of the most important reasons to get a card for bad credit is to rebuild your credit, so you’ll want to choose a card that can help you do that.

Pay attention to the fees and APR associated with any card you’re considering. While a security deposit for a secured card may seem like a steep upfront expense, it might be worth it if you can avoid higher fees later.

Choose a card that rewards your spending habits and provides incentives for the types of purchases you tend to make. And make sure you’re avoiding these seven red flags as you’re deciding on a credit card for bad credit.

What Is Required to Get a Rewards Card for Bad Credit?

Many credit cards for bad credit are available to consumers with a checkered or nonexistent credit history, but that doesn’t mean you’re guaranteed to qualify. Before you apply, you should know your credit score so you can have a better idea of what cards are right for you. You can check two of your credit scores for free with Credit.com.

Image: Astarot

At publishing time, the Discover it Secured and Credit One Cash Back Rewards Visa credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 3 Credit Cards for Bad Credit That Actually Offer Rewards appeared first on Credit.com.

Capital One Venture or Chase Freedom: Which Card Is Right for You?

The Capital One Venture Rewards card and Chase Freedom card have plenty of perks. Here's how they compare.

[Disclosure: Cards from our partners are mentioned below.]

Both the Capital One Venture Rewards card and the Chase Freedom card are major players in the rewards credit card space. They both offer cardholders value, but are also considerably different. The Capital One Venture card offers flexible rewards that can be used on travel, while the Chase Freedom card is primarily a cash-back card.

Comparing the Rewards Programs

When you sign up for the Chase Freedom card, you receive a $150 bonus after spending $500 in the first three months. You can also earn an additional $25 if you add an authorized user who makes a purchase within the same three-month period. Each quarter you can earn 5% cash back, on up to $1,500 within different rotating categories. One quarter the category could be gas stations and department stores while the next quarter it could be grocery stores and public transportation. All other purchases earn 1% back.

In contrast, you earn 40,000 miles after signing up and spending $3,000 in the first three months with the Capital One Venture Rewards card. You also receive an unlimited two miles per dollar on every purchase you make. There are no bonus categories to remember because you receive the same value on each purchase.

Redeeming Your Rewards

Redemptions can be done in a couple of ways when you have the Chase Freedom card. You can receive a statement credit or direct deposit into a checking or savings account. You can also use your rewards to shop on Amazon.com or to book travel through Chase Ultimate Rewards. You can also redeem rewards for gift cards. Another popular option is to transfer rewards into Chase Ultimate Reward points. This can only be done if you also have another card that earns Ultimate Reward points, like the Chase Sapphire Preferred, Sapphire Reserve or a business card like the Ink Preferred. Once you have Ultimate Reward points, these can be transferred to different loyalty partners like Hyatt, United Airlines, Southwest Airlines and more. (You can read more about redeeming Chase Ultimate Rewards points here.)

Redeeming your miles from the Capital One Venture Rewards card is simple. Each mile you earn is worth one cent. That means the signup bonus would have a value of $400. The miles you earn can be cashed out as a statement credit toward any travel expense making this a really simple, straight-forward system.

Additional Perks

Chase offers price protection, which will reimburse you if the price on an item you purchase decrease within 120 days. You also receive an extended warranty on your purchases from both cards.

Because the Capital One Venture Rewards card is a Visa Signature card, you also receive other benefits like car rental insurance, lost luggage reimbursement, and 24/7 concierge service both at home and when you are traveling. When you use your card to book hotel rooms, you can receive complimentary room upgrades and other hotel savings.

How the Fees Stack Up

One of the best parts of the Chase Freedom card is that you receive these rewards and benefits without paying an annual fee. The card also has an introductory 0% APR for 15 months on purchases and balance transfers. After the introductory period ends the rate changes to a variable 15.74% to 24.74%. If you plan on traveling outside of the United States, there will be a 3% foreign transaction fee.

With the Capital One Venture Rewards card, you will not pay an annual fee the first year. However, each subsequent year there will be a fee of $59. You also will not receive an introductory 0% APR period. The standard rate on purchases is a variable 13.74%, 18.74 or 23.74%, depending on creditworthiness. There are no foreign transaction fees.

Why You Might Choose the Chase Freedom Card

The Chase Freedom card has been one of the best cash-back cards for a long time. Earning up to 5% back is an attractive feature. Because there is some work involved, this card is perfect for anyone that doesn’t mind keeping track of bonus categories. Chase also requires cardholders to opt into the bonus categories each quarter, which means you need be proactive. However, if you are looking for a card that offers generous cash back and no annual fee, you can’t go wrong with the Chase Freedom card.

Why You Might Choose the Capital One Venture Rewards Card

Anyone looking for a travel rewards credit card, but doesn’t have the time or desire to keep track of spending within categories, will love the Capital One Venture Reward card. Not only will you earn a generous signup bonus, but you also earn flat rate rewards on every purchase. It can’t get much simpler. Though you will have an annual fee of $59 after the first year, the card is perfect for anyone who travels internationally because there are no foreign transaction fees.

Before You Apply …

Regardless of the card you choose, be sure to check your credit before applying. You may be rejected if your credit scores aren’t good enough for you to qualify. You can get two free credit scores and a credit snapshot at Credit.com to keep track of how you’re doing.

At publishing time, the Chase Freedom card and Capital One Venture Rewards card are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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The post Capital One Venture or Chase Freedom: Which Card Is Right for You? appeared first on Credit.com.

Outgrown a Student Credit Card? Here Are 5 Worthy Upgrades for New Grads

If you're graduating with some good credit, you might want to consider a plastic upgrade.

[Disclosure: Cards from our partners are mentioned below.]

Thanks to student credit cards, secured credit cards and a little something called “the authorized user,” plenty of college seniors will be graduating with some credit. And, if you’re one of them (you can check via your free credit report summary on Credit.com) you might want to consider a plastic upgrade.

Starter credit cards are great for building credit, but they don’t usually tout the best terms and even if there’s a $0 annual fee or base rewards program, that plastic likely carries a low credit limit — which might not help in case of an emergency or if you want to further boost your credit. (Remember, a low limit makes it harder to maintain a solid credit utilization rate — how much debt you’re carrying versus how much credit is available to you. For best scoring results, you’ll want to keep your charges below at least 30% and ideally 10% of your total credit limit.)

If you’ve outgrown your starter credit card, or think you’re about to, here are five credit cards worthy of your consideration.

1. Discover it — 18-Month Balance Transfer

Purchase APR: Variable 11.74% to 23.74%, depending on your credit

Annual Fee:  $0

Why You’ll Want to Consider it: Because the Discover it is a solid rewards credit card with some built-in training wheels. Cardholders get 6-months of 0% financing on purchases and a full 18-months 0% financing on balance transfers (the annual percentage rate after that will be a variable 11.74% to 23.74%, depending on your credit). There’s also no late fee for a first missed payment (which you should still avoid at all costs) and no penalty APR.

Plus, if you use your card right, you’ll earn some serious rewards. The Discover it offers 5% cash back on up to $1,500 in purchases in revolving bonus categories each quarter and 1% cash back everywhere else — plus, Discover will match all the cash back you earn at the end of your first year. And there’s an added bonus for new grads getting ready to move out of their parents’ house: Now through June, you can get 5% cash back on up to $1,500 in purchases at home improvement stores.

2. The Citi Double Cash Card

Purchase APR: Variable 14.24% to 24.24%, depending on your credit

Annual Fee: $0

Why You’ll Want to Consider it: Rewards credit cards can be tricky. Points, miles and cash back are nice, but they can easily entice someone to overspend. Charge more than you can pay off each month and any interest you pay on the balance will wind up eating those rewards — and then some. But here’s the thing about the Citi Double Cash Card: It rewards you for paying the bills. Cardholders earn 1% cash back on purchases, then another 1% back when they pay that purchase off. That means you can earn a full 2% cash back on every dollar you spend, which is pretty tops for a cash back credit card, especially since there’s no annual fee. There’s also a 0% introductory APR for balance transfers for your first 18 months. (You’ll pay a variable 14.24% to 24.24% after that.) (Full Disclosure: Citibank, as well as Discover, Capital One and Barclaycard advertise on Credit.com, but that results in no preferential editorial treatment.)

3. Capital One QuicksilverOne Cash Rewards Credit Card

Purchase APR: Variable 24.99%

Annual Fee: $39

Why You’ll Want to Consider it: Available to people with average credit, the QuicksilverOne is a solid alternative for any new grad who had a credit misstep (or two) while they were in school. Yes, you’ll pay an annual fee ($39) and its 24.99% APR will sting if you wind up carrying a balance (expert intel: avoid carrying a balance), but you’ll earn an unlimited 1.5% cash back on all your purchases. You’ll also have access to a higher credit limit after making your first monthly payments on time and receive a few ancillary benefits that’ll come in handy if you need to purchase some stuff for your first apartment. Those bennies include an extended warranty that doubles the original manufacturer warranty up to a maximum of 12 months on most purchases and price protection that reimburses you the difference in price on eligible items charged to the card if you find a lower price for the same item within 60 days of purchase (see card agreement for full details.)

Plus, if you use the card responsibly, you may be able to upgrade to the QuicksilverOne’s no-annual-fee big brother: the Capital One Quicksilver Cash Rewards Credit Card — which we’ve got a full review of right here.

4. Barclaycard Ring Card

Purchase APR: Variable 13.74%

Annual Fee: $0

Why You’ll Want to Consider it: If you’re worried about overspending for rewards, are looking for an in-case-of-emergency card or you need to make a big purchase soon that you might not be able to pay off right away, the no-frills, low-cost Barclaycard Ring Card will probably fit right into your wallet. There’s no annual fee, no foreign transaction fees and no balance transfer fee. Plus, the card comes with a 15-month 0% introductory APR on purchases and balance transfers made within 45 days of account opening — after which, you’ll pay a reasonable variable 13.74%. So, if you need to pick up a few necessities for your first apartment, this is the kind of card you’ll want to put those on. Not to mention the Barclaycard Ring lets cardholders drive: You’ll be invited to share your opinions and vote on product changes in Barclaycard Ring’s online community.

5. Citi Costco Anywhere Visa

Purchase APR: Variable 15.99%

Annual Fee: Technically $0, but you’ll need a Costco membership to apply — and that’ll cost you at least $55

Why You’ll Want to Consider it: Because the card offers big-time rewards on all the stuff you’ll be purchasing once you leave the nest. That includes 4% cash back on eligible gas for the first $7,000 per year (then 1%); 3% cash back on restaurants and eligible travel purchases; 2% cash back on Costco and Costco.com purchases and 1% cash back everywhere else. Plus, there’s a 7-month 0% introductory purchase APR (after that, your APR will be a variable 15.99%). Of course, only Costco fans should apply: While the rewards are plentiful, they’re issued as an annual credit card reward certificate on February billing statements and are redeemable for cash or merchandise at U.S. Costco stores.

Remember, no matter what credit card you choose, smart spending habits should apply. Sign up for alerts or set your bill to auto-pay so you never miss a payment, keep your balances low (or, ideally, pay them off in full) and avoid signing up for every credit card on the market that catches your eye — too many inquiries can damage your credit standing.

In the meantime, if you’re also looking for some new digs, we’ve got a rundown on the 19 mistakes college grads tend to make when looking for their first apartment that you’ll want to read. 

At publishing time, the Discover it, Citi Double Cash, Capital One Quicksilver One, Barclaycard Ring and Citi Costco Anywhere Visa cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment.

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The post Outgrown a Student Credit Card? Here Are 5 Worthy Upgrades for New Grads appeared first on Credit.com.

6 Hacks for Using the Citi ThankYou Points Program

Here's how to get the most out of your Citi rewards credit card points.

If you surveyed a group of people about credit cards, it’s likely they would say pretty much the same thing: Their favorite cards are part of a transferable points program. That’s because these cards tend to have the most flexibility when it comes to redeeming rewards. One of these programs is Citi ThankYou. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

Over the past several years, Citi has made several changes to the ThankYou program to help it keep up with Chase Ultimate Rewards and Amex Membership Rewards. Two of the most noticeable changes are the selection of credit cards that allow you to earn ThankYou points and the airline transfer partners. Let’s take a look at how you can hack your Citi ThankYou points for maximum value.

1. Transfer Points to Loyalty Partners

One area where the Citi ThankYou program has improved over the past couple of years is with the quality of transfer partners. Unless noted below all partners transfer at a 1:1 ratio.

  • Jetblue (1,000:500)
  • Cathay Pacific
  • Etihad
  • Eva Air
  • Air France/KLM
  • Garuda Indonesia
  • Malaysia Airlines
  • Quantas
  • Qatar Airways
  • Singapore Airlines
  • Thai Airways
  • Virgin Atlantic
  • Hilton (1,000:1,500)

While the list of partners continues to grow, not all of them are a good use of your points. To get the most value, you could redeem points for one of these rewards:

Continental U.S. to Hawaii on Singapore Airlines

From the United States, one of the best uses for Singapore Airlines miles is to fly to Hawaii. One-way flights in coach, business class, and first class cost 17,500, 30,000 and 40,000 miles, respectively. Compare this to United Airlines, which charges 22,500, 40,000 and 50,000 miles.

Air France/KLM Flying Blue Promo Awards

One of the best ways to use Flying Blue miles is to book their promo awards. Each month, they release new promo routes and you can save 20% to 50% off normal redemption rates.

Continental U.S. to Mexico on Air France/KLM Flying Blue

Flying Blue includes Mexico in the same flight region as the United States, which means flights cost only 12,500 miles each way in coach.

TransAtlantic in Singapore Suites

If you’re tired of always flying coach, you can splurge and spend 57,375 Singapore Krisflyer Miles to fly Singapore Suites from New York to Frankfurt, Germany. If you’d like to continue, you can go all the way to Singapore for a total of 93,500 miles. But be warned: Flying in coach might never be the same.

Use Etihad Guest Miles from New York to Brussels in Business Class

Most airlines are part of large alliances or have partner airlines. This is great for consumers because it opens up a lot of options when using your miles. If you know where to look, you can find a lot of value when flying. One of the best ways to fly to Europe is to use Etihad Guest miles to fly Brussels Airlines from New York to Brussels. Traveling round-trip in economy will cost you 21,972 miles and business class will be 36,620 miles. If you want a card that earns you direct airline miles, here are our picks for some of the best airline miles credit cards out there.

2. Book Travel on Citi Travel Center

Another way to use your ThankYou points is to book your travel through the Citi Travel Center. This is where the specific card you have will dictate the value you receive. If you have a Citi ThankYou Premier card you can redeem your points for 1.25 cents each. Through July 23, those with a Citi ThankYou Prestige card can redeem points on American Airlines for 1.6 cents each and on all other airlines for 1.33 cents. Afterward, redemptions are 1.33 cents on all airlines. For any card that is not Premier or Prestige, you can book travel at just 1 cent per point.

3. Redeem for Cash

You can redeem your points for cash, but this is a pretty weak valuation. You will only receive 0.5 cents per point, but…

4. Pay Your Mortgage or Student Loans

You’ll receive 1 cent of value when you use your points to pay off your mortgage or student loans.

5. Shopping With Points

Citi has partnered with several retailers, making it possible to shop with your points. However, values fluctuate from 0.6 cents to around 1 cent per point, so unless it’s necessary for you to redeem through shopping, there are better ways to redeem points.

6. Gift Cards

Finally, you can also redeem your points for gift cards for select retailers and restaurants. Most of the time you will be able to receive 1 cent per point with this method.

Earning Citi ThankYou Points

Earning Citi ThankYou points is fairly simple. You can use one of a few different Citi credit cards or have select Citi banking products.

Citi Prestige

When you sign up for the Citi Prestige card, you receive 40,000 ThankYou points after spending $4,000 in the first three months. Then, when you use your card for airfare or hotels, you receive 3 points per dollar. You will also receive 2 points per dollar spent at restaurants and on entertainment. Any other purchase made will earn 1 points per dollar. This card has a steep $450 annual fee, but you will receive several travel benefits, including a $250 air travel credit, which you can use for airfare, upgrades, baggage fees and more. You will also receive a $100 statement credit to cover the cost of either Global Entry or TSA Precheck. If that’s not enough, you also receive your fourth night free when booking hotels through Citi Prestige Concierge. Plus, you can travel in comfort knowing you have complimentary access to more than 900 Priority Pass Select airport lounges.

Keep in mind before signing up for this or any rewards card that your credit will need to be in very good shape to qualify. If you’re not sure where your credit stands you can get your two free credit scores, updated every 14 days, right here on Credit.com.

Citi ThankYou Premier

With the Citi ThankYou Premier card, you receive 30,000 ThankYou points after signing up and spending $3,000 in the first three months. You then earn 3 points per dollar spent on travel expenses, which includes gas. Plus, you can earn 2x points when you use your card at restaurants and on entertainment. All other purchases will earn 1x points. There is a $95 annual fee, which is waived for the first year.

Citi ThankYou Preferred

If you prefer a card with no annual fee, then the Citi ThankYou Preferred card might be the best fit. You will earn 15,000 ThankYou points after signing up and spending $1,000 in the first three months. When you use this card at restaurants and on entertainment, you receive 2x points. All other purchases earn 1x points. This card also has an introductory 0% APR on purchases and balance transfers.

Citi ThankYou Preferred Card for College Students

If you’re a college student you can also earn ThankYou points with the Citi ThankYou Preferred card for College Students. With this card, you will earn 2,500 ThankYou points after spending $500 within the first three months. When you use your card at restaurants and on entertainment, you receive 2x points. All other purchases receive 1x points. After signing up for this card you receive an introductory 0% APR for the first seven months on purchases. There is no annual fee to carry this card.

Citi Banking Accounts

While you won’t be able to earn a huge number of points through this method, you can take advantage of the banking relationships you have with Citi. Depending on the product, you could earn up to 19,200 points per year.

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At publishing time, the Citi Prestige, Citi ThankYou Premier, Citi ThankYou Preferred and Citi ThankYou Preferred for College Students cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

 

 

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