One of the less frequently publicized benefits to cards offered by Bank of America is their “Museums on Us” program. On the first full weekend of each month, cardholders are allowed free entrance to certain museums around the country. A full list of eligible cards as well as participating museums can be found on the Bank of America website.
An important restriction is that this admittance is limited to the cardholder alone – any guests will have to pay. Additionally, special events and ticketed shows are also excluded from this feature.
It’s hard to argue with free, though, so if you are in the area it is definitely worth taking advantage of! If you would rather see a full list of all participating museums, you can find that here. Note that the Smithsonian museums are not included, but are free for entry, so double-check to be safe!
If you are a work traveler, can book hotels directly, and use your own credit card, the Citi Prestige is a no-brainier. This card is one of the top-tier cards offered today (along with the Platinum Card from American Express, and the soon-to-be-released Sapphire Reserve from Chase). Though it comes with a hefty price-tag by way of a $450 annual fee, it has a staggering number of benefits.
In addition to the $250 annual airfare credit bundled with the card, one of the most advertised benefits of the card is receiving a free night for every booking of four or more nights. There is no limit to the number of times you use this benefit, so you can easily make your money back many times over. This is particularly beneficial when your work reimburses you for any travel you have to do.
To take advantage of this benefit, you just have to call the Citi Prestige Concierge at (561)-922-0158 and tell them that you would like to use the fourth night benefit for your card. They will walk you through the process of identifying where you would like to stay, any special rates (AAA, AARP, government, or corporate booking code), and your frequent guest information (Hilton HHonors, Marriott Rewards, etc.). They will then make the booking and send you an email detailing how much the entire stay will cost and how much you will be reimbursed. This is key as you will be paying for the full stay and then Citi pays you back the cost of the fourth night including taxes, but not resort fees. Per, TheFrequentMiler, conference rates aren’t bookable this way, but most others are. Be sure to check online through various booking systems (directly to the hotel, sites like Kayak, and others) before calling so you have a general idea of what to expect.
Even though this benefit will be changing over the coming months, so the credit from Citi will be for an average of the four nights instead of the price of the fourth night, the value offered by it easily out-weighs the $450 annual fee.
If you are interested in applying for this card, you can find it on the Citi website[not an affiliate link] with a 40,000 bonus point offer for completing a $4,000 spend in 3 months. I would strongly advise you checking a local Citi branch, however, as there have been reports of local bankers providing the old offer of 50,000 bonus points for completing a spend of $3,000 in the same period of time.
With the different classes of credit cards offered by Visa and MasterCard, it can be difficult to keep track of what perks are associated with which. Add to the confusion the introduction of a new tier, Visa Infinite, and it can get a little crazy.
Visa
Visa Traditional
At the lowest level, cards simply identified as Visa offer very few inherent benefits. That said, card issuers are known to offer quite a few that can be identified in the benefits agreement that is sent to cardholders. All users, however, will be guaranteed the following:
Secondary Auto Rental Collision Damage Waiver
Emergency Card Replacement and Emergency Cash
Lost and Stolen Card Reporting
Zero Liability
Visa Signature
The middle tier, Signature, has all the benefits of the traditional Visa with quite a few travel perks.
Visa Signature cards also start with a $5000 minimum credit limit, and card issuers are known to bundle quite a few perks with these cards. Chase, in particular, has the Sapphire Preferred[affiliate link] as well as a variety of hotel and airline cards (United, Hyatt, Marriott, and British Airways) that are all in the Visa family.
Visa Infinite
The Visa Infinite level was previously only offered outside of the United States, but recently there have been two cards that fall into this category with a third on the way. Of the three, two are issued by Chase (noticing a pattern?). The remaining card is issued by Crystal National Bank. In all cases, the cards come with a fairly steep annual fee – upwards of $400.
As with the Visa Signature and Visa Traditional cards, the Visa Infinite will carry with it all benefits from lower tiers. Both issuing companies offer, TSA PreCheck/Global Entry reimbursement every five years, and travel credits of varying degrees.
The biggest perk offered is the Visa Infinite family is that domestic, coach airfare for two to five people will receive a $100 discount. That is – each time the card is used to purchase more than one ticket (where the cardholder is traveling), you receive a discount of $100. There is no limit to the number of times you can use this, and you can be upgraded after the tickets are purhcased from what I have been able to discern. DoctorOfCredit has a helpful breakdown of this feature.
In the same vein, the biggest disappointment is that the brand new card from Chase, the Sapphire Reserve, will not have this benefit.
MasterCard
Traditional MasterCard
As with the traditional Visa, the traditional MasterCard offers the fewest benefits of the MasterCard family. Many of the benefits of this tier are similar to those offered by Visa. Some of the main points can be found below. A full list can be found at MasterCard’s website.
Keeping with the relationship of Visa Signature to Visa traditional, the World MasterCard carries with it all the benefits offered by the traditional MasterCard level.
Just like the Visa Signature, the World MasterCard offers a concierge service and a variety of travel related perks. Interestingly, World MasterCards can be issued with quite low credit limits – sometimes as low as $1000.
MasterCard Travel Offers
MasterCard Airport Concierge
World Air Program
World Cruise Program
World Tours and Vacations Program
World Elite MasterCard
The World Elite MasterCard is the luxury level offering in the MasterCard card line. It comes with premium concierge service and a variety of travel benefits. A full list with details can be found on the MasterCard website.
MasterCard Luxury Hotels & Resorts
MasterCard Airport Concierge
Personal Travel Advisor
World Elite Air Program
World Elite Private Jet Program
World Elite Cruise Program
World Elite Car Rental Program
World Elite Tours and Vacations Program
Trip Cancellation Insurance
As with the World MasterCard, there is no credit limit requirement, unlike the cards offered by Visa. Similarly, not all World Elite MasterCards come with high annual fees. The Arrival+ card offered by BarclayCard clocks in at $89, for example, while higher tier cards such as the Citi Prestige have a fee that reflects it.
Affiliate Link Note: If you use my link to SkyRoam, you’ll get $20 off your purchase (to buy, not rent), and I’ll get a few free days! You certainly don’t have to… but I wouldn’t object!
A few days ago, I posted that I was purchasing a SkyRoam [Affiliate Link] hotspot. It came in on Friday and I thought I would share the unboxing!
The packaging itself
The hotspot arrived in neat looking packaging – very compact as you would expect. Contained within the package was the battery – rated at providing roughly 8 hours of use before recharging is necessary, the charging cable – standard MicroUSB, and the hotspot itself.
Update:Georgia Power has elaborated on the problem and explained that it was equipment failure at Delta that caused the outage. Additionally, Delta has expanded their travel waiver to cover Tuesday travelers as well as those affected on Monday, though travel still needs to take place by Friday. Finally, a correction regarding the American Express Platinum protection – this protection is an added purchase, while it is complimentary with the Citi Prestige and Chase Sapphire Preferred.
Update 2: Delta is extending their waiver another day as there were more cancellations today, and more are expected for tomorrow.
As many of you are aware by now, a power outage in Atlanta resulted in Delta going dark this morning. Starting at 2:38 AM, the outage lasted for 6 hours and affected everything from displays at airports to mobile apps and the check-in kiosks. Thankfully they are issuing free travel change waivers for those affected today.
René, of RenesPoints on BoardingArea, has a helpful post outlining how to handle a situation like this. The most important things to do are to remain calm and polite when working with customer service representatives. They’ve been dealing with this problem since customers started to get affected by it this morning, and they likely won’t be done cleaning things up for a few days.
Make use of the travel change waiver, if your plans are somewhat flexible, and read up on your credit card’s travel interruption protection coverage! Some cards, like the Chase Sapphire Preferred, American Express Platinum, and Citi Prestige, will cover purchases for food, hotel stays, and other essentials for delays exceeding certain periods. With the Citi Prestige, for example, any delay over 3 hours qualifies. The Chase Sapphire Preferred[affiliate link] requires a longer period: 12 hours. The Platinum card from American Express[affiliate link] is in the middle at 4 hours. Links to the documentation for these cards can be found below, and a full list of cards that cover such expenses can be found at MileCards.
Remember – stay safe and don’t panic if your flight is cancelled; Delta will make sure you get to your destination! It never hurts to send them a tweet (@Delta), but again remember that there is a person behind that screen, and they’re doing whatever they can to help everyone affected.
I have been an American Express customer for quite a few years, now. They are the card we were given to use for work, and since then I have been a huge fan of their pro-active customer support.
As with my recent post for Chase, the links in this post areaffiliate links, and I will get credit from American Express if you use them, so thank you in advance if you do! That said, if you find a better link (directly from American Express, or otherwise), please use it instead.
For those of you in the market for a new credit card, American Express (AmEx) offers two that are particularly attractive for travelers as well as every-day use: the Platinum Card, Starwood Preferred Guest (SPG) Card, and the EveryDay Card. While the Platinum Card and SPG Card do not have any foreign exchange fees, the EveryDay card does carry fees of 2.7%.
Both the Platinum card and the EveryDay card earn Membership Rewards points – AmEx’s rewards currency, similar to Chase’s Ultimate Rewards points, while the SPG Card earns points directly with Starwood. This is an important distinction because it affects where your points can be transferred!
One last point before I go further… the Platinum card, below, is a charge card, not a credit card. This means that the balance is expected to be paid in full with every bill, but does not have a traditional credit limit. Different credit reporting agencies handle this differently, and it can sometimes be misrepresented as you are increasing the spend without increasing the available credit. As with all cards, credit or charge, be responsible with the use!
All cards here offer enrollment in a program known as ShopRunner, which offers free 2-day shipping from many retailers – Neiman Marcus, NewEgg, Lucky Jeans, and so on. They also offer access to AmEx Offers, which are allow for redemption upon activation on the card – simply use the card and get a credit back!
Though this card is not for everyone with a $450 annual fee and mediocre earnings rate of membership points (1 point per dollar), the Platinum charge card offers quite a few perks! If you are a frequent Delta flyer, for example, but not often enough to reach Diamond Medallion Status, the Platinum card will grant you entry to any Delta SkyClub while traveling on Delta. It also offers access to the exclusive Centurion Lounges.
I had the opportunity to visit the Centurion Studio in Seattle a few weeks ago and was quite impressed, even with the limited options of it being smaller than the full-sized lounges at other airports.
Centurion Studio EntranceBeer & Wine List
In addition to access to these two lounge families, you also receive access to the Priority Pass Select program, which partners with airport lounges around the world. This includes such lounges as The Club, which can be found in ATL’s international concourse and offers Glenlivet 12 year complimentary! While access to you is covered by the agreement between AmEx and both Delta and Priority Pass, guests are extra.
The Platinum card also offers access to the Boingo wireless service offered at most airports. This is the worldwide coverage plan, so as long as the airport is partnered with Boingo, you are set. Furthermore, if you use your Platinum card to pay for either your TSA Pre-Check or Global Entry application, AmEx will reimburse you for the fee — once every five years.
Though the card has a $450 annual fee attached, you are given a $200 airline credit. Though this cannot (officially) be used for tickets, there are ways to turn that credit into cash. Some Google-fu will reveal everything! 😉 Keep in mind that the annual fee is by membership year, while the credit is by calendar year. This means that you can get up to $400 back depending on when you apply for the card! Unlike the SPG card, below, the annual fee for the Platinum card is not waived for the first year.
This application link is good for an offer of 40,000 Membership Rewards points if you meet the minimum spend of $3,000 in the first three months of membership. There are often private invitations to offers of 100,000 Membership Rewards points, so it never hurts to check the AmEx site directly!
The link above offers a chance to earn 25,000 Starpoints after meeting the minimum spend of $3,000 in the first three months. Starpoints are among the most valuable of transferable currencies because they a) can be transferred to programs that you would otherwise have to earn directly with, and b) receive a 5,000 point bonus if you transfer only 20,000 points at a time. The annual fee for this card is $95, but it is waived for the first year
The SPG card from AmEx offers earnings of 4 or 5 points per dollar spent at Starwood family hotels, depending on your status with SPG, and 1 point per dollar otherwise. Note that you are gifted Gold SPG status if you have the Platinum card, so you are guaranteed 5 points per dollar right out of the gate!
As with the Platinum card, the SPG card offers complimentary enrollment in the Boingo program, which can save quite a few dollars – and headaches! You also get similar purchase and return protection, which is also good news for savvy shoppers.
The link above offers a chance to earn 10,000 Membership Rewards points if you meet the minimum spend requirement of $1000 in three months. In addition to the 1 point per dollar in general spending you earn, you also receive 2 points per dollars for the first $6000 spent per year at grocery stores. On top of that, if you make more than 20 transactions per month, your earnings for the month increase by 20%!
This card is an excellent daily-use card, and while it isn’t the most lucrative for points generation (look at the EveryDay Preferred for that!), as long as you have a Membership Rewards card in good standing, your points stay alive. Combined with no annual fee, access to ShopRunner, and AmEx Offers, this is a solid entry-level card to begin building a relationship with AmEx.
For those of you in the market for a new credit card, Chase offers two that are particularly attractive for travelers: the Chase Sapphire Preferred (CSP), and the Chase Freedom. There is going to be a new member of the Sapphire family known as the Sapphire Reserve, but it won’t be available until later this month.
The links in this post areaffiliate links, and I will get credit from Chase if you use them, so thank you in advance if you do! That said, if you find a better link (directly from Chase, or otherwise), please use it instead.
One word regarding foreign transaction fees before we get started — the CSP does not have any (so you pay the converted rate, per Visa standards), but the Freedom does have a fee of 3%. Be careful what you use, where!
Currently, you can receive 50,000 Ultimate Rewards Points with Chase by meeting the minimum spend requirement of $4,000 within a 3 month period. While these points can be used towards travel at 1.25 cents / point, you can also transfer them to various frequent traveler programs (such as KLM/Air France, United, Hyatt, and so on) at a 1:1 ratio. A full list of travel partners can be found over at The Well Traveled Mile.
The CSP offers quite a few perks that other bloggers extol, but my favorites are the Primary Rental Insurance (CDW), guaranteed access to a human representative (24/7), and great trip and product protection. In addition to the 50,000 point bonus for completing the minimum spending requirement, you will earn 2 points per dollar on almost all travel purchases (air, train, taxi, dining out, etc.), and 1 point per dollar on other spending. The downside is that this credit card does have an annual fee of $95, but it is waived the first year so you can see if it is a good fit for you.
In addition to the perks offered by Chase, as a Visa Signature card, you get quite a few treats from Visa directly. A full list can be found on Visa’s website, but some of the nicer ones include: a 24/7 concierge, deals on winetastings in California, and access to the Signature Hotel Collection – similar to American Express’s Fine Hotels and Resorts.
The Chase Freedom is an interesting card in that while it advertises itself as a cash back card, if you have either a CSP or Chase Ink Plus, you can use them in their “native” form of Ultimate Rewards Points. This offers a lot more versatility as you can get more than the 1 cent per point that you would get with the Freedom alone. The link above offers $150 cashback after meeting the minimum spend of $500 within 3 months, but that is stored in your account as 15,000 Ultimate Rewards Points. There are occasionally offers of $200 cashback (20,000 Ultimate Rewards Points) available, however.
Similar to the Discover family of cards, the Freedom is built around rotating 5% earning categories with 1% earning otherwise. This is particularly nice as Amazon has been available as a category for both last year and this year, and gift cards count! Adding to the perks – this card has no annual fee, so keeping it around will strengthen your credit score over time.
