The App is your key to finding special offers and discounts at restaurants at select locations in the U.S. and Canada.
Most of the restaurants included to date are fancy steak houses or expensive French bistros, but there are also Japanese, Mediterranean, and Middle Eastern offerings.
MasterCard Concierge App
The typical offer is for a free glass of sparkling wine or a free dessert to accompany your meal.
You’re not going to get rich off these offers.
But the Concierge app may come in handy some day if you find yourself headed to a participating restaurant in a big city like Miami, Los Angeles, New York, Washington DC, Chicago, San Francisco, Montreal, or Las Vegas.
You must call or email the MasterCard Concierge to access the offers.
Credit Cards Eligible for the MasterCard Concierge Program
Examples of cards that may be eligible include the Barclaycard Arrival and Arrival Plus, as well as the The US Airways® Premier World MasterCard® and the The Hawaiian Airlines® World Elite MasterCard®.
The US Airways® Premier World MasterCard® is currently offering 40,000 bonus miles after your first purchase and payment of the $89 annual fee.
This is a pretty good deal for accruing U.S. Airways Dividend Miles, because there is no minimum spend requirement to worry about. 40,000 Dividend Miles could come in handy with the American/USAir merger underway, and the upcoming merger of their frequent flyer programs. I got this card for that very reason.
The Hawaiian Airlines® World Elite MasterCard®offers 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days.
TD Bank Cash Rewards Credit Card – $200 cash back and no annual fee
Travel rewards credit cards are great, but a card that pays five percent cash back on some of the biggest expense categories in my budget is hard to beat!
As a TD Bank customer, I received an offer in the mail for the new TD Cash Rewards credit card.
The offer for this no annual fee card was for $200 cash back after spending $500 within ninety days of opening the account.
The publicly available offer is for a $100 statement credit after spending $500.
The card normally pays 1x points on all purchases, but for the first six billing cycles, TD Bank is offering 5x points for these categories of spending:
Utilities, including: water, electric, landline, cell phone, and cable
I’ll cut to the chase. If you ever miss a credit card payment and are socked with big fees and interest charges, you can call the bank and ask them to waive the fees and charges.
Don’t make a habit of this. But if it is a rare occurrence, and a genuine mistake, the bank may forgive your lapse.
If You Miss a Payment, Call the Bank
This month, my husband was set to pay his Chase United Mileage Plus card via an electronic payment. He had scheduled the payment, but failed to “verify the details.”
As a result, he missed the payment deadline, and was socked with a $25 late payment fee and over $32 in interest charges.
The statement warned that if he was late on another payment, they could charge him a $35 late fee and an interest rate of 29.99 percent. What’s more, a lapse like this could adversely impact his credit score.
In this case, he called the bank and offered to pay the bill in full immediately, The customer service rep said they would remove all the fees and interest charges, and that they would not report anything to the credit bureaus. Phew!
If you are prone to this kind of error, the points and miles game is not for you. You will end up paying more in fees than you earn in rewards.
To be frank, I have also made this mistake. Last summer, when we were traveling, a bill came due and I missed the payment deadline. Since it was a one-time mistake, the bank graciously waived my excess fees.
Just remember, most everything in life is negotiable, especially when dealing with banks.
Have you made a similar mistake? What was your outcome?
Click here to compare current rewards credit card offers.
There is a rewards credit card flying under the radar that pays 5% cash back on gas, 3% cash back on all travel, and dining out, and 1% cash back on everything else.
Can you guess which card this is?
Here’s a hint:
it is a no annual fee card;
it requires you to be a member;
membership is open to everyone but costs $45.
This Card Pays Higher Cash Back on Travel Than Better Known Rewards Credit Cards
No, it is not the PenFed Premium Travel Rewards American Express Card. The PenFed card earns 5x points on airline tickets, and 1x point on other purchases. It offers a signup bonus of $200 after spending $2500 in the first three months and has no annual fee.
No, it is not the Barclaycard Arrival™ World MasterCard® which pays 2x points on restaurant meals and all travel expenses, and redeposits 10 percent of redeemed miles back into your account. The Barclaycard Arrival™ World MasterCard® card offers 20,000 points after spending $1,000 in the first 90 days and has no annual fee.
No, it is not the Chase Sapphire card which pays 2x points on dining, 1x points on other penes, and an extra point on hotels and air fares booked via Chase Ultimate Rewards. The Sapphire card offers 10,000 points after spending $500 in the first 3 months and has no annual fee.
Meet the Sam’s Club 5:3:1 Cash Back MasterCard
Sam’s Club 5:3:1 Cash Back MasterCard
The Sam’s Club 5:3:1 MasterCard pays 5x points on gas purchases, 3x points on all travel, 3x points on restaurants, and 1x points on other purchases.
I don’t know of no other no annual fee rewards credit card that pays 3 percent cash back on restaurants, hotels, rental cars, airline tickets, train tickets, buses, cruises, tours, and timeshares! (If you have any contenders, please share in the comments.)
Some cards pay bonus points on car rental and hotels, others on restaurants or air tickets. But the general travel rewards credit cards like the Chase Sapphire or the Barclaycard Arrival™ World MasterCard® pay 2 or 2.2 percent respectively on travel and dining.
The Sam’s Club credit card comes with the latest chip technology for added security. The card will be PIN enabled, meaning it can be used in situations such as overseas train stations where a PIN is required.
If you apply by August 31, 2014, and you will earn a $20 statement credit after spending $50.
There is no annual fee for the card, but membership in Sam’s Club is required, and membership costs $45.
There is a maximum of $5,000 in cash back rewards during any “reward period” which is a calendar year. You’d have to be a real big spender to exceed that cap!
Sam’s Club 5:3:1 Cash Back MasterCard
Here are some specifics:
5 percent cash back on fuel at gas stations (for the first $6,000 spent on fuel each calendar year). That’s good at all gas stations in the U.S. (except gas stations run by other warehouse clubs and super centers.) After the first $6,000 in fuel spending each year, you earn 1 percent back.
3 percent cash back on restaurants worldwide (including fast food, bars, and catering, but excluding purchases at other warehouse clubs).
3 percent cash back on all travel. Travel includes: rental cars; airlines; hotels; passenger rail; bus lines; cruise lines; time shares; travel agencies (although not those offered by other warehouse clubs); travel sites; and tour operators.
I love to read those silly What’s in My Wallet blog posts. I guess it’s because before I got into points and miles, I would not have believed that you could open an insane number of rewards credit cards without ruining your credit.
It does raise some questions, though:
How could the banks keep extending you credit?
How many times can you earn big bonuses?
How do you remember which card to use for which purchases?
How could you possibly keep track of all those credit cards without missing a payment?
15 is My Limit on Schnitzengruben, I mean Credit Cards
I recently counted 14 credit cards in my wallet from five different banks. That is crazy! I don’t recommend that for anyone.
Miss a single payment and you will be socked with a $35 fee and a major ding to your credit score.
With fourteen active credit card accounts, it is taking too much of my time to track expenses and pay the bills. Let’s face it; my office is cluttered and my wallet barely closes.
I am looking to thin out my collection.
Rewards Credit Cards Aren’t for Everyone
Travel rewards credit cards aren’t for everybody.
First off, you need to have a stellar credit score to be eligible for the best offers.
Most people prefer to carry only one or two cards, to simplify things and minimize the hassle. There is merit to this approach, particularly if you are disorganized and don’t keep current with paying your bills.
A perfectly reasonable strategy is to earn free travel is to focus on one airline or one type of flexible rewards such as Chase Ultimate Rewards points or cash back travel cards like the Capitol One Venture Card, or the Barclaycard Arrival Plus™ World Elite MasterCard®.
But if you have a credit score in the excellent range, and you pay your bills on time and in full every month, rewards credit cards can be incredibly lucrative.
Once you have experienced the large bonus offers for opening a new credit card, which can be worth $500 or more, it is easy to get sucked into to opening more and more accounts to earn free travel.
Know Your Credit Score
Barclay’s Offers Free Access to Your Transunion Credit Score
From personal experience, I have watched my credit score progressively improve the further along I got in this game. Barclay’s bank offers its credit card customers free access to their official FICO credit score once every three months.
My most recent FICO score is 837, with 14 open accounts, and five additional credit card accounts that I have closed in the past year or so.
That is because my credit line has increased dramatically with all these cards, and my monthly spending is just a small fraction of the available credit.
The banks appear willing to extend me credit well beyond my annual income. Be careful. Like with the mortgage crisis, a lot of people get in debt over their heads from credit cards and can’t make the payments, or end up paying exorbitant amounts of interest, at rate as high as 28 percent annually.
This much is clear: the banks are making plenty of money, but probably not from people like me.
Starting Out with Rewards Credit Cards: The Chase Freedom Card
When I started my environmental consulting business 15 years ago, I opened the Chase Freedom credit card in order to keep my business expenses separate from my personal expenses. Chase Freedom is a personal, not a business credit card but I was using it for business purposes. It carries no annual fee, and earns 5x rewards on select categories of spending. This is a card that I would highly recommend for someone just starting out. The points can be taken as cash back on your next statement, or used as Ultimate Rewards Points. Ultimate Rewards Points are quite flexible and can be transferred to many airline and hotel loyalty programs but you need to have one of the premium credit cards from Chase to enable transfers.
If you are just starting out with travel hacking, the Chase Freedom card is a great place to begin because you can earn cash back or travel rewards, depending on your needs. Because the card has no annual fee, you can keep it forever, thus increasing the length of your credit history over time. This card earns 1x points on all purchases, and 5x points on select categories, that vary each quarter on up to $1500 of purchases per quarter. Generally, the 5x points is good for gas purchases for six months of the year. This spring, the card offered 5x points on restaurants, and sometimes you can get 5x points on Amazon.com, Lowes, or Kohls.
Right now, Chase is offering a $100 bonus for new applications, but I have seen this bonus go as high as $200 after spending $500 on initial purchases within three months. From time to time there is an extra $25 incentive for adding an authorized user to your account. There are cards with bigger bonuses but they usually entail annual fees and larger initial spending requirements.
Pick a Card, Any Card!
Whenever I show anyone what credit cards are in my real wallet, they look at me like I am crazy. I often get looks as I fumble through my wallet looking for the card that earns bonus points at this store or that.
Because I run a small business, I am eligible to apply for business credit cards. This allow me to “double dip” on account bonuses. I travel for both business and personal reasons and must keep my expenses separate for tax purposes. I caution you that business cards can only be used for genuine business expenses and they lack some of the consumer protections of personal credit cards.
What’s in My Wallet?
Here’s a quick rundown of what is in my wallet and why, and which cards are candidates for culling.
Chase Rewards Credit Cards
Quicken Rewards,personal (authorized user): The credit card I’ve had the longest is the Quicken Card issued by Chase Bank. We opened this card over 15 years ago because at the time, it was the one of the few cards that allowed you to download your statements into the Quicken personal accounting software. The Quicken Rewards card pays cash back rewards and carries no annual fee. This cash back card pays 2x drugstores, restaurants, and office supply stores, and 1x points on other purchases. Redemptions for airline tickets can be worth up to 1.25 cents per point, but only if you redeem at the top of a price bracket, e.g. a $500 ticket for 40,000 points. This is a keeper.
Freedom,personal:I love the Chase Freedom card because I can earn 5x points on practical things like gas and restaurants and there is no annual fee. It is a keeper because it pads my Ultimate Rewards point balance, and contributes to the length of my credit history, which is a factor that improves my credit score.
Ink Plus,business: The Chase Ink Plus is my primary business credit card. When I opened the card, I earned 50K Ultimate Rewards points after spending $5,000 in 3 months. This card pays 5x points at office supply stores and on telecommunications and 2 points on gas stations and hotels. The points easily transfer to Amtrak, Southwest Airlines, and United — three of my preferred carriers. Chase offered me a fabulous retention offer which I declined, but I plan to keep the card open.
Ink Bold,business: This is a charge card, not a credit card. The differences is that balances must be paid off every month. I opened this card for my blog business in June 2014 when there was a special bonus offer of 60,000 Ultimate Rewards points after spending $5,000 in three months. This card has a $95 annual fee which is waived the first year. This card has the same bonus categories as the Ink Plus. The usual bonus is 50K points.
Southwest Rapid Rewards,business:I opened the Southwest Rapid Rewards card for the 50,000 mile bonus. That is an offer that rolls around every couple of months. Southwest claims that you can get two roundtrip flights for 50K miles, and that has been my experience. The Southwest Rapid Rewards card has a $69 annual fee that is not waived the first year. You get 3,000 bonus miles every subsequent year. Last year, I was offered an additional 3,000 points as a retention bonus, and this year I received this offer again! I highly recommend the Southwest Rapid Rewards card for budget domestic travelers because of the excellent availability of award tickets on Southwest Airlines.
United Mileage Plus Explorer,personal (authorized user): This is my husband’s card. He opened it because there was a targeted offer for 50,000 miles. The card carries an annual fee of $95 which is waived the first year. When the fee came due, he was offered a retention bonus of 15,000 miles which offset the annual fee, and then some.
Barclays Reward Credit Cards
Barclaycard Arrival™ World MasterCard®, personal: I have the no annual fee version of the Barclaycard Arrival. I opened it because of a targeted offer for 40,000 bonus miles and the ongoing benefits including 2x points on restaurant and travel spending. You get a ten percent rebate on your travel redemptions, so this card effectively pays 2.2 percent cash back. I love the access to my free credit score and the free TripIt Pro subscription. The card now pays a bonus of 20,000 miles for new applicants. This is another keeper.
The US Airways® Premier World MasterCard®, personal:I opened this card because it offered me 35,000 miles after making a single purchase. There is an $89 annual fee which is waived the first year. My version of the card awarded 10,000 bonus miles on your anniversary. It has a number of additional benefits such as one free checked bag for up to four family members, a free lounge pass, and 5,000 fewer miles needed for reward tickets. With this card, you can get 2 companion passes for $99 each, but there are lots of strings attached. I just received the 10,000 mile annual bonus. I called to cancel the card because I did not want to pay the annual fee. This card currently pays a 40,000 mile bonus after the first purchase, but does not offer the annual 10,000 bonus points. It has an $89 annual fee which is waived the first year.
US Airways Dividend Miles,business:I opened this card by “accident.” I had applied for a different version of the US Airways card, but was informed that that it was not possible to have two different personal cards. I was able to switch my application to this business card, and earn 25,000 Dividend Miles upon the first purchase. The annual fee of $89 is waived the first year.
I’ve been married almost 20 years but my husband never fails to surprise me.
Today we were coming home from the 4th of July picnic at my Mom’s nursing home when he mentioned something about a Kohl’s charge card.
You have got to be kidding! Store-branded credit cards are almost always a bad idea:
the rewards are limited to the store at hand
the opening bonus is insubstantial
you are taking a hit on your credit score for a very limited benefit
If you have a good to excellent credit score, and you pay your bills on time and in full every month, there are far better offers out there.
This is the same guy that has been refusing for months to consider applying for a travel rewards credit card — one that would provide a sign-up bonus worth hundreds of dollars and put us not the path to our next vacation.
Travel Rewards Credit Cards and the Noncompliant Spouse
Honey, you shrunk the credit card bonus.
Okay, so this is my hobby, not my his. After 20 years, I’ve learned to live and let live.
But lordy, lordy, a Kohl’s charge card?
There are a million and one better options that provide flexible rewards that can be redeemed for travel.
My husband is an independent thinker who has his own opinions about things. He has told me he didn’t want to keep track of another credit card and that is that.
The Six Worst Reasons, Ever, to Open a Kohl’s Charge Card
Here are the reasons my husband offered for opening the Kohl’s Charge Card.
the 20 percent discount on that day’s purchase
a 15 percent discount for a future purchase
cardholders get special coupons
he shops at Kohl’s four or five times a year
the card is a nice color
the checkout girl was cute
Do the Math, Folks
We probably spend $500 to $600 per year at Kohl’s, if that. Generously assuming a 20 percent discount on all purchases, we would be saving $120 per year at most.
Contrast that with the $400 bonus and cash back savings on the Barclaycard Arrival Plus™ World Elite MasterCard®. This card pays 2x points on all purchases!
Plus you get 10 percent of your redemptions credited back to your account.
Say we charge $10,000 of purchases in a year. That would be $200 cash back when redeemed for travel expenses.
So, in the first year, when the annual fee is waived, we’re looking at $400 plus $200, plus $60 for a total $660 in rewards toward travel expenses. You can read my full review of the pros and cons of the Barclaycard Arrival Plus™ World Elite MasterCard® here.
There are numerous other bonus offers that may be even more lucrative, and other credit cards like the Amex Blue Cash Preferred that offer 3x bonus points on all department store purchases, including Kohl’s.
As a Reston, Virginia local, I was pretty psyched about the news this week that Frontier Airlines will be flying a regular schedule of flights to 14 popular destinations out of Dulles International Airport (IAD) near Washington, DC.
Grab Introductory Fares on Frontier Airlines Now!
Frontier is a low-cost airline and they capped their announcement with a 12 hour sale with fares as low as $15 one way! I didn’t get in on the sale — I heard the website was pretty overwhelmed — but there is still a chance for introductory fares as low as $39 if you buy your tickets by May 17, 2014.
Beginning August 19, 2014, Frontier will offer nonstop service to:
Foxy the Fox
Atlanta
Charlotte, NC
Orlando, FL
Minneapolis/St. Paul
Tampa, FL
Beginning September 8, 2014, Frontier will begin nonstop service to:
Chicago-O’Hare
Cincinnati
Detroit
Fort Lauderdale, FL
Las Vegas
Memphis, TN
Fort Myers, FL
St. Louis
St. Augustine/Jacksonville, FL
Buddy the Badger
Frontier’s service from Washington-Dulles will operate on 168-seat Airbus A320 aircraft.
Cranky Flyer has a great analysis today about the tortured history of low cost airlines at Dulles Airport and it’s not a pretty story. Hopefully, Frontier’s entry into this market will create some price competition.
Frontier Credit Card Sign Up Good for Two Free Round Trips
Frontier Airlines has a pretty generous standard award chart, with 20,000 miles required for a roundtrip for travel within the U.S., including Alaska. The Frontier Airlines World MasterCard® offers a sign-up bonus of 40,000 miles after spending $500 in the first 90 days.
So the current credit card offer is good for two round trips, and then some. That’s because you can travel with a companion for just 15,000 per round trip.
That’s a pretty generous bonus for a very low spend requirement!
There is a $69 annual fee which is not waived in the first year. Note that Barclay’s advertises this offer as a 50,000 mile bonus, but that includes the balance transfer provision, which is never a good deal because of the fees charged.
What’s more, look at all the cute animals that you can get on your credit card!
Barclaycard Arrival Plus with Chip and Pin Technology
A picture is worth a thousand words, so here’s the graphic on the updates to the Barclaycard Arrival credit card announced today.
You can see the advertising video with an explanation of the new Chip & Pin payment feature here.
Chip & Pin is the state-of-the-art security feature that is especially useful if you travel abroad.
You can find my full reviews of the pros and cons of the fee version, and no annual fee version of the card here.
Barclaycard Arrival™ World MasterCard®
I have the Barclaycard Arrival™ World MasterCard® which comes with a $200 credit towards travel expenses if you spend $1000 in the first three months after opening the card. This card has no annual fee, and pays two times “points” on purchases at restaurants and for travel purchases. I like the bonus earning on restaurants and on Priceline purchases. I also like that this is a no annual fee card, so I can hold on to it forever, thus aiding the length of credit history on my credit score. This card does not have the chip and pin feature.
There is another, probably better, version of the card, now called the Barclaycard Arrival Plus™ World Elite MasterCard®that offers a $400 bonus toward travel expenses if you spend $3000 in the first three months. This card has an annual fee of $89, which is waived the first year. It pays two times points on all purchases, which is really a fantastic value, especially because you get ten percent back on all redemptions for travel expenses. This card does have the new chip and pin feature, making it useful for purchases and ATM withdrawals abroad.
U.S. Airways and Barclay’s bank have a new offer out for the The US Airways® Premier World MasterCard®. It’s a pretty good offering, with 40,000 dividend miles awarded after the first use of the the card. There is an $89 annual fee, which is not waived the first year, but there is no minimum spend requirement to earn the 40,000 mile bonus.
The US Airways® Premier World MasterCard®: 40,000 points, No minimum spend
The US Airways® Premier World MasterCard® comes with alot of ancillary perks, including a free checked bag for you and up to four traveling companions on domestic flights. That alone is worth the price of the annual fee in my book, particularly for families traveling with children. The regular fee to check a bag is $25 each way.
One of the other highly touted benefits is the option to purchase two companion certificates for $99 each, plus taxes and fees.
I opened a U.S. Airways credit card last summer, and I was looking forward to using the companion certificates to take my family on a trip. The deal was, if you purchase a ticket for $250 or more, you can buy two companion tickets for $99 each. So I figured, for $450, my family of three could visitour far-flung family or take a vacation. I wish I could tell you that’s what happened.
The companion certificate had so many strings attached that we were unable to take advantage of it before it expired.
If you are highly organized and plan your travel well in advance, you may be able to get some value out of the $99 companion fares, but be aware of the restrictions.
Whereby We Read the Fine Print on the US Airways Companion Certificates So You Don’t Have To
These are the biggies:
Domestic Travel Only. The certificates are only good for travel in the 48 United States or Canada. You cannot use them for travel to Alaska, Hawaii, or Puerto Rico, or to any other country.
Roundtrip Fares Only. Certificates cannot be applied to one-way travel, and they are not valid on stopovers, open jaws, open returns, or circle trips.
Tickets must be purchased 14 days in advance. A minimum two night stay is required. A maximum 30 day stay is permitted.
$250+ Fares Only. The companion certificates can only be used when the paid fare is $250 or more. The $250 is the base fare only. If your fare is $250 including taxes and fees, it doesn’t qualify. You pay taxes and fees on the base fare, and the $99 companion certificates are also subject to taxes and fees. Your full fare will be $280 to $300 depending on whether it is for U.S. or Canadian travel.
Time Limited. After you have opened The US Airways® Premier World MasterCard®, and made an initial purchase, you have nine months in which to purchase your tickets, and travel must be completed within the next three months.
In 2014, there are 28 blackout dates when you cannot use the certificates. These include many holiday weekends and other popular travel times. There are further restrictions in certain markets limiting travel to and from Mardi Gras, the Kentucky Derby, the Superbowl, and the NCAA Final Four.
Last month, on my US Airways flight back home from North Carolina the in-flight magazine had an ad for a US Airways credit card issued by Barclay’s with a 40K mile bonus. The ad said to ask the flight attendant for an application, but on the short flight, I never had the opportunity. There are so many different offers out there for what appear to be the same product, that sometimes it is hard to know what’s what. US Airways cards in particular will sometimes advertise a 40K bonus miles offer, which really turns out to be a 30K offer. The offers are changing all the time so you really have to read the fine print.
Applying for a U.S. Airways Dividend Miles Card with a 40K Mile Bonus
I have been looking for ways to boost my kitty of US Airways dividend miles for a family trip. When I returned home I went searching for the offer I had seen advertised.
I found an application link for an a Dividend Miles credit card that paid 40k bonus miles after the first purchase. There was an $89 annual fee, that was not waived the first year. The card came with all kinds of other benefits, but it was really the bonus miles I was after.
I don’t like to pay an annual fee, but sometimes it is more practical than getting a card with a high minimum spend requirement. Meeting a minimum might cause you to spend more money than you might have otherwise, or to stock up on gift cards just to meet the minimum spend requirement.
To make a long story short, I applied for the card and my application was denied.
I was told I was ineligible because I already had a different version of the U.S. Airways credit card, and that Barclay’s only allowed you to have one personal U.S. Airways card. So rather than incur a ding on my credit rating for no obvious benefit, I decided to apply for the business version of the card, which came with 25K bonus miles after the first purchase, and an $89 annual fee that was not waived the first year. Happily, I was approved for that card, have already received it in the mail, and have made my first purchase.
The business version of the card does not have all of the features of the personal card, such as the option for a free companion pass, or the ability to redeem flights for 5,000 fewer miles. However, these are features of the personal card that I already have.
Yesterday, Barclay’s came out with a new offer for theUS Airways® Premier World MasterCard®, which offers 40K bonus points after the first purchase.
New Offer for the US Airways® Premier World MasterCard®
Here are the details of the latest December 2014 offer:
Earn 50,000 bonus miles after your first purchase and payment of the $89 annual fee*
First checked bag free on eligible bags for you and up to four companions on domestic US Airways operated flights
One companion certificate good for up to 2 guests to travel with you on a US Airways operated flight at $99 each, plus taxes and fees
Priority boarding Zone 2 on US Airways operated flights
Redeem miles for award travel on US Airways and American Airlines booked through usairways.com or US Airways Reservations
Earn miles on every purchase with 2 miles for every $1 you spend on US Airways purchases and 1 mile for every $1 on purchases everywhere else
Please see terms and conditions for complete details
One caution is that the companion certificate comes with a number of limitations. For instance, there are blackout dates around popular travel times and other conditions that may sharply limit the utility of the certificate.
If you are looking for ways to boost your Dividend Miles balance, I would certainly recommend the personal version of the card over the business version. Live and learn!
Click here to compare current rewards credit card offers.
