Virgin Atlantic Flying Club Loyalty Program Review

Question 1

Answer

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Question 2

Answer

Pros

The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
5x points per $1 spent on prepaid hotels booked with American Express Travel
Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
TSA PreCheck or Global Entry credit
Access to American Express Fine Hotels and Resorts
Access to Amex International Airline Program
No foreign transaction fees (rates and fees)

Cons

$695 annual fee (rates and fees)
Airline credit does not cover airfare (only incidentals like checked bags)

Question 3

Answer

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card^®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card^®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card^®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR^® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card^®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card^®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
$695 annual fee.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Question 4

Question 5

Answer

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Question 6

Answer

Pros

4x points per $1 at restaurants, plus takeout and delivery in the U.S.
4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
3x points per $1 on flights purchased directly from airlines or at Amex Travel
Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
No foreign transaction fees (see rates and fees)
Access to Amex’s The Hotel Collection
Access to American Express transfer partners

Cons

$250 annual fee (see rates and fees)
No lounge access

Question 7

Answer

Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards^® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards^® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards^® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Question 8

Question 9

Answer

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Question 10

Answer

Pros

5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Up to $200 annual airline fee credit on your selected qualifying airline
Statement credits on select purchases with your card
35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Global Entry or TSA PreCheck application fee credit
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Access to Amex’s Fine Hotels & Resorts program

Cons

High annual fee of $695 (rates and fees)
Airline fee credit does not cover airfare, only incidentals like checked bags

Question 11

Answer

Welcome Offer: Earn 120,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards^® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR^® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card^®.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.

Financial Snapshot

APR: 19.49% - 27.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Question 12

Question 13

Answer

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Question 14

Answer

Pros

4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
- NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses , and subways
- NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
- NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
Access to Amex’s The Hotel Collection
Purchase protection and extended warranty protection
Trip delay insurance
Car rental insurance
Cell phone insurance

Cons

$295 ($375 if application is received on or after 2/1/24) annual fee (rates and fees)
No elite travel benefits like airport lounge access or elite status

Question 15

Answer

Welcome Offer: Earn 70,000 Membership Rewards^® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
MORE REWARDS: Get 4X Membership Rewards^® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
*Terms Apply

Financial Snapshot

APR: 19.49% - 27.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Question 16

Question 17

Answer

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Question 18

Answer

Pros

2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost

Cons

No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status
Charges foreign transaction fees

Question 19

Answer

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X Membership Rewards^® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
No Annual Fee
Terms Apply

Financial Snapshot

APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

American Express Membership Rewards

Question 20

Question 21

Answer

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Question 22

Answer

Pros

5x points on all travel booked via the Chase Ultimate Rewards portal
5x points on select Peloton purchases over $250 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide
$50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
Excellent travel and car rental insurance
10% annual bonus points
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)

Cons

$95 annual fee
No elite benefits like airport lounge access or hotel elite status

Question 23

Answer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards^®.
Enjoy beneﬁts such as 5x on travel purchased through Chase Ultimate Rewards^®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards^®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC

Financial Snapshot

Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

Question 24

Question 25

Answer

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Question 26

Answer

Pros

10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
10x points on Lyft purchases March 31, 2025
10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
5x points on airfare booked via the Chase Ultimate Rewards portal
3x points on all other travel and dining purchases; 1x point on all other purchases
$300 annual travel credit
Priority Pass airport lounge access
TSA PreCheck, Global Entry, or NEXUS credit
Access to Chase Luxury Hotel and Resort Collection
Rental car elite status with National and Avis

Cons

$550 annual fee
Does not offer any sort of hotel elite status

Question 27

Answer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards^®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards^® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards^®. For example, 60,000 points are worth $900 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck^®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Member FDIC

Financial Snapshot

Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

Question 28

Question 29

Answer

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Question 30

Answer

Pros

3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Trip cancellation and interruption insurance
Rental car insurance
Extended warranty coverage

Cons

No elite travel benefits like airport lounge access

Question 31

Answer

Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards^®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards^®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Member FDIC

Financial Snapshot

Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

Question 32

Question 33

Answer

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Question 34

Answer

Pros

Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
Travel insurance and purchase protection
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
No annual fee

Cons

Spending caps in bonus categories
Low points earning outside of bonus categories
3% foreign transaction fees

Question 35

Answer

Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
0% introductory APR for 12 months on purchases
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

Question 36

Question 37

Answer

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Question 38

Answer

Pros

1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
Earn flexible rewards

Cons

3% foreign transaction fee

Question 39

Answer

Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

Question 40

Question 41

Answer

Chase has introduced the Ink Business Premier℠ Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.

Question 42

Answer

Pros

Earn 2.5% total cash-back on purchases of $5,000 or more
Earn 2% cash-back on all other business purchases
Unlimited 5% total cash-back on travel purchased through Chase Ultimate Rewards
No foreign transaction fees
Trip cancellation and trip interruption insurance
No additional cost for employee cards
Cell phone protection
Primary rental car coverage
Purchase protection
Extended warranty coverage

Cons

$195 annual fee
Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR
Rewards cannot be pooled with Chase cards that offer access to transfer partners

Question 43

Answer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC

Financial Snapshot

Foreign Transaction Fees: None

Card Categories

Question 44

Question 45

Answer

The Citi Premier^® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!

Question 46

Answer

Pros

3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
Access to Citi transfer partners
Annual hotel credit
No foreign transaction fees

Cons

$95 annual fee

Question 47

Answer

Earn 60,000 bonus ThankYou^® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou^® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 1 Point per $1 spent on all other purchases
Annual Hotel Savings Benefit
60,000 ThankYou^® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases

Financial Snapshot

APR: 21.24% - 29.24% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

Citi ThankYou Rewards

Question 48

Question 49

Answer

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Plus, for a limited time, earn 5 ThankYou^® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel(SM) portal through June 30, 2024.
0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 2X ThankYou^® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou^® Points on All Other Purchases.
The Citi Rewards+^® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
No Annual Fee

Financial Snapshot

APR: 0% Intro APR on balance transfers for 15 months and on purchases. After that, the variable APR of 18.74% - 28.74%.
Foreign Transaction Fees: 3% of each purchase transaction in US dollars

Card Categories

Question 50

Question 51

Answer

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Question 52

Answer

Pros

Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Flexible redemption options
No annual fee

Cons

No bonus categories
3% foreign transaction fees
Lack of premium travel benefits

Question 53

Answer

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Financial Snapshot

APR: 19.24% - 29.24% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

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Citi ThankYou Rewards

Question 54

Question 55

Answer

The Citi Custom Cash^® Card is inventive when it comes to cash-back credit cards. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, without an annual fee.

Thanks to that unique perk, you’ll never need to worry about whether you’re using the right card for the right purchase, as your Citi Custom Cash card will always pay you 5% back on whichever category you end up spending the most on each month.

Question 56

Answer

Pros

5% cash-back (on up to $500 each billing cycle) from your largest purchase category, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
No annual fee
Multiple redemption options
No redemption minimums

Cons

Your 5% category is limited to $500 in spend ($25 in cash-back) each month
Not particularly rewarding for any purchases outside of your top 5% cash-back category

Question 57

Answer

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash^® Card account per person.

Financial Snapshot

APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%.
Foreign Transaction Fees: 3%

Card Categories

Question 58

Question 59

Answer

Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold^® Credit Card.

The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.

Question 60

Answer

Pros

Up to 14x points per $1 on Marriott purchases
2x points per $1 on travel purchases
15 Elite Night Credits each year (automatically gives you Silver Elite status)
No foreign transaction fees
No annual fee

Cons

Lower point earn rate than other Marriott Bonvoy cards
Marriott Bonvoy Silver Elite status is the lowest status tier

Question 61

Answer

Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
Pay no annual fee with the Marriott Bonvoy Bold^® Credit Card from Chase^®!
Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Bold^® Card.
2X points for every $1 spent on other travel purchases (from airfare to taxis and trains).
1X point for every $1 spent on all other purchases.
Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
No Foreign Transaction Fees.
Member FDIC

Financial Snapshot

Foreign Transaction Fees: None

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Marriott Bonvoy

Question 62

Question 63

Answer

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless^® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

Question 64

Answer

Pros

Earn big when you use your card at over 7,000 participating Marriott Bonvoy hotels
New benefit to earn big at grocery stores, gas stations, and dining
Automatic Silver Elite Status
1 Free Night Award each cardmember anniversary (up to 35,000 points)
DoorDash DashPass subscription
No foreign transaction fees

Cons

$95 annual fee
Marriott Silver status is the lowest status tier

Answer 49

Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Boundless^® Card.
Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No Foreign Transaction Fees.
Member FDIC

Financial Snapshot

Foreign Transaction Fees: None

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Marriott Bonvoy

Answer 50

The Marriott Bonvoy Bevy™ American Express^® Card, the latest mid-tier offering in the Marriott Bonvoy lineup of cards, offers cardholders automatic elite status and ways to earn more Marriott Bonvoy points on each of their stays and daily purchases.

Answer 51

Pros

6x points per $1 at hotels participating in Marriott Bonvoy
4x points per $1 at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases per calendar year, then 2X points)
2x points per $1 on all other purchases
Complimentary Marriott Bonvoy Gold Elite status
15 Elite Night Credits per year
1,000 bonus points per paid stay
1 Free Night Award (up to 50,000 points) when you spend $15,000 on the card in a year
No foreign transaction fees (rates and fees)

Cons

$250 annual fee (rates and fees)
Free Night Award certificate is not an automatic benefit

Answer 52

Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
Earn 2X points on all other eligible purchases.
1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy^® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
With complimentary Gold Elites status, earn up to 2.5X points from Marriott Bonvoy^® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy^® points) at a hotel participating in Marriott Bonvoy^®. Certain hotels have resort fees.
15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card^® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy^® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
Plan It^® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
$250 Annual Fee.
Terms apply.

Financial Snapshot

APR: 20.99%-29.99% Variable
Foreign Transaction Fees: None

Card Categories

Answer 53

The Marriott Bonvoy Brilliant^® American Express^® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

So is the card a worthwhile addition to your wallet?

Answer 54

Pros

6x points per $1 at hotels participating in Marriott Bonvoy program
3x points per $1 on flights booked directly with airlines and restaurants worldwide
2x points per $1 on all other purchases
25 Elite Night Credits each year
Priority Pass Select membership upon enrollment
Global Entry or TSA PreCheck application fee statement credit
Annual Free Night Award after card renewal
Complimentary Platinum Elite status

Cons

Steep annual fee of $650 (rates and fees)
6x points per $1 is the same earn rate offered with lower annual fee alternatives like the Marriott Bonvoy Bevy™ American Express^® Card

Answer 55

Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
$300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant^® American Express^® Card at restaurants worldwide.
With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy^®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant^® American Express^® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton^® or St. Regis^® when you book direct using a special rate for a two-night minimum stay using your Card.
Fee Credit for Global Entry or TSA PreCheck^®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck^® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant^® American Express^® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Each calendar year with your Marriott Bonvoy Brilliant^® American Express^® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy^® Elite status. Limitations apply per Marriott Bonvoy^® member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
Enroll in Priority Pass™ Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
No Foreign Transaction Fees on international purchases.
With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
$650 Annual Fee.
Terms Apply.

Financial Snapshot

APR: 20.99%-29.99% Variable
Foreign Transaction Fees: None

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Marriott Bonvoy

Answer 56

Flying Club is the airline loyalty program of Virgin Atlantic. By becoming a member, you will have the ability to both earn and redeem points for award flights.

The programs elite benefits are driven by the amount of Tier Points that you earn. Once you start earning Tier Points, you’ll have the ability to achieve Red, Silver, or Gold elite status.

Elite benefits include bonus points, lounge access, and extra baggage allowance, among other benefits.

Virgin Atlantic is not in an alliance so the points that you earn can be redeemed for Virgin Atlantic or its partner airline award flights.

Answer 57

Virgin Atlantic, like most major airlines, has a host of earning and redeeming travel partners.

On the earning side, Virgin partners with airlines, hotels, retail and financial companies, and the Virgin Group.

If you’re looking to redeem points, Virgin partners with airlines, hotels, and the Virgin Group.

While you can’t transfer your points to Virgin Atlantic’s airline partners directly, you can use your points to book a flight on an airline partner like Air New Zealand or ANA.

Separately, you can use your points to book a hotel, car rental, or pay for your shopping.

Answer 58

Head to this page to login to your frequent flyer account.

Answer 59

You can sign up for a free Flying Club account by filling out an application here.

Answer 60

You can find your Flying Club number by signing in to your account, on your membership card, or through a variety of marketing emails they send to you.

If you can’t find it there, try using the “forgot my password” tool to reset your account so you can get in. Alternatively, try calling the customer service desk to find your number.

Answer 61

It might take up to 6 weeks for the points to appear in your account.

Answer 62

Virgin Atlantic points do not expire.

Answer 63

If you are a Silver or Gold member, you elite status will expire every 12-13 months.

If you are a Red member, your status is valid for 36 months.

Answer 64

Yep! Virgin Atlantic actually has two credit cards in that Black and White card.

Answer 65

Yes! Virgin Atlantic will allow you to hold an award flight for 24-48 hours.

Ticket Type:	Economy	Premium	Upper Class
Tier Points Earned:	25	50	100

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Virgin Atlantic Flying Club Loyalty Program Review

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