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#surely it would be be worth the hassle to make it internationally available (as in sooner or when the episodes first dropped)
nightwingandhissquad · 5 months
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young justice (up to s3) is finally on uk/international netflix they’ve finally remembered us and given international fans a way to legit watch it and give it views it only took them 5 years
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zenruption · 4 years
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Means of International Transport: 12 Things to Keep in Mind About Freight Forwarding
by Brian McKay
If you or your business have freight requiring international transport, freight forwarding is the best method to use. Global freight companies will coordinate your product's movement from one location to another, using one or more types of freight carriers such as air freight, railway freight, road freight, and ocean freight. This process can be overwhelming, especially if this is your first time shipping internationally. Review these twelve facts about freight forwarding before moving forward.
1. What is freight forwarding?
Freight forwarding is the movement of goods between two or more destinations. The process is handled by a freight forwarding company that will take care of everything, including storage and the actual shipping. They also serve as the liaison between their customer and the transportation companies, focusing on the best prices and ensuring the most cost- and time-effective route. If you are looking for a freight forwarder, consider exfreight.com.
2. Hassle-free import and export
Retaining the services of a freight forwarder relieves a substantial amount of stress when shipping internationally. They are experts in import and export and will assist with packing and storing and ensure that the customs procedure is smooth and hassle-free.
3. Vast range of services
Freight forwarders offer a vast number of benefits to their customers to assist in the delivery portion of the supply chain process. They will help with:
·         Successfully clearing customs because, as we said before, they are the experts and will make the process stress-free.
·         Documentation for international export and import.
·         Insurance
·         Safe and customs-acceptable packing.
·         Safe and proper storage. If climate control is required, the freight forwarders will arrange for it.
·         Expert inventory management.
4. Smart business move
Using a professional to coordinate the movement of your goods provides a significant advantage to your company. The money spent on a freight forwarder is more than offset by the peace of mind that the products will arrive safely and on time at the intended location.
5. Shipping delays
Global freight forwarders do not have control of situations that might cause delivery delays and, as such, are not responsible. Hazardous weather, vehicle breakdowns, delays in port, and route changes or closures are just a few examples of what might cause an unanticipated delay in delivery. Another benefit of using an international freight forwarding company is that they will do everything possible to solve the problem promptly.
6. Collaborate with the freight forwarder
You are placing a great deal of trust in your freight forwarder. This cargo is your livelihood, and you cannot afford to lose it or have it damaged in transit. Therefore, be careful to choose a company that has a stellar reputation, is reliable, and provides outstanding customer service. Once you have identified the right freight forwarder, maintain a good relationship with them and work collaboratively to accomplish the mission.
7. Up-to-date paperwork
Before you turn your cargo over to the freight forwarder, complete all required transportation documentation. Your representative from the company will help with this. Still, you are ultimately accountable for anything that might occur due to improper paperwork, such as customs or banking issues. Situations like this would be harmful to your business.
8. Restricted products
Global freight forwarding companies cannot and will not ship certain products and substances. These restrictions apply mainly to air or sea freight. Although not all-inclusive, this list includes goods that are generally restricted across the board:
·         Inherently dangerous items such as hazardous or combustible materials, flammable liquid and toxic substances
·         Drugs, including both recreational and prescription
·         Alcoholic beverages
·         Batteries
·         Perishable items except in specific exceptions
·         Live animals
·         Sharp objects
·         Ammunition or explosives
·         Poisons
9. Extra services
Most global freight forwarding companies offer additional services for your shipment to include additional storage, cargo insurance and tracking, and special handling of dangerous goods. Ask about the extras when getting the initial quote, and remember they are the experts. So it may be worth a few more dollars to get just the right type and amount of insurance for your items. If you do not need any of the additional coverages offered for your current shipment, make a note of what is available for the next time you ship internationally.
10. Six stages of freight forwarding
There are six key stages in the global freight forwarding process, which include the following items.
·         Export haulage is the movement of a shipment from the source to the global freight forwarder’s warehouse. It is typically accomplished by truck or train, depending on the distance, and can take a few hours to a few weeks.
·         Export customs clearance is the submission of a declaration outlining the shipment contents and its supporting documentation. The licensed freight forwarding company performs export customs clearance.
·         Origin handling is the delivery, inspection, and validation that the shipment matches its official documentation. Upon verification, a cargo dock receipt is issued to the shipper.
·         Import customs clearance occurs when the cargo arrives in its destination country. The goods are declared, including the value, and the customs paperwork is confirmed to be in order.
·         Destination handling consists of several activities that culminate in the unpacking in the import warehouse.
·         Import haulage is the reverse of export haulage. It involves the shipment moving from the import warehouse to its final destination.
11. Documentation
Considerable paperwork is involved in the export process. Once your shipment safely arrives at its destination, the global freight forwarding company should provide you with all the applicable documents. These include the certificate of origin statement, commercial invoice, export license, export packing list, inspection certificate, bill of lading contract, and shippers export declaration document. If you do not receive all of these, ask for them. Your official records must include these documents.
12. Freight forwarder’s unique strengths
Reputable, experienced freight forwarders will likely have a strong network of previous customers and contacts. They have also encountered just about any international shipping issue imaginable. These are benefits that will ultimately be a great asset to your company.
If you have a specialized type of cargo to be shipped, be sure to retain a company with specialists and experience in that area. That additional level of expertise will make a difference.
These are a few of the more essential facts regarding global freight forwarding. Please do your homework and pick a company based on its merits, not necessarily the lowest price.
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michellelewis7162 · 5 years
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Vehicle Transport
Vehicle Transport
 There are actually a lots of reasons you may be taking into consideration vehicle transport rather of just steering your vehicle or even using your bike. Perhaps you're a classic car debt collector or you have a classic motorcycle that is actually worth a considerable amount of cash, or possibly you just wish to move your lorry coming from one point of the country to the various other and also would certainly somewhat certainly not spend a week steering or using. Irrespective of why you are checking out vehicle transport there are actually a lot of elements you need to have to know just before entrusting your motor vehicle into the capable hands of the transport experts. 
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The different approaches of vehicle transport.
 There are actually primarily 3 ways to transport an auto from one aspect to one more; ship, rail or truck. Each way possesses its own benefits and depending on the instances you will certainly require to choose the right procedure. The proximity you intend to move your auto will definitely be the principal determining factor that finds out which of these strategies you select. Transporting your car by ship is perfect for transferring from one nation to yet another as well as with the increase in the variety of imported cars and trucks this is coming to be an increasingly popular selection. Car delivery service
 Lots of transportation business that are moving your vehicle in between 2 places in the same country will accomplish this utilizing an available automobile carrier similar to those made use of when taking brand-new autos to the showroom, having said that if you have a quite aged car or a specifically rare one and also you don't want it to possess to face the elements after that you shouldn't possess any sort of problems finding a provider that is going to provide you the very same service in a shut carrier, therefore avoiding the possible damages that certainly not simply the wind and also storm may perform, however also loosened chippings that fly up when while driving.
 The insurance policy ramifications of vehicle transport.
 Similar to any style of purchase you need to constantly look around to be sure you are not just receiving the very best offer but are actually obtaining everything you require from the company you make use of. For circumstances lots of shipping business will merely use a quite low amount of insurance and if you are actually delivering an extremely valuable vehicle from one side of America to the other you are going to undeniably prefer a little bit of added cover to provide you that satisfaction Boardman.
 One of the most vital facet of selecting a provider to take care of your vehicle transport.
 International Vehicle Transport
 Vehicle transport providers use solutions that deal with shipping for all kinds of motor vehicles internationally. The automobiles may be sent out to or even obtained from yet another nation throughout the globe. The vehicles that may be transported globally include bikes, autos, vehicles, trailers, Recreational Vehicle's, buses, mobile properties, watercraft, plane, choppers, aircrafts, planes, heavy tools, tractor/trailer rigs plus all various other wheeled machinery. The freight provider usually collaborates with a network of reputable companion firms around the globe to publication, send off as well as deliver the automobiles. Shipping international is much more complex that delivering locally, as a result of to regulations established by foreign nations on this kind of task. The quote criteria are influenced through variables including the dimension as well as kind of vehicle being actually transported, the beginning and also place f the auto, as well as any sort of unique dealing with that would certainly be actually required.
 A domestic vehicle transport provider functions in relationship with accredited as well as reliable overseas carriers that will give the same remarkable requirement of company and care. One of the most reliable strategies of transport and also freighting paths are used globally to make sure a premium quality of solution and also realistic price. These providers also handle the transport of automobiles in the best appropriate way relying on the distinct instances associated with each personal cargo. These companions are going to also correctly handle the transactions of documentation for export or incoming customs approval. Just before shipping a car internationally, all industrial billings must be supplied to the carrier due to the client as well as the customer must sign the export directions Boardman.
 Foreign governments possess rules that can easily affect different parts of global vehicle transport. Packages shipments undergo role in every nations. The client has to be prepped to supply receipts for investments made in international nations and efficiently pay out the needed responsibility. All destination and also importation charges and also fees are made the duty of the cargo owner. The freight owner is actually encouraged to investigate through the consular office of the overseas government to which they are shipping freight or where they are actually acquiring freight to effectively find out of levies or constraints that would relate to the delivery. The delivery company will constantly supply the most ideal details achievable to the client, however due to the fact that the obligation is untruthful with the payload proprietor (consumer) to appropriately pay out costs and also create records, it is smart to be directly educated through the appropriate consular offices. The transport of cars will definitely go effortlessly when all information is provided along with the correct relevant information plus all charges as well as costs are paid as needed.
 Things You Must Know About Vehicle Transportation
 Various packers and also moving companies have different schemes to give. Thereby, it is necessary that you browse advantageous rate prior to bring in the last selection. Right now the inquiry is actually - carry out all packers and also moving companies supply automobile transport and insurance coverage of products? The solution is NO.
 Some moving providers provide lorry transportation while others focus generally on the moving of house items. Likewise not all moving business provide Insurance of items OH.
 Like various other services, moving can easily be actually challenging as effectively. The threats have a tendency to enhance when moving long hauls. As a result, you need to look at the solutions of professionals.
 If you are actually especially worried regarding insurance coverage and vehicle transport, you ought to pick a relocating business that uses such possibilities.
 The main cause for employing Moving firms that give insurance coverage is actually Security. In the course of the transportation of goods, specific things can easily get harmed or even shed. Accidents may likewise happen while in transit.
 Along with insurance policy protection, you don't need to worry. You have to ensure that the packing bargain presently includes insurance coverage. Its favorable to be prepped because you may never ever ensure what can easily happen when traveling.
 If you need to have to take your automobile during the course of the relocation or moving, it would certainly be actually far better to decide on a relocating company that focuses on auto transportation. A trusted firm may make sure a hassle-free as well as effortless transport of your precious car OH.
 The right packers as well as movers may manage governmental rules that help in admittance of motor vehicles in a various states/countries.
 For instance, according to website traffic laws in some countries automobile providers are simply permitted on certain days within a stated duration. You possess to pick a vehicle transport service that possesses a national permit to prevent prospective complications with the town government.
 Other than the governmental laws, professionals can also successfully handle problematic roads as well as the bad traffic. Beginners could be conveniently overwhelmed with the continuous roadway buildings and also perplexing flyovers 44512.
 Some Facts About International Vehicle Transport
 The function of international vehicle transport providers is actually unique. It uses numerous kinds of solutions to individuals. Along with the assistance of global vehicle transport any type of lorry may be delivered or received to or from any type of component of the world. Commonly, the car that are actually delivered or even received from one nation to yet another feature cars, vehicles, motor cycles, Mobile Home's, trailers, manufactured homes, buses, sky craft, water design, helicopters, jets, planes, tractor or even trailer gears, heavy tools and other wheeled equipments.
 Ordinarily, the entire premier delivery providers functions through a system of trusted companions. These providers overcome out the globe and work together in the functionalities like booking, providing and dispatch of motor vehicles. The process of car freight overseas is considered to become much more complicated in evaluation of freight locally within the political borders of a nation. The method of global vehicle transport is complicated due to variation in law along with various nations. The treatment of such activity modifies coming from nation to nation. All the parameters being actually quotes mainly hinges on the type and also dimension of the vehicle that is heading to be actually relocated. After the vehicle being shipped the transport firm owes the entire duty as well as ensures the proprietor of vehicle, a safe reach of it to its own place.
 The residential business accomplish the process of transport along with the help of qualifies as well as dependable international carriers. They made use of to supply companies of exceptional quality along with suitable care of all the things. The process of transit is actually being performed with the help of innovative methods to use highest solutions to the customers at an economical price. The global vehicle transport companies have a sufficient expertise regarding what is actually great for the lorry and also what is actually certainly not. They give a suitable environment to every consignment. The companion providers are actually capable to deal with all the procedures and preparing all the papers related to custom services. It is actually essential that the customer needs to undergo all the export instructions incredibly thoroughly as well as sign it after validating all the elements. If there is actually no trademark of the customer in the papers then it may develop extreme issues in the method of routing the motor vehicle 44512.
 The variable that possesses the primary influence on various facets of international vehicle transport is actually the rule enforced due to the authorities of the foreign countries. The payload deliveries are actually taken into consideration to be liable for the task in all the nations. The customers have to have the receipts for the shipment and send off of the lorries. It is actually vital to spend the required duty through the customer immediately. This payment consists of destination costs, importation/exportation charges, and so on and also all these arised from client's own wallet. It is actually recommended that prior to opting for the procedure of payment the consumer need to guarantee concerning all the regulations as well as guidelines of the anxious international nation. For this they can easily correspond with the consultant of international government and after that sought all the queries. There is going to no worry come up if all the formalities have actually been actually revised and all the roles have actually been actually spent within the correct time period of opportunity.
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dnygroup · 4 years
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One & Only Exclusive Multi-Brand Cloud Kitchen Franchise under Rs. 7.5 Lacs in India
Customization: A key to better customer serviceCustomization is very necessary with Dum Shahi Biryani because it helps in satisfying the customers’ needs. Customer satisfaction is the main feature of training by DNY Kitchens franchise handling team. In the cloud kitchen industry, the importance of what is getting delivered to the end consumer is the highest because that’s the first thing to represent your virtual restaurant. This is the reason the chefs of DNY Kitchens invested 2 years in developing unique tastes in 4 to 5 recipes only to increase value of cloud kitchen franchise. Setting up kitchen equipmentThe next was setting up kitchen equipment so that biryanis could be cooked in the fastest possible manner. The equipment employed at Dum Shahi Biryanis is only focused on preparing slowly cooked biryanis. This is possible only when you consult an experienced cloud kitchen franchise provider so that your investments are directed rightly. Marketing & Branding – Dum Shahi‘Biryani’ is India’s one of the highest ordered products in India. This high-demand product, when given a right positioning, goes for a swift growth in the Indian market. Therefore, you are sure to succeed with our multiple-brand cloud kitchen franchise and our special focus on right Social Media Marketing & Branding. The royal menu, seen with an impactful branding and high-resolution pictures is the first selling point. You would be amazed at the visuals of biryanis by DumShahi Biryani. This way we give you the best out of a franchise opportunity cloud kitchen. Franchise Business rocks with QSR modelWe are proud to inform you that our cloud kitchen franchise DumShahi Biryani can also work on the QSR model in the restaurant industry. QSR stands for quick-service restaurants. It refers to a fast food restaurant that can deliver fast service. Minimal or no table service is also associated with this model. It is a highly typical model but with the help of a cloud kitchen brand franchise, it is fairly possible to execute it.Relevance of DumShahi Biryani in multiple-brand kitchenDum Shahi Biryani has a high potential since it can be easily operated in multi-brand cloud kitchen. It requires one dedicated section for cooking biryanis of all flavors with delicious fragrances. The interior design and space utilization is in the manner that DumShahi Biryani can be settled easily with our cloud kitchen franchise at the same premises with the rest of the brands. Cloud Kitchen Franchise business is emerging as the most profitable franchise business opportunity. However, they have become a well-established phenomenon in the corporate world. Cloud kitchen franchise has commercial food production amenities of all kinds including kitchen equipment, staff recruitment, refrigeration, storage, and other necessary facilities provided during the setup by the brand. To understand its potential, please note one-third of the restaurant industry is now occupied by the cloud kitchen business. Different brands operating in cloud kitchens are virtual kitchens, ghost kitchens, or shared kitchens. The concept of cloud kitchens in itself is sufficient to save more than half the costs involved in operating a business.
Opting for a cloud kitchen franchise can save money, energy and time. You have the opportunity to start a multiple-brand cloud kitchen with 3 brands with an intelligent kitchen design that can accommodate those brand operations. To your surprise, all this is available at an unbelievable cost of Rs. 7.5 lacs in India.
Importance of Opting for a Cloud Kitchen Franchise  
‘DNY kitchens’ has been in the industry for more than 15 years and has been known for their business intelligence into hospitality. We are very crucially known for scrumptious recipes and smart Menu engineering. According to our food franchise principles, we define menu as a set of tempting recipes with minimum running cost, least wastage and Unique Value Proposition.
Opt for Franchise, Opt for Support
Opting for a cloud kitchen franchise is advisable because there’s an on-going support from the brand in marketing and operational excellence. Ours is a well-established company and we providing complete support related to kitchen equipment is a key feature. Usually when you start your own brand, DNY helps you set it up from scratch. Our services begin from designing franchise model, branding and designing, standardizing the brand, entire franchise planning, digital marketing, extending support in expansion and this is how, you operate the business fully.
New to Cloud Kitchen Franchise Business! Bank On Us
DNY, not only excels in making cloud kitchen franchise business model work for you, but also takes care of the costs involved to be as low as possible. ‘DNY kitchens’ is an opportunity for first time food entrepreneurs who want to get into the industry with limited knowledge. With the ready 4 brand franchise model and an ongoing brand support, young entrepreneurs would easily opt for this.
What’s the Best Deal?
The best and the most profitable part of opting for the DNY kitchens’ cloud kitchen franchise is not paying franchise fees for opening the first 20 outlets. The first-time setup cost with NO FRANCHISE FEE, sounds interesting right? Well the major reason is “DNY Kitchens” focuses on building entrepreneurship with 100% successful model.
Scope of Multiple-Brand Cloud Kitchen Franchise
We are promising business partners who would support you in establishing your cloud kitchen business and would extend assistance until your business stabilizes. Our clients are in different countries. It proves our expertise to settle your cloud kitchen business in foreign countries as well. Getting associated with us is a long-term investment for you if you want to enter into international business. Multiple-brand cloud kitchen franchise businesses can be more successful internationally because people of various cultures live there.
Well, let’s know in detail about 4 High-demand brands now
Here’s the complete information about these 4 brands, you will get to choose your 3 favorite ones to start business with
What’s their origin?
How does the branding look like?
What’s the cuisine?
What’s in for you?
Brand 1 – Dum Shahi Biryani
Dum Shahi Biryani as a part of a cloud kitchen franchise is a royal biryani brand, consisting of 4 authentic flavors of slowly cooked dum-biryanis in menu. The head chef team of DNY kitchens took around two years to create the authentic recipes and flavors. With just 4 traditional flavour of Biryanis in menu, we aim at focusing to a confined 100% authenticity of these flavors. Another reason for same is keeping an easy-to-manage biryani business with low-operating cost. The biggest challenge was to make it possible at an affordable price, which we finally achieved. It is highly demanded in cloud kitchen franchise business because rice is consumed in most of the world. Nobody can resist its delicious flavors backed by customization.
Brand 2 – Kuku Chap Chap
India offers a very big market for non-vegetarian food items. Many people consume it for getting proper nutrients therefore the scope is increasing. Kuku Chap Chap is one of the 4 leading brands of DNY’s cloud kitchen franchise. You will get all the secrets of top-notch recipes only in Rs. 7.5 lacs. You will be surprised to know that your chefs will be able to deliver the order in less than 40 minutes. It is possible with the expert training by the team of DNY Kitchens to the staff of franchise holders.
3-day shelf life
Marination is a process of preparing a paste with curd, gram flour, spices and herbs. It takes a considerable period of time to apply it properly on all the chicken pieces individually. The solution by DNY Hospitality is to apply the thick paste for marination and keep it in cold storage. It has 3-day shelf life. Your chef only needs to heat it and your customers will relish it happily.
Exclusive African Flavors
Cuisines and flavors from different parts of the world are always welcomed. The world is getting global. Grab the chance of introducing African flavors of Grilled Chicken in India and in the city you live in. Kuku Chap Chap is one more idea with the highest possible success rate. If you get the cloud kitchen franchise opportunity along with other unique brands, it is worth investing to get into multi-billion dollar industry. You can have the amazing African flavors with different marinades to treat the taste buds of your customers.
Flavors of your choice
Kuku Chap Chap has one more reason to be the feather in the cap of DNY hospitality. Choose different flavors and quantity for marination is at your liberty. We boast of 20+ combinations of marinated chicken. This blend of combinations and flavors will make you stand different from the crowd and success is all yours. We make sure your decision to invest in cloud kitchen franchise from DNY Kitchens can help you reach at the top of the industry.
Hassle-free cooking at Kuku Chap Chap
After reading about 20+ combinations, you might get concerned about the staff members. With DNY Kitchens, the work culture of cloud kitchen franchise business holders is always systematic and all the operations related to cloud kitchens take place with limited staff members. The credit goes to brainstorming management hacks of the most creative heads at DNY Hospitality. This brand of African Grilled chicken out of the multiple-brands cloud kitchen is also operated with complete ease of procedures.
7 benefits with Kuku Chap Chap in a nutshell
African Flavors
20+ Combinations
Variety of flavors
3 Days Shelf Life
Full-fledged training
Limited Staff
Targeted promotion with SMM
No hassles in operations
Brand 3 – YaYY! Momo
Momos were an altogether new name when it entered the Indian market. The taste is as unique as its name. Momos did not take long to rule the hearts of the Indians. This is another unique brand in the 4-brand franchise of DNY Kitchens’ cloud kitchen franchise business model. Its popularity is apparent with the fact that it is one of the most-ordered dishes in online food market. ‘YaYY! Momo’ promises to deliver the most authentic taste of Darjeeling in special steamed Momos.
Brand 4 – Grill’D
Grilled food items are very popular in the food industry. Bread that is consumed every other day can also be the source of delight for food lovers if served properly. A grilled sandwich is preferred by many people over a normal sandwich. We take the opportunity to introduce the 4th brand of multiple-brand cloud kitchen for cloud kitchen franchise business.
What is Grilling?
Grilling is the process of roasting food over hot coals or it is directly exposed to fire. A grill is a metallic device or a device that has a metal frame. The frame plays the role of hot coals. This is especially liked by people who don’t want to eat fried food to avoid the consumption of oils. ‘Grill’D’ provides delicious food items prepared with this technology especially for people who love the combination of nutrition, taste and crisp. This brand also has a target market like it is in the 3 brands of DNY Kitchens mentioned above. Cloud kitchen franchise is a money-making investment since profits in grilled food items is apparent.
Dishes Served
Setting up a cloud kitchen with grilled food items and managing it with a cloud kitchen franchise is an awesome combination. Have a look of what all Grill’D has especially for you:
‘Grill’D’ has vegetarian dishes, chicken and fish to be served with rice.
There are crispy burgers to blow your mind with its aroma and taste.
You can also try Peri-Peri chicken with many other food items that are otherwise more delicious because they are grilled.
You will experience filling your tummy with a nutritious diet that has no oils to increase saturated fats. There was intense research by the team of DNY hospitality to come up with these recipes that can be fit in grilled items. The experiments were done using different flavors and herbs.
5. EggOMogo
If you’re a die-hard eggetarian and can’t get enough of the different varieties of an egg – you must grab a bite of all the innovative dishes that we prepare. From curries to biryanis, omelettes, wraps, rolls, & burgers, our menu keeps eggspanding as per your taste.
Who cares who came first, we whip a mean dish out of every egg we crack!
Unique egg-centric brand with 40 odd dishes of eggs in the menu.
Less staff members
The staff members, required to run the place are less that contributes to increasing the profit margins out of turnover. It follows automated processes for food preparation with the help of latest kitchen equipment and fastest food technology. It is not always necessary to hire the best talents in the industry. After taking the cloud kitchen franchise from DNY Kitchens, the staff members can be made ‘the best’ by rigorous training efforts by our team.
Overall Advantages of multiple-brand cloud kitchen franchise
Expansion of a business takes a long time to grow. Every business goes through teething problems. Then a budding entrepreneur needs to put money in online and offline marketing for brand creation. However, when you invest in a franchise opportunity cloud kitchen, your journey will be absolutely different.
Lesser staff, lesser liability
When the staff members will be less, the investment in cloud kitchen franchise business will ensure that the liabilities are lesser. Liabilities in business mean legally responsible for making payments of salaries, rent, expenses, etc.
Automation
In food franchise business in association with DNY Hospitality, all the setup is automated. Our cloud kitchen franchise guarantees uniform taste, hygienically prepared food and safety of the employees.
Trained staff, not skilled labor
This whole business plan of franchise of cloud kitchen with the prospective of making millions and billions does not require skilled labor but only trained staff. Skilled labor is more expensive.
Process oriented business
This cloud kitchen business is based on a process. All the steps from procuring raw material to packaging food take place with the help of a semi-automated model. It requires intense planning. We will guide you with our cloud kitchen franchise business model properly.
ROI within 9-12 months
ROI stands for ‘Return on Investment’. The duration for recovery of costs and getting profits from turnover is only within 9-12 months. Therefore, it is advisable to have faith in the facts and take the first step to the food franchise.
Lowest operating costs
Cloud kitchens promise food lower operating costs. With experienced and dedicated franchise providers like DNY Hospitality, the costs are the lowest.
High potential in 4 brands
All the 4 brands are selectively full of potential to consider investing in cloud kitchen franchise business. Every single brand has been chosen to supply 4 times profit. ‘DumShahi Biryanis’ can become the first choice of rice lovers. ‘Kuku Chap Chap’ has immense potential to appeal the palates of chicken lovers. ‘YaYY! Momos’ guarantees the yummiest steamed Momos. ‘Grill’D’ is for all those who have an inclination to consuming grilled food for a change. These brands have their organized and fixed niche markets. Thus, success is assured. Since most people are familiar with the taste of these food items; these brands can get business from customers with different preferences also. This is a golden package to kick start your multiple-brand cloud kitchen business.
Brand Franchise guidance
The typical services provided by cloud kitchen consultants are providing the equipment specification and end-to-end guidance to set up a cloud kitchen.
However, at DNY Kitchens, it is a little more:
DNY Kitchens would handle your complete turn-key cloud kitchen franchise setup of 4 brands.
At DNY Kitchens, we not only provide consulting, but our team would also be involved in operational excellence.
DNY team would handle the marketing activities in-house for all 4 brands.
DNY Kitchens helps in selection of staff members, interview them for you, and hire as per caliber.
DNY Kitchens would provide all necessary brand documents, branding, menu designs, recipe standardization, and SOP’s.
DNY Kitchens would train your team for handling end-to-end operations.
Reasons to invest in Cloud Kitchen Franchise with DNY Kitchens
With all the benefits mentioned above, it is pertinent to understand the importance of food franchise business. Food industry is one of the most profitable industries in dark times also. Cloud kitchens do not involve a lot of costs. Taking Cloud Kitchen Franchise is a prudent decision if you want to see yourself as a growing business personality after 5 years.
Limited Investment
Investing the amount of Rs. 7.5 to 9 lacs and getting the overall kitchen equipment setup training and consultation to get legal formalities done is a fairly profitable deal in cloud kitchen franchise business. It includes all kinds of expenses related to licenses, operations, branding, procurement of kitchen equipment, etc. There are no hidden costs.
Training costs covered
When you show faith in us by investing your hard-earned money in franchise of cloud kitchen, we are sensitive towards your effort and our team puts its heart and soul into establishing your brand. Food industry relies on quality and taste, the most. Therefore, we provide rigorous training to your staff after recruiting them.
Marketing costs covered
Digital marketing is one of the most result-oriented tools these days to reach heights in the industry. At any time you will never feel alone even if you are the only investor. DNY Hospitality will always help you grow your business with Digital Marketing & Branding efforts. We don’t take any extra charges to provide marketing services.
Supply chain management
Supply chain management is very tricky in the food industry because delivering the food items on time is the key. We also take care of the supply chain management for the investor who takes franchise of cloud kitchen by DNY Kitchens. It includes kitchen-related equipments, interior decoration related items, necessary furniture, cutlery & crockery, packaging material, staff members, staff uniform, billing software, etc.
Conclusion
Excellence is not so easy to acquire in this Cloud kitchen business. Expertise comes with time, money and extreme effort. How about choosing the easy path and investing in Cloud kitchen franchise business by DNY Kitchens working under the parent company DNY Hospitality Private Limited. We invite you to know the details of the food franchise business that will positively change the way you lead your life.
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samuelfields · 5 years
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The best rewards credit cards of 2019
If your goal is to maximize rewards, get the best bonuses, and play the points game no matter the cost…
You’re on the wrong page.
We have a different philosophy on rewards credit cards.
It’s the same philosophy that we have for all of personal finance: ignore the small stuff and focus on the Big Wins.
Points hacking is small stuff.
Finding a great rewards card you can depend on and then never thinking about it again is a big win.
Finding the best card for you is pretty simple when your goal is to maximize your rewards with the least amount of effort possible. The main decision you’ll need to make is to get a travel points or a cash back card. We’ve sorted through hundreds of credit card offers to find the best card for both categories.
There are a few other situation-specific cards to consider too. All-in, there are only six cards that are worth looking at.
We’ve done a deep dive on all these cards below.
What makes a great rewards card
The usual advice focuses on how to squeeze out every last percentage point from restaurants, gas, groceries, and 50 other categories.
I disagree.
You see, we need to factor in the effort required to get the rewards.
Some cards have rotating spending categories and all sorts of hoops for you to jump through in order to hit some hypothetical maximum reward.
At I Will Teach You To Be Rich, we’re adamantly against these types of games.
A few extra rewards points are not going to fundamentally change your lifestyle. Automating your finances, getting a great rewards card that doesn’t require ongoing effort, and then focusing on bigger wins WILL change your life.
The best rewards credit cards have rewards programs that are easy to understand, require little to no maintenance, and yield at least 1.5% back in cash or rewards. Add in a few perks and you’ve got a great card.
Should you get a travel or cash back rewards card?
Whether to get a travel or cash back card comes down to one simple question.
What’s more important to you, the value of the rewards or simplicity?
If you want to get every dollar in rewards possible, travel rewards programs always beat cash back cards. For credit card companies, there’s always a percentage of people who forget to spend their points, so they’re able to increase the value of their points over a more straightforward cash back program.
Of course, don’t get a travel points card if you hate to travel. That would be … unhelpful. It’s still worth it as long as you travel once per year.
Maximizing the value of your rewards does come with an extra cost though. You’ll have to manage your points. They’ll accrue in your credit card account and you’ll have to make choices on when and where to spend them. For example, different redemption methods have different values. The American Express Membership Rewards points are worth $0.07 on Amazon and $0.10 on Uber. Every card has its own redemption methods with its own values.
You could use the rule of thumb of always redeeming your points for miles on an airline program. This is a good rule, and it’ll usually maximize the value of your points. But you still have to transfer your points to miles. Each credit card points program will transfer to some airline programs and not others. And once you get your points into the right miles program, you’ll have to deal with whatever points restrictions your airline has (blackout dates, only certain flights being available, etc.). To add even more complexity, some credit card programs allow you to book flights and hotels directly through them, but then there’s a separate set of restrictions and point values that you have to deal with.
Sounds like a pain? It is.
For me, the extra hassle is worth the free international flights that I’ve been able to get.
If the extra hassle of a travel rewards programs sounds exhausting, get a cash back rewards card instead.
Cash back cards still have plenty of benefit without any work:
You get a straight percentage back on all charges to your card.
The cash back shows up on your statements either automatically or with very little effort. Worst case, you’ll have to log in and hit a button to initiate the cash back.
While some cash back cards have maximum payouts, rotating categories, and other nonsense, there’s plenty of cards that keep things ultra simple.
That’s as simple as it’s going to get.
Here’s how to make your decision:
To maximize the value of your points, get a travel rewards card.
To maximize simplicity, get a cash back card.
How we evaluate credit cards
These are the criteria that we used to whittle hundreds of credit cards down to the few cards that we recommend.
Rewards or cash back program
How many points or how much cash back does a card earn? And under what conditions?
This is where the bulk of rewards value comes from, so when in doubt, choose the card with the better rewards program.
And watch for restrictions on rewards. It’s common to have a points boost of 5X on a spending category combined with a cap or restriction on how that charge is made. Some of the travel cards force you to book through their website in order to get the full points bonus on that charge. To me, that significantly reduces the value of the card. I place a lot of value on flexibility and choice.
Get a deep understanding of your card’s rewards program so you know exactly how it’ll work.
Bonus value
Most credit cards have a bonus offer for new customers. It usually works like this:
Get X if you spend $Y within Z days.
Hit that milestone and you’ll get the bonus added to your account within a few months.
Be careful with these though. If the spending amount is a huge stretch for you, it’s a sign that the card isn’t a good fit for your current spending habits. Whenever I’m looking at a bonus program, I only consider it if I can easily hit the spending amounts that trigger the bonus.
One hack is to get a new card around the same time that you’re making a larger purchase that you already planned and saved for. Furniture is a great fit for this. If you’re already planning on getting a new couch or mattress, that could get you the bonus on its own. Get your new card, make the purchase, immediately pay down the balance with the money you already saved, get your bonus.
While it’s good to look around for the best bonus promo on the card you want, we never choose cards based on the bonus program alone:
You’ll be using the card for years, the perks matter a lot more than the bonus.
Points are not created equal. One card might offer 100,000 bonus points while another offers 60,000 points. There’s no way to tell which one has the better deal without really digging into the value of their points programs.
Just about every great card has a decent bonus.
Point hackers will chase bonus programs but we don’t recommend that approach. There are more important things for you to focus on.
We recommend choosing the card you want based on the rewards program and perks. Then accept whatever bonus the card happens to offer.
Perks
There are a number of perks that you might get from your credit card. For some, perks are more important than rewards.
Most credit cards have a host of perks that we all forget about, like car rental insurance and lost luggage protection. Standard perks that come with most cards:
Rental car insurance
Purchase protection
Return protection
Extended warranties
Trip cancellation insurance
Lost luggage replacement
These perks are so ubiquitous that you don’t have to factor them in when choosing the card you want. If one of them is super important to you, double check and make sure the card you’re considering does have it.
There ARE perks that only come with certain cards. These are the perks we get excited about. They include:
Uber reimbursement
Global Entry and TSA Precheck reimbursement
Lounge access
Travel reimbursement
Hotel upgrades and credits
If a perk is super valuable to you, it could be worth getting a less valuable rewards program just for the perk. Frankly, this is why most people get the American Express Platinum. Access to the Centurion lounges makes flying much more enjoyable.
Fees
Some credit card fees matter more than others.
While we absolutely hate maintenance fees on checking and savings accounts, all the best rewards cards have annual fees. The rewards and perks easily cover the annual fees as long as you’re regularly using the card. Cards tend to fall into three tiers with their annual fees:
No annual fee: There are no-fee cash back and rewards cards out there. The perks and rewards will be limited but it is possible to get a no-annual-fee rewards card.
$100 annual fee: Most of the good rewards programs start with annual fees in $90-100 range. This is a good level for your first rewards card.
$500 annual fee: The best cards are at this level, like the American Express Platinum and Chase Sapphire Reserve. They have perks none of the other cards have.
If cash is tight and you’re watching every dollar, get a no-annual-fee card. Once you’re more financially comfortable, the $100 annual fee cards open up the real rewards programs. And after you’re making $100,000 or more per year, get one of the $500 annual fee cards to maximize your rewards.
There are other fees to look out for too, like the foreign transaction fee.
I hate foreign transaction fees. I travel internationally a few times a year and I only choose cards without them. Traveling is expensive enough — the last thing I want is a 1-3% charge on top of everything.
Even if you don’t travel and you don’t think this is a big deal, you can still get hit with a foreign transaction fee within the U.S. The fee triggers any time a charge goes through a foreign bank. So if you buy something online, even if the price is in U.S. dollars, you could get an extra fee without realizing it.
Plenty of cards still have foreign transaction fees, so watch for this if you travel.
Simplicity
Some folks love playing points games.
I am not one of those people.
I want 1-2 cards that I can always default to. I’d much rather get 80% of the value without having to spend any time thinking about points.
No matter how good the rewards program is, it’s just not worth the effort if I have to actively think about it. I have plenty of more important things that need my attention.
When looking at rewards programs, look out for these common traps:
Rotating rewards categories. Cards that change the rules are never worth the extra effort in our opinion.
Increased rewards for minor spending categories. I don’t really care if I get 10X points when buying 7-Eleven slushies. Give me a break. I need categories where I spend regularly.
Points that get locked up in obscure programs. Yes, a random hotel credit card might give more points per dollar than other cards. But are the points worth anything if you can only use them at a hotel you never wanted to go to?
If a rewards program has too many restrictions, we don’t include it in our recommended cards.
What about the card APR?
I never pay attention to it. I can’t even tell you what the APRs are on my cards because I always pay the balance off every month.
Look, if you don’t pay off your balance every month, it’s not worth doing a rewards program at all. You’ll pay more in interest than you’ll ever get back in rewards. Get out of debt, get ahead of your spending, and build a habit of paying off your balances.
First build the financial habits and stability to pay off your balance every month. Then, and only then, should you get a rewards credit card.
The two best rewards credit cards
So what are the best rewards and cash back cards? Here are our recommendations.
Chase Sapphire Reserve
The best overall rewards credit card
“Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
Named “”Best Premium Travel Credit Card”” for 2018 by MONEY® Magazine
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Up to $100 application fee credit for Global Entry or TSA Pre✓®”
If you travel at all, get this card. The perks are phenomenal.
First, you get $300 reimbursed every year on travel charges. I just booked a domestic flight yesterday and I got the whole flight reimbursed.
No foreign transaction fees either. The card’s also a Visa, which is the most widely accepted card internationally. That’s as good as it gets for having a reliable credit card to use internationally.
Global Entry and TSA Precheck were game changers for me when traveling. Half my stress and anxiety when traveling was eliminated. I never imagined how much better I’d feel without having to take my shoes off or my laptop out when going through security. Getting the application reimbursed is an amazing perk. Pro-tip: Get Global Entry, which includes TSA Precheck and is only slightly more expensive.
I spend a lot on travel and food. For racking up points, the Chase Sapphire Reserve is perfect for me. I get 3X on the majority of my spending. If only they had 3X points on cashmere sweaters, I would be in heaven.
There is one big downside: the $450 annual fee. That’s high for a lot of people.
The travel and Global Entry reimbursements do cover most of the fee. With the $300 annual travel reimbursement, the annual fee comes down to $150. We also have the $100 credit for Global Entry or TSA Precheck. These programs last 5 years, so that equals $20 per year. Basically, the real annual fee is $130.
When most travel rewards cards have annual fees of $95, paying $130 for the Chase Sapphire Reserve in order to get 3X points on travel and restaurants is a fantastic deal.
Citi Double Cash
The best cash back credit card
“Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Balance Transfers do not earn cash back
0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% – 25.74% based on your creditworthiness*
Click ‘Apply Now’ to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
No categories to track, no caps on cash back, no annual fee*”
I love the simplicity of this card. 2% cash back, no nonsense. Get your first 1% cash back when you spend, get another 1% when you pay down the charge. There’s no cash back limits and no annual fee either.
You won’t get cash back on any balance transfers but that’s pretty reasonable in our view.
There isn’t much in the way of perks, but that’s not why you should be considering this card in the first place.
It’s a no-frills, ultra-simple, maximize your cash back card.
For those of you who want to get a card and never think about your rewards every again, the Citi Double Cash is the card for you.
There is one major downside to the Citi Double Cash card. It has a 3% foreign transaction fee, which is super high. If you travel regularly, the 3% fee will stack up fast and negate any of the cash back rewards that you’ve earned. So only get the Citi Double Cash card if you rarely travel internationally. If you do travel regularly, I have another cash back option for you later on in this post.
Other cards to consider
Depending on your circumstances, there are a few other cards that could be the best option for you. Let’s go through them.
Chase Sapphire Preferred
“Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
1:1 point transfer to leading airline and hotel loyalty programs
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”
The Chase Sapphire Preferred has a slightly less valuable points program and fewer perks than the Chase Sapphire Reserve. And the Sapphire Preferred comes with a smaller annual fee at $95.
You’ll still get 2X points on travel at restaurants, a great bonus offer, and no foreign transaction fees.
But you’ll be missing the travel credit, Priority Pass™ Select for lounge access, and the Global Entry or TSA Precheck credit. And you’ll only be getting 2X points instead of 3X points on travel and restaurants.
We recommend getting the Sapphire Preferred if the $450 annual fee on the Sapphire Reserve is too much of a stretch. The Sapphire Preferred is a great first step into the world of rewards credit cards that have annual fees. Plus, you can always upgrade to the Sapphire Reserve later.
If you make more than $100,000 per year, you should probably go straight to the Sapphire Reserve card.
Capital One Quicksilver Cash Rewards
“One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Pay no annual fee or foreign transaction fees
See if you qualify for a better offer with Capital One:”
Yes, the 1.5% cash back isn’t as high as the 2% cash back from the Citi Double Cash.
But the Capital One Quicksilver has no foreign transaction fees, which means it’s perfect for folks who travel internationally and want the simplicity of a cash back card.
The annual fee does depend on your credit score. If it’s good enough, it’ll be waived. Otherwise the annual fee is $39.
If you travel internationally once per year and want a cash back card, we recommend getting the Capital One Quicksilver card.
American Express Platinum
“Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
$550 annual fee.
Terms Apply.”
The Amex Platinum is all about the perks. If you’re looking to get perks that none of the other cards have, this is the card for you.
The Uber reimbursement is awesome. I easily spend $15/month on Uber rides, so that’s money right back in my pocket.
What’s the Uber VIP status that comes with the card? It’s an exclusive option that will match you with drivers who have a rating of 4.8 and above. It’s certainly nice, but it’s only available in a handful of cities. It also means you could wait a lot longer in order to get a driver with a high enough rating. It’s cool, but I wouldn’t get too excited by it.
The 5X points on flights and hotels booked directly with airlines is a pretty amazing perk. But I wouldn’t use it myself on flights. Honestly, I only book flights directly through airlines. I’ve heard too many horror stories from sites like Expedia or Orbitz. A good friend of mine booked a flight through Expedia and the airline never received the notice, so they didn’t reserve a ticket for him. He didn’t find out until he showed up for his connecting flight and had to buy another ticket on the spot for a crazy price. The worst part is it took him 9 months to get a refund from Expedia. I avoid that nonsense completely by finding the flight I want through Hipmunk or Google Flights, then booking directly through the airline.
One of the best perks of the Amex Platinum is getting access to the Centurion Lounges. These lounges are swanky — some of the nicest lounges out there. Unfortunately, they’re not in that many airports yet. Check to see if your main airport has one there. If you fly out of or through one of these airports regularly, this perk is a game-changer and is worth the annual fee on its own.
What about the 1000+ other lounges?
Credit card companies always inflate lounge access numbers. They’ll include a bunch of third-rate lounges that you’ll never want to go to anyway. Or they’ll add airport restaurants that offer a $20 discount off your meal in order to call that a “lounge.” When looking at lounge perks, I always check the exact lounges that are included in the airports that I fly through regularly.
So don’t assume you’ll be able to walk into any lounge. The majority of lounges will be out of your reach.
American Express Blue Cash Preferred
“Earn a $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
6% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
$95 annual fee.
Terms Apply.”
Do you have a long commute and spend over $100 per week in groceries?
For families, getting 6% cash back on groceries is amazing. Most families easily spend over $100 per week on groceries, so it won’t be hard to hit the annual cash back limit. You’ll hit it if you spend $115 per week — that works out to $360 in cash back per year on groceries that you have to buy anyway. That’s like getting 3 weeks of groceries for free. It’s too bad there’s a cap. This card would be incredible if there wasn’t one.
The other key perk on the American Express Blue Cash is the 3% cash back on gas. Right now, this wouldn’t do anything for me since I live in a city and rarely drive. But when I was growing up, gas was one of my biggest expense categories. I lived in a small town in Colorado that was 45 minutes from anything. My family and I were filling up our gas tanks every 2-3 days. Getting 3% cash back would have been amazing.
You’ll also get 3% cash back on streaming subscriptions and transit (taxis/rideshare, buses, parking, tolls, trains, etc.). The streaming cash back is nice, but there’s only so much any of us can spend on streaming in a given month. And while I know folks that spend a ton of money on rideshares, they tend to get the Chase Reserve card since they spend even more money on travel and restaurants. The cash back on these categories will help but I wouldn’t expect it to make a major difference in your rewards.
Watch out for the 2.7% foreign transaction fee on this card. I’d avoid using it when traveling internationally.
In other words, if you have a family and a long commute, consider getting the Amex Blue Cash to maximize your rewards on groceries and gas.
Should you get multiple rewards cards?
Don’t even consider having multiple cards until you’re comfortably spending over $3,000 per month.
I do recommend getting two rewards cards sooner rather than later if you want an American Express card. As great as the American Express cards are, plenty of businesses don’t accept them. So you’ll want a backup Visa or Mastercard when you can’t use your American Express. For a backup rewards card, I’d get one with a lower annual fee since you won’t be using it as often.
I might consider getting two rewards cards if my lifestyle covered multiple rewards programs. Let’s say I was spending a lot of money on gas, restaurants, and travel every month. In that case, the Chase Sapphire Reserve and American Express Blue Cash Preferred would be a great combo. I’d put all my groceries and gas on my American Express Blue Cash Preferred and put my travel and restaurant expenses on my Chase Sapphire Reserve. I’d rack up a ton of points and cash back with a system that I could easily remember.
I set a limit for myself of only having 2-3 cards. After that, things get too complicated.
The best rewards credit cards of 2019 is a post from: I Will Teach You To Be Rich.
from Finance https://www.iwillteachyoutoberich.com/blog/best-rewards-credit-cards/ via http://www.rssmix.com/
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andrewdburton · 5 years
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The best rewards credit cards of 2019
If your goal is to maximize rewards, get the best bonuses, and play the points game no matter the cost…
You’re on the wrong page.
We have a different philosophy on rewards credit cards.
It’s the same philosophy that we have for all of personal finance: ignore the small stuff and focus on the Big Wins.
Points hacking is small stuff.
Finding a great rewards card you can depend on and then never thinking about it again is a big win.
Finding the best card for you is pretty simple when your goal is to maximize your rewards with the least amount of effort possible. The main decision you’ll need to make is to get a travel points or a cash back card. We’ve sorted through hundreds of credit card offers to find the best card for both categories.
There are a few other situation-specific cards to consider too. All-in, there are only six cards that are worth looking at.
We’ve done a deep dive on all these cards below.
What makes a great rewards card
The usual advice focuses on how to squeeze out every last percentage point from restaurants, gas, groceries, and 50 other categories.
I disagree.
You see, we need to factor in the effort required to get the rewards.
Some cards have rotating spending categories and all sorts of hoops for you to jump through in order to hit some hypothetical maximum reward.
At I Will Teach You To Be Rich, we’re adamantly against these types of games.
A few extra rewards points are not going to fundamentally change your lifestyle. Automating your finances, getting a great rewards card that doesn’t require ongoing effort, and then focusing on bigger wins WILL change your life.
The best rewards credit cards have rewards programs that are easy to understand, require little to no maintenance, and yield at least 1.5% back in cash or rewards. Add in a few perks and you’ve got a great card.
Should you get a travel or cash back rewards card?
Whether to get a travel or cash back card comes down to one simple question.
What’s more important to you, the value of the rewards or simplicity?
If you want to get every dollar in rewards possible, travel rewards programs always beat cash back cards. For credit card companies, there’s always a percentage of people who forget to spend their points, so they’re able to increase the value of their points over a more straightforward cash back program.
Of course, don’t get a travel points card if you hate to travel. That would be … unhelpful. It’s still worth it as long as you travel once per year.
Maximizing the value of your rewards does come with an extra cost though. You’ll have to manage your points. They’ll accrue in your credit card account and you’ll have to make choices on when and where to spend them. For example, different redemption methods have different values. The American Express Membership Rewards points are worth $0.07 on Amazon and $0.10 on Uber. Every card has its own redemption methods with its own values.
You could use the rule of thumb of always redeeming your points for miles on an airline program. This is a good rule, and it’ll usually maximize the value of your points. But you still have to transfer your points to miles. Each credit card points program will transfer to some airline programs and not others. And once you get your points into the right miles program, you’ll have to deal with whatever points restrictions your airline has (blackout dates, only certain flights being available, etc.). To add even more complexity, some credit card programs allow you to book flights and hotels directly through them, but then there’s a separate set of restrictions and point values that you have to deal with.
Sounds like a pain? It is.
For me, the extra hassle is worth the free international flights that I’ve been able to get.
If the extra hassle of a travel rewards programs sounds exhausting, get a cash back rewards card instead.
Cash back cards still have plenty of benefit without any work:
You get a straight percentage back on all charges to your card.
The cash back shows up on your statements either automatically or with very little effort. Worst case, you’ll have to log in and hit a button to initiate the cash back.
While some cash back cards have maximum payouts, rotating categories, and other nonsense, there’s plenty of cards that keep things ultra simple.
That’s as simple as it’s going to get.
Here’s how to make your decision:
To maximize the value of your points, get a travel rewards card.
To maximize simplicity, get a cash back card.
How we evaluate credit cards
These are the criteria that we used to whittle hundreds of credit cards down to the few cards that we recommend.
Rewards or cash back program
How many points or how much cash back does a card earn? And under what conditions?
This is where the bulk of rewards value comes from, so when in doubt, choose the card with the better rewards program.
And watch for restrictions on rewards. It’s common to have a points boost of 5X on a spending category combined with a cap or restriction on how that charge is made. Some of the travel cards force you to book through their website in order to get the full points bonus on that charge. To me, that significantly reduces the value of the card. I place a lot of value on flexibility and choice.
Get a deep understanding of your card’s rewards program so you know exactly how it’ll work.
Bonus value
Most credit cards have a bonus offer for new customers. It usually works like this:
Get X if you spend $Y within Z days.
Hit that milestone and you’ll get the bonus added to your account within a few months.
Be careful with these though. If the spending amount is a huge stretch for you, it’s a sign that the card isn’t a good fit for your current spending habits. Whenever I’m looking at a bonus program, I only consider it if I can easily hit the spending amounts that trigger the bonus.
One hack is to get a new card around the same time that you’re making a larger purchase that you already planned and saved for. Furniture is a great fit for this. If you’re already planning on getting a new couch or mattress, that could get you the bonus on its own. Get your new card, make the purchase, immediately pay down the balance with the money you already saved, get your bonus.
While it’s good to look around for the best bonus promo on the card you want, we never choose cards based on the bonus program alone:
You’ll be using the card for years, the perks matter a lot more than the bonus.
Points are not created equal. One card might offer 100,000 bonus points while another offers 60,000 points. There’s no way to tell which one has the better deal without really digging into the value of their points programs.
Just about every great card has a decent bonus.
Point hackers will chase bonus programs but we don’t recommend that approach. There are more important things for you to focus on.
We recommend choosing the card you want based on the rewards program and perks. Then accept whatever bonus the card happens to offer.
Perks
There are a number of perks that you might get from your credit card. For some, perks are more important than rewards.
Most credit cards have a host of perks that we all forget about, like car rental insurance and lost luggage protection. Standard perks that come with most cards:
Rental car insurance
Purchase protection
Return protection
Extended warranties
Trip cancellation insurance
Lost luggage replacement
These perks are so ubiquitous that you don’t have to factor them in when choosing the card you want. If one of them is super important to you, double check and make sure the card you’re considering does have it.
There ARE perks that only come with certain cards. These are the perks we get excited about. They include:
Uber reimbursement
Global Entry and TSA Precheck reimbursement
Lounge access
Travel reimbursement
Hotel upgrades and credits
If a perk is super valuable to you, it could be worth getting a less valuable rewards program just for the perk. Frankly, this is why most people get the American Express Platinum. Access to the Centurion lounges makes flying much more enjoyable.
Fees
Some credit card fees matter more than others.
While we absolutely hate maintenance fees on checking and savings accounts, all the best rewards cards have annual fees. The rewards and perks easily cover the annual fees as long as you’re regularly using the card. Cards tend to fall into three tiers with their annual fees:
No annual fee: There are no-fee cash back and rewards cards out there. The perks and rewards will be limited but it is possible to get a no-annual-fee rewards card.
$100 annual fee: Most of the good rewards programs start with annual fees in $90-100 range. This is a good level for your first rewards card.
$500 annual fee: The best cards are at this level, like the American Express Platinum and Chase Sapphire Reserve. They have perks none of the other cards have.
If cash is tight and you’re watching every dollar, get a no-annual-fee card. Once you’re more financially comfortable, the $100 annual fee cards open up the real rewards programs. And after you’re making $100,000 or more per year, get one of the $500 annual fee cards to maximize your rewards.
There are other fees to look out for too, like the foreign transaction fee.
I hate foreign transaction fees. I travel internationally a few times a year and I only choose cards without them. Traveling is expensive enough — the last thing I want is a 1-3% charge on top of everything.
Even if you don’t travel and you don’t think this is a big deal, you can still get hit with a foreign transaction fee within the U.S. The fee triggers any time a charge goes through a foreign bank. So if you buy something online, even if the price is in U.S. dollars, you could get an extra fee without realizing it.
Plenty of cards still have foreign transaction fees, so watch for this if you travel.
Simplicity
Some folks love playing points games.
I am not one of those people.
I want 1-2 cards that I can always default to. I’d much rather get 80% of the value without having to spend any time thinking about points.
No matter how good the rewards program is, it’s just not worth the effort if I have to actively think about it. I have plenty of more important things that need my attention.
When looking at rewards programs, look out for these common traps:
Rotating rewards categories. Cards that change the rules are never worth the extra effort in our opinion.
Increased rewards for minor spending categories. I don’t really care if I get 10X points when buying 7-Eleven slushies. Give me a break. I need categories where I spend regularly.
Points that get locked up in obscure programs. Yes, a random hotel credit card might give more points per dollar than other cards. But are the points worth anything if you can only use them at a hotel you never wanted to go to?
If a rewards program has too many restrictions, we don’t include it in our recommended cards.
What about the card APR?
I never pay attention to it. I can’t even tell you what the APRs are on my cards because I always pay the balance off every month.
Look, if you don’t pay off your balance every month, it’s not worth doing a rewards program at all. You’ll pay more in interest than you’ll ever get back in rewards. Get out of debt, get ahead of your spending, and build a habit of paying off your balances.
First build the financial habits and stability to pay off your balance every month. Then, and only then, should you get a rewards credit card.
The two best rewards credit cards
So what are the best rewards and cash back cards? Here are our recommendations.
Chase Sapphire Reserve
The best overall rewards credit card
“Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
Named “”Best Premium Travel Credit Card”” for 2018 by MONEY® Magazine
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Up to $100 application fee credit for Global Entry or TSA Pre✓®”
If you travel at all, get this card. The perks are phenomenal.
First, you get $300 reimbursed every year on travel charges. I just booked a domestic flight yesterday and I got the whole flight reimbursed.
No foreign transaction fees either. The card’s also a Visa, which is the most widely accepted card internationally. That’s as good as it gets for having a reliable credit card to use internationally.
Global Entry and TSA Precheck were game changers for me when traveling. Half my stress and anxiety when traveling was eliminated. I never imagined how much better I’d feel without having to take my shoes off or my laptop out when going through security. Getting the application reimbursed is an amazing perk. Pro-tip: Get Global Entry, which includes TSA Precheck and is only slightly more expensive.
I spend a lot on travel and food. For racking up points, the Chase Sapphire Reserve is perfect for me. I get 3X on the majority of my spending. If only they had 3X points on cashmere sweaters, I would be in heaven.
There is one big downside: the $450 annual fee. That’s high for a lot of people.
The travel and Global Entry reimbursements do cover most of the fee. With the $300 annual travel reimbursement, the annual fee comes down to $150. We also have the $100 credit for Global Entry or TSA Precheck. These programs last 5 years, so that equals $20 per year. Basically, the real annual fee is $130.
When most travel rewards cards have annual fees of $95, paying $130 for the Chase Sapphire Reserve in order to get 3X points on travel and restaurants is a fantastic deal.
Citi Double Cash
The best cash back credit card
“Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Balance Transfers do not earn cash back
0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% – 25.74% based on your creditworthiness*
Click ‘Apply Now’ to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
No categories to track, no caps on cash back, no annual fee*”
I love the simplicity of this card. 2% cash back, no nonsense. Get your first 1% cash back when you spend, get another 1% when you pay down the charge. There’s no cash back limits and no annual fee either.
You won’t get cash back on any balance transfers but that’s pretty reasonable in our view.
There isn’t much in the way of perks, but that’s not why you should be considering this card in the first place.
It’s a no-frills, ultra-simple, maximize your cash back card.
For those of you who want to get a card and never think about your rewards every again, the Citi Double Cash is the card for you.
There is one major downside to the Citi Double Cash card. It has a 3% foreign transaction fee, which is super high. If you travel regularly, the 3% fee will stack up fast and negate any of the cash back rewards that you’ve earned. So only get the Citi Double Cash card if you rarely travel internationally. If you do travel regularly, I have another cash back option for you later on in this post.
Other cards to consider
Depending on your circumstances, there are a few other cards that could be the best option for you. Let’s go through them.
Chase Sapphire Preferred
“Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
1:1 point transfer to leading airline and hotel loyalty programs
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”
The Chase Sapphire Preferred has a slightly less valuable points program and fewer perks than the Chase Sapphire Reserve. And the Sapphire Preferred comes with a smaller annual fee at $95.
You’ll still get 2X points on travel at restaurants, a great bonus offer, and no foreign transaction fees.
But you’ll be missing the travel credit, Priority Pass™ Select for lounge access, and the Global Entry or TSA Precheck credit. And you’ll only be getting 2X points instead of 3X points on travel and restaurants.
We recommend getting the Sapphire Preferred if the $450 annual fee on the Sapphire Reserve is too much of a stretch. The Sapphire Preferred is a great first step into the world of rewards credit cards that have annual fees. Plus, you can always upgrade to the Sapphire Reserve later.
If you make more than $100,000 per year, you should probably go straight to the Sapphire Reserve card.
Capital One Quicksilver Cash Rewards
“One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Pay no annual fee or foreign transaction fees
See if you qualify for a better offer with Capital One:”
Yes, the 1.5% cash back isn’t as high as the 2% cash back from the Citi Double Cash.
But the Capital One Quicksilver has no foreign transaction fees, which means it’s perfect for folks who travel internationally and want the simplicity of a cash back card.
The annual fee does depend on your credit score. If it’s good enough, it’ll be waived. Otherwise the annual fee is $39.
If you travel internationally once per year and want a cash back card, we recommend getting the Capital One Quicksilver card.
American Express Platinum
“Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
$550 annual fee.
Terms Apply.”
The Amex Platinum is all about the perks. If you’re looking to get perks that none of the other cards have, this is the card for you.
The Uber reimbursement is awesome. I easily spend $15/month on Uber rides, so that’s money right back in my pocket.
What’s the Uber VIP status that comes with the card? It’s an exclusive option that will match you with drivers who have a rating of 4.8 and above. It’s certainly nice, but it’s only available in a handful of cities. It also means you could wait a lot longer in order to get a driver with a high enough rating. It’s cool, but I wouldn’t get too excited by it.
The 5X points on flights and hotels booked directly with airlines is a pretty amazing perk. But I wouldn’t use it myself on flights. Honestly, I only book flights directly through airlines. I’ve heard too many horror stories from sites like Expedia or Orbitz. A good friend of mine booked a flight through Expedia and the airline never received the notice, so they didn’t reserve a ticket for him. He didn’t find out until he showed up for his connecting flight and had to buy another ticket on the spot for a crazy price. The worst part is it took him 9 months to get a refund from Expedia. I avoid that nonsense completely by finding the flight I want through Hipmunk or Google Flights, then booking directly through the airline.
One of the best perks of the Amex Platinum is getting access to the Centurion Lounges. These lounges are swanky — some of the nicest lounges out there. Unfortunately, they’re not in that many airports yet. Check to see if your main airport has one there. If you fly out of or through one of these airports regularly, this perk is a game-changer and is worth the annual fee on its own.
What about the 1000+ other lounges?
Credit card companies always inflate lounge access numbers. They’ll include a bunch of third-rate lounges that you’ll never want to go to anyway. Or they’ll add airport restaurants that offer a $20 discount off your meal in order to call that a “lounge.” When looking at lounge perks, I always check the exact lounges that are included in the airports that I fly through regularly.
So don’t assume you’ll be able to walk into any lounge. The majority of lounges will be out of your reach.
American Express Blue Cash Preferred
“Earn a $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
6% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
$95 annual fee.
Terms Apply.”
Do you have a long commute and spend over $100 per week in groceries?
For families, getting 6% cash back on groceries is amazing. Most families easily spend over $100 per week on groceries, so it won’t be hard to hit the annual cash back limit. You’ll hit it if you spend $115 per week — that works out to $360 in cash back per year on groceries that you have to buy anyway. That’s like getting 3 weeks of groceries for free. It’s too bad there’s a cap. This card would be incredible if there wasn’t one.
The other key perk on the American Express Blue Cash is the 3% cash back on gas. Right now, this wouldn’t do anything for me since I live in a city and rarely drive. But when I was growing up, gas was one of my biggest expense categories. I lived in a small town in Colorado that was 45 minutes from anything. My family and I were filling up our gas tanks every 2-3 days. Getting 3% cash back would have been amazing.
You’ll also get 3% cash back on streaming subscriptions and transit (taxis/rideshare, buses, parking, tolls, trains, etc.). The streaming cash back is nice, but there’s only so much any of us can spend on streaming in a given month. And while I know folks that spend a ton of money on rideshares, they tend to get the Chase Reserve card since they spend even more money on travel and restaurants. The cash back on these categories will help but I wouldn’t expect it to make a major difference in your rewards.
Watch out for the 2.7% foreign transaction fee on this card. I’d avoid using it when traveling internationally.
In other words, if you have a family and a long commute, consider getting the Amex Blue Cash to maximize your rewards on groceries and gas.
Should you get multiple rewards cards?
Don’t even consider having multiple cards until you’re comfortably spending over $3,000 per month.
I do recommend getting two rewards cards sooner rather than later if you want an American Express card. As great as the American Express cards are, plenty of businesses don’t accept them. So you’ll want a backup Visa or Mastercard when you can’t use your American Express. For a backup rewards card, I’d get one with a lower annual fee since you won’t be using it as often.
I might consider getting two rewards cards if my lifestyle covered multiple rewards programs. Let’s say I was spending a lot of money on gas, restaurants, and travel every month. In that case, the Chase Sapphire Reserve and American Express Blue Cash Preferred would be a great combo. I’d put all my groceries and gas on my American Express Blue Cash Preferred and put my travel and restaurant expenses on my Chase Sapphire Reserve. I’d rack up a ton of points and cash back with a system that I could easily remember.
I set a limit for myself of only having 2-3 cards. After that, things get too complicated.
The best rewards credit cards of 2019 is a post from: I Will Teach You To Be Rich.
from Finance https://www.iwillteachyoutoberich.com/blog/best-rewards-credit-cards/ via http://www.rssmix.com/
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paulckrueger · 5 years
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The best rewards credit cards of 2019
If your goal is to maximize rewards, get the best bonuses, and play the points game no matter the cost…
You’re on the wrong page.
We have a different philosophy on rewards credit cards.
It’s the same philosophy that we have for all of personal finance: ignore the small stuff and focus on the Big Wins.
Points hacking is small stuff.
Finding a great rewards card you can depend on and then never thinking about it again is a big win.
Finding the best card for you is pretty simple when your goal is to maximize your rewards with the least amount of effort possible. The main decision you’ll need to make is to get a travel points or a cash back card. We’ve sorted through hundreds of credit card offers to find the best card for both categories.
There are a few other situation-specific cards to consider too. All-in, there are only six cards that are worth looking at.
We’ve done a deep dive on all these cards below.
What makes a great rewards card
The usual advice focuses on how to squeeze out every last percentage point from restaurants, gas, groceries, and 50 other categories.
I disagree.
You see, we need to factor in the effort required to get the rewards.
Some cards have rotating spending categories and all sorts of hoops for you to jump through in order to hit some hypothetical maximum reward.
At I Will Teach You To Be Rich, we’re adamantly against these types of games.
A few extra rewards points are not going to fundamentally change your lifestyle. Automating your finances, getting a great rewards card that doesn’t require ongoing effort, and then focusing on bigger wins WILL change your life.
The best rewards credit cards have rewards programs that are easy to understand, require little to no maintenance, and yield at least 1.5% back in cash or rewards. Add in a few perks and you’ve got a great card.
Should you get a travel or cash back rewards card?
Whether to get a travel or cash back card comes down to one simple question.
What’s more important to you, the value of the rewards or simplicity?
If you want to get every dollar in rewards possible, travel rewards programs always beat cash back cards. For credit card companies, there’s always a percentage of people who forget to spend their points, so they’re able to increase the value of their points over a more straightforward cash back program.
Of course, don’t get a travel points card if you hate to travel. That would be … unhelpful. It’s still worth it as long as you travel once per year.
Maximizing the value of your rewards does come with an extra cost though. You’ll have to manage your points. They’ll accrue in your credit card account and you’ll have to make choices on when and where to spend them. For example, different redemption methods have different values. The American Express Membership Rewards points are worth $0.07 on Amazon and $0.10 on Uber. Every card has its own redemption methods with its own values.
You could use the rule of thumb of always redeeming your points for miles on an airline program. This is a good rule, and it’ll usually maximize the value of your points. But you still have to transfer your points to miles. Each credit card points program will transfer to some airline programs and not others. And once you get your points into the right miles program, you’ll have to deal with whatever points restrictions your airline has (blackout dates, only certain flights being available, etc.). To add even more complexity, some credit card programs allow you to book flights and hotels directly through them, but then there’s a separate set of restrictions and point values that you have to deal with.
Sounds like a pain? It is.
For me, the extra hassle is worth the free international flights that I’ve been able to get.
If the extra hassle of a travel rewards programs sounds exhausting, get a cash back rewards card instead.
Cash back cards still have plenty of benefit without any work:
You get a straight percentage back on all charges to your card.
The cash back shows up on your statements either automatically or with very little effort. Worst case, you’ll have to log in and hit a button to initiate the cash back.
While some cash back cards have maximum payouts, rotating categories, and other nonsense, there’s plenty of cards that keep things ultra simple.
That’s as simple as it’s going to get.
Here’s how to make your decision:
To maximize the value of your points, get a travel rewards card.
To maximize simplicity, get a cash back card.
How we evaluate credit cards
These are the criteria that we used to whittle hundreds of credit cards down to the few cards that we recommend.
Rewards or cash back program
How many points or how much cash back does a card earn? And under what conditions?
This is where the bulk of rewards value comes from, so when in doubt, choose the card with the better rewards program.
And watch for restrictions on rewards. It’s common to have a points boost of 5X on a spending category combined with a cap or restriction on how that charge is made. Some of the travel cards force you to book through their website in order to get the full points bonus on that charge. To me, that significantly reduces the value of the card. I place a lot of value on flexibility and choice.
Get a deep understanding of your card’s rewards program so you know exactly how it’ll work.
Bonus value
Most credit cards have a bonus offer for new customers. It usually works like this:
Get X if you spend $Y within Z days.
Hit that milestone and you’ll get the bonus added to your account within a few months.
Be careful with these though. If the spending amount is a huge stretch for you, it’s a sign that the card isn’t a good fit for your current spending habits. Whenever I’m looking at a bonus program, I only consider it if I can easily hit the spending amounts that trigger the bonus.
One hack is to get a new card around the same time that you’re making a larger purchase that you already planned and saved for. Furniture is a great fit for this. If you’re already planning on getting a new couch or mattress, that could get you the bonus on its own. Get your new card, make the purchase, immediately pay down the balance with the money you already saved, get your bonus.
While it’s good to look around for the best bonus promo on the card you want, we never choose cards based on the bonus program alone:
You’ll be using the card for years, the perks matter a lot more than the bonus.
Points are not created equal. One card might offer 100,000 bonus points while another offers 60,000 points. There’s no way to tell which one has the better deal without really digging into the value of their points programs.
Just about every great card has a decent bonus.
Point hackers will chase bonus programs but we don’t recommend that approach. There are more important things for you to focus on.
We recommend choosing the card you want based on the rewards program and perks. Then accept whatever bonus the card happens to offer.
Perks
There are a number of perks that you might get from your credit card. For some, perks are more important than rewards.
Most credit cards have a host of perks that we all forget about, like car rental insurance and lost luggage protection. Standard perks that come with most cards:
Rental car insurance
Purchase protection
Return protection
Extended warranties
Trip cancellation insurance
Lost luggage replacement
These perks are so ubiquitous that you don’t have to factor them in when choosing the card you want. If one of them is super important to you, double check and make sure the card you’re considering does have it.
There ARE perks that only come with certain cards. These are the perks we get excited about. They include:
Uber reimbursement
Global Entry and TSA Precheck reimbursement
Lounge access
Travel reimbursement
Hotel upgrades and credits
If a perk is super valuable to you, it could be worth getting a less valuable rewards program just for the perk. Frankly, this is why most people get the American Express Platinum. Access to the Centurion lounges makes flying much more enjoyable.
Fees
Some credit card fees matter more than others.
While we absolutely hate maintenance fees on checking and savings accounts, all the best rewards cards have annual fees. The rewards and perks easily cover the annual fees as long as you’re regularly using the card. Cards tend to fall into three tiers with their annual fees:
No annual fee: There are no-fee cash back and rewards cards out there. The perks and rewards will be limited but it is possible to get a no-annual-fee rewards card.
$100 annual fee: Most of the good rewards programs start with annual fees in $90-100 range. This is a good level for your first rewards card.
$500 annual fee: The best cards are at this level, like the American Express Platinum and Chase Sapphire Reserve. They have perks none of the other cards have.
If cash is tight and you’re watching every dollar, get a no-annual-fee card. Once you’re more financially comfortable, the $100 annual fee cards open up the real rewards programs. And after you’re making $100,000 or more per year, get one of the $500 annual fee cards to maximize your rewards.
There are other fees to look out for too, like the foreign transaction fee.
I hate foreign transaction fees. I travel internationally a few times a year and I only choose cards without them. Traveling is expensive enough — the last thing I want is a 1-3% charge on top of everything.
Even if you don’t travel and you don’t think this is a big deal, you can still get hit with a foreign transaction fee within the U.S. The fee triggers any time a charge goes through a foreign bank. So if you buy something online, even if the price is in U.S. dollars, you could get an extra fee without realizing it.
Plenty of cards still have foreign transaction fees, so watch for this if you travel.
Simplicity
Some folks love playing points games.
I am not one of those people.
I want 1-2 cards that I can always default to. I’d much rather get 80% of the value without having to spend any time thinking about points.
No matter how good the rewards program is, it’s just not worth the effort if I have to actively think about it. I have plenty of more important things that need my attention.
When looking at rewards programs, look out for these common traps:
Rotating rewards categories. Cards that change the rules are never worth the extra effort in our opinion.
Increased rewards for minor spending categories. I don’t really care if I get 10X points when buying 7-Eleven slushies. Give me a break. I need categories where I spend regularly.
Points that get locked up in obscure programs. Yes, a random hotel credit card might give more points per dollar than other cards. But are the points worth anything if you can only use them at a hotel you never wanted to go to?
If a rewards program has too many restrictions, we don’t include it in our recommended cards.
What about the card APR?
I never pay attention to it. I can’t even tell you what the APRs are on my cards because I always pay the balance off every month.
Look, if you don’t pay off your balance every month, it’s not worth doing a rewards program at all. You’ll pay more in interest than you’ll ever get back in rewards. Get out of debt, get ahead of your spending, and build a habit of paying off your balances.
First build the financial habits and stability to pay off your balance every month. Then, and only then, should you get a rewards credit card.
The two best rewards credit cards
So what are the best rewards and cash back cards? Here are our recommendations.
Chase Sapphire Reserve
The best overall rewards credit card
“Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
Named “”Best Premium Travel Credit Card”” for 2018 by MONEY® Magazine
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Up to $100 application fee credit for Global Entry or TSA Pre✓®”
If you travel at all, get this card. The perks are phenomenal.
First, you get $300 reimbursed every year on travel charges. I just booked a domestic flight yesterday and I got the whole flight reimbursed.
No foreign transaction fees either. The card’s also a Visa, which is the most widely accepted card internationally. That’s as good as it gets for having a reliable credit card to use internationally.
Global Entry and TSA Precheck were game changers for me when traveling. Half my stress and anxiety when traveling was eliminated. I never imagined how much better I’d feel without having to take my shoes off or my laptop out when going through security. Getting the application reimbursed is an amazing perk. Pro-tip: Get Global Entry, which includes TSA Precheck and is only slightly more expensive.
I spend a lot on travel and food. For racking up points, the Chase Sapphire Reserve is perfect for me. I get 3X on the majority of my spending. If only they had 3X points on cashmere sweaters, I would be in heaven.
There is one big downside: the $450 annual fee. That’s high for a lot of people.
The travel and Global Entry reimbursements do cover most of the fee. With the $300 annual travel reimbursement, the annual fee comes down to $150. We also have the $100 credit for Global Entry or TSA Precheck. These programs last 5 years, so that equals $20 per year. Basically, the real annual fee is $130.
When most travel rewards cards have annual fees of $95, paying $130 for the Chase Sapphire Reserve in order to get 3X points on travel and restaurants is a fantastic deal.
Citi Double Cash
The best cash back credit card
“Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Balance Transfers do not earn cash back
0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% – 25.74% based on your creditworthiness*
Click ‘Apply Now’ to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
No categories to track, no caps on cash back, no annual fee*”
I love the simplicity of this card. 2% cash back, no nonsense. Get your first 1% cash back when you spend, get another 1% when you pay down the charge. There’s no cash back limits and no annual fee either.
You won’t get cash back on any balance transfers but that’s pretty reasonable in our view.
There isn’t much in the way of perks, but that’s not why you should be considering this card in the first place.
It’s a no-frills, ultra-simple, maximize your cash back card.
For those of you who want to get a card and never think about your rewards every again, the Citi Double Cash is the card for you.
There is one major downside to the Citi Double Cash card. It has a 3% foreign transaction fee, which is super high. If you travel regularly, the 3% fee will stack up fast and negate any of the cash back rewards that you’ve earned. So only get the Citi Double Cash card if you rarely travel internationally. If you do travel regularly, I have another cash back option for you later on in this post.
Other cards to consider
Depending on your circumstances, there are a few other cards that could be the best option for you. Let’s go through them.
Chase Sapphire Preferred
“Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
1:1 point transfer to leading airline and hotel loyalty programs
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”
The Chase Sapphire Preferred has a slightly less valuable points program and fewer perks than the Chase Sapphire Reserve. And the Sapphire Preferred comes with a smaller annual fee at $95.
You’ll still get 2X points on travel at restaurants, a great bonus offer, and no foreign transaction fees.
But you’ll be missing the travel credit, Priority Pass™ Select for lounge access, and the Global Entry or TSA Precheck credit. And you’ll only be getting 2X points instead of 3X points on travel and restaurants.
We recommend getting the Sapphire Preferred if the $450 annual fee on the Sapphire Reserve is too much of a stretch. The Sapphire Preferred is a great first step into the world of rewards credit cards that have annual fees. Plus, you can always upgrade to the Sapphire Reserve later.
If you make more than $100,000 per year, you should probably go straight to the Sapphire Reserve card.
Capital One Quicksilver Cash Rewards
“One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Pay no annual fee or foreign transaction fees
See if you qualify for a better offer with Capital One:”
Yes, the 1.5% cash back isn’t as high as the 2% cash back from the Citi Double Cash.
But the Capital One Quicksilver has no foreign transaction fees, which means it’s perfect for folks who travel internationally and want the simplicity of a cash back card.
The annual fee does depend on your credit score. If it’s good enough, it’ll be waived. Otherwise the annual fee is $39.
If you travel internationally once per year and want a cash back card, we recommend getting the Capital One Quicksilver card.
American Express Platinum
“Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
$550 annual fee.
Terms Apply.”
The Amex Platinum is all about the perks. If you’re looking to get perks that none of the other cards have, this is the card for you.
The Uber reimbursement is awesome. I easily spend $15/month on Uber rides, so that’s money right back in my pocket.
What’s the Uber VIP status that comes with the card? It’s an exclusive option that will match you with drivers who have a rating of 4.8 and above. It’s certainly nice, but it’s only available in a handful of cities. It also means you could wait a lot longer in order to get a driver with a high enough rating. It’s cool, but I wouldn’t get too excited by it.
The 5X points on flights and hotels booked directly with airlines is a pretty amazing perk. But I wouldn’t use it myself on flights. Honestly, I only book flights directly through airlines. I’ve heard too many horror stories from sites like Expedia or Orbitz. A good friend of mine booked a flight through Expedia and the airline never received the notice, so they didn’t reserve a ticket for him. He didn’t find out until he showed up for his connecting flight and had to buy another ticket on the spot for a crazy price. The worst part is it took him 9 months to get a refund from Expedia. I avoid that nonsense completely by finding the flight I want through Hipmunk or Google Flights, then booking directly through the airline.
One of the best perks of the Amex Platinum is getting access to the Centurion Lounges. These lounges are swanky — some of the nicest lounges out there. Unfortunately, they’re not in that many airports yet. Check to see if your main airport has one there. If you fly out of or through one of these airports regularly, this perk is a game-changer and is worth the annual fee on its own.
What about the 1000+ other lounges?
Credit card companies always inflate lounge access numbers. They’ll include a bunch of third-rate lounges that you’ll never want to go to anyway. Or they’ll add airport restaurants that offer a $20 discount off your meal in order to call that a “lounge.” When looking at lounge perks, I always check the exact lounges that are included in the airports that I fly through regularly.
So don’t assume you’ll be able to walk into any lounge. The majority of lounges will be out of your reach.
American Express Blue Cash Preferred
“Earn a $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
6% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
$95 annual fee.
Terms Apply.”
Do you have a long commute and spend over $100 per week in groceries?
For families, getting 6% cash back on groceries is amazing. Most families easily spend over $100 per week on groceries, so it won’t be hard to hit the annual cash back limit. You’ll hit it if you spend $115 per week — that works out to $360 in cash back per year on groceries that you have to buy anyway. That’s like getting 3 weeks of groceries for free. It’s too bad there’s a cap. This card would be incredible if there wasn’t one.
The other key perk on the American Express Blue Cash is the 3% cash back on gas. Right now, this wouldn’t do anything for me since I live in a city and rarely drive. But when I was growing up, gas was one of my biggest expense categories. I lived in a small town in Colorado that was 45 minutes from anything. My family and I were filling up our gas tanks every 2-3 days. Getting 3% cash back would have been amazing.
You’ll also get 3% cash back on streaming subscriptions and transit (taxis/rideshare, buses, parking, tolls, trains, etc.). The streaming cash back is nice, but there’s only so much any of us can spend on streaming in a given month. And while I know folks that spend a ton of money on rideshares, they tend to get the Chase Reserve card since they spend even more money on travel and restaurants. The cash back on these categories will help but I wouldn’t expect it to make a major difference in your rewards.
Watch out for the 2.7% foreign transaction fee on this card. I’d avoid using it when traveling internationally.
In other words, if you have a family and a long commute, consider getting the Amex Blue Cash to maximize your rewards on groceries and gas.
Should you get multiple rewards cards?
Don’t even consider having multiple cards until you’re comfortably spending over $3,000 per month.
I do recommend getting two rewards cards sooner rather than later if you want an American Express card. As great as the American Express cards are, plenty of businesses don’t accept them. So you’ll want a backup Visa or Mastercard when you can’t use your American Express. For a backup rewards card, I’d get one with a lower annual fee since you won’t be using it as often.
I might consider getting two rewards cards if my lifestyle covered multiple rewards programs. Let’s say I was spending a lot of money on gas, restaurants, and travel every month. In that case, the Chase Sapphire Reserve and American Express Blue Cash Preferred would be a great combo. I’d put all my groceries and gas on my American Express Blue Cash Preferred and put my travel and restaurant expenses on my Chase Sapphire Reserve. I’d rack up a ton of points and cash back with a system that I could easily remember.
I set a limit for myself of only having 2-3 cards. After that, things get too complicated.
The best rewards credit cards of 2019 is a post from: I Will Teach You To Be Rich.
from Surety Bond Brokers? Business https://www.iwillteachyoutoberich.com/blog/best-rewards-credit-cards/
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kennethherrerablog · 5 years
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The best rewards credit cards of 2019
If your goal is to maximize rewards, get the best bonuses, and play the points game no matter the cost…
You’re on the wrong page.
We have a different philosophy on rewards credit cards.
It’s the same philosophy that we have for all of personal finance: ignore the small stuff and focus on the Big Wins.
Points hacking is small stuff.
Finding a great rewards card you can depend on and then never thinking about it again is a big win.
Finding the best card for you is pretty simple when your goal is to maximize your rewards with the least amount of effort possible. The main decision you’ll need to make is to get a travel points or a cash back card. We’ve sorted through hundreds of credit card offers to find the best card for both categories.
There are a few other situation-specific cards to consider too. All-in, there are only six cards that are worth looking at.
We’ve done a deep dive on all these cards below.
What makes a great rewards card
The usual advice focuses on how to squeeze out every last percentage point from restaurants, gas, groceries, and 50 other categories.
I disagree.
You see, we need to factor in the effort required to get the rewards.
Some cards have rotating spending categories and all sorts of hoops for you to jump through in order to hit some hypothetical maximum reward.
At I Will Teach You To Be Rich, we’re adamantly against these types of games.
A few extra rewards points are not going to fundamentally change your lifestyle. Automating your finances, getting a great rewards card that doesn’t require ongoing effort, and then focusing on bigger wins WILL change your life.
The best rewards credit cards have rewards programs that are easy to understand, require little to no maintenance, and yield at least 1.5% back in cash or rewards. Add in a few perks and you’ve got a great card.
Should you get a travel or cash back rewards card?
Whether to get a travel or cash back card comes down to one simple question.
What’s more important to you, the value of the rewards or simplicity?
If you want to get every dollar in rewards possible, travel rewards programs always beat cash back cards. For credit card companies, there’s always a percentage of people who forget to spend their points, so they’re able to increase the value of their points over a more straightforward cash back program.
Of course, don’t get a travel points card if you hate to travel. That would be … unhelpful. It’s still worth it as long as you travel once per year.
Maximizing the value of your rewards does come with an extra cost though. You’ll have to manage your points. They’ll accrue in your credit card account and you’ll have to make choices on when and where to spend them. For example, different redemption methods have different values. The American Express Membership Rewards points are worth $0.07 on Amazon and $0.10 on Uber. Every card has its own redemption methods with its own values.
You could use the rule of thumb of always redeeming your points for miles on an airline program. This is a good rule, and it’ll usually maximize the value of your points. But you still have to transfer your points to miles. Each credit card points program will transfer to some airline programs and not others. And once you get your points into the right miles program, you’ll have to deal with whatever points restrictions your airline has (blackout dates, only certain flights being available, etc.). To add even more complexity, some credit card programs allow you to book flights and hotels directly through them, but then there’s a separate set of restrictions and point values that you have to deal with.
Sounds like a pain? It is.
For me, the extra hassle is worth the free international flights that I’ve been able to get.
If the extra hassle of a travel rewards programs sounds exhausting, get a cash back rewards card instead.
Cash back cards still have plenty of benefit without any work:
You get a straight percentage back on all charges to your card.
The cash back shows up on your statements either automatically or with very little effort. Worst case, you’ll have to log in and hit a button to initiate the cash back.
While some cash back cards have maximum payouts, rotating categories, and other nonsense, there’s plenty of cards that keep things ultra simple.
That’s as simple as it’s going to get.
Here’s how to make your decision:
To maximize the value of your points, get a travel rewards card.
To maximize simplicity, get a cash back card.
How we evaluate credit cards
These are the criteria that we used to whittle hundreds of credit cards down to the few cards that we recommend.
Rewards or cash back program
How many points or how much cash back does a card earn? And under what conditions?
This is where the bulk of rewards value comes from, so when in doubt, choose the card with the better rewards program.
And watch for restrictions on rewards. It’s common to have a points boost of 5X on a spending category combined with a cap or restriction on how that charge is made. Some of the travel cards force you to book through their website in order to get the full points bonus on that charge. To me, that significantly reduces the value of the card. I place a lot of value on flexibility and choice.
Get a deep understanding of your card’s rewards program so you know exactly how it’ll work.
Bonus value
Most credit cards have a bonus offer for new customers. It usually works like this:
Get X if you spend $Y within Z days.
Hit that milestone and you’ll get the bonus added to your account within a few months.
Be careful with these though. If the spending amount is a huge stretch for you, it’s a sign that the card isn’t a good fit for your current spending habits. Whenever I’m looking at a bonus program, I only consider it if I can easily hit the spending amounts that trigger the bonus.
One hack is to get a new card around the same time that you’re making a larger purchase that you already planned and saved for. Furniture is a great fit for this. If you’re already planning on getting a new couch or mattress, that could get you the bonus on its own. Get your new card, make the purchase, immediately pay down the balance with the money you already saved, get your bonus.
While it’s good to look around for the best bonus promo on the card you want, we never choose cards based on the bonus program alone:
You’ll be using the card for years, the perks matter a lot more than the bonus.
Points are not created equal. One card might offer 100,000 bonus points while another offers 60,000 points. There’s no way to tell which one has the better deal without really digging into the value of their points programs.
Just about every great card has a decent bonus.
Point hackers will chase bonus programs but we don’t recommend that approach. There are more important things for you to focus on.
We recommend choosing the card you want based on the rewards program and perks. Then accept whatever bonus the card happens to offer.
Perks
There are a number of perks that you might get from your credit card. For some, perks are more important than rewards.
Most credit cards have a host of perks that we all forget about, like car rental insurance and lost luggage protection. Standard perks that come with most cards:
Rental car insurance
Purchase protection
Return protection
Extended warranties
Trip cancellation insurance
Lost luggage replacement
These perks are so ubiquitous that you don’t have to factor them in when choosing the card you want. If one of them is super important to you, double check and make sure the card you’re considering does have it.
There ARE perks that only come with certain cards. These are the perks we get excited about. They include:
Uber reimbursement
Global Entry and TSA Precheck reimbursement
Lounge access
Travel reimbursement
Hotel upgrades and credits
If a perk is super valuable to you, it could be worth getting a less valuable rewards program just for the perk. Frankly, this is why most people get the American Express Platinum. Access to the Centurion lounges makes flying much more enjoyable.
Fees
Some credit card fees matter more than others.
While we absolutely hate maintenance fees on checking and savings accounts, all the best rewards cards have annual fees. The rewards and perks easily cover the annual fees as long as you’re regularly using the card. Cards tend to fall into three tiers with their annual fees:
No annual fee: There are no-fee cash back and rewards cards out there. The perks and rewards will be limited but it is possible to get a no-annual-fee rewards card.
$100 annual fee: Most of the good rewards programs start with annual fees in $90-100 range. This is a good level for your first rewards card.
$500 annual fee: The best cards are at this level, like the American Express Platinum and Chase Sapphire Reserve. They have perks none of the other cards have.
If cash is tight and you’re watching every dollar, get a no-annual-fee card. Once you’re more financially comfortable, the $100 annual fee cards open up the real rewards programs. And after you’re making $100,000 or more per year, get one of the $500 annual fee cards to maximize your rewards.
There are other fees to look out for too, like the foreign transaction fee.
I hate foreign transaction fees. I travel internationally a few times a year and I only choose cards without them. Traveling is expensive enough — the last thing I want is a 1-3% charge on top of everything.
Even if you don’t travel and you don’t think this is a big deal, you can still get hit with a foreign transaction fee within the U.S. The fee triggers any time a charge goes through a foreign bank. So if you buy something online, even if the price is in U.S. dollars, you could get an extra fee without realizing it.
Plenty of cards still have foreign transaction fees, so watch for this if you travel.
Simplicity
Some folks love playing points games.
I am not one of those people.
I want 1-2 cards that I can always default to. I’d much rather get 80% of the value without having to spend any time thinking about points.
No matter how good the rewards program is, it’s just not worth the effort if I have to actively think about it. I have plenty of more important things that need my attention.
When looking at rewards programs, look out for these common traps:
Rotating rewards categories. Cards that change the rules are never worth the extra effort in our opinion.
Increased rewards for minor spending categories. I don’t really care if I get 10X points when buying 7-Eleven slushies. Give me a break. I need categories where I spend regularly.
Points that get locked up in obscure programs. Yes, a random hotel credit card might give more points per dollar than other cards. But are the points worth anything if you can only use them at a hotel you never wanted to go to?
If a rewards program has too many restrictions, we don’t include it in our recommended cards.
What about the card APR?
I never pay attention to it. I can’t even tell you what the APRs are on my cards because I always pay the balance off every month.
Look, if you don’t pay off your balance every month, it’s not worth doing a rewards program at all. You’ll pay more in interest than you’ll ever get back in rewards. Get out of debt, get ahead of your spending, and build a habit of paying off your balances.
First build the financial habits and stability to pay off your balance every month. Then, and only then, should you get a rewards credit card.
The two best rewards credit cards
So what are the best rewards and cash back cards? Here are our recommendations.
Chase Sapphire Reserve
The best overall rewards credit card
“Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
Named “”Best Premium Travel Credit Card”” for 2018 by MONEY® Magazine
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Up to $100 application fee credit for Global Entry or TSA Pre✓®”
If you travel at all, get this card. The perks are phenomenal.
First, you get $300 reimbursed every year on travel charges. I just booked a domestic flight yesterday and I got the whole flight reimbursed.
No foreign transaction fees either. The card’s also a Visa, which is the most widely accepted card internationally. That’s as good as it gets for having a reliable credit card to use internationally.
Global Entry and TSA Precheck were game changers for me when traveling. Half my stress and anxiety when traveling was eliminated. I never imagined how much better I’d feel without having to take my shoes off or my laptop out when going through security. Getting the application reimbursed is an amazing perk. Pro-tip: Get Global Entry, which includes TSA Precheck and is only slightly more expensive.
I spend a lot on travel and food. For racking up points, the Chase Sapphire Reserve is perfect for me. I get 3X on the majority of my spending. If only they had 3X points on cashmere sweaters, I would be in heaven.
There is one big downside: the $450 annual fee. That’s high for a lot of people.
The travel and Global Entry reimbursements do cover most of the fee. With the $300 annual travel reimbursement, the annual fee comes down to $150. We also have the $100 credit for Global Entry or TSA Precheck. These programs last 5 years, so that equals $20 per year. Basically, the real annual fee is $130.
When most travel rewards cards have annual fees of $95, paying $130 for the Chase Sapphire Reserve in order to get 3X points on travel and restaurants is a fantastic deal.
Citi Double Cash
The best cash back credit card
“Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Balance Transfers do not earn cash back
0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% – 25.74% based on your creditworthiness*
Click ‘Apply Now’ to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
No categories to track, no caps on cash back, no annual fee*”
I love the simplicity of this card. 2% cash back, no nonsense. Get your first 1% cash back when you spend, get another 1% when you pay down the charge. There’s no cash back limits and no annual fee either.
You won’t get cash back on any balance transfers but that’s pretty reasonable in our view.
There isn’t much in the way of perks, but that’s not why you should be considering this card in the first place.
It’s a no-frills, ultra-simple, maximize your cash back card.
For those of you who want to get a card and never think about your rewards every again, the Citi Double Cash is the card for you.
There is one major downside to the Citi Double Cash card. It has a 3% foreign transaction fee, which is super high. If you travel regularly, the 3% fee will stack up fast and negate any of the cash back rewards that you’ve earned. So only get the Citi Double Cash card if you rarely travel internationally. If you do travel regularly, I have another cash back option for you later on in this post.
Other cards to consider
Depending on your circumstances, there are a few other cards that could be the best option for you. Let’s go through them.
Chase Sapphire Preferred
“Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
1:1 point transfer to leading airline and hotel loyalty programs
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”
The Chase Sapphire Preferred has a slightly less valuable points program and fewer perks than the Chase Sapphire Reserve. And the Sapphire Preferred comes with a smaller annual fee at $95.
You’ll still get 2X points on travel at restaurants, a great bonus offer, and no foreign transaction fees.
But you’ll be missing the travel credit, Priority Pass™ Select for lounge access, and the Global Entry or TSA Precheck credit. And you’ll only be getting 2X points instead of 3X points on travel and restaurants.
We recommend getting the Sapphire Preferred if the $450 annual fee on the Sapphire Reserve is too much of a stretch. The Sapphire Preferred is a great first step into the world of rewards credit cards that have annual fees. Plus, you can always upgrade to the Sapphire Reserve later.
If you make more than $100,000 per year, you should probably go straight to the Sapphire Reserve card.
Capital One Quicksilver Cash Rewards
“One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Pay no annual fee or foreign transaction fees
See if you qualify for a better offer with Capital One:”
Yes, the 1.5% cash back isn’t as high as the 2% cash back from the Citi Double Cash.
But the Capital One Quicksilver has no foreign transaction fees, which means it’s perfect for folks who travel internationally and want the simplicity of a cash back card.
The annual fee does depend on your credit score. If it’s good enough, it’ll be waived. Otherwise the annual fee is $39.
If you travel internationally once per year and want a cash back card, we recommend getting the Capital One Quicksilver card.
American Express Platinum
“Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
$550 annual fee.
Terms Apply.”
The Amex Platinum is all about the perks. If you’re looking to get perks that none of the other cards have, this is the card for you.
The Uber reimbursement is awesome. I easily spend $15/month on Uber rides, so that’s money right back in my pocket.
What’s the Uber VIP status that comes with the card? It’s an exclusive option that will match you with drivers who have a rating of 4.8 and above. It’s certainly nice, but it’s only available in a handful of cities. It also means you could wait a lot longer in order to get a driver with a high enough rating. It’s cool, but I wouldn’t get too excited by it.
The 5X points on flights and hotels booked directly with airlines is a pretty amazing perk. But I wouldn’t use it myself on flights. Honestly, I only book flights directly through airlines. I’ve heard too many horror stories from sites like Expedia or Orbitz. A good friend of mine booked a flight through Expedia and the airline never received the notice, so they didn’t reserve a ticket for him. He didn’t find out until he showed up for his connecting flight and had to buy another ticket on the spot for a crazy price. The worst part is it took him 9 months to get a refund from Expedia. I avoid that nonsense completely by finding the flight I want through Hipmunk or Google Flights, then booking directly through the airline.
One of the best perks of the Amex Platinum is getting access to the Centurion Lounges. These lounges are swanky — some of the nicest lounges out there. Unfortunately, they’re not in that many airports yet. Check to see if your main airport has one there. If you fly out of or through one of these airports regularly, this perk is a game-changer and is worth the annual fee on its own.
What about the 1000+ other lounges?
Credit card companies always inflate lounge access numbers. They’ll include a bunch of third-rate lounges that you’ll never want to go to anyway. Or they’ll add airport restaurants that offer a $20 discount off your meal in order to call that a “lounge.” When looking at lounge perks, I always check the exact lounges that are included in the airports that I fly through regularly.
So don’t assume you’ll be able to walk into any lounge. The majority of lounges will be out of your reach.
American Express Blue Cash Preferred
“Earn a $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
6% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
$95 annual fee.
Terms Apply.”
Do you have a long commute and spend over $100 per week in groceries?
For families, getting 6% cash back on groceries is amazing. Most families easily spend over $100 per week on groceries, so it won’t be hard to hit the annual cash back limit. You’ll hit it if you spend $115 per week — that works out to $360 in cash back per year on groceries that you have to buy anyway. That’s like getting 3 weeks of groceries for free. It’s too bad there’s a cap. This card would be incredible if there wasn’t one.
The other key perk on the American Express Blue Cash is the 3% cash back on gas. Right now, this wouldn’t do anything for me since I live in a city and rarely drive. But when I was growing up, gas was one of my biggest expense categories. I lived in a small town in Colorado that was 45 minutes from anything. My family and I were filling up our gas tanks every 2-3 days. Getting 3% cash back would have been amazing.
You’ll also get 3% cash back on streaming subscriptions and transit (taxis/rideshare, buses, parking, tolls, trains, etc.). The streaming cash back is nice, but there’s only so much any of us can spend on streaming in a given month. And while I know folks that spend a ton of money on rideshares, they tend to get the Chase Reserve card since they spend even more money on travel and restaurants. The cash back on these categories will help but I wouldn’t expect it to make a major difference in your rewards.
Watch out for the 2.7% foreign transaction fee on this card. I’d avoid using it when traveling internationally.
In other words, if you have a family and a long commute, consider getting the Amex Blue Cash to maximize your rewards on groceries and gas.
Should you get multiple rewards cards?
Don’t even consider having multiple cards until you’re comfortably spending over $3,000 per month.
I do recommend getting two rewards cards sooner rather than later if you want an American Express card. As great as the American Express cards are, plenty of businesses don’t accept them. So you’ll want a backup Visa or Mastercard when you can’t use your American Express. For a backup rewards card, I’d get one with a lower annual fee since you won’t be using it as often.
I might consider getting two rewards cards if my lifestyle covered multiple rewards programs. Let’s say I was spending a lot of money on gas, restaurants, and travel every month. In that case, the Chase Sapphire Reserve and American Express Blue Cash Preferred would be a great combo. I’d put all my groceries and gas on my American Express Blue Cash Preferred and put my travel and restaurant expenses on my Chase Sapphire Reserve. I’d rack up a ton of points and cash back with a system that I could easily remember.
I set a limit for myself of only having 2-3 cards. After that, things get too complicated.
The best rewards credit cards of 2019 is a post from: I Will Teach You To Be Rich.
The best rewards credit cards of 2019 published first on https://justinbetreviews.tumblr.com/
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mcjoelcain · 5 years
Text
The best rewards credit cards of 2019
If your goal is to maximize rewards, get the best bonuses, and play the points game no matter the cost…
You’re on the wrong page.
We have a different philosophy on rewards credit cards.
It’s the same philosophy that we have for all of personal finance: ignore the small stuff and focus on the Big Wins.
Points hacking is small stuff.
Finding a great rewards card you can depend on and then never thinking about it again is a big win.
Finding the best card for you is pretty simple when your goal is to maximize your rewards with the least amount of effort possible. The main decision you’ll need to make is to get a travel points or a cash back card. We’ve sorted through hundreds of credit card offers to find the best card for both categories.
There are a few other situation-specific cards to consider too. All-in, there are only six cards that are worth looking at.
We’ve done a deep dive on all these cards below.
What makes a great rewards card
The usual advice focuses on how to squeeze out every last percentage point from restaurants, gas, groceries, and 50 other categories.
I disagree.
You see, we need to factor in the effort required to get the rewards.
Some cards have rotating spending categories and all sorts of hoops for you to jump through in order to hit some hypothetical maximum reward.
At I Will Teach You To Be Rich, we’re adamantly against these types of games.
A few extra rewards points are not going to fundamentally change your lifestyle. Automating your finances, getting a great rewards card that doesn’t require ongoing effort, and then focusing on bigger wins WILL change your life.
The best rewards credit cards have rewards programs that are easy to understand, require little to no maintenance, and yield at least 1.5% back in cash or rewards. Add in a few perks and you’ve got a great card.
Should you get a travel or cash back rewards card?
Whether to get a travel or cash back card comes down to one simple question.
What’s more important to you, the value of the rewards or simplicity?
If you want to get every dollar in rewards possible, travel rewards programs always beat cash back cards. For credit card companies, there’s always a percentage of people who forget to spend their points, so they’re able to increase the value of their points over a more straightforward cash back program.
Of course, don’t get a travel points card if you hate to travel. That would be … unhelpful. It’s still worth it as long as you travel once per year.
Maximizing the value of your rewards does come with an extra cost though. You’ll have to manage your points. They’ll accrue in your credit card account and you’ll have to make choices on when and where to spend them. For example, different redemption methods have different values. The American Express Membership Rewards points are worth $0.07 on Amazon and $0.10 on Uber. Every card has its own redemption methods with its own values.
You could use the rule of thumb of always redeeming your points for miles on an airline program. This is a good rule, and it’ll usually maximize the value of your points. But you still have to transfer your points to miles. Each credit card points program will transfer to some airline programs and not others. And once you get your points into the right miles program, you’ll have to deal with whatever points restrictions your airline has (blackout dates, only certain flights being available, etc.). To add even more complexity, some credit card programs allow you to book flights and hotels directly through them, but then there’s a separate set of restrictions and point values that you have to deal with.
Sounds like a pain? It is.
For me, the extra hassle is worth the free international flights that I’ve been able to get.
If the extra hassle of a travel rewards programs sounds exhausting, get a cash back rewards card instead.
Cash back cards still have plenty of benefit without any work:
You get a straight percentage back on all charges to your card.
The cash back shows up on your statements either automatically or with very little effort. Worst case, you’ll have to log in and hit a button to initiate the cash back.
While some cash back cards have maximum payouts, rotating categories, and other nonsense, there’s plenty of cards that keep things ultra simple.
That’s as simple as it’s going to get.
Here’s how to make your decision:
To maximize the value of your points, get a travel rewards card.
To maximize simplicity, get a cash back card.
How we evaluate credit cards
These are the criteria that we used to whittle hundreds of credit cards down to the few cards that we recommend.
Rewards or cash back program
How many points or how much cash back does a card earn? And under what conditions?
This is where the bulk of rewards value comes from, so when in doubt, choose the card with the better rewards program.
And watch for restrictions on rewards. It’s common to have a points boost of 5X on a spending category combined with a cap or restriction on how that charge is made. Some of the travel cards force you to book through their website in order to get the full points bonus on that charge. To me, that significantly reduces the value of the card. I place a lot of value on flexibility and choice.
Get a deep understanding of your card’s rewards program so you know exactly how it’ll work.
Bonus value
Most credit cards have a bonus offer for new customers. It usually works like this:
Get X if you spend $Y within Z days.
Hit that milestone and you’ll get the bonus added to your account within a few months.
Be careful with these though. If the spending amount is a huge stretch for you, it’s a sign that the card isn’t a good fit for your current spending habits. Whenever I’m looking at a bonus program, I only consider it if I can easily hit the spending amounts that trigger the bonus.
One hack is to get a new card around the same time that you’re making a larger purchase that you already planned and saved for. Furniture is a great fit for this. If you’re already planning on getting a new couch or mattress, that could get you the bonus on its own. Get your new card, make the purchase, immediately pay down the balance with the money you already saved, get your bonus.
While it’s good to look around for the best bonus promo on the card you want, we never choose cards based on the bonus program alone:
You’ll be using the card for years, the perks matter a lot more than the bonus.
Points are not created equal. One card might offer 100,000 bonus points while another offers 60,000 points. There’s no way to tell which one has the better deal without really digging into the value of their points programs.
Just about every great card has a decent bonus.
Point hackers will chase bonus programs but we don’t recommend that approach. There are more important things for you to focus on.
We recommend choosing the card you want based on the rewards program and perks. Then accept whatever bonus the card happens to offer.
Perks
There are a number of perks that you might get from your credit card. For some, perks are more important than rewards.
Most credit cards have a host of perks that we all forget about, like car rental insurance and lost luggage protection. Standard perks that come with most cards:
Rental car insurance
Purchase protection
Return protection
Extended warranties
Trip cancellation insurance
Lost luggage replacement
These perks are so ubiquitous that you don’t have to factor them in when choosing the card you want. If one of them is super important to you, double check and make sure the card you’re considering does have it.
There ARE perks that only come with certain cards. These are the perks we get excited about. They include:
Uber reimbursement
Global Entry and TSA Precheck reimbursement
Lounge access
Travel reimbursement
Hotel upgrades and credits
If a perk is super valuable to you, it could be worth getting a less valuable rewards program just for the perk. Frankly, this is why most people get the American Express Platinum. Access to the Centurion lounges makes flying much more enjoyable.
Fees
Some credit card fees matter more than others.
While we absolutely hate maintenance fees on checking and savings accounts, all the best rewards cards have annual fees. The rewards and perks easily cover the annual fees as long as you’re regularly using the card. Cards tend to fall into three tiers with their annual fees:
No annual fee: There are no-fee cash back and rewards cards out there. The perks and rewards will be limited but it is possible to get a no-annual-fee rewards card.
$100 annual fee: Most of the good rewards programs start with annual fees in $90-100 range. This is a good level for your first rewards card.
$500 annual fee: The best cards are at this level, like the American Express Platinum and Chase Sapphire Reserve. They have perks none of the other cards have.
If cash is tight and you’re watching every dollar, get a no-annual-fee card. Once you’re more financially comfortable, the $100 annual fee cards open up the real rewards programs. And after you’re making $100,000 or more per year, get one of the $500 annual fee cards to maximize your rewards.
There are other fees to look out for too, like the foreign transaction fee.
I hate foreign transaction fees. I travel internationally a few times a year and I only choose cards without them. Traveling is expensive enough — the last thing I want is a 1-3% charge on top of everything.
Even if you don’t travel and you don’t think this is a big deal, you can still get hit with a foreign transaction fee within the U.S. The fee triggers any time a charge goes through a foreign bank. So if you buy something online, even if the price is in U.S. dollars, you could get an extra fee without realizing it.
Plenty of cards still have foreign transaction fees, so watch for this if you travel.
Simplicity
Some folks love playing points games.
I am not one of those people.
I want 1-2 cards that I can always default to. I’d much rather get 80% of the value without having to spend any time thinking about points.
No matter how good the rewards program is, it’s just not worth the effort if I have to actively think about it. I have plenty of more important things that need my attention.
When looking at rewards programs, look out for these common traps:
Rotating rewards categories. Cards that change the rules are never worth the extra effort in our opinion.
Increased rewards for minor spending categories. I don’t really care if I get 10X points when buying 7-Eleven slushies. Give me a break. I need categories where I spend regularly.
Points that get locked up in obscure programs. Yes, a random hotel credit card might give more points per dollar than other cards. But are the points worth anything if you can only use them at a hotel you never wanted to go to?
If a rewards program has too many restrictions, we don’t include it in our recommended cards.
What about the card APR?
I never pay attention to it. I can’t even tell you what the APRs are on my cards because I always pay the balance off every month.
Look, if you don’t pay off your balance every month, it’s not worth doing a rewards program at all. You’ll pay more in interest than you’ll ever get back in rewards. Get out of debt, get ahead of your spending, and build a habit of paying off your balances.
First build the financial habits and stability to pay off your balance every month. Then, and only then, should you get a rewards credit card.
The two best rewards credit cards
So what are the best rewards and cash back cards? Here are our recommendations.
Chase Sapphire Reserve
The best overall rewards credit card
“Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
Named “”Best Premium Travel Credit Card”” for 2018 by MONEY® Magazine
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Up to $100 application fee credit for Global Entry or TSA Pre✓®”
If you travel at all, get this card. The perks are phenomenal.
First, you get $300 reimbursed every year on travel charges. I just booked a domestic flight yesterday and I got the whole flight reimbursed.
No foreign transaction fees either. The card’s also a Visa, which is the most widely accepted card internationally. That’s as good as it gets for having a reliable credit card to use internationally.
Global Entry and TSA Precheck were game changers for me when traveling. Half my stress and anxiety when traveling was eliminated. I never imagined how much better I’d feel without having to take my shoes off or my laptop out when going through security. Getting the application reimbursed is an amazing perk. Pro-tip: Get Global Entry, which includes TSA Precheck and is only slightly more expensive.
I spend a lot on travel and food. For racking up points, the Chase Sapphire Reserve is perfect for me. I get 3X on the majority of my spending. If only they had 3X points on cashmere sweaters, I would be in heaven.
There is one big downside: the $450 annual fee. That’s high for a lot of people.
The travel and Global Entry reimbursements do cover most of the fee. With the $300 annual travel reimbursement, the annual fee comes down to $150. We also have the $100 credit for Global Entry or TSA Precheck. These programs last 5 years, so that equals $20 per year. Basically, the real annual fee is $130.
When most travel rewards cards have annual fees of $95, paying $130 for the Chase Sapphire Reserve in order to get 3X points on travel and restaurants is a fantastic deal.
Citi Double Cash
The best cash back credit card
“Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Balance Transfers do not earn cash back
0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% – 25.74% based on your creditworthiness*
Click ‘Apply Now’ to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
No categories to track, no caps on cash back, no annual fee*”
I love the simplicity of this card. 2% cash back, no nonsense. Get your first 1% cash back when you spend, get another 1% when you pay down the charge. There’s no cash back limits and no annual fee either.
You won’t get cash back on any balance transfers but that’s pretty reasonable in our view.
There isn’t much in the way of perks, but that’s not why you should be considering this card in the first place.
It’s a no-frills, ultra-simple, maximize your cash back card.
For those of you who want to get a card and never think about your rewards every again, the Citi Double Cash is the card for you.
There is one major downside to the Citi Double Cash card. It has a 3% foreign transaction fee, which is super high. If you travel regularly, the 3% fee will stack up fast and negate any of the cash back rewards that you’ve earned. So only get the Citi Double Cash card if you rarely travel internationally. If you do travel regularly, I have another cash back option for you later on in this post.
Other cards to consider
Depending on your circumstances, there are a few other cards that could be the best option for you. Let’s go through them.
Chase Sapphire Preferred
“Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
1:1 point transfer to leading airline and hotel loyalty programs
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”
The Chase Sapphire Preferred has a slightly less valuable points program and fewer perks than the Chase Sapphire Reserve. And the Sapphire Preferred comes with a smaller annual fee at $95.
You’ll still get 2X points on travel at restaurants, a great bonus offer, and no foreign transaction fees.
But you’ll be missing the travel credit, Priority Pass™ Select for lounge access, and the Global Entry or TSA Precheck credit. And you’ll only be getting 2X points instead of 3X points on travel and restaurants.
We recommend getting the Sapphire Preferred if the $450 annual fee on the Sapphire Reserve is too much of a stretch. The Sapphire Preferred is a great first step into the world of rewards credit cards that have annual fees. Plus, you can always upgrade to the Sapphire Reserve later.
If you make more than $100,000 per year, you should probably go straight to the Sapphire Reserve card.
Capital One Quicksilver Cash Rewards
“One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Pay no annual fee or foreign transaction fees
See if you qualify for a better offer with Capital One:”
Yes, the 1.5% cash back isn’t as high as the 2% cash back from the Citi Double Cash.
But the Capital One Quicksilver has no foreign transaction fees, which means it’s perfect for folks who travel internationally and want the simplicity of a cash back card.
The annual fee does depend on your credit score. If it’s good enough, it’ll be waived. Otherwise the annual fee is $39.
If you travel internationally once per year and want a cash back card, we recommend getting the Capital One Quicksilver card.
American Express Platinum
“Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
$550 annual fee.
Terms Apply.”
The Amex Platinum is all about the perks. If you’re looking to get perks that none of the other cards have, this is the card for you.
The Uber reimbursement is awesome. I easily spend $15/month on Uber rides, so that’s money right back in my pocket.
What’s the Uber VIP status that comes with the card? It’s an exclusive option that will match you with drivers who have a rating of 4.8 and above. It’s certainly nice, but it’s only available in a handful of cities. It also means you could wait a lot longer in order to get a driver with a high enough rating. It’s cool, but I wouldn’t get too excited by it.
The 5X points on flights and hotels booked directly with airlines is a pretty amazing perk. But I wouldn’t use it myself on flights. Honestly, I only book flights directly through airlines. I’ve heard too many horror stories from sites like Expedia or Orbitz. A good friend of mine booked a flight through Expedia and the airline never received the notice, so they didn’t reserve a ticket for him. He didn’t find out until he showed up for his connecting flight and had to buy another ticket on the spot for a crazy price. The worst part is it took him 9 months to get a refund from Expedia. I avoid that nonsense completely by finding the flight I want through Hipmunk or Google Flights, then booking directly through the airline.
One of the best perks of the Amex Platinum is getting access to the Centurion Lounges. These lounges are swanky — some of the nicest lounges out there. Unfortunately, they’re not in that many airports yet. Check to see if your main airport has one there. If you fly out of or through one of these airports regularly, this perk is a game-changer and is worth the annual fee on its own.
What about the 1000+ other lounges?
Credit card companies always inflate lounge access numbers. They’ll include a bunch of third-rate lounges that you’ll never want to go to anyway. Or they’ll add airport restaurants that offer a $20 discount off your meal in order to call that a “lounge.” When looking at lounge perks, I always check the exact lounges that are included in the airports that I fly through regularly.
So don’t assume you’ll be able to walk into any lounge. The majority of lounges will be out of your reach.
American Express Blue Cash Preferred
“Earn a $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
6% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
$95 annual fee.
Terms Apply.”
Do you have a long commute and spend over $100 per week in groceries?
For families, getting 6% cash back on groceries is amazing. Most families easily spend over $100 per week on groceries, so it won’t be hard to hit the annual cash back limit. You’ll hit it if you spend $115 per week — that works out to $360 in cash back per year on groceries that you have to buy anyway. That’s like getting 3 weeks of groceries for free. It’s too bad there’s a cap. This card would be incredible if there wasn’t one.
The other key perk on the American Express Blue Cash is the 3% cash back on gas. Right now, this wouldn’t do anything for me since I live in a city and rarely drive. But when I was growing up, gas was one of my biggest expense categories. I lived in a small town in Colorado that was 45 minutes from anything. My family and I were filling up our gas tanks every 2-3 days. Getting 3% cash back would have been amazing.
You’ll also get 3% cash back on streaming subscriptions and transit (taxis/rideshare, buses, parking, tolls, trains, etc.). The streaming cash back is nice, but there’s only so much any of us can spend on streaming in a given month. And while I know folks that spend a ton of money on rideshares, they tend to get the Chase Reserve card since they spend even more money on travel and restaurants. The cash back on these categories will help but I wouldn’t expect it to make a major difference in your rewards.
Watch out for the 2.7% foreign transaction fee on this card. I’d avoid using it when traveling internationally.
In other words, if you have a family and a long commute, consider getting the Amex Blue Cash to maximize your rewards on groceries and gas.
Should you get multiple rewards cards?
Don’t even consider having multiple cards until you’re comfortably spending over $3,000 per month.
I do recommend getting two rewards cards sooner rather than later if you want an American Express card. As great as the American Express cards are, plenty of businesses don’t accept them. So you’ll want a backup Visa or Mastercard when you can’t use your American Express. For a backup rewards card, I’d get one with a lower annual fee since you won’t be using it as often.
I might consider getting two rewards cards if my lifestyle covered multiple rewards programs. Let’s say I was spending a lot of money on gas, restaurants, and travel every month. In that case, the Chase Sapphire Reserve and American Express Blue Cash Preferred would be a great combo. I’d put all my groceries and gas on my American Express Blue Cash Preferred and put my travel and restaurant expenses on my Chase Sapphire Reserve. I’d rack up a ton of points and cash back with a system that I could easily remember.
I set a limit for myself of only having 2-3 cards. After that, things get too complicated.
The best rewards credit cards of 2019 is a post from: I Will Teach You To Be Rich.
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indochinavoyages · 6 years
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How to plan the best Vietnam itinerary 2 weeks
How to plan the best Vietnam itinerary 2 weekshttps://http://bit.ly/2ImO3E8
Vietnam itinerary 2 weeks, 3 weeks or just 10 days, which one is sufficient? This is always a question when you are thinking of visiting Vietnam. Should it be a trip just Vietnam or a combined one with a few days extension to the famous Angkor Wat in Cambodia? How much does 2 weeks in Vietnam cost? When is the best time to go? etc. These concerns are quite understandable when you are a Vietnam first-timer and wishing to make the most out of it.
Things you should know before visiting Vietnam
With more than 3,000 kilometers of coastline, the country of Vietnam is stretched along the North to the South with two large deltas – Red River delta and Mekong delta by its ends. This geographic feature creates different climate zones and climate seasons. The North of Vietnam, which shares its North and Northwest border with China and Laos, have 4 distinctive seasons. While the South, which shares border with Cambodia and gulf of Thailand, inherits two separately wet and dry weather seasons.
  [caption id="attachment_14038" align="alignnone" width="960"] Vietnam map[/caption]
Apparently, the long and narrow country enables Vietnam to have a diversified ethnics and minority groups, mostly stretching along its border and in the mountain areas. In the flat land, there are metropolises in the 3 main regions of the country from North, Central, South which are Hanoi, Hoi An and Ho Chi Minh city consecutively; where life exposing with its traditions, living habits and dynamically bustle daily activities.
  [caption id="attachment_14039" align="alignnone" width="960"] Vietnam from North to South[/caption]
So if you want to capture every sights and corners of the country, it’s impossible to do in a Vietnam itinerary 2 weeks but at least Vietnam itinerary 3 weeks or more should be required. Anyhow, if your time frame is just about this given time, you should work on some destination search readings and feel what you want from that wish list, then prioritize them from the time frame. Planning an affordable one, matching your time and not to miss any nice sightseeing Vietnam has to offer, is in fact, not a big deal. Don’t forget to focus on the below key points, you will better plan a trip exactly for you without doing too much hassle works.
Some advice to choose the best Vietnam itinerary 2 weeks
Be more specific about what type of traveler you are
After reading highlights of places to visit, see what you want to do, including your special interests, you might take some suggestions below:
If you are a type of traveler who counts experience of a country on the whole picture, let make it a bit of everything here and there. Let’s plan for some mountains, some downtown, see the main sights, go to some outdoor markets, take some home visits along the road, try some different eats both in local restaurant and from street sides. This route might work well with Hanoi (3 days) – Halong (2 days) – Sapa (2 days 3 nights by train) – Hue (2 days) - Hoi An (2 days) - Ho Chi Minh (2 days) - Mekong Delta (1 day).
If you are likely a beach breaker and wish to see Vietnam in a slow pace, looking for some leisure days and doing not too much of the sights, see if this version might work: Hanoi (2 days) – Halong Bay (2 days) – Hoi An (4 days) – Saigon & Mekong (2 days) – Phu Quoc Island (3 days).
What if you are after history, people and in love with cultural identity of the destination, consider a different two-week travel itinerary in Vietnam which perfectly fit for you as Hanoi (2 days) – Ha Giang (4 days) – Ninh Binh and Halong Bay (3 days) – Hue (2 days) – Hoi An (3 days).
  [caption id="attachment_14040" align="alignnone" width="960"] The peaceful Hoi An ancient town[/caption]
What if I wish a bit more than just traveling to Vietnam in 2 weeks?
Some people who tend not to see one destination at a time but several. This is when after taking a long flight from the other side of the global, people just don’t want to waste that flight time and see just one place. It’s often the case when a lot of people from North America and the Europeans plan to see Vietnam in two weeks, including a short extension to either Luang Prabang in Laos or Angkor Wat in Cambodia. It means that you are going to squeeze your Vietnam program a bit and to save time for the extension. Southern Vietnam itinerary is worth to be put off in this case.
  [caption id="attachment_14042" align="alignnone" width="960"] Angkor Wat - Cambodia[/caption]
Now, see if this suggested itinerary will fit with the Ankor Wat lovers; Hanoi (2 days) – Ninh Binh & Halong Bay (3 days) – Hue (2 days) - Hoi An (3 days) - Siem Reap - Angkor Thom - Angkor Wat (4 days). The same itinerary will also work if you like the Laos extension for the last 4 days out of the Vietnam itinerary 2 weeks. It is totally doable this way as Danang International Airport is now serving direct flights both to these two cities – Luang Prabang and Siem Reap.
  [caption id="attachment_14041" align="alignnone" width="960"] Luang Prabang - Laos[/caption]
Extra points need to be noticed
Remember, after doing some reading for destination guides that are available on Travel Fish or Vietnam highlights, you can feel exactly what you want and may be you can even work out a perfect itinerary based on some suggested hints above. Though travel by plane from North to the Central or from the Central to South takes only an hour, it takes more time to travel for sightseeing around a region as the roads are not that good to the western standard and with a slower speed limit. Let count this when you build up your travel itinerary to make sure the pace suits you. Another way is you can contact a reputable travel company in Vietnam and ask for bunch of questions. There will always be a travel consultant to be in charge taking care of you, to answer all you need to know and it’s totally free.
Weather makes any matter?
Like the wealth of its attractions in Vietnam that you can’t do all in 2 weeks trip, there will never be 100% perfect weather time to travel into this country. If you are very much keen on the sights of Hanoi, its nearby Red River delta and the northern mountains, the best time of year is from October to April, except a bit drizzle in early March.
  [caption id="attachment_14043" align="alignnone" width="960"] Hoan Kiem lake - Hanoi[/caption]
Though May and June are not too bad but the heat might be concerning as climate often get up to 36 - 38 degree Celsius. Hoi An should be cautioned with the first 3 weeks of November as annual flood season while Phu Quoc will offer compliment raining and thunderstorm most of October. Knowing these facts, you will better planning your itinerary and to benefit from doing the good homework during your travel time.
Pricing wise
Is Vietnam the cheap travel destination?
No, it has never been cheap but cost of living and the daily life consuming is quite affordable and inexpensive. You can get a nice meal everywhere such as Vietnam street food from US$2 for instance a bowl of Pho, Bun Cha or a big loaf of Banh My. Anyhow, for services engaged in the inbound travel industry which requires business norms and standards internationally, it seems a bit higher than the local living cost.
  [caption id="attachment_14044" align="alignnone" width="960"] Delicious Bun Cha[/caption]
Accommodation
A decent Airbnb homestay or 3-star hotel in pretty central location might range from US$35 - US$55, depending on its service quality and location that is convenient to other necessities; and US$55 - US$100 to a deluxe level of accommodation, equal to 4* hotel ratings and > US$100 for luxury choices. This expense is counted as the major part in your tour price package. It’s suggested to mix the range and type of accommodation for the 2 weeks Vietnam trip, just make sure you are doing it where and when wisely. For example, if you have a busy day with sightseeing in Hanoi, it’s better to book with a small & boutique 3* hotel in Hanoi Old quarter. But if you are at the leisure part of the trip in Phu Quoc, it should be in a pretty nice resort where a private beach would be a big plus.
  [caption id="attachment_14045" align="alignnone" width="960"] Private beach in Phu Quoc Island[/caption]
Same thing goes with Halong Bay, which is often a lifetime experience on board a cruise in the middle of Tonkin Gulf. It’s highly recommended to hook up with a nice boat, generally from 4* rating up. This will make your trip not in the same tone in term of accommodation and to enjoy the best where it comes to the best and save big when you don’t really need to spend.
  [caption id="attachment_14046" align="alignnone" width="960"] A lifetime experience on board a Halong Bay cruise[/caption]
Other expenses
They are based on how you pick the tours to be privately served or group shared; where the cost involves with tour guide, vehicle used and some other built-in costs of a tour nature. Fondly, some of the day tours will be more interesting if you joined the group other than doing privately. Remember, you can always ask and have the travel consultant explained for you and to suggest you when you should make it a tailor tour join the group in your complete travel itinerary in 2 weeks.
For years in the industry, I have found out that if you travel privately with some mixture of 3-star & 4-star accommodation in a Vietnam itinerary 2 weeks, the cost is roughly at US$ 125 - 130/person per day and 2 weeks is about most sufficient. If you like a bit of everything and while gaining some cultural interactions for traveling to this country, Vietnam Cultural Highlights 14 days is a perfect Vietnam travel itinerary in 2 weeks in such a case. Let’s follow the above tips then check further from the booking guide and planning with our travel consultant for an irresistible Vietnam tours 2019 that you deserved.
  Tim Lee - CEO
#Indochinavoyages #Indochinatours #Timlee #Vietnamtours #HaGiangVietnam #NorthVietnamtours
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michellelewis7162 · 4 years
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Vehicle Transport
Vehicle Transport
 There are a variety of explanations why you may be actually looking at vehicle transport rather of just driving your vehicle or riding your bike. Possibly you're a classic car collector or you have a vintage bike that's worth a ton of amount of money, or possibly you simply intend to deliver your car from one point of the country to the other and prefer to certainly not devote a full week driving or using. No matter why you are actually appearing into vehicle transport there are actually a variety of variables you need to have to know prior to delegating your motor vehicle into the qualified hands of the transportation professionals. New Jersey Auto Transport
 The different approaches of vehicle transport.
 There are primarily 3 ways to transport an automobile from one lead to one more; ship, rail or lorry. Each way has its own benefits as well as relying on the situations you are going to need to select the correct technique. The proximity you desire to transport your auto will certainly be the major determining factor that finds out which of these approaches you choose on. Carrying your car by ship is excellent for transferring coming from one nation to another as well as along with the boost in the lot of imported cars this is actually ending up being an increasingly prominent option.
 A lot of transportation firms that are actually relocating your automobile in between 2 sites in the same nation will certainly accomplish this using an available car transporter comparable to those used when taking brand new automobiles to the showroom, having said that if you have an older vehicle or a specifically rare one as well as you do not prefer it to have to face the aspects after that you should not have any sort of difficulties discovering a company that will definitely deliver you the same solution in a shut transporter, therefore preventing the prospective damages that certainly not just the wind as well as storm may do, but additionally loose chippings that fly up when driving.
 The insurance policy effects of vehicle transport.
 As along with any kind of sort of investment you should constantly shop around to create sure you are not simply getting the greatest offer yet are acquiring every thing you need to have from the firm you make use of. For occasion a lot of freight companies are going to merely offer an extremely low amount of insurance coverage and if you are shipping an extremely important vehicle coming from one side of America to the various other you are going to undoubtedly yearn for a little bit of extra cover to provide you that satisfaction Boardman.
 The absolute most crucial facet of picking a business to cope with your vehicle transport.
 International Vehicle Transport
 Vehicle transport business give services that deal with transporting for all kinds of cars internationally. The automobiles could be sent out to or even acquired coming from yet another country anywhere in the world. The automobiles that could be delivered internationally feature motorbikes, cars and trucks, vehicles, trailers, Recreational Vehicle's, buses, manufactured homes, boat, aircraft, choppers, airplanes, jets, heavy devices, tractor/trailer gears plus all various other wheeled machinery. The delivery firm ordinarily collaborates with a network of reputable companion firms worldwide to manual, route and also provide the motor vehicles. Shipping foreign is actually much more sophisticated that shipping locally, as a result of regulations enforced by international nations on this style of task. The quote specifications are influenced through variables such as the measurements as well as kind of vehicle being actually delivered, the origin as well as place f the motor vehicle, and any kind of exclusive managing that will be actually demanded.
 A domestic vehicle transport firm functions in relationship along with certified as well as reliable abroad carriers that are going to give the same premium requirement of service and also treatment. The best dependable procedures of transportation and shipping paths are utilized around the globe to make certain a high quality of service and acceptable cost. These firms also deal with the transportation of motor vehicles in the absolute most suitable manner relying on the one-of-a-kind instances involved in each private shipment. These companions will definitely likewise accurately take care of the transfer of paperwork for export or even inbound custom-mades clearance. Before shipping a lorry around the globe, all industrial billings must be given to the carrier due to the consumer as well as the client must sign the export directions Boardman.
 Foreign governments have rules that can easily have an effect on different parts of global vehicle transport. Payload deliveries go through role in each nations. The client has to be readied to give receipts for investments helped make in overseas nations and correctly pay the demanded task. All place as well as importation costs and costs are actually created the responsibility of the payload manager. The cargo manager is actually urged to look into by means of the consular office of the international federal government to which they are shipping payload or even coming from which they are obtaining cargo to precisely find out of tolls or even stipulations that would apply to the delivery. The freight company are going to regularly give the most effective information achievable to the customer, yet since the obligation is untruthful along with the freight manager (consumer) to correctly pay costs and also generate records, it is actually a good idea to be directly informed through the appropriate consulates. The transportation of motor vehicles are going to go efficiently when all records is supplied with the proper info plus all fees and costs are actually paid for as demanded.
 Points You Must Know About Vehicle Transportation
 Different packers and also moving companies have various systems to give. Hence, it is essential that you check out advantageous cost prior to making the last choice. Currently the concern is actually - do all packers as well as agents deliver car transportation and also insurance coverage of goods? The answer is actually NO.
 Some relocating firms offer car transportation while others concentrate mainly on the moving of house products. Also not all relocating business supply Insurance of products OH.
 Like other services, moving may be actually complicated too. The risks tend to raise when moving long hauls. Hence, you have to check out the solutions of professionals.
 If you are particularly involved about insurance policy and auto transportation, you should decide on a relocating firm that uses such alternatives.
 The major cause for employing Moving providers that deliver insurance policy is actually Security. In the course of the transportation of items, certain traits can easily acquire destroyed or dropped. Accidents can easily additionally occur while in transportation.
 Along with insurance policy coverage, you don't possess to panic. You need to make certain that the packing package currently includes insurance policy. Its own useful to be prepped since you can easily never ever ensure what can easily occur when traveling.
 If you need to take your car during the course of the move or even moving, it would certainly be actually much better to decide on a relocating business that concentrates on car transit. A trusted company can easily guarantee a hassle-free and also quick and easy transport of your valuable automobile OH.
 The best packers and agents can take care of government requirements that aid in access of autos in a different states/countries.
 As an example, as per website traffic rules in some countries vehicle companies are merely enabled on specific days within a stated time period. You must choose a vehicle transport solution that possesses a national authorization to stay clear of potential concerns along with the municipality.
 Other than the governmental requirements, experts can easily additionally successfully take care of challenging streets and the bad website traffic. Newcomers may be conveniently swamped with the continuous roadway developments and confusing overpass 44512.
 Some Facts About International Vehicle Transport
 The task of global vehicle transport providers is special. It uses many sort of companies to the folks. With help from global vehicle transport any kind of type of auto can be actually sent out or even obtained to or from any portion of the globe. Commonly, the automobile that are actually delivered or received from one nation to another feature automobiles, vehicles, electric motor cycles, Recreational Vehicle's, trailers, manufactured homes, buses, air made, water made, choppers, jets, planes, tractor or even trailer gears, heavy equipments and also various other rolled equipments.
 Ordinarily, the entire premier shipping companies operates with the aid of a network of trusted partners. These business operate by means of out the world and also comply in the features like reservation, delivering and also dispatch of autos. The procedure of automotive delivery overseas is actually thought about to be actually even more complicated in evaluation of freight locally within the political boundaries of a country. The process of global vehicle transport is actually complicated due to variant in regulation with various nations. The therapy of such task affects from country to country. All the parameters being quotes greatly hinges on the type and dimension of the automobile that is actually mosting likely to be actually transferred. After the auto being actually transported the transportation company is obligated to pay the whole entire responsibility and guarantees the manager of motor vehicle, a secure range of it to its own location.
 The residential companies accomplish the procedure of transportation through certifies and also dependable foreign shippers. They used to use solutions of superior premium together with effective care of all the items. The method of transportation is being finished with the aid of innovative techniques to supply highest services to the customers at a cost effective price. The international vehicle transport providers have an appropriate expertise concerning what benefits the lorry and what is actually certainly not. They provide an optimal setting to every consignment. The companion providers are actually competent to take care of all the formalities and also setting up all the documentations associated along with custom solutions. It is crucial that the client needs to undergo all the export directions extremely carefully and also sign it after validating all the parts. If there is actually no trademark of the client in the documents after that it may generate severe issues in the procedure of sending off the vehicle 44512.
 The factor that possesses the major influence on different components of worldwide vehicle transport is the rule imposed by the authorities of the overseas nations. The payload shipments are thought about to be responsible for the task in every the countries. The consumers need to have the slips for the delivery and also send off of the cars. It is necessary to pay for the called for obligation due to the customer quickly. This payment features place costs, importation/exportation charges, and so on plus all these happened from client's own wallet. It is actually advised that just before opting for the procedure of repayment the customer must make sure about all the policies and also rules of the concerned foreign country. For this they can easily correspond along with the specialist of international government and afterwards chose all the concerns. There will definitely not a problem come up if all the formalities have been actually revised plus all the responsibilities have been paid out within the correct time period.
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man and van south west london
Moving belongings, particularly the larger ones like furniture, may be hard and also the whole procedure can be extremely hard to take care of for you. Choosing a person with a van might make the process simple for you. You are not going to need to via some of the hassles which people usually have to experience when they try to relocate their points on their own. Changing a home or a workplace could be rather a harsh experience for anyone. You want to make exceptional setups for several points, as well as you're left drained and exhausted also prior to the actual moving. Obviously it can be a reasonable choice for one to look for the support of a person with a van assistance permit it to take care of all the important things relating to the removal procedure. Whether you have actually got a traditional pendant that has to be removed from your house, or a couch to deliver internationally, man with a van are created of knowledgeable professionals that have both the devices and also the power to manage all your demands. You can submerse on your own in a lot of specific and also van services locally which might help aid in each one your deliveries and collections. luton van size and man hire For example, we need to employ trucks if we are altering our residence. Many could believe altering a location is rather a basic work as well as could be attained without the aid of man and van South West London services. Well, they can not be more wrong. There are lots of items in a house which have to be packed and unloaded - and - carrying out all these on your own is well, extremely requiring.
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Thankfully, there are options available in these situations, making use of private and van services. Experienced specialists implement elimination and man assistance with well-equipped lorries. In a snap, your ownerships will be transferred from 1 spot to another. However, it's very crucial that you choose from relied on as well as deemed elimination organisations to accomplish those benefits. When choosing for the suitable organisation, don't simply compare the solutions and also cost quotes, contrast these by analyzing their automobiles and also their expert work force of firms for selecting the greatest removal firm. lowest priced Man and Van service in london Definitely, relocating is a really stressful treatment. Choosing to finish this task yourself can position you in a problem. But need to you lease a van and man solution, all you have to do would be keep tabs on moving procedure and tracking it. Expert hiring providers will look after every one of the stress and also do the procedures for your benefit. Without damaging your valuable properties, you can change them from 1 area to an additional. Luton van hire South East London - for your following action All the packaging, transportation and also unloading of products is finished in this age. In case the altering go on for a couple of even more time, after that you cover the added hours and not to the full day. Provider recognize that the accessory of customers utilizing their possessions as well as take care of all possessions as clients would certainly manage on their own. Cheap van hire expenses might provide you with the remedy you are searching for. You may not have thought about van lease or you may have ignored it as being a lot more trouble than it was worth or something you did not recognize enough about. Below are a few details which might be of interest. Hiring a van isn't really rather as costly as it shows up so it can be a great deal less expensive than hiring a pub. Moving to an additional home isn't really simple. The significant trouble that exists when you're going to stay in a brand-new residence is delivering every one of your home properties. Well, the good news is van hire solutions have assisted resolve this issue to a great level. You can quickly rent van hire rates and relocate to your new home. However in regards to van hire or man hire carriers, you have to ensure that the quality of support given by the supplier depends on the mark. This is since there are a variety of service providers around however just a couple of have the ability to provide solution that's anticipated from them. Are you planning to move to a new location.
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Situate budget-friendly most affordable valued man and also van solution in London The relocation process entails altering of valuables like couch collections in addition to refrigerators. Van hire services can assist you with this. Moving things is a job that needs ability in addition to application. Nevertheless, you require a van hire service which is able to relocate every one of your items about without harmful anything. A excellent van hire solution conserves both time in addition to your initiatives. luton van hire near me Understanding comes beneficial luton van hire london Relocating to a different area requires hours of anxiety. It's important to employ a person that knows the in and out of the procedure as opposed to doing it yourself or asking for assistance from pals. Employing fantastic professionals will certainly make everything appear simple. The very first point you want to know before making use of these services is that it will certainly minimize your stress and anxiety, by a large margin. It really will not look that good should you ask your neighbors as well as good friends for assistance. They provide an economical choice when moving your items from 1 location to another with a extra inexpensive but still efficient setting of carrying items compared with the huge moving firms. One of the most vital advantage of a person and also van hire business is they're quite flexible. They offer tiny to modest relocating options at a price much reduced as compared to conventional movers. Size and also amount of points doesn't matter to these, because they're outfitted to deal with a choice of home things. As they comprise of a person and also a van, they typically can manage around 3 areas of family points. They could comfortably go with you digital tools such as refrigerators in addition to furnishings such as beds as well as seats inexpensively in comparison to the huge moving businesses.
Man and also van pubs are commonly geared up to take care of all your packaging as well as moving needs. For an recognized moving firm, they have invested in the necessary tools needed for dis assembly and setting up of furniture as well as electronics, digital tools to disconnect as well as attach your electronics, as well as packing aids like ramps and also unique crates. man with a van luton As a result, you can anticipate your preferred things to be sent in only the problem which you would certainly want - without suffering any kind of damages or breakage. It's feasible to take pleasure in a stress-free experience as well as overall assurance along with the elimination treatment. You are able to enable the service provider make sure all facets go off easily and also you do not need to bend the stressful duty at all.
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buspartylimo-blog · 7 years
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man and van south west london
Relocating belongings, specifically the bigger ones like furniture, could be hard as well as the whole procedure can be very hard to handle for you. Choosing a guy with a van may make the process simple for you. You are not going to should through several of the hassles which individuals normally need to experience when they aim to move their points by themselves. Changing a residence or a workplace could be instead a rough experience for anyone. You want to make extraordinary plans for several points, and also you're left drained and also exhausted also prior to the actual changing. Undoubtedly it can be a reasonable option for one to look for the assistance of a individual with a van assistance enable it to take care of all of the important things concerning the removal treatment. Whether you have actually got a classic pendant that needs to be gotten rid of from your residence, or a sofa to deliver internationally, man with a van are created of knowledgeable experts that have both the devices as well as the power to manage all your demands. You can immerse on your own in a lot of specific as well as van services locally which may help aid in each one your shipments and collections. luton van hire london As an example, we need to employ trucks if we are changing our residence. Lots of might believe altering a location is rather a straightforward task as well as could be achieved without the help of man and van South West London services. Well, they could not be much more incorrect. There are lots of items in a house which have to be packed and also unloaded - and also - doing every one of these on your own is well, extremely demanding.
youtube
Luckily, there are options available in these circumstances, utilizing specific as well as van solutions. Experienced specialists carry out removal and man support with fully equipped vehicles. In no time at all, your belongings will certainly be transferred from 1 place to one more. But, it's very important that you pick from trusted and also considered removal companies to achieve those benefits. When choosing for the excellent company, do not just contrast the solutions as well as price quotes, compare these by assessing their cars as well as their specialist work force of firms for choosing the very best removal firm. Absolutely, relocating is a really demanding procedure. Making a decision to finish this task on your own could position you in a problem. However need to you rent out a van and man service, all you need to do would certainly be keep tabs on moving treatment and also tracking it. Specialist working with companies will look after every one of the tension as well as carry out the treatments for your advantage. Without harming your priceless ownerships, you can alter them from 1 area to an additional. Luton van hire South East London - for your following step All of the packaging, transportation and unloading of products is finished in this age. In the event the altering proceed for a few more time, then you cover the added hours and not fully day. Service providers understand that the add-on of customers utilizing their possessions and also take care of all ownerships as customers would certainly take care of by themselves. Inexpensive van hire prices can provide you with the service you are searching for. You might not have actually thought of van lease or you could have ignored it as being a lot more trouble than it was worth or something you did not recognize enough about. Below are a few details which may be of interest. Working with a van isn't really quite as costly as it shows up so it can be a whole lot less expensive compared to working with a pub. Relocating to an additional house isn't easy. The major issue that exists when you're mosting likely to reside in a new residence is transferring all your house belongings. Well, the good news is van hire services have actually aided resolve this issue to a amazing extent. You could quickly rent van hire rates and also relocate to your new house. Yet in relation to van hire or man hire carriers, you have to see to it that the high quality of assistance given by the provider depends on the mark. This is due to the fact that there are a variety of carriers out there but just a few are able to give solution that's anticipated from them. cheap luton van hire Are you planning to transfer to a new place.
youtube
Find cost effective least expensive valued man as well as van solution in London The relocation procedure includes altering of valuables like couch sets along with refrigerators. Van hire solutions could aid you with this. Moving things is a work that requires skill along with application. Nevertheless, you call for a van hire service which has the ability to relocate all of your products about without harmful anything. Luton Van Hire South East London A excellent van hire service saves both time in enhancement to your initiatives. Recognition comes valuable Transferring to a different area entails hrs of anxiety. It's necessary to utilize a person that recognizes the in and out of the procedure instead of doing it on your own or requesting assistance from buddies. man with a van luton Working with wonderful specialists will certainly make whatever appear easy. The initial point you need to know prior to making use of these solutions is that it will certainly decrease your stress, by a substantial margin. It actually will not look that great need to you ask your next-door neighbors and pals for aid. They supply an affordable choice when transferring your items from 1 area to another with a extra budget-friendly yet still reliable setting of delivering things compared with the big moving business. One of the most crucial benefit of a individual and also van hire business is they're quite flexible. They provide little to moderate moving choices at a expense far lower as compared to standard moving companies. Dimension as well as quantity of points doesn't matter to these, because they're outfitted to take care of a option of house points. As they comprise of a individual and a van, they typically could manage around 3 areas of household points. They could easily go for you electronic tools such as refrigerators along with furnishings such as beds and also seats cheaply in comparison to the big moving services. luton van and man hire london
Man and van removals companies are frequently geared up to take care of all your packaging as well as relocating needs. For an established moving company, they have actually bought the essential tools required for dis setting up as well as assembly of furnishings and electronics, electronic devices to separate and connect your electronics, along with packaging aids like ramps and also special cages. Therefore, you could anticipate your much-loved things to be sent in just the condition which you would certainly prefer - without suffering any type of damages or damage. It's possible to enjoy a worry-free experience as well as overall assurance together with the removal treatment. You are able to enable the provider make sure all aspects go off easily and you don't need to flex the demanding responsibility in all.
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myusacorporation · 7 years
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U.S. Bank Accounts For Foreign Entrepreneurs
Opening a Bank Account in the United States
Many international businesses need to open a U.S. business bank accounts to make doing business with U.S. customers more convenient and to avoid the hassle of foreign currency and exchange rates. In general, it is strongly recommended that a business entity maintains a separate bank account. This would help keep entity in compliance with IRS record-keeping requirements and will provide for a better way to manage company’s cash flow.
After 9/11 and with the passing of the Patriot Act it became really hard for foreigners to open U.S. bank accounts. Today all US banks are required to document verification that the person opening the account is the person on the I.D. they’re receiving. The easiest solutions practically all banks chose to go with is simply having one of the employees in their branches make sure that the person opening the account in the branch is the same person in the photo I.D.
Some remote account opening options become available from time to time. You are welcome to check this post to see what options are currently available. Otherwise you are welcome to continue reading this article to find out how else you can open a bank account.
Ways to Open a Business Bank Account in the US, and Alternatives
So what are the possible ways to open a bank account in the US for a non-US person, not residing in the US? Let me present you with several possible solutions to this dilemma, including some alternatives to opening an account in the US:
If You Have a Personal Bank Account in the U.S...
If you visited the U.S. in the past and have opened a personal bank account your best bet would be to try to contact your bank (preferably the same branch) and see if the would open an account for your business remotely.
Try a Few Online Bank Options
Periodically it's possible to find an opportunity to open an account remotely with an online bank. For example, you can try such banks as Silicon Valley Bank)or EverBank. Also, eTrade seems to have the option of opening a bank account, even though they are technically a brokerage.  It's a long shot, but worth trying before anything else.
Keep in mind: online banks typically require an SSN (Social Security Number), but would open an account if you have ITIN (individual Tax Identification Number) as a replacement (ITIN has the same number of digits as SSN).
Use a Reloadable Prepaid Debit Card Account Instead of Traditional Bank Account
In most cases what you need is not a bank account per se, but the functions provided by a traditional bank account. For that you can use a reloadable prepaid debit card from companies such as NetSpend,Payoneer,Payza , etc. What you get is an internationally recognized debit card and an account number with routing and ABA numbers.
With such an account you can set up free Direct Deposit of your paycheck, have your card reloaded at various locations (for example NetSpend list on their website more than 100,000 NetSpend Reload Network Locations throughout the U.S. to add cash or checks), and transfer money using PayPal®, a checking or savings account, or another card account (NetSpend or Payoneer). You should even consider opening accounts with several of those companies, to diversify your financial option.
Travel
A trip to the US would present you with the best opportunity to open a bank account. If you plan a trip anyway, or have the financial ability (as well as spare time) to make a trip to the US then it would probably be the best solution. Keep in mind that you need to bring a number of documents, both personal and business related, and it's always a good idea to contact the bank directly prior to arrival to ensure you have all the documents in your possession at the time of visiting the branch. Below I list all the documents required (or those that might be required) by a typical US bank (however keep in mind that even within the same bank different branches might have slightly different requirements).
Verify Your Identity in U.S. Embassy
Some banks would accept I.D. verification through US embassy. A person in a foreign country looking to open a U.S. bank account could go to a U.S. embassy in their country, and someone there at the embassy could sign the I.D. verification form. Obviously, this is really only practical for someone who lives close to a U.S. embassy, however if the only alternative is to travel to the US then it could be a better solution. Of course, this is only meaningful if you verify first with the bank in the US that they would accept it.
Partner with Someone in the US
If traveling to the US or using the embassy solution is not an option, one way to do it is by partnering with someone in the US. Many people have friends and family in the US that could assist them in opening a bank account. It is very important to understand that a person you partner with, who will also be the one listed as company representative at the bank, should be trustworthy, so choose carefully. Keep in mind that this person will have access to all company funds going through this account, and as long as you are not listed as a co-signer on the account, would have exclusive authority to perform such operations as closing or blocking it.
Hire a US Manager/Executive Officer
If you want to keep the ownership to yourself an alternative would be to hire a manager or executive officer for your company, who would represent it at the bank. LLCs for example can be formed as "manager-managed", which in some states would require you to list the manager on company's Articles of Organization. Similar to previous solution that person would have exclusive authority in questions of managing the bank account, so choose carefully.
This solution is different from the previous one in that fact that here you will compensate the manager with a salary (or one time payment), while in the previous solution you compensate them with shares or member interest. To grant this person an authority to represent your company you might need to issue them a Certificate of Incumbency (see below).
Alternative #1: Bank Account In Your Country
Some businesses registered in the US might not even need a US bank account. If your company would provide services to business clients in the US it might be an option to have the funds wired to a US dollar bank account of your US company that you would open instead in your country. If you plan to have a merchant account (for example to accept credit card payments online), not being a US person your only solution might be to open a merchant account with a bank or financial institution in your country, in which case you would need to have a bank account in your country anyway.
Keep in mind, in order to open a bank account for a US company in your country the company documents need to be certified through a process called "Apostille/Embassy Certification" (see below).
Alternative #2: Bank Account in Another Country
You might as well opt for opening a bank account in an offshore jurisdiction. Many jurisdictions are known for their beneficial environment for business activity and make it easy to open bank accounts remotely, so you might want to consider researching this option further.
Alternative #3: PayPal and Similar Services
Depending on your business needs you might want to opt for using financial services such as PayPal. If you are having hard time opening bank account and merchant account for your business, using PayPal or similar services (such as Google Wallet, Amazon Payments, etc.) to collect payments from your client might be your only (but nevertheless viable) option.
Alternative #4: 2Checkout, Stripe & Skrill (ex-MoneyBookers)
If the only reason why you need a U.S. bank account is to be able to collect payments from your U.S. clients you should consider using 2Checkout, Stripe, or Skrill for credit card processing. 2Checkout, Stripe and Skrill allow merchants based in a number of countries covering wide range of industries to collect online payments from buyers across the globe.
MORE ABOUT 2CHECKOUT: 2Checkout is a worldwide leader in payments and e-commerce services. 2Checkout powers online sellers with a global platform of payment methods and a world-class fraud prevention service on secure and reliable PCI-compliant payment pages, including its newest feature, Direct Checkout, an inline checkout solution designed to overlay the final cart page and appear to your customers like they have never left the site!
2Checkout’s payments platform bundles a gateway and merchant account into one single offering with no need to contract with a merchant bank or manage separate agreements.  You can accept Visa, MasterCard, AMEX, Discover, PayPal, Diner’s Club, JCB and Debit cards (in the U.S.) from one solution through 2Checkout’s fully secure hosted payment pages. In addition, 2Checkout provides industry leading recurring billing services, call center support,  full SSL certification, and the system is translatable in 15 languages and 26 international currencies for buyers and sellers in over 200 countries.
Alternative #5: High-Risk Merchant Accounts
If your country or industry is not covered by 2Checkout or Skrill there is an option of high-risk merchant accounts. The terms of use for those accounts usually include higher that regular fees (between 7% and 15%), and also longer payout delays (2-3 weeks, compared to 2-3 days for regular accounts). Some other terms might apply. When you establish some history with the high risk merchant account provider (such as 6-9 months of flawless processing) you could qualify for better terms. Also, your processing history with one provider could be used in the future to apply for a merchant account with another provider, with better terms.
Required Documents
When opening a bank account in the US a company representative appearing in person in the bank would need to bring specific company and personal documents. Below you can see the list of all possible documents a representative would be required to have in his/her possession:
Articles of Incorporation/Organization
To open a business account in the U.S., a company must be registered in one of the US states or D.C., and a representative would submit proof of this entity formation to the bank. The type of documentation required depends on the type of entity formed: a corporation must submit Articles of Incorporation, and an LLC must submit Articles of Organization. Some banks would accept filing receipt instead, but majority require a certified copy of Articles.
EIN Confirmation Letter
EIN (also known as federal employer identification number) Confirmation Letter (form SS4) is required by all banks to open a business account. The basic reason is that the bank (and yourself) have tax reporting requirements to the Internal Revenue Service (IRS) based on your account information, and the EIN is required as the reporting identification number.
Photo Identification
Typically a bank would require 2 pieces of identification for the company representative opening the account, at least one of these must have a picture. A passport would work just fine, but make sure its not expired.
Proof of Address (Applicant)
Banks require the company representative opening the account to submit a personal proof of address. Examples of eligible documents are utility bills, or foreign bank account statements (preferred). Keep in mind - the document MUST be in English. If it's in language other than English it must be officially translated and notarized. Keep in mind, some banks have multilingual bankers, authorized to accept documents in the language they are certified for, but you shouldn't count on that.
US Business Address
Most U.S. banks will not open a business account without a U.S. physical address. Sometimes the bank will accept the street address of a Registered Agent, otherwise known as a Registered Office. Banks are usually accommodating on this requirement, especially if your type of business is one in which having a physical branch is impractical, for example a company that does business mainly over the Internet.
Some banks also require that the U.S. physical location be within a certain distance (e.g. 10 miles) of the bank branch at which you open the business account. For example, you cannot open a business account in New York if your U.S. physical address is in California.
Minimum Deposit
Minimum deposits vary from bank to bank, with most brick-and-mortar banks requiring as little as $100 (some banks might even have $0 deposit requirements). Check with your bank what would be their minimum deposit requirement for foreign clients.
Letter from a CPA or Company Attorney
This document might be required in some banks, if the bank is located in a state other than the state of registration. For example, if you register a Wyoming LLC and want to open an account in a New York bank, the bank would want to see a statement, written by a company accountant or an attorney, stating that this company does not do business in their respective state (in our example, New York). This should not be a complicated letter, something along the lines of, e.g., "I am such and such, confirming that company ABC, formed under the laws of Wyoming, does not and has no immediate plans to conduct business in the state of New York...". The letter must be dated and signed.
Certificates of Good Standing
Many banks require that companies submit Certificates of Good Standing (also called Certificate of Existence) to show that they are currently doing business and in good standing in the state in which they formed their business. Please contact the bank to see if they have this requirement.
Certificate of Incumbency
Certificate of Incumbency (also called "Incumbency Certificate") is an official document that lists the names of incumbent directors and officers within an organization, and their corporate position within it. An Incumbency Certificate is used as confirmation of the identity of the signing authorities of a company and to prove that they are authorized to enter into legally-binding transactions on the company's behalf. This certificate can be drafted on demand (there are plenty of samples online), and must be signed by the company secretary and sealed by a company seal.
Banking Resolution
Banking Resolution is a company document issued by the Board of Directors (for corporations) or by Members (for LLCs), giving certain individuals the authority to open a bank account on behalf of the company. Some banks have specific language that they require to include in the resolution (and would often supply a sample), other bank accept resolutions issued by the company, as long as it clearly presents and identity of the individual(s), and the extent of the authorization.
Operating Agreement / Bylaws & Minutes
An operating agreement is an agreement among LLC Members governing the LLC's business, and Member's financial and managerial rights and duties. Corporate bylaws are generally concerned with the operation of the corporation, setting out the form, manner or procedure in which a corporation should be run. Bylaws come with minutes of meetings (in the beginning they would include the initial meeting, where bylaws are adopted by the board of directors).
Some banks would require a company representative to present the bank with a copy of those documents (operating agreement for LLC, and bylaws with minutes to corporations) when opening a bank account (albeit its quite rare).
Apostille/Embassy Certification
If you plan to open a bank account in your country or in one of the offshore locations you should be aware of the local regulations and inquire at the bank which documents would be needed to open an account. Typically, at least the Articles of Organization/Incorporation would be required, and this document then needs to be certified for international use.
If you plan to open a bank account in any jurisdiction that is a signatory of a Hague Convention (also called "Apostille Convention") then you would need to have an Apostille attached to a certified copy of your company's Articles (this is done on a state level only).
If you plan to open the bank account in any other country or jurisdiction that is not a signatory of the Hague convention then the process is a bit more complicated and involves certification of the document at the US State Department and then at the Embassy of the country/jurisdiction in question.
Banks to Try
In the current banking market, customers can choose between brick-and-mortar banks, typically big national banks with numerous local branches throughout the country, or Internet-only banks.
The advantage of brick-and-mortar banks, such as Chase, Citi Bank, Bank of America, Wells Fargo, or HSBC, is that they have many local branches where you can visit and speak to representatives in person. On the other hand, the main advantage of Internet-only banks, like Silicon Valley Bank, EverBank, ING Direct and HSBC Advance, is that they do not have the overhead expenses of operating local branches, and therefore can afford to offer their customers better rates on their accounts.
Internet-only banks might be more flexible in terms of accepting applications of foreigners, however many of those banks reject applications without Social Security Number.
It's a good idea to contact several banks and see what options they have for foreigners who cannot travel to the US. If you can travel in person then you should have no problem opening a bank account, provided you are equipped with all the documents when you show up at the bank. Most banks would permit you to fax or email them whatever document that would be missing, the most important thing for them is to go through identity verification process of the applicant.
Conclusions
Although opening a bank account in the US might seem a complicated issue, it is really only complicated by the requirement of personal appearance at the branch. Therefore its a good idea to plan ahead before a company is formed and see if (a) a bank account in the US is absolutely necessary, or one of the alternatives would work just fine, (b) is it possible (or feasible) to make the trip to the US in person, or (c) is there are third party (friend, relative, someone you would choose to trust) located in the US who would agree to join the company as partner or manager.
Good luck with your new business venture!
https://myusacorporation.ru/en/us-bank-account-for-non-residents.html
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