View stunning SlideShares in full-screen with the new iOS app!Introducing SlideShare for AndroidExplore all your favorite topics in the SlideShare appGet the SlideShare app to Save for Later — even offline
View stunning SlideShares in full-screen with the new Android app!View stunning SlideShares in full-screen with the new iOS app!
Worth it!No fee for many of the best 5X and 6X bonuses!• Chase Ink Classic, Ink Cash: 5X• US Bank Cash+ 5X (choose 2)• Chase Freedom, rotating 5X (limited to $6K / year)• Citi Forward 5X• American Express Hilton HHonors: 6X
Worth it!Best alternative is sign-up bonus spend. Let’s look at some sign-up offers…
Ink Bold / Ink Plus• Current offer: 50K points after $5K spend. • If spend within 1X categories, total 55K points • Earnings: 11X• Prior 50K offer: 25K points free + 25K points after $10K spend • If spend within 1X categories, total 35K additional points • Earnings after free bonus: 3.5X
Sapphire Preferred• 40K points after $3K spend • If spend within 1X categories, total 43K points • 14.33X
BA 100K offer• 50K Free, 50K more after $20K spend • BA card earns 1.25 points per dollar • Total 75K additional points • Earnings: 3.75X
More…• Citi AA: 50K after $2500 spend • Total 5250 points • Earnings: 21X• Amex SPG: 10K free + 15K after $5K spend • Total 20K additional points • Earnings: 4X• CitiBusiness ThankYou: 50K after $6K spend • Total: 56K points • Earnings: 9.33K
Worth it!• Sign-up bonus spend ranges from 3.5X to 21X • Better than category bonuses, but not by orders of magnitude• Category bonuses available year around• Ideal: • Meet sign up bonus spend within each card’s bonus categories • E.g. Meet Hilton HHonors min spend at grocery stores, drug stores, and gas stations • Otherwise, meet spend where no good 5X categories exist
Worth it!Use tools to make card selection easier(more on this later)
Best Category Bonuses 6X 5X groceries,telecom, gas, drug cable, storesinternet, office supply 5X restaurants, bookstores, 2X movies Travel, Dining 5X Select two 5X categories Rotatingcategories
What to do with all that?A trip for two:• Two round trip award flights on UnitedPlus• $200 revenue flight or car rental via ThankYou pointsPlus• Two nights HiltonPlus• Cash for dining, excursions, extra hotel nights, etc.