When it comes to travel rewards, the Chase Sapphire Preferred Credit Card is one of the more popular ones. There are other cards at par too that you can choose to get excellent travel rewards if dining and travel form a huge part of your credit card purchases.
Chase Sapphire Preferred Credit Card
There’s no Annual Fee for the first year, then the charge is $95. You can earn 20,000 bonus points if you spend $4,000 within the first 3 months. Earn 2x points when you use the card for travel or dining. For all other purchases, earn 1 point per dollar. You can transfer the points at 1:1 rate to many airline and hotel loyalty programs. Book your travel through Chase Ultimate Rewards portal and get a 20% discount
Discover It Miles
At no Annual Fee, this card gives you 1.5x miles for every dollar spent. The card will also reimburse for $30 of your in-flight wi-fi purchases each year. At the end of the first year, Discover It Miles will match every mile you’ve earned.
Bankamericard Travel Rewards Credit Card
This card charges no Annual Fee and no foreign transaction fee. For every dollar spent, you get 1.5 points. If you have an active savings or checking account with Bank of America, you get 10% customer points bonus on every purchase.
Get 20,000 bonus points for $1000 spent during the first 3 months. You can redeem this for $200 in travel related purchases. Points can be redeemed for flights, hotel bookings, buying vacation packages and so on.
You get an intro APR of 0% on all purchases for 12 months. The ongoing APR is 15.49% to 23.49% at a variable rate.
Capital One Venture Rewards Credit Card
There’s no Annual Fee for the first year, $59 after that. You earn 2 miles for every dollar spent. Earn a bonus of 40,000 points for a purchase of $3000 within the first 3 months. This bonus can be redeemed for $400 in travel purchases. You can redeem the rewards at any airline or hotel
Southwest Rapid Rewards Premier Credit Card
Earn 2 points for every dollar spent on Southwest, Rapid Rewards partner hotels, and car rentals. Earn 1 point per dollar for other purchases. Earn 3000 points for every anniversary. Spend $2000 in the first 3 months and earn 50,000 bonus points. Rewards don’t expire. Baggage check in is free.
Starwoods Preferred Guest Credit Card from American Express
You don’t have to pay an annual fee for the first year, then $95 afterwards. You can earn 1 point for every dollar spent. Earn 3 to 5 points for purchases on Starwood properties. With 1,300 properties across 100 countries, you can use this card in most places. You can also redeem the points for airline miles. Transfer 20,000 points to select airlines and get 5000 points bonus.
Choose the card that suits your travel habits and preferences. These cards let you save a lot on travel expenses and are flexible about which airlines or hotel you can redeem at.
There are companies that work on collecting and maintaining credit information of consumers. These are known as credit reporting agencies (CRAs). There are three such major CRAs in the country, namely Equifax, Experian, and TransUnion. Apart from these, there are other smaller-scale agencies too that specialize at the job. If you’re worried about “where to get my credit score?,” the larger CRAs are the most reliable bets.
These major CRAs obtain information from companies that you hold business and transactions with. People or companies that lend you money regularly report to these CRAs on your repaying status. There is also detailed information on the amount you are indebted and whether you have ever defaulted on your payments. Aside from the reports obtained from lenders, these companies also tally your general records based on certain other aspects. Some of these aspects are your public records from the local and state judiciary. These include your tax records and bankruptcy information. This information makes up an important chunk of your credit score and its report.
Equifax
Present in 24 countries, Equifax is an agency that offers consumers protection against identity theft and credit fraudulence. They also sell credit reports and credit monitoring assistance to businesses.
Experian
Experian started off in London and is now a trusted agency in 39 different countries. It provides you with a credit score, credit report, and even credit tracker on subscription. The agency uses FICO 8 system of credit score calculation. Experian was a part of Forbes’ “World’s Most Innovative Companies” in 2018.
TransUnion
Based across 30 countries with a database of over 1 billion consumers, TransUnion is another CRA giant. The agency, like the other ones, will provide you with your credit score and your credit reports. In case you decide to freeze your TransUnion credit report, it will also go the extra mile to notify Equifax and Experian, which frankly is a big help especially in case of identity theft and credit fraud.
So, the next time you are sat wondering “where to get my credit score?,” think of these three giants that provide you with an annual credit score and credit report for free once each year. However, if you are looking for more frequent updates, you can subscribe to their services and receive your monthly updates.
Did you know that you have more than a single credit score? Agencies calculate your credit score based on the data in your credit reports. If you are wondering, “where to get my credit score?,” there are three main credit reporting agencies. These can have different credit scores for you if your information on each of their credit reports is different. Also, these agencies charge a fee to reveal your credit score.
Recently, it has become easier to track and get hold of your credit score without paying any fees. You can get it from your credit card company, your loan provider, and even from a non-profit counselor. Here are a few tips you can use to check your score.