Template: Sample Card

  

[ American Express Webpage]

Annual Fee

$

Typical Signup Offer

$ initial spend

Bonus Categories

x xxx purchases (≈x%)

x Category

None

% Foreign Transaction Fee

This is a summary paragraph about the card.

xxx Credit Card Options

There are xxx different xxx credit cards. There are xxx different versions of the xxx card.

• xxx version. This is the normal version of the card, and makes the most sense for people who want to get the card for its benefits, as well as people who just want the card for its signup bonus. The normal version of the card is the main focus of the guide, and will typically be the first choice of anyone who wants the card for its ongoing benefits and/or signup bonus.
• xxx version. Official Webpage

Foo

Foo Introduction to xxx Points xxx's loyalty program is called [ xxx]. You can use your AIRLINE points on US AIRLINE, any other ALLIANCE airline, and any of AIRLINE's other airline partners. Some example partners include Air France, KLM, and Korean airlines. Some other notable partners include Cathay Pacific, British Airways, and Japanese Airlines. LATAM uses a distance-based award chart, which often requires fewer points than other airlines. Rather than calculating the number of points you need based on the "zone" you are flying to, LATAM charges based on the actual number you fly. As a result, using LATAM points for award tickets is often cheaper than other frequent flyer programs. This is especially true for shorter flights that cross regional boundaries. . You can easily combine your AIRLINE miles and Membership Rewards points, to book awards. AIRLINE is a partner of the Membership Rewards and SPG transferable point programs. Collecting the Signup Bonus xxx Points Our base value for xxx points is xxx cents per point. How Much are Points Worth?. Template:Sample Card/Box It is worth signing up for this card, just to collect the signup bonus. After subtracting the annual fee and the opportunity cost of using the card for $point of spending, the calculated net value for the initial year is $NUM ( cents per dollar spent). It isn't very much, but it is better than nothing.. After subtracting the annual fee, and the opportunity cost of using the card for $INITIAL of spending, the calculated net value of the sign-up is $NET ( cents per dollar spent). Your value may be higher or lower, depending on how much you value the TYPE. How Much are Points Worth? In addition, the card comes with a CREDIT. In addition, this card with a free hotel night, good at CAP, and valued at $VALUE. The normal 30,000 point signup offer is valued at $510 (at 1.7 cents per point), assuming that you have another Chase card (Sapphire Reserve, Sapphire Preferred, or Ink Preferred), that lets you transfer your Ultimate Reward points to airline and hotel partners. You can earn signup bonuses from multiple different Chase Ultimate Reward cards. You are limited to only one version of the Chase Sapphire card (every 24 months), but there is also the Ink Preferred, Ink Cash, Freedom, and Freedom Unlimited cards. It is difficult to collect the signup bonus a 2nd time, because of the Chase 5/24 rule. Normally, Chase will let you earn a signup bonus, once every two years. However, if you've been signing up for other cards, you won't be able to get approved for either of these cards, due to the 5/24 rule. You'll need get under the 5/24 limit, before you can earn the bonuses from one of these cards again. It is worth signing up for this card, just to collect the signup bonus. The typical signup bonus is , valued at $ (at xxx cents per point). After subtracting the annual fee and the opportunity cost of using the card for $3,000 of spending, the calculated net value for the initial year is $ ( cents per dollar spent). How Much are Points Worth? It is worth signing up for this card, just to collect the signup bonus. The normal signup bonus is 50,000 points, valued at $350 (at .70 cents per point). After subtracting the annual fee, and the opportunity cost of using the card for $1,000 of spending, the calculated net value of the sign-up is $330 (33 cents per dollar spent). Your value may be higher or lower, depending on how much you value the the points. There is none. You may be able to earn the signup bonuses from both the personal and business version of the card. If you have any kind of side business, you are entitled to apply for business cards. If so, you can earn the signups from either or both versions. Unlock Extra Reward Points with Business Credit Cards. You can only earn the signup bonus once per lifetime. With Amex cards, you are normally not entitled to earn the signup bonus, if you've ever had the card before. However, you may eventually receive a targeted offer that bypasses this limitation, allowing you to earn the bonus an additional time. It is difficult to collect the signup bonus a 2nd time, because of the Chase 5/24 rule. Normally, you are eligible for a Chase signup bonus, if you haven't already earned the bonus from the same card during the last two years. However, due to the Chase 5/24 rule, if you've been signing up for other cards, you won't be able to get approved when you reapply. You'll need get under the 5/24 limit before you can earn the bonus again. Dealing with the Chase 5/24 Rule. This card is NOT affected by the Chase 5/24 rule. You can still get approved, even if you have acquired more than five new credit cards over the past two years. However, if you've been signing up for lots of credit cards, there is some risk to trying to get additional Chase cards. When Chase pulls your credit report for your application, they take a look at your overall number of accounts and recent inquiries. If you've been very active, there is a small chance that Chase will cancel all of your existing cards, due to screening procedures related to "breakout risk". If you don't want to risk losing access to your existing Chase cards, you might avoid signing up for any new Chase cards, once you've signed up for over 10 cards in the past two years. On the other hand, most people have been able to safely get new Chase cards even though they are well over that number. You can earn the signup bonus once every two years. You are eligible for a Chase signup bonus, if you haven't already earned one, from the same card, during the past two years. If you xxx, it is worth signing up for the card, just to collect the signup bonus. The normal xxx signup bonus is worth about $xxx. The Best Credit Card Signup Bonuses. Most people shouldn't bother getting this card just for the signup bonus. The normal offer is xxx, valued at about $xxx. . However, if you decide to get this card for xxx, the signup bonus provides a nice side benefit. . This card is primarily interesting for its xxx, not its signup bonus. The normal signup bonus on the card is xxx, valued at about $xxx. It isn't much, but its a nice side benefit, assuming you are interested in the card for other reasons. You may be able to earn the signup bonuses from both the personal and business version of the card. If you have any kind of side business, even one that hasn't earned money yet, you are entitled to apply for business cards. If so, you can get xxx from the regular version, and xxx from the business version. Unlock Extra Reward Points with Business Credit Cards. You can only earn the signup bonus once. Amex only allows you to earn a signup bonus once per lifetime. Occasionally, targeted offers bypass this limitation, and allow you to earn the bonus for a card that you had before. The Chase 5/24 rule makes it difficult to collect the signup bonus again. Chase will let you earn the signup bonus for one of these cards, if you haven't earned a signup bonus for either the Sapphire Reserve or Sapphire Preferred card, during the past two years. However, both of these cards are subject to the Chase 5/24 rule. If you have been signing-up for other cards, you won't be able to get approved for either of these cards later, and won't be able to earn the signup bonus again. Taking Advantage of the Annual Credit Credits only apply to incidental expenses like baggage fees, food and beverage fees, and airport lounge access, not on actual ticket purchases. The credit for this card explicitly includes ticket change and cancellation fees, and preferred seating upgrades, which are often excluded from similar credits. However, it only includes flights that at least start in the United States, and that are operated by the major US airlines. Furthermore, you will only receive the credit for fees and incidental purchases made on a single airline that you choose when you first get the card, and can only change at the beginning of every calendar year. If you choose an airline that you fly most frequently, chances are that you'll already have a credit card or elite status that will let you avoid most fees. If you choose an airline you fly less frequently, there is a good chance you won't be able to take full advantage of the credit each year. Because the credits are issued on a cardholder-year basis, you can only qualify for a single credit during each year you have the card. Because the credits are issued on a calendar-year basis, you can qualify for two credits the first year you have the card. For example, if you sign up for the card in August, you can get up to $100 credit for purchases made between August and December, and you can get take advantage of another $100 credit between the January and August. You are not supposed to receive the credit when you purchase a gift card from the airline. However, in practice, you are sometimes still reimbursed. If you don't have an opportunity to use the credit naturally, you can typically purchase small denomination gift cards, take advantage of the credit, and then eventually use the gift cards to purchase actual airplane tickets. This works on same airlines and not others, and the maximum amount of the gift card differs on an airline-specific basis, so at the beginning of the year, you'll need to go online and check the current state of affairs. so you'll need to do some experimentation or online research to see what works. If you can naturally take full advantage of this credit, or are willing and able to take advantage of airline gift cards, the effective annual fee on this card becomes much more reasonable. Optional Section for Any Major Benefit Other Notable Benefits Airport lounge access. Like the other premium cards, a get a Priority Pass membership that provides free access to over a thousand airport lounges and restaurants. With this card, you can bring in your family or up to two travelling companions. Get Free Airport Lounge Access from a Credit Card Free checked bags. The first checked bag is free for the primary cardholder and up to five companion. Get Free Checked Bags with Airline Credit Cards. Hotel Level elite status. This entitles you to ... . Free cell phone protection. If you use the card to pay for your cell phone bill, you'll get free cell phone protection for an unlimited number of lines on your account, but only for employee accounts. This includes coverage for damage or theft, but not for lost phones. Benefits are capped at $600 per incident, and three incidents per year, with a $100 deductible. This is one of the very few non-business credit cards that provides cell phone protection. Get Free Cell Protection from these Credit Cards. 12 Gogo passes per year. Each one is good for a free inflight Wi-Fi session. Gogo website. "Primary" rental car insurance. If you use this card to pay for your rental car, you'll get primary rental car insurance. Unlike the "secondary" insurance you get from most other cards, if you damage your rental car, you don't need to involve your personal auto insurance company. Credit Cards That Provide “Primary” Rental Car Coverage. Boingo hotspot access. Free access to over a million Boingo hotspots around the world. Boingo website. $100 TSA fee credit. Every four years, you can receive an automatic reimbursement of your Global Entry or TSA PreCheck application fee (up to $100). Free roadside assistance. The roadside assistance benefit that comes with most credit cards simply connects you a to nearby service provider. But this card actual pays for your roadside assistance services, including towing, lockout assistance, spare tire installation, jump starts, or emergency fuel. Get Free or Discounted Roadside Assistance with these Credit Cards. <!-Citi (10 miles), Chase ($50), Amex (10 miles)--> Access to Chase's Luxury Hotel and Resort Collection. Along with other Chase cards, you'll get access to Chase's luxury hotel program. When you use the program to book one of the participating hotels, you'll receive a set of valuable benefits, including free breakfast, late check-out, and a hotel-specific amenity (which is typically a $100 hotel, restaurant, or spa credit). Take Advantage of Luxury Hotel Programs for Valuable Extra Perks. Amex Hotel Collection. When you use this luxury hotel program program to book a two night stay at one of the participating hotels, you'll get a room upgrade (upon availability) and a $100 credit to spend on dining, spa, and resort activities. Hotel Collection Website. $25 airline incidental credit (with every FlexPerks flight redemption). Every time you use your FlexPoints to book a round trip airline ticket, you get an additional $25 credit you can use for incidental expenses on that flight (like baggage fees or inflight food and beverage purchases). The credit is not automatic; you need to call in within 90 days of travel to apply the credit to any qualifying purchases. Free museum entry. As with all Bank of America credit cards, you'll get free admission to hundreds of museums on the first weekend of every month. Admission is for the cardholder only. Guests are not included, nor are any special exhibitions and other ticketed shows. Museums on Us. BankAmeriDeals. Bank of America has a shopping discount program that works like Amex Offers. To get each discount, you'll need to "activate" it through their website. Once activated, discounts are automatically applied when you use your card for the corresponding purchase. Most deals are cash-back based (typically 10%). BankAmeriDeals. Access to Amex Offers. Amex continuously provides discount offers to their cardholders. Most of the offers are in the form of "Spend $x, get $y back", but other offers are in the form of "x% off your entire order" or "Earn an extra Membership Reward point on your purchases". To take advantage of the offers, you need to go to the Amex website, find the ones you are interested in, and "add them" to your card. Each offer will then be automatically applied when you use your card to make the corresponding purchase. Amex Offers Website. Free ShopRunner membership. As with all Amex cards, you are entitled to a complimentary ShopRunner membership, which provides free two-day and return shipping from around 150 of the largest online retailers. ShopRunner Website Exclusive access to entertainment events. Amex sponsors cardmember-only events around the country and also provides early ticket access for some other shows. Access to the Visa Signature Luxury Hotel Collection. As with all Visa Signature cards, you'll get access to Visa's luxury hotel program. Whenever you book one of the 900+ participating hotels, you'll receive a set of valuable benefits, including free breakfast, late check-out, and a $25 food and beverage credit. The Visa program has slightly weaker benefits than the other luxury hotel programs, but includes a larger number of more affordable hotel options and a best price guarantee. Take Advantage of Luxury Hotel Programs for Valuable Extra Perks. Access to Visa Signature Offers. Your card entitles you to a set of special offers available from Visa. Car rental elite status. Like all other Visa Infinite cards, your card entitles you to elite status with National car rental. Instant Car Rental Elite Status. Visa Infinite Hotel benefit. Visa Infinite cardholders get access to the Visa Luxury Hotel program. At about 200 hotels, Infinite card holders get an additional benefit (typically some sort of $100 credit) on top of what is available to Signature cardholders. You'll also have access to the regular Visa Signature hotel program, which provides slightly weaker benefits at a much larger collection of hotels. Take Advantage of Luxury Hotel Programs for Valuable Extra Perks Access to Visa Signature Offers. Your card entitles you to a set of special offers available from Visa. Free Shipt membership. Infinite holders can signup for three years of free delivery with this Instacart competitor (normally $99 per year). Signup. Access to Mastercard luxury hotel program. When you book at one of the participating hotels, you'll get an number of valuable benefits, like free breakfast, a $100 hotel credit, a room upgrade, and late checkout.Take Advantage of Luxury Hotel Programs for Valuable Extra Perks Free ShopRunner membership. Like all World Elite Mastercards, your card entitles you to a complimentary ShopRunner membership, which provides free two-day and return shipping from around 150 of the largest online retailers. ShopRunner DoorDash and Hello Fresh discounts. Cardmembers who have a DoorDash membership get $5 off their first two orders each month when paid for by their Mastercard. If you don't have a free membership from Chase, you can get your first three months membership for free through Mastercard. You also get a 5% credit back on each HelloFresh purchase. Elite car rental status. As with all World Elite MasterCards, you get free National Emerald Club Executive and Sixt Platinum status. Instant Car Rental Elite Status. Access to Mastercard's luxury hotel program. Another benefit of high-end MasterCards is access to MasterCard's luxury hotel program. When you use the program to book one of the participating hotels, you'll get a number of valuable benefits, like free breakfast, a $100 hotel credit, a room upgrade, and late checkout.Take Advantage of Luxury Hotel Programs for Valuable Extra Perks. Free ShopRunner membership. Like all World Elite MasterCards, your card entitles you to a complimentary ShopRunner membership, which provides free two-day and return shipping from around 150 of the largest online retailers. ShopRunner. DoorDash and Hello Fresh discounts. Cardmembers who have a DoorDash membership get $5 off their first two orders each month when paid for by their Mastercard. If you don't have a free membership from Chase, you can get your first three months membership for free through Mastercard. You also get a 5% credit back on each HelloFresh purchase. Some additional discounts. If you pay for at least 3 Lyft rides each calendar month with your Mastercard, you'll receive a $5 Lyft credit good for the following month (once you enroll in the Lyft app). You also receive double Fandango points, a 5% reward rebate at Boxed, and $5 off every Postmates order of $25 or more. Bonus Categories You are better off making your BRAND purchases with a card that earns a high reward rate on all your hotel purchases. 2x Brand points are valued at cents per dollar. That's not as good as what you'd earn from a card that offers good bonus rewards on travel spending.Best Credit Cards for Travel Spending. You are better off making your BRAND purchases with a card that earns a higher reward rate for airfare spending. 2x Brand miles is okay but not as good as what you'd earn from one of the better cards.Best Credit Cards for Travel Spending. There are better options for your grocery and gas purchases. plural more valuable than what you would get from a good general-purpose reward card, but you can earn even more valuable rewards with other cards. Best Credit Cards for Grocery Spending. Best Credit Cards for Gas Spending. There are better options for your CATEGORY purchases. The bonus category rewards from cardname are more valuable than what you would earn from a good general-purpose reward card, but you can earn even more valuable rewards from other cards. There are better options for your CATEGORY purchases. The rewards from this card are more valuable than what you would get from a good general-purpose reward card, but not as good as what you could get from a card that offers good bonus rewards for this category. This is one of the only cards that earns bonus rewards on CATEGORY purchases. It usually isn't worth getting this card, just to earn these bonus rewards. But, if you want the card for other reasons, using it for your CATEGORY} purchases will probably earn you more rewards than you would get from your general-purpose reward card. You don't want to use these cards for your everyday spending. You'll earn higher rewards from a good general-purpose reward card. Get a Great General Purpose Reward Card and Use It for All of Your Spending. Template:Sample Card/Page