Chase Expands Shops at Chase Shopping Platform with 20 New Premium Brands

by Cory Santos
Shops at Chase

Chase has significantly expanded its digital shopping platform, The Shops at Chase, adding 20 new premium brands to enhance the online shopping experience for its cardmembers. The platform, which initially launched earlier this summer with 15 brands, now features a total of 35 high-end retailers across categories including travel, home, electronics, and f

Shops at Chase Now Available to Chase Proprietary Cardmembers

The new shopping destination features an impressive lineup of high-end brands, including Ray-Ban, Tory Burch, Breitling, Callaway, TUMI, and many others. Chase cardmembers can access the platform through Chase.com or the Chase Mobile App, with eligible cards including Chase Freedom, Sapphire, and Ink.

“By combining seamless shopping with top brands and rotating promotions, The Shops at Chase is a new and convenient way for our customers to connect with brands they love,” said Rich Muhlstock, Head of Offers and eCommerce & President of Chase Media Solutions at Chase. “We’re excited to continue to create new shopping capabilities to help our customers save time and money.”

The platform boasts a carefully curated selection spanning multiple categories, including travel, home, electronics, retail, and fitness. Current featured brands include Baccarat, Bang & Olufsen, Breitling, Callaway, CALPAK, Cuisinart, Dyson, Ray-Ban, Samsonite, SMEG, Solo Stove, SONY, Therabody, Tory Burch, and TUMI, with plans to expand the selection further.

Enhance Features

Chase has enhanced the user experience by implementing personalized product 

recommendations based on cardmember interests. The checkout process has been streamlined with pre-filled shipping information, creating what Chase describes as a “cost-effective and time-efficient way to shop.”

This initiative is part of JPMorgan Chase’s broader strategy to enhance shopping, travel, and dining benefits for its customers. The Shops at Chase complements existing programs like Chase Offers, where cardholders can earn cash back on purchases through activated offers from partner brands.

Featured image by Canva

EEEEEATSCON NYC 2025 Tickets On Sale Now

by Cory Santos

Last updated on August 7th, 2025

The Infatuation has announced the highly anticipated return of its signature food festival, EEEEEATSCON, set to take place at Pier 76 in New York on October 4-5, 2025. The culinary extravaganza, exclusively available to Chase cardmembers, will showcase an impressive lineup of restaurants and special programming throughout the weekend.

EEEEEATSCON Returns to NYC This October

Tickets for the two-day gastronomic celebration are now on sale through eeeeeatscon.com, with access restricted to Chase cardmembers only.

The event will be held at Pier 76, located at 408 12th Ave West, New York, NY 10018. Chase Sapphire Early Entry ticketholders will enjoy extended access from 11 a.m. to 6 p.m. EST, while General Admission cardmembers can enter from noon until 6 p.m. EST.

One-of-a-Kind Collaborations and Engaging Performances

EEEEEATSCON New York will feature an exciting array of one-of-a-kind restaurant collaborations and some of The Infatuation’s favorite eateries from New York and across the country. Local favorites including Caffè Panna, Kabawa, Atoboy, Lucali Pasta Shop, and Santo Tacos will represent New York City.

The festival will also welcome notable out-of-town establishments, including:

  • Cowy Burger x The Salty from Miami
  • Down North Pizza from Philadelphia
  • The Brothers Sushi from Los Angeles
  • Parish Barbeque from Austin

Special collaborations like Cmarty’s Jerk x Titi’s Empanadas and Down North Pizza x Aunts et Uncles highlight the festival’s unique approach to culinary partnerships.

Beyond the food, attendees can enjoy engaging programming throughout the weekend. The legendary improv group The Second City will perform, while popular podcast hosts from How Long Gone and Lemme Say This will host live conversations. Celebrity chef and restaurateur David Chang is also scheduled to make an appearance, with more names to be announced in the coming week.

Enjoy exclusives with Chase Sapphire

Chase Sapphire Reserve cardmembers will enjoy premium benefits, including access to the exclusive Chase Sapphire Reserve Experience featuring complimentary beverages and exclusive bites. Additionally, Reserve cardmembers have the option to purchase an All-You-Can-Eat ticket through Chase Ultimate Rewards while supplies last.

A special promotion allows Chase cardmembers to earn cash back during the event by activating a limited-time Chase Offer that provides $10 back when spending a minimum of $10 on food and beverages from participating restaurants. 

Cardmembers must activate this offer through Chase.com or the Chase App prior to purchase.

Featured image by Chase Sapphire

Chase Announces Dia de los Muertos Curated Trip for Sapphire Reserve Cardmembers

by Cory Santos
Chase Sapphire Dia de los muertos

Chase has unveiled a special travel package allowing Chase Sapphire Reserve cardmembers to experience the vibrant Día de los Muertos celebrations in Oaxaca, Mexico. This exclusive four-night experience, designed by Chase Travel, offers a culturally immersive itinerary at one of Mexico’s most significant and celebrated seasonal events.

What’s Included in the Package

The experience centers on a four-night stay at Pug Seal, a boutique hotel situated in a 19th-century mansion within Oaxaca City’s historic center. The 20-room hotel features vibrant frescoes by painter Rafael Urigias inspired by Zapotec iconography, with rooms decorated in rich jewel tones.

Beyond accommodations, the package includes a comprehensive cultural program:

  • Oaxaca street food tour
  • Artist studio visit in Teotitlán del Valle
  • Tour and tasting at Casa Silencio mezcal distillery
  • Exclusive Día de los Muertos celebration in a local cemetery
  • Welcome cocktails and dinner
  • Traditional ofrenda (altar) ceremony
  • Farewell dinner with live mariachi music

How to Book This Limited Offer

Interested Sapphire Reserve cardmembers can book this limited-availability package through experiences.chase.com. The package is designed for two individuals (both must be 21 years of age or older), with a limit of one package per cardmember. Payment must be made with a Chase Sapphire Preferred or Reserve card, a J.P. Morgan Reserve card, Ultimate Rewards points, or a combination thereof.

The package is non-refundable after booking, and availability is extremely limited, offered on a first-come, first-served basis.

Additional Chase Travel Benefits

Chase Travel continues to expand exclusive offerings for cardmembers. Sapphire Reserve cardmembers who book hotels through The Edit by Chase Travel can earn bonus points – 8 points per dollar for new cardmembers (applied after June 23, 2025), while existing cardmembers earn 3 points per dollar through October 25, 2025, before increasing to 8 points thereafter.

Cardmembers booking through The Edit also receive benefits including daily breakfast for two, a $100 property credit, and, when available, early check-in, late check-out, and room upgrades.

The Día de los Muertos package represents Chase’s continued commitment to crafting exclusive cultural experiences that seamlessly blend luxury accommodations with authentic local traditions.

For more information, check out Chase’s dedicated Día de Los Muertos page.

Mastercard Unveils New World Legend Card with Enhanced Experience-Focused Benefits

by Cory Santos
Mastercard World Legend Mastercard

Mastercard is elevating its premium credit card offerings with the introduction of “The Mastercard Collection,” a comprehensive suite of new perks designed to deliver memorable experiences to cardholders. 

Announced on July 16, 2025, these enhanced benefits will be available across three tiers: World, World Elite, and the brand-new World Legend Mastercard.

The World Legend tier, Mastercard’s newest premium card level, will debut to U.S. cardholders in the third quarter of 2025, with an international rollout planned for later dates. This launch represents Mastercard’s strategic response to evolving consumer preferences that increasingly value experiences over material possessions.

“Time well-spent with people who matter most is truly priceless,” said Bunita Sawhney, Mastercard’s chief consumer product officer. “That’s why we’re thrilled to introduce The Mastercard Collection. Together with issuers around the world, we look forward to granting cardholders and their families access to memory-making experiences wherever they go.”

Key Features of the World Legend Tier:

  • Premium Dining Experiences
    • Exclusive restaurant reservations
    • Behind-the-scenes kitchen tours
    • Multi-course tasting menus
    • Priority access at select restaurants in France, Italy, Spain, and the UK
  • Enhanced Entertainment Access
    • Concert and sporting event ticket privileges
    • Presale opportunities
    • Premium seating options
  • Elevated Travel Benefits
    • Branded fast-track security lanes at select international airports
    • Access to 1,350+ Mastercard-branded airport lounges across 147 countries
    • Exclusive airport dining spaces, with first locations in São Paolo and Mexico City

Shifting consumer priorities

According to Mastercard’s internal research, the vast majority of their cardholders “feel their best when spending their time on their passions,” and two-thirds “are becoming more intentional with how they spend their time, focusing on the relationships that matter most.” 

This shift in consumer priorities has driven the company to develop benefits that facilitate meaningful experiences rather than simply offering cash back or points.

This move aligns with broader industry trends. Recent PYMNTS Intelligence research indicates that 40% of consumers already use credit cards specifically for travel expenses, suggesting strategic cardholder behavior for larger expenditures where rewards and benefits add significant value.

For issuers, premium cards with experiential benefits present a significant opportunity. Cardholders with higher-fee cards demonstrate remarkable loyalty and engagement compared to those with entry-level products. 

While specific details about additional World Legend tier benefits beyond The Mastercard Collection remain forthcoming, the existing World Elite tier already offers discounts with select merchants (including Lyft, Booking.com, and Instacart), concierge services, and statement credits toward transit purchases in select cities.

As credit card rewards continue to evolve beyond simple cash back and points systems, Mastercard’s focus on curated experiences positions them to appeal to consumers seeking more meaningful ways to use their purchasing power. The World Legend card represents the company’s most premium offering in this growing “experience economy.”

Featured image by Getty

Chase Makes Changes to Sapphire Reserve; Launches Sapphire Business Card

by Cory Santos

Chase has officially launched its revamped Chase Sapphire Reserve and introduced the first-ever Chase Sapphire Reserve for Business card. The banking giant reports these premium offerings deliver annual values exceeding $2,700 for personal cardholders and $2,500 for business customers.

New Features and Benefits

The updated Sapphire Reserve and new business version both feature comprehensive travel benefits on the Visa Infinite network. Both cards include an industry-leading suite of travel protections that cover a wider range of travel setbacks than other cards on the market. 

Cardmembers also receive access to a dedicated Sapphire Reserve customer service team available 24/7, specially trained to provide support tailored to cardmembers needs.

Points Boost: A New Redemption Program

Chase is introducing “Points Boost,” a redemption program that allows cardmembers to redeem Ultimate Rewards points at up to twice their standard value on select travel offerings through Chase Travel. This applies to premium air cabin tickets and select hotels, including properties in “The Edit by Chase Travel” – a collection of over 1,100 hand-selected luxury accommodations worldwide.

For Chase Travel purchases not eligible for Points Boost offers, points can be redeemed at a 1:1 rate on Chase Travel, replacing the previous 1.5x on all Chase Travel purchases. 

Points earned prior to October 26, 2025, by existing Sapphire Reserve cardmembers can still be redeemed at 1.5x on Chase Travel until October 26, 2027. During this transition period, cardmembers will automatically receive the best offer available, whether it’s Points Boost or 1.5x on Chase Travel.

Expanded Airport Lounge Network

Both cards provide access to Chase’s expanding airport lounge network, Chase Sapphire Lounge by The Club, which currently includes award-winning locations at Boston Logan International Airport, LaGuardia Airport, and Philadelphia International Airport. Additional locations are in development.

Cardmembers also receive entry to over 1,300 lounges with Priority Pass Select and more than 20 select Air Canada Maple Leaf Lounges and Air Canada Cafés when traveling on a Star Alliance airline.

Updated Sapphire Reserve Personal Card Benefits

The Sapphire Reserve annual fee is now $795— a significant climb. For the personal card, authorized users will pay $195 annually, an increase from the previous fee. 

The new fee means new features, however. The refreshed personal Sapphire Reserve card includes:

  • 8x points on Chase Travel purchases, replacing the previous 5x on flights and 10x on hotels and car rentals
  • 4x points on flights and hotels booked directly, replacing 3x on all travel
  • $300 annual travel credit, which remains the most flexible travel credit available
  • New $300 annual dining credit
  • $500 annual credit for bookings at The Edit collection hotels
  • $300 annual StubHub credit for concerts and event tickets
  • $250 annual value through complimentary subscriptions to Apple TV+ and Apple Music
  • $120 Global Entry, TSA Precheck, or Nexus credit every four years
  • $120 in annual Lyft in-app credits (up to $10 monthly), plus 5x total points on eligible Lyft rides
  • $300 annually in monthly DoorDash promotions and complimentary DashPass membership worth $120 annually
  • 10x points on eligible Peloton equipment and accessory purchases and up to $120 in annual statement credits toward Peloton memberships
  • Complimentary IHG One Rewards Platinum Elite Status
  • Exclusive reservations at Sapphire Reserve Exclusive Tables, available for booking on OpenTable
  • Access to Reserve Travel Designers with end-to-end travel planning from custom itinerary to trip support

The launch offer includes 100,000 bonus points and a $500 Chase Travel credit after spending $5,000 in the first three months.

Premium Benefits Unlocked with Spending

Personal cardmembers who spend $75,000 in a calendar year unlock additional benefits:

  • IHG One Rewards Diamond Elite Status
  • Southwest Airlines A-List Status and a $500 Southwest Airlines credit when booked through Chase Travel
  • $250 credit to The Shops at Chase, a new online shopping experience designed exclusively for cardmembers

New Chase Sapphire Business Card Features

The new Sapphire Reserve for Business includes:

  • 8x points on Chase Travel purchases
  • 4x points on flights and hotels booked directly
  • 3x points on advertising purchases with social media sites and search engines
  • $300 annual travel credit
  • $500 annual credit for bookings at The Edit collection hotels
  • $400 ZipRecruiter credit to discover new talent
  • $200 Google Workspace credit toward AI tools for business
  • $100 Giftcards.com credit for flexible employee appreciation
  • $120 Global Entry, TSA Precheck, or Nexus credit every four years
  • $120 in annual Lyft in-app credits (up to $10 monthly), plus 5x total points on eligible Lyft rides
  • $300 annually in monthly DoorDash promotions and complimentary DashPass membership
  • Complimentary IHG One Rewards Platinum Elite Status

Business cardmembers can earn 200,000 bonus points after spending $30,000 in the first six months. The card features a high spending pay-in-full limit and Flex for Business, a credit line which allows payments over time with interest.

Premium Benefits for Business Cards

Business cardmembers who spend $120,000 in a calendar year unlock additional benefits:

  • IHG One Rewards Diamond Elite Status
  • Southwest Airlines A-List Status and a $500 Southwest Airlines credit when booked through Chase Travel
  • $500 credit to The Shops at Chase, double the amount offered to personal cardmembers

Summer, Reserved: Exclusive Cardmember Experiences

To celebrate the launch, Chase is rolling out “Summer, Reserved,” a series of exclusive dining experiences including:

  • A Night with Jalen Brunson (July 23) – An evening of drinks and a seated dinner at San Sabino in collaboration with Lucali, featuring a meet-and-greet with New York basketball star Jalen Brunson and an exclusive gift. Reservations are bookable beginning July 1.
  • Dinner on the Stage (August 1) – An event at The Public Theater with an appearance by Lin-Manuel Miranda, including a meet-and-greet, cocktail hour, and seated dinner prepared by Colonia Verde, celebrating Hamilton’s 10th Anniversary. Reservations open June 23 on Ultimate Rewards with additional tickets released every Wednesday starting July 2 while supplies last.
  • Summer in the Hamptons (August) – An immersive summer experience featuring a pop-up with celebrated Los Angeles venue Delilah, bringing new energy to Hamptons’ nightlife with a restaurant takeover and elevated evenings.
  • Restaurant Takeovers (July 23-26) – Exclusive access to reservations at popular restaurants in Chicago, New York City, Los Angeles, and Nashville, featuring unique chef collaborations and special moments. Participating restaurants include Don Angie, Majordomo x Loreto, Mariscos San Pedro x Obelix, and others. Reservations open June 23 on OpenTable.

Transition for Existing Cardholders

Current Sapphire Reserve cardmembers will transition to the new benefits structure on October 26, 2025. Their annual fee will be adjusted to $795 on their next anniversary date following October 26, 2025.

For more information, consumers can visit chase.com/ReserveIt, while business owners can check chase.com/ReserveBusiness.

The Ultimate Bilt Rent Day Guide – May 2024

by Cory Santos
Your guide to Bilt Rent Day this month with the Bilt Mastercard

The Bilt Mastercard makes paying rent rewarding with 1X points per dollar earned on rent payments (up to $100,000 in payments per year). But Bilt’s Rent Day promotion, on the 1st of each month, makes this top credit card doubly rewarding. Here’s all you need to know about Bilt Rent Day for May 2024.

Table of Contents

At a Glance

You can earn double points per dollar on all purchases (excluding rent). Here’s the breakdown (all points are per $1 spent):

  • 11X Bilt points on Bilt Dining
  • 6X Bilt points on dining
  • 4X Bilt points on travel (flights, hotels, and car rentals)
  • 2X Bilt points on other purchases (excluding rent)
Other ways to earn include:

  • Point Quest™ trivia lets you earn Bilt points for answering questions.
  • The Rent Free game shows lets 1,000 Bilt Rewards members enjoy free rent by answering questions.
  • Rent Day Rides: Bilt Rewards members can book SoulCycle classes and receive a complimentary bike for a friend.
Rent Day is limited to 10,000 bonus points each Rent Day. You must use the Bilt Mastercard five (5) times each statement period to earn points.

What Is Bilt Rent Day?

On the first of every month, Bilt Members can maximize their earnings and rewards in various ways as part of Bilt’s Rent Day Offers.

You must be a Bilt Rewards member to participate in Bilt Rent Day. Rewards members can participate in Rent Day by opening the Bilt app (available on Android and Apple devices) and clicking the “Rent Day” tab. Although the Bilt Rewards program is open to anyone with the card, it’s most useful if you rent an apartment or house (which is part of the card’s main appeal).

Bilt Mastercard

Bilt Mastercard
Apply Now Terms & Conditions
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Mastercard Processing Network
None Annual Fee

Bilt Mastercard

  • 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.24% variable based on the Prime Rate Cash Advance APR

At a Glance

The Bilt World Elite Mastercard is a unique rewards credit card from Wells Fargo that lets users earn 1X on monthly rent payments, 3X on travel, 2X on dining, and offers impressive perks including Lyft and DoorDash statement credits – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No foreign transaction fees
  • Earn 1X points on rent payments (up to 50,000 points each calendar year)
  • Earn 2X points on travel
  • Earn 3X points on dining
  • Regular Purchase APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance APR: 29.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • You rent and want to earn rewards on your monthly rental payments
  • You're a member of Bilt Rewards
  • You don’t want to pay an annual fee
Bilt Mastercard

Bilt Mastercard

Terms & Conditions
Apply Now Terms & Conditions

Upcoming Month Rent Day Specials

So, what does Bilt have in store for members during this month’s Rent Day? How about access to exclusive fitness benefits like free classes and the Rent Free gameshow? Oh, and did we mention the redeem for rent, get 100% back for the Bilt Home Collection promotion?

Redeem for Rent Bonus

Now, through the 1st, for every Bilt Point you redeem for rent, you’ll receive the same number of bonus points to use in the Bilt Home Collection.

Discover member favorites and handpicked additions to give your home the spring refresh it’s craving.

To redeem your points for a rent credit, go to the Pay Rent tab or click below. You’ll instantly receive your credit for the collection!

How it works:

  1. Redeem points for rent credit.
  2. Receive equivalent points back as credit to spend in The Collection.
  3. Rent credits will be automatically applied to your next rent payment.
  4. Spend your collection points in The Collection.

Bilt Rent Day Rides

Bilt partners with SoulCycle for Rent Day for a unique “Bilt X SoulCycle” mashup. On the first of the month, all Bilt Rewards members can book a class and receive a complimentary bike for a friend on Bilt. SoulCycle rides start at 2,600 Bilt Points or you can earn 10X Bilt Points when you book through the Bilt app.

Home Capsule

Bilt Cardholders can redeem their Bilt Rewards points for specially curated items in Bilt’s catalog. For May, Bilt is expanding that catalog to include special Home Capsules.

Bilt has a specially curated capsule, perfect for self-indulgence or gifting, and featuring anything and everything you might expect to help enhance your home life, including stationary, headphones, duffle bags,  grooming supplies, lamps, electronics, and more.

Rent Free Gameshow

There are few greater prizes in life than avoiding payments on housing. It can be a reality thanks to Bilt Rewards’ game show called “Rent Free.” In this show, Bilt will cover the rent for as many as ten lucky winners for a whole month. Here’s how it works: Bilt asked 1,000 of their members some questions, and their answers will be used to create the game – very much like the classic TV gameshow, “Family Feud.” 

For this month, Bilt has “leveled up” the Rent Free game, making it more rewarding for more members. Join guest host Tinashe to see if you can be one of 600 winners this month!

Double Points with the Bilt Mastercard

As mentioned, Bilt Rent Day is extra rewarding if you have the Bilt Mastercard credit card.

That’s because Bilt cardholders earn double the points on all purchases (excluding rent payments). The Bilt credit card earns an impressive 3X points per dollar on dining, 2X on travel, and 1X on all other purchases, meaning you’d earn the following on the first of each month:

Category Earning rate Rent Day rate
Rent 1X (on up to $50,000 per year) 1X
Dining 3X 6X
Travel 2X 4X
All other purchases 1X 2X

You’ll get even more points if you use Bilt Dining for dining out or eating at home. The Bilt Dining program allows Bilt Rewards members to earn points on select dining purchases – regardless of the credit card used to pay. Bilt Dining was made possible by adding a Bilt Wallet to the company’s mobile app. Bilt members can earn up to 11X points per $1 spent when combining “Rent Day” and the Bilt Mastercard:

Action Rewards Total Points
Eating at an eligible Bilt Dining restaurant 5X per $1 5
Paying with the Bilt Mastercard 3X per $1 3
“Rent Day” bonus Additional 2X on all purchases* 6
11X per $1
*Bilt Dining not eligible for “Rent Day”

Point Quest

The Points Quest trivia game lets you earn bonus Bilt Points that you can redeem towards travel, fitness classes, rent credits, and more. Members can access the game through the Bilt app on the first of every month and answer questions. For every correct answer, you’ll instantly earn bonus Bilt Points. Answer five questions, and you’ll earn yourself 150 Bilt points, with a sixth correct answer earning you a bonus of 100 points.

Does Bilt Make It Easier to Pay Rent?

The Bilt Mastercard makes paying rent a breeze if your rental property is managed by the Blackstone Group – the U.S.’s largest real estate group. But what if Blackstone doesn’t manage your apartment? Are you out of luck?

Fortunately, the answer is you can pay rent to any landlord with Bilt. How? If your apartment doesn’t accept credit cards or you rent outside the Bilt Rewards Alliance of landlords, simply make your payment through Bilt’s mobile app, and Bilt will mail a physical check to your landlord. This process ensures your rent is paid in a streamlined manner while still earning double rewards points.

Just make sure that you pay your rent through the Bilt mobile app. Paying through the app allows you to earn a single rewards point per $1 spent on rent paid, up to 50,000 annual points. Even better, paying through the app means you’ll pay no transaction fees. The Bilt Alliance typically charges a transaction fee of 3% for rent payments made through the mobile app, meaning Bilt provides even more value for no annual fee.

Why Pay Your Rent with a Credit Card?

What benefit does an individual get from paying their rent with a credit card? By paying with their Bilt Mastercard, users can build their credit twice as fast as normal. In addition, because Bilt reports monthly to the major credit bureaus (Experian, Equifax, and TransUnion), cardholders can raise their credit score simply by paying their rent on time.

And because landlords can report on-time rental payments to credit bureaus, cardholders can have their on-time rental payments count twice towards their credit score. Simply ask your landlord to report your rental payments to the credit bureaus through services like RentReporters, LevelCredit, or others.

What’s Next?

The Bilt Mastercard is an intriguing take on the rewards credit card. Beyond the ability to earn rewards on rent, Bilt makes maximizing tour bonus points a breeze, with Rent Day an excellent example. To see if the Bilt Mastercard might be suitable for your needs, check out our comprehensive Bilt Mastercard review.

Enjoy Exclusive Miami Grand Prix with Sapphire Reserve

by Cory Santos
Chase Sapphire Reserve Miami Grand Prix Benefits Revealed

The Miami Grand Prix is returning to Hard Rock Stadium for 2024, so Chase is offering eligible cardmembers exclusive access to a premium race experience, adding excitement to an already thrilling day at the track.

Exclusive Experience for Chase Sapphire Cardmembers at the Miami Grand Prix

The Miami Grand Prix is returning to Hard Rock Stadium, and Chase is giving eligible cardmembers exclusive access to a richer race experience. The second edition of the Formula One race is set to thrill motorsport fans from May 3 to 5, 2024, with Chase Sapphire cardmembers enjoying an exclusive track preview, Boathouse and Heineken Highline access, and a premium lounge to refuel and escape the Miami heat while still enjoying the race.

Details on Sapphire Reserve Exclusives

Returning for its second year as a race sponsor, Chase Sapphire is allowing Chase Sapphire Reserve cardmembers to enjoy access to exclusive benefits, including the following:

  • VIP Grandstand Packages, including a Marina Grandstand ticket, access to premium stadium views at the Heineken Highline, the ability to skip the line for entry to the Sapphire Reserve Lounge, and commemorative merch.
  • VIP Boathouse Packages, including access to the Boathouse hospitality space with complimentary champagne, beer, and wine (21+ only) plus a shared buffet, the ability to skip the line for entry to the Sapphire Reserve Lounge, access to the Heineken Highline and merch.
  • Thursday Track Preview Event access, including a rideshare code for transport to/from the track, a pit lane walk with exclusive access to view the team garages, a trackside Sapphire Reserve Lounge preview, a cocktail toast with lite bites curated by Krüs Kitchen and Los Félix on behalf of The Infatuation and an exclusive shopping experience plus a $50 gift card redeemable at the MIA Retail Shop, presented by Chase Sapphire.
  • Live Peloton Class at W South Beach with Matt Wilpers on Saturday, May 4 at 9:30 a.m., including a 30-minute bodyweight strength class followed by a meet & greet with instructor Matt Wilpers and refreshments.

Sapphire Reserve Lounge Access

The new Chase Sapphire cardmember perks are in addition to the Sapphire Reserve Lounge, which will be available to all Chase Sapphire Reserve cardmembers who show their card at the door, plus one guest. The Sapphire Lounge is located near the podium at the Grand Prix and provides guests with a huge selection of benefits:

  • Food and beverages with designated happy hour
  • Semi-private restrooms
  • Air conditioning
  • Charging stations
  • Gifting opportunities
  • DJs
  • TVs with live streams of the race

Chase Sapphire Reserve cardmembers can purchase the below packages on the Ultimate Rewards platform.

Related Article: EEEEEATSCON Chicago Presale Tix On Sale Now

Featured image by Chase

EEEEEATSCON Chicago Presale Tix On Sale Now

by Cory Santos
EEEEEATSCON Chicago July 13 to 14, 2024

EEEEEATSCON Chicago is returning to the Windy City this July. The annual festival, presented by Chase Sapphire will come to Chicago for the second consecutive year and will feature more than a dozen fan-favorite restaurants, speakers, performances, and more.

EEEEEATSCON Chicago Returning July 13 to 14

The Infatuation’s EEEEEATSCON, presented by Chase Sapphire, is heading to Chicago on July 13th and 14th. This year, Chase’s food festival is headed to the Windy City with over twenty leading restaurants from Chicago, NYC, Austin, TX, and more, conversations with rapper Saweetie and hosts of Girls Gotta Eat Podcast, Rayna Greenberg and Ashley Hesseltine (with more lineup announcements to come), as well as exclusive perks for Chase Sapphire cardmembers.

Event Details

The 2023 edition of EEEEATSCON Chicago takes place at the Salt Shed at 1357 N Elston Ave, Chicago, IL 60642. Tickets for the 2024 event are currently available for presale through May 15, 2024, with Chase Sapphire Reserve and Chase Sapphire Preferred cardmembers who purchase pre-sale tickets enjoying early access to one of the summer’s hottest events. Here’s the link for the presale. And here is what Chase Sapphire cardmembers can anticipate when purchasing pre-sale tix for EEEEEATSCON Chicago:

  • Cardmembers will receive 50% off individual ticket purchases, plus applicable taxes and fees.
  • Cardmembers who purchase pre-sale tickets will have access to the festival at 11 a.m. PT, one hour earlier than general admission tickets.
  • Chase Sapphire Reserve cardmembers will have special access to the Chase Sapphire Reserve lounge. This unique in-event experience will offer cardmember-only perks, including a complimentary beverage, entertainment, access to purchase tickets for an exclusive cocktail class, and more.

Vendor Information

One of the great features of past EEEEEATSCON festivals has been the exceptional selection of food vendors—and the 2024 edition is no different. Fan-favorite dining choices include Popup Bagels and Apotheke, both from New York, and a host of local favorites in the Windy City, including Tuk Tuk That, Momo World, Soul & Smoke, Professor Pizza, Lilac Tiger, and more.

EEEEEATSCON Chicago will also host an impressive collection of A-list celebrities and entertainers, including speakers Chance the Rapper, Common, and Chrissy Teigen, plus performances from Dee Dee Da Goat, Maker, DJ intel, and Lori Branch. There will also be performances by the Pack Drumline, the South Shore Drill Team, the Jesse White Tumblers, and dance troupe Creation Chicago.

For more information on EEEEEATSCON Chicago, please visit the event’s dedicated events page. Chase plans to bring the EEEEEATSCON phenomenon to New York City this fall, with more details to come.

Related Article: Chase Announces Latest EEEEEATSCON LA

Featured image by Chase Sapphire

Citi Adds Limited-Time Accor Transfer Bonus

by Cory Santos
Accor Live Limitless and Citi ThankYou Points Transfer

Citi is making travel a little more rewarding for eligible ThankYou Points cardmembers. Citi Prestige, Premier, and AT&T Access More cardholders can enjoy 50% more value when ALL Reward points when transferring ThankYou Points to ALL – Accor Live Limitless. 

Special Accor Live Limitless Transfer Bonus Offer

Citi is giving ThankYou Rewards cardmembers even more to be happy about thanks to a new, limited-time-only ThankYou points transfer bonus. Citi Premier®, Citi Prestige, and AT&T Access More credit cardmembers will enjoy a 50% bonus on Accor Live Limitless (ALL) reward points when transferring ThankYou points to ALL.  This means eligible Citi ThankYou cardmembers will receive 0.75 ALL reward points for every 1 ThankYou point transferred during the promotional period.   The limited-time offer runs from Sunday, April 14, 2024, to Saturday, May 11, 2024. ALL reward points can be redeemed towards hotel stays at Raffles, Fairmont, Sofitel, and Novotel locations, plus unforgettable experiences, including dining, shopping, sports, and even online shopping, charitable donations, and more.

About the Citi Cards

The Citi Premier® Card earns 3X points on dining, groceries, gas stations, air travel, and hotel stays, plus 1X on all other purchases. Those rewards provide significant value for card members, including those who love to travel. Citi’s premium credit card charges an annual fee of $95. Cardholders enjoy a selection of travel-centric perks for this price, including a $100 annual hotel savings benefit. Cardholders enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees.

While the Citi Prestige® and AT&T Access More credit cards are no longer available to new applicants, they still provide solid rewards for those who continue to use the cards  (and despite the hefty $495 annual fee of the Prestige Card). The Prestige Card earns 5X points on airfare and dining, 3X points on hotels and cruises, and 1X on everything else. Cardmembers also enjoy many travel perks, including a Priority Pass Select membership, a $250 travel credit, and a fourth night free when booking three or more hotel stays through ThankYou.com.

Like the Prestige, the AT&T Access More credit card is no longer open to new applicants. Fortunately, Citi and AT&T provide a new credit card offering that is available for applicants – the AT&T Points Plus Card from Citi. The refreshed AT&T Points Plus Card earns an impressive 3X ThankYou Points on gas station purchases, 2X points on groceries, and 1X on all other purchases. It also provides up to $240 a year in statement credits when using the card to meet minimum monthly spending goals.

About Citi ThankYou Rewards

Accor Live Limitless is just one Citi ThankYou Rewards loyalty program travel partner. Citibank offers point transfers to 17 airline and hotel partners, with many offering 1:1 points transfer ratio. The following are Citi ThankYou transfer partners:

Wyndham Rewards Aeromexico ALL - Accor Live Limitless Flying Blue JetBlue TrueBlue Qantas Frequent Flyer
Avianca LifeMiles Cathay Pacific Choice Privileges Qatar Privilege Club Shop Your Way Singapore Airlines
Emirates Skywards Etihad Guest EVA Air Thai Royal Orchid Plus Turkish Airlines Miles&Miles Virgin Atlantic Flying Club

Other ways of redeeming ThankYou Rewards include:

① Cash back Cash back applies to cash rewards as statement credits.
② Gift cards Citi rewards apply to gift cards from over 100 leading retailers and brands.
③ Shopping Cardholders can use ThankYou points to shop with Amazon, Best Buy, Expedia, PayPal, or 1-800-FLOWERS.
④ Charity Cardholders can also use their points to make donations to the American Red Cross or Smile Train.

Related Article: Ultimate Guide to Credit Card Merchant Offers

Featured image by  MagicDesk /PixaBay

IHG One Rewards Limited-Time Welcome Offers

by Cory Santos
IHG One Limited Time Offers

Last updated on April 19th, 2024

Chase and IHG have two new exciting, elevated welcome offers for new Chase IHG One Rewards Credit Card cardmembers. These new, limited-time welcome offers are in addition to the many impressive benefits the IHG One family of credit cards from Chase provides members daily. Here’s everything you need to know about IHG’s latest welcome offer bonuses:

IHG One Rewards Cards Limited-Time Welcome Offer

Chase and IHG® One Rewards have launched a new, limited-time-only welcome offer on their popular hotel rewards credit cards. These new sign-up bonuses are valued at up to 165,000 IHG One Rewards Points (that’s around $900 when redeemed for stays with IHG Brands, including names like Holiday Inn, Candlewood Suites, Hotel Indigo, Kimpton, and more.

Here’s how the new, limited-time welcome offers from Chase and IHG One work:

  • Chase IHG One Rewards Premier Business Credit Card: New cardmembers can earn up to 175,000 bonus points: Earn 140,000 bonus points after spending $4,000 in the first three months from account opening. Plus, earn 35,000 bonus points after spending a total of $7,000 in the first six months from account opening.
  • Chase IHG One Rewards Premier Credit Card: New cardmembers can earn 165,000 bonus points after spending $3,000 on qualifying purchases on the card in the first three months from account opening.
  • Chase IHG One Rewards Traveler Credit Card: New cardmembers can earn 100,000 bonus points after spending $2,000 on qualifying purchases on the card in the first three months from account opening.

Additional Everyday Travel Features

The latest IHG One welcome offers are in addition to the everyday value the Chase IHG One credit cards provide. The cards feature easy ways to earn points through purchases, a simple way to reach the next IHG One Rewards Elite status level, flexibility on Anniversary Free Night certificates on the Premier Card, and more.

Chase IHG One Rewards Premier Credit Card

  • Up to 26X total points at IHG® Hotels and Resorts: 10X points on purchases on the card made at an IHG property, up to 10X points from IHG for being an IHG® One Rewards member, and up to 6X points from IHG with Platinum Elite Status, a benefit of this card.
  • 5X total reward points per dollar: Earn 5X points on travel, dining, and at gas stations.
  • 3X points per $1 spent on all other purchases.
  • Anniversary Free Night: Cardmembers earn an Anniversary Free Night certificate with a current point redemption cap of 40,000 points each year on their account anniversary date.
  • Automatic IHG One Rewards Platinum Elite Status: Cardmembers can also earn IHG One Rewards Diamond Elite status after spending $40,000 on purchases with their card each calendar year.
  • Earn 10,000 bonus points and a $100 statement credit after spending $20,000 on purchases in a calendar year.
  • Receive a Global Entry or TSA PreCheck® or NEXUS Statement Credit of up to $100 every four years as reimbursement for the application fee charged to the card.
  • $99 annual fee

Chase IHG One Rewards Traveler Credit Card

  • Up to 17X total points at IHG Hotels and Resorts: 5X points on purchases with the card at an IHG property, up to 10X points from IHG for being an IHG One Rewards member, and up to 2X points from IHG with Silver Elite Status, a benefit of the card.
  • 3X total reward points per dollar: 3X total points on dining, utilities, select streaming services, and gas stations. Earn 2X per $1 spend on all other purchases.
  • Automatic IHG One Rewards Silver Elite Status: Cardmembers can also earn IHG One Rewards Gold Elite status after spending $20,000 on purchases with their card each calendar year.
  • Earn 10,000 bonus points and a $100 statement credit after spending $10,000 on purchases in a calendar year.
  • No annual fee

Both cards let cardmembers redeem points for a consecutive four-night IHG hotel stay, they can receive the fourth Reward Night free redeemable at that same hotel during that same stay.

IHG One Rewards Card Comparison

Here’s how the IHG One Rewards credit cards from Chase compare:

IHG® One Rewards Traveler IHG® One Rewards Premier
Savings with IHG Earn up to 17X points at IHG® Hotels & Resorts worldwide Earn up to 26X points at IHG® Hotels & Resorts worldwide
Rewards rate Earn 3X points on purchases on utilities, internet, cable, phone, and select streaming services Earn 5X points on travel, dining, and gas and 3X on all other purchases
Best perk Automatic Silver Elite Status Global Entry or TSA PreCheck® Fee Credit
Annual fee No annual fee $89 annual fee

How to Get the Most Out of Your Chase IHG One Rewards Credit Cards

The IHG One Rewards credit cards from Chase are powerful tools for travelers who frequently stay at IHG hotels. With its range of benefits and rewards, these cards offer numerous opportunities to maximize your value and enhance your travel experiences. Here are some of the key things to look out for when maximizing your value with hotel credit cards, the Chase IHG One Rewards credit cards:

Sign-up Bonus

Welcome offers are the best way to supercharge your IHG One account and propel yourself towards free nights, elite status, and more. Not sure what those bonuses are? Check up at the top of this page for the very latest welcome offers, then plan your purchases strategically to meet the requirement and earn those bonus points.

Earning IHG One Rewards Points

There’s plenty of value with the two consumer credit cards from Chase IHG without the sign-up bonuses. That’s because both cards earn impressive rewards on all eligible purchases, with the best value coming from hotel stays at IHG properties. Make it a habit to book your hotel stays at IHG properties. IHG’s portfolio is expansive, covering over a dozen brands:

Regent Hotels and Resorts Even Hotels Holiday Inn avid Hotels
Intercontinental Hotels & Resorts Hualuxe Hotels and Resorts Holiday Inn Express Staybridge Suites
Kimpton Hotels & Restaurants Crowne Plaza Hotels & Resorts Holiday Inn Resort Candlewood Suites
Hotel Indigo voco Holiday Inn Club Vacations Six Senses

You can also use your IHG One Rewards credit card for everyday purchases, allowing you to accumulate IHG Rewards Points on all you’re your purchases thus, maximizing your earnings over time. Additional value can also be found through IHG’s partner offers and promotions. By taking advantage of these partnerships, such as car rental agencies or airline programs, you can earn additional IHG Rewards Points on eligible purchases.

Elite Status Benefits

The IHG One Rewards credit cards provides automatic Elite status within the IHG Rewards Club program. IHG One Rewards Premier cardmembers enjoy complimentary Platinum Elite status, while IHG One Rewards Traveler cardmembers enjoy Silver Elite status just for being a cardmember. Make the most of this elevated status by enjoying benefits like room upgrades, late check-out, and bonus point earnings on IHG hotel stays. Here are the tiers in the IHG One program:

Silver Gold Platinum Diamond
No blackout dates ✔️ ✔️ ✔️ ✔️
Points don’t expire ✔️ ✔️ ✔️ ✔️
Promotions access ✔️ ✔️ ✔️ ✔️
Rewards night discount – – ✔️ ✔️
Free Wi-Fi ✔️ ✔️ ✔️ ✔️
72-hr. room guarantee – – ✔️ ✔️
Comped upgrades – – ✔️ ✔️
Welcome gift – – ✔️ ✔️
Early check-in – – ✔️ ✔️
Late check-out ✔️ ✔️ ✔️ ✔️
Diamond support – – – ✔️

Plan Redemptions Strategically

Before redeeming your IHG One Rewards points, research hotel redemption options thoroughly. Compare the point value against the cash rate to ensure you’re getting the most value out of your points. You might also consider redeeming points for longer stays or during peak periods when the regular rates tend to be much higher. You might even consider using the IHG Points & Cash option that lets you pay for stays with a mixture of cash/card and IHG One Rewards points.

Another option for redeeming IHG One Rewards points is by transferring them to another IHG One Rewards partner. IHG points transfer to dozens of travel partners worldwide, including major airlines:

Aeromexico American Airlines AAdvantage El Al Israel Airlines Japan Airlines Qantas Airlines
Aeroplan Asia Miles Emirates Jet Airways Saudi Arabian Airlines
Air China Asiana Airlines Etihad Airways JetBlue TrueBlue Singapore Airlines
Air France British Airways Gulf Air KLM South African Airways
AIR MILES® China Eastern Hainan Airlines Lanchile TAP Air Portugal
Air New Zealand China Southern Airlines Hawaiian Airlines LifeMiles Thai Airways Royal Orchid Plus
All Nippon Airways Delta SkyMiles Iberia Airlines Malaysia Airlines United Airlines
Virgin Atlantic Velocity Frequent Flyer

Also keep an eye out for information about IHG One Rewards’ special promotions. IHG frequently runs promotions offering bonus points for stays, discounted rates when redeeming, or other exclusive benefits that can boost your value for money.

One such promotion is PointBreaks, where select IHG hotels are available for only a fraction of their usual point cost. Take advantage of these limited time offers to stretch your points further.

Anniversary Free Night Certificate

 Each year, on your cardmember anniversary, you’ll receive a Free Night Certificate. This certificate can be used to book a free night stay at any eligible IHG hotel. Plan your travel strategically to take advantage of this valuable perk, selecting a high-value hotel to maximize your savings.

Other Things to Consider

While not a reward, both Chase IHG One Rewards credit cards offer purchase protection through the Mastercard payment network. Both cards offer protection for your new purchases 120 days against damage or theft up to $500 per claim and $50,000 per account.  Here’s a quick guide to purchase protection and how it works:

Purchase protection questions Answers
What’s covered? Any eligible purchases that are stolen, or accidentally damaged due to smoke, fire, water, steam, or other act of vandalism.
What’s not covered? Any perishable items, consumables, and other select items aren’t allowed; Items damaged by USPS might not be covered; Leased or rented items are also ineligible for purchase protection.
How much is each purchase covered for? Coverage typically ranges from $500 per item (on average) up to $5,000+ per item for elite cards.
Are there annual limits? Annual coverage limits of $50,000 per account, per year are typical.
How long am I protected? Purchase protection typically ranges from 90 days from the date of purchase to 120 days, depending on your card provider.

Conclusion

By following these expert strategies, you can seriously maximize the value of your IHG One Rewards points. Earning IHG Rewards points, taking advantage of accelerated earning opportunities, leveraging elite status benefits, and strategically redeeming your points will mix to create your ideal tropical getaway courtesy of all those points. Happy travels!

Related Article: The Best Travel Credit Cards

Featured image by  Engin Akyurt/PixaBay

Chase Announces Latest EEEEEATSCON LA

by Cory Santos
Chase announces latest EEEEEATSCON event for May

EEEEEATSCON LA is returning for another year. The festival, presented by Chase Sapphire, is back on June 8 and 9, 2024, and offers 20+ fan-favorite restaurants, exclusive comedy performances, and more.

EEEEEATSCON LA Returns This June

The Infatuation’s EEEEEATSCON Los Angeles, presented by Chase Sapphire, is back for 2024. This year, Chase’s food festival is back from June 8 to 9 with over 15 leading restaurants from LA and around the country, a host of amazing celebrities, and exclusive perks for Chase Sapphire cardmembers.

Event Details

The 2024 edition of EEEEATSCON LA returns to Barker Hangar in Santa Monica for a third year running. Pre-sale tickets for the 2024 event are currently available for purchase, with Chase Sapphire Reserve and Chase Sapphire Preferred cardmembers who purchase pre-sale tickets enjoying early access to one of the summer’s hottest events.

One of the great features of past EEEEEATSCON festivals has been the exceptional selection of food vendors – and 2024 is no different. Available fan-favorite dining choices include 7include Lucali (flying all the way out from New York City!), KG BBQ (Austin, TX), Community Goods, Two Hommés, Za Za Zà x Loreto (festival-exclusive collab!), Bar Chelou, Tacos Los Cholos, Le Great Outdoor, Amiga Amore, Kuya Lord and many more still to be announced. In addition to the numerous food options, event guests will also enjoy a variety of food-related events, including television personality and cookbook author Chrissy Teigen, actress, producer, and entrepreneur Sofia Vergara with her son, restauranteur and television host Manolo Gonzalez Vergara, food critic and philanthropist Keith Lee, chef David Chang, and comedian and actress Nicole Byer.

EEEEEATSCON LA also provides eligible Chase Sapphire cardmembers with special, exclusive benefits. These benefits include:

  • Chase Sapphire Reserve and Preferred cardmembers will receive 50% off individual ticket purchases, plus applicable taxes and fees.
    • Public, non-discounted tickets to ECLA are $30 each, plus applicable taxes and fees.
  • Access to EEEEEATSCON LA at 11 a.m. PT, one hour earlier than general admission tickets.
  • Chase Sapphire Reserve cardmembers will have special access to the Chase Sapphire Reserve lounge. This unique in-event experience will offer cardmember-only perks, including a complimentary beverage, entertainment, access to purchase tickets for an exclusive cocktail class and more.

Related Article: Chase Adds Make-A-Wish to Pay Yourself Back In New Partnership

Featured image by Chase Sapphire

How to Pre-Qualify for a Credit Card

by Cory Santos
how to prequalify for a credit card

If you’re looking to be the owner of a new credit card, you’ll have to apply for it. Unfortunately, issuers don’t just hand them out (and if they did, we’d be very suspicious about that). A credit card application means the issuer will check your credit report and your credit score will take a slight hit. On top of that, there’s no guarantee that you’ll be approved, and that inquiry will remain on your report for two years. Pre-qualifying, or getting  a “pre-approved” or pre-screened credit card offer can help you save the credit inquiry before knowing your approval odds when applying. Here’s what you need to know about pre-qualifying for a credit card. 

What is a Pre-Qualified Credit Card Offer?

Many banks offer credit card pre-qualification. When applying for a credit card, the issuer will inspect your credit report and put a small ding on your credit score. This “small ding” is known as a hard inquiry on your credit report, which means the bank has pulled your full credit report to check your suitability for the credit card.

Credit card issuers use pre-qualified or pre-approved offers to target applicants based on credit score, borrowing history, and other easily-obtainable personal information. Typically, your approval odds with pre-approved offers are good if you receive an offer and your credit profile has changed recently.

Pre-Qualified Vs. Pre-Approval Vs. Pre-Selected

In addition to being pre-qualified for a credit card, you may be “pre-approved” or “pre-screened.” The difference between these terms is small on surface-level but significant in most cases.

Pre-qualification is the commonly used term for this type of credit card offer. A pre-screened or pre-qualified credit card offer is made when the bank or card issuer invites qualified consumers to apply for their credit cards.

With pre-qualification, you approach the issuer and inquire about your eligibility for one or more credit cards. Pre-screening, however, is when a bank either collects or purchases credit data about you and makes an offer based on the credit profile.

On the other hand, pre-approval generally refers to a bank offering near-certain approval based on existing credit data. Most issuers only provide pre-approvals to existing customers. Banks like Chase and American Express are well known for these types of offers. As such, pre-approval portends an even higher chance that you’ll have a new credit card on your hands soon. Essentially, the issuer tells you, “All you have to do is sign on the dotted line.”

Benefits of Pre-Qualifying for a Credit Card

Pre-qualifying for a credit card has several benefits, including:

  • Preventing a credit score impact from a hard inquiry if you are not approved
  • Revealing potential credit card welcome bonuses or introductory APR
  • Identifying which credit cards are available to your credit profile
  • Exploring multiple card offers and benefits

Mistakes to Avoid with Pre-Qualification

Checking for a credit card pre-qualification is easy, quick, and relatively painless. Therefore, it makes you vulnerable to doing it often. If you’re not careful, you could have more credit card applications than you can handle.

You should not apply for more than a few credit cards at a time, as this can lower your credit score and decrease the average age of your credit history. This, in turn, may lead to issuers seeing you as a liability that could fail to repay borrowed money. That’s why it’s always wise to ensure you’re prepared before applying for a credit card, even if you’re checking whether or not you’re pre-qualified.

How Banks Obtain Your Credit Information

Credit Bureaus

Many lenders obtain basic credit information from the three major credit reporting agencies: Equifax, Experian, and TransUnion. This information includes your credit score, credit history, outstanding debts, and credit inquiries. It’s important to note that this information does not impact your credit score unless you submit a full application and consent to a full credit report pull.

Market Research

Marketing firms and data collection agencies are major suppliers of pre-sorted credit information to banks, issuers, and other financial services firms. Lenders purchase marketing lists, known as “selection criteria,” from data brokers. These lists contain demographic and behavioral information about consumers, such as credit scores, geographic location, bankruptcy history, and more.

Public Records

Lenders may also source public records to select potential applicants for their products. They access records such as property records and legal judgments to gain additional insights into your financial health.

Many credit card issuers purchase basic credit information from the three major credit bureaus: Equifax, Experian, and TransUnion. While the idea of banks buying your information may sound alarming, it is not as invasive as it seems. Banks purchase the same basic credit information that consumers can access through free credit monitoring tools like Credit Karma, Capital One Creditwise, or American Express MyCredit Guide. This information excludes major credit report details that are only available when a person applies for a credit card. Instead, it provides issuers with a glimpse of the individual’s suitability for card products.

Which Banks Provide Pre-Qualified or Pre-Selected Offers?

Not every bank or card issuer provides pre-selected, pre-approved, or even pre-qualified card offers. Some banks do not offer enough credit cards to justify pre-screening. In contrast, others decline to offer these promotions altogether or for set periods. Here are the pre-screening processes of the major credit card issuers in the United States:

American Express

American Express offers a helpful pre-qualification page for potential applicants. In this pre-selection process, Amex does not offer all of its credit cards, instead focusing on its core products – namely the American Express Blue Cash Preferred, Cash Magnet Card, Gold Card, and more.

How to Check for Amex Pre-Approval Online

Here’s how to check for American Express pre-screened credit card offers:

  • Visit the American Express pre-qualification page
  • Conversely, select the “Cards” tab at the top of any American Express page and click “Check for Pre-Qualified Credit Card Offers.”
  • Enter your full name, address, income, and the last 4 digits of your Social Security Number
  • Click “View My Card Offers” to view any pre-approved offers

You can opt to log in if you are an existing American Express cardmember. This process will offer a much more robust selection of offers, as Amex will be able to use the information about you it currently has on file.

Other Ways to Receive Amex Pre-Screened Offers

Like many other major issuers, American Express provides other ways of receiving pre-qualified card offers. Snail mail – or mail delivered by the U.S. Postal Service – is one of the most commonly used methods of attracting potential applicants.

These offers are based on credit score information obtained by banks from the leading credit bureaus – either Experian, Equifax, or TransUnion. These companies sell consumer credit profiles to banks and credit issuers to help them identify potential applicants for their products. Because of this pre-obtained information, there is no credit check on the consumer receiving a pre-screened letter in the mail.

FAQs About American Express Pre-Qualified Offers

  • Amex uses your credit information to tailor offers specifically to your needs and lifestyle.
  • There is no impact on your credit score. The only impact on your credit score will occur if you apply for the card. This will result in a hard inquiry on your credit report.

Bank of America

Bank of America (BoA) provides a pre-selection page where BoA customers and potential cardholders can find “customized” card offerings. Like American Express, Bank of America does not provide all of its credit cards to consumers in this process but does make some of its most popular card offers available, including:


Bank of America Premium Rewards® Elite
Bank of America Unlimited Cash Rewards
BankAmericard®

Bank of America Travel Rewards
Bank of America Customized Cash Rewards
Bank of America Premium Rewards

How to Get Pre-Qualified BoA Credit Card Offers

To check for pre-qualified offers from BoA, first, click the link above or visit any Bank of America credit card review on BestCards and click “Visit Card Site.”

Once at the Bank of America credit card website, browse to the bottom of the page

  • Click “Check offers.”
  • Enter the following personal information:
    • Full name
    • Date of Birth
    • Last 4 digits of your Social Security Number
    • Current address
    • Rewards or card type preference

Other Ways to Get Bank of America Offers

Bank of America also provides pre-sorted credit card offers via mail like Amex and other issuers. These offers may vary considerably based on the consumer’s credit profile, with differing welcome bonuses, APR, and other features.

Capital One

Capital One also offers pre-selection for its proprietary credit cards, though it opts to call the process “pre-approval.”  Despite this terminology, Capital One does not offer a pre-approval without a credit check – applying for a Capital One credit card will result in a hard pull on your credit report.

Like Bank of America, Capital One provides a wide range of credit cards for pre-selection. These include some of the bank’s most popular cards:


Capital One Venture Rewards Credit Card
Capital One Platinum Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card

How to Check for Pre-Approved Offers from Capital One

It is worth noting that the Venture X Rewards card currently is not available for pre-qualification. That card features a steep annual fee of $395, making it less likely to be a card for someone without a previous banking history with Capital One.

To check for a pre-approval offer from Capital One, follow these steps:

  • Visit the Capital One pre-approval page here
  • Provide the following information:
    • Full name
    • Residential address
    • Email address
    • Phone number (primary)
    • Employment status
    • Income
    • Monthly rent/mortgage payments
    • Bank account types you hold
    • Date of birth
    • Full SSN

Other Ways to Receive Capital One Card Offers

Capital One also provides pre-sorted credit card offers via mail like other issuers mentioned here. These offers may vary considerably based on the consumer’s credit profile, with differing welcome bonuses, APR, and other features.

Capital One Credit Wise

Should you not meet the Capital One credit card qualification requirements, the bank may steer you towards Credit Wise, the bank’s credit score monitoring service. Credit Wise is a free credit monitoring tool that can help you learn how to improve your credit score.

Chase

Chase provides pre-screened, pre-qualified offers for some of its most popular proprietary credit cards. These card offerings include the Chase Freedom and Sapphire families:


Chase Slate Edge
Chase Freedom Flex
Chase Freedom Unlimited
Chase Sapphire Reserve
Chase Sapphire Preferred

How to Get Pre-Approved for Chase Credit Cards

Getting pre-approval for Chase credit cards is available via Chase’s website. The process is straightforward:

  • Go to the Chase credit card website
  • Navigate to the bottom of the page and use Chase’s Card Finder tool
  • Provide the following personal information:
    • Full name
    • Current address
    • Last 4 digits of your Social Security Number

Once the form is submitted, Chase will provide a list of cards you might qualify for, should you decide to apply. Applying will result in hard credit pull on your credit report. However, if you choose not to apply for a card, your credit score will remain untouched.

Other Ways to Receive Chase Card Offers

Chase also provides pre-sorted credit card offers via snail mail. Like Amex, Chase provides more pre-sorted offers for its cash back credit cards than its premium Sapphire Cards.

Chase Credit Journey

Should you not meet the Chase credit card qualification requirements, the bank may steer you towards Chase Credit Journey, the bank’s credit score monitoring service. Credit Journey is a free tool that can help you learn how to improve your credit score. It can also pair you with pre-selected Chase offers as your credit score improves.

Citi

Citibank provides a helpful pre-screening service for potential applicants. This service is available at this site and offers pre-qualification for select Citi credit cards – namely the following four Citi products:


Citi Custom Cash℠ Card
Citi® Double Cash Card
Citi Simplicity® Card
Citi® Diamond Preferred® Card

The Citi pre-screening process only applies to these four credit cards. It does not apply to co-branded credit cards from Sears, Meijer, American Airlines, or other brands. Because Citi partners with these companies, it cannot offer a pre-qualification without that brand’s authorization – making it an easier process to provide pre-qualification for Citi’s most popular proprietary credit cards.

To get started with the Citi “pre-approval” process, visit the Citi website via the link above, or follow the “Apply Now” button on the relevant Citi credit card review. Hover over the “Credit Cards” tab on the top of the credit card landing page and select “See if You Are Pre-Selected.”

Here is the information you will need to get pre-qualified offers from Citibank:

  • Full name
  • Email address
  • Last 4 digits of your SSN
  • Current address

Other Ways to Pre-qualify for Citi Credit Cards

Online pre-qualifications are great, but they aren’t the only way to get pre-screened offers from Citi. Citibank also provides pre-screened offers for consumers via the U.S. Mail. Snail mail offers are very common from all banks – Citi included.

FAQs About Citi Pre-Selection Offers

  • Your credit score will not be affected when checking to see if you’re pre-selected for offers. You will be able to see APR and offer details before applying.
  • Pre-selection is how you can see what personalized offers are available to you based on your credit profile. However, if you apply for one of those offers, the application is still subject to the bank’s credit approval process.
  • Your Social Security Number is required and used for identification purposes.

Other Issuers

Here are other popular card issuers known to offer pre-qualified card offers:

How Likely Are You to Be Approved for a Mail Offer for a Credit Card?

Pre-sorted and pre-qualified credit card offers are essentially an invitation to apply for a credit card and little else. Sure, you have better approval odds, thanks to the pre-screen credit info provided to the issuing lender. However, what chances do you have when actually applying for these cards? That depends on the offer type:

  • Pre-approved Offers: The approval rate for pre-approved or prequalified offers is high – around 90% success. This high approval rate is due to the lender receiving basic credit information and determining that you are a good fit for their product.
  • Preselected Offers: Pre-selected offers are made based on your credit history but don’t provide all the data to offer a pre-approval. Still, there is a 70% success rate with these offers for applicants.
  • Invitation to Apply: You might think receiving an invitation to apply would mean you are a shoo-in for the product, but you’d be wrong. Data shows that only around a 10% to 30% success rate is largely due to the minimal, basic info lenders use to reach these offers.

Bad Credit and No Credit Pre-Approvals

While not all credit builder or credit repair credit cards offer pre-qualification, several do provide this feature. Most notable amongst cards that grant an essential “pre-approval” before applying is the OpenSky Secured Visa.

For an extensive selection of credit builder cards with pre-approval and prequalification, check out What Are the Easiest Credit Cards to Get with Bad Credit?

Summing It Up

Pre-qualification for credit cards is safe, fast, and effective. Finding offers with most major issuers should not be a problem, but often card offers are created for those with good or excellent credit scores. The easiest ways to find pre-selected, pre-approved, or pre-sorted credit card offers are as follows: 

Check with issuer The best and quickest way to check if you’re pre-qualified is to go to the card issuer’s website and search for pre-qualification offers. Most of the major card issuers have online forms that you can fill out with basic information, and these forms’ results will show you which cards fit your profile. Most of the time these forms only require your name, address, last four digits of your Social Security Number, and (optionally) your annual income. You can also visit a physical branch if there is one and inquire about pre-qualification but, depending on the bank, you may have to be an existing customer. Speaking of which, you should consider the banks you currently do business with. They may have a credit card that’ll suit your needs and, since they already have your information on file, it’ll be easier to get a positive decision.
Check the mail Another way to verify your pre-qualification is through a targeted offer in the mail. If you already receive offers for various credit cards, it doesn’t mean that issuers are blindingly mailing them hoping to land a bite. Credit card issuers buy consumer information from the credit reporting agencies and conduct screenings on their own to determine who would be a good fit for their products. Therefore, the next time you get an envelope with a credit card offer, it means that the issuer has already checked you out and you stand a good chance of being approved for that credit card if you apply.
Third-party checks If you prefer the online method but don’t want to go issuer by issuer, there are websites with proprietary pre-qualification tools that can match you to cards from several issuers at a time. These resources are partnered with the issuing banks, so you’ll save some time by choosing this route.
In-store check If you’re searching for a co-branded store credit card, you can see if you’re pre-qualified directly with the retailer. Whether online or at a physical store, you can provide the same information as mentioned above and get a response in less than a few minutes.

Related Article: How to Prevent Credit Card Fraud

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.