3 New Wyndham Rewards Credit Cards from Barclays

by Cory Santos
3-new-wyndham-rewards-credit-cards-from-barclays

Last updated on February 20th, 2024

Barclays and Wyndham are expanding their relationship with three new co-branded hotel credit cards. These three new cards, including a business credit card and two personal cards, replace the old Wyndham Rewards Visa Card. Here is what you need to know about the new Wyndham Rewards credit cards from Barclays.

New Wyndham Personal Credit Cards

The launch of new Wyndham Rewards credit cards includes two new personal cards: the Wyndham Rewards Earner and the Wyndham Rewards Earner Plus.

Wyndham Rewards Earner Visa Card

The Wyndham Rewards Earner Visa Card is a no-annual-fee hotel card that entitles the cardholder to complimentary Gold elite status in the Wyndham Rewards loyalty program. The card comes with an enticing bonus offer of 30,000 bonus points after spending $1,000 within the first 90 days of opening an account.

Given the current valuation of Wyndham Rewards points ($0.011 /pt.), this signup bonus has a potential value of $330. There is also an annual bonus of 7,500 points after spending $15,000 on purchases in a calendar year.

The Earner Card is an excellent option for those who value Wyndham points and want to earn them with purchases on their travels as well as on their daily commute. The card earns 5X points on both gas and Wyndham Hotels purchases; 2X points on dining and groceries; and 1X points on all other purchases.

Other features of the Earner Card from Wyndham and Barclays include:

  • 0% intro APR for 15 months on balance transfers made within the first 45 days of opening an account
  • No foreign transaction fees
  • Visa Zero Fraud Liability protection
  • Wyndham go free awards

Wyndham Rewards Earner Plus Visa Card

The Wyndham Rewards Earner Plus Visa Card is the premium version in the new Earner line, with an annual fee of $75. The card features automatic Wyndham Rewards Platinum status, which provides early check-in, late check-out, preferred room choice, and more.

Platinum also provides a 1:1 membership match in the Caesars Rewards loyalty program, making it an enticing option for those who frequent Caesars Entertainment and Resorts.

Like the no-annual-fee Earner, the Earner Plus accumulates accelerated points on hotels, gas, groceries, and dining. Namely, the card earns 6X points on hotels and gas, 4X on dining and groceries, and 1X on everything else.

The Wyndham Earner Plus also comes with two big bonuses: one for new accounts after meeting a spending minimum and an anniversary bonus. The signup bonus is 45,000 points after spending $1,000 in the first 90 days, while the annual bonus is 7,500 points every year. The signup bonus is worth approximately $495, while the annual bonus has a cash equivalent of roughly $83.

Other features of the Earner Plus Card include:

  • 0% intro APR for 15 months on balance transfers made within the first 45 days of opening an account
  • No foreign transaction fees
  • Visa Zero Fraud Liability protection
  • Wyndham go free awards

New Wyndham Rewards Business Credit Card

Barclays and Wyndham also have a new business credit card – a first for the program. The new Wyndham Rewards Earner Business Card is ideal for small companies that send their employees on trips for work – and want to earn impressive rewards towards significant savings. Sole proprietors who find themselves traveling frequently for business needs will likely also benefit from this card.

The card, which features a $95 annual fee, earns a huge 8X points on Wyndham hotel stays and gas purchases; 5X points on marketing, advertising, utilities, and the typical 1X on everything else.

The Earner Business comes with the same introductory bonus as the Earner Plus personal card – 45,000 points after spending $1,000 in the first 90 days – plus an impressive 15,000 bonus points on every card account anniversary.

The most appealing feature with the Wyndham Rewards Earner Business Card, however, is complimentary Diamond elite status in the Wyndham Rewards program. Diamond status is the top tier in the program, offering suite upgrades, welcome amenities at check-in, and complimentary Gold status for a friend or family member.

Other features of the Earner Business Card include:

  • No foreign transaction fees
  • Visa Zero Fraud Liability protection
  • Wyndham go free awards

The Ultimate Wyndham Rewards Guide

by Cory Santos
ultimate-wyndham-rewards-program-guide

Last updated on April 3rd, 2024

Wyndham Rewards® is the hotel rewards program from Wyndham Hotels. This loyalty program rewards customers who love to stay at Wyndham Hotels properties across the globe, awarding bonus points that can be redeemed for free or discounted stays, merchandise, tours and excursions, and much more.

What Hotels Are in the Wyndham Portfolio?

Wyndham prides itself on its service, and with a plethora of prolific properties across the country, Wyndham’s site says, “Chances are, you’re about 10 minutes from a hotel by Wyndham.” Take your pick from more than 9,000 properties across twenty brands in more than eighty countries:

AmericInn® by Wyndham Ramada® by Wyndham Super 8 by Wyndham Hawthorn® Suites by Wyndham
Wyndham Grand® Wyndham® TRYP by Wyndham Wingate® by Wyndham
Wyndham Garden® Baymont® by Wyndham Howard Johnson® by Wyndham Dazzler by Wyndham
Trademark Collection by Wyndham La Quinta® by Wyndham Travelodge by Wyndham Esplendor by Wyndham
Dolce Hotels and Resorts® by Wyndham Days Inn® by Wyndham Microtel by Wyndham

How to Earn Points with Wyndham Rewards

Hotels offer the easiest method of earning Wyndham Rewards points. Members earn points for hotel stays at both Wyndham Hotels & Resorts, as well as at over 30 Caesars Casino destinations and Wyndham Vacation Clubs. The number of points members earn will vary based on the membership tier status they hold. The points-earning potential for Wyndham Rewards account members breaks down as follows:

  • Blue: 10X per dollar spent with the brand
  • Gold: 11X per dollar spent with the brand
  • Platinum: 11.5X per dollar spent with the brand
  • Diamond: 12X per dollar spent with the brand

Other Ways to Earn Points

Car Rentals: Earn up to 100 points per day (to a maximum of 500 points per rental) with Avis and Budget. Members also receive a discount of up to 30% on qualifying rentals.

  • Marathon: Earn select points per gallon of gas at participating Marathon gas stations through Wyndham’s MakeItCount program.
  • Experiences: Earn points on travel and experience packages booked through the Wyndham Experiences portal.
  • Frequent Flyer Miles: Members have the option of earning miles in place of points.

Shopping

  • ShopAndEarn: Members earn points for purchases with thousands of famous names through Wyndham’s ShopAndEarn portal.
  • DoorDash: Earn points for every DoorDash order.

What Are Wyndham Rewards Points Worth?

Program Value (cents/point)
Best Western Rewards 0.6
Caesars Rewards 0.8
Choice Privileges 0.6
Drury Rewards 1
Hilton Honors 0.7
IHG One 0.6
Marriott Bonvoy 0.9
MGM Rewards 0.8
Radisson Rewards 0.4
Sonesta Travel Pass 0.5
VOILÀ Rewards 0.7
World of Hyatt 1.75
Wyndham Rewards 1.1

How to Redeem Points with Wyndham Rewards

Redeeming points for free night stays at eligible Wyndham hotels offers members the best value-for-money in the Rewards program. Reward nights rates vary depending on the category of the property, the date of the proposed booking, and the location of the hotel. Free nights in the Wyndham Rewards program fall under three categories: go free, go fast, and go get ’em.

  • go free: go free allows hotel rewards program members to redeem between 7,500 and 30,000 points for free nights at participating hotels or 15,000 to 30,000 points on bedrooms at participating club resort properties.
  • go fast: go fast allows members to use points to book discounted nights for between 1,500 and 6,000 points per bedroom.
  • go get ’em: With go get ’em, members earn 10 points per dollar or 1,000 points for every qualified stay, whichever is more.

Transfer points to travel partners

Points transfer to more than a dozen airline and travel partners, including:

Aeromexico Amtrak Guest Rewards Frontier Airlines FRONTIER Miles American Airlines AAdvantage
Air Canada Aeroplan Avianca LifeMiles Hawaiian Airlines HawaiianMiles Fortune Wings Club
Air China China Eastern United Airlines (MileagePlus) Turkish Airlines Miles & Smiles

Other ways to redeem

  • CentsOff: Points earned apply to Marathon Gas fuel discounts.
  • Gift Cards: Points are applicable towards gift cards from over 100 brands, including Dave & Busters, Bath & Body Works, Landry’s, and more.
  • Tours & Activities: Redeem points on travel and experience packages booked through the Wyndham Experiences
  • Shopping: Points are redeemable towards merchandise through the Wyndham’s ShopAndEarn portal.
  • Donations: Points can be donated to more than a dozen charitable organizations, including Save the Children, Jack & Jill Late Stage Cancer Foundation, Operation Homefront, the YMCA, and more.

Wyndham Rewards Membership Tiers

Here is a detailed breakdown of the various tiers in the Wyndham Rewards program, their benefits, and more:

Blue Gold Platinum Diamond
Member savings ✔️ ✔️ ✔️ ✔️
Earn points ✔️ ✔️ ✔️ ✔️
go free® & go fast® award nights ✔️ ✔️ ✔️ ✔️
Rollover nights ✔️ ✔️ ✔️ ✔️
Free Wi-Fi ✔️ ✔️ ✔️ ✔️
Dedicated customer services – ✔️ ✔️ ✔️
Accelerated earning – ✔️ ✔️ ✔️
Accelerated earning – ✔️ ✔️ ✔️
Early check-in – – ✔️ ✔️
Caesars Rewards status match – – ✔️ ✔️
Car rental upgrades ✔️ ✔️
Suite upgrades ✔️
Welcome amenity ✔️
Give Gold status ✔️

Blue

Blue is the base tier in the rewards program. Members can expect:

  • Free Wi-Fi
  • Rollover nights never expire

Gold

Gold is the next tier in the Wyndham Rewards program. Gold tier requires five nights per year.

Gold members can expect the following perks, in addition to what Blue provides:

  • Dedicated membership services
  • Preferred room choice
  • Accelerated points-earning
  • Late check-out

Platinum

Platinum is the next tier in the hotel rewards program, requiring 15 nights per year. Platinum members can expect the following additional benefits:

  • Early check-in
  • Avis and Budget car rental upgrades
  • Caesars Rewards membership match

Diamond

Diamond is the premier tier in the Wyndham Rewards loyalty program. Diamond offers the pinnacle of rewards and benefits, with Diamond members enjoying perks including:

  • Suite upgrades
  • Welcome amenities at check-in
  • Complimentary Gold status to a friend or family member

Current Wyndham Credit Cards

Check out more

Travel Rewards Credit Cards

Best Soft Pull Credit Cards

by Cory Santos
the Best Soft Pull Credit Cards of 2020

Last updated on September 5th, 2023

Looking to repair your credit with a new card but are wary of the impact on your credit score? A soft pull credit card does just the trick to boost your score and avoid any initial negative impacts. Here are some of the best soft pull credit cards of 2020.

At a Glance


OpenSky® Secured Visa®
Applied Bank Secured Visa® Gold Preferred® Card
First Progress Platinum Prestige Mastercard®

Self Visa® Secured Credit Card

What is a "Soft Pull?"

A “soft pull” is a form of credit check where a bank or card issuer pulls basic information from an applicant’s credit report without doing a deep dive. Soft pulls, also known as “soft inquiries” or a “soft credit check”, can occur without an applicant’s authorization (which is not required) and do not include a full look into a person’s credit reports.

Soft credit pulls differ from “hard inquiries” because they have no impact on your credit score. 

Because a hard inquiry allows a lender to view your full credit report, these types of pulls lower your credit score in the short term. Hard inquiries will nudge your credit score down for several months and remain on your credit report for two years.

The total number of hard inquiries on your credit report is one of the factors lenders consider when reviewing applications for new credit.  Too many inquiries may indicate you are under financial strain and need more credit to manage your existing debts. This indication, in turn, can lead to a greater chance of applications being rejected.

Here is a quick breakdown in the major differences between soft and hard credit inquiries: 

Type Credit impact Examples
Hard inquiry Requires your consent and can impact your credit score
  • Applying for an installment loan
  • Credit card applications
  • Collection agency tracing of late payments and collections (skip tracing)
  • Applying for a mortgage
Soft inquiry Doesn’t require your consent and won’t harm your credit score
  • Checking credit scores with free apps
  • Employment credit checks
  • Insurance credit checks
  • Credit card pre-approval offers

 

Benefits of a Soft Pull Credit Card

Because a soft pull has no impact on your credit score, it is preferable to hard inquiries. Those with low credit scores can especially benefit from credit cards that only require a soft pull, since it may give them better chances of receiving new credit.

Getting a soft pull credit card allows those with sub-prime (or deep sub-prime) credit to gain access to new credit, improve their payment history, and decrease their credit utilization – all without the short-term impact of a credit check.

The Best Soft Pull Credit Cards

So what are the best credit cards that only use a soft pull to apply? Here are some of our favorite offers:

OpenSky Secured Visa® Credit Card

opensky_secured_visa
No Credit Check to Apply
  • Build credit with on-time payments
  • Reports to the three leading credit bureaus
  • Zero Fraud Liability
☆ Fast Online Application
☆ Credit Limits Between $200 and $3,000
☆ Access to OpenSky Knowledge Base
☆ 24/7 Online Account Access
Apply Now

Read Review

Terms & Conditions

There are plenty of credit cards on the market for people with bad credit or no credit. One of the more popular options, however, is the OpenSky Secured Visa. Perhaps the best reason to consider adding the OpenSky Visa credit card to your wallet is that it requires no credit check. The application process with the OpenSky Secured Visa is straightforward and takes just a few minutes. Decisions are equally quick, making the entire process as painless as possible.

Part of repairing damaged credit is learning the skills to use credit properly. OpenSky is excellent in this aspect, as it provides cardholders with free access to a credit knowledge base. The OpenSky credit education hub offers a range of articles on building credit. These topics include how to receive a free copy of your credit score, how credit scores are calculated, tips on boosting credit, and other advice that relate specifically to the OpenSky card.

Other reasons why the OpenSky is among the best soft credit check cards on the market today include the relatively low minimum deposit required, regular reporting to the three major credit bureaus (Equifax, Experian, and TransUnion), and the global purchasing power of the Visa payment network.

Applied Bank Secured Visa® Gold Preferred®

applied bank secured visa gold preferred credit card
When Other Banks Say No We Say Yes!
  • Build credit with on-time payments
  • A real Visa credit card with monthly reporting
  • Zero Fraud Liability
☆ No Credit Check Required
☆ Refundable Security Deposit
☆ 24/7 Online Mobile Access
Apply Now

Read Review

Terms & Conditions

The Applied Bank Visa Gold is another excellent secured card that does not require a hard inquiry to receive. Like the OpenSky, Applied Bank offers a quick and easy application process, a decision in minutes, and regular reporting to the three major credit reporting bureaus.

Where the Applied Bank Visa Gold Preferred differs, however, is in its impressive regular APR and potentially high credit limits.

The Applied Bank Visa Gold preferred features a fixed-rate APR of just 9.99% on purchases and cash advances. This interest rate is among the lowest in the market, comparable to the First Progress Platinum Prestige Mastercard. This impressive APR makes carrying a balance with the Applied Bank secured card very cost-effective.

The second benefit of the Applied Bank Secured Visa Gold Preferred is the generous credit limits. The card’s minimum deposit is $200, which is on par with many other secured card offers. Those looking to boost their overall credit and lower their credit utilization quickly, however, can raise their credit line to $5,000 through an additional deposit.

First Progress Platinum Prestige Mastercard Secured Credit Card

first progress prestige 224x141 new-23
Build Credit One Step at a Time
  • Earn 1% Cash Back Rewards on payments!
  • Reports to all 3 major credit bureaus.
  • Mastercard $0 Fraud Liability
☆ No Credit Check Required
☆ Refundable Security Deposit
☆ 24/7 Online Mobile Access
Apply Now

Read Review

Terms & Conditions

The Platinum Prestige Mastercard Secured Credit Card from First Progress is an excellent secured credit card option for those who want a great rate while building their credit. The Platinum Prestige offers the same low APR as the Applied Bank Card, with a reasonable annual fee of just $49.

While the Platinum prestige does not feature the same cash advance APR of the Applied Bank Gold Preferred, it does offer Mastercard features, which both the Applied Bank and OpenSky cards lack. Mastercard offers ID Theft Protection, which monitors a cardholder’s credit bureau files from all the major credit bureaus for changes. It also sends instant alert notifications on suspicious activity, and offers white-glove ID theft resolutions service. Visa does not provide this service.

Beyond the unique Mastercard features and protections, the First Progress Secured Card offers the same regular reporting to Equifax, Experian, and TransUnion, the same reasonable minimum deposit requirement, and the ability to build or repair credit with on-time payments.

Actually, all the First Progress secured credit cards are great options for people looking to boost their score but not suffer any credit dings from opening those accounts. Here are how the First Progress cards stack up:

First Progress Platinum Elite First Progress Platinum Select First Progress Platinum Prestige
Annual fee $29 $39 $49
Credit needed None None None
Rewards Does not earn rewards 1% cash back rewards 1% cash back rewards

Self Visa® Credit Card

Get the Savings Plan That Helps Build Credit Today!
  • Monthly reporting to 3 major credit bureaus
  • No credit check needed
☆ No Credit History Needed
☆ Over 500,000 Trust Self to Build Credit
☆ Get $ Back After Building Credit
Apply Now

Read Review

Terms & Conditions

The Self Visa® Credit Card is a secured credit card that pairs with an existing Self Credit Builder Account.  Because the card requires a Credit Builder Account to open, there is no credit check when applying. After opening an account, you’ll need to make three monthly payments on time – and have more than $100 in your Self CD account – only then can you open a Self secured card account. 

The Self Visa reports to the major credit bureaus every month. This regular reporting to Equifax, Experian, and TransUnion allow users to quickly raise their credit score through a series of on-time payments. And because the card is linked to a Self Credit Builder Account, you can increase their secured card credit limit as you continue to build your FICO Score with on-time payments. And as your Credit Builder Account grows, that money can be moved toward the credit line with the Self Visa® Credit Card.

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Featured image by Sarah Pflug from Burst

Marriott to Lose 100 Hotels to Sonesta Soon?

by Cory Santos
marriott-to-lose-100-hotels-to-sonesta-in-days

Marriott is facing complications that could see the hotel corporation lose up to 122 locations in just days. An investment company with a significant stake in Sonesta is demanding compensation from Marriott immediately for payment shortfalls and threatening to rebrand their properties if Marriott fails to comply. Here’s what you need to know about the issue and why Marriott may lose over one hundred properties next week.

SVC Threatens Marriott Over Payment Shortfalls

While the Marriott Bonvoy program includes hundreds of properties and dozens of brands, Marriott doesn’t actually own many of its hotels. Instead, investment companies, like hedge funds, own most hotels in the Marriott ecosystem.

Service Properties Trust (SVC) is one such investment firm. SVC owns 122 properties that bear the Marriott name. These include not just Marriott hotels, but also other names in the Bonvoy program such as Courtyard Inn & Suites, TownePlace Suites, Residence Inns, and more.

SVC recently sent a request to Marriott demanding immediate payment for shortfalls, according to a press release through Business Wire. The demand includes an advance of $11 million to cover shortfalls for the first eight months of 2020. It also requests 80% of the priority returns for the same period.

If Marriott International does not make these payments within ten business days, SVC says they will terminate their contract with the brand and switch the hotel’s branding to Sonesta International Hotels Corporation.

SVC and Sonesta

The proposal to move 122 Marriott Hotels to the Sonesta brand is no idle threat. SVC owns a 34% stake in Sonesta, making a move a logical decision from a financial standpoint. IHG recently lost 103 hotels to Sonesta in similar circumstances. The owner of those 103 properties: Service Properties Trust.

While the Sonesta brand (and the Sonesta Travel Pass loyalty program) has a much smaller foothold in the marketplace compared to IHG or Marriott, the addition of several hundred properties is a sign that the company is on the rise. Sonesta stands to go from less than 100 properties in January 2020 to over 300 by December, potentially.

Whether Marriott makes the $11 million payment remains to be seen. Either way, expect SVC and Sonesta to continue making waves in the hotel industry.

Related Article: The Ultimate Guide to Hotel Credit Cards

1Password Adds Virtual Credit Card Capabilities

by Cory Santos
1password-adds-virtual-credit-card-capabilities

Last updated on April 20th, 2023

Password management platform 1Password is branching out to offer its clients virtual credit cards. The new payment option will allow users to create virtual cards to make online purchases safer. Here are all the details of the new 1Password partnership with Privacy.com.

New Partnership means Greater Security When Making Online Purchases

Leading password management provider, 1Password, is now offering virtual credit cards. The new venture, in partnership with Privacy.com, allows members to create an unlimited amount of virtual credit cards for purchases made online.

The new feature is now available in the United States via the 1Password X extension for both the Google Chrome and Apple Safari web browsers.

What Are Virtual Credit Cards?

Virtual credit cards are temporary credit card numbers that a user generates to make online purchase safer. Since these cards are easily removed or canceled, they are an excellent way to prevent information or financial loss due to the hacking of an online merchant.

Virtual cards are a popular option for those who want to take advantage of a free trial but don’t want to worry about incurring charges if they forget to cancel the offer before the free period ends.

Related Article: Free Trial Forgetfulness – How To Automatically Cancel Free Trials Before They Renew

How to 1Password Virtual Cards Work?

The process for creating a virtual credit card through the 1Password X extension is straightforward:

  • The extension will display an option to create a virtual card number when entering payment information into the browser
  • Users can set a spending limit with the new card they create
  • Options are also available for on-time payments, monthly budgets, or to a set cap on spending
  • Users can then save the card to the 1Password manager for easy checkout on subsequent visits to the same retailer

The virtual cards are locked to a specific retailer adding further protection from hacking, theft, or other cybercrimes.

“Keep Your Data as Safe as Can Be”

The 1Password team hailed the new partnership with Privacy.com in a release announcing the move:

“We’re so pleased to add these features to 1Password – we’re pretty sure it’s new territory for password managers across the board. This partnership means we can now do for your money what we’ve always done for your passwords. Namely: create unique information for every service you use to keep your most important data as safe as can be.”

About 1Password

1Password is a leading password management platform for businesses and individuals. The platform provides comprehensive security and privacy for users. These privacy features include no in-app analytics or trackers and no in-app advertisements.

About Privacy.com

Prvacy.com is a leading payment security and privacy site that provides elegant solutions for businesses and consumers. The company offers plans of various shapes and sizes that offer online purchasing protection through virtual cards, dedicated customer support, and more.

Related Article: Chase Launching Digital-Only Corporate Credit Cards

Why Do the Best Credit Scores Have the Most Debt?

by Cory Santos
why-do-the-best-credit-scores-have-the-most-debt

Last updated on August 23rd, 2023

According to Experian, one of the three major credit bureaus (along with Equifax and TransUnion), people with “exceptional” credit scores carry the most debt on average. Why is that, though? Here’s why people with good credit scores tend to have the most credit card debt.

Excellent Credit and Debt: The Facts and Figures

Experian’s data shows a direct correlation between credit score and average debt. This data examines the average credit score and debt burden for consumers in Q2 of 2019.

Those with super-prime credit scores (a FICO score between 800 and 850) have an average total debt of $136,901, compared with an average total debt of just $38,324 for those with deep subprime credit (a FICO score between 300 and 579).

experian data

Many Consumers Mistakenly Believe High Debt Means Low Credit Scores

The report also notes that most American consumers have a mistaken belief that holding significant debt will directly harm your credit score. Over 80% of respondents held this belief, with 51% thinking higher credit scores had lower debt levels than those with bad credit scores.

Why Do Those with the Best Credit Have the Most Debt?

So, why are so many Americans confused about debt and credit scores? That’s because there is a general belief that debt is inherently bad. Sure, having it isn’t ideal, but managing it successfully and paying it off is an essential aspect of building an excellent credit score.

Payment History Is Essential to Excellent Credit

Payment history is the number one consideration when it comes to determining a FICO credit score. Because those with excellent credit scores have greater access to credit products (including credit cards), they have better odds of receiving new credit vs. those with fair or poor credit.

Having better access to credit creates the opportunity to amass more on-time payments, helping super-prime score holders to protect – and build – their credit score. People with deep subprime credit, on the other hand, have far fewer options, meaning they have less chance at accumulating debt.

More problematic, however, is the fact they all have more significant hurdles to boosting their credit score. Because of the importance of payment history, just one missed payment for someone with bad credit will have an exponentially greater impact than a similar event for a super-prime borrower.

How to Get a Better Credit Score

A string of on-time payments isn’t the only factor in getting excellent credit. There are several factors which must be met to improve credit and gain access to better credit opportunities in the future:

Reduce Credit Utilization

Credit use accounts for about 30% of a person’s FICO score, making it the second-largest factor in calculating that number (after payment history). A cardholder that doesn’t use more credit than they need to shows lenders that they can manage their monthly payments. A low credit utilization rate also displays that they aren’t stretched financially.

Keep Older Accounts Open

While the average age of credit accounts for only 15% of a person’s FICO score, keeping older accounts active is an easy way to build credit. Use credit cards at least once a year to keep the account active and consider downgrading if you have a card with an annual fee.

Related Article: When Should You Downgrade Your Credit Card?

How to Avoid Long Customer Service Wait Times

by Cory Santos
How to Avoid Long Customer Service Wait Times

Last updated on August 24th, 2023

Wait times for customer service are never enjoyable. Due to the coronavirus pandemic, the amount of time customers are on hold with banks is rising significantly. Fortunately, there are things you can do to avoid long credit card customer service wait times.

How to Avoid Long Customer Service Wait Times

According to a recent report by JD Power & Associates, consumer satisfaction with credit card companies has dropped dramatically during the COVID-19 pandemic. One of the major concerns cited in the report is the difficulty in speaking with customer service representatives.

According to both Chase and American Express (both which ranked highly in the customer satisfaction survey), phone wait times have risen significantly since March, though they are now beginning to return to normal.

If you find yourself struggling to get hold of a customer service representative over the phone, other options are available. These solutions can save you both time and headaches:

Use Live Chat Features

One of the easiest ways to bypass long phone wait times is to make use of a bank’s online chat features. Because of the one-on-one nature of phone calls, wait times can extend for 15 minutes or more. With live chat, however, customer service agents can handle multiple queries at once – leading to faster responses.

Capital One actively encourages customers to make use of their live chat feature, which is available on the website (both mobile and desktop), as well as through their mobile app. Bank of America, TD Bank, and PNC Bank are other issuers who recommend customers utilize chat to avoid long wait times.

Send a Secure Message

For cardholders who don’t have the time for phone conversations or online chat, consider using secure messaging services. Most banks allow current customers to send secured messages to their customer service team via online banking or mobile apps.

To take advantage of secure messaging, simply log in to your online account, find the “Contact Us” page or link, select the “Email Us” option, and send your message securely and confidentially. Since you are already logged in, there is no need to include your account number or other information.

Keep in mind that secure messages and emails may have longer response times than phone calls. Still, if your concern is not urgent, secure messaging can save you the headache of being on hold.

Twitter

Social media allows consumers to interact with their favorite brands like never before. One of the simplest ways of getting customer service support is by contacting your bank via Twitter. Tagging your bank’s customer service twitter handle and stating your issue can result in quick problem resolution.

Because brands are conscious of their public perceptions, many banks feature customer service personnel whose job focuses on social channels, such as Twitter. These personnel often respond to messages quickly to ensure their mentions online are positive – and their customers are happy. Just remember not to include sensitive personal information in publicly visible social media posts.

Most banks and credit card issuers have support teams on Twitter, which a few prominent examples being:

Conclusion

Being on hold for long periods can be frustrating. Fortunately, there are plenty of options available to help you avoid long customer service wait times. Social media, secure messaging, and other methods provide you with a headache-free route to customer service that bypasses waiting on hold. Keep in mind, however, that some of these methods may feature longer-than-average response times.

Related Article: Credit Card Customer Service Is Critical to Attracting Customers Says New Study

The Ultimate Marriott Bonvoy Guide

by Cory Santos
ultimate-marriott-bonvoy-program-guide

Last updated on April 3rd, 2024

Marriot Bonvoy is the hotel rewards program from the Marriott hotel group. The current Bonvoy™ program is based in part on the luxurious rewards programs of two hotels that now compose part of the Marriott brand: Starwood Preferred Guest (SPG) and The Ritz-Carlton.

The Marriott Bonvoy program is regarded as one of the most exceptional hotel rewards programs available today and prides itself on offering elite-level benefits and excellent redemption value. The Bonvoy family of credit cards is especially well-regarded for its attractive signup bonuses, with the Marriott Bonvoy™ Boundless Card from Chase being a prime example.

What Hotels Are in the Marriott Portfolio?

The following hotels and resorts make up the Marriott International portfolio, and participate in the Bonvoy program:

AC Hotels Element JW Marriott Ritz-Carlton
Aloft Fairfield Inn Le Meridien Sheraton
Autograph Collection Four Points Marriott Hotels & Resorts SpringHill Suites
Bulgari Hotels Gaylord Hotels Renaissance Hotels Regis
Courtyard by Marriott Homes & Villas by Marriott Residence Inn TownePlace Suites
Westin W Hotels

How to Earn Points with Marriott Bonvoy

The simplest way to earn points through the Bonvoy program is by booking a stay with a Marriott International hotel or resort.

Points from hotel stays vary depending upon the membership status of the individual, as well as the type of property the stay is booked in. Long-stay brands like Residence Inn, Element, or TownePlace Suites, for example, earn half the points of typical visits with other Marriott brands.

The points breakdown for hotel stays is as follows:

  • Member: 10X points
  • Silver: 11X points
  • Gold: 12.5X points
  • Platinum: 15X points
  • Titanium & Ambassador: 17.5X points

Earn with Travel Partners

Another great way to earn Bonvoy points is through travel bookings with select Marriott partners. Currently, Marriott only has two ways where members can earn points through partner bookings:

  • Hertz: Members earn up to 2,000 points for each car rental made through Hertz.
  • Cruises: Members can also earn up to 6 points per dollar by booking cruises through select partners, including Royal Caribbean, Celebrity Cruises, Princess Cruises, Carnival, and Norwegian Cruise Line.

Other Ways to Earn Points

  • Buy Points: Marriott allows members to buy points through their dedicated Buy Points portal. The site typically offers deals on points purchases, usually around 25-35% in points bonuses for each purchase over a set amount. The maximum number of points that can be purchased in one transaction is 50,000 – though this level is frequently raised to 100,000 on special events.
  • Gift Points: Marriott also allows members to share their points with a loved one through gifting.
  • Special Events: Marriott offers far more than just hotel rooms, as it also plays host to thousands of events each year. Marriott Bonvoy also rewards event planners by allowing them to earn points on money spent on events hosted by Marriott.

What Are Marriott Bonvoy Rewards Points Worth?

Program Value (cents/point)
Best Western Rewards 0.6
Caesars Rewards 0.8
Choice Privileges 0.6
Drury Rewards 1
Hilton Honors 0.7
IHG One 0.6
Marriott Bonvoy 0.9
MGM Rewards 0.8
Radisson Rewards 0.4
Sonesta Travel Pass 0.5
VOILÀ Rewards 0.7
World of Hyatt 1.75
Wyndham Rewards 1.1

How to Redeem Points with Marriott Bonvoy

Perhaps the most obvious way to redeem Bonvoy points is through booking free night stays with Marriott properties. Points are redeemable for stays in three different ways: PointSavers, Points, or Cash + Points.

  • PointSaver: PointSaver is a revolving list of Marriott properties and offers the best value for money, with increased discount rates. Redemptions with PointSaver start as low as 4,000 points for off-peak stays, 6,000 for regular stays, and 8,500 points for peak-season stays.
  • Points: Points are the primary method of redemption with the Bonvoy program, with free nights starting at 5,000 points for off-peak stays at Category 1 properties, 7,500 for typical stays, and 10,000 for peak-season stays.
  • Cash + Points: Cash + Points allows Bonvoy members to pay for part of their stay with points – paying the rest with cash. Redemptions using Cash + Points start as low as 1,500 points and $55.

Transfer to Travel Partners

Marriott Bonvoy points also transfer to the frequent flyer rewards programs of over 40 different airlines. All a Bonvoy member must do is log in to their Bonvoy account, click on “Redeem Points,” choose “Travel,” and click on the box titled “Transfer Points to Miles.”

The following airlines are partners with Marriott:

Aegean Airlines Asiana Airlines Frontier Airlines Lufthansa
Aeroflot Avianca Hainan Airlines Qantas
Aeromexico British Airways Hawaiian Airlines Qatar Airlines
Air Canada Cathay Pacific Iberia Saudi Airlines
Air China China Eastern Airlines Japan Airlines Singapore Airlines
Air France China Southern Airlines Jet Airways South Africa Airways
Air New Zealand Copa Airlines JetBlue Southwest
Alaska Airlines Delta Air Lines KLM TAP
All Nippon Airways Emirates Korean Air Thai Airways
American Airlines Etihad LATAM Turkish Airlines
Virgin Atlantic Virgin Australia United Airlines

Transfer rates of Bonvoy points to frequent flyer miles are uniform, with a few exceptions. Most airlines offer frequent flyer miles for Bonvoy points at a rate of three points for every mile (3:1). The following, however, are exceptions:

  • Air New Zealand: 200 Bonvoy points for every mile.
  • JetBlue: Six Bonvoy points for every mile.
  • United: Three Bonvoy points for every 1.1 miles. This rate is unique, as United offers a 10% bonus on every point transfer.

Other Ways to Redeem

  • Shopping: Bonvoy points are redeemable towards merchandise through the dedicated Shop with Points portal. While shopping with points never offers the best value for money when it comes to redemptions, the Shop with Points portal does provide a wide selection of goods and gift cards from some of the biggest retail names, including Yeti, HP, Garmin, and more.
  • Share or Pool Points: Marriott also allows members to either share their points with loved ones through gifting or pooling points with friends or family to help reach expensive redemption goals.

Marriott Bonvoy Membership Tiers

The Bonvoy loyalty program provides a variety of perks and amenities for members. These perks vary depending upon your tier status, with the following tiers enjoying the following benefits:

Marriott Bonvoy Member
10x points at Marriott brands Mobile check-in Digital key Free wI-fI
Marriott Bonvoy Silver – 10 Nights
11x points at Marriott brands (10% bonus) Mobile check-in Digital key Free wI-fI
Ultimate reservation guarantee Elite reservation line Late check-out
Marriott Bonvoy Gold – 25 Nights
12.5x points at Marriott brands (25% bonus) Mobile check-in Digital key Upgraded free Wi-Fi
Ultimate reservation guarantee Elite reservation line Late check-out Points welcome amenity
Room upgrades (when available)
Marriott Bonvoy Platinum – 50 Nights
15x points at Marriott brands (50% bonus) Mobile check-in Digital key Enhanced free Wi-Fi
Ultimate reservation guarantee Elite reservation line 4 PM late check-out Welcome amenity
Suite upgrades (when available)
Marriott Bonvoy Titanium – 75 Nights
17.5x points at Marriott brands (75% bonus) Mobile check-in and digital key Annual choice benefit Enhanced free Wi-Fi
Ultimate reservation guarantee Elite reservation line 4 PM late check-out Welcome amenity
Suite upgrades (when available) 48-hr. room guarantee Suite upgrades at Ritz Carlton United Airlines Silver Premier status
Lounge access
Marriott Bonvoy Ambassador – 100 Nights + $20,000 in spending
17.5x points at Marriott brands (75% bonus) Mobile check-in and digital key Annual choice benefit Enhanced free Wi-Fi
Ultimate reservation guarantee Elite reservation line 4 PM late check-out Welcome amenity
Room upgrades including Ritz-Carlton 48-hr. room guarantee Lounge access United Airlines Premier status
Personalized Ambassador service

And here’s a breakdown of those benefits:

Silver Elite

Silver Elite is the first elite tier in the Bonvoy program that offers perks beyond what regular members can expect.

Silver Elite Benefits

Silver Elite members can expect the following perks:

  • 10% bonus points on stays
  • Priority late check-out
  • Access to the dedicated reservations line

Gold Elite

Gold is the next tier in the Bonvoy program. Gold Elite requires at least 25 nights’ worth of reservations per year. Seven years of Elite status and 400 stays earns the recipient lifetime Gold Elite status.

Gold Elite Benefits

Gold Elite members can expect the following perks:

  • 25% bonus points on stays
  • Priority 2 pm late check-out
  • Enhanced room upgrades
  • Free improved in-room Wi-Fi
  • Access to the dedicated reservations line
  • Welcome gift with points redemptions

Platinum Elite

Platinum is the next tier in the Bonvoy program. Platinum Elite requires at least 50 nights of reservations per year. Ten years of Elite status and 500 stays earns the recipient lifetime Platinum Elite status.

Platinum Elite Benefits

Platinum Elite members can expect the following perks:

  • 50% bonus points on stays
  • Priority 4 pm late check-out
  • Room upgrade, including with Select Suites
  • Free enhanced in-room Wi-Fi
  • Access to hotel lounges (where available)
  • Access to the dedicated reservations line
  • Choice of a free welcome gift of points, breakfast, or amenities

Titanium Elite

Titanium Elite is the second-highest level in the Bonvoy hotel rewards program, requiring 75 nights per year (including redemption nights).

Titanium Elite Benefits

Titanium Elite members can expect the following perks:

  • 75% bonus points on stays
  • Priority 4 pm late check-out
  • Room upgrade, including with Select Suites
  • Free enhanced in-room Wi-Fi
  • Access to hotel lounges (where available)
  • Access to the dedicated reservations line
  • Choice of a free welcome gift of points, breakfast, or amenities
  • Annual gift choice of one of the following:
  • 5 Suite Night Awards
  • 1 Free Night Award
  • Gold Elite status for a friend or family member
  • 40% favorite mattress
  • 5 Elite Night Credits
  • $100 charity donation

Ambassador Elite

Ambassador Elite status is the pinnacle tier within the Marriott Bonvoy loyalty program, offering the highest level of perks to members. This tier requires at least 100 stays per year.

Ambassador Elite Benefits

Ambassador Elite members can expect the following perks:

  • 75% bonus points on stays
  • Your24 – choose the 24 hours of your visit and check–in and out when it suits you
  • 48–hour booking guarantee
  • Personalized assistance with all stays
  • Room upgrade, including with Select Suites
  • Free enhanced in-room Wi-Fi
  • Access to hotel lounges (where available)
  • Choice of a free welcome gift of points, breakfast, or amenities

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New Airline Bailout Sought by U.S. Senators

by Cory Santos
Republican Senators Seek New Airline Bailout

Last updated on February 20th, 2024

Just months after an initial bailout worth billions of dollars, airlines might be receiving another round of assistance from Uncle Sam. Two Republican senators are introducing legislation to help U.S. carriers with another $28 billion in aid. Here’s what you need to know about a second airline bailout:

New Airline Bailout Proposal Introduced

Senators Susan Collins (R, ME) and Roger Wicker (R, MI) are proposing a new $28 billion round of airline relief, with legislation introduced to the U.S. Senate this past week. The senators claim the legislation will help protect industry workers, amidst a spate of layoffs.

The new airline relief package seeks to protect airline workers and airport staff through the end of March 2021.

“Additional Relief Is Needed”

Despite the earlier airline bailout, part of the approximately $2 trillion CARES Act, many U.S. carriers announced plans for sweeping layoffs earlier this summer. Both American Airlines and United look set to slash their employee numbers by 10,000 jobs each, with over 40,000 jobs at stake in the industry.

While the terms of the CARES Act prevent airlines form announcing layoffs until October 1, 2020, these job cuts seem a certainty without further relief.

“The CARES Act successfully saved thousands of jobs that support the airline industry and provided these businesses with some breathing space after the drastic drop in air travel caused by the COVID-19 pandemic. However, the market has not turned around as much as we had hoped, and additional relief is needed.”

Sen. Roger Wicker (R, MI)

The new airline relief package seeks to protect airline workers and airport staff through the end of March 2021. How successful the legislative proposal will be remains to be seen. With little time before the October 1 deadline, bipartisan support is essential for the future of any new bailout.

Related Article: The Ultimate Guide to Airline Credit Cards

The Ultimate MGM Rewards Guide

by Cory Santos
ultimate-mgm-m-life-rewards-program

Last updated on April 3rd, 2024

MGM Grand Resorts is an iconic hotel and resorts brand that is perhaps best known for its resorts and casinos on the Las Vegas Strip. A global leader in both hospitality and entertainment, MGM has set the standard for the industry and features a world-class rewards program for its customers.

About MGM Rewards

The MGM Rewards program from MGM Resorts International is an exclusive loyalty program that allows members to earn valuable benefits, exclusive access, and phenomenal awards when they spend money at resorts and casinos that are part of the MGM brand.

MGM Resorts offers a variety of amenities and exclusive perks, including unique experiences like on-site concerts, luxury day spas, fine dining options, as well as casinos, pools, beaches, and cabanas. Check out the razzle-dazzle of Las Vegas or try a property in Massachusetts, Washington, D.C., Atlantic City, Manhattan, Ohio, Detroit, Biloxi, or Tunica.

Related Article: The Ultimate Guide to Gambling & Credit Cards

MGM Resort Locations

The MGM Rewards loyalty program applies to the following international and domestic MGM owned-or-operated properties:

Las Vegas, NV Properties:
Mirage Bellagio Aria Vdara
Park MGM NY, NY T-Mobile Arena MGM Grand
Excalibur Luxor Mandalay Bay The Cosmopolitan
Other US Properties:
Borgata – Atlantic City, NJ Yonkers Raceway & Empire City Casino – Yonkers, NY MGM Northfield Park – Northfield, OH MGM Springfield – Springfield, MA
MGM National Harbor – National Harbor, MD MGM Grand Detroit – Detroit, MI Beau Rivage – Biloxi, MS Gold Strike Casino Resort – Tunica Resorts, MS
China Properties:
Bellagio Shanghai – Shanghai Diaoyutai Hotel Hangzhou – Hangzhou MGM China – Macau MGM Macau – Sé
Diaoyutai Boutique Hotel Chengdu – Chengdu MGM Grand Sanya – Sanya MGM Cotai – Cotai

MGM Rewards Membership Tiers

Joining MGM Rewards opens the door to discounts of up to 10% off on rooms at MGM properties, exclusive pre-sale ticket offers for concerts and entertainment, discounts at participating retail shops, and access to unique MGM Moments.

MGM Rewards members earn Tier Credits for virtually all spending at MGM Grand Resorts and properties. Anyone can sign up online, and joining the program is free. To qualify, you must be at least 21 years of age. Four tiers can be achieved through spending and one ultra-exclusive, invite-only level.

Here is a breakdown of the tiers in the MGM Rewards loyalty program and the benefits each tier provides. Successive tiers also enjoy the benefits of the status levels below them – so Pearl status enjoys the benefits of Sapphire, and so forth.

MGM Rewards Sapphire
Sapphire is the base level in the MGM Rewards program and offers an excellent level of benefits to help you enjoy your stay:
Earn points on stays and gaming Low rate guarantee Dedicated reservation line MGM show discounts MGM exclusive offers access
Cruise offers Presale tickets to select events 30% Avis discount 5% discount at participating retail shops
MGM Rewards Pearl
Pearl is the next tier in the program and requires 20,000 tier credits or the MGM Rewards Mastercard to reach. Once there, you’ll enjoy the following perks, in addition to those of Sapphire members:
Points don’t expire Invitation to members-only events Dedicated buffet line Complimentary parking 10% slot bonus
Complimentary tickets to select exclusive concerts in Las Vegas 10% discount at participating retail shops
MGM Rewards Gold
Gold is the medium tier in the MGM Rewards program and requires 75,000 tier credits to reach. Once there, you can expect the following in addition to everything already mentioned:
World of Hyatt Explorist status match Expedited reservation line VIP access to select Las Vegas nightclubs for member and a guest Fine dining priority reservations No resort fees
Member appreciation events Priority hotel check-in Complimentary room upgrades 20% slot bonus Dedicated line at restaurants
$100 celebration dining experience
MGM Rewards Platinum
MGM Rewards Platinum is the highest tier you can reach in the program through points. Reaching Platinum tier requires at least 200,000 tier credits each year and offers the following beenfits:
Priority cabana, spa, and salon access Dedicated line at cashier’s cage 30% slot bonus 4 PM late check-out 1 PM early check-in (with notice)
Yearly LV suite upgrade Yearly $600 air travel credit to Las Vegas $200 celebration dining experience Fast pass taxi Priority access at select events
Yearly 5-night complimentary cruise in an oceanview stateroom on Royal Caribbean or Celebrity Cruise Line
MGM Rewards NOIR
NOIR is the highest tier in MGM Rewards and is only reachable by invitation. Here’s what NOIR members can expect:
40% slot bonus $500 celebration dining experience VIP check-in lounge Annual $1,200 air travel credit to Las Vegas 24-hour reservation guarantee
Annual 7-night complimentary cruise in a balcony stateroom on Royal Caribbean or Celebrity Cruise Line Complimentary transportation

How to Earn Rewards in MGM Rewards

As mentioned, members in MGM Rewards earn tier credits and points. Here is how to earn points in the program:

MGM Stays

The easiest way to earn rewards points is through eligible stays at MGM-operated properties worldwide. 

MGM Rewards Mastercard

The MGM Rewards Mastercard® (formerly the M life® Rewards Mastercard®) is a no annual fee hotel and gaming reward credit card from MGM and FNBO. The card provides automatic Peral status, no foreign transaction fees, and the chance to earn MGM Rewards points and tier credits on every purchase.

The MGM Rewards Mastercard® earns reward points in the following categories:

  • 3X points and tier credits per $1 spent at MGM Rewards destinations
  • 2X points and tier credits per $1 spent on gas and supermarket purchases
  • 1X points and tier credits per $1 spent on all other purchases

BetMGM Rewards Points

MGM Rewards members can also earn rewards points via gaming through BetMGM and its associated mobile app. Loyalty program members earn MRM Rewards points for the following activities:

  • Playing slots, video lottery terminals, or video poker
  • When gaming based on your time played, average bet, and game type
  • On hotel and dining spend

Do MGM Rewards Points Expire?

MGM Rewards points expire after six months of inactivity on the member’s account. That said, points never expire for Pearl tier members or higher. And, since the MGM Rewards Mastercard provides this feature, it is a great way to keep points from expiring while enjoying the best of Las Vegas with elite perks and discounts.

What Are MGM Rewards Points Worth?

Program Value (cents/point)
Best Western Rewards 0.6
Caesars Rewards 0.8
Choice Privileges 0.6
Drury Rewards 1
Hilton Honors 0.7
IHG One 0.6
Marriott Bonvoy 0.9
MGM Rewards 0.8
Radisson Rewards 0.4
Sonesta Travel Pass 0.5
VOILÀ Rewards 0.7
World of Hyatt 1.75
Wyndham Rewards 1.1

How to Redeem MGM Rewards Points

Points can be turned into comped rooms, free tickets to shows, unique dining experiences, entertainment, spa treatments, and more. Tier Credits are used to achieve a higher status level within the rewards program. They can open the door to exclusive benefits and perks that are not available to standard program members.

*For official rules regarding the eligibility of MGM properties in the MGM Rewards Program, please check out the program’s terms and conditions.

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The Ultimate Caesars Rewards Guide

by Cory Santos
ultimate-caesars-rewards-program-guide

Last updated on April 9th, 2024

Caesars Entertainment is well known for its hospitality, entertainment, and legendary casinos. Truly a vacation destination for anyone who loves Las Vegas, Caesars is the place to be. When you book a stay with Caesars, you’ll experience the best of a Las Vegas hotel – the world’s top accommodations, with luxurious suites, budget-friendly rooms, boutique hotels, and even pet-friendly resorts to choose from within their portfolio.

What Hotels Are in the Caesars Rewards Portfolio

The following hotels and resorts In Las Vegas make up part of the Caesars Rewards hotel locations:

Bally’s Caesars Palace The Cromwell Flamingo Harrah’s
The LINQ Nobu Hotel Paris Las Vegas Planet Hollywood Hyatt

But there are far more properties in the portfolio than just Vegas hotspots. The Rewards program also applies to more than three-dozen elite properties across the United States:

Belle of Baton Rouge – Baton Rouge, LA Caesars – Atlantic City, NJ, New Orleans, LA Caesars Republic – Scottsdale, AZ Caesars Southern Indiana – Elizabeth, IN
Circus Circus – Reno, NV Eldorado Resort Casino – Reno, NV Eldorado Scioto Downs – Columbus, OH Grand Victoria Casino – Elgin, IL
Harrah’s (NJ, NC, IA, IL, MO, NV) Harrah’s Ak-Chin – Maricopa, AZ Harrah’s Cherokee Valley River – Murphy, NC Harrah’s Gulf Coast – Biloxi, MS
Harrah’s Hoosier Park – Anderson, IN Harrah’s Louisiana Downs – Bossier City, LA Harrah’s Northern California – Ione, CA Harrah’s Philadelphia Casino and Racetrack – Philadelphia, PA
Harrah’s Resort Southern California – Funner, California Harvey’s – Lake Tahoe, NV Horseshoe (MD, LA, IA, IN) Horseshoe Tunica – Tunica Resorts, MS
Indiana Grand – Shelbyville, IN Isle Casino – Pompano, Florida Isle Casino Hotel (IA, CO) Isle of Capri – Lula, MS
Isle of Capri Casino Hotel – Boonville, MO Isle of Capri Lake Charles – Westlake, LA Lady Luck Casino – Black Hawk, CO Lumière Place Casino and Hotel – St. Louis, MO
Mid-America Center – Council Bluffs, IA Montbleu Casino Resort and Spa – Lake Tahoe, NV Silver Legacy Resort Casino – Reno, NV Trop – Greenville, MS
Tropicana – Atlantic City, NJ, Evansville, IN, Laughlin, NV

There are also international destinations, including seven casinos throughout the United Kingdom, three in the United Arab Emirates, and one in Egypt. 

How Do Caesars Rewards Work?

Caesars Rewards is a loyalty program offered by Caesars Entertainment, which allows members to earn and redeem rewards at participating hotels, casinos, and resorts across the United States.

To join the Caesars Rewards program, you can sign up for free on their website or at any participating Caesars Entertainment property. Once you become a member, you can start earning rewards by playing at their casinos, dining at participating restaurants, and staying at their hotels. You can earn Tier Credits and Reward Credits, which are used to determine your membership level and can be redeemed for various rewards.

Tier Credits are earned based on the amount of money you spend and the number of days you stay at participating properties. These credits determine your membership level, which ranges from Gold to Seven Stars. The higher your membership level, the more benefits and rewards you can enjoy.

Reward Credits, on the other hand, can be earned by playing games at participating casinos, dining at participating restaurants, and shopping at select retail stores. These credits can be redeemed for a variety of rewards, including free play, free nights at participating hotels, dining and shopping discounts, and more.

In addition to earning Tier Credits and Reward Credits, Caesars Rewards members can also enjoy other benefits, such as priority check-in and access to exclusive events and promotions. Members can also earn and use rewards at over 50 participating destinations, including Las Vegas, Atlantic City, and Lake Tahoe.

Caesars Rewards Membership Tiers and How to Earn Rewards

There are four levels of member status with Caesars Rewards:

Benefits Gold Platinum Diamond Diamond+ Diamond Elite Seven Stars
Special offers when gaming ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
Elite rewards credits ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
Turn Reward Credits into free play ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
Earn & use rewards for WSOP ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
Free hotel stays ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
Earn rewards ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
One free night for every 5,000 Tier Credits earned** ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
Gift points to friends – ✔️ ✔️ ✔️ ✔️ ✔️
15% off best rates – ✔️ ✔️ ✔️ ✔️ ✔️
No resort fees – ✔️ ✔️ ✔️ ✔️ ✔️
Two free nights at Caesars Palace Dubai* – ✔️ ✔️ ✔️ ✔️ ✔️
Guaranteed room within 72-hrs. – ✔️ ✔️ ✔️ ✔️ ✔️
Upgrade at check-in – – – – – ✔️
Early/late check-in/out – – – – – ✔️
Valet parking – ✔️ ✔️ ✔️ ✔️ ✔️
Priority lines* – – ✔️ ✔️ ✔️ ✔️
VIP Reservations Hotline – – ✔️ ✔️ ✔️ ✔️
VIP Laurel Lounge access – – ✔️ ✔️ ✔️ ✔️
$600 airfare credit to Las Vegas – – – – ✔️ ✔️
Companion Card – – – – – ✔️
Access to Signature Events – – – – – ✔️

*See terms

** Limit 2X per year

Tier Credits

Tier Credits are earned in several ways. First, you can earn Tier Credits through qualifying gameplay at Caesars Resorts locations.  You’ll earn one Tier Credit for every $5 you play on a reel slot machine and for every $10 you play on a video poker machine. Some machines, which are clearly marked, will have a lower earning rate for Tier Credits.

Those Tier Credit earning rates also apply to other categories as well. Earn Tier Credits based on the type of game and how long you play poker, table, and electronic table games at Caesars locations:

  • Table Games: Earn Tier Credits based on the type of game you are playing, your average bet, and how long you play for.
  • Electronic Table Games: Earn Tier Credits based on the type of game you play.

Finally, you’ll earn Tier Credits on other eligible transactions – including stays at Caesars resorts:

  • Hotel Reservation: Earn five Tier Credits for every $1 spent on room rates and resort fees paid to Caesars Entertainment.
  • Dining/Hospitality Spend: Earn one Tier Credit for every $1 spent at any participating restaurants, as well as other purchases at Caesars properties for hotel, shopping, and on any participating hotel accommodation like pool and spa.
  • Shopping: Earn one Tier Credit for every $1 spent at participating retail outlets on Caesars properties.

Caesars also offers elite status match with other loyalty programs. This tier status match feature is common with loyalty programs in the entertainment and resort industries, including MGM Rewards. 

What Are Caesars Points Worth?

Wondering what your points are worth? Here is how points in the Caesars Rewards program stack up with other loyalty programs:

Program Value (cents/point)
Best Western Rewards 0.6
Caesars Rewards 0.8
Choice Privileges 0.6
Drury Rewards 1
Hilton Honors 0.7
IHG One 0.6
Marriott Bonvoy 0.9
MGM Rewards 0.8
Radisson Rewards 0.4
Sonesta Travel Pass 0.5
VOILÀ Rewards 0.7
World of Hyatt 1.75
Wyndham Rewards 1.1

How to Redeem Rewards Credits

Caesars Rewards members can redeem the credits they’ve earned both from the loyalty program and using their Caesars Rewards Visa® Credit Card (if they have opened an account) in the following ways:

Gaming at Caesars casinos Stays at Caesars Resorts World Series of Poker (WSOP) buy in Dining at over 240 restaurants
Spa services Shopping online or at Caesars properties Show tickets Caesars events

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15 Essential Credit Card Terms You Should Know

by Cory Santos
learn-these-15-essential-credit-card-terms

Last updated on August 24th, 2023

Fully understanding all aspects of credit cards is the best way to protect yourself from making mistakes and incurring penalties. One of the easiest ways to improve your credit card knowledge is by brushing up on basic credit card terminology. Here are 15 credit card terms to help you boost your credit knowledge.

Credit Card Terms You Need to Know:

APR

APR, or annual percentage rate, is one of the most critical terms to understand when it comes to credit cards. The APR is the total yearly charge for carrying a balance on a credit card. The APR includes more than just the card’s interest rate; it also ties in fees and other charges.

Average Daily Balance

Average daily balance is one aspect of the APR. The average daily balance is how credit card issuers determine how much a borrower owes in interest. To calculate the average daily balance, add the balance from each day in a statement billing period, and divide by the total number of days in that period.

Grace Period

The grace period is the time from the closing of a credit card’s billing cycle to the due date of the minimum statement balance. The CARD Act of 2009 requires banks to provide a grace period of at least 21 days.

Minimum Payment

The minimum payment is the smallest amount a cardholder must pay on their credit card balance. Most lenders calculate a minimum payment as one percent of the current statement balance and interest and fees. Failure to pay the minimum payment due will result in late fees and negative credit score impacts.

Credit Score

A credit score is a three-digit number that allows lenders to gauge the creditworthiness of an applicant. The higher the credit score, the more reputable the borrower and the better their approval odds are. Credit scores are calculated by organizations such as FICO and VantageScore, and they are based on various factors like payment history and credit utilization.

Credit Utilization

Credit utilization is one of the most important factors in calculating a credit score. The credit utilization, or credit usage, refers to the amount of available credit a cardholder uses. Lenders like to see borrowers use 30% or less of credit being used.

Balance Transfer

A balance transfer is a process of moving one credit card balance to another card. Consumers use these transfers to take advantage of lower interest rates, which end up saving money. Many banks charge a fee for a balance transfer, typically around 5% of the amount migrated.

Cash Advance

Cash advances are transactions where a credit cardholder can receive a cash loan from their credit card. These advances are completed through ATM withdrawals or checks from the card issuer. Cash advance limits are typically lower than a user’s overall credit limit and come with additional fees and high interest rates. Interest from a cash advance accrues immediately – there is no grace period – making them costly.

Prime Rate

Also known as the prime interest rate, the Prime Rate is the interest rate at which money is borrowed commercially. The Federal Reserve sets the federal funds rate, which the Prime Rate is based on, and is tracked through the Wall Street Journal.

Annual Fee

Some credit cards come with a yearly charge for membership. These yearly charges are almost universally known as annual fees. The most common cards to feature an annual fee are rewards credit cards, which offer impressive perks and bonuses in exchange for a fee. Fees vary depending on the credit card, and they can be as low as $50 and range up to several hundreds of dollars.

Dispute

A credit dispute is the process of raising concerns about an unauthorized transaction on your credit card statement. Credit card charge disputes involve the card issuer and typically must occur within two billing cycles. Most payment networks offer zero fraud liability, protecting consumers from fraud.

Secured Card

A secured credit card is a type of credit card that requires a cash security deposit to open. Because secured cards require a refundable deposit, they are easier to receive than other types of cards for those with poor credit scores or no credit history.

Schumer Box

A Schumer Box is a common feature of credit card terms and conditions agreements. A standardized box, the Schumer Box shows all the important credit card terms and figures, including interest rates and fees. Schumer Boxes are named after Charles Schumer, the senator who was the spearhead for the federal Truth in Lending Act.

Cardmember Agreement

The full terms and conditions of a credit card that the applicant must agree to before a card is issued. Federal law requires lenders to provide this disclosure. It also serves as a legally binding contract between the card issuer and the cardholder, or lender.

Authorized User

Cardholders can add an authorized user to their credit card account. An authorized user is a person whom the cardholder grants account access to for purchases. Authorized users are not responsible for paying the balance due, however, even though they receive a credit card in their name.

Related Article: How to Understand Credit Card Terms and Conditions

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