Hilton American Express Cards Limited-Time Offers – Up to 125,000 Hilton Points Each

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hiltonamex18

Hilton Hotels has two American Express consumer cards, a no annual fee and a $95 annual fee version (with more perks of course). There is also a business card version. Right now, all of them have a limited-time increase to their welcome offer, from 75,000 to 125,000 points. (Up from 50k and 100k.) Each person can only get one welcome offer, per card in your entire lifetime, so it’s best to apply during one of these temporary bump-ups. (You could get all three of these welcome offers separately, but only one per card per person per lifetime.)

What are 75,000 or 125,000 Hilton Honor points worth? The best value is from booking free hotel nights or using their “Points & Money” option where you pay with a combination of Hilton points and cash. Hilton has some really nice properties, but the value varies from hotel to hotel. I just ran a search and for the same 60,000 Hilton points, I could book rooms that cost $320 or $532 cash. I’ve seen some valuations around 0.6 cents per point, which I think is fair on average, but I would be more conservative at 0.5 cents a point. That would make 75,000 points = $375 value and 125,000 points = $625 value towards Hilton hotel stays.

The good part of Hilton points is that they have so many different hotel brands, from business-class DoubleTree to luxury Waldorf Astoria. Hilton also lets you transfer and pool points with other with other family or household members. As long as you keep them active (once every 12 months), I do like to keep some around. Here’s a tip on how to keep Hilton points active with $1 Amazon gift codes.

Hilton Honors Ascend Credit Card from American Express

  • 125,000 Hilton Honors bonus points after $2,000 in purchases within the first 3 months.
  • Earn a Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • 12X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 6X Hilton Honors points on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3X Hilton Honors points for all other eligible purchases.
  • Free upgrade to Hilton HHonors Gold status (free breakfast, room upgrades based on availability, 5th standard reward night free).
  • Spend $40,000 in a calendar year on this card and get HHonors Diamon status through the end of the next calendar year.
  • $95 annual fee.
  • Terms apply.

Hilton Honors Credit Card from American Express

  • 75,000 Hilton Honors bonus points after $1,000 in purchases within the first 3 months.
  • 7X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 5X Hilton Honors points on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3X Hilton Honors points for all other eligible purchases.
  • Free upgrade to Hilton HHonors Silver status (5th standard reward night free, 2 bottles of water in your room).
  • Spend $20,000 in a calendar year on this card and get HHonors Gold status through the end of the next calendar year.
  • No foreign transaction fees.
  • No annual fee.
  • Terms apply.

Hilton Honors American Express Business Card

  • 125,000 Hilton Honors bonus points after $3,000 in purchases within the first 3 months.
  • Earn a Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases in the same calendar year.
  • 12X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 6X Hilton Honors points on Select Business & Travel Purchases (ex. U.S. gas stations, U.S. restaurants, flights booked directly with airlines)
  • 3X Hilton Honors points for all other eligible purchases.
  • Free upgrade to Hilton HHonors Gold status (free breakfast, room upgrades based on availability, 5th standard reward night free).
  • 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • $95 annual fee.
  • Terms apply.

Bottom line. If you can use the points towards Hilton hotel stays, the best time to apply for a Hilton co-branded American Express card is during a limited-time increase to their welcome offers. This is because American Express has changed their policy to only allow each person to get a welcome bonus once per card per lifetime.

“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.”

Chase Ink Business Preferred Card Review: 80,000 Point Bonus worth $1,000 Towards Travel

“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone.”

inkpreferred2018Updated. Business credit cards can be used by self-employed or side-gig workers with eBay, Amazon, Etsy, Uber/Lyft, Adsense or other 1099 income that make you a sole proprietorship. The Ink Business Preferred Card is now offering a 80,000 point bonus for new cardholders, worth an even $1,000 towards travel when redeemed through Chase. This is their premium travel card with 3X points on travel purchases and the ability to transfer points to airline miles or redeem at a 25% premium through their travel portal. Here are the details:

  • 80,000 bonus points after you spend $5,000 on purchases in the first 3 months. That’s worth $1,000 toward any airfare or hotels booked through the Chase Ultimate Rewards portal (works like Expedia or Travelocity).
  • 3X points per $1 on the first $150,000 spent on travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines.
  • 1X point per $1 on all other purchases with no limit.
  • Ability to transfer points directly to airline mile partners.
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards.
  • No foreign transaction fees.
  • Free additional cards for employees.
  • Primary rental car coverage when renting for business purposes.
  • $95 annual fee.

Ultimate Rewards points. This card offers a 25% bonus on travel bookings made through the Ultimate Rewards travel website. 80,000 Ultimate Rewards = $1,000 in travel. Similar to Expedia or Travelocity, you can book flights on most major airlines, hotel chains, and car rental companies. This makes it much more flexible to spend your points. You can even buy something more expensive and pay the difference.

If you have other Chase cards that earn Ultimate Rewards points like the Ink Business Cash or Ink Business Unlimited, you can transfer points into this card account and take advantage of the 25% premium. However, if you happen to have the Chase Sapphire Reserve card, you could transfer your points over to that card and grab the better 50% premium.

You could think of this card as the small business version of the Chase Sapphire Preferred card.

Prefer airline and/or hotel points? This card also allows you to transfer Ultimate Rewards points into hotel and/or airline miles. Transfer to United Airlines, British Airways, Singapore Airlines, Korean Air, Southwest, Hyatt Hotels, IHG Hotels, and Marriott Hotels at a ratio of 1 Ultimate Rewards point = 1 mile/hotel point. Miles redemption continue to offer great value for savvy travelers, especially for last-minute travel and business class seats.

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, Uber/Lyft drivers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

Note that Chase has an unofficial rule that they will most likely deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.

The good news is that small business cards from Chase hardly ever show up on personal credit reports, so getting this card in itself won’t affect your future 5/24 eligibility. This it makes a “free” application if you are already eligible.

Bottom line. The Chase Ink Business Preferred Card has a huge 80,000 point sign-up bonus worth a cool $1,000 towards travel, along with premium travel features included with the $95 annual fee. You can transfer Ultimate Rewards points from other Chase cards to increase your value. If you’d rather have a more simple cash-focused rewards structure and no annual fee, be sure to compare with the Ink Business Unlimited and Ink Business Cash.

“Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.”

Chase Ink Business Unlimited Card Review: $500 Cash Bonus, 1.5% Flat Cash Back, No Annual Fee

“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone.”

inkunlimited2018Chase has freshened up their line-up of small business credit cards. The new Ink Business Unlimited Card is offering a $500 cash bonus for new cardholders and the simplicity of a flat, unlimited 1.5% cash back on all purchases. Here are the details:

  • $500 bonus cash back after you spend $3,000 on purchases in the first 3 months.
  • Unlimited, flat 1.5% cash back on all purchases with no limit. Simple.
  • 0% introductory APR for 12 months on purchases and balance transfers.
  • Free additional cards for employees.
  • No annual fee.

Ultimate Rewards points. The cash sign-up bonus actually comes in the form of Ultimate Rewards points at 1 point = 1 cent in cash. 50,000 points = $500 cash. If you have one of the other annual fee cards that offer a boost in value like the Ink Business Preferred, Sapphire Preferred, or Sapphire Reserve, you can transfer your points between Ultimate Rewards accounts and redeem using that other card’s 25% travel bonus. This can increase the value of your points.

You could think of this card as the small business version of the Chase Freedom Unlimited card.

Prefer airline and/or hotel points? You can’t transfer points to miles directly with this card, but if you transfer over your Ultimate Rewards points to the Chase Sapphire Preferred Card (or Ink Business Preferred card), then you can use that card to transfer into hotel and/or airline miles. If you value those miles/points at more than 1 cent per point, then your 1.5X rewards from this card can be significantly higher. Examples:

– You could earn 1.5 United miles per dollar spent.
– You could earn 1.5 Hyatt points per dollar spent.
– You could earn 1.5 British Airways Avios per dollar spent.
– You could earn 1.5 Southwest Rapid Rewards points per dollar spent.

For example, if you placed a perceived value of 1.5 cents on each United mile or Southwest Rapid Rewards point, then you’d receive 2.25 cents of perceived value per dollar spent with this card. Your actual numbers will depend on your own specific redemption choices.

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

Note that Chase has an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.

Bottom line. This Chase small business card has a large sign-up bonus and flat 1.5% cash back with no annual fee. This card is best for people who want simple and straightforward rewards. If you have certain other Chase credit cards, you can transfer Ultimate Rewards points over to those cards and increase your value. Be sure to compare with other Chase small business cards – Ink Business Preferred and Ink Business Cash.

Chase Ink Business Cash Card Review: $500 Cash Bonus, 5% Back Categories, No Annual Fee

“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone.”

inkcash2018Chase has freshened up their line-up of small business credit cards. The Ink Business Cash Card is offering a $500 cash bonus for new cardholders, along with 5% cash back and 2% cash back on select small business categories. Here are the details:

  • $500 cash bonus after you spend $3,000 on purchases in the first 3 months.
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • 1% cash back on all other card purchases with no limit to the amount you can earn.
  • 0% introductory APR for 12 months on purchases and balance transfers.
  • Free additional cards for employees.
  • No annual fee.

Ultimate Rewards points. The cash sign-up bonus actually comes in the form of Ultimate Rewards points at 1 point = 1 cent in cash. 50,000 points = $500 cash. If you have one of the other annual fee cards that offer a boost in value like the Ink Business Preferred, Sapphire Preferred, or Sapphire Reserve, you can transfer your points between Ultimate Rewards accounts and redeem using that other card’s 25% travel bonus. This can increase the value of your points.

You could think of this card as the small business version of the Chase Freedom card.

Leveraging the 5% back bonus categories. Putting all of your small business cell phone, landline, and internet bills on the card and getting 5% back is pretty handy. For example, even just $200 a month x 12 months x 5% back is $120 back a year without changing your spending habits. Now let’s take the office supply store category and the fact that you can buy gifts cards to Amazon.com and other retailers at such office supply stores like Staples and OfficeMax… now you can effectively discount many of your other purchasing needs by 5% as well. Putting those purchases on such gift cards upfront can also help you meet the spending requirement for the bonus.

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

Note that Chase has an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.

Bottom line. This Chase small business card has a large sign-up bonus and ongoing features of 5X/2X categories with no annual fee. This card is best if you have significant expenses in the special 5% and 2% categories above. If you have certain other Chase credit cards, you can transfer Ultimate Rewards points over to those cards and increase your value. Be sure to compare with other Chase small business cards – Ink Business Preferred and Ink Business Unlimited.

PSA: Cuisinart Recalls 8 Million Food Processor Blades

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bladerecallIn case you missed it during the holiday rush, Cuisinart has issued a recall of over 8 million food processor blades in the US and Canada. This covers a huge chunk of their machines sold in the last 20 years, including the one in my kitchen. The riveted blades can crack over time and leave small metal pieces in your food (yikes!).

This recall involves the riveted blades in Cuisinart food processors with model numbers that begin with the following: CFP-9, CFP-11, DFP-7, DFP-11, DFP-14, DLC-5, DLC-7, DLC-8, DLC-10, DLC-XP, DLC-2007, DLC-2009, DLC-2011, DLC-2014, DLC-3011, DLC-3014, EV-7, EV-10, EV-11, EV-14, KFP-7 and MP-14. The model number is located on the bottom of the food processor. The blades have four rivets and are silver-colored stainless steel and have a beige plastic center hub. Only food processors with four rivets in the blades are included in this recall. Cuisinart is printed on the front and on the bottom of the food processors.

Cuisinart will send you a free replacement blade if you them through their website at recall.cuisinart.com or call them at 877-339-2534 from 7am to 11pm ET Monday through Friday and from 9am to 5pm ET Saturday and Sunday. They have not offered anything further such as partial refunds or reimbursements.

I submitted my information online and received a confirmation e-mail. They were very vague with how long it would take to send the new blades.

Thank you so much for registering to receive your free Cuisinart replacement blade. Our blades are fabricated using precise manufacturing processes, which of course means, that they take some time to produce. We are producing new blades as rapidly as possible to meet the demand resulting from this replacement program.

When your blade is about to be shipped, we will send you an email so you can anticipate when it will arrive to the address you indicated on your replacement blade registration. In the meantime, you are able to use all other cutting implements and accessories that may have come with your Cuisinart food processor.

Berkshire Hathaway Official Reading List 2015: Approved Books by Buffett and Munger

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tapdaceAmong the many booths at Berkshire Hathaway’s 2015 Annual Meeting was one run by a local bookstore. Each year, BRK approves a list of books, many of which have been mentioned in shareholder letters or other speeches by Warren Buffett and/or Charlie Munger. I always see media articles referring to this list (ex. 11 Picks from Warren Buffett’s Bookshelf), but here is the entire official list from The Bookworm.

“I insist on a lot of time being spent, almost every day, to just sit and think. That is very uncommon in American business. I read and think. So I do more reading and thinking, and make less impulse decisions than most people in business. I do it because I like this kind of life.” – Warren Buffett

Besides the well-known Buffett biographies and classic investing books, it still manages to include several investing books I’d never heard of before, as well as some intriguing non-investing books by Buffett’s siblings and children. There is even a comic book and a separate section for kids. Here’s the Amazon-linkified list, sorted by category in alphabetical order.

About Warren Buffett

About Charlie Munger

On Investing

General Interest

Family and Children’s Interests

Big Picture Financial Advice from Jonathan Clements

“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone.”

clementsbookHere is some “big picture” financial advice from author and columnist Jonathan Clements. I’d like to collect enough of these tips from notable people and make a compilation post.

Clements recently wrote his last column “How to Live a Happier Financial Life” for the Wall Street Journal Sunday (which is ending publication), but he’ll still be writing for the main Wall Street Journal (on Saturdays). I’ll just paraphrase the bullet points below; read the full article for the details.

  • The biggest waste of time is commuting.
  • The best investment attribute to have is humility.
  • The biggest key to financial success is cheap housing.
  • The best way to spend money is to buy experiences.
  • Your top financial goal should be to have the ability to do fulfilling work, as opposed to working solely for a paycheck.

I guess he’s a sentimental guy because he also wrote a “last column” called “Parting Shot: What I Learned From Writing 1,008 Columns” in 2008 when he left the Wall Street Journal to join Citigroup (before coming back). Highlights below; read full article for details.

The question – What is the reason for all this saving and investing?

  • If you have money, you’ll worry less about it.
  • Money can give you the freedom to pursue your passions.
  • Money can buy you time with friends and family.

I checked and both articles weren’t behind a paywall at the time of writing, but that may change in the future.

Season’s Greetings!

“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone.”

fam2014a

Thank you very much for reading qara.info this year. It’s now been over 10 years… where has the time gone! I still look forward to learning and sharing something new every day. Here’s hoping that you are happy, healthy, and moving ever closer toward your goals.

Remember that you can follow updates via RSS feed, daily e-mail subscription, following me on Twitter, or liking my Facebook page.

New Site Design

“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone.”

Just a quick note that I finally updated this site’s design after many, many years. The primary goal of this redesign was to improve usability and readability across modern computer screens, which now span from 30″ widescreen monsters to 3.5″ smartphones. I’m also trying to improve navigation so that readers can easily find the more timeless posts amidst the many other time-sensitive posts. I still have a lot of work to do by going through my archives and cleaning things up.

Please let me know if anything is broken or just what you think of it. Thanks!

MyMoneyBlog.com Interview with Mint

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Money management website Mint.com recently did a brief interview with me, although we did cover a variety of topics. Here’s the link:

Personal Finance Interview with Jonathan Ping on Money Management

Sick Leave

“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone.”

I’ve been getting my butt kicked by a bout of food poisoning, so posting will be light this week. Fever, chills, sweats, and I haven’t been able to keep down any solid food in over 48 hours. Blech.

What Does 200 Calories Cost? A Visual Guide (Economics of Obesity)

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WiseGeek has an interesting article on What Does 200 Calories Look Like?, where it photographs the portions of several foods that equal 200 calories and sorts them by weight. Here’s broccoli next to peanut butter on the same plate:

200 Calories Of Broccoli and Peanut Butter: WiseGeek.com

I thought it would be neat to extend this idea and see what 200 calories costs. So I extended my usual grocery trip by finding out the price per weight for each of the food items they selected. The results are below, grouped by price per 200 calories. Image credits go to WiseGeek.com. Please go there for the full versions, these are just thumbnails for reference.

Cost of 200 Calories: Less than 50 cents
image credit: wisegeek.com
Canola Oil
$0.07
image credit: wisegeek.com
Wheat flour
$0.07
image credit: wisegeek.com
Brown Sugar
$0.10
image credit: wisegeek.com
Peanut Butter
$0.17
image credit: wisegeek.com
Cornmeal
$0.20
image credit: wisegeek.com
Uncooked Pasta
$0.21
image credit: wisegeek.com
Glazed Donut
$0.23
image credit: wisegeek.com
Butter
$0.24
image credit: wisegeek.com
Salted Pretzels
$0.24
image credit: wisegeek.com
Wheat Dinner Rolls
$0.23
image credit: wisegeek.com
French Sandwich Roll
$0.24
image credit: wisegeek.com
Smarties Candy
$0.24

[Read more…]