Category Apartment Communities

You’ll no longer be able to use your companion certificate for Delta One – The Points Guy


You’ll no longer be able to use your companion certificate for Delta One



Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

American Express Business Platinum 150,000 Points Bonus (15k Spend)

The Offer

Many people are seeing an increased signup bonus on the American Express business Platinum card when using a incognito mode:

  • Get 150,000 Membership Rewards points after you spend $15,000 within 3 months of signup.

Card Details

  • Annual fee of $595 is not waived the first year
  • Card earns at the following rates:
    • 5x points per $1 spent on purchases made with airlines or hotels booked directly from AmericanExpress Travel website
    • 1.5x points on qualifying purchases of $5,000 or more
    • 1x points on all other purchases
  • $200 airline incidental credit per calendar year
  • Lounge access:
    • Centurion lounge access
    • International American Express lounge access
    • Delta SkyClub lounge access
    • Priority pass select membership
    • Airspace lounge access
  • Marriott Gold status
  • Hilton gold status
  • Fee Credit for Global Entry or TSA Pre✓
  • No foreign transaction fees
  • View these other hidden benefits
  • SoulCycle benefits
  • You can only get the sign up bonus on American Express cards once per lifetime.

Our Verdict

Better than the recent 130,000 point bonus. I suspect this won’t show up for everybody and it should show even if using a referral link but again won’t always show. Fantastic deal if you’ve never had the Business Platinum before (if you have you won’t get the sign up bonus). Will add this to the best credit card bonuses. As always you can read more about American Express cards here. There is also an increased offer of 90,000 on the business gold (possibly even higher).

Hat tip to TheTaxman_cometh

Source: doctorofcredit.com

3 Credit Cards That Help Music Fans See the Coolest Shows

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.]

Concerts let you experience your favorite musical artists with a community of like-minded fans in a live setting. Live music fanatics know the thrill of the concert experience, and they’re constantly watching to secure tickets for the best shows.

Whether you prefer bombastic arena events or intimate venues, you could benefit from a credit card that helps connect you with tickets. Some cards can help you hit shows from your favorite artists and earn rewards for everyday spending.

1. Citi ThankYou Preferred Card

Rewards: Two points per dollar spent on dining and entertainment, one point per dollar spent on everything else
Signup Bonus: 15,000 bonus points when you spend $1,000 in the first three months
Annual Fee: None
Annual Percentage Rate (APR): 0% for 15 months on purchases and balance transfers and then 15.24% – 25.24% (Variable) ongoing APR.
Why We Picked It: Dining and entertainment purchases earn double points, and cardholders get access to presale tickets and VIP concert packages.
Benefits: This card earns two points for every dollar spent on dining and entertainment, which includes live concerts, record store purchases and music streaming services. Other purchases earn one point per dollar. Points can be redeemed for dining, entertainment, retail goods and more. Plus, with Citi Private Pass, cardholders get access to tickets for thousands of annual events, including concert presales and VIP packages.
Drawbacks: If you tend to prefer cheaper shows and don’t dine out often, you won’t be taking full advantage of the double points. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

Rewards: 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide
Signup Bonus: Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
Annual Fee: $95
APR: 15.99% – 22.99% Variable
Why We Picked It: Cardholders can get presale tickets and exclusive access to many live music events in New York City.
Benefits: Cardholders earn double points for every dollar spent on dining and travel and one point per dollar spent on everything else. Points can be redeemed in many ways, but the greatest value is reserved for travel redemptions made through Chase’s booking platform. Chase Inside Access grants VIP access and presales to exclusive events at venues including Madison Square Garden, Radio City Music Hall and the Beacon Theater.
Drawbacks: When it comes to concerts, Chase is primarily focused on New York City venues, so if you aren’t an NYC local (or reasonably nearby) you may want to look elsewhere. The card’s greatest value is also reserved for frequent travelers.

Rewards: 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
Welcome Offer: Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months. (See rates and fees here.)
Annual Fee: $0
APR: 0% for 15 months on purchases then 13.99%-23.99% Variable
Why We Picked It: Card Members have exclusive access to tickets before the general public during a specific sales window – just use your card to pay for the purchase.
Benefits: Cardholders earn 2% Cash Back at U.S. gas stations and at select U.S. department stores. and 1% cash back on other purchases. American Express customers often get access to presale tickets and special events when buying tickets through the Membership Experiences website. Plus, points can easily be redeemed directly with Ticketmaster for ticket purchases.
Drawbacks: The card’s points system is only valuable to those who spend a lot on groceries.

How to Choose a Card for Live Music

Credit cards for music lovers should reward cardholders as they spend and grant special access to tickets and events.

When evaluating cards for your live music habit, look at the purchase types that earn the most rewards. You’ll want to choose a card that incentivizes the type of purchases you already make.

You’ll also want to look at the types of events and tickets your card can help you access before you take the plunge and apply. The events should reflect your live music preferences. If they don’t, you probably won’t get much use out of them.

One last thing to keep in mind is that most “exclusive” ticket programs are available through all or many of the credit cards offered by the issuer. If the main appeal is access to these programs, look at all available cards from the issuer. Chances are, they’ll have a card that fits your lifestyle.

What Is Required to Get a Card for Concerts?

Cards that provide live music rewards often require good to excellent credit. You should be aware of where your credit stands before you apply. A hard inquiry from a credit card application can cause your credit score to dip a few points. If you aren’t sure where your credit stands, you can check two of your credit scores for free at Credit.com.

Image: PeopleImages 

At publishing time, the Citi ThankYou Preferred Card and Amex EveryDay Card from American Express are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Source: credit.com

Why I’m keeping my Chase Sapphire Preferred card forever – The Points Guy


Why I’m keeping my Chase Sapphire Preferred card forever – The Points Guy


Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

4 reasons to get the new United Quest Card – The Points Guy


4 reasons to get the United Quest Card – The Points Guy


Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

GAP To Move Card Issuers From Synchrony To Barclays ($1 Billion)

WSJ is reporting that GAP will change credit card issuers for it’s private label and co-branded credit cards for brands such as Athleta, Banana Republic and Old Navy. The existing issuer is Synchrony and the new card issuer will be Barclays. Synchrony has previously held this relationship for approximately 22 years.

The changeover is expected to happen sometime around April 2022 when the existing contract ends and Synchrony is expected to earn $1 billion from the sale. As part of the sale Barclays has purchased the backbook meaning that existing cardholders will be brought over to Barclays in the sale.

Unfortunately it’s probably bad news for all of the spending offers we regularly see on these cards, as previously 80% of the card programs cost was incurred by GAP.

Hat tip to reader John L

Source: doctorofcredit.com

4 Credit Cards That Take the Bite out of Pricey Pet Bills

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Review featured cards from our partners below.

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Source: credit.com

Expert stacking: How I earned $80 in cash back and rewards from one dinner – The Points Guy


How I earned $80 in cash back and rewards from one dine out


Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

NorthOne Review: Business Checking With Plenty Of Perks

Businesses have no shortage of choices when it comes to online banking. In just minutes, you can set up an account on an online banking site and start transferring funds and making payments.

With NorthOne, you get plenty of business perks for one small monthly fee. In addition to unlimited funds transfers and payments, you can also manage your money and send invoices. Since everything is done using the mobile app, you can bank whether you’re sitting on your sofa or hanging out by the pool on a tropical island.

What is NorthOne?

Founded in 2017, NorthOne was designed as a mobile-only alternative to traditional online business banking. You’ll pay a monthly fee of $10, but that includes everything you need to invoice, pay bills, and manage your business’s money.

What sets NorthOne apart from others is its easy-to-use mobile interface. Everything is in one place, so you don’t have to worry about tracking down information when you need it. From the start, NorthOne’s goal has been to make banking easier for business owners so that they can focus on more important tasks, and that’s the very thing that makes NorthOne appealing.

How does NorthOne work?

NorthOne is only available via an app. You’ll see this as soon as you try to open an account on their website. You can research NorthOne here, but you’ll need to get your favorite mobile device out to sign up for an account and do all your business banking.

NorthOne Business Checking Account Review: Fee-Free Business Checking With Plenty Of Perks - Website sign-up

NorthOne Business Checking Account Review: Fee-Free Business Checking With Plenty Of Perks - Website sign-up

If you click the “Open an Account” button on the main page, the next page will direct you to sign up on your phone. You can download the NorthOne banking app on either your iPhone or Android Phone.

Once you’ve downloaded the NorthOne app to your phone, open it to get started setting up your account.

NorthOne Business Checking Account Review: Fee-Free Business Checking With Plenty Of Perks - Phone number

NorthOne Business Checking Account Review: Fee-Free Business Checking With Plenty Of Perks - Phone number

You’ll first need to input a phone number.

NorthOne Business Checking Account Review: Fee-Free Business Checking With Plenty Of Perks - Email

NorthOne Business Checking Account Review: Fee-Free Business Checking With Plenty Of Perks - Email

You’ll also have to provide your email address, inputting it twice to make sure you’ve entered it correctly. You’ll receive a request to confirm your email address in your inbox within seconds of providing it, but you can continue with the signup and confirm later.

NorthOne Business Checking Account Review: Fee-Free Business Checking With Plenty Of Perks - Password

NorthOne Business Checking Account Review: Fee-Free Business Checking With Plenty Of Perks - Password

Next, you’ll choose a complex password and enter it twice. The Continue button will remain grayed out until you’ve satisfied all the password requirements.

You’ll have to accept the terms of service to finalize the account setup.

You can either opt-in or out of account notifications.

As with many apps now, NorthOne lets you enable Face ID for an easier login with each visit.

NorthOne Business Checking Account Review: Fee-Free Business Checking With Plenty Of Perks -Verify

NorthOne Business Checking Account Review: Fee-Free Business Checking With Plenty Of Perks -Verify

The next step is the identity verification portion. You’ll need to gather your business and personal financial details, including your Social Security number and your business’s Employer Identification Number.

First, NorthOne gives you the chance to opt into push notifications so you’re alerted any time there’s activity on your account.

After this, you’ll provide the information necessary for NorthOne to run a credit check on you and your business. This check will not affect your credit score.

Pricing for NorthOne 

NorthOne keeps its pricing as transparent as possible. For $10 a month, you’ll get unlimited transactions, including debit card purchases and check deposits. One area where you may deal with fees, though, is in ATM transactions. Although NorthOne doesn’t charge fees on your activities, any third-party machines you use may charge a fee. NorthOne doesn’t reimburse those. You can get fee-free ATM transactions at any of the 300,000 ATMs that are in NorthOne’s network, though.

 Other fees include:

  • Domestic wire transfers: $10.
  • International wire transfers: $25.
  • Overdrafts: $5 per day.
  • ACH returns: $10.
  • Non-sufficient funds: $25.

Here’s a breakdown of some key information about banking with NorthOne.

  NorthOne
Fees $10 per month; $5 a day overdraft fee; $25 NSF fee
Minimum opening deposit $50
ATM fees $0 for in-network or out-of-network ATMs; third-party out-of-network ATM fees not reimbursed

NorthOne features

Businesses have plenty of options when it comes to banking. Here are a few reasons NorthOne is worth your consideration.

Convenient mobile app

With NorthOne, all your banking is done through the mobile app. This keeps everything in one place while also allowing you to do your banking on the go. You can also control your NorthOne cards from within the app, including locking one temporarily if you can’t find it.

You can also easily deposit checks without having to track down a bank. If you have cash to deposit, you can visit one of 300,000 ATMs located nationwide to get the funds out of your wallet and into your bank account.

Web bankingNorthOne Review - Mobile bankingNorthOne Review - Mobile banking

While NorthOne does offer a robust mobile app, they recognize that being able to bank from your desktop or laptop is still a key feature that users look for.

With NorthOne’s web banking feature, you can pay your bills in minutes, all from one place. You can also easily export your financial info into Quickbooks or Excel and jump between sub-accounts in a few clicks. You’ll also be able to see all your transactions right on your dashboard, so you can keep track of where your cash is going.

Chat or phone support

NorthOne offers one thing that many online banks don’t: live one-on-one support from a human representative. You can contact support between 8 am-1 am ET every day and get help with your account.

Live chat is available within the app, but you can also get help by email or schedule a phone call at a time that’s most convenient for you.

Save money with sub-accounts

One handy feature of NorthOne is the availability of sub-accounts. You can set up one of these accounts for the sole purpose of saving money, then create rules that automatically move money to them on a periodic basis.

Although you can use this feature for a wide range of tasks, I find it especially useful for putting money aside for paying taxes. This lets you separate the money you’re saving for taxes from the money you’re saving for other purposes, like future business growth or buying a new laptop.

Grant read-only access

Read-only access makes it easy to hand off duties to outside contractors or internal employees. For instance, you can set it up so that your accountant or bookkeeper can access your accounts and gather necessary information.

Transaction search

If you need to track down a specific transaction, NorthOne has you covered there, as well. You can search by name or use filters to pull out specific types of transactions. For example, you can use this to pull up all transactions for one card number. There’s no limit to how far back you can search.

NorthOne App integrations

For businesses, the biggest benefits of any app often come from integrations. You can greatly boost your productivity by choosing apps that work with the solutions you already use. NorthOne integrates with some of the most popular accounting and payment tools, including:

  • Expensify.
  • Freshbooks.
  • Quickbooks.
  • Wave.
  • Xero.
  • Amazon.
  • PayPal.
  • Shopify.
  • Stripe.

My experience researching NorthOne 

I had the opportunity to review the features of NorthOne extensively as an alternative to traditional online banking. And I have to say, I am convinced.

Let me go into a tad more detail about why NorthOne seems to have a good thing going here.

Live chat support is very helpful

One thing I really like is the support offered by NorthOne. I’m the type of person who prefers to do a live chat if that’s an option. It definitely beats waiting for a response to an email or dealing with long hold times for a phone operator. I love the fact that you can chat with a human operator in the app, versus the chatbots my own bank uses.

Payment integrations are great for small business owners

Another thing that stood out was NorthOne’s payment integrations. I can definitely see the benefits of being able to view the invoice numbers for the PayPal payments that go into my account. They do the same for your transactions with Amazon, Shopify, Stripe, and more.

Saving for taxes is super easy with NorthOne

The sub-accounts are also attractive to me as a freelancer. If you’re self-employed, you know it’s essential to set money aside each month for those taxes that are due each quarter. Sub-accounts let you handle this automatically, storing that money in one handy folder that you name.

Who is NorthOne best for?

Freelancers and small business owners

Small businesses can benefit from NorthOne’s many features, but it’s especially beneficial for independent contractors. With sub-accounts, you can easily save money for separate expenses, such as taxes, slow periods, or future equipment purchases.

But small businesses can also benefit from these features, not only for taxes, but for setting money aside to expand inventory, pay insurance, or attend an upcoming tradeshow or conference.

Mobile users

Since this app is solely on your phone, it’s best for those who like to stick to mobile banking. I do most of my banking on my laptop, so it wouldn’t work for me, although I do like to have a mobile app for when I’m away from my home office.

Businesses with contractors and employees

If you work with outside contractors, the ability to set up read-only access is beneficial. But you’ll also find this account convenient if you have employees. You can order debit cards for each employee and manage it all directly within the app.

Who shouldn’t use NorthOne?

Frequent cash users

You can use your NorthOne card at one of the 300,000 ATMs in its network to withdraw fee-free, and deposit cash at over 10,000 ATMs nationwide. If you go out of network, you may be charged fees for the transaction.

Those who don’t prefer mobile banking

A NorthOne account offers only one option for your banking experience: your mobile device. Those who like the option of banking on a desktop or laptop (or in-person) will be better off with another banking option. 

Source: moneyunder30.com

American Express: Three Months Of Yahoo Finance Plus For Free

The Offer

Direct link to offer

  • American Express is offering three months of Yahoo Finance Plus for free and 50% off the next three months

The Fine Print

  • This offer is available only to US American Express Card Members and for a limited-time only, ending 10/1/2021.
  • Trials are only available to new Yahoo Finance Plus Essential subscribers.
  • For the complimentary 3 Month Trial and 50% off the immediately following 3 Months to the Yahoo Finance Plus Essential subscription service, you will be charged 50% off the $35.00 plus tax monthly rate ($17.50 plus tax) for three Months after your complimentary 3 Month Trial ends.
  • You will be charged the full monthly amount of $35.00 plus tax after your first 6 Months and charges will continue monthly at the current rates unless you cancel your subscription.

Our Verdict

Make sure you cancel membership if you don’t want it long term as this enrolls you in auto billing. Probably not that useful.

View more Amex offers here & if you have any questions abut American Express offers then read this post.

Source: doctorofcredit.com