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PDF Editor FAQ

What is a good credit card for people who travel abroad frequently?

I do travel guides that are fun, informative, entertaining and if you like to travel for free,well you’re in the right place because i will be counting down my ten favorite credit cards to use for travel. To redeem for free travel, free awards.The cards that will be on this list will be on this list for one of three reasons or maybe three of three reasons. It depends on the card, but the first one could be that it earned a really good sign-up bonus. The second one is that it can earn really good points or miles per spend and the third is that there could be some really great ongoing benefits for having the card.10 Citibank Citi Costco Card- This card is a cash back card,it earns a percentage cash back saved based upon how much you spend. This card is on the list because of the earn per spend. you get 4% cash back on gas, 3% cash back on travel, 2% cash back on Costco and 1% cash back on anything else. There’s no annual fee, there’s no sign up bonus but if you’re doing a lot of spend on Costco, travel and gas this card could be pretty good for you because you don’t have to worry about miles and points and where you can redeem it and where you can’t. Citibank also offers a Sam’s club version of the same card.9 Fidelity Cash Back Card- This is another cash back card. it’s pretty simple it earn 2% cash back on everything everywhere. No categories, no dates, not time, and no gimmick. Just 2% cash back on everything that you buy. i mention this one because i think it’s the simplest. There’s a bunch of other 2% type cash back cards. You could take a look around and see which one you would like.These are the only two cash back cards i have on this list. All the other cards that i’m gonna talk about on this list earns some form of travel currency, being it membership rewards, ultimate rewards, United miles, Marriott Points, things like that.8 American Express Gold Card- This is a new Gold Card and so i will start with the sign-up bonus. it has a pretty good one. You can earn 25,000 membership reward points by spending $2000 in the first three months plus they have another bonus where if you spend at restaurants, you’ll get 20% of your spend at restaurants in the first three months of card ownership up to $100 of the statement credit. Some perks for just having the card, it comes with $100 airline credit. You pick your airline at the beginning of the year, say like American Airlines, Southwest and then if you buy incidental things like baggage fees, seat upgrades.. it will credit $100 back to your card for those purchases. The American Express Gold Card also includes $120 dining credit that is given to you $10 per month that can be used at certain restaurants like Ruth’s Chris, Shake Shack, Cheesecake Factory or Gruhub. Basically you buy something from one of those restaurants and up to $10 per month is credited back to your statement. From an earning perspective based on dollar spent, this card is best at restaurants, supermarkets, and travel.7 Chase World of Hyatt Credit Card - This card has lots of great perks. Let’t start with the bonus. its a tiered bonus, you can earn up to 60,000 world of Hyatt Points, 40,000 world of Hyatt points after spending $3000 in the first three months and then if you spend $6000 in the first six months, you can get another $20,000 world of Hyatt points.This card also has some pretty good ongoing benefits of having the card if you stay at Hyatt Hotels. The first one a lot of hotel credit cards are rolling out is a free night at Hyatt Hotel every year that you have the card and if you spend $15,000 or more on the card each year, then you actually get another free night at Hyatt hotels, so that’s a pretty good benefit of having the card and putting a little bit of spend on it. Also it comes with five elite nights that counts to your Hyatt status and you get two more Elite nights to your Hyatt status per every $5000 that you spend on the card and by just having the card, you get a little bit of elite status in Hyatt. it comes with Hyatt discovery status which is the basic status at Hyatt. The earn on this card, you can get four points on every dollar you spend at Hyatt hotels. you get two points in kind of a bunch of odd categories like restaurants, cafes, airline tickets, fitness clubs, gym membership and then 1$ on anything else. The annual on this card is $95 every year. That’s a pretty low annual fee for all those benefits particularly if you’re regular at Hyatt Hotels which is one of my favorite chains to redeem points for.6 CapitalOne Spark Miles for Business Card- This is a new card. Was just released at the end of 2018. It is a business card, so you have to own a business, be part of a business to own this card, but why is it interesting? Well, because it potentially offers a 20,000 point sign up for getting the card and meeting the minimum spend. Now, the signup bonus is another one of this two tiered signup bonuses. You get 50,000 points if you spend $5000 in three months and then you’ll get another 150,000 points if you spend $50,000 over six months. If you have a lot of spend that you can put on the credit card, well then that will be worth about $2000. That’s what those points will be worth for if you redeem them for flights. Now this earns the CapitalOne’s currency which transfers two CapitalOne point to 1.5miles in a variety of different programs which include 11 different airlines. None of the big US carriers but there is a carrier in StarAlliance, OneWorld, and SkyTeam. So you could transfer there to book which most of your favorite airline carriers. Then, from an earn perspective, this card earns two points for every dollar that you spend. No categories, none of that stuff. The annual fee is $0 the first year you have the card and then $95 every year after.5 Chase Ink Business Preferred- This is another business card. This is with Chase. It earns point in my favorite travel currency, Chase Ultimate Rewards Points. We’ll talk more about chase ultimate reward points later when i get to number one and two cards but Chase Ultimate Rewards transfer to what i consider to be the most widest variety of partners including Hyatt Hotels, United Airlines, at least the places that i like to go and the things that i like to travel a lot in so i find Ultimate Rewards to be the most flexible and valuable currency. The Chase Ink Business Preferred Card earns a pretty good sign up bonus. 80,000 if you spend $5000 in the first three months. From an earn perspective, it earns three points per dollar spent on travel, internet, phone, and an interesting category: social media advertising. There really aren’t any ongoing bonuses for having this card and the annual fee is 95$. So you need to have a business to apply for this card but you know what, if you have a blog or YouTube channel or anything that earns a bit of revenue, well you might consider a business for when you apply for this card4 Citi Business AA Advantage Platinum Select world MasterCard- Wow, that is a mouthful. American airlines and Citibank have a ton of different American Airlines cards so it’s this particular one. It’s also new for this year. It has quite a generous sign-up bonus. It has 70,000 American Airlines miles after spending$4000 within the first four months of account opening. Some of the benefits for this card include a free check bag if you are flying on American airline and a free companion ticket if you spend more than $30,000. It also comes with no foreign transaction fees and by the way, most of the cards on this list that have an annual fee come with no foreign transaction fees so i am actually not mentioning it on every card because it it’s usually a common benefit. if you travel a lot and don’t have at least one card with no foreign transaction fees, you should make sure that you have at least one in your wallet for when you travel internationally. You earn two miles per dollars spent on American Airline, telecommunications, cable and satellite providers, rental card and gas stations. The annual fee is $99. it’s waived the first year you have the card3 Platinum Card by American Express- This card comes in a lot of different variants, it comes in a lot of different countries, so if you’re not a US reader like you’re in Canada, Uk, Australia, chances are you can still get this card though the benefits might be a little bit different in your country, the reason you get this card is for the benefits. The benefits are really good but it also has a pretty good signup bonus. The signup bonus is 60,000 membership reward points after spending $5000 in the first three months. Membership reward points transfer to 17 different transfer partners. I talked earlier about this of the value of having a flexible currency. It’s one thing to have points in United or American Airlines and you have to fly with that airline or that alliance, but it’s so much better if you have your travel currency or your points in something that transfers to a lot of different partners so when you’re going to some places like Fiji, you can find that you can transfer points into the alliance that you want to redeem flights for. With earn perspective, the platinum card earns 5X points on air travels and prepaid hotels booked through American Express’s website. One point on everything else. The benefits are really amazing, starts with a $200 airline credit, similar to the American Express Gold Card that i mentioned earlier. The way this works, you pick your airline, Southwest, American, United, whatever, and then your incidental expenses get credited back via American Express up to $200 per calendar year. It also comes with credit for Uber. it’s a $200 annual credit for Uber and that’s parceled out per month. So, you get $15 per month to basically use on Uber rides for free. You have to use it or lose it but you can also use it on UberEats if you’re not a big Uber rider. it comes with a Global Entry Credit $100 that you could use for Global Entry Membership or TSA Pre-check. Another benefit that they added is $100 annual credits with SAKS Fifth Avenue. You can buy free stuffs on SAKS Fifth Avenue on their website or on their stores. The annual fee is $550, but if you take a look at the Uber credit, the travel credit, the earn, the lounge credit, it can be really worth it and American Express purchase protection is amazing. My wife OBgirl accidentally dropped her iPhone after having for just a few weeks and we submitted a claim and American Express credited us back the entire purchase price for the iPhone so we can buy a new one after we broke that one.2 Chase Sapphire Preferred Card- This is number two, but it is kind of tied with number one. Both these cards kind of go together. it depends how much you spend on a card but i consider the Chase Sapphire Preferred Card to be the best all around card if you’re just getting started in this whole game of points and miles for travel and if you’re gonna get one card don’t spend a lot yet, this is probably the one card you should get. It has all around a good signup bonus, all around good spend and all around pretty good benefits with not too high of an annual fee. So, let’s first talk about the signup bonus. You get 50,000 Rewards Points for spending $4000 in the first three months of card ownership and if you add an authorized user, you can get another $5000 Ultimate Rewards Points. The annual fee is waived on this card for the first year. it’s $95 every year after. The earning you earn to points per dollar on travels and restaurants, one point everywhere else. Now, this is earned in the Ultimate Rewards currency that transfers to a lot of great travel partners including Hyatt Hotels, one of my favorite hotels, which is not a transfer partner for American Express that i mentioned above.1 Chase Sapphire Reserve- This is a card they’ve introduced recently in the last two years. This is Chase’s premium card it does have a pretty higher annual fee but it can earn more points and if you spend a lot, then you can earn even more on this card. But is should mention that you can only have one of this Chase Sapphire cards, you can’t hold them both currently. If you currently have both, you can but Chase is not allowing you to sign up for one and the other. You can switch between the two products, but you can’t get both as a new card holders. The Chase Sapphire Reserve has a similar signup bonus to the previous one. 50,000 Ultimate Rewards points for spends in the first three months of cards ownership. Now, this one differentiates itself, the annual fee is higher. It’s $450 every year, but it comes with a $300 travel credit and they are very generous with the categories they consider travel. There’s a lot of different things they consider travel and it’s much like that American Express credit i talked about. Basically you busy something they consider travel and they rebate it right back to you. It also comes with a $100 Global Entry or TSA Pre-check credit, pretty similar to some other cards i mentioned before and it comes with that same priority pass membership that i talked about in American Express except the Chase version has unlimited guests so if you have a big family, you can bring them all into the lounge with you as you go in. The other big differentiation between this card and the preferred card is the earn. The preferred card earns 2X points on travels and restaurants, this card earns 3X points on travels and restaurants. So three points for every dollar spend. so if you spend more than $12,000 a year on travel and restaurants being a really broad area, then you will definitely make your money back on the Chase Sapphire Reserve Card.There are a few of other cards that are like these that are rotating category cards, Chase Freedom is an example of it that earns like 5X points in certain categories. Those can be pretty good but they’re usually limited circumstances so i didn’t include any of those rotating categories in this list.Finally if you’re struggling with these increase, the minimum spend on this card is huge, well i have a tip for you. it’s basically a website that that allows you to use your credit card to pay for things that ordinarily you couldn’t use a credit card for. So, for example, you have a mortgage, you have a Home Owner’s Associate, you have utility bills that only accept like a check for payment, well you can contact me via the mail in my Bio on how to go about it. All you have to do is give them(the Agency) your credit card and they will send them a check, it’s a great way to meet your minimum spend with those bills that you already pay. You will get $500 fee free dollars for using it, i will get a few fee-free dollars for referring you which i will definitely appreciate.I hope you enjoyed reading my writing, you might as well follow and contact me via the mail in my bio for business purposes only!!!

Can someone provide me with a Marriott MMF Authorization Form (Friends)?

Sorry, but I doubt you will get anyone to meet your request.A Marriott employee who gives a MMF Authorization Form to someone is responsible for the actions of the friend or relative while they are using the form. Their job is actually on the line. To give out a form to a stranger is taking a huge risk, and also goes against the spirit in which this enormous employee benefit is given.Better to get a Marriott credit card and start racking up those points. I haven’t been a Marriott employee for several years, but I still love and use those points!

Does a hotel charge you if you take a towel? Do they keep count of how many you ask for?

Yes, Marriott, Hilton, and Hyatt will. Some of the others more likely will.Some hotels take inventory of the towels they give you. Some even have bar codes to keep track of them.I have been charged for taking a towel before. It wasn’t much. I think they took in account that it was used. However, that is why they require a credit card and per-authorize it. If they allow you to pay cash that is also why they make you put down a big cash deposit.

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