{"id":2218,"date":"2020-11-13T12:26:17","date_gmt":"2020-11-13T17:26:17","guid":{"rendered":"https:\/\/smartlivingscientist.com\/?page_id=2218"},"modified":"2020-11-17T22:55:46","modified_gmt":"2020-11-18T03:55:46","slug":"my-credit-cards","status":"publish","type":"page","link":"https:\/\/smartlivingscientist.com\/my-credit-cards\/","title":{"rendered":"My Credit Cards"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2218\" class=\"elementor elementor-2218\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-36efffef elementor-section-height-min-height elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"36efffef\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ce5c536\" data-id=\"2ce5c536\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51521f78 elementor-widget elementor-widget-heading\" data-id=\"51521f78\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">My Credit Cards<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e2e35f elementor-widget elementor-widget-text-editor\" data-id=\"8e2e35f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Here are all of the credit cards in my wallet and the exact strategy I use to maximize the reward points\/miles I receive from making everyday purchases.\u00a0<\/p><p>I currently have 11 credit cards with plans to open more in the near future.<\/p><p><u><b>Please note:<\/b> <\/u>This page contains my personal credit card referral links (denoted by flask icon). I will receive a referral bonus if you sign up through these links. You do not have to use these links but I really appreciate it if you do.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3fe02e3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3fe02e3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ed9a3ad\" data-id=\"ed9a3ad\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0487bba elementor-widget elementor-widget-text-editor\" data-id=\"0487bba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><em><span style=\"text-decoration: underline;\">Disclaimer<\/span>: The information here is collected independently by the Smart Living Scientist. All of the card details on this page have not been reviewed or provided by the issuer.<\/em><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ba3ead9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ba3ead9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3b85048\" data-id=\"3b85048\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f5badee elementor-widget elementor-widget-heading\" data-id=\"f5badee\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Credit Cards In My Wallet<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2aff1b4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2aff1b4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1223bf4\" data-id=\"1223bf4\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db31d31 elementor-widget elementor-widget-heading\" data-id=\"db31d31\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">My three American Express credit cards<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f54fb46 elementor-widget elementor-widget-text-editor\" data-id=\"f54fb46\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>American Express credit cards are one of the best cards out there and their Membership Reward Points program is one of the most valuable loyalty programs. Their cards offer some of the highest rewards for bonus category spending (dining, grocery, travel, etc.) out there and some of the best perks and offers.<\/p><p>One thing Amex does better than the major other credit card issuers like Chase is their generous Amex Offers and selection of transfer partners.<\/p><p>See this post for my overall American Express credit card strategy (coming soon).<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6bf3529 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6bf3529\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-511b196\" data-id=\"511b196\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56e5f75 premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"56e5f75\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">Primary Card For Dining and Grocery Purchases <\/span><span class=\"premium-dual-header-second-header  gradient\">American Express Gold<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-17b00c1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"17b00c1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4ee9b26\" data-id=\"4ee9b26\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3457f24 elementor-widget elementor-widget-image\" data-id=\"3457f24\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"480\" height=\"304\" src=\"https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Amex-Gold-Card-Image.png?fit=480%2C304&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"American Express Gold Card\" srcset=\"https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Amex-Gold-Card-Image.png?w=480&amp;ssl=1 480w, https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Amex-Gold-Card-Image.png?resize=300%2C190&amp;ssl=1 300w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e07dca elementor-widget elementor-widget-text-editor\" data-id=\"0e07dca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong>Annual Fee:<\/strong><\/span> $250<br \/><span style=\"text-decoration: underline;\"><strong>Annual Airline Fee Credit:<\/strong><\/span> $100<br \/><span style=\"text-decoration: underline;\"><strong>Annual Dining Credit:<\/strong><\/span> $120<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-102310e elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"102310e\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"5\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">5\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-376d432 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"376d432\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"http:\/\/refer.amex.us\/FREDELKoOA?XLINK=MYCP\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-md elementor-animation-float\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-flask\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Here<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3b7eb9 elementor-widget elementor-widget-text-editor\" data-id=\"e3b7eb9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Recommended Credit Score: 670+<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5aaf1a0\" data-id=\"5aaf1a0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ffe8e6c elementor-widget elementor-widget-heading\" data-id=\"ffe8e6c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-600f8ae elementor-widget elementor-widget-text-editor\" data-id=\"600f8ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer:<\/strong><\/span> Earn 60,000 Membership Rewards Points (worth $600 or more) after spending $4,000 on purchases in the first 6 months.<\/li><li>Earn 4x Membership Rewards Points on <span style=\"text-decoration: underline;\">restaurants worldwide, including takeout and delivery<\/span>.<\/li><li>Earn 4x Membership Rewards Points on <span style=\"text-decoration: underline;\">groceries at U.S. supermarkets<\/span> (on up to $25,000 per calendar year, then 1x).<\/li><li>Earn 3x Membership Rewards Points on <span style=\"text-decoration: underline;\">flights booked directly with airlines or on amextravel.com<\/span>.<\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-394d3a4 elementor-widget elementor-widget-text-editor\" data-id=\"394d3a4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong><span style=\"text-decoration: underline;\">My Lifetime Savings:<\/span> $220<\/strong><\/p><p>Read my full review of the Gold card here (coming soon)<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8c7e946 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8c7e946\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d5857bf\" data-id=\"d5857bf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-804fbcd elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"804fbcd\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-804fbcd\" data-accordion-id=\"804fbcd\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1341\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-1341\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1341\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><strong><span style=\"text-decoration: underline;\">$100 Airline Fee Credit<\/span><\/strong> - This can be applied <span class=\"\">toward incidental air travel fees, such as baggage fees, seat changes fees or inflight meals and drinks at one selected qualifying airline. You can choose or change your airline of choice via <\/span><span class=\"\">American Express's website<\/span><span class=\"\"> in January once each year. (Amex is replacing this with $120 Uber Cash in Jan 2022).<\/span><\/li><li><span style=\"text-decoration: underline;\"><strong>$120 Dining Credit<\/strong><\/span> - $10 monthly credits applied to purchases made at <span style=\"text-decoration: underline;\">Grubhub, Seamless, The Cheesecake Factory, Ruth Chris's Steak House, Boxed and certain Shake Shack locations<\/span>. These monthly credits do not roll over month to month so use them or lose them.<\/li><li><span style=\"text-decoration: underline;\"><strong>$120 Uber Cash *NEW*<\/strong><\/span> - Starting early in January 2021, Amex Gold card holders receive $10 Uber Cash each month for a total of $120. Can be used for Uber rides in the U.S. or Uber Eats orders.<\/li><li><strong><span style=\"text-decoration: underline;\">12-Month Complimentary Uber Eats Pass Membership<\/span><\/strong> <span style=\"text-decoration: underline;\"><strong>*NEW*<\/strong><\/span> - Complimentary Uber Eats Pass Membership for up to 12 months ($119 value). Benefits include <span style=\"text-decoration: underline;\">$0 delivery fees<\/span> and <span style=\"text-decoration: underline;\">5% off orders over $15<\/span>. Must enroll by December 31, 2021.<\/li><li><span style=\"text-decoration: underline;\"><strong>$100 Resort Credit<\/strong><\/span> - When you book a stay through the\u00a0<a href=\"https:\/\/www.americanexpress.com\/en-us\/travel\/the-hotel-collection\/\" target=\"_blank\" rel=\"noopener\">Amex Hotel Collection<\/a>, for two consecutive nights or longer, you'll get you\u2019ll up to $100 credit toward dining, spa and resort activities at the property. You also earn 2x points on your purchase and a room upgrade.<\/li><li><span style=\"text-decoration: underline;\"><strong>Travel Collection Membership<\/strong><\/span> - Complimentary access to\u00a0<a href=\"http:\/\/thetravelcollection.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">The Travel Collection<\/a>, a membership that normally costs $295 per year. This can help you land significant discounts with 10 airlines and perks at certain hotels when you book a stay of 2 nights or longer.<ul><li style=\"list-style-type: none;\"><ul><li>Daily breakfast for two people<\/li><li>Room upgrade upon check-in (based on availability)<\/li><li>Guaranteed\u00a01:00 p.m. early check-in<\/li><li>Complimentary in-room Wi-Fi<\/li><li>A $50 hotel credit<\/li><\/ul><\/li><\/ul><\/li><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/car-rental-loss-and-damage-insurance-terms.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Rental Car Insurance<\/strong><\/span><\/a> - If you reserve and pay with the Gold card and decline the collision damage waiver, you will be covered if the car is stolen or damaged. Insurance is <span style=\"text-decoration: underline;\">secondary coverage<\/span> and kicks in after and in addition to your own personal policy.<\/li><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/baggage-insurance-plan-terms.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Baggage Insurance<\/strong><\/span><\/a> - Purchase the entire fare of your common carrier ticket and get <span style=\"text-decoration: underline;\">up to $1,250<\/span> in reimbursement if your carry-on bag is lost, stolen or damaged, and <span style=\"text-decoration: underline;\">up to $500 if it\u2019s your checked bag<\/span>.<\/li><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/trip-delay.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Trip Delay Reimbursement<\/strong><\/span><\/a> - Reimbursement of <span style=\"text-decoration: underline;\">up to $300<\/span> for eligible expenses such as meals, lodging and toiletries if you purchase your trip with the card and your travel is <span style=\"text-decoration: underline;\">delayed by more than 12 hours<\/span> due to a covered reason. Total of 2 claims per 12 consecutive month period.<\/li><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/purchase-protection-terms.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Purchase Protection<\/strong><\/span><\/a> - You are eligible for up to $10,000 per claim and $50,000 per calendar year to replace lost, stolen or damaged items purchased with the card <span style=\"text-decoration: underline;\">within 90 days<\/span> from date of purchase.<\/li><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/extended-warranty-terms.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Extended Warranty<\/strong><\/span><\/a> - You get up to 1 additional year added to the manufacturer's warranty of 5 years or less.<\/li><li><span style=\"text-decoration: underline;\"><strong>ShopRunner Membership<\/strong><\/span> - Complimentary membership to ShopRunner which gives you free 2-day shipping and free returns at participating merchants when you use your card to pay.<\/li><li>No foreign transaction fees.<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1342\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-1342\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1342\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>One of the highest rewards rate for both groceries and restaurants<\/li><li>Amex offers and credits<\/li><li>No foreign transaction fees<\/li><li>Points are transferrable to <a href=\"https:\/\/www.americanexpress.com\/us\/rewards\/membership-rewards\/redeem\/airline-partners\/partner-airlines.html\">airline<\/a> and hotel partners to get double the value or more<\/li><li>Annual dining credit for Grubhub, Seamless, The Cheesecake Factory, Ruth Chris's Steak House, Boxed and participating Shake Shack locations<\/li><li>Annual Uber Cash for Uber Eats orders or Uber rides in the U.S. starting in early 2021 <strong>*NEW*<\/strong><\/li><li>Annual airline credit for fees such as checked bags, seat changes and inflight food &amp; beverages<\/li><li>Travel protection, rental car insurance, purchase protection, and extended warranty<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>Annual fee is only worth it if airline fee and dining credits are mostly or fully utilized each year<\/li><li>American Express is not accepted as widely as Visa or Mastercard<\/li><li>No lounge membership<\/li><li>Monthly dining credits do not roll over from month to month<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1343\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-1343\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1343\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>This has quickly become one of my favorite credit cards in my wallet. Well, the Amex Gold card is actually a charge card. Charge cards differ from credit cards in that there is <span style=\"text-decoration: underline;\">no pre-set spending limit<\/span> unlike credit cards which come with a credit limit and the <span style=\"text-decoration: underline;\">balance must be paid in full each month<\/span>.<\/p><p>\u00a0<\/p><p>I use this as my primary credit card for grocery and dining purchases, as it offers 4x Membership Rewards Points for every dollar spent. That is the highest transferrable points earning for groceries (technically second to the Chase Freedom cards) and second highest for dining (Citi Prestige being the highest).\u00a0<\/p><p>\u00a0<\/p><p>The annual fee is $250 but I can offset it with the $120 dining credit. I order from Grubhub once a month which lowers the annual fee to $130 a year.<\/p><p>\u00a0<\/p><p>The airline fee credit is a bit harder to use now because of the COVID pandemic but otherwise I would have made use of it on my flights to Columbia this year before we had to cancel our plans. That would have lowered the annual fee to just $30! To break even with the annual fee, I just need to spend $750 in dining and groceries combined in a year. I easily can spend that in less than 2 months.<\/p><p>\u00a0<\/p><p>Even though I cannot make good use of the airline fee credit, one of my favorite things about Amex cards is their <span style=\"text-decoration: underline;\">Amex Offers<\/span>. These offers provide either extra points per dollar spent or percentage cash back at hundreds of merchants. They require activation but this can be easily done in the mobile app. This year alone I already saved over $100 and we're not even through the entire year yet!<\/p><p>\u00a0<\/p><p>Combining the credits and the Amex Offers easily <span style=\"text-decoration: underline;\"><strong>brings the annual fee to $0<\/strong><\/span> for the Gold card. As groceries and dining are my top two expenses, I can very easily and quickly rack up a lot of Membership Rewards Points. I will transfer them to one of Amex's 19 airline partners, preferably international airlines since there's a fee for domestic airline transfers, and <span style=\"text-decoration: underline;\">redeem the points for <strong><em>free<\/em><\/strong> business or first class flights or nights at high-end luxury hotels.<\/span><\/p><p>\u00a0<\/p><p><strong><span style=\"text-decoration: underline;\">New Updates<\/span>:\u00a0<\/strong>American Express just announced they are giving cardholders <span style=\"text-decoration: underline;\">$120 in Uber Cash<\/span> that can be used for Uber Eats orders or Uber rides in the U.S. AND a <span style=\"text-decoration: underline;\">12-month complimentary Uber Eats Pass membership<\/span> starting in 2021. This means in 2021, the Gold card will <span style=\"text-decoration: underline;\">cost less than $0 to own<\/span> with the addition of just the $120 Uber Cash alone. I expect to be able to fully utilize the dining credit and Uber Cash and most likely the airline fee credit, which means <span style=\"text-decoration: underline;\">Amex is basically paying me to own the card<\/span>.<\/p><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-savings-ownership-cost\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1344\" data-tab=\"4\" role=\"tab\" aria-controls=\"elementor-tab-content-1344\"><h4 class=\"eael-accordion-tab-title\">My Savings &amp; Ownership Cost<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1344\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"my-savings-ownership-cost\"><p><p>Total Savings 2020: <strong>$220<\/strong><\/p><ul><li>Dining Credit - $100<\/li><li>Amex Offers - $120<\/li><\/ul><p>Cost to Own in 2020: <strong>$30<\/strong><\/p><ul><li>Annual Fee: $250<\/li><li>Credits &amp; Offers: $220<\/li><\/ul><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-54aede0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"54aede0\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-61b9639\" data-id=\"61b9639\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-294d8ff premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"294d8ff\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">First Credit Card I Applied For Myself <\/span><span class=\"premium-dual-header-second-header  gradient\">American Express Everyday<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c16819 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c16819\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-075f062\" data-id=\"075f062\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-732a621 elementor-widget elementor-widget-image\" data-id=\"732a621\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"317\" src=\"https:\/\/i1.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Amex-Everyday-Card-Image.png?fit=500%2C317&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"American Express Everyday card\" srcset=\"https:\/\/i1.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Amex-Everyday-Card-Image.png?w=500&amp;ssl=1 500w, https:\/\/i1.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Amex-Everyday-Card-Image.png?resize=300%2C190&amp;ssl=1 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30d2063 elementor-widget elementor-widget-text-editor\" data-id=\"30d2063\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong>Annual Fee:<\/strong><\/span> None<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50ee3a8 elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"50ee3a8\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"4\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-empty\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">4\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f596ca elementor-align-center elementor-widget elementor-widget-button\" data-id=\"9f596ca\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"http:\/\/refer.amex.us\/FREDELiAsv?xl=cp15\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-md elementor-animation-float\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-flask\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Here<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d30555c elementor-widget elementor-widget-text-editor\" data-id=\"d30555c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Recommended Credit Score: 640+<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-14462cc\" data-id=\"14462cc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6955cd2 elementor-widget elementor-widget-heading\" data-id=\"6955cd2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05e64ac elementor-widget elementor-widget-text-editor\" data-id=\"05e64ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li><strong><span style=\"text-decoration: underline;\">Welcome Offer:<\/span> <\/strong>Earn 10,000 Membership Reward Points (worth $100 or more) after spending $1,000 on purchases in the first 3 months.<strong> You can earn 25,000 points (worth $250) after spending $2,000 in the first 3 months through my <span style=\"text-decoration: underline;\">referral link<\/span><\/strong>.<\/li><li>Earn 2x Membership Reward Points on <span style=\"text-decoration: underline;\">groceries at U.S. supermarkets<\/span> (on up to $6,000 per calendar year, then 1x).<\/li><li>Earn 2x Membership Reward Points on travel purchases made through amextravel.com.<\/li><li>Earn <span style=\"text-decoration: underline;\">20% extra points on all purchases<\/span> when you make 20 or more purchases in a billing period (each month).<\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5eca934 elementor-widget elementor-widget-text-editor\" data-id=\"5eca934\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong><span style=\"text-decoration: underline;\">My Lifetime Savings:<\/span> $90<\/strong><\/p><p>Read my full review of the Everyday card here (coming soon)<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9dd259f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9dd259f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d9a4dc1\" data-id=\"d9a4dc1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f7f2f96 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"f7f2f96\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-f7f2f96\" data-accordion-id=\"f7f2f96\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2591\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-2591\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2591\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/car-rental-loss-and-damage-insurance-terms.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Rental Car Insurance<\/strong><\/span><\/a> - If you reserve and pay with the Everyday card and decline the collision damage waiver, you will be covered if the car is stolen or damaged. Insurance is <span style=\"text-decoration: underline;\">secondary coverage<\/span> and kicks in after and in addition to your own personal policy.<\/li><li><span style=\"text-decoration: underline;\"><strong>ShopRunner Membership<\/strong><\/span> - Complimentary membership to ShopRunner which gives you free 2-day shipping and free returns at participating merchants when you use your card to pay.<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2592\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-2592\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2592\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>No annual fee card that earns Membership Reward Points\u00a0<\/li><li>Points are worth 20% more when 20 or more purchases are made each statement cycle<\/li><li>Amex offers and credits<\/li><li>Points are transferrable to <a href=\"https:\/\/www.americanexpress.com\/us\/rewards\/membership-rewards\/redeem\/airline-partners\/partner-airlines.html\">airline<\/a> and hotel partners<\/li><li>Rental car insurance<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>Foreign transaction fee (2.7%)<\/li><li>American Express is not accepted as widely as Visa or Mastercard<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2593\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-2593\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2593\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>This was the very first credit card I applied for myself after I graduated from college. Prior to this card I had the Citi ThankYou Forward card (now the ThankYou Preferred card), which I never used because I used my debit card to pay for things throughout college.\u00a0<\/p><p>\u00a0<\/p><p>This card doesn't see much usage anymore but since it does not have an annual fee, I am keeping the card to boost my credit history. However, I do seldom use it whenever there is a good Amex offer.<\/p><p>\u00a0<\/p><p>Before I started learning more about credit cards and developing my strategy, I applied for this card because it did not have an annual fee and I got 20% more points whenever I used to the card to make 20 or more purchases each statement cycle. This was not an issue for me since this was the only credit card I used for all purchases. I had also just moved in with my then girlfriend and groceries were our main expense so this card was the perfect starter card for me.<\/p><p>\u00a0<\/p><p>Before I learned of the potential of Membership Reward Points and realized their value, I redeemed the majority of the points for gift cards, often at a discounted rate.\u00a0<\/p><p>\u00a0<\/p><p>But now that I know how to maximize the value of Membership Reward Points and I have my other credit cards, the Amex Everyday card just stays in my wallet at home.<\/p><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-savings-ownership-cost\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2594\" data-tab=\"4\" role=\"tab\" aria-controls=\"elementor-tab-content-2594\"><h4 class=\"eael-accordion-tab-title\">My Savings &amp; Ownership Cost<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2594\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"my-savings-ownership-cost\"><p><p>Lifetime Savings from Amex Offers: <strong>$90<\/strong><\/p><ul><li>2016 - $25<\/li><li>2018 - $20<\/li><li>2020 - $45<\/li><\/ul><p>Lifetime Ownership Cost: <strong>$0<\/strong><\/p><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2df7154 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2df7154\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-97f053b\" data-id=\"97f053b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-14142b5 premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"14142b5\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">My Flat Rate Card For Business Purchases <\/span><span class=\"premium-dual-header-second-header  gradient\">American Express Blue Business Plus<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cd57d0f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cd57d0f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-60b068e\" data-id=\"60b068e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-502e9df elementor-widget elementor-widget-image\" data-id=\"502e9df\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"480\" height=\"304\" src=\"https:\/\/i1.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Amex-Blue-Business-Plus-Card-Image.png?fit=480%2C304&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"American Express Blue Business Plus card\" srcset=\"https:\/\/i1.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Amex-Blue-Business-Plus-Card-Image.png?w=480&amp;ssl=1 480w, https:\/\/i1.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Amex-Blue-Business-Plus-Card-Image.png?resize=300%2C190&amp;ssl=1 300w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e45a7ba elementor-widget elementor-widget-text-editor\" data-id=\"e45a7ba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong>Annual Fee:<\/strong><\/span> None<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3139c75 elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"3139c75\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"4\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-empty\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">4\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d9c9b9 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2d9c9b9\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"http:\/\/refer.amex.us\/FREDELCm9p?xl=cp15\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-md elementor-animation-float\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-flask\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Here<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f98d075 elementor-widget elementor-widget-text-editor\" data-id=\"f98d075\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Recommended Credit Score: 670+<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-fe85829\" data-id=\"fe85829\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-927a371 elementor-widget elementor-widget-heading\" data-id=\"927a371\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0260f7 elementor-widget elementor-widget-text-editor\" data-id=\"d0260f7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer:<\/strong><\/span> None<\/li><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer (My Referral):<\/strong><\/span> 10,000 Membership Reward Points after spending 3,000 in the first 3 months.<\/li><li>Earn 2x Membership Rewards Points on <span style=\"text-decoration: underline;\">all purchases on the first $50,000<\/span> (then 1x).<\/li><\/ul><p>Read my full review of the Blue Business Plus card here (coming soon)<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-14a8734 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14a8734\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-40c0499\" data-id=\"40c0499\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0315c6a elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"0315c6a\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-0315c6a\" data-accordion-id=\"0315c6a\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"3231\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-3231\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-3231\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><strong><span style=\"text-decoration: underline;\">Expanded Buying Power<\/span><\/strong> - Make purchases over your credit limit when you need to with no penalty or enrollment, and still earn Membership Rewards<sup>\u00ae<\/sup> points on those purchases. At the end of your billing cycle, the portion above your credit limit is due in full and you still get to choose whether or not to carry the remaining balance with interest.\u00a0<\/li><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/car-rental-loss-and-damage-insurance-terms.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Rental Car Insurance<\/strong><\/span><\/a> - If you reserve and pay with the Blue Business Plus card and decline the collision damage waiver, you will be covered if the car is stolen or damaged. Insurance is <span style=\"text-decoration: underline;\">secondary coverage<\/span> and kicks in after and in addition to your own personal policy.<\/li><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/purchase-protection-terms.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Purchase Protection<\/strong><\/span><\/a> - You are eligible for up to $1,000 per claim and $50,000 per calendar year to replace lost, stolen or damaged items purchased with the card.<\/li><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/extended-warranty-terms.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Extended Warranty<\/strong><\/span><\/a> - You get up to 1 additional year added to the manufacturer's warranty of 5 years or less.<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"3232\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-3232\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-3232\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>Simple and high rewards rate for any and all purchases<\/li><li>Amex offers and credits<\/li><li>Can spend above and beyond your credit limit and earn rewards on those purchases. The amount you can spend over your limit is not unlimited and it adjusts with your usage, payment history, credit card record, and other factors.<\/li><li>Can designate an account manager to manage account when you are not available<\/li><li>Points are transferrable to <a href=\"https:\/\/www.americanexpress.com\/us\/rewards\/membership-rewards\/redeem\/airline-partners\/partner-airlines.html\">airline<\/a> and hotel partners<\/li><li>Travel protection, rental car insurance, purchase protection, and extended warranty<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>Foreign transaction fee (2.7%)<\/li><li>American Express is not accepted as widely as Visa or Mastercard<\/li><li>Lower rate after spending $50,000 each year<\/li><li>Usually there is no welcome offer<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"3233\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-3233\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-3233\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>I opened this card earlier this year to pay for my expenses for Smart Living Scientist. The Amex Blue Business Plus card was not the card I had originally planned to open but decided to apply for it after getting denied for the Chase Ink Unlimited card. I had wanted the Ink Unlimited card for its welcome offer and unlimited 1.5x Ultimate Reward Points on all purchases.\u00a0<\/p><p>\u00a0<\/p><p>Typically the American Express does not offer a welcome bonus for the Blue Business Plus credit card. There was only one other time that there was a welcome offer and that was back in 2018 where one could earn 10,000 Membership Rewards Points after spending $3,000. This year Amex is offering up to $300 in statement credits, $100 credit each for purchase made at FedEx, Dell and DocuSign.<\/p><p>\u00a0<\/p><p>I have already made use of the $100 credit for Dell when I purchased my wireless keyboard. I will also some of the $100 credit for FedEx when I go print my business cards. The remainder of the credit and the $100 credit for DocuSign will remained unutilized but having some welcome offer for this card is already a win in my book.<\/p><p>\u00a0<\/p><p>I use this card for all of my business purchases that do not count towards a reward category. <strong><span style=\"text-decoration: underline;\">This ensures I never get less than 2x points on all of my business spending<\/span><\/strong>. I also sometimes use this card for specific Amex offers that I do not get from my other cards.<\/p><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-savings-ownership-cost\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"3234\" data-tab=\"4\" role=\"tab\" aria-controls=\"elementor-tab-content-3234\"><h4 class=\"eael-accordion-tab-title\">My Savings &amp; Ownership Cost<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-3234\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"my-savings-ownership-cost\"><p><p>Lifetime Savings from Amex Offers: <strong>$33.73<\/strong><\/p><ul><li>2020 - $33.73<\/li><\/ul><p>Lifetime Ownership Cost: <strong>$0<\/strong><\/p><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c692db5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c692db5\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6f6b0e3\" data-id=\"6f6b0e3\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7828e6d elementor-widget elementor-widget-heading\" data-id=\"7828e6d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">My seven Chase credit cards<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93f014c elementor-widget elementor-widget-text-editor\" data-id=\"93f014c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Like American Express, Chase credit cards are one of the best cards out there and their Ultimate Rewards Points program is one of the most valuable loyalty programs. Their cards offer some of the highest rewards for dining and travel out there and some of the best perks, especially perks for travel. Their travel and dining category is very broad and includes many things from food trucks and vending machines to parking and public transportation.<\/p><p>Chase arguably has the best lineup for beginner and no annual fee credit cards. Give that, however, Chase credit cards are also one of the more difficult cards to apply for, mainly because of their unofficial 5\/24 Rule.<\/p><p>See this post for my overall Chase credit card strategy (coming soon).<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b066e8 premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"7b066e8\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">Primary Card For Travel &amp; Backup Dining <\/span><span class=\"premium-dual-header-second-header  gradient\">Chase Sapphire Reserve<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-28cd275 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"28cd275\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-972fe5a\" data-id=\"972fe5a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8fd3526 elementor-widget elementor-widget-image\" data-id=\"8fd3526\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"315\" src=\"https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Sapphire-Reserve-Card-Image.png?fit=500%2C315&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Chase Sapphire Reserve Card\" srcset=\"https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Sapphire-Reserve-Card-Image.png?w=500&amp;ssl=1 500w, https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Sapphire-Reserve-Card-Image.png?resize=300%2C189&amp;ssl=1 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0daba22 elementor-widget elementor-widget-text-editor\" data-id=\"0daba22\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong style=\"text-decoration-line: underline;\">Annual Fee:<\/strong><\/span> $550<br \/><span style=\"text-decoration: underline;\"><strong>Annual Travel Credit:<\/strong><\/span> $300<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c393bee elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"c393bee\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"4.5\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-5\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">4.5\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8f6948 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"e8f6948\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/creditcards.chase.com\/rewards-credit-cards\/sapphire\/reserve\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-md elementor-animation-float\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Here<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf8dea5 elementor-widget elementor-widget-text-editor\" data-id=\"bf8dea5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Recommended Credit Score: 720+<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d86e4eb\" data-id=\"d86e4eb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ac6bb7 elementor-widget elementor-widget-heading\" data-id=\"6ac6bb7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a464582 elementor-widget elementor-widget-text-editor\" data-id=\"a464582\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer:<\/strong><\/span> Earn 50,000 Ultimate Rewards Points (worth $500-$750 or more) after spending $4,000 on purchases in the first three months.<\/li><li>Earn 10x Ultimate Rewards Points on <span style=\"text-decoration: underline;\">Lyft rides through March 2022<\/span>.<\/li><li>Earn 3x Ultimate Rewards Points on <span style=\"text-decoration: underline;\">travel purchases worldwide<\/span> (after earning $300 travel credit).<\/li><li>Earn 3x Ultimate Rewards Points on <span style=\"text-decoration: underline;\">dining at restaurants worldwide, including eligible delivery services, take out and dining out.<\/span><\/li><li><span style=\"text-decoration: underline;\"><strong>New Limited Time Offer: <\/strong><\/span>Earn 3x on up to $1,000 on grocery purchases each month starting November 1, 2020, and goes through April 30, 2021.<\/li><li>Points are <span style=\"text-decoration: underline;\">worth 50% more<\/span> when redeemed for travel through Chase Ultimate Rewards (<span style=\"text-decoration: underline;\">makes welcome offer worth $750<\/span>).<\/li><\/ul><p>Read my full review of the Sapphire Reserve card here (coming soon)<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-956cd1a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"956cd1a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4563838\" data-id=\"4563838\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e45b13 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"4e45b13\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-4e45b13\" data-accordion-id=\"4e45b13\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"8201\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-8201\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-8201\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><strong><span style=\"text-decoration: underline;\">$300 Annual Travel Credit<\/span><\/strong> - Easy-to-use credit that automatically applies to travel purchases, including public transportation, flights, hotels, AirBnBs, parking, tolls, etc. No enrollment is required.<\/li><li><span style=\"text-decoration: underline;\"><strong>Priority Pass Select<\/strong><\/span> - Access to 1,000+ Priority Pass airport lounges in over 500 cities worldwide. In addition, this membership provides access to Priority Pass restaurants where Sapphire Reserve cardholders can get $28 worth of free food per person at airport restaurants (check the <a href=\"https:\/\/thepointsguy.com\/news\/priority-pass-adds-new-restaurant-us\/\" target=\"_blank\" rel=\"noopener\">full list here<\/a>). Many other cards that offer Priority Pass Select memberships such as those from American Express do not include this.<\/li><li><span style=\"text-decoration: underline;\"><strong>Global Entry or TSA Pre Fee Credit<\/strong><\/span> - Up to $100 in credits every 4 years for the application fee for Global Entry or TSA Precheck. Both gets you through airport security lines quicker and does not require you to take electronics out from your bag, your shoes off, etc. Global Entry gets you through customs screening quicker. Getting Global Entry automatically gets you TSA Precheck.<\/li><li><span style=\"text-decoration: underline;\"><strong>$120 Credit for DoorDash<\/strong><\/span> - $60 credit on DoorDash purchases through 2020 and another $60 credit through 2021.<\/li><li><span style=\"text-decoration: underline;\"><strong>1-Year Complimentary DashPass Subscription<\/strong><\/span> - One free year of DashPass membership from DoorDash, which waives all delivery fees on orders over $12 and reduces service fees ($120 value).<\/li><li><span style=\"text-decoration: underline;\"><strong>1 Year Complementary Lyft Pink Membership<\/strong><\/span> - One free year of Lyft Pink valued at $199 minimum, which provides benefits such as 15% off Lyft rides, priority airport pickups, three waived cancel fees per month, <span style=\"text-decoration: underline;\">free Grubhub+ membership ($120 value)<\/span>, and more.<\/li><li><span style=\"text-decoration: underline;\"><strong>Rental Car Insurance<\/strong><\/span> - If you reserve and pay with the Sapphire Reserve card and decline the collision damage waiver, you will be covered if the car is stolen or damaged. Insurance is <u>primary coverage, which<\/u><span style=\"text-decoration: underline;\"> kicks in before your<\/span> own personal insurance. You can be reimbursed up to $75,000 for rental cars in the U.S. and abroad.<\/li><li><span style=\"text-decoration: underline;\"><strong>Trip Cancellation\/Interruption Insurance<\/strong><\/span> - Get reimbursed up to <span style=\"text-decoration: underline;\">$10,000 per person and $20,000 per trip<\/span> if your trip is canceled or cut short by sickness, severe weather, and other covered situations. Coverage is only for <span style=\"text-decoration: underline;\">pre-paid, non-refundable travel expenses<\/span>, including passenger fares, tours, and hotels.<\/li><li><strong><span style=\"text-decoration: underline;\">Trip Delay Reimbursement<\/span><\/strong> - If your common carrier travel is <span style=\"text-decoration: underline;\">delayed 6 hours or requires an overnight stay<\/span>, you and your family are covered <span style=\"text-decoration: underline;\">up to $500 per ticket<\/span> for unreimbursed expenses, such as meals and lodging.<\/li><li><span style=\"text-decoration: underline;\"><strong>Lost Luggage Reimbursement<\/strong><\/span> - Get covered up to <span style=\"text-decoration: underline;\">$3,000 per passenger<\/span> for carry-on or checked-in luggage that is damaged or lost by the carrier. Coverage applies to you or an immediate family member.<\/li><li><span style=\"text-decoration: underline;\"><strong>Emergency Evacuation &amp; Transportation <\/strong><\/span>- You or an immediate family member is covered for medical services and transportation <span style=\"text-decoration: underline;\">up to $100,000<\/span> for injuries and illnesses during a trip far from home that requires an immediate emergency evacuation.\u00a0<\/li><li><span style=\"text-decoration: underline;\"><strong>Purchase Protection<\/strong><\/span> - Your new purchases are covered for 120 days against damage or theft up to <span style=\"text-decoration: underline;\">$10,000 per claim and $50,000 per year<\/span>.<\/li><li><span style=\"text-decoration: underline;\"><strong>Return Protection<\/strong><\/span> - You can be reimbursed for eligible items you bought but the store won't take back within 90 days of purchase, up to $500 per item and $1,000 per year.<\/li><li><span style=\"text-decoration: underline;\"><strong>Extended Warranty<\/strong><\/span> - You get 1 additional year added to the manufacturer's warranty of <span style=\"text-decoration: underline;\">3 years or less<\/span> in the U.S.<\/li><li><span style=\"text-decoration: underline;\"><strong>Luxury Hotel &amp; Resort Collection<\/strong> <\/span>- Enjoy special benefits such as room upgrades, early check-in and late check-out, free daily breakfast for two, free spa treatment, and more at over 1000 hotels, resorts, lodges and spas around the world. Booking through Chase's LHRC program usually costs not much more than booking direct.<\/li><li>No foreign transaction fees.<\/li><li>24\/7 concierge service from anywhere in the world.<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"8202\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-8202\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-8202\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>Easy to use $300 travel credit<\/li><li>Chase Offers<\/li><li>Special offers such as free 6-month Spotify Premium subscription (see <a href=\"https:\/\/www.chase.com\/getmorenow?jp_cmp=cc\/P-681\/ema\/EM11160A\/Body_Image_1\" target=\"_blank\" rel=\"noopener\">offers here<\/a>)\u00a0<\/li><li>Many credits, benefits and perks to offset annual fee<\/li><li>No foreign transaction fees<\/li><li>Points are transferrable to airline and hotel partners to get double the value or more<\/li><li>Premium travel protections, primary rental car insurance, purchase and return protection and extended warranty<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>Points are not earned for travel until $300 travel credit is used first<\/li><li>High annual fee if you cannot take advantage of perks, credits and benefits<\/li><li>$75 annual fee for authorized users<\/li><li>Need excellent credit<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"8203\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-8203\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-8203\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>I use the Chase Sapphire Reserve card as part of my \"Chase trifecta\" strategy to maximize earning Ultimate Rewards Points. I currently use this card for all my travel purchases, including flights, hotels and AirBnBs, unless it makes more sense to use, for example, my World of Hyatt card for stays at the Hyatt. This is because the Sapphire Reserve provides outstanding travel protections. I will sometimes put travel expenses on this card even though I will not get the highest earning rate because the amount of money I can save far outweighs the points I will miss out on.<\/p><p>\u00a0<\/p><p>Most of my travel expenses come from traveling for work. As part of my job, I have to travel to different parts of the country and world to attend conferences. I am in a very fortunate situation where my company does not handle the travel plans and itineraries. Instead they allows us to pay for all travel expenses out of pocket and then get reimbursed. This allowed me to rack up a lot of points very quickly, especially with the Sapphire Reserve card which earns 3x on travel purchases.<\/p><p>\u00a0<\/p><p><span style=\"text-decoration: underline;\">I used to also use this card for all of my dining purchases until I got the Amex Gold card<\/span>. Right now I carry this as a backup to the Gold card whenever Amex is not accepted or when I think something would not be considered dining for the Gold card such as purchases made at food trucks.<\/p><p>\u00a0<\/p><p>The Sapphire Reserve offers a $300 travel credit, which effectively lowers the annual fee to $150 ($250 in 2021 and beyond). This card also now offers a <span style=\"text-decoration: underline;\">$60 DoorDash credit through 2020 and another $60 credit through 2021, complimentary one-year DashPass subscription for DoorDash ($120 value), and complimentary one-year Lyft Pink membership ($199 minimum value<\/span>). That is a total of $439 in value over 2 years! All of that easily makes up for the $400 ($150+$250) annual fee I would have to pay for this card over the course of two years. And this doesn't even include the money I save in delivery and service fees and on Lyft rides.<\/p><p>\u00a0<\/p><p>Essentially it will <span style=\"text-decoration: underline;\">cost me $0 to own<\/span> the Sapphire Reserve card for two years.<\/p><p>\u00a0<\/p><p>When I travel, I use this card to access the PriorityPass lounges at airports without having to pay for a membership ($69 value) where I get <span style=\"text-decoration: underline;\"><em>free food and drinks<\/em> <\/span>(not that I drink much anyway). The awesome thing is that I can bring up to two guests with me so I bring my fianc\u00e9 with me whenever we travel together and she makes good use of the free drinks.\u00a0I also use this card to waive the collision damage waiver for car rentals, saving more money. I used this benefit in Ireland in 2019 and it even helped me cover in full the damage to my rental car in Ireland, which saved me over $1,200.<\/p><p>\u00a0<\/p><p>The Sapphire Reserve card doesn't get nearly as much usage ever since I got the Amex Gold card earlier this year but I still use it and its benefits enough to warrant the annual fee. In addition, I keep this card because I can transfer the Ultimate Rewards Points earned from all my other Chase cards and then either redeem them through the Ultimate Rewards portal where all the points are worth 50% more OR transfer them to partners and redeem them for at minimum 100% more value.<\/p><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-savings-ownership-cost\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"8204\" data-tab=\"4\" role=\"tab\" aria-controls=\"elementor-tab-content-8204\"><h4 class=\"eael-accordion-tab-title\">My Savings &amp; Ownership Cost<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-8204\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"my-savings-ownership-cost\"><p><p>Lifetime Savings from Chase Offers: <strong>$66.58<\/strong><\/p><ul><li>2018 - Data lost<\/li><li>2019 - Data lost<\/li><li>2020 - $6.58 + $60 (Doordash)<\/li><\/ul><p>Lifetime Ownership Cost: <strong>$450<\/strong><\/p><ul><li>2018 - $150<\/li><li>2019 - $150<\/li><li>2020 - $150<\/li><\/ul><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f832961 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f832961\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9e6f7e9\" data-id=\"9e6f7e9\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11221a1 premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"11221a1\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">Primary Card For Personal Non-category Bonus Spending <\/span><span class=\"premium-dual-header-second-header  gradient\">Chase Freedom Unlimited<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7b402b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b402b1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-56fed7c\" data-id=\"56fed7c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-368d3a3 elementor-widget elementor-widget-image\" data-id=\"368d3a3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"486\" height=\"305\" src=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Freedom-Unlimited-Card-Image-1.png?fit=486%2C305&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Chase Freedom Unlimited Card\" srcset=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Freedom-Unlimited-Card-Image-1.png?w=486&amp;ssl=1 486w, https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Freedom-Unlimited-Card-Image-1.png?resize=300%2C188&amp;ssl=1 300w\" sizes=\"(max-width: 486px) 100vw, 486px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4eabfe5 elementor-widget elementor-widget-text-editor\" data-id=\"4eabfe5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong style=\"text-decoration-line: underline;\">Annual Fee:<\/strong><\/span>\u00a0None<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a03dc0 elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"8a03dc0\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"5\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">5\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-671f647 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"671f647\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.referyourchasecard.com\/18f\/2Q7PKXRHLP\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-md elementor-animation-float\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-flask\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Here<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6ee6c3 elementor-widget elementor-widget-text-editor\" data-id=\"e6ee6c3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Recommended Credit Score: 640+<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1059aed\" data-id=\"1059aed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d18a031 elementor-widget elementor-widget-heading\" data-id=\"d18a031\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-220663c elementor-widget elementor-widget-text-editor\" data-id=\"220663c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer:<\/strong><\/span> Earn $200 bonus (20,000 Ultimate Rewards Points) after spending $500 on purchases in the first three months AND get<span style=\"text-decoration: underline;\"> 5% cash back on grocery purchases<\/span> (excluding Target and Walmart) on up to $12,000 spent in the first year.<\/li><li>Earn 5% cash back (5x Ultimate Rewards Points) on <span style=\"text-decoration: underline;\">travel purchases made through Ultimate Rewards portal<\/span> and <span style=\"text-decoration: underline;\">Lyft rides through March 2022<\/span>.<\/li><li>Earn 3% cash back (3x Ultimate Rewards Points) on <span style=\"text-decoration: underline;\">dining at restaurants worldwide<\/span>, including eligible delivery services, take out and dining out, as well as from <span style=\"text-decoration: underline;\">drugstores<\/span>.<\/li><li>Earn 1.5% cash back (1.5x Ultimate Rewards Points) on <span style=\"text-decoration: underline;\">all other purchases<\/span>.<\/li><\/ul><p>Read my full review of the Freedom Unlimited card here (coming soon)<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3102f4f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3102f4f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f457d9c\" data-id=\"f457d9c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6374c94 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"6374c94\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-6374c94\" data-accordion-id=\"6374c94\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1041\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-1041\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1041\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><span style=\"text-decoration: underline;\"><strong>3-Month Complimentary DashPass Subscription<\/strong><\/span> - One free year of DashPass membership from DoorDash, which waives all delivery fees on orders over $12 and reduces service fees ($120 value).<\/li><li><span style=\"text-decoration: underline;\"><strong>Rental Car Insurance<\/strong><\/span> - If you reserve and pay with the Freedom Unlimited card and decline the collision damage waiver, you will be covered if the car is stolen or damaged. Insurance is <span style=\"text-decoration: underline;\">secondary<\/span><u> coverage in the U.S., which<\/u><span style=\"text-decoration: underline;\"> kicks in after your<\/span> own personal insurance. It is <span style=\"text-decoration: underline;\">primary coverage abroad<\/span>.\u00a0<\/li><li><span style=\"text-decoration: underline;\"><strong>Trip Cancellation\/Interruption Insurance<\/strong><\/span> - Get reimbursed up to <span style=\"text-decoration: underline;\">$1,500 per person and $6,000 per trip<\/span> if your trip is canceled or cut short by sickness, severe weather, and other covered situations. Coverage is only for <span style=\"text-decoration: underline;\">pre-paid, non-refundable <\/span>passenger fares, tours, and hotels.<\/li><li><span style=\"text-decoration: underline;\"><strong>Purchase Protection<\/strong><\/span> - Your new purchases are covered for 120 days against damage or theft up to <span style=\"text-decoration: underline;\">$500 per claim and $50,000 per account<\/span>.<\/li><li><span style=\"text-decoration: underline;\"><strong>Extended Warranty<\/strong><\/span> - You get 1 additional year added to the manufacturer's warranty of <span style=\"text-decoration: underline;\">3 years or less<\/span> in the U.S.<\/li><li><span style=\"text-decoration: underline;\"><strong>Luxury Hotel &amp; Resort Collection<\/strong> <\/span>- Enjoy special benefits such as room upgrades, early check-in and late check-out, free daily breakfast for two, free spa treatment, and more at over 1000 hotels, resorts, lodges and spas around the world. Booking through Chase's LHRC program usually costs not much more than booking direct. <strong>*Note: this is not directly stated on Chase's application page but people have reported having access.*<\/strong><\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1042\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-1042\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1042\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>Chase Offers<\/li><li>Boost cash back earned from 1% to 15% at select merchants through Chase's Shop Through Chase online shopping portal\u00a0<\/li><li>Ability to transfer points to other Chase cards such as the Sapphire Reserve and get higher value per point<\/li><li>Decent travel protections, rental car insurance, purchase protection and extended warranty for a no annual fee card<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>Foreign transaction fee (3%)<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1043\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-1043\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1043\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>The Freedom Unlimited is one of the cards I use in my \"Chase trifecta\" strategy to maximize my rewards for all spending. The goal of such a credit card strategy is to never get less than 1.5x points or 1.5% cash back on purchases <span style=\"text-decoration: underline;\">AND<\/span> maximize the value on the rewards.<\/p><p>\u00a0<\/p><p>I use this card for purchases that do not fall under a bonus category such as dining and travel. This ensures that I always get at least 1.5x Ultimate Rewards Points or 1.5% cash back on all of my purchases. I transfer all of the points earned with this card to my Sapphire Reserve card to maximize their value.<\/p><p>\u00a0<\/p><p>Although the difference between getting 1x and 1.5x is not huge, it can add up in the long run, particularly if you spend a lot on purchases that do not fall in a bonus category.<\/p><p>\u00a0<\/p><p>We all have purchases we have to make and expenses to pay each year that do not fall into a bonus category. I myself easily have on average over $5,000 of purchases and expenses I can put on a credit card every year. The difference between 1x and 1.5x on $5,000 in points is equivalent to $25, which may not seem like much. However, when transferred to my Sapphire Reserve card, those points are now worth at minimum $37.50, with the potential of being worth $50 or more when redeemed for travel.<\/p><p>\u00a0<\/p><p>Now while even $50 may not sound like much, I\u2019d still be out on $50 if I had just stuck to the 1x earning. And that\u2019s just from one card only! When combined with Chase\u2019s other cards, such as the Freedom Flex card, the amount of points and money I could be missing out is even greater!<\/p><p>\u00a0<\/p><p>The idea here is that if I am already going to be spending the money anyways I might as well maximize the amount of money I get back. All it takes is a few strategic credit cards and remembering to use the credit card that earns the highest rewards.<\/p><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-eb129f8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eb129f8\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e340c3\" data-id=\"7e340c3\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8d502d premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"f8d502d\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">Card For Rotational Category Bonus Spending <\/span><span class=\"premium-dual-header-second-header  gradient\">Chase Freedom Flex<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd2cc9a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd2cc9a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-54ff03e\" data-id=\"54ff03e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-27c0fb9 elementor-widget elementor-widget-image\" data-id=\"27c0fb9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"494\" height=\"317\" src=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Freedom-Flex-Card-Image.png?fit=494%2C317&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Chase Freedom Flex Card\" srcset=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Freedom-Flex-Card-Image.png?w=494&amp;ssl=1 494w, https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Freedom-Flex-Card-Image.png?resize=300%2C193&amp;ssl=1 300w\" sizes=\"(max-width: 494px) 100vw, 494px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0723b2 elementor-widget elementor-widget-text-editor\" data-id=\"e0723b2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong style=\"text-decoration-line: underline;\">Annual Fee:<\/strong><\/span>\u00a0None<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5616323 elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"5616323\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"4.5\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-5\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">4.5\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6694a53 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6694a53\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.referyourchasecard.com\/18f\/2Q7PKXRHLP\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-md elementor-animation-float\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-flask\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Here<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-885cd9e elementor-widget elementor-widget-text-editor\" data-id=\"885cd9e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Recommended Credit Score: 640+<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5441cd2\" data-id=\"5441cd2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8c93c27 elementor-widget elementor-widget-heading\" data-id=\"8c93c27\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7869c7 elementor-widget elementor-widget-text-editor\" data-id=\"e7869c7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer:<\/strong><\/span> Earn $200 bonus (20,000 Ultimate Rewards Points) after spending $500 on purchases in the first three months AND get<span style=\"text-decoration: underline;\"> 5% cash back on grocery purchases<\/span> (excluding Target and Walmart) on up to $12,000 spent in the first year.<\/li><li>Earn 5% cash back (5x Ultimate Rewards Points) on <span style=\"text-decoration: underline;\">travel purchases made through Ultimate Rewards portal<\/span> and <span style=\"text-decoration: underline;\">Lyft rides through March 2022<\/span>.<\/li><li>Earn 3% cash back (3x Ultimate Rewards Points) on <span style=\"text-decoration: underline;\">dining at restaurants worldwide<\/span>, including eligible delivery services, take out and dining out, as well as from <span style=\"text-decoration: underline;\">drugstores<\/span>.<\/li><li>Earn 5% cash back (5x Ultimate Rewards Points) on up to $1,500 on combined purchases in <span style=\"text-decoration: underline;\">bonus categories each quarter<\/span> of the year (you need to activate each quarter).<\/li><\/ul><p>Read my full review of the Freedom Flex card here (coming soon)<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8d3dce3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8d3dce3\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c3b1b27\" data-id=\"c3b1b27\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23d49ed elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"23d49ed\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-23d49ed\" data-accordion-id=\"23d49ed\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"3751\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-3751\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-3751\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><span style=\"text-decoration: underline;\"><strong>3-Month Complimentary DashPass Subscription<\/strong><\/span> - One free year of DashPass membership from DoorDash, which waives all delivery fees on orders over $12 and reduces service fees ($120 value).<\/li><li><span style=\"text-decoration: underline;\"><strong>Rental Car Insurance<\/strong><\/span> - If you reserve and pay with the Freedom Flex card and decline the collision damage waiver, you will be covered if the car is stolen or damaged. Insurance is <span style=\"text-decoration: underline;\">secondary<\/span><u> coverage in the U.S., which<\/u><span style=\"text-decoration: underline;\"> kicks in after your<\/span> own personal insurance. It is <span style=\"text-decoration: underline;\">primary coverage abroad<\/span>.\u00a0<\/li><li><span style=\"text-decoration: underline;\"><strong>Trip Cancellation\/Interruption Insurance<\/strong><\/span> - Get reimbursed up to <span style=\"text-decoration: underline;\">$1,500 per person and $6,000 per trip<\/span> if your trip is canceled or cut short by sickness, severe weather, and other covered situations. Coverage is only for <span style=\"text-decoration: underline;\">pre-paid, non-refundable <\/span>passenger fares, tours, and hotels.<\/li><li><span style=\"text-decoration: underline;\"><strong>Purchase Protection<\/strong><\/span> - Your new purchases are covered for 120 days against damage or theft up to <span style=\"text-decoration: underline;\">$10,000 per claim and $50,000 per year<\/span>.<\/li><li><span style=\"text-decoration: underline;\"><strong>Extended Warranty<\/strong><\/span> - You get 1 additional year added to the manufacturer's warranty of <span style=\"text-decoration: underline;\">3 years or less<\/span> in the U.S.<\/li><li><span style=\"text-decoration: underline;\"><strong>Luxury Hotel &amp; Resort Collection<\/strong> <\/span>- Enjoy special benefits such as room upgrades, early check-in and late check-out, free daily breakfast for two, free spa treatment, and more at over 1000 hotels, resorts, lodges and spas around the world. Booking through Chase's LHRC program usually costs not much more than booking direct. <strong>*Note: this is not directly stated on Chase's application page but people have reported having access.*<\/strong><\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"3752\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-3752\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-3752\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>No annual fee<\/li><li>High rewards rate and no minimum cash back\/points redemption<\/li><li>Chase Offers<\/li><li>Boost cash back earned from 1% to 15% at select merchants through Chase's Shop Through Chase online shopping portal\u00a0<\/li><li>Ability to transfer points to other Chase cards such as the Sapphire Reserve and get higher value per point<\/li><li>Decent travel protections, rental car insurance, purchase protection and extended warranty<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>Foreign transaction fee (3%)<\/li><li>Spending may not align with rotating categories<\/li><li>Requires you to keep track and activate bonus categories<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"3753\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-3753\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-3753\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>The Chase Freedom Flex is the newest and most recent addition to my credit card lineup. I applied for this card and got approved in October of 2020. This card essentially replaces the Chase Freedom card in my \"Chase Trifecta\" strategy, but in reality it actually turns my Chase Trifecta into a \"Chase Quartet\".<\/p><p>\u00a0<\/p><p>This card replaced the Chase Freedom card, which is basically the same card minus some of the newer benefits and earnings such as the 3% cash back on dining and 5% on travel purchases made through Chase's Ultimate Rewards portal. Even though I already have the Freedom card, I decided to open this card instead of requesting a product change of my Freedom card so that I can boost the total 5% cash back on rotational categories I can earn on my spending each quarter of the year and earn the welcome offer. Had I done a product change I would not have been able to get the $200 welcome offer. I don't mind carrying both cards since both the Freedom and Freedom Flex cards have no annual fee and they stay in my wallet at home most of the time unless I can make use of the rotational bonus categories.<\/p><p>\u00a0<\/p><p>The spending cap each quarterly bonus is limited to $1,500. While I do not always max out the 7,500 Ultimate Rewards Points in earnings (equivalent to $75) each quarter depending on the category bonuses, I do typically max out when the category bonus is purchases made via PayPal. Chase has made PayPal the bonus category in Q4 for both last year and this year. This is perfect for holiday shopping when I go buy gifts for friends and family and take advantage of the huge savings that come around during this time.<\/p><p>\u00a0<\/p><p>Now instead of earning only 7,500 Ultimate Rewards Points or $75, I can earn up to 15,000 points of $150 on $3,000 worth of spending. When transferred to my Sapphire Reserve card, these points are worth at minimum $225 with the potential of $300 or more.<\/p><p>\u00a0<\/p><p>Another benefit is that I now get <span style=\"text-decoration: underline;\">World Elite Mastercard benefits<\/span> that I do not get with my Freedom card since it's a Visa Signature card. Aside from my one Citi card, I do not have a Mastercard credit card and it's always best to diversify and carry cards from multiple networks. I always wanted a Mastercard credit card that I would use more often and the Freedom Flex provided me with just that. There are many World Elite Mastercard benefits that come with the Freedom Flex but the one I value most is the <span style=\"text-decoration: underline;\">$1,000 annual cell phone protection<\/span>. It reimburses me up to $800 per claim for covered damages as long as I pay my monthly cellphone bill with this card. I don't drop or break my phone often, but it's great to have this protection for peace of mind, especially considering how expensive phones are nowadays.<\/p><p>\u00a0<\/p><p>Now, while I may not be able to maximize the earning rewards every quarter of the year, carrying both the Freedom and Freedom Flex cards is still great because both cards have no annual fees.<\/p><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-64df0e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64df0e4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dd45004\" data-id=\"dd45004\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a6abba premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"6a6abba\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">Card For Rotational Category Bonus Spending <\/span><span class=\"premium-dual-header-second-header  gradient\">Chase Freedom<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7bfe3b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7bfe3b6\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-418b253\" data-id=\"418b253\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-474beef elementor-widget elementor-widget-image\" data-id=\"474beef\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"315\" src=\"https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Freedom-Card-Image.png?fit=500%2C315&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Chase Freedom Credit Card\" srcset=\"https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Freedom-Card-Image.png?w=500&amp;ssl=1 500w, https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Freedom-Card-Image.png?resize=300%2C189&amp;ssl=1 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d4e78b elementor-widget elementor-widget-text-editor\" data-id=\"5d4e78b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong style=\"text-decoration-line: underline;\">Annual Fee:<\/strong><\/span>\u00a0None<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e105910 elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"e105910\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"3.7\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-7\">&#xE933;<\/i><i class=\"elementor-star-empty\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">3.7\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e659dff\" data-id=\"e659dff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d4a90ad elementor-widget elementor-widget-heading\" data-id=\"d4a90ad\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba1ac31 elementor-widget elementor-widget-text-editor\" data-id=\"ba1ac31\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer:<\/strong><\/span> None &#8211; this card is no longer available to new applicants and has been replaced by the Freedom Flex.<\/li><li>Earn 5% cash back (5x Ultimate Rewards Points) on <span style=\"text-decoration: underline;\">Lyft rides through March 2022<\/span>.<\/li><li>Earn 5% cash back (5x Ultimate Rewards Points) on up to $1,500 on combined purchases in <span style=\"text-decoration: underline;\">bonus categories each quarter<\/span> of the year (you need to activate each quarter).<\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e0ba150 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e0ba150\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-29a1bb5\" data-id=\"29a1bb5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bdf3c8e elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"bdf3c8e\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-bdf3c8e\" data-accordion-id=\"bdf3c8e\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1991\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-1991\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1991\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><span style=\"text-decoration: underline;\"><strong>3-Month Complimentary DashPass Subscription<\/strong><\/span> - One free year of DashPass membership from DoorDash, which waives all delivery fees on orders over $12 and reduces service fees ($120 value).<\/li><li><span style=\"text-decoration: underline;\"><strong>Rental Car Insurance<\/strong><\/span> - If you reserve and pay with the Freedom card and decline the collision damage waiver, you will be covered if the car is stolen or damaged. Insurance is <span style=\"text-decoration: underline;\">secondary<\/span><u> coverage in the U.S., which<\/u><span style=\"text-decoration: underline;\"> kicks in after your<\/span> own personal insurance. It is <span style=\"text-decoration: underline;\">primary coverage abroad<\/span>.\u00a0<\/li><li><span style=\"text-decoration: underline;\"><strong>Trip Cancellation\/Interruption Insurance<\/strong><\/span> - Get reimbursed up to <span style=\"text-decoration: underline;\">$1,500 per person and $6,000 per trip<\/span> if your trip is canceled or cut short by sickness, severe weather, and other covered situations. Coverage is only for <span style=\"text-decoration: underline;\">pre-paid, non-refundable <\/span>passenger fares, tours, and hotels.<\/li><li><span style=\"text-decoration: underline;\"><strong>Purchase Protection<\/strong><\/span> - Your new purchases are covered for 120 days against damage or theft up to <span style=\"text-decoration: underline;\">$10,000 per claim and $50,000 per year<\/span>.<\/li><li><span style=\"text-decoration: underline;\"><strong>Extended Warranty<\/strong><\/span> - You get 1 additional year added to the manufacturer's warranty of <span style=\"text-decoration: underline;\">3 years or less<\/span> in the U.S.<\/li><li><span style=\"text-decoration: underline;\"><strong>Luxury Hotel &amp; Resort Collection<\/strong> <\/span>- Enjoy special benefits such as room upgrades, early check-in and late check-out, free daily breakfast for two, free spa treatment, and more at over 1000 hotels, resorts, lodges and spas around the world. Booking through Chase's LHRC program usually costs not much more than booking direct. <strong>*Note: this is not directly stated on Chase's application page but people have reported having access.*<\/strong><\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1992\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-1992\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1992\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>No annual fee<\/li><li>High rewards rate and no minimum cash back\/points redemption<\/li><li>Chase Offers<\/li><li>Boost cash back earned from 1% to 15% at select merchants through Chase's Shop Through Chase online shopping portal\u00a0<\/li><li>Ability to transfer points to other Chase cards such as the Sapphire Reserve and get higher value per point<\/li><li>Decent travel protections, rental car insurance, purchase protection and extended warranty<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>Foreign transaction fee (3%)<\/li><li>Spending may not align with rotating categories<\/li><li>Requires you to keep track and activate bonus categories<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1993\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-1993\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1993\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>The Chase Freedom card is the third card I opened with Chase. I opened this card a few months after the Freedom Unlimited card for the 5% cash back rotational category bonus. Being able to earn essentially 5x Ultimate Rewards Points on certain purchases each quarter is quite a lot, especially considering this card has no annual fee and the points can be transferred to my Sapphire Reserve card for getting maximum value out of the points.<\/p><p>\u00a0<\/p><p>Instead of product changing my Freedom card to the Freedom Flex, I decided to keep this card and open the Freedom Flex separately. That allowed me to earn the welcome bonus for the Freedom Flex card. And by keeping the Freedom card, I now can earn 5% cash back or 5x Ultimate Rewards Points on up to $3,000 in spending instead of $1,500 by carrying both cards. The rotational categories are the exact same as the Freedom Flex each quarter.<\/p><p>\u00a0<\/p><p>The rotational categories have historically included <span style=\"text-decoration: underline;\">groceries stores, purchases made via PayPal, gas station, home improvement stores, Amazon.com, wholesale clubs and internet, cable &amp; phone services<\/span>.<\/p><p>\u00a0<\/p><p>The Freedom card stays in my wallet at home until I need to use it when the bonus category provides me with the highest earning rate. The bonus categories for Q4 of 2020, for instance, are PayPal and Walmart. With the holidays approaching, it can be quite easy for me to max the $1,500 in spending through buying gifts. I plan on using this card for all my online purchases where the merchant has PayPal as an option, which most online merchants do.<\/p><p>\u00a0<\/p><p>The points earned with this card will be transferred to my Sapphire Reserve card to be redeemed for travel.<\/p><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-94f2f74 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"94f2f74\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-106b4e6\" data-id=\"106b4e6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-732307e premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"732307e\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">Card For Internet, Cable, Phone and Office Supplies <\/span><span class=\"premium-dual-header-second-header  gradient\">Chase Ink Business Cash<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d1fd795 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d1fd795\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dda788f\" data-id=\"dda788f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a30a6c elementor-widget elementor-widget-image\" data-id=\"6a30a6c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"527\" height=\"317\" src=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Ink-Business-Cash-Card-Image.png?fit=527%2C317&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Chase Ink Business Cash Card Image\" srcset=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Ink-Business-Cash-Card-Image.png?w=527&amp;ssl=1 527w, https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Chase-Ink-Business-Cash-Card-Image.png?resize=300%2C180&amp;ssl=1 300w\" sizes=\"(max-width: 527px) 100vw, 527px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b362e80 elementor-widget elementor-widget-text-editor\" data-id=\"b362e80\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong style=\"text-decoration-line: underline;\">Annual Fee:<\/strong><\/span> None<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a239e2 elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"0a239e2\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"4.6\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-6\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">4.6\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6901b0 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c6901b0\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/creditcards.chase.com\/business-credit-cards\/ink\/cash?iCELL=61FY\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-md elementor-animation-float\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Here<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75244fd elementor-widget elementor-widget-text-editor\" data-id=\"75244fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Recommended Credit Score: 670+<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2d0963e\" data-id=\"2d0963e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1332431 elementor-widget elementor-widget-heading\" data-id=\"1332431\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6614b3 elementor-widget elementor-widget-text-editor\" data-id=\"a6614b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer:<\/strong><\/span> Earn $500 bonus (50,000 Ultimate Rewards Points) after spending $3,000 on purchases in the first 3 months.<\/li><li>Earn 5% cash back (5x Ultimate Rewards Points) on the first $25,000 in combined purchases made at <span style=\"text-decoration: underline;\">office supply stores and on internet, phone and cable services<\/span> each account anniversary year.<\/li><li>Earn 2% cash back (2x Ultimate Rewards Points) on the first $25,000 in combined purchases made at <span style=\"text-decoration: underline;\">restaurants and gas stations<\/span> each account anniversary year.<\/li><\/ul><p>Read my full review of the Ink Business Cash card here (coming soon)<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3db3361 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3db3361\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-95164bb\" data-id=\"95164bb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-81442e5 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"81442e5\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-81442e5\" data-accordion-id=\"81442e5\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1351\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-1351\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1351\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><span style=\"text-decoration: underline;\"><strong>Rental Car Insurance<\/strong><\/span> - If you reserve and pay with the Ink Business Cash card and decline the collision damage waiver, you will be covered if the car is stolen or damaged. Insurance is <span style=\"text-decoration: underline;\">primary<\/span><u> coverage in the U.S. and abroad when renting for business purposes<\/u>. This coverage<span style=\"text-decoration: underline;\">\u00a0kicks in before your<\/span> own personal insurance. You will be reimbursed up to the actual cash value of the rental car.<\/li><li><span style=\"text-decoration: underline;\"><strong>Purchase Protection<\/strong><\/span> - Your new purchases are covered for 120 days against damage or theft up to <span style=\"text-decoration: underline;\">$10,000 per claim and $50,000 per account<\/span>.<\/li><li><span style=\"text-decoration: underline;\"><strong>Extended Warranty<\/strong><\/span> - You get 1 additional year added to the manufacturer's warranty of <span style=\"text-decoration: underline;\">3 years or less<\/span> in the U.S.<\/li><li>Employee cards at no additional cost. You can set the spending limits for individual employees.<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1352\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-1352\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1352\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>No annual fee<\/li><li>High rewards rate on internet, phone and cable services, and office supply stores<\/li><li>High welcome offer for a no annual fee card<\/li><li>Chase Offers<\/li><li>Ability to transfer points to other Chase cards, including personal cards such as the Sapphire Reserve and get higher value per point<\/li><li>Great rental car insurance and decent purchase protection and extended warranty<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>Foreign transaction fee (3%)<\/li><li>Bonus categories may not align with business spending<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1353\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-1353\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1353\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>The Ink Business Cash card from Chase is my first business credit card. I opened this card back in December of 2019 when I was thinking of starting Smart Living Scientist. However, I didn't officially start my blog until July 4th of 2020 but I was still able to make good use of this card.<\/p><p>\u00a0<\/p><p>I opened this card for its 5% cash back, which is essentially 5x Ultimate Rewards Points per dollar spent on <span style=\"text-decoration: underline;\">internet, phone and cable services<\/span>. Prior to this, I had no card that earned higher than 1.5x in this category. Internet and cable is one of the higher bills I pay each month so I really wanted to maximize my reward earnings in this category.<\/p><p>\u00a0<\/p><p>Although this is a business credit card, I can still use it for personal spending. These cards are meant to make it easier for you keep your personal and business expenses separate. Making personal purchases with business cards will make it a little more difficult to sort out the business expenses from the personal expenses but I personally do not mind this.<\/p><p>\u00a0<\/p><p>You don't even need to have your own business to be qualified for business credit cards. Simply having a side hustle and being a freelancer or independent contractor will qualify you for these cards.\u00a0<\/p><p>\u00a0<\/p><p>The 2x on gas purchases also worked out for me because I didn't have a card that earned more than 1.5x and I was doing Uber prior to the pandemic. By doing Uber, I was qualified for this small business credit card.<\/p><p>\u00a0<\/p><p><span style=\"text-decoration: underline;\">The great thing about Chase's business cards is that points can be transferred to personal Chase credit cards<\/span> such as the Sapphire Reserve. This is an outstanding benefit as business cards tend to have bonus categories that are not typically offered by personal credit cards. This allows me to earn more than 1.5x on a broader range of spending.<\/p><p>\u00a0<\/p><p>And the points I earn with this card will be transferred to my Sapphire Reserve to be redeemed for travel.<\/p><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6fc5bb1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6fc5bb1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-400fee4\" data-id=\"400fee4\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8b795b4 premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"8b795b4\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">Card For Amazon Purchases <\/span><span class=\"premium-dual-header-second-header  gradient\">Amazon Prime Rewards<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-10ed6a4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"10ed6a4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-504d884\" data-id=\"504d884\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4469520 elementor-widget elementor-widget-image\" data-id=\"4469520\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"505\" height=\"317\" src=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Amazon-Prime-Rewards-Credit-Card.png?fit=505%2C317&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Amazon Prime Rewards Credit Card\" srcset=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Amazon-Prime-Rewards-Credit-Card.png?w=505&amp;ssl=1 505w, https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Amazon-Prime-Rewards-Credit-Card.png?resize=300%2C188&amp;ssl=1 300w\" sizes=\"(max-width: 505px) 100vw, 505px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0843b63 elementor-widget elementor-widget-text-editor\" data-id=\"0843b63\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong style=\"text-decoration-line: underline;\">Annual Fee:<\/strong><\/span>\u00a0None<br \/>(Prime Membership Required)<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbde672 elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"fbde672\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"3.7\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-7\">&#xE933;<\/i><i class=\"elementor-star-empty\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">3.7\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95817ce elementor-align-center elementor-widget elementor-widget-button\" data-id=\"95817ce\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.amazon.com\/Amazon-Prime-Rewards-Visa-Signature-Card\/dp\/BT00LN946S\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-md elementor-animation-float\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Here<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5cdcc0 elementor-widget elementor-widget-text-editor\" data-id=\"f5cdcc0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Recommended Credit Score: 640+<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e1d54b5\" data-id=\"e1d54b5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11052bf elementor-widget elementor-widget-heading\" data-id=\"11052bf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-705d270 elementor-widget elementor-widget-text-editor\" data-id=\"705d270\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer:<\/strong><\/span> $100 Amazon Gift Card<\/li><li>Earn 5% cash back on purchases made at <span style=\"text-decoration: underline;\">Amazon and Whole Foods Market<\/span>.<\/li><li>Earn 2% cash back on purchases made at <span style=\"text-decoration: underline;\">restaurants, gas stations and drugstores<\/span>.<\/li><\/ul><p>Read my full review of the Amazon Prime Rewards card here (coming soon)<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2f10766 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2f10766\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0ad6793\" data-id=\"0ad6793\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a79b5b0 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"a79b5b0\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-a79b5b0\" data-accordion-id=\"a79b5b0\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1751\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-1751\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1751\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><span style=\"text-decoration: underline;\"><strong>Purchase Protection<\/strong><\/span> - Your new purchases are covered for 120 days against damage or theft up to <span style=\"text-decoration: underline;\">$500 per claim and $50,000 per account<\/span>.<\/li><li><span style=\"text-decoration: underline;\"><strong>Extended Warranty<\/strong><\/span> - You get 1 additional year added to the manufacturer's warranty of <span style=\"text-decoration: underline;\">3 years or less<\/span> in the U.S.<\/li><li><span style=\"text-decoration: underline;\"><strong>Baggage Delay Insurance<\/strong><\/span> - You can be reimbursed for essential purchases such as toiletries and clothing for <span style=\"text-decoration: underline;\">baggage delays over 6 hours<\/span> by the carrier up to<span style=\"text-decoration: underline;\"> $100 per day for 3 days<\/span>.<\/li><li><span style=\"text-decoration: underline;\"><strong>Lost Baggage Reimbursement<\/strong><\/span> - Covers you or your immediate family members on <span style=\"text-decoration: underline;\">up to $3,000 per passenger for checked or carry-on bags damaged or lost by the carrier<\/span><\/li><li><span style=\"text-decoration: underline;\"><strong>Travel Accident Insurance<\/strong><\/span> - You are eligible for accidental death or dismemberment coverage of up to $500,000 when you pay for air, bus, train or cruise transportation with your card<\/li><li>No foreign transaction fee<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1752\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-1752\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1752\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>No annual fee<\/li><li>No foreign transaction fee<\/li><li>High rewards rate on purchases made at Amazon and Whole Foods<\/li><li>Chase Offers<\/li><li>Decent travel and purchase protection<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>Requires Amazon Prime Membership<\/li><li>No rental car insurance<\/li><li>Can redeem for travel but have to book over phone and travel rewards are subject to availability<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"1753\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-1753\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-1753\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>I opened the Amazon Prime card back in 2017 when we purchased our first house. We bought many things from Amazon, including supplies and furniture, so I signed up for Amazon Prime to get free 2-day shipping. <span style=\"text-decoration: underline;\">It made sense to open the Amazon Prime Rewards credit card since it cost nothing to own with a Prime Membership and the rewards are good<\/span>. I could always downgrade to the Amazon Rewards credit card if I ever decide to cancel my Prime Membership.<\/p><p>\u00a0<\/p><p>Unless the rotational category for the Chase Freedom card is Amazon.com (5x UR Points) or there's a special Amex Offer that gives me bonus points (+5 MR Points), I use this card strictly for purchases made at Amazon.com. I also use this card for purchases made at Whole Foods (for the one or two times a year I shop here). This used to be my go-to card for gas stations and restaurants. That quickly changed when I opened my Sapphire Reserve card (restaurants) and Freedom Unlimited (gas).\u00a0<\/p><p>\u00a0<\/p><p>This card gives me <span style=\"text-decoration: underline;\">5% cash back for all purchases made at Amazon.com<\/span>, which is quite good. It's among the best rewards credit card for Amazon purchases. Again, the only time I would not use this card for Amazon.com is if my other cards give me better earnings.<\/p><p>\u00a0<\/p><p>The Amazon Prime Rewards card also has no annual fee and it comes with a slew of benefits. Because it's a Visa Signature card it has a couple of travel benefits such as baggage delay and lost baggage protection, as well as travel accident insurance. Combined with no foreign transaction fees, <span style=\"text-decoration: underline;\">this card is a great beginner card to use for travel that cost nothing to own<\/span>.<\/p><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-268bb03 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"268bb03\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41bd5cb\" data-id=\"41bd5cb\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-885cf5d premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"885cf5d\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">Card For Stays &amp; Annual Free Night at Hyatt Hotels <\/span><span class=\"premium-dual-header-second-header  gradient\">World of Hyatt<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9472b89 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9472b89\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8ab012f\" data-id=\"8ab012f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8c35c92 elementor-widget elementor-widget-image\" data-id=\"8c35c92\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"506\" height=\"317\" src=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/World-of-Hyatt-Credit-Card-Image.png?fit=506%2C317&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"World of Hyatt Credit Card\" srcset=\"https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/World-of-Hyatt-Credit-Card-Image.png?w=506&amp;ssl=1 506w, https:\/\/i2.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/World-of-Hyatt-Credit-Card-Image.png?resize=300%2C188&amp;ssl=1 300w\" sizes=\"(max-width: 506px) 100vw, 506px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bdb0b1 elementor-widget elementor-widget-text-editor\" data-id=\"8bdb0b1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong style=\"text-decoration-line: underline;\">Annual Fee:<\/strong><\/span> $95<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24f82bd elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"24f82bd\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"4.6\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-6\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">4.6\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1050bae elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1050bae\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.referyourchasecard.com\/205a\/4DPTW7ZN7V\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-md elementor-animation-float\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-flask\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Here<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b16feba elementor-widget elementor-widget-text-editor\" data-id=\"b16feba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Recommended Credit Score: 700+<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c80f659\" data-id=\"c80f659\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f437c36 elementor-widget elementor-widget-heading\" data-id=\"f437c36\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b1adca elementor-widget elementor-widget-text-editor\" data-id=\"6b1adca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li style=\"list-style-type: none;\"><ul><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer:<\/strong><\/span> Earn 25,000 Bonus Points after spending $3,000 within the first three months and an additional 25,000 points after spending $6,000 total within 6 months <span style=\"text-decoration: underline;\"><strong>OR<\/strong><\/span> $200 statement credit and 1 FREE NIGHT at any Category 1-7 hotel or resort worldwide after spending $3,000 within the first three months.<\/li><li><strong><span style=\"text-decoration: underline;\">Limited Time Offer:<\/span><\/strong> Earn 10 qualifying nights towards elite tier status in 2020 and 2021 when you apply by December 31, 2020.<\/li><li><strong>Free night every year at any Category 1-4 hotel or resort<\/strong><\/li><li>Earn 9x Bonus Points on <span style=\"text-decoration: underline;\">Hyatt stays<\/span>.<\/li><li>Earn 2x Bonus Points on purchases made at <span style=\"text-decoration: underline;\">restaurants.<\/span><\/li><li>Earn 2x Bonus Points on <span style=\"text-decoration: underline;\">flights purchased directly from the airline<\/span>.<\/li><li>Earn 2x Bonus Points on club and <span style=\"text-decoration: underline;\">gym memberships<\/span>.<\/li><li>Earn 2x Bonus Points on local transit and commuting, including <span style=\"text-decoration: underline;\">taxis, mass transit, tolls and ride-share services<\/span>.<\/li><\/ul><\/li><\/ul><p>Read my full review of the World of Hyatt card here (coming soon)<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fa8a1de elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa8a1de\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-920d506\" data-id=\"920d506\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ceb644 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"4ceb644\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-4ceb644\" data-accordion-id=\"4ceb644\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"8061\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-8061\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-8061\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><span style=\"text-decoration: underline;\"><strong>Annual Free Night<\/strong><\/span> - Get 1 free night at any Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary. In addition get an <span style=\"text-decoration: underline;\">extra free night<\/span> if you spend $15,000 during your cardmember anniversary year.<\/li><li><span style=\"text-decoration: underline;\"><strong>Purchase Protection<\/strong><\/span> - Your new purchases are covered for 120 days against damage or theft up to <span style=\"text-decoration: underline;\">$500 per claim and $50,000 per account<\/span>.<\/li><li><span style=\"text-decoration: underline;\"><strong>Baggage Delay Insurance<\/strong><\/span> - You can be reimbursed for essential purchases such as toiletries and clothing for <span style=\"text-decoration: underline;\">baggage delays over 6 hours<\/span> by the carrier up to<span style=\"text-decoration: underline;\"> $100 per day for 5 days<\/span>.<\/li><li><span style=\"text-decoration: underline;\"><strong>Lost Baggage Reimbursement<\/strong><\/span> - Covers you or your immediate family members on <span style=\"text-decoration: underline;\">up to $3,000 per passenger for checked or carry-on bags damaged or lost by the carrier<\/span><\/li><li><span style=\"text-decoration: underline;\"><strong>Trip Cancellation\/Trip Interruption Insurance<\/strong><\/span> -\u00a0\u00a0Get reimbursed up to <span style=\"text-decoration: underline;\">$5,000 per trip<\/span> if your trip is canceled or cut short by sickness, severe weather, and other covered situations. Coverage is only for <span style=\"text-decoration: underline;\">pre-paid, non-refundable travel expenses<\/span>, including passenger fares, tours, and hotels.<\/li><li>No foreign transaction fee.<\/li><li>24 hours a day Visa Signature Concierge Service.<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"8062\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-8062\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-8062\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>No annual fee<\/li><li>No foreign transaction fee<\/li><li>High rewards rate on purchases made at Amazon and Whole Foods<\/li><li>Chase Offers<\/li><li>Decent travel and purchase protection<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>Requires Amazon Prime Membership<\/li><li>No rental car insurance<\/li><li>Can redeem for travel but have to book over phone and travel rewards are subject to availability<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"8063\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-8063\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-8063\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>The World of Hyatt credit card was on my list of cards I eventually plan on opening in the future. However, the pandemic changed those plans and I decided to open it in April earlier this year. Chase and Hyatt gave the normal welcome offer a boost and offered 10 elite qualifying nights towards elite status, which is double the normal offer. I also had large purchases to make for my wedding, which made meeting the welcome offer requirements easier.<\/p><p>\u00a0<\/p><p>Earlier in the year I did not expect the pandemic to last as long and to be as devastating. I figured I could be traveling in the last quarter of the year and planned to stay at Hyatt hotels to earn Explorist status. Any status that is earned this year is carried through all of 2021, which is one main reason I opened this card. Unfortunately that did not happen.<\/p><p>\u00a0<\/p><p>Even though my plans did not go accordingly, it was still worth opening this card simply because it can otherwise be difficult to meet the spending requirement for the welcome offer, which is $6,000 in 6 months. I had to put a large deposit for my wedding earlier this year, which helped me earn the welcome offer.<\/p><p>\u00a0<\/p><p>I also earn a<span style=\"text-decoration: underline;\"> free night at at any Category 1-4 Hyatt hotel or resort<\/span> during my account anniversary every year. Hyatt points are one of the most valuable hotel points. Nights at Category 3 and 4 hotels typically include places such as Grand Hyatt which can go for well over $100 per night. This allows me to easily recoup the $95 annual fee. With the pandemic limiting travel, I plan to make good use of this free night reward when we go to \"make up for lost travel\" once the world opens up for travel again.<\/p><p>\u00a0<\/p><p>I will be using this card whenever I stay at Hyatt hotels or resorts. Even if I cannot travel for work or may not be able to in the future even after the pandemic, I can recoup the annual fee as long as I utilize the annual free night each year.<\/p><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ac0615 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ac0615\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66d1020\" data-id=\"66d1020\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-235aaa5 elementor-widget elementor-widget-heading\" data-id=\"235aaa5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">My one Citi credit card<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdd59b7 elementor-widget elementor-widget-text-editor\" data-id=\"fdd59b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>This is my very first credit card and the longest card I&#8217;ve owned to date. It is the only one I have from Citi. Citi&#8217;s ThankYou Reward program is in my opinion the third best credit card reward program, behind American Express&#8217;s Membership Rewards and Chase&#8217;s Ultimate Rewards. And because of that, I focus more on the credit cards from Amex and Chase.<\/p><p>Much like Amex and Chase, Citi&#8217;s credit card lineup includes a broad range of bonus categories, including travel, dining and groceries.\u00a0Similar to Chase, ThankYou Reward Points earned on entry-level cards such as the Citi Rewards+ can be transferred to a premium card such as the Citi Prestige to increase the value of the points.<\/p><p>While the perks, benefits and transfer partners are not as great as Amex and Chase, Citi has the highest reward earning for dining and tied with Amex for air travel at 5x. Citi also has the highest reward earnings for gas purchases.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e811442 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e811442\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a07aa2a\" data-id=\"a07aa2a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e008267 premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"e008267\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">Occasional Card For Entertainment Purchases <\/span><span class=\"premium-dual-header-second-header  gradient\">Citi ThankYou Preferred<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ad92346 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad92346\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ed0a4ce\" data-id=\"ed0a4ce\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-068cce8 elementor-widget elementor-widget-image\" data-id=\"068cce8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"522\" height=\"328\" src=\"https:\/\/i1.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Citi-ThankYou-Preferred-Card-Image.png?fit=522%2C328&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Citi ThankYou Preferred Credit Card\" srcset=\"https:\/\/i1.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Citi-ThankYou-Preferred-Card-Image.png?w=522&amp;ssl=1 522w, https:\/\/i1.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/10\/Citi-ThankYou-Preferred-Card-Image.png?resize=300%2C189&amp;ssl=1 300w\" sizes=\"(max-width: 522px) 100vw, 522px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6233671 elementor-widget elementor-widget-text-editor\" data-id=\"6233671\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong style=\"text-decoration-line: underline;\">Annual Fee:<\/strong><\/span> None<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c41e235 elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"c41e235\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"3\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-empty\">&#xE933;<\/i><i class=\"elementor-star-empty\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">3\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9e3bc7f\" data-id=\"9e3bc7f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f2c1bc elementor-widget elementor-widget-heading\" data-id=\"1f2c1bc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d3c693 elementor-widget elementor-widget-text-editor\" data-id=\"1d3c693\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li style=\"list-style-type: none;\"><ul><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer:<\/strong><\/span> None &#8211; this card is no longer available to new applicants and has been replaced by the Citi Rewards+ card.<\/li><li>Earn 2x ThankYou Reward Points on <span style=\"text-decoration: underline;\">dining and entertainment purchases<\/span>.<\/li><\/ul><\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-50b4403 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"50b4403\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-44ffcec\" data-id=\"44ffcec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e3d9ebe elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"e3d9ebe\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-e3d9ebe\" data-accordion-id=\"e3d9ebe\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2381\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-2381\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2381\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><span style=\"text-decoration: underline;\"><strong>Purchase Protection<\/strong><\/span> - Your new purchases are covered for 90 days against damage or theft.<\/li><li><span style=\"text-decoration: underline;\"><strong>Extended Warranty<\/strong><\/span> -\u00a0You get 2 additional years added to the manufacturer's warranty.<\/li><li><span style=\"text-decoration: underline;\"><strong>Citi Private Pass<\/strong><\/span> - Provides presale and preferred access tickets to select events and experiences in big cities. The four categories are: music, sports, dining and theater.<\/li><li><span style=\"text-decoration: underline;\"><strong>ShopRunner Membership<\/strong><\/span> - Complimentary membership to ShopRunner which gives you free 2-day shipping and free returns at participating merchants when you use your card to pay.<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2382\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-2382\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2382\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>No annual fee<\/li><li>One of few cards with bonus earnings for entertainment<\/li><li>Complimentary ShopRunner Membership<\/li><li>Access to preferred and presale tickets to select events and experiences via Citi Private Pass<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>Foreign transaction fee (3%)<\/li><li>Limited points redemption options<\/li><li>Poor value redeeming points for cash (0.5 cents per point)<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2383\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-2383\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2383\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>The Citi ThankYou Preferred card used to be the Citi Forward card, which was the very first credit card I owned back in high school. I was very fortunate that my parents opened a student credit card for me when I was a senior in high school. That allowed me to start building my credit early, though I did not use it much mostly because I did not know how rewarding credit cards are and I was afraid of getting into debt.<\/p><p>\u00a0<\/p><p>Since the Forward card became the ThankYou Preferred card, I have only used this card once each year. And that is only because there were promotions to redeem ThankYou Points for 20% or $20 off purchases of $50 or more. This card does not see much usage due to my slew of other credit cards, all of which have higher earning rates for the same categories.\u00a0<\/p><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b31f04 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b31f04\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6056098\" data-id=\"6056098\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd3dc04 elementor-widget elementor-widget-heading\" data-id=\"bd3dc04\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cards I'm Getting In The Future<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0fdc3c premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"d0fdc3c\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">Primary Card For Airfare Purchases and Lounge Access <\/span><span class=\"premium-dual-header-second-header  gradient\">American Express Platinum Card<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ec21df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ec21df\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1e5e7bf\" data-id=\"1e5e7bf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-edd5295 elementor-widget elementor-widget-image\" data-id=\"edd5295\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"501\" height=\"317\" src=\"https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/11\/Amex-Platinum-Card-Image.png?fit=501%2C317&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Amex Platinum Card\" srcset=\"https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/11\/Amex-Platinum-Card-Image.png?w=501&amp;ssl=1 501w, https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/11\/Amex-Platinum-Card-Image.png?resize=300%2C190&amp;ssl=1 300w\" sizes=\"(max-width: 501px) 100vw, 501px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f810ee1 elementor-widget elementor-widget-text-editor\" data-id=\"f810ee1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong style=\"text-decoration-line: underline;\">Annual Fee:<\/strong><\/span> $550<br \/><span style=\"text-decoration: underline;\"><strong>Uber Credit:<\/strong><\/span> $200<br \/><strong><span style=\"text-decoration: underline;\">Annual Airline Fee Credit:<\/span><\/strong> $200<br \/><span style=\"text-decoration: underline;\"><strong>Saks Fifth Avenue Credit:<\/strong><\/span> $100<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38fede5 elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"38fede5\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"4.5\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-5\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">4.5\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-141ccfa elementor-align-center elementor-widget elementor-widget-button\" data-id=\"141ccfa\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card\/platinum\/\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-md elementor-animation-float\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Here<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f76f106\" data-id=\"f76f106\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee1ea84 elementor-widget elementor-widget-heading\" data-id=\"ee1ea84\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ced78ba elementor-widget elementor-widget-text-editor\" data-id=\"ced78ba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li style=\"list-style-type: none;\"><ul><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer:<\/strong><\/span> Earn 60,000 Membership Rewards Points (worth $600 or more) after spending $5,000 in purchases within the first 3 months. <strong>**<\/strong>You may be targeted for <span style=\"text-decoration: underline;\">100,000 Membership Rewards Points<\/span> via the <a href=\"https:\/\/www.creditcards.com\/cardmatch\/\" target=\"_blank\" rel=\"noopener\">CardMatch Tool<\/a><strong>**<\/strong><\/li><li>Earn 5x Membership Rewards Points on <span style=\"text-decoration: underline;\">flights booked directly with airlines or on amextravel.com<\/span>.<\/li><li>Earn 5x Membership Rewards Points on <span style=\"text-decoration: underline;\">hotels booked on amextravel.com<\/span>.<\/li><li><strong>Complimentary Marriott Bonvoy Gold status and Hilton Honors Gold status\u00a0<\/strong><\/li><\/ul><\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a57bd8e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a57bd8e\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8a5c4bd\" data-id=\"8a5c4bd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f0c377b elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"f0c377b\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-f0c377b\" data-accordion-id=\"f0c377b\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2521\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-2521\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2521\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><span style=\"text-decoration: underline;\"><strong>Uber VIP Status<\/strong><\/span> - Automatically get Uber VIP status by owning this card. Uber VIP is only available at select cities and provides benefits such as connecting you to drivers with at least a 4.8 star rating and \u201chigh quality cars.\u201d There is no additional cost \u2013 rates are the same as non-VIP rides. Downside to this is that there are not many VIP vehicles on the road so wait times may be longer.<\/li><li><span style=\"text-decoration: underline;\"><strong>$200 Uber Cash<\/strong><\/span> - Every year, you will receive a $15 statement credit each month and a $20 bonus for a total of $35 in December for Uber. These statement credits can be automatically applied toward Uber rides or Uber Eats. These credits do not roll over; if you do not use them in the month they are issued, you lose them.<\/li><li><span style=\"text-decoration: underline;\"><strong>$200 Airline Fee Credit<\/strong><\/span> -\u00a0This $200 statement credit can be automatically applied towards incidental air travel fees, such as baggage fees, seat changes fees or inflight meals and drinks at <u>one selected qualifying airline<\/u>. You can choose or change your airline of choice via American Express's website in January once each year.<\/li><li><span style=\"text-decoration: underline;\"><strong>$100 Saks Credit<\/strong><\/span> - Receive up to $50 worth of statement credits from January through June and another $50 from July through December for purchases made at Saks Fifth Avenue. No purchase minimum and this is <u>not automatic - you must enroll<\/u>.<\/li><li><span style=\"text-decoration: underline;\"><strong>$100 Resort Credit<\/strong><\/span> - When you book a stay through the\u00a0<a href=\"https:\/\/www.americanexpress.com\/en-us\/travel\/the-hotel-collection\/\" target=\"_blank\" rel=\"noopener\">Amex Hotel Collection<\/a>, for two consecutive nights or longer, you'll get you\u2019ll up to $100 credit toward dining, spa and resort activities at the property. You also earn <span style=\"text-decoration: underline;\">5x points on your purchase<\/span> and a room upgrade.<\/li><li><span style=\"text-decoration: underline;\"><strong>Global Entry or TSA Pre Fee Credit<\/strong><\/span> - Up to $100 in credits every 4 years for the application fee for Global Entry or TSA Precheck. Both gets you through airport security lines quicker and does not require you to take electronics out from your bag, your shoes off, etc. Global Entry gets you through customs screening quicker. Getting Global Entry automatically gets you TSA Precheck.<\/li><li><span style=\"text-decoration: underline;\"><strong>Amex Centurion &amp; International Lounges<\/strong><\/span> - Complimentary access to American Express\u2019s own airport lounges. There are only a handful of Centurion lounges in the U.S. and these lounges usually provide better luxuries and amenities than other lounges. The international lounges are also equally as nice. Both lounges are usually not as crowded as Priority Pass lounges because it\u2019s harder and more expensive to get access unless you carry the Platinum card.<\/li><li><span style=\"text-decoration: underline;\"><strong>Delta Sky Club<\/strong><\/span> - Complimentary access to Delta Sky Club lounges when flying Delta. Normally you would need to be a Delta elite member or own a Delta credit card for access.<\/li><li><span style=\"text-decoration: underline;\"><strong>Priority Pass Select Membership<\/strong><\/span> -\u00a0Access to 1,000+ Priority Pass airport lounges in over 500 cities worldwide for you and two guests. Authorized users do not receive this membership. <u>This Priority Pass Membership does not come with partner restaurants<\/u> like the one from the Chase Sapphire Reserve.<\/li><li><span style=\"text-decoration: underline;\"><strong>Complimentary Marriott Bonvoy Gold<\/strong><\/span> - Receive automatic Marriott Bonvoy Gold status without having to meet any stay requirements. Comes with various perks and benefits such as room upgrades and late checkout.<\/li><li><span style=\"text-decoration: underline;\"><strong>Complimentary Hilton Honors Gold<\/strong><\/span> - Receive automatic Hilton Honors Gold status without having to meet any stay requirements. Comes with various perks and benefits such as late checkout and complimentary bottles of water and breakfast.<\/li><li><strong><span style=\"text-decoration: underline;\">Fine Hotels &amp; Resorts<\/span><\/strong> - Book through this program and get elite-like benefits at over 1,000 properties in over 500 cities worldwide. Benefits include automatic room upgrades, if available, late checkout, complimentary breakfast and amenities unique to each property. Properties are well-rated luxury properties hand-selected by Amex.<\/li><li><u><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/car-rental-loss-and-damage-insurance-terms.html\"><strong>Rental Car Insurance<\/strong><\/a><\/u> - If you reserve and pay with the Platinum card and decline the collision damage waiver, you will be covered if the car is stolen or damaged. Insurance is <u>secondary coverage<\/u> and kicks in after and in addition to your own personal policy.\u00a0<u>Coverage is not available in Italy, Australia and New Zealand.\u00a0<\/u><\/li><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/baggage-insurance-plan-terms.html\"><strong><span style=\"text-decoration: underline;\">Baggage Insurance<\/span><\/strong><\/a> - Purchase the entire fare of your common carrier ticket and get<u> up to $3,000 in reimbursement<\/u> for lost, stolen or damaged checked or carry-on bags for <u>each covered person per covered trip<\/u>. This includes <u>up to $2,000 for checked baggage and combined maximum of $3,000 for checked and carry-on baggage<\/u>.\u00a0<\/li><li><span style=\"text-decoration: underline;\"><strong>Trip Cancellation and Interruption Insurance<\/strong><\/span> - Book a round-trip flight entirely with and if the flight is canceled for a \u201ccovered reason\u201d \u2014 including inclement weather, terrorist action, call to jury, sudden illness or injury to you or an eligible traveler \u2014 you may receive reimbursement of non-refundable travel expenses of <u>up to $10,000 per trip<\/u>, with a maximum of up to <u>$20,000 per eligible account<\/u> for each consecutive 12-month period.<\/li><li><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/trip-delay.html\"><strong>Trip Delay Reimbursement<\/strong><\/a><\/span> - Reimbursement of <u>up to $500<\/u> for eligible expenses such as meals, lodging and toiletries if you purchase your trip entirely with the card and your travel is <u>delayed by more than 6 hours<\/u> due to a covered reason. Total of 2 claims per 12 consecutive month period. <u>Paying taxes and fees on award tickets is also covered<\/u>.<\/li><li><u><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/purchase-protection-terms.html\"><strong>Purchase Protection<\/strong><\/a><\/u> - You are eligible for up to <u>$10,000 per claim and $50,000 per calendar year<\/u> to replace lost, stolen or damaged items purchased with the card <u>within 90 days<\/u> from date of purchase.<\/li><li><u><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/extended-warranty-terms.html\"><strong>Extended Warranty<\/strong><\/a><\/u> - You get up to 1 additional year added to the manufacturer's warranty of 5 years or less on covered purchases in the U.S. or its territories.<\/li><li><span style=\"text-decoration: underline;\"><strong>Return Protection<\/strong><\/span> - You may be refunded the full purchase price, excluding shipping and handling, if you try to <u>return an eligible item within 90 days<\/u> from date of purchase and the merchant won't take it back. <u>Up to $300 per item, up to a maximum of $1,000 per calendar year per account<\/u>. Purchases must be made in the U.S. or its territories.<\/li><li><span style=\"text-decoration: underline;\"><strong>ShopRunner Membership<\/strong><\/span> - Complimentary membership to ShopRunner which gives you free 2-day shipping and free returns at participating merchants when you use your card to pay.<\/li><li><span style=\"text-decoration: underline;\"><strong>American Express Experiences<\/strong><\/span> - Exclusive access to ticket presales and card member-only events in a nearby city.\u00a0<\/li><li><span style=\"text-decoration: underline;\"><strong>Premium Global Assist Hotline<\/strong><\/span> - 24\/7 medical, legal, financial and other select emergency assistance services while traveling 100 miles from home. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline.<\/li><li>Concierge service available day and night for making arrangements and reservations.<\/li><li>No foreign transaction fees.<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2522\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-2522\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2522\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>High reward rates for flights and hotels<\/li><li>Provides luxury travel benefits<\/li><li>Automatic Marriott Bonvoy Gold and Hilton Honors Gold elite statuses<\/li><li>Amex offers and credits<\/li><li>No foreign transaction fees<\/li><li>Great travel protection, rental car insurance, purchase protection, and extended warranty<\/li><li>Many credits, benefits and perks to offset annual fee<\/li><li>Points are transferrable to airline and hotel partners to get double the value or more<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>High annual fee<\/li><li>Annual fee is only worth it if credits can be mostly or fully utilized each year<\/li><li>Credits may be difficult to use<\/li><li>American Express is not accepted as widely as Visa or Mastercard<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2523\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-2523\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2523\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>The American Express Platinum card is not an ideal card based on my spending and lifestyle. It also competes directly against my Sapphire Reserve card from Chase. While there are benefits for carrying both the Sapphire Reserve and Platinum cards, I just don't travel enough to justify carrying both cards.<\/p><p>\u00a0<\/p><p>With that said, you can only receive the welcome offer on Amex credit cards <span style=\"text-decoration: underline;\">once per lifetime<\/span>. This means if you ever cancel any credit card from Amex and decide to open the same or similar card in the future, you will not be eligible to earn and receive the welcome offer.<\/p><p>\u00a0<\/p><p>I would only open the Platinum card just for the high welcome offer. If I get targeted for 100,000 Membership Rewards Points, which people have gotten via the <a href=\"https:\/\/www.creditcards.com\/cardmatch\/ms\/?\" target=\"_blank\" rel=\"noopener\">CardMatch Tool<\/a>, I will open it. I will then spend enough to earn the welcome offer and then cancel the card since there's no charge card with no annual fee in Amex's lineup. The Platinum card is a charge card like the Gold and I can only downgrade from a charge card to another charge card and it also must be within the same family of cards (i.e. cannot change it to a Delta Amex cobranded card).<\/p><p>\u00a0<\/p><p>Unfortunately, I have yet to be targeted with this offer so I will just wait until I do get this offer.<\/p><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b51ef2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b51ef2\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e80718\" data-id=\"7e80718\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75b6efa premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"75b6efa\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">Primary Card for Stays At Hilton Hotels &amp; Resorts <\/span><span class=\"premium-dual-header-second-header  gradient\">Hilton Honors Aspire from American Express<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a84091b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a84091b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d1150cf\" data-id=\"d1150cf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-de1bff4 elementor-widget elementor-widget-image\" data-id=\"de1bff4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"317\" src=\"https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/11\/Hilton-Honors-Aspire-Card-Image.png?fit=500%2C317&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Hilton Honors Aspire Card\" srcset=\"https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/11\/Hilton-Honors-Aspire-Card-Image.png?w=500&amp;ssl=1 500w, https:\/\/i0.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/11\/Hilton-Honors-Aspire-Card-Image.png?resize=300%2C190&amp;ssl=1 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebcdfbf elementor-widget elementor-widget-text-editor\" data-id=\"ebcdfbf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong>Annual Fee:<\/strong><\/span> $450<br \/><span style=\"text-decoration: underline;\"><strong>Annual Resort Credit:<\/strong><\/span> $250<br \/><span style=\"text-decoration: underline;\"><strong>Annual Airline Fee Credit:<\/strong><\/span> $250<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e04f66d elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"e04f66d\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"4.8\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-8\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">4.8\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2d08ab elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f2d08ab\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card\/hilton-honors-aspire\/\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-md elementor-animation-float\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Here<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-35f2350\" data-id=\"35f2350\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-27bfabe elementor-widget elementor-widget-heading\" data-id=\"27bfabe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c7db93 elementor-widget elementor-widget-text-editor\" data-id=\"8c7db93\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li style=\"list-style-type: none;\"><ul><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer:<\/strong><\/span> Earn 150,000 Hilton Honors Bonus Points (worth ~$900 or more) after spending $4,000 in purchases within the first 3 months.<\/li><li>Earn 14x Hilton Honors Bonus Points per dollar spent at Hilton hotels and resorts.<\/li><li>Earn 7x Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, and car rentals booked directly with select car rental companies.<\/li><li>Earn 7x Hilton Honors Bonus Points on dining at U.S. restaurants.<\/li><li>Earn 3x Hilton Honors Bonus Points on all other purchases.<\/li><li><strong>Complimentary Hilton Diamond status\u00a0<\/strong>(highest Hilton reward program status).<\/li><\/ul><\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7aae520 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7aae520\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9638056\" data-id=\"9638056\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eedcdc0 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"eedcdc0\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-eedcdc0\" data-accordion-id=\"eedcdc0\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2501\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-2501\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2501\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><span style=\"text-decoration: underline;\"><strong>Complimentary Diamond Status<\/strong><\/span> - Complimentary Diamond status for the <span style=\"text-decoration: underline;\">primary cardholder<\/span> (authorized users not included) as long as the card account is open. This is the highest status in the Hilton Honors program and comes with benefits such as free room upgrades, breakfast, etc.<\/li><li><span style=\"text-decoration: underline;\"><strong>Weekend Night Rewards<\/strong><\/span> - One <span style=\"text-decoration: underline;\">free weekend night reward<\/span> and every year after renewal. This can be redeemed at virtually any Hilton property worldwide <a href=\"https:\/\/hiltonhonors3.hilton.com\/en\/promotions\/weekend-reward.html\" target=\"_blank\" rel=\"noopener\">except the ones on this list<\/a>. You can earn a second weekend night when you spend $60,000 on the card each calendar year.<\/li><li><span style=\"text-decoration: underline;\"><strong>$250 Hilton Resort Statement Credit<\/strong><\/span> - During each cardmember year (defined when the account is opened), you'll receive up to $250 in statement credits at <a href=\"https:\/\/www3.hilton.com\/en\/resorts\/index.html?\" target=\"_blank\" rel=\"noopener\">participating Hilton resorts<\/a>, which can be used for dining, activities and spa treatments. This credit is automatically applied.<\/li><li><span style=\"text-decoration: underline;\"><strong>$250 Airline Fee Credit<\/strong><\/span> - This can be automatically applied <span class=\"\">toward incidental air travel fees, such as baggage fees, seat changes fees or inflight meals and drinks <span style=\"text-decoration: underline;\">at one selected qualifying airline<\/span>. You can choose or change your airline of choice via <\/span><span class=\"\">American Express's website<\/span><span class=\"\"> in January once each year.<\/span><\/li><li><span style=\"text-decoration: underline;\"><strong>$100 Hilton On-Property Credit<\/strong><\/span> - Receive up to $100 for incidentals during a two-night paid stay at Waldorf Astoria or Conrad properties through <a href=\"https:\/\/www.hiltonhonorsaspirecard.com\/\" target=\"_blank\" rel=\"noopener\">HiltonHonors.com\/aspirecard<\/a>. <span style=\"text-decoration: underline;\">It does not apply to the cost of the room<\/span>.<\/li><li><span style=\"text-decoration: underline;\"><strong>Priority Pass Select Membership<\/strong><\/span> -\u00a0Access to 1,000+ Priority Pass airport lounges in over 500 cities worldwide for you and two guests. Authorized users do not receive this membership. <span style=\"text-decoration: underline;\">This Priority Pass Membership does not come with partner restaurants<\/span> like the one from the Chase Sapphire Reserve.<\/li><li><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/car-rental-loss-and-damage-insurance-terms.html\"><strong>Rental Car Insurance<\/strong><\/a> <\/span>- If you reserve and pay with the Hilton Honors Aspire card and decline the collision damage waiver, you will be covered if the car is stolen or damaged. Insurance is <u>secondary coverage<\/u> and kicks in after and in addition to your own personal policy.\u00a0<span style=\"text-decoration: underline;\">Coverage is not available in Italy, Australia and New Zealand.\u00a0<\/span><\/li><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/baggage-insurance-plan-terms.html\"><strong><span style=\"text-decoration: underline;\">Baggage Insurance<\/span><\/strong><\/a> - Purchase the entire fare of your common carrier ticket and get<span style=\"text-decoration: underline;\"> up to $3,000 in reimbursement<\/span> for lost, stolen or damaged checked or carry-on bags for <span style=\"text-decoration: underline;\">each covered person per covered trip<\/span>. This includes n<span style=\"text-decoration: underline;\">o more than $2,000 for checked baggage and $1,000 for high risk items such as jewelry and electronics<\/span>.\u00a0<\/li><li><span style=\"text-decoration: underline;\"><strong>Trip Cancellation and Interruption Insurance<\/strong><\/span> - Book a round-trip flight entirely with and if the flight is canceled for a \u201ccovered reason\u201d \u2014 including inclement weather, terrorist action, call to jury, sudden illness or injury to you or an eligible traveler \u2014 you may receive reimbursement of non-refundable travel expenses of <span style=\"text-decoration: underline;\">up to $10,000 per trip<\/span>, with a maximum of up to <span style=\"text-decoration: underline;\">$20,000 per eligible account<\/span> for each consecutive 12-month period.<\/li><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/trip-delay.html\"><strong><span style=\"text-decoration: underline;\">Trip Delay Reimbursement<\/span><\/strong><\/a> - Reimbursement of <span style=\"text-decoration: underline;\">up to $500<\/span> per trip for eligible expenses such as meals, lodging and toiletries if you purchase your trip entirely with the card and your travel is <span style=\"text-decoration: underline;\">delayed by more than 6 hours<\/span> due to a covered reason. Total of 2 claims per 12 consecutive month period. <span style=\"text-decoration: underline;\">Paying taxes and fees on award tickets is also covered<\/span>.<\/li><li><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/purchase-protection-terms.html\"><strong>Purchase Protection<\/strong><\/a><\/span> - You are eligible for up to <span style=\"text-decoration: underline;\">$10,000 per claim and $50,000 per calendar year<\/span> to replace lost, stolen or damaged items purchased with the card <span style=\"text-decoration: underline;\">within 90 days<\/span> from date of purchase.<\/li><li><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/extended-warranty-terms.html\"><strong>Extended Warranty<\/strong><\/a><\/span> - You get up to 1 additional year added to the manufacturer's warranty of 5 years or less.<\/li><li><span style=\"text-decoration: underline;\"><strong>Return Protection<\/strong><\/span> - You may be refunded the full purchase price, excluding shipping and handling, if you try to <span style=\"text-decoration: underline;\">return an eligible item within 90 days<\/span> from date of purchase and the merchant won't take it back. <span style=\"text-decoration: underline;\">Up to $300 per item, up to a maximum of $1,000 per calendar year per account<\/span>. Purchases must be made in the U.S. or its territories.<\/li><li><span style=\"text-decoration: underline;\"><strong>ShopRunner Membership<\/strong><\/span> - Complimentary membership to ShopRunner which gives you free 2-day shipping and free returns at participating merchants when you use your card to pay.<\/li><li><span style=\"text-decoration: underline;\"><strong>American Express Experiences<\/strong><\/span> - Exclusive access to ticket presales and card member-only events in a nearby city.\u00a0<\/li><li><span style=\"text-decoration: underline;\"><strong>Premium Global Assist Hotline<\/strong><\/span> - 24\/7 medical, legal, financial and other select emergency assistance services while traveling 100 miles from home. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline.<\/li><li>Concierge service available day and night for making arrangements and reservations.<\/li><li>No foreign transaction fees.<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2502\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-2502\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2502\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>High reward rates for stays at Hilton properties<\/li><li>Automatic Diamond elite status (highest status)<\/li><li>Amex offers and credits<\/li><li>No foreign transaction fees<\/li><li>Free weekend night(s) available upon opening and then after each account anniversary<\/li><li>Great travel protection, rental car insurance, purchase protection, and extended warranty<\/li><li>Many credits, benefits and perks to offset annual fee<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>High annual fee<\/li><li>Annual fee is only worth it if airline fee and resort credits are mostly or fully utilized each year<\/li><li>Even though earning rates are high, Hilton Honors Bonus Points are worth less than other rewards programs, about 0.6 cents per point.<\/li><li>American Express is not accepted as widely as Visa or Mastercard<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2503\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-2503\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2503\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>The Hilton Honors Aspire card from American Express is on my list of cards to open because of its outstanding perks and benefits. This card will cost nothing to own if I stay at an eligible Hilton property once a year and utilize the free weekend night reward, which should not be difficult to do.<\/p><p>\u00a0<\/p><p>The free weekend night award is available shortly after opening the card. Depending on the property, one weekend night can easily run $100 or more. The $250 resort credit can be <span style=\"text-decoration: underline;\">applied towards the cost of the room<\/span> in addition to <span style=\"text-decoration: underline;\">dining, activities and spa treatments<\/span>. Combined with the perks such as complimentary Diamond status, which provides free breakfast and room upgrades, I can more than make up the annual fee.<\/p><p>\u00a0<\/p><p>I plan to use this card for yearly short weekend getaways at Hilton properties.\u00a0<\/p><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8fbf810 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8fbf810\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0fce4ea\" data-id=\"0fce4ea\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-00d0850 premium-header-block elementor-widget elementor-widget-premium-addon-dual-header\" data-id=\"00d0850\" data-element_type=\"widget\" data-widget_type=\"premium-addon-dual-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n\t<div class=\"premium-dual-header-container\">\r\n\t\t\t\t<div class=\"premium-dual-header-first-container\">\r\n\t\t\t<h3 class=\"premium-dual-header-first-header \"><span class=\"premium-dual-header-first-span\">Primary Card for Stays At Marriott Hotels &amp; Resorts <\/span><span class=\"premium-dual-header-second-header  gradient\">Marriott Bonvoy Brilliant from American Express<\/span><\/h3> \t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3f33209 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3f33209\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-18c6900\" data-id=\"18c6900\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ac8d9b1 elementor-widget elementor-widget-image\" data-id=\"ac8d9b1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"317\" src=\"https:\/\/i1.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/11\/Marriott-Bonvoy-Brilliant-Card-Image.png?fit=500%2C317&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Marriott Bonvoy Brilliant Card\" srcset=\"https:\/\/i1.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/11\/Marriott-Bonvoy-Brilliant-Card-Image.png?w=500&amp;ssl=1 500w, https:\/\/i1.wp.com\/smartlivingscientist.com\/wp-content\/uploads\/2020\/11\/Marriott-Bonvoy-Brilliant-Card-Image.png?resize=300%2C190&amp;ssl=1 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8c4fd5 elementor-widget elementor-widget-text-editor\" data-id=\"f8c4fd5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong>Annual Fee:<\/strong><\/span> $450<br \/><span style=\"text-decoration: underline;\"><strong>Annual Statement Credit:<\/strong><\/span> $300<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4f1755 elementor-star-rating--align-center elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"b4f1755\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\"> SLS Rating:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"4.8\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-8\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">4.8\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e226a3 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7e226a3\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card\/marriott-bonvoy-brilliant\/\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-md elementor-animation-float\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Here<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-092e921\" data-id=\"092e921\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-091d876 elementor-widget elementor-widget-heading\" data-id=\"091d876\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Highlights<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-101dba2 elementor-widget elementor-widget-text-editor\" data-id=\"101dba2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li style=\"list-style-type: none;\"><ul><li><span style=\"text-decoration: underline;\"><strong>Welcome Offer:<\/strong><\/span> Earn 100,000 Marriott Bonvoy Points (worth ~$800 or more) after spending $5,000 in purchases within the first 3 months.<\/li><li><strong>New Limited Time Offer:<\/strong> Earn an additional 25,000 points after your first anniversary of owning the card and Marriott Bonvoy Platinum elite status for one year in 2021. <strong>**<\/strong>Offer Expires 1\/13\/2021<strong>**<\/strong><\/li><li>Earn 6x Marriott Bonvoy Bonus Points per dollar spent at participating Marriott Bonvoy hotels.<\/li><li>Earn 3x Marriott Bonvoy Points at U.S. restaurants and on flights booked directly with airlines.<\/li><li>Earn 2x Marriott Bonvoy Points on all other purchases.<\/li><li><strong>Complimentary <a href=\"https:\/\/www.marriott.com\/loyalty\/member-benefits\/platinum.mi\" target=\"_blank\" rel=\"noopener\" data-wplink-edit=\"true\">Marriott Bonvoy Platinum Elite<\/a> status<\/strong>.<\/li><\/ul><\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72362fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72362fc\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f180180\" data-id=\"f180180\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dbd012d elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"dbd012d\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-dbd012d\" data-accordion-id=\"dbd012d\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"other-key-features\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2301\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-2301\"><h4 class=\"eael-accordion-tab-title\">Other Key Features<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2301\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"other-key-features\"><p><ul><li><span style=\"text-decoration: underline;\"><strong>Complimentary Platinum Elite Status<\/strong><\/span> - Complimentary <a href=\"https:\/\/www.marriott.com\/loyalty\/member-benefits\/platinum.mi\" target=\"_blank\" rel=\"noopener\">Bonvoy Platinum Elite<\/a> status for the <span style=\"text-decoration: underline;\">primary cardholder<\/span> (authorized users not included) one year in 2021. After 2021, you get <a href=\"https:\/\/www.marriott.com\/loyalty\/member-benefits\/gold.mi\" target=\"_blank\" rel=\"noopener\">Bonvoy Gold Elite<\/a> status.<\/li><li><span style=\"text-decoration: underline;\"><strong>Annual Free Night Award<\/strong><\/span> - Receive one <span style=\"text-decoration: underline;\">free night<\/span> every year after your Card account anniversary, which can be redeemed for up to 50,000 Marriott Bonvoy Points (worth ~$400) at a participating hotel. Certain hotels have resort fees.<\/li><li><span style=\"text-decoration: underline;\"><strong>$300 Marriott Bonvoy Statement Credit<\/strong><\/span> - During each cardmember year (defined when the account is opened), you and your authorized users will receive up to $300 in statement credits for eligible purchases made at participating Marriott Bonvoy hotels. This credit is automatically applied.<\/li><li><span style=\"text-decoration: underline;\"><strong>$100 Marriott Bonvoy Property Credit<\/strong><\/span> - Receive up to $100 for incidentals when you book a paid stay of at least two-nights at participating Ritz-Carlton or St. Regis properties.\u00a0<span style=\"text-decoration: underline;\">It does not apply to the cost of the room<\/span>.<\/li><li><span style=\"text-decoration: underline;\"><strong>Global Entry or TSA Pre Fee Credit<\/strong><\/span> - Up to $100 in credits every 4 years for the application fee for Global Entry or TSA Precheck. Both gets you through airport security lines quicker and does not require you to take electronics out from your bag, your shoes off, etc. Global Entry gets you through customs screening quicker. Getting Global Entry automatically gets you TSA Precheck.<\/li><li><span style=\"text-decoration: underline;\"><strong>Priority Pass Select Membership<\/strong><\/span> - Access to 1,200+ Priority Pass airport lounges in over 130 countries worldwide for you and two guests. Authorized users do not receive this membership. <span style=\"text-decoration: underline;\">This Priority Pass Membership does not come with partner restaurants<\/span> like the one from the Chase Sapphire Reserve.<\/li><li><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/car-rental-loss-and-damage-insurance-terms.html\"><strong>Rental Car Insurance<\/strong><\/a> <\/span>- If you reserve and pay with the Marriott Bonvoy Brilliant card and decline the collision damage waiver, you will be covered if the car is stolen or damaged. Insurance is <u>secondary coverage<\/u> and kicks in after and in addition to your own personal policy.\u00a0<span style=\"text-decoration: underline;\">Coverage is not available in Italy, Australia and New Zealand.\u00a0<\/span><\/li><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/baggage-insurance-plan-terms.html\"><strong><span style=\"text-decoration: underline;\">Baggage Insurance<\/span><\/strong><\/a> - Purchase the entire fare of your common carrier ticket and get<span style=\"text-decoration: underline;\"> up to $3,000 in reimbursement<\/span> for lost, stolen or damaged checked or carry-on bags for <span style=\"text-decoration: underline;\">each covered person per covered trip<\/span>. This includes n<span style=\"text-decoration: underline;\">o more than $2,000 for checked baggage and combined maximum of $3,000 for checked and carry-on baggage<\/span>.\u00a0<\/li><li><span style=\"text-decoration: underline;\"><strong>Trip Cancellation and Interruption Insurance<\/strong><\/span> - Book a round-trip flight entirely with and if the flight is canceled for a \u201ccovered reason\u201d \u2014 including inclement weather, terrorist action, call to jury, sudden illness or injury to you or an eligible traveler \u2014 you may receive reimbursement of non-refundable travel expenses of <span style=\"text-decoration: underline;\">up to $10,000 per trip<\/span>, with a maximum of up to <span style=\"text-decoration: underline;\">$20,000 per eligible account<\/span> for each consecutive 12-month period.<\/li><li><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/trip-delay.html\"><strong><span style=\"text-decoration: underline;\">Trip Delay Reimbursement<\/span><\/strong><\/a> - Reimbursement of <span style=\"text-decoration: underline;\">up to $500<\/span> per trip for eligible expenses such as meals, lodging and toiletries if you purchase your trip entirely with the card and your travel is <span style=\"text-decoration: underline;\">delayed by more than 6 hours<\/span> due to a covered reason. Total of 2 claims per 12 consecutive month period. <span style=\"text-decoration: underline;\">Paying taxes and fees on award tickets is also covered<\/span>.<\/li><li><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/purchase-protection-terms.html\"><strong>Purchase Protection<\/strong><\/a><\/span> - You are eligible for up to <span style=\"text-decoration: underline;\">$10,000 per claim and $50,000 per calendar year<\/span> to replace lost, stolen or damaged items purchased with the card <span style=\"text-decoration: underline;\">within 90 days<\/span> from date of purchase.<\/li><li><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/features-benefits\/policies\/extended-warranty-terms.html\"><strong>Extended Warranty<\/strong><\/a><\/span> - You get up to 1 additional year added to the manufacturer's warranty of 5 years or less.<\/li><li><span style=\"text-decoration: underline;\"><strong>Return Protection<\/strong><\/span> - You may be refunded the full purchase price, excluding shipping and handling, if you try to <span style=\"text-decoration: underline;\">return an eligible item within 90 days<\/span> from date of purchase and the merchant won't take it back. <span style=\"text-decoration: underline;\">Up to $300 per item, up to a maximum of $1,000 per calendar year per account<\/span>. Purchases must be made in the U.S. or its territories.<\/li><li><span style=\"text-decoration: underline;\"><strong>ShopRunner Membership<\/strong><\/span> - Complimentary membership to ShopRunner which gives you free 2-day shipping and free returns at participating merchants when you use your card to pay.<\/li><li><span style=\"text-decoration: underline;\"><strong>American Express Experiences<\/strong><\/span> - Exclusive access to ticket presales and card member-only events in a nearby city.\u00a0<\/li><li><span style=\"text-decoration: underline;\"><strong>Premium Global Assist Hotline<\/strong><\/span> - 24\/7 medical, legal, financial and other select emergency assistance services while traveling 100 miles from home. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline.<\/li><li>No foreign transaction fees.<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"pros-cons\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2302\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-2302\"><h4 class=\"eael-accordion-tab-title\">Pros &amp; Cons<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2302\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"pros-cons\"><p><p><strong>Pros<\/strong><\/p><ul><li>High reward rates for stays at Marriott properties<\/li><li>Automatic elite status<\/li><li>Amex offers and credits<\/li><li>No foreign transaction fees<\/li><li>Free award night up to 50,000 Bonvoy Bonus Points available after each account anniversary<\/li><li>Bonvoy Bonus Points can be transferred to <a href=\"https:\/\/www.marriott.com\/loyalty\/redeem\/travel\/points-to-miles.mi\" target=\"_blank\" rel=\"noopener\">airline partners<\/a>, usually at a 3:1 ratio<\/li><li>Great travel protection, rental car insurance, purchase protection, and extended warranty<\/li><li>Many credits, benefits and perks to offset annual fee<\/li><\/ul><p><strong>Cons<\/strong><\/p><ul><li>High annual fee<\/li><li>Annual fee is only worth it if credits can be mostly or fully utilized each year<\/li><li>American Express is not accepted as widely as Visa or Mastercard<\/li><\/ul><\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"my-strategy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"2303\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-2303\"><h4 class=\"eael-accordion-tab-title\">My Strategy<\/h4><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-down\"><\/i><\/div><div id=\"elementor-tab-content-2303\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"my-strategy\"><p><p>The Marriott Bonvoy Brilliant card from American Express is on my list of cards to open because of its $300 statement credit and annual free night award. Even though Marriott properties are not at the top of my list for vacation stays because of their resort fees, this card will cost nothing to own if I stay at an eligible Marriott Bonvoy property once a year and utilize the free night reward, which should not be difficult to do.<\/p><p>\u00a0<\/p><p>The free night award can be redeemed for up 50,000 points. Depending on the property and time of the booking, one night can easily run well over $100. The $300 statement credit can be <span style=\"text-decoration: underline;\">applied towards the cost of the room<\/span> in addition to <span style=\"text-decoration: underline;\">dining, activities and spa treatments<\/span>. Combined with the perks such as complimentary Platinum Elite or Gold Elite statuses, which provides benefits such as free breakfast and room upgrades, I can more than make up the annual fee.<\/p><p>\u00a0<\/p><p>I plan to use this card for yearly short weekend getaways at high-end Marriott Bonvoy properties. The points will be used either for stays or transferred to their airline partners if I need extra points for ticket redemptions. Marriott does not waive their resort fees for award redemptions, which is a huge bummer, but it shouldn't be too bad for short stays.<\/p><\/p><\/div>\n                <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ed4fbf0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ed4fbf0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-840d6c3\" data-id=\"840d6c3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div 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elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ff9ddad\" data-id=\"4ff9ddad\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5abb9afa elementor-widget elementor-widget-text-editor\" data-id=\"5abb9afa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Want to become a personal finance scientist and get the latest 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class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>My Credit Cards Here are all of the credit cards in my wallet and the exact strategy I use to maximize the reward points\/miles I receive from making everyday purchases.\u00a0 I currently have 11 credit cards with plans to open more in the near future. Please note: This page contains my personal credit card referral &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/smartlivingscientist.com\/my-credit-cards\/\"> <span class=\"screen-reader-text\">My Credit Cards<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"spay_email":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>My Credit Cards - Smart Living Scientist<\/title>\n<meta name=\"description\" content=\"These are the credit cards in my wallet. 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