Delta SkyMiles Rewards Program Overview

Overview The Delta SkyMiles rewards program is unique in that the redemption value of miles earned fluctuates significantly. Variables that affect this rate include date of travel, cabin class, flight duration, departure and arrival airports, and whether said airports are Delta hubs. The SkyMiles program is divided into 5 tiers, the top 4 of which […]

Discover Rewards Program Overview

Overview The Discover Cashback Bonus program works as advertised: 5% back on purchases within rotating categories (up to the quarterly maximum) and 1% back on everything else. What’s more, Discover operates an online shopping mall, Discover Deals (formerly “ShopDiscover”) that includes deals that earn cardholders up to 20% cash back. What exactly are the points […]

Marriott Rewards Program Overview

Overview Marriott Rewards points are earned primarily through card spend and hotel stays, the latter of which can result in massive bonuses, but also through purchases with Marriott’s partners (e.g. Hertz). The Marriott Rewards program includes three Elite levels: Silver (reached after 10 qualifying nights): 20% bonus on points for stays, and more Gold (reached […]

United MileagePlus Rewards Program Overview

Overview United’s MileagePlus program enables members to earn points that can be redeemed to book travel on United or any of its partner carriers. In addition, members can use miles for car rentals, shopping, magazine subscriptions, and more. What’s more, United co-branded credit cards offer automatic elite status to cardholders. Premier Silver Premier Gold Premier […]

Ritz Carlton Rewards Program Overview

Overview Points can be earned with the Ritz-Carlton Rewards program via hotel stays or dollars spent with your Ritz-Carlton Rewards Credit Card. Members earn 10 points or 2 airline miles per dollar spent on hotel bookings. The program comprises three Elite levels: Silver Elite (10 Elite nights or 1 meeting): No cardholder benefits Gold Elite (50 Elite […]

Bank of America Rewards Program Overview

Overview Points earned with Bank of America can be redeemed through the credit card issuer’s program (“BankAmericard” or “World Points”) for travel, gift cards, cash back, special events, and more. The typical redemption rate is approximately 1 cent per point, though this rate varies widely, as points are often redeemed for as little as 0.5 cents […]

Starwood Preferred Guest (SPG) Rewards Program Overview

Overview The SPG program caters mainly to businesspeople who travel throughout the United States, Asia, and Europe, though Starwood is rapidly growing its presence across other parts of the world. Members of the program fall into three tiers: Preferred Guest (no requirements): 2 points per dollar spent at Starwood hotels, and more Gold Preferred Guest […]

How credit card companies make money and how you can make money from them

Let’s start off by defining what we mean by a credit card company. Typically, people associate credit card companies with networks, like Visa or Mastercard, and issuers, like Chase and Capital One. In this article, we’ll refer to just issuers as credit card companies. Issuers are financial organizations like banks and credit unions. They issue a credit […]

How opening and closing credit cards impact your credit score

I’ll assume you know what a credit score is and how to calculate it. If not, read the deep dive: What Is a Credit Score and How Is It Calculated. There are several ways credit cards impact your score. Let’s look at it using the key dimensions used to calculated the FICO Score: Payment History […]

What is a credit score and how is it calculated

You have almost certainly heard of the infamous “credit score,” that critical number that not only impacts what credit cards you can qualify for but may even be considered for a hiring decision. But what actually is a credit score and why is it important? Why Do We Need a Credit Score Let’s imagine a world […]

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