Mesa, a homeowner membership platform that turns everyday home expenses into rewards, has been steadily growing its list of redemption partners.Now, Mesa is continuing to grow its transfer partner list by launching a new partnership with Omni Hotels & Resorts. The hotel chain operates more than 50 hotels and resorts across the U.S. and Mexico, giving members a new way to redeem Mesa Points for free hotel nights.Here’s how the new partnership works and what it means for Mesa members looking to stretch their ...

Posted on // Updated for Rent Day 12/1. Bilt Rewards recently announced “Bilt 2.0” which promises three new credit cards with rewards on both mortgage payments and rent. Applications are not open yet; More details supposedly coming January 2026. If you have the existing card issued by Wells Fargo, it is scheduled to work as usual until February 6th, 2026. December 1st, Bilt is offering a transfer bonus to British Airways* Avios of between 50% and 100%. (* or Aer Lingus and Iberia Avios.) Avios can be pretty ...

Core Insights - The article discusses the best credit cards for Amazon purchases in 2025, highlighting various options that offer significant cash back and rewards for frequent Amazon shoppers [1][46]. Group 1: Credit Card Options - The Blue Cash Everyday Card from American Express offers a $200 statement credit after spending $2,000 in the first 6 months and provides 3% cash back on up to $6,000 in U.S. online retail purchases annually [3][5]. - The Prime Visa card provides a $250 Amazon Gift Card upon approval for Prime members and offers 5% back on Amazon.com purchases, making it ideal for frequent Amazon shoppers [7][9]. - The Capital One Venture Rewards Credit Card has a $95 annual fee and offers 75,000 miles after spending $4,000 in the first 3 months, with 2x miles on all eligible purchases [11][9]. - The Amazon Visa card, which does not require a Prime membership, offers a $50 Amazon gift card upon approval and has a lower rewards rate compared to the Prime Visa [15][46]. - The Discover it Cash Back card provides up to 5% cash back on rotating categories, including Amazon during the fourth quarter, and matches all cash back earned at the end of the first year [18][36]. Group 2: Rewards and Benefits - The Bank of America Customized Cash Rewards Credit Card allows users to earn 3% cash back in a chosen category each quarter, which can include online shopping from Amazon [25][39]. - The Wells Fargo Active Cash Credit Card offers unlimited 2% cash back on all purchases and has no annual fee, making it a competitive option for everyday spending [29][39]. - The U.S. Bank Shopper Cash Rewards Visa Signature Card provides 6% cash back on the first $1,500 in combined purchases each quarter with selected retailers, including Amazon [34][46]. - The Chase Freedom Flex Credit Card offers up to 5% cash back on rotating categories, which may include Amazon, and has no annual fee [31][39]. Group 3: Considerations for Choosing a Card - The right rewards rate depends on individual spending habits; those focused on Amazon purchases should seek cards with the highest rewards for Amazon [37][40]. - Most cards listed do not have an annual fee, but if a card does, it is essential to evaluate whether the rewards justify the cost [39][40]. - Credit cards can provide additional benefits such as purchase protection, which is valuable for online shopping [39][40].

Core Insights - The Chase Sapphire Reserve® and the Sapphire Reserve for Business℠ are prominent credit cards known for their rewards and benefits, appealing to frequent travelers and business owners [1][4]. Summary by Sections Welcome Bonus - The Chase Sapphire Reserve Business card offers a substantial welcome bonus of 200,000 points after spending $30,000 in the first 6 months, valued at approximately $4,000 [2][5]. Card Features - The Chase Sapphire Reserve Business card is tailored for business owners who travel frequently, providing premium perks and benefits [4][6]. - The card has an annual fee of $795 and a variable APR ranging from 18.24% to 26.24% [5][8]. Rewards Structure - Both cards offer similar rewards for Chase Travel purchases, earning 8x points, and 4x points on flights and hotels booked directly [19]. - The Chase Sapphire Reserve card provides 3x points on dining, while the Business card offers 3x points on social media and search engine advertising [21][19]. Annual Credits - The Chase Sapphire Reserve card includes various annual credits, such as a $300 travel credit and a $500 hotel credit through The Edit, which can be utilized effectively by cardholders [16][11]. - Starting January 1, 2026, the hotel credit will no longer have a biannual requirement, simplifying its use [15]. Travel and Purchase Protections - Both cards offer extensive travel and purchase protections, including trip cancellation insurance, lost luggage reimbursement, and purchase protection [23][26]. - The travel protections are nearly identical, ensuring coverage for both personal and business expenses [23]. Combined Benefits - Holding both cards allows for the pooling of rewards, maximizing the value of credits and points earned across personal and business expenses [22][20]. - The ability to separate expenses for tax purposes while still earning rewards is a significant advantage for business owners [18][20]. Conclusion - The combination of the Chase Sapphire Reserve and the Sapphire Reserve Business cards provides substantial value through rewards, credits, and protections, making it a strategic choice for frequent travelers and business owners [25][24].

Core Insights - The discussion on "The Ramsey Show" highlighted differing opinions on credit card usage, particularly focusing on the balance between rewards and potential overspending [1][3]. Group 1: Credit Card Usage - A caller named Miguel shared his experience of paying off credit cards in full each month and using points for family travel, specifically mentioning $4,000 in flights for a trip to Europe [2]. - Co-host George Kamel acknowledged Miguel's disciplined approach but questioned the overall value of the rewards earned, suggesting that significant spending may not justify the benefits [3][4]. Group 2: Behavioral Economics - Kamel raised concerns about the potential for overspending, illustrating that spending $200,000 to earn $4,000 in rewards equates to only 2% cashback, which could be avoided by using a debit card [4]. - Co-host Rachel Cruze emphasized behavioral studies indicating that credit card usage often leads to increased spending due to a lack of emotional connection to money, which can result in unintentional overspending [4]. - Cruze also criticized the banking industry for profiting from consumers, particularly those in debt, highlighting the moral implications of credit card rewards systems [4].

Core Insights - Frugal living emphasizes making smart financial choices for long-term stability rather than short-term spending, especially relevant given that over 37 million Americans live in poverty, which is more than 11% of the population [1] Group 1: Frugal Habits - Buying older, used vehicles in cash helps avoid financing costs and reduces auto insurance expenses, a practice learned from growing up in a lower-middle-class household [3][4] - Utilizing credit card rewards effectively by paying off balances monthly allows individuals to benefit from cash back and rewards programs without incurring high interest charges, leading to significant savings [4][5] - The principle of using items until they are worn out reflects a mindset developed from limited financial resources, promoting sustainability and cost-effectiveness [5]

Core Points - Bank of America is hosting its fourth annual More Rewards Day on November 6, 2025, allowing credit cardholders to earn bonus rewards on purchases [1][2] - Since the inception of More Rewards Day, cardholders are projected to earn a total of $100 million in extra rewards, with $74 million already earned in the first three events [1] Summary by Sections Event Details - More Rewards Day will provide eligible Consumer and Business credit cardholders with extra bonus rewards on their first $2,500 in purchases [2][3] - New Customized Cash Rewards and Unlimited Cash Rewards cardholders can earn up to 8% and 4% cash back, respectively, during this event [2] Eligibility and Rewards - Cardholders without rewards credit cards will earn 2% cash back as a statement credit, with a cap of $50 cash back, 5,000 points, or 5,000 miles for the day [3][10] - All active Bank of America credit cards are eligible, and cardholders can earn bonus rewards on multiple cards [5] Consumer Insights - A Bank of America survey indicates that 36% of consumers expecting financial strain during the holidays plan to utilize credit card rewards to alleviate costs [4] Additional Information - The promotional offer is valid for purchases made on November 6, 2025, and does not apply to past purchases or certain transaction types [10][11] - Preferred Rewards members will earn their usual bonuses but not on the incremental rewards from More Rewards Day [6]

Core Insights - HSBC has launched the 'HSBC Rewards | Travel with Points' service, allowing credit cardholders to earn up to 12x reward points for travel bookings [4][18] - The service is accessible through HSBC India's website and mobile app, facilitated by Hopper Technology Solutions [4][18] - The program includes features such as best price guarantee, price drop protection, and free cancellation [12][13][14] HSBC Rewards | Travel with Points Service - The service enables credit cardholders to earn accelerated reward points for booking flights, hotels, and car rentals [4][5] - Different HSBC credit cards offer varying reward points for travel bookings, with the HSBC Prive and Premier cards providing the highest rates [6] - The maximum cap for accelerated reward points is set at 18,000 points per cardholder per calendar month, while base reward points remain uncapped [6] Redemption and Payment Options - Cardholders can redeem reward points for travel services at a 1:1 ratio for HSBC Prive and Premier cardholders [10] - Payment for travel bookings can be made entirely with reward points, partially with points and a credit card, or fully with a credit card to earn additional points [16] Benefits of the Service - The best price guarantee allows cardholders to receive a refund if they find a lower rate within 24 hours of booking [12] - Price drop protection refunds the difference if flight prices drop within 10 days after booking, up to a maximum of ₹1,500 [13] - Free cancellation is available up to 3 hours before the trip, ensuring flexibility for cardholders [14] Conclusion - The introduction of the 'HSBC Rewards | Travel with Points' platform enhances the value proposition for HSBC credit cardholders by offering significant rewards and flexible redemption options [18]

Core Insights - Capital One offers a diverse range of credit cards tailored for various financial goals, including cash back, travel rewards, and 0% introductory APR offers [1][32] - The Capital One Savor Cash Rewards Credit Card is highlighted as the best overall card due to its high rewards rate and $0 annual fee [5][4] - The Capital One Venture Rewards Credit Card is recognized as the best travel card, providing significant travel rewards and benefits [7][11] Group 1: Credit Card Offerings - The Capital One Savor Cash Rewards Credit Card features a $0 annual fee, a welcome offer of $300 in bonuses, and a 0% introductory APR for 12 months [4][5] - The Capital One Venture Rewards Credit Card has a $95 annual fee and offers 75,000 miles after spending $4,000 in the first 3 months, equating to $750 in travel [7][11] - The Capital One Venture X Rewards Credit Card, with a $395 annual fee, provides a high rewards rate on travel bookings and additional travel-related benefits [11][14] Group 2: Rewards and Benefits - The Savor Cash Rewards Card offers 8% cash back on entertainment purchases, 5% on travel bookings, and 3% on dining and grocery purchases [4][24] - The Venture X Business Card allows for 10x miles on travel bookings and includes a $300 annual credit for travel bookings through Capital One Travel [13][14] - The Quicksilver Secured Cash Rewards Credit Card provides 2x miles on every purchase and is designed to help users build or rebuild credit [19][17] Group 3: Targeted Audiences - Capital One offers secured credit cards and student credit cards to cater to individuals looking to build or rebuild their credit [29][22] - The Savor Student Cash Rewards Credit Card is noted for its cash-back potential and lack of annual fees, making it ideal for students [22][24] - Business owners can benefit from the Capital One Venture X Business Card, which provides exceptional travel rewards and benefits tailored for business expenses [14][13]

Core Insights - Discover credit cards provide valuable rewards with no annual fees, although they may not be widely accepted internationally [1][25] - The Discover it® Cash Back Credit Card is highlighted as the best overall option due to its high rewards rate and benefits [2][4] Summary by Category Card Features - Discover it® Cash Back Credit Card offers a $0 annual fee, a welcome offer that matches all cash back earned in the first year, and a 0% introductory APR for the first 15 months [4][28] - Discover it® Miles Credit Card provides 1.5x miles on every purchase with no minimum spending requirement and a $0 annual fee [8][21] - Discover it® Student Cash Back Credit Card is tailored for students, offering similar benefits to the Cash Back card with a focus on building credit [12][19] Rewards Structure - The Discover it® Cash Back card offers 5% cash back on rotating categories each quarter, up to a maximum of $1,500 in purchases, and 1% on all other purchases [6][23] - The Discover it® Miles card allows for easy earning of miles on all purchases, with a matching offer at the end of the first year [8][22] - The Discover it® Secured Credit Card is designed for those looking to build or rebuild credit, with a $0 annual fee and a similar rewards structure [16][18] Additional Benefits - All Discover cards feature the Unlimited Cashback Match, which matches cash back or miles earned in the first year [21][29] - Discover cards do not charge an annual fee and provide various redemption options, including statement credits and gift cards [34][30] Market Position - Discover is recognized as the 27th largest U.S. bank by consolidated assets as of December 31, 2024, and is set to be acquired by Capital One [26][27]