The Hilton HHonors™ Surpass® Card from American Express is similar to its standard version, the Hilton HHonors Card, but provides more rewards and hotel perks in exchange for an annual fee. These perks include Priority Pass membership in airport lounges and complimentary HHonors Gold status.
If you frequently stay at hotels in the Hilton portfolio – including Waldorf Astoria and Embassy Suites – you can earn more free nights with the Hilton HHonors Surpass card than you can with any of the other Hilton HHonors credit cards.
Hilton is one of the most recognizable hotel chains in the world. It has in its portfolio more than 4,000 hotels in 91 countries, and additional brands such as Waldorf Astoria, Doubletree, Embassy Suites, and Hampton Inn.
The Hilton HHonors™ Card from American Express – the standard version, as compared to the Hilton HHonors Surpass – offers the opportunity to earn points on purchases that can be redeemed via the HHonors program for award nights at Hilton Hotels and affiliate properties.
Delta Airlines is one of the most popular airlines in the United States and has been ranked the largest airline in the world, with flights serving more than 300 destinations in 64 countries. American Express offers various credit cards that award Delta SkyMiles and provide flight benefits and perks, convenient for various levels of use.
The Platinum Delta SkyMiles® Credit Card from American Express falls in between the Gold Delta SkyMiles and Delta Reserve cards, providing an option for Delta fans who fly more frequently than Gold Delta SkyMiles cardholders, yet not quite as much as Delta Reserve cardholders.
The business version of the Gold Delta SkyMiles card, the Gold Delta SkyMiles® Business Credit Card from American Express (a Money Crashers partner), is almost identical to the consumer version. The sign-up bonus, rewards program, and Delta flight benefits are the same except that the business version includes access to the OPEN Savings network.
But when the Gold Delta SkyMiles Business card is compared to other business credit cards, does it stack up?
The Gold Delta SkyMiles® Credit Card from American Express (a Money Crashers partner) provides an opportunity to earn and redeem miles on Delta Airlines. Of the three Delta credit cards available, the Gold Delta SkyMiles charges the lowest annual fee – and it’s waived the first year. That, plus the sign-up bonus and a few attractive flight benefits, make it a great option if you’re a regular Delta customer and want to earn SkyMiles for use on future flights.
Of the three Delta business credit cards offered by American Express, the Delta Reserve for Business Credit Card is considered the most elite. It rewards purchases with Delta SkyMiles and provides opportunities to earn elite statuses that feature attractive travel bonuses. The Delta Reserve for Business is an appealing option because of its lack of a foreign transaction fee, its annual and spending-based bonuses, and the fact that it gives business owners a chance to earn more Delta flight benefits than the Gold or Platinum versions of the card – but does it offer enough to justify a higher annual fee?
Delta SkyMiles credit cards range from Gold, the most basic tier with the lowest annual fee, through Platinum, which offers more flight benefits for a higher yearly fee, all the way up to the Delta Reserve Credit Card from American Express. This final incarnation is considered to be the most elite of all the Amex cards carrying the Delta brand – it features the most card and flight benefits in exchange for the highest annual fee.
If you’re in the market for a credit card that awards SkyMiles, helps you earn elite statuses, and provides flight benefits and extra perks, you may want to consider the Delta Reserve.
The Plum Card® from American Express OPEN (a Money Crashers partner) is a business charge card that offers rewards for making payments early, rather than rewarding specific spending habits. Take a look at the overall features and benefits of The Plum Card to determine whether it’s suitable for your business’s needs, or whether a more traditional credit card is best.
One key difference to keep in mind when comparing charge cards and credit cards, is that while both offer flexible spending options, a charge card requires you to pay the balance in full each month.
The American Express Blue Sky cards are favorites chosen by travelers who want to earn rewards on travel purchases without committing to a specific airline or travel brand. Plus, the card offers the convenience of redeeming rewards as statement credits against a range of travel purchases.
The Blue Sky Preferred® Card from American Express is different from its partner – the standard Blue Sky card – in that it offers more rewards on purchases in exchange for an annual fee.
Many travel rewards credit cards are specific to a certain airline or hotel, which may limit your use of the card and the rewards that you receive. The Blue Sky from American Express® (a Money Crashers partner) is one of the few credit cards that provides rewards for generalized travel purchases, including hotels and airfare with virtually every provider. However, whether this is a better option than more targeted travel cards is likely to hinge on how often you travel and how much you value flexibility.
If you work as a freelancer or run your own small business, you probably can’t afford a full-time accountant – but you also can’t trust your finances to manage themselves. Fortunately, there’s an app for that. With about five million global users, FreshBooks is one of the most popular cloud-based accounting programs available. It provides intuitive, non-technical tools to help with invoicing, expense tracking, timekeeping, and basic project management.
FreshBooks has many competitors in the crowded online accounting space, including Kashoo, Zoho Books, Xero, and Wave. With versatile payment options and automated accounting functions, unlike some of its cheaper competitors, it’s especially useful for busy entrepreneurs who can’t afford to devote time to manual accounting activities.
Online banks are powerful personal finance tools that offer convenient access to funds – but, not all are created equal. As one of the first online-only institutions, Ally Bank has developed a reputation for responsive customer service, high interest rates on checking and savings accounts, and reasonable fees. Like many online banks, it has no physical branches, but it is an FDIC member, which means its customers’ deposits are insured up to $250,000.
Since its spinoff from GMAC in 2009, Salt Lake City-based Ally has accumulated nearly a million customers. With $54 billion in total deposits, it’s currently the 29th largest U.S. bank.
The Citi® Diamond Preferred® Card does not offer rewards in the way of cash back or miles, but instead provides the longest 0% introductory APR available. Non-rewards credit cards such as this one provide benefits in the way of savings and elimination of debt rather than cash back or points, and depending on your own financial situation, they may be a better deal.
By transferring existing balances to the Citi Diamond Preferred card with a 0% promotional balance transfer offer, you can gain an additional 18 months to pay off your debt without incurring additional interest charges.
The envelope budgeting system has been around for a long time, and because it works, it remains popular, despite its “old school” methodology. If you’re not familiar, the concept is simple: Separate your budget into different categories, such as entertainment, groceries, rent, and gasoline. Create an envelope for each category, label it, and withdraw cash from your account to place in each envelope representing the total amount you’ll spend in that category for the month. Use the cash from your envelopes to make your purchases, and when the money’s gone, stop spending in that category until the next month.
This card falls a bit short of being the best all-around credit card for students, but depending on your personal spending habits – especially if the majority of your purchases fall into the dining and entertainment categories – it could still be a great option.
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