Travel Rewards

In the Choose FI community, we talk a lot about the benefits of travel rewards cards and how they can help you travel for almost nothing. While travel rewards cards are an incredible tool, they don’t matter too much to folks who don’t travel. That’s why cash back credit cards are just as important. They offer cash back on your most common purchases and, when used responsibly, can earn you … Read more

Balance transfer credit cards are an important tool for paying off debt; when used correctly of course. The best balance transfer credit cards offer 18 months of 0% APR. And the Citi Simplicity Card is one of those cards. Citi Simplicity Card is, as the title suggests, a simple card. While it does offer a low-interest rate for 18 months, there are plenty of other features that make the Citi Simplicity … Read more

There’s only one thing better than earning cash back on purchases, and that’s earning DOUBLE cash back! There’s really only one credit card that can offer that deal, and that’s the Citi Double Cash Card. Here’s a short summary of everything the Citi Double Cash Card has to offer: 1% cash back on purchases and 1% cash back as you pay for those purchases 0% Intro APR on balance transfers … Read more

Hawaii is one of America’s favorite vacation destinations. A recent poll from US News and World Report reported that two Hawaiian cities ranked in the top 10. Now that Southwest Airlines started flying to Hawaii, travelers have more flight options and the opportunity to save more money. In fact, I’m going to show you how to fly to Hawaii for free using miles and points. How Much Does It Cost … Read more

The Chase Freedom is my favorite credit card in my wallet. The 5% cash back rewards categories are easy to activate (in fact, Chase sends an email every quarter to remind you), and the reward options are flexible. And, since I’m a stickler for avoiding cards with an annual fee, the Chase Freedom is perfect! Here’s a quick overview of what the Chase Freedom offers: 5% back in select categories 1% … Read more

For the longest time, the common belief was that travelers would benefit by being loyal to one airline and earn a higher status. Then that status would bestow perks and rewards to improve the travel experience. However, in today’s environment, that advice has gone by the wayside. With so many top-tier members and most planes flying completely full, the ability to receive coveted upgrades is more myth than reality. I’m … Read more

If pursued actively, travel rewards can help the disciplined spender and traveler make the most of their dollar. Austin braved the world of travel rewards and has booked an eleven day trip to South Korea, which includes flight and lodging for free! He’ll only pay out of pocket for dining and entertainment, which he will charge to his card, of course! Here’s how he did it. Identify The Target Most … Read more

Credit card debt sucks. Nobody likes it, and when you’ve woken up to the path of FI credit card debt can feel like a giant shackle around your ankle, chaining you to a lifestyle you no longer identify with. No matter what got you into credit card debt, whether it was common lifestyle inflation or a few unfortunate events. There are ways to make the most of your credit card … Read more

The Chase Freedom Unlimited card is a straight-forward, no annual fee, cash back credit card. If you’re a fan of Chase’s other credit cards, but want one for everyday use, the Chase Freedom Unlimited credit card is the one for you. Here’s a quick overview of what the Chase Freedom Unlimited offers: 3% cash back on all purchases during the first year you have the card, up to $20,000 in spending … Read more