Fidelity Rewards Visa Signature Card

The Fidelity Rewards Visa Signature Card is a great deal whether or not you already have other accounts at Fidelity, but it’s an even better deal if you do. Right now, you can take advantage of a 10,000 point signup bonus, awarded after you spend $1000 on the card within 90 days. If you transfer these points directly to a Fidelity account, that’s $100 of free money.

Overall, this is a relatively low amount of spending necessary to get the bonus. While the bonus is also smaller than many that are available out there right now, the truth is that the other benefits of the card just might make it worth your while.

Fidelity Rewards Visa Signature Card Benefits

The signup bonus isn’t the only great feature that this card offers. In fact, you may choose to carry it simply because it offers you 2 points for every, single dollar that you spend. If you transfer your points to a Fidelity account, that’s 2% cash back, no matter what you buy.

This 2% isn’t unique, but most cards do make it at least a little bit more difficult to earn money. You may have to buy in certain categories or the categories may rotate. Fidelity’s card is simple, straightforward, and you don’t have to do anything to get your money except pay your bill each month and set up your transfer.

The Fidelity Rewards Visa Signature Card goes beyond that, too. When you get this card, you’re also getting:

• No annual fee
• Your points don’t expire
• No preset spending limit (transactions can be denied based on your account’s history, your credit rating, and your available resources)
• 24-hour Visa concierge service
• Auto rental collision damage waiver
• Travel accident insurance (up to $250,000 if you are injured on a trip)
• Roadside dispatch
• Lost luggage reimbursement (up to $3,000)
• Various rotating discounts and savings

If you don’t want to transfer your points to your Fidelity account, you can always use them to make purchases via Fidelity’s rewards portal. Here, you can exchange points for gift cards, electronics, clothing, and more.

Apply for the Fidelity Rewards Visa Signature Card

Visit Fidelity’s application page to start your journey with this card. Note that Fidelity can be pretty strict and the card is marketed to people who have credit scores of 720 or above. If yours is below that, you can apply now, but you might have better luck if you raise your score first.

You should also apply to open a Fidelity account at the same time. This is a separate application, and you cannot use your rewards to start the account.

Both processes are straightforward and you should hear from Fidelity quickly. Once you have your card, you can use the rewards for investing, to save for the future, or to put a little bit more away for retirement.

Amazon Prime Rewards Visa Signature Card

If you do a lot of your shopping at Amazon, then the Amazon Prime Rewards Visa Signature Card might be right for you. The only catch is that you have to be an Amazon Prime member to even apply for the card.

However, investing in a Prime membership might be worth it. This card gets you:

• 5% cash back anytime you use it on Amazon or at Whole Foods
• 2% cash back when you purchase at restaurants, gas stations, or drug stores
• 1% cash back on everything else
• A $70 gift card instantly, as soon as you are approved for the card

You can spend all of your rewards easily on Amazon. The accounts link automatically, so you will see your rewards balance on your Amazon checkout screen and you can elect to use it for any purchase. There’s no minimum redemption. Amazon also says that you can use your points via Chase for travel, gift cards, cash back, and more, but they offer no specifics as to how that works.

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Prime members who had an Amazon card before this should have been automatically upgraded to this card. If you didn’t get that upgrade and you think you’re eligible, contact Amazon to get that started.

Amazon Prime Rewards Visa Signature Card Benefits

Amazon’s card gets you more than cash back to spend at the ‘Zon. You can also get various travel benefits, like:

• No foreign transaction fees. This can save you hundreds when you travel.
• Baggage delay insurance
• Lost luggage reimbursement (up to $3000 per passenger when tickets were purchased on the card)
• Travel accident insurance (up to $500,000 when tickets were purchased on the card)
• Legal and/or medical referrals while traveling

If that’s not enough, card users are also eligible for:

• Extended warranty protection (get up to an extra year when you make your purchase on the card)
• Roadside dispatch
• Auto rental collision damage waiver
• Zero fraud liabilityPurchase protection (up to 120 days, against damage or theft, up to $500 per claim and $50,000 per account)

You’ll also gain access to deals at up to 900 hotels around the world, through the Visa Signature Luxury Hotel Connection, as well as access to Visa’s famous Concierge Service.

Is the Amazon Prime Rewards Visa Signature Card Right For You?

If you spend enough on Amazon to justify paying for a Prime membership, then this card is a great deal for you. Since you’ll be getting rewards points for every purchase, you can think of it as a 5% discount on every, single item you buy at Amazon.

The downside of the card is that the best redemption deal is through Amazon. If you don’t shop there much or you find yourself wanting your points for something else, you won’t get as much value for them and it may, in fact, be hard to spend them at all. However, since Amazon carries almost everything these days, the chances are good that you will be able to use all of your points on the things you need and want.

While you probably won’t use your points to pay for your Prime membership, you can think of them as reimbursement for that. Sure, $119 is a lot to pay for free shipping, some discounts, and access to other Amazon features that you may or may not use. But when you’re a frequent shopper, you’ll easily make up for that cost between your 5% cash back and the points you earn. Getting “free” Prime can be a great way to think about this card.

You can apply for the Amazon Prime Rewards Visa Signature Card via Amazon today. The application is straightforward and most people get an answer immediately. If you’re a frequent Amazon shopper and you pay for Prime every year anyway, this could be the next card for you.

Southwest Companion Pass FAQ 2019

If you travel domestically in the United States very much, you’ve probably heard of the Southwest Companion Pass. This pass allows you to designate one person as your companion. Every time you fly Southwest, that person can come with you for free (and you can change your companion a few times each year!).

For years, this pass has been out of reach for most people. You had to fly over 100 qualifying flights per year or earn at least 110,000 qualifying points in a single year. Right now, though, until February 11th, you can qualify simply by getting a credit card and spending $4000 on it in 3 months. You’ll get to keep the pass for the remainder of 2019.

The companion pass isn’t all you’ll get, either! Complete the required spending and you’ll also get 30,000 Southwest points. Since Southwest calculates the cost in points based on the cost of the flight, these points are worth about $450.

Choose between three of Southwest’s current cards: the Southwest Rapid Rewards Plus Credit Card, the Southwest Rapid Rewards Premier Credit Card, and the Southwest Rapid Rewards Priority Credit Card.

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Each of these cards comes with an annual fee, ranging from $69 to $149. The fees, and the benefits you’ll get in exchange for it, are as follows:

Southwest Rapid Rewards Plus Credit Card

• $69 annual fee
• 3000 points every year on the anniversary of getting the card
• 2x points on all Southwest flights purchased on the card
• 2x points on hotel and car rental partners
• 1x points on everything else

Southwest Rapid Rewards Premier Credit Card

• $99 annual fee
• 6000 points every year on the anniversary of getting the card
• 2x points on all Southwest flights purchased on the card
• 2x points on hotel and car rental partners
• 1x points on everything else
• Earn up to 15,000 Tier Qualifying Points each year, 1500 for every $10,000 you spend

Southwest Rapid Rewards Priority Credit Card

• $149 annual fee
• 7500 points every year on the anniversary of getting the card
• 2x points on all Southwest flights purchased on the card
• 2x points on hotel and car rental partners
• 1x points on everything else
• Earn up to 15,000 Tier Qualifying Points each year, 1500 for every $10,000 you spend
• $75 Southwest travel credit each year
• Four upgraded boarding passes each year (when available)
• 20% back when you by inflight drinks and/or Wi-Fi

Since each of these cards have the exact same signup bonus, you can pick the card with the other rewards that will work the best for you.

Apply For Your Southwest Card

You can apply for the Southwest Rapid Rewards Plus Credit Card, the Southwest Rapid Rewards Premier Credit Card, or the Southwest Rapid Rewards Priority Credit Card. Click on “Apply Now” at each of those links to get taken to the online application. Most people receive an immediate response.

You will not be eligible if you meet the following conditions:

• You already have a personal Southwest credit card.
• You’ve taken advantage of a Southwest signup bonus for new members within the last 24 months.
• You’ve gotten more than 5 credit cards in the last 24 months. Southwest runs their cards through Chase, and this is a Chase rule.

If you’re a frequent traveler and you like to fly Southwest, this card could get you quite a few bonus flights this year, especially if you tend to travel regularly with the same companion. Southwest is hoping to expand their service to Hawaii later in 2019, so the card could become even more valuable.

If you are looking to get a credit limit increase on your Chase Freedom credit card, you may be in luck as Chase is one of the easier companies to receive credit increases with.

While Chase will review your credit history and on-time payments, it is not impossible to receive a credit limit increase with the card if you follow these tips.

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Chase will automatically increase your credit card limit if you pay regularly, pay in full, hold a small balance, and make your payments on time.

The company will typically increase your credit limit every six to 12 months with good credit standing without you even having to ask.

If you haven’t received an increase in your credit limit in awhile with the Chase Freedom credit card, you can actually request that your limit be raised.

The easiest way to get the credit limit increase that you want is to call Chase directly on the phone and ask for it. Chase will, in most instances, direct you to the credit limit increase department and here you will need to give the reasons you want an increase.

You do need to have a solid reason as to why you want your credit limit increase and not because you are just looking to improve your credit score.

Chase will pull your credit report and request some personal information from you. Some reasons that may work to receive an increase in credit include a higher income, more flexibility from your Chase Freedom card, or for a balance transfer.

You can also email Chase’s customer department about your credit limit increase. Here, they may ask you question about your gross annual income and the total credit line amount you are requesting.

Here, you need to be judicial and not ask for an astronomical amount that won’t get approved. Think about the amount you really need and make sure it is within reason for Chase to approve.

Being conservative in your request for a credit limit increase will improve your odds of receiving the increase in your credit limit.

Also, you need to make sure you have a valid reason for the credit increase.

Keep in mind that Chase, most likely, will not increase your credit limit if you haven’t been a cardholder with them for at least six months.

If you do not receive the credit limit increase that you were hoping for, you do not have to despair as you can call back and request that an underwriter review your account.