Jason Santos on tapas, a good plane Bloody Mary, and the beauty of a travel credit card


Celebrity chef Jason Santos is so busy running his five Boston-area restaurants — plus appearing on Fox TV’s “Hell’s Kitchen” and Paramount Network’s “Bar Rescue,” as well as stints as a guest chef on other shows, including NBC’s “Today” and “The Talk” on CBS — that he doesn’t have much time for travel. But when he does, it’s Thailand that beckons the 45-year-old blue-haired chef. “It literally will change your life,” he said of the Southeast Asian country in a recent phone call from Los Angeles, where he was filming seasons 21 and 22 of “Hell’s Kitchen,” on which he is one of Gordon Ramsey’s sous chefs. Santos said season 21 should air in the late summer/early fall, “but with COVID, the TV schedule has been a little off.” Season 9 of “Bar Rescue” will air in February, he added. Santos said he is especially excited about his newest eatery, Nash Bar, which opened earlier this month in the space that housed his former restaurant Abby Lane. “It’s super cool, with an open kitchen and a griddle behind the bar so the bartenders can make late-night grilled cheeses,” he said. “There’s also live music and eventually we’re going to have a roof deck.” His other restaurants are Buttermilk & Bourbon in Boston and in Watertown, Citrus & Salt in Boston, and B&B Fish in Marblehead. We caught up with the Melrose native, who lives in Woburn with his wife, Thuy, and their two Shiba Inu pups, Miso and Kobe, to talk about all things travel.

Favorite vacation destination? Thailand. I went there nine years ago and liked it so much that my wife and I went there on our honeymoon three years ago. The people are so incredibly sweet, nice, and genuine, the landscape is absolutely stunning, and the food is on a different level. I can’t get enough. It literally will change your life. I try not to visit to the same place twice, but this is the exception. Vietnam is a close second.

Favorite food or drink while vacationing? Don’t judge me, but there is something about being on a tropical beach and drinking really sweet crappy frozen drinks that just gets me every time.

Where would you like to travel to but haven’t? Barcelona. There is something about the passion for food there that I find mesmerizing and would like to explore firsthand. Also, I want to eat tapas until I can’t eat tapas no more.

One item you can’t leave home without when traveling? My wife.

Aisle or window? I weirdly am particular with this. If it’s a shorter flight I like the aisle — I think in my head that I can get off the plane quicker — and if it’s a long trip I like to have a wall to lean up against.

Favorite childhood travel memory? My parents and grandparents would book a summer lake home every single year in either Maine or New Hampshire. My mom still does it to this day. As a child, I felt like we were driving across the world. My family would pack up the car super early on a Saturday morning with groceries and we would head out.

Guilty pleasure when traveling? I love a good plane Bloody Mary. I generally don’t drink a lot or drink on a plane at all, but for some reason when I am going on a legit vacation, I like to kick it off with a Bloody Mary with a packet of lime.

Best travel tip? Get yourself a travel credit card. It will change the way you travel — from waiting for your flight in a great lounge or an upgrade at a hotel. Want my referral link for a platinum Amex? Just kidding … sort of.

JULIET PENNINGTON



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Chase And Instacart Announce First Co-Branded Credit Card


Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners.

Since June 2020, Chase and Instacart have partnered to offer benefits to Chase cardholders, including complimentary Instacart Express membership and discounts. On Wednesday, the bank and food delivery service announced that they would be launching an Instacart co-branded credit card.

The Instacart Mastercard® credit card will be the first co-branded card offered by a food delivery service. The card will give consumers the ability to earn accelerated points on Instacart purchases and give several other benefits, perks and savings.

A joint press release states the card will be released to the public sometime this year.

Here’s what you need to know about the new card offering, and what benefits are currently available to Chase cardholders.

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Chase announces Instacart Mastercard credit card

This announcement comes at a ripe time for grocery delivery.

According to a recent survey from PowerReviews of 8,000 U.S. grocery shoppers, 73% of respondents had purchased grocery items online within the most recent three months of being surveyed. In 2017, that number was a modest 17%.

As we approach the two-year mark of the first pandemic lockdowns, Americans have clearly adopted the stay-at-home shopping model, and this new credit card announcement is a bet that habit won’t change.

Select learned that while the card is being announced today, the details of the card, including spending categories and benefits, will be released later this year.

However, we do know the card is a World Elite Mastercard®. This means cardholders will have complimentary 24/7 concierge service, cell phone protection, Shoprunner benefits and access to Priceless® experiences

But if you’re already using Instacart regularly, you may benefit from the perks offered on other Chase credit cards.

Chase cards that qualify for Instacart Express

There are several dozen Chase credit cards that offer a complimentary membership to Instacart Express, which is the subscription model offering free delivery on Instacart orders over $35 and reduced service fees. Through Jan. 31, 2022 customers who sign up for an Instacart Express membership with an eligible Chase credit card can receive a free membership until April 30, 2022, and $10 off their next order of $35 or more. Once the free Express membership ends, the account auto-renews into an annual membership ($99 annually) on April 30, 2022, unless you cancel beforehand. 

Here are two cards we recommend based on the welcome offers and excellent rewards you can earn with each.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred is a great travel rewards credit card that offers a great sign-up bonus, along with bonus points on travel, dining. Plus it earns 3X points per dollar spent on online grocery purchases, including Instacart. The card has a $95 annual fee.

Chase Sapphire Preferred® Card

  • Rewards

    $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, 5X points on Lyft rides through March 2022, and 1X points on all other purchases

  • Welcome bonus

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

  • Annual fee

  • Intro APR

  • Regular APR

    15.99% to 22.99% variable on purchases and balance transfers

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

  • Credit needed

Chase Freedom Unlimited®

The Chase Freedom Unlimited card is a valuable cash-back credit card that earns rewards in specific categories.

As you spend on the card, you can earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining at restaurants (including takeout) and drugstores and 1.5% on all other purchases on up to $20,000 spent in the first year. In addition, the card comes with a 0% intro APR offer on purchases and balance transfers for the first 15 months of card membership (variable APR of 14.99%–23.74% afterward). The card doesn’t have an annual fee.

Chase Freedom Unlimited®

  • Rewards

    Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

  • Welcome bonus

    Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

  • Annual fee

  • Intro APR

    0% for the first 15 months from account opening on purchases and balance transfers

  • Regular APR

    14.99% to 23.74% variable

  • Balance transfer fee

    Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

  • Credit needed

Bottom line

This new card announcement isn’t a shock as grocery delivery has skyrocketed in popularity. However, the convenience of grocery delivery comes at a cost. It’s known that Instacart can upcharge on the items you order. For example, a gallon of milk may be $4 in the store, but you may pay $5 for that same gallon when ordering through the platform. And it’s also customary to tip your Instacart drivers for their services.

If you enjoy shopping online for your groceries, you may ordering online and picking up the groceries yourself to save money. In many cases, this service is offered at no additional charge to you. Don’t forget to use a credit card that earns bonus points or cash back on grocery purchases.

But if you value your time more than the premium of using Instacart, you may want to keep your eye out this year for this new credit card offering.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.



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Credit Suisse Chairman to Leave After Breaking Covid Travel Rules


Credit Suisse Group AG


CS 0.38%

Chairman

António Horta-Osório

is leaving the global bank following a board investigation into his travel and personal conduct, according to people familiar with the bank.

Credit Suisse said late Sunday that Mr. Horta-Osório had resigned following an investigation commissioned by the board. The people said the investigation examined his conduct, including travel that breached Covid-related government rules and his personal use of corporate aircraft. He joined the Credit Suisse board less than a year ago.

Credit Suisse said board member

Axel Lehmann

was appointed to take over the chairman role, effective immediately. Mr. Lehmann, a former executive at UBS Group AG, joined the Credit Suisse board in late 2021 and is chair of its risk committee.

Spokespeople for Credit Suisse didn’t respond to requests for comment. Mr. Horta-Osório couldn’t be reached late Sunday, and a lawyer for him didn’t respond.

“I regret that a number of my personal actions have led to difficulties for the bank and compromised my ability to represent the bank internally and externally,” Mr. Horta-Osório said in a Credit Suisse news release. “I therefore believe that my resignation is in the interest of the bank and its stakeholders at this crucial time.”

Mr. Horta-Osório’s departure hits Credit Suisse at a vulnerable time. He was appointed to help clean up the Swiss bank’s problems. Credit Suisse is still digging out of turmoil after it lost $5.5 billion from the implosion of hedge fund Archegos Capital Management and entangled itself with the now-insolvent finance firm Greensill Capital.

Credit Suisse shares slipped around 1.6% early Monday. The stock has been one of the worst performing among major banks globally over the past year, and failed to recover ground after the Greensill and Archegos disasters.

Mr. Horta-Osório got caught up in his own troubles in recent weeks, breaking quarantine rules by flying from London to Zurich on Nov. 28. The trip came a day after Switzerland imposed a 10-day quarantine on arrivals from the U.K. and several other countries because of the Omicron surge. He said at the time that the breach was unintentional and that it was reported to health authorities and Swiss financial regulator Finma. He apologized and said it wouldn’t happen again.

After the quarantine breach, Credit Suisse said compliance with laws and guidelines was a priority for the bank and the chairman. A Finma spokesman said at the time it was in touch with Credit Suisse on the matter.

Reuters reported in December that the bank was investigating Mr. Horta-Osório’s travel and that he attended the Wimbledon tennis finals in the U.K. in July, when the country’s Covid-19 rules required him to be in quarantine. Swiss press separately reported the chairman used corporate aircraft in the fall to travel for a vacation in the Maldives. At the time, Credit Suisse said it had rules around private-jet use for the chairman and other executives.

The Portuguese native developed a reputation as one of Europe’s most highly regarded bankers after turning around

Lloyds Banking Group

PLC, where he was CEO for a decade. At Credit Suisse, he had said he would re-evaluate the bank’s risk taking; review its culture, pay and incentives; and focus on personal responsibility and accountability of staff.

“We need to foster a culture that reinforces the importance of risk management,” Mr. Horta-Osório said of Credit Suisse soon after becoming chairman in April 2021.

Credit Suisse will officially propose Mr. Lehmann as chairman at its shareholder meeting on April 29. “We have set the right course with the new strategy and will continue to embed a stronger risk culture across the firm,” Mr. Lehmann said in the news release.

Speakers at the WSJ CEO Council Summit weigh to what extent the government should be able to require Covid-19 vaccinations.

Write to Emily Glazer at [email protected] and Margot Patrick at [email protected]

Copyright ©2022 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8



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How To Get Big Value From Your Credit Card


Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners.

Among your new years resolutions may be tasks like filling your Roth IRA, buying a home or even traveling to that one country that’s been on your bucket list. It’s important to have smaller goals along with lofty ones, and if you’re interested in improving your personal finances this year, consider starting with the benefits of the credit cards in your wallet.

While the main purpose of credit cards is to have spending flexibility and to earn rewards on your purchases, many cards have additional benefits including airport lounge access, Global Entry/TSA PreCheck credits, travel insurance, purchase protection and more. And by not using the card to its fullest potential, or even switching to a better card, you may be leaving money and value on the table.

Select details how you can maximize your credit cards this year while still being financially responsible.

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How to get big value from your credit cards in 2022

Many consumers use their credit cards in a very simple manner: spend and pay the statement each month. However, there is much more to credit cards than meets the eye.

1) Do an audit of where you spend the most money

Americans leave about $30 billion in rewards on the table every year, according to Uthrive. This boils down to anywhere between $210-$960 per consumer, and this typically happens by spending on the wrong card. You can avoid this by analyzing your spending and finding where you spent the most money.

In fact, many card issuers will divide up your spending based on category for you to show you where you regularly spend. From there, you may be able to replace one card for another to increase the amount of rewards your earn.

For example, if you spend regularly at restaurants with the Citi® Double Cash Card, you will earn 2% cash back: 1% on all eligible purchases and an additional 1% after you pay your credit card bill. While 2% cash back isn’t a bad rewards rate, you may find better value in a card like the American Express® Gold Card, which gives 4X Membership Rewards® points per dollar spent at restaurants (including takeout and delivery).

This tip is best suited for consumers who use one credit card for all purchases, which avoids the hassle of having multiple cards and tracking spending categories. For me, I’m currently on a ‘one card strategy’, with my go-to card being the Chase Sapphire Preferred® Card. I’m aware I’m probably leaving some rewards on the table, but I’ve made the decision it’s the right strategy for now.

However, by switching your main credit card to one that better complements your largest spending category, you can drastically make a difference in the amount of rewards you earn.

2) Don’t let spending credits go to waste

In recent years, banks have been adding spending credits to many of their credit cards. Most notably, during the early months of the pandemic, issuers like Chase and American Express were shelling out rewards for more relevant purchases, like grocery stores and take out food, as travel credit card holders were unable to use their benefits.

Now, spending credits are becoming a staple. Most recently, I have been taking advantage of the $10 monthly Gopuff statement credits offered on my Chase Sapphire Preferred.

Premium cards, including the Business Platinum Card® from American Express and The Platinum Card® from American Express, allot several credits to cardholders — including Uber credits, airline fee credits, and more. And since these cards have high annual fees, it’s even more important to use the credits to “earn back” some of the cost of the annual fee.

For myself, the easiest way to keep track of these spending credits is by tracking them in a specific section on my budget spreadsheet.

3) Use your travel insurance, if needed

As more Americans have become cautious of travel hiccups and health-related issues, the travel insurance industry has seen a large spike in customers. In a recent survey from Allianz Travel Insurance, 84 percent of respondents indicated that they’re likely or may be likely to purchase a separate travel insurance policy.

But did you know your travel credit card may have complimentary travel insurance as a benefit? By simply booking your flight on the right card, your trip can automatically be covered in the case it’s severely delayed or cancelled.

For example, I booked my Christmas flight using my Chase Sapphire Preferred® Card, and the flight home was cancelled due to staffing issues. Because of that, the insurance policy kicked in and covered the costs of a new flight, hotel and food. This policy alone makes the annual fee absolutely worth it.

4) Consider asking for a credit line increase

Your credit score is a very important part of your financial health, and your credit cards can actually be used to help build your credit score.

A credit score is made up of these five factors:

  • Payment history (35% of your score)
  • Amount owed and amount of credit used (30% of your score)
  • New accounts opened (15% of your score)
  • Length of credit history (10% of your score)
  • Types of credit (10% of your score)

For this example, we’ll focus on the amount owed and amount of credit used portion. Let’s say your credit card has a credit limit of $5,000 and your regular balance is around $2,000. That means you’re using 40% of your credit allotted, which can be detrimental to your score. It’s recommended to avoid using over 30% of your allotted credit line.

But if you simply call your credit issuer and request a credit line increase, and they increase it to $10,000, that will put your credit line usage at 20%.

By extending the amount of credit you have, along with using as little of it as possible, you can give your credit score a boost at no additional cost.

While this isn’t using the benefits of the card, improving your credit score through responsible credit card use is a great benefit to having a credit card in your wallet.

Bottom line

More than 190 million Americans have credit cards, and it’s safe to say many of these cards aren’t maximized to their fullest potential. Whether you have a card to earn cash back, travel rewards, or are using one to build your credit score — it’s wise to look at what your card can offer you beyond spending flexibility.

However, the core tenet of maximizing your credit card is to spend within your means, and pay off the balance in full each month to avoid paying credit card interest. Paying only the minimum payment can lead to financial disaster.

Catch up on Select’s in-depth coverage of personal financetech and toolswellness and more, and follow us on FacebookInstagram and Twitter to stay up to date.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.





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Delta Extends Flight Credit Expiration Date by One Year


Delta Air Lines customers with flight credits on the books from the airline now will have until Dec. 31, 2023, to rebook their ticket for travel through 2024, according to the carrier. The extension is effective immediately. Customers with e-credit documents should see the new expiration date soon if it hasn’t already been updated, according to Delta. 



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Travel news: Ontario's staycation tax credit, the latest Nordic spa close to Toronto, and Big Ben's (almost) back – northumberlandnews.com



Travel news: Ontario’s staycation tax credit, the latest Nordic spa close to Toronto, and Big Ben’s (almost) back  northumberlandnews.com



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Planning a staycation? You can claim a tax credit if you travel in Ontario this year


The provincial government’s “staycation tax credit” is now in effect for Ontarians who plan getaways within the province this year.

Announced Nov. 4, the credit aims to boost local business by offering people who book overnight stays in Ontario for anytime in 2022 a return of 20 per cent on accommodation expenses of up to $1,000 per person or $2,000 per family.

Some businesses welcomed the incentive — which works out to a maximum return of $200 per person or $400 per family — saying they hope it can help those hit hardest during COVID-19 restrictions.  

“Everybody suffered,” said Renda Abdo, owner of the Lakeside Motel in Prince Edward County, about 200 kilometres northeast of Toronto. “People are still very unsure about travelling on planes and too far away from home, so I think it’s perfect timing.”

Geoffrey Wild (left), shown with his partner Dominique Wild at The Wild Tart in Elora, Ont., says he hopes the province’s new tax credit will boost business. (Submitted by Geoffrey Wild)

Geoffrey Wild, owner of The Wild Tart pastry shop in Elora, just northwest of Guelph, said the credit could help boost local tourism, which would help a variety of businesses.

“The recent [Omicron] variant, the virus, things like that remind us it’s nice we can travel locally, travel around our province,” he said

Too late for some

But for some, the credit comes too late.

“They should have introduced it way long ago,” said Barry Choi, creator of Moneywehave.com, a personal finance and budget travel blog.  “[Businesses] could have used those dollars in 2021 when things were really hurting.” 

Choi said he and his family have done their Ontario travelling already, having just returned home to Toronto from a trip to Ottawa. 

“I’m going to be looking to travel outside Canada,” he said. “And I can think of a lot of people who are in the same boat.” 

In October, Canada lifted a blanket advisory that had been in place since March 2020 against all non-essential travel outside the country.

More recently, to prevent travel-related infections amid mounting case counts and spread of the omicron variant of the coronavirus, the federal government has been advising Canadians to avoid all non-essential international travel.

‘This province is the same size as many countries’

The Canadian Federation of Independent Business (CFIB) says it supports Ontario’s 2022 travel tax credit.

“It makes sense to delay it to a time where Ontarians could comfortably and confidently take advantage of it,” said Ryan Mallough, senior director of provincial affairs for Ontario with the CFIB.

Wild said Ontario offers something new to see, even for those who have already done some exploring in the province.

“To everybody that says, ‘I spent my Ontario travel money,’ — my God, this province is the same size as many countries,” he said. “So you can’t tell me you’ve done all your travel yet.” 

Eligible expenses

On its website, the provincial government lays out the details around eligibility, including that Ontarians can claim the credit for accommodation expenses for “a leisure [not business-related] stay of less than a month,” at a short-term accommodation, such as a: hotel, motel, resort, lodge, bed-and-breakfast establishment, cottage or campground.

The stay must occur between Jan. 1 and Dec. 31, 2022, the province says, “regardless of timing of payment.”



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Chase Sapphire Reserve DoorDash Credit


Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners.

The Chase Sapphire Reserve® has a long list of benefits, including the ability to earn valuable Chase Ultimate Rewards® points, access to airport lounges, travel insurance and more. But before the end of the year, be sure to use your DoorDash statement credits as they will expire on Dec. 31.

With the Sapphire Reserve, you have $60 in credits to use on DoorDash orders, where you can order from a variety of dining options for both delivery or carryout. So while you’re enjoying the other benefits of the card, be sure to not let these credits go to waste.

Here’s everything you need to know about the credits.

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Chase Sapphire Reserve $60 DoorDash credit ends soon

In May 2021, Chase added a complimentary year-long DashPass membership to several Chase co-branded credit cards. DashPass is a subscription service within DoorDash, giving members waived delivery fees and reduced service fees on orders over $12. DashPass members also receive 5% back in DoorDash credit on all pickup orders.

There are dozens of Chase credit cards eligible for this offer, including the Chase Sapphire Reserve and the Chase Sapphire Preferred® Card. However, the Sapphire Reserve has one benefit the rest don’t — the $60 annual credit. This is relatively easy to use and can help you recoup part of the card’s $550 annual fee.

To activate this credit, along with your DashPass membership, all you need to do is go onto the DoorDash website or app and use your Sapphire Reserve for your order. It will prompt you to enroll in the benefit and then you’ll be able to use the credits, which will be applied automatically as a statement credit. The statement credits will automatically be applied to your account when you make qualifying DoorDash purchases, up to an annual maximum of $60.

It is unclear if Chase is planning to extend the benefit into 2022, but as of now, the credit will expire on Dec. 31, 2021.

Best credit cards for food delivery

Chase Sapphire Reserve®

  • Rewards

    Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2022

  • Welcome bonus

    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

  • Annual fee

  • Intro APR

  • Regular APR

    16.99% to 23.99% variable

  • Balance transfer fee

  • Foreign transaction fee

  • Credit needed

American Express® Gold Card

On the American Express secure site

  • Rewards

    4X Membership Rewards® points on restaurants (including takeout and delivery, plus, Uber Eats purchases) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

  • Welcome bonus

    60,000 Membership Rewards® points after you spend $4,000 on eligible purchases within the first 6 months from account opening

  • Annual fee

  • Intro APR

  • Regular APR

  • Balance transfer fee

  • Foreign transaction fee

  • Credit needed

Capital One Savor Cash Rewards Credit Card

Information about the Capital One® Savor® Cash Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

  • Rewards

    4% cash back on dining and entertainment, 4% on eligible streaming services, 3% at grocery stores and 1% on all other purchases

  • Welcome bonus

    Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first three months from account opening

  • Annual fee

  • Intro APR

    0% for the first 12 months on purchases; N/A on balance transfers

  • Regular APR

    15.99% to 24.99% variable

  • Balance transfer fee

    3% for promotional APR offers; none for balances transferred at regular APR

  • Foreign transaction fee

  • Credit needed

Bottom line

The Chase Sapphire Reserve is packed with benefits, including the DoorDash spending credits.

However, before you order from DoorDash with your DashPass credit, be sure to closely monitor the costs of what you’re ordering. A $5 coffee from Starbucks can quickly turn into $14 when you include tip and service fees. And even when you use carryout, food items can be priced higher compared to going into the restaurant and ordering directly. So while the DoorDash credit is easy to use, once the credit is drained, it may be best for your budget to avoid food delivery services.

Catch up on Select’s in-depth coverage of personal financetech and toolswellness and more, and follow us on FacebookInstagram and Twitter to stay up to date.

For rates and fees for the Amex Gold Card, click here

Information about the Capital One Savor Cash card has been collected independently by Select and has not been reviewed or provided by the issuer of the cards prior to publication.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.





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Get automatic rental car elite status through your credit card






Get automatic rental car elite status through your credit card – The Points Guy
























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