My Credit Score History | A Real Life Example of the Credit Score Impact

Tweet Today we open the doors wide on my credit score history so you can see how applying for multiple credit cards impacts your credit score. Because I really want to make it easy for you, I’m going to be transparent and list the cards I applied for between each application.  That way you can […]

How to Organize, Track, and Manage Points & Miles so it Doesn’t Become a Full-time Job

Tweet When people object to this little game of collecting miles and points, there are two common objections. 1.  I’m afraid it will hurt my credit score.  The truth is that it impacts your credit score, but not by as much as you might think. 2.  It takes too much time and effort. While it […]

Starwood 25,000 Bonus Offer is Back

Tweet Last summer, the Starwood American Express had a limited time sign up bonus where you could get up to 30,000 Starwood miles.  Update September 5th, 2012.  This offer has expired. The offer only comes around once or twice a year, so this is a great time to consider this card. I’m personally really excited […]

Travel Credit Card Reward Spending Guide By Bonus Categories

Tweet By owning Help Me Travel Cheap, I sometimes get to cheat.  I get to do things that I’d like to do anyways and turn it into a blog post. If you’re going to turn credit card rewards into nearly free travel, you’ll need to know which is the best card to use for different […]

Best Hotel Credit Cards With Valuable Status Benefits

Tweet I don’t live the high life.  I’m a simple guy who enjoys traveling.  For that reason, I’ve never really paid much attention to status and benefits with either airlines or hotels. The point of this blog is to help you travel cheaply, not luxuriously. Until this week, I’ve always assumed that traveling cheaply and luxuriously landed on […]

Warning: You May Get a Better Rate of Return By Avoiding an Airline Branded Credit Card

Tweet Over the last year, I’ve done a lot of free credit card consultations. I’ve noticed a pattern with the credit cards that people have on hand. The pattern would appear to be logical, but it actually isn’t. The assumption is that I should have and use the credit card that is sponsored by my […]

Best Airline Credit Cards Where Miles Post After First Purchase

Tweet One of the most frequent questions and concerns I get is regarding a credit card minimum spend.  This is especially true if a person is planning to apply for multiple cards at one time. There are not a lot of people who can spend $10,000 within three months. Today we’ll explore some of the […]

Continental One Pass Credit Card To Be Discontinued | Pitfalls and Opportunities

Tweet Shortly, the Continental One Pass credit card will be discontinued. The only official material I have available to me is that the card will not be available for new sign-ups after Feb. 29th, 2012. Should you rush out and apply for a Continental One Pass credit card? Should you cancel your One Pass credit […]

The Business Card Denial: Lessons Learned for Non Income Earning Spouses

Tweet One of the most under-utilized tactics for fast tracking mileage earning is applying for business credit cards. The best current example is the Chase Ink Bold credit card that gives 50,000 Ultimate Rewards points for signing up and spending $5,000 in the first 3 months. Most folks don’t actually realize that they have a […]