Credit Checks. What You Need to Know.
Understanding Credit Checks: What You Need to Know to Keep Your Score Safe
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and 20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.
If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need — anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.
If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
Extends the time period of U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of 3 years or less.
Use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits.
Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
Get complimentary access to DashPass – a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by December 31, 2024.. With DashPass you also get $5 in DoorDash credits each month, redeemed at checkout.
Complimentary access to 1,300+ airport lounges worldwide with up to two guests, including every Chase Sapphire Lounge by The Club, after an easy one-time enrollment in Priority Pass™ Select.
Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Auto Rental Collision Damage Waiver — Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.
Get 50% more value when you redeem for travel through Chase Ultimate Rewards. For example, 60,000 points are worth $900 toward travel.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.
Take advantage of the most flexible travel credit available by receiving up to $300 in statement credit reimbursements each anniversary year for more of your travel purchases than any other card.
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel℠. Plus, Chase Travel℠ rewards points do not expire as long as the account is open.
Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Get free additional warranty and protection on eligible items that you purchase with your card.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Enjoy comprehensive, personalized assistance in dining, entertainment and travel—24 hours a day, 365 days a year.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Earn 10% cash back on purchases with Uber and Uber Eats. Plus, complimentary Uber One membership statement credits every month through November 14, 2024.
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
50% savings on eligible inflight purchases on JetBlue-operated flights
15% off the non-discounted price of select guided tours at the Disneyland® and Walt Disney World® Resorts when you use your credit card to purchase.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Get 10% back as a statement credit when you book a Carnival shore excursion on carnival.com prior to your cruise
You receive 5 qualifying night credits towards your next tier status every year.
10% off select credit card purchases at shopDisney.com.
Special access to unforgettable experiences – from fine wine and food events, luxury hotels and premium car rental service to sporting events, shopping and more.
Wyndham Rewards Earner Business Cardmembers can save even more on our Best Available Rate at participating Hotels by Wyndham
The Active Cash Card offers you a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Benefits include room upgrade, late check-out and complimentary breakfast. Visit Visa Signature Hotel Collection7 and learn more.
Gain peace of mind 24/7 with fraud monitoring, shopping protection, and assistance while traveling with trip delays, cancellations, interruptions and more.
For annual streaming service purchases like Netflix and Spotify®
Up to 6 months of complimentary Uber One membership statement credits through November 14, 2024.
Terms Apply. Enrollment required for select benefits. The Hotel Collection requires a minimum two-night stay.
50% savings on eligible inflight purchases on JetBlue-operated flights
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Earn toward Mosaic with every purchase
When you purchase your travel ticket with your USAA card, you are eligible to receive coverage for loss of life or limb. This coverage applies to air travel, ferry, cruise ship, train or bus transportation.
Redeem 10% fewer Wyndham Rewards points for go free® awards.
Provides accidental death or dismemberment insurance while traveling on a common carrier, (plane, train, ship or bus) when the entire fare is charged to your Card. Travel Accident Insurance provides coverage up to $250,000.
Earn 2% back in the top two categories where you spend the most each month automatically.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Use your eligible credit card to purchase travel fares on common carriers (train, plane, bus, or ship) and receive automatic Accidental Death and Dismemberment Insurance for you and your family. Certain terms, restrictions, and exclusions may apply.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Receive World of Hyatt Discoverist status for as long as your account is open.
Double the time period of the original manufacturer’s written U.S. warranty up to one (1) additional year on warranties of three (3) years or less – up to a maximum of ten thousand dollars ($10,000) per claim. The eligible item must have been purchased with your eligible credit card. Certain terms, conditions, and exclusions may apply.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
50% savings on eligible inflight purchases on JetBlue-operated flights
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
Redeem for statement credits toward any Carnival purchase, onboard experiences, and more. Redemptions start at 5,000 FunPoints® for a $50 statement credit toward a Carnival Cruise Line purchase in the last 180 days
Up to $1,500 per trip. Maximum of $5,000 per card, per year.
Up to $120 in statement credits to reimburse your application fee once every four years.
Enjoy access to can't-miss events while earning 8% cash back on Capital One Entertainment purchases with your SavorOne Card.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
For eligible products purchased entirely with Card, Extended Warranty doubles the original manufacturer's (or U.S. store brand) warranty of 1 year or less.
Give the gift of Discoverist status to up to five employees.
Provides valuable features that help you manage, use, and extend the warranties for eligible items purchases
Get tools to help keep you informed of threats that may affect your identity.
Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
Get our best prices on thousands of trip options'even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
View your FICO® Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile® App and Citi® Online. See the key factors affecting your score and more.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
With our Venture X, Venture and VentureOne miles rewards cards, transfer your miles to your choice of 15+ travel loyalty programs for more flexibility.
Rent an eligible vehicle with your credit card and you can be covered for damage due to collision or theft.
Get free additional warranty and protection on eligible items that you purchase with your card.
Get free additional warranty and protection on eligible items that you purchase with your card.
Go through airport security and customs more quickly with Venture X Business. Receive up to a $100 statement credit on Global Entry or TSA PreCheck®
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Enjoy unlimited access for you and 2 guests to 1,300+ lounges worldwide from Priority Pass™ and Plaza Premium Group.
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—plus transfer miles to your choice of 15+ travel loyalty programs.
Skip the rental counter and enjoy the widest selection of cars with a complimentary upgrade.
Receive up to a $100 credit for Global Entry or TSA PreCheck®.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Receive complimentary membership with your Venture X Business card
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Enjoy unlimited free visits for Venture X Business cardholders.
Get our best prices on thousands of trip options'even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.
Enjoy access to can't-miss events while earning 8% cash back on Capital One Entertainment purchases with your SavorOne Card.
Enjoy a $100 experience credit, daily breakfast for 2 and other premium benefits, plus earn 10X miles on hotel stays booked through Capital One Travel.
Unlock premium benefits with every stay, like a $50 experience credit, room upgrades when available and more. Plus, earn 10X miles on hotel stays booked through Capital One Travel.
Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.
Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you’re away from home.
Travel benefits your business needs including $1,000,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.
Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.
Choose the best Home Chef meal kit for you. Get up to $15 in statement credits back per month after you use your enrolled Blue Cash Everyday® Card to purchase a Home Chef subscription.
A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart, free same-day delivery of groceries from store (where available, subject to order minimum), & more. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit for up to $12.95 (plus applicable taxes) that covers the full cost (excluding any Plus Up Benefits) each month.
Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Business Gold Card.
Elevate your travel experience with an annual statement credit of up to $150 after using your Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
You'll automatically receive up to $125 in statement credits as reimbursement for United purchases charged to your United Quest Card each account anniversary year.
Get rewarded to and from the airport. Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. That's up to $120 back each year.
Get rewarded to and from the airport. Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. That's up to $120 back each year.
When you use your enrolled Delta SkyMiles(R) Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 back each month in statement credits.
With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
Work out at home with Equinox+ and get up to $120 back annually. Use your Blue Cash Preferred® Card to pay for a subscription1 to Equinox+ at equinoxplus.com and receive $10 in monthly statement credits.
Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Effective September 26, 2024, Milk Bar and Shake Shack will no longer be participating partners for the $120 Dining Credit and 'Enrollment required' for select benefits
You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland, subject to availability.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.
4 Upgraded Boardings per year when available.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.
With your Delta SkyMiles Reserve American Express Card receive upgrade priority over other Medallion members within the same Medallion level and fare class grouping.
Starting with your first anniversary, you'll get 5,000 miles back in your MileagePlus® account after you take a United® or United Express-operated award flight booked with your miles - up to 2 times every anniversary year.
This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay. Make a reservation through the program using your Chase card to receive the following benefits including daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, complimentary Wi-Fi, a room upgrade, if available, and early check-in and late checkout, if available. Please visit for more information.
This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay. Make a reservation through the program using your Chase card to receive the following benefits including daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, complimentary Wi-Fi, a room upgrade, if available, and early check-in and late checkout, if available. Please visit for more information.
This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay. Make a reservation through the program using your Chase card to receive the following benefits including daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, complimentary Wi-Fi, a room upgrade, if available, and early check-in and late checkout, if available. Please visit for more information.
This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay. Make a reservation through the program using your Chase card to receive the following benefits including daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, complimentary Wi-Fi, a room upgrade, if available, and early check-in and late checkout, if available. Please visit for more information.
If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need ' anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.
If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need ' anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.
If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need ' anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.
If you have a roadside emergency, call the Benefit Administrator to dispatch the help you need. Roadside service fees will be billed to your card.
Your new camera was stolen. You knocked over your new lamp moving your couch. Sometimes the unexpected happens. But when you use your Eligible Card for Covered Purchases, it's nice to know Membership can help protect your Covered Purchases from accidental damage or theft for up to 90 days from the Covered Purchase date. Please read important exclusions and restrictions.
Sometimes your favorite new purchase gets stolen, accidentally damaged, or lost. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date.
As a Card Member, your Covered Purchase can be covered for up to 90 days from the Covered Purchase date when you charge the Covered Purchased item with your Eligible Card account. Please read important exclusions and restrictions.
When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry'on bag and settle in sooner.
Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Make your next trip unforgettable by flying private with Wheels Up. As a Business Platinum Card Member, save on a Wheels Up Connect or Core Membership initiation fee and receive a flight credit to use toward your first Wheels Up flight taken within your first 12 months of Membership. Enrollment required.
Stay connected with complimentary in-room, premium internet access while staying at hotels participating in the Marriott Bonvoy program. Booking requirements apply for in-room Internet access.
Receive free in-room, premium Internet access.
With Premium Global Assist® Hotline, when you travel more than 100 miles from home, we can provide you with 24/7 medical, legal, financial or other select emergency coordination and assistance services. Emergency medical transportation assistance may be provided at no cost, if authorized and arranged by Premium Global Assist Hotline. Card Members may be responsible for the costs charged by third-party service providers.
Earn 10x total points on Lyft rides. Plus, get a complimentary 2 year Lyft Pink All Access membership including member-exclusive pricing and benefits – activate by Dec 31, 2024. Membership auto renews annually.
Earn 5x points on Lyft rides through March 31, 2025. That's 3x points in addition to the 2x points you already earn on travel.
The Active Cash Card offers you a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Benefits include room upgrade, late check-out and complimentary breakfast. Visit Visa Signature Hotel Collection7 and learn more.
Enjoy a premium collection of benefits at a selection of
the world’s most intriguing and prestigious properties.
Learn more about the Visa Signature Hotel Collection
at VisaSignatureHotels.com
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+. Plus, Instacart+ members earn up to $15 in statement credits each month through July 2024. Membership auto-renews.
Skip the trip and have your groceries delivered to your doorstep with 6 months of complimentary Instacart+. Plus, Instacart+ members earn up to $15 in statement credits each quarter through July 2024.
The primary Cardmember is eligible for Platinum Elite status in IHG One Rewards (enhance your stay with complimentary room upgrades and extended check-out as available, earn points towards free nights and elite points that never expire). Plus, receive up to $75 in statement credits as reimbursement for IHG® Hotels and Resorts purchases charged to your card from January 1, 2023, through December 31, 2023.
As an IHG One Rewards credit cardmember, you are upgraded to IHG One Rewards Platinum Elite status for as long as you remain a Premier Business cardmember, and as long as your IHG One Rewards membership remains in good standing.
As an IHG One Rewards credit cardmember, you are upgraded to IHG One Rewards Platinum Elite status for as long as you remain a Premier cardmember, and as long as your IHG One Rewards membership remains in good standing.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more
Earn IHG One Rewards Gold Elite Status after you spend $20,000 on purchases each calendar year.
Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card account in a calendar year.
Earn one Free Night Reward from Hilton Honors after spending $15,000 on purchases on your Card in a calendar year.
Cardmembers and travel companions (up to eight) traveling on the same reservation will all enjoy free first checked bags (up to 50lb) when travel originates on an Air Canada flight.
The primary Cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free (up to $35 value, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card. For complete details, please visit .
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
Keep long airport lines from slowing you down. Basic Card Members can receive a statement credit for a five-year membership every 4 years after applying for Global Entry ($100) or every 4.5 years after applying for TSA PreCheck® (up to $85) through a TSA PreCheck official enrollment provider and pay the application fee with your Delta SkyMiles® Reserve Business American Express Card.
Stay focused on getting where you need to go. Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
What if the color fades on your new flat-screen TV? Or your food processor starts rattling instead of slicing and dicing? Chances are it will happen right after the Manufacturer's Warranty runs out. Fortunately, when you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories.
Why is it that as soon as a Manufacturer's Warranty runs out, something always seem to happen? Use your Eligible Card for Covered Purchases and you can have warranty protection for longer. Extended Warranty matches the Original Manufacturer's Warranty for up to one additional year when you use your Eligible Card. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.Coverage limited to the actual amount charged on your Card for the item up to $10,000 per item and $50,000 per calendar year.
Why is it that as soon as a Manufacturer's Warranty runs out, something always seems to happen? Use your Eligible Card for Covered Purchases and you can have warranty protection for longer. Extended Warranty matches the Original Manufacturer's Warranty for up to one additional year when you use your Eligible Card. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your Explorer Card (up to 1,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.
Get one Free Night Award every year, after your Card renewal month. And earn another Free Night Award after you spend $60,000 in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at over 7,000 hotels participating in the Marriott Bonvoy program worldwide. Certain hotels have resort fees.
2 EarlyBird Check-In® each year.
2 EarlyBird Check-In® each year
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Earned each account anniversary year with a current point redemption cap of 40,000 points. You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
Earned each account anniversary year with a current point redemption cap of 40,000 points. You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
Each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you'll get 2,500 bonus points.
With Preferred Access, you will have access to premium seats for select cultural and sporting events, based on availability.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in'flight purchases of food, beverages, and audio headsets.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages,and audio headsets.
With the Marriott Bonvoy Bevy™ American Express Card®, each calendar year you can receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status.
10,000 Companion Pass® qualifying points boost each year.
7,500 points every year on your Cardmember anniversary.
Receive 6,000 bonus points each year after your Cardmember anniversary.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.
Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Chase Travel℠ points equal 1,000 partner miles/points.
Are you a member of a frequent travel program? With Chase Sapphire Preferred®, you can transfer your points to leading frequent travel programs at 1 to 1 value.
Earn 1,500 tier qualifying points toward A-List status for every $5,000 spent – with no limit on the amount of TQPs you can earn.
Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott Bonvoy for properties participating in Marriott Bonvoy.
Understanding Credit Checks: What You Need to Know to Keep Your Score Safe
song.url
A lot of people get nervous when they see credit checks on their report. They worry these checks will hurt their credit score or mess up their chances of getting loans later. That makes sense - but the good news is that many credit checks don't affect your credit at all. Let me explain the whole thing clearly.
A credit check happens when someone looks at your credit history. This could be a bank, a credit card company, your landlord, or even you. Think of it like someone reading your financial report card - they're trying to learn about how you handle credit and paying bills.
These are the credit checks that can affect your credit score. They happen when you actually apply for new credit. Banks and lenders have to report these applications because it helps other lenders see what you've been up to with your credit lately.
You'll get a hard check when:
Here's what happens with hard checks:
Soft checks are totally different. They're like someone taking a quick peek at your credit without doing a deep dive. The best part? They don't hurt your credit score at all.
Soft checks happen when:
Important things to know about soft checks:
Here's something really helpful to know: When you're looking for a big loan, like a mortgage or car loan, you probably want to check rates at different places. The credit scoring companies know this, so they give you a break. You get a 45-day window where multiple checks for the same type of loan only count as one hard check. This means you can shop around for the best deal without worrying about hurting your credit multiple times.
Sometimes you might see a hard check on your report that you don't remember doing. Here's what to do:
The best way to handle credit checks is to:
Remember, credit checks are just part of life in the financial world. As long as you understand which ones matter and keep an eye on your credit report, you'll be in good shape. And if you're planning to apply for something important like a mortgage, try not to apply for other credit cards or loans for a few months before. This keeps your credit looking strong when it matters most.
Get the latest credit card insights, finance hacks, and exclusive offers. Sign up and shape your financial future now!
0 Comments