Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months - that’s $600 toward your next trip
4X points on hotels
3X points on restaurants
Earn 75,000 bonus points after spending $2,000 on purchases in the first 180 days.
4X points per $1 spent on grocery store purchases (excluding Target® and Walmart®)
6X points per $1 spent on eligible purchases made at Hotels by Wyndham
6X points per $1 on qualifying gas purchases
4X points per $1 spent on dining
EARN 50,000 TRAVEL MILES after spending $500 on purchases and paying the annual fee in full, both within the first 90 days of account opening
5x miles on eligible purchases at flyfrontier.com
2X miles on eligible restaurant purchases
Earn 70,000 American Airlines AAdvantage® bonus miles after making $7,000 in purchases within the first 3 months of account opening.
4X AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After you spend $150,000 in purchases on your card in a calendar year, earn a total of
5X AAdvantage® miles on eligible American Airlines purchases for the remainder of the year.
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.)
Understanding Credit Inquiries: What They Mean for You and How to Manage Them
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I know many people worry about credit inquiries on their reports. It makes sense - they can affect your score and future applications. But not every inquiry impacts you the same way. Let me walk you through what they are and when they actually matter.
When someone reviews your credit history, that's a credit inquiry. There are two different types, and understanding the difference will help you manage your credit better.
Hard inquiries happen when you apply for credit. Lenders are legally required to report these applications on your credit report so other lenders can see your recent credit activity. This helps them make informed decisions about your applications.
You'll see these when:
What this means for you:
Soft inquiries won't affect your credit score at all. These happen more often than you might think.
These occur when:
What you need to know:
If you're shopping for a major loan, you have some flexibility. Credit scoring models give you a 45-day window where multiple inquiries for the same type of loan count as one inquiry. This lets you compare rates without worrying about multiple hits to your credit.
If you spot inquiries you don't recognize, contact the credit bureau and ask which lender made the inquiry. Then call that lender to check if someone opened an account. If you suspect identity theft, tell the bureau immediately, dispute the inquiries, and request a credit freeze. File an identity theft report at identitytheft.gov to protect yourself.
Watch your hard inquiries, but don't stress too much about them. Try to space out credit applications when possible, and use that rate-shopping window for big loans. Regular credit report checks will help you stay on top of things. And if you see something suspicious, act quickly - early action prevents bigger problems later.
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