TOP News

Travel: The cards TPG staffers are keeping, canceling and downgrading

How to change or cancel a United Airlines flight

  How to change or cancel a United Airlines flight United Airlines is one of the largest airlines in the U.S., so — especially if you live near one of its hubs — there’s a good chance you’ll find yourself booked on a United Airlines flight at some point in the future. But travel plans can change quickly. So it’s in your best interest to …When United Airlines’ CEO Scott Kirby announced that the airline was eliminating many change fees early in the pandemic, he significantly altered the landscape. To help you cover your bases, this guide will go through all of United’s change and cancellation policies, including when you can get a United Airlines refund.

MSN has partnered with The Points Guy for our coverage of credit card products. MSN and The Points Guy may receive a commission from card issuers.

As we enter our third year of the COVID-19 pandemic, some credit card issuers continue to adapt their products to fit the needs of their customers. But sometimes, it’s not enough.

The Points Guy staff is not immune from this. In the new year, we’re all taking a hard look at the cards in our wallets. We originally did this last spring, but a lot has changed since then, so I polled my colleagues to see what changes they’ve made with their credit card strategies. Here’s what they had to say, in their own words.

How to change or cancel a Southwest Airlines flight

  How to change or cancel a Southwest Airlines flight If you’re looking for an airline with the most favorable policies for canceling or changing a flight, Southwest is your best bet. Simply stated, you can change or cancel any Southwest flight without fees. While other airlines might charge you well over $100 to change an already booked itinerary, that isn’t Southwest Airlines‘ model. The …The Southwest cancellation policy and Southwest refund policy are some of the most generous you’ll find. So, if you need to change or cancel a Southwest Airlines flight, you’re in luck. Here’s what you should know.

New to The Points Guy? Sign up for our daily newsletter and check out our beginner’s guide.

In This Post

Brian Kelly, The Points Guy

(Photo by John Gribben for The Points Guy) © The Points Guy (Photo by John Gribben for The Points Guy)

It’s no secret that the Capital One Venture Rewards Credit Card is one of my favorite cards because it gives 2 miles per dollar spent on all purchases. I can use those miles and transfer them to partners, but I can also “wipe” travel-related charges off my balance (such as Uber, Blade and taxes and fees on award tickets).

However, the new Capital One Venture X Rewards Credit Card is like the Venture on steroids, with so many new features (such as travel insurance and lounge access) [that] the perks pay for themselves many times over. Not to mention, a cool 100,000-mile bonus after spending $10,000 in the first six months from account opening, never hurts! I will apply new and downgrade my Venture card to the Capital One SavorOne Cash Rewards Credit Card, which has no annual fee and earns 3% back on entertainment and select streaming services.

How to get a 10% return on your Amazon purchases

  How to get a 10% return on your Amazon purchases Editor’s note: This post has been updated with the latest information. If you’re among the nearly 150 million Amazon Prime members in the U.S., chances are you spend a significant amount with the online retail giant. We’ve previously dug into the best cards for Amazon purchases, including cards that earn up to 5% cash back …If you’re among the nearly 150 million Amazon Prime members in the U.S., chances are you spend a significant amount with the online retail giant.

Related: The most exciting premium card to come around in years: A review of Capital One Venture X

Katie Genter, senior points and miles writer

Genter likes to use points and miles to book hotels at places such as the Marriott Fiji Resort Momi Bay. (Photo courtesy of Marriott) © The Points Guy Genter likes to use points and miles to book hotels at places such as the Marriott Fiji Resort Momi Bay. (Photo courtesy of Marriott)

I currently have 17 open cards. Of them, four are no-annual-fee cards that I plan to keep for the foreseeable future, since they aren’t costing me anything and they boost my available credit. However, I have to think harder each year about the cards that charge an annual fee.

Related: Yes, I have 22 credit cards; here’s why

Here’s where these cards currently s:tand in my book:

  • Citi Premier® Card: Keep. This card earns 3 points per dollar spent at gas stations, which is extremely valuable while traveling by recreational vehicle.
  • Capital One Venture Rewards Card: Keep. Since this card earns 2 miles per dollar spent on all purchases, it’s a good card for everyday spending when I’m not working toward a sign-up bonus on a new card.
  • Ink Business Preferred Credit Card: Keep. I love using this card for flights and general travel expenses. After all, I earn 3 points per dollar spent on these purchases (on the first $150,000 spent in select categories each account anniversary year). Plus, the Ink Preferred has solid travel protections, including trip delay reimbursement.
  • Chase Sapphire Preferred Card: Keep for now. I’ll eventually downgrade it to sign up for the Chase Sapphire Reserve if it offers an elevated sign-up bonus and I’m otherwise eligible.
  • Citi Prestige® Card: Unsure. This card has become less valuable over the years, but I do love earning 5 points per dollar on dining. I’ll likely call to see if I can get a retention bonus when my $495 annual fee comes due, as I am tempted to close or downgrade this card.
  • The Business Platinum Card® from American Express: Probably keep. I am an authorized user on The Platinum Card® from American Express, so having the Business Platinum is somewhat redundant. I expect I’ll keep my Business Platinum for a few more years, though, as I write about it and get value from the biannual U.S. Dell credits. Enrollment required for select benefits.
  • Southwest Rapid Rewards Premier Credit Card: Keep. This is my oldest account, so I plan to keep it open for the foreseeable future. Best of all, it gives me 6,000 points each account anniversary, which helps justify the card’s $99 annual fee.
  • CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Keep. I expect this card may come in handy as I work to earn Loyalty Points in 2022.

Additionally, I have five cobranded hotel credit cards, including the IHG Rewards Club Premier Credit Card, the Marriott Bonvoy Boundless Credit Card, the World of Hyatt Credit Card and the Marriott Bonvoy Business™ American Express® Card. I won’t consider closing these cards as long as they continue to provide annual free night certificates that I can redeem for more value than the annual fee.

Treasures that could be worth many millions. Or not very much at all

  Treasures that could be worth many millions. Or not very much at all We look into the biggest debates surrounding artworks where authorship, and therefore value, continues to be disputed by scholars, experts and owners.

The information for the Citi Prestige and CitiBusiness AAdvantage Platinum card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Best hotel credit cards

Juan Ruiz, credit cards editor

a close up of a painted wall: The Amex Centurion Lounge at LaGuardia Airport (LGA). (Photo by Zach Griff/The Points Guy) © The Points Guy The Amex Centurion Lounge at LaGuardia Airport (LGA). (Photo by Zach Griff/The Points Guy)

This is my final year as an Amex Platinum cardmember. Amex’s widely unpopular announcement about cardholders losing complimentary Centurion Lounge guest access starting February 2023 means I would have to cough up $30 per child to access their swanky lounges with my family. While I could unlock free Centurion lounge guest access if I spend $75,000 per calendar year, I do not plan on doing that since these new changes make the $695 annual fee (see rates and fees) less absorbable after 2022.


Video: 'Don't weigh me' cards aim to limit doctor's office anxiety (NBC News)

Related: Dear Amex, please don’t charge little kids $30 for lounge access

6 cards that get you more than $1,000 in value every year

  6 cards that get you more than $1,000 in value every year Editor’s note: This post has been updated with new information. There are many reasons to open travel rewards credit cards — and to keep them in your wallet. While introductory welcome bonuses can provide tons of value initially, you’ll want to make sure that you can justify paying any applicable annual fees for years to …There are many reasons to open travel rewards credit cards — and to keep them in your wallet. While introductory welcome bonuses can provide tons of value initially, you’ll want to make sure that you can justify paying any applicable annual fees for years to come.

Stella Shon, credit cards writer

A Delta Boeing 737-900. (Photo by David Slotnick/The Points Guy) © The Points Guy A Delta Boeing 737-900. (Photo by David Slotnick/The Points Guy)

I’m keeping my Delta SkyMiles® Reserve American Express Card. With the Medallion® Qualification Miles (MQM) rollover, I’ll just need to meet my goal of spending $25,000 on the card in 2022 to keep my Delta SkyMiles Platinum status for 2023.

Related: Earn 20,000 MQMs the easy way: Delta SkyMiles Reserve American Express Card review

Madison Blancaflor, travel editor

I’m planning to keep my entire lineup of cards this year (and definitely adding more). My American Express® Gold Card, Chase Sapphire Preferred and Capital One Venture cards are all staying at the forefront of my wallet as my big three for 2022. They complement each other well, cover all of my major spending categories and help me keep my points stash diversified.

Related: Why right now may be the best time to sign up for a mid-tier credit card

Tom Grahsler, director of video

Entrance to the Centurion Lounge at Dallas-Fort Worth International Airport. (Photo by Joseph Hostetler/The Points Guy) © The Points Guy Entrance to the Centurion Lounge at Dallas-Fort Worth International Airport. (Photo by Joseph Hostetler/The Points Guy)

I’m dropping my Amex Platinum card since the renewal is up in February 2022. I don’t want to get hit with its now-higher $695 annual fee, especially since I barely used it last year. I only kept it for lounge access but found that [the lounges] were always packed, so I’m no longer inclined to pay up for this benefit. Instead, I’ll use my new Capital One Venture X card — which also comes with lounge access — to fill that slot.

Everything you need to know about Visa Signature card benefits

  Everything you need to know about Visa Signature card benefits As a Visa credit cardholder, you’re entitled to everyday card perks and benefits. Visa buckets these benefits into three tiers, depending on what specific card you have and who the card issuer is. The benefits fall into one of the following categories: Visa Traditional, Visa Signature, or Visa Infinite – each with more perks than …Let’s dive into exactly what Visa Signature is and how those benefits can impact you.

Related: Who should (and shouldn’t) get the Capital One Venture X card?

David Slotnick, ​​senior aviation business reporter

a room filled with furniture and a large window: Slotnick prefers to use his Delta Reserve card for access to a Delta SkyClub, such as the one at JFK’s Terminal 4. (Photo by Alberto Riva/The Points Guy) © Provided by The Points Guy Slotnick prefers to use his Delta Reserve card for access to a Delta SkyClub, such as the one at JFK’s Terminal 4. (Photo by Alberto Riva/The Points Guy)

I tried to drop my Amex Platinum card this past year, but they offered such a good retention bonus — 40,000 points for $3,000 spend within three months — that I decided to keep it. However, unless they offer a similar bonus this year, I’ll be closing it.

Even if I could make up the $695 annual fee by maximizing all the various credits, I don’t have the patience to basically use up a coupon book in order to justify paying such a high fee. The card has gotten too complex and scattered. I need SkyClub access, though, so I’ll stick with the Delta Reserve, a card that can pay for itself each year with just the companion certificate.

Related: It’s a ‘lifestyle’ card now: A closer look at the Amex Platinum’s 6 new benefits launched in 2021

Steve Romain, TPG engineer manager

I’m canceling my Southwest Rapid Rewards Plus Credit Card after applying for the Southwest Rapid Rewards Performance Business Credit Card to try and get the Companion Pass for 2022-2023. I’m downgrading my Chase Sapphire Reserve to the Preferred now that I’ve dumped most of my Chase points into a bunch of Hyatt stays in Europe this summer. In addition to these changes, I’m considering adding the Amex Gold to my wallet so I can take advantage of its benefits when I travel internationally.

Flight delayed or canceled? Here are the best credit cards with trip delay reimbursement

  Flight delayed or canceled? Here are the best credit cards with trip delay reimbursement Editor’s note: This post has been updated with new information. There are many things that can go wrong when you travel these days. From rental car shortages to limited amenities at hotels, hitting the road is not for the faint of heart. And unfortunately, flight-related issues abound as carriers try to keep up with booming …There are many things that can go wrong when you travel these days. From rental car shortages to limited amenities at hotels, hitting the road is not for the faint of heart. And unfortunately, flight-related issues abound as carriers try to keep up with booming demand while dealing with staffing shortages and weather headaches.

Related: How to quickly earn the Southwest Companion Pass

Katharine Leitch, senior associate

a display in a building: An exercise room at the Equinox hotel. (Photo by Melanie Lieberman/The Points Guy) © Provided by The Points Guy An exercise room at the Equinox hotel. (Photo by Melanie Lieberman/The Points Guy)

I’m keeping my Amex Platinum card solely because of the Equinox benefit. It’s easy to justify the $695 annual fee with three of the card’s larger annual statement credits: up to $200 for airline incidental fees, up to $200 in Uber Cash toward rides and Uber Eats orders in the U.S., and up to $300 toward Equinox membership fees or the Equinox+ app. Without Equinox, I’d probably drop it pretty quick. To Tom Grashler’s point above, I’ve only really used this card for lounges, and those have become largely overcrowded and unenjoyable. Enrollment required for select benefits.

Related: Your guide to using the new Amex Platinum Equinox credit

Jermaine Lecky, associate engineer

(Photo by Zach Griff/The Points Guy) © The Points Guy (Photo by Zach Griff/The Points Guy)

I plan on keeping my AAdvantage® Aviator® Red World Elite Mastercard. Even though I don’t use my Citi® Diamond Preferred® Card, I’ll probably still keep it just to keep my credit availability up.

The information for the AAdvantage Aviator Red Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: The many flavors of Barclays’ AAdvantage Aviator credit cards

For rates and fees of the Amex Platinum card, click here.

Featured photo by Olleg/Shutterstock.

SPONSORED: With states reopening, enjoying a meal from a restaurant no longer just means curbside pickup.

And when you do spend on dining, you should use a credit card that will maximize your rewards and potentially even score special discounts. Thanks to temporary card bonuses and changes due to coronavirus, you may even be able to score a meal at your favorite restaurant for free.

These are the best credit cards for dining out, taking out, and ordering in to maximize every meal purchase.

--

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Credit card strategies for non-obsessive cardholders .
I’m a rare breed at The Points Guy. While I keep an eye on the points and miles I accumulate on my credit cards and do some spending to accrue more, I’m not nearly as obsessed as some of my fellow TPG coworkers (no offense). I also don’t have nearly as many credit cards as …Related: TPG reader question: How many credit cards are too many?

See also