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19 Best Credit Card Offers January 2022

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Every month I make a post with what I consider to be the best credit card offers at the time, with a particular focus on the best travel credit cards.

With it being a new year, it’s a great time to start getting your points earning strategy in order, so you’re ready to plan your dream trip when the time is right. That’s especially true when you consider that we’re currently seeing some of the best credit card welcome bonuses that we’ve ever seen.

While there are several excellent long-standing credit card offers, the specifics of the top offers are constantly changing (be it the annual fee, minimum spending requirement, or even amount of the welcome bonus).

If you read my blog on a daily basis then by all means skip this post, but for me it’s a useful, “current” place to refer people who ask about which cards they should apply for, a question I get on a daily basis.

Why you should care about credit card offers

Simply put, most people want to travel better, but don’t know how. One of the best ways to improve your travel experience is to pick up an excellent credit card that can add value to you.

After all, doesn’t this…

Etihad’s 787 business class

…look better than this?

Etihad’s 787 economy class

This is more true in the coronavirus era than ever before, given that more space has become the ultimate luxury.

When applying for a credit card, consider three main points:

The bonus — how many points can you earn for signing up for the card and completing some amount of spending; this typically ranges from a single purchase to several thousand dollarsThe rewards structure — pick a credit card that offers bonus points in the categories you spend the most on, whether that’s dining or groceries or gas or airfareThe perks — some cards offer perks that more than justify the annual fee, even if you don’t spend money on the card; for example, there are hotel credit cards with sub-$100 annual fees that offer annual free night certificates that can be redeemed at hotels that cost $300+ per nightThere are so many credit cards worth having

In this post I’m focusing primarily on the welcome bonuses, which can be one of the best ways to get rewarded quickly. Often a good credit card bonus will be enough to earn you an international ticket in first or business class, which many would otherwise assume is off limits.

19 best credit card offers January 2022

Let’s look at some of the best credit card welcome bonuses that are available this month. Here are what I consider the 19 best to be:

1. Capital One Venture X Rewards Credit Card

Current offer: 100,000 Capital One miles after spending $10,000 within six months, plus a $200 vacation rental credit within the first year
Annual fee: $395

Why it’s a great offer: This is the hottest new credit card on the market. Not only is this one of the best cards for everyday spending, but the card offers so many amazing perks, including a $300 annual travel credit, 10K bonus anniversary miles, a Priority Pass membership, access to Capital One Lounges, Hertz President’s Circle status, valuable authorized user perks, and more. Furthermore, reports indicate a lot of people are having success getting approved for the card.

This is an incredibly well rounded card for the welcome bonus, the perks, and the return on everyday spending. I value the welcome bonus on this card at $1,900.

Learn more about the Capital One Venture X (apply for the Capital One Venture X).

Redeem Capital One miles for travel in Turkish business class

2. Ink Business Preferred® Credit Card

Current offer: 100,000 Ultimate Rewards points after spending $15,000 within three months
Annual fee: $95

Why it’s a great offer: The Ink cards have extremely generous category bonuses that help sole proprietorships and small businesses maximize points on everyday credit card spending. This card offers 3x points on the first $150,000 spent annually in combined purchases on travel, shipping, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

This is a card that’s good for both for the welcome bonus and for everyday spending. I value the welcome bonus on this card at $1,700.

Learn more about the Ink Business Preferred (apply for the Ink Business Preferred).

Redeem Ultimate Rewards points for a stay at the Park Hyatt Milan

3. United Club℠ Infinite Card

Current offer: 100,000 MileagePlus miles after spending $5,000 within three months; this is a limited time offer for applications through January 26, 2022
Annual fee: $525

Why it’s a great offer: The card is offering its best-ever welcome bonus, and offers rich perks for travel on United, including a United Club membership, a free first and second checked bag, Premier Access travel services (like priority check-in, security, and boarding), and much more. I value United MileagePlus miles at 1.4 cents each, so to me the welcome bonus on this card is worth $1,400.

Learn more about the United Club Infinite Card (apply for the United Club Infinite Card).

Redeem MileagePlus miles for travel in United Polaris

4. Citi Premier® Card

Current offer: 80,000 ThankYou points after spending $4,000 within three months
Annual fee: $95

Why it’s a great offer: This is an often-overlooked mid-range transferable points card that’s currently offering its best-ever welcome bonus. It has excellent bonus categories, as it offers 3x points on gas, dining, groceries, air travel, and hotels, and the card also offers up to a $100 annual hotel credit. I value Citi ThankYou points at 1.7 cents each, so to me the welcome bonus on this card is worth $1,360.

Learn more about the Citi Premier (apply for the Citi Premier).

Redeem ThankYou points for EVA Air business class

5. Aeroplan® Credit Card

Current offer: Two Welcome Flight Rewards (worth up to a total of 100,000 points) after spending $4,000 within three months
Annual fee: $95

Why it’s a great offer: This new card is phenomenal, with a huge welcome bonus, a great return on spending, and valuable perks that can get you perks when flying with Air Canada and Star Alliance partners. I value Aeroplan points at 1.4 cents each, so to me the welcome bonus on this card is worth up to $1,400.

Learn more about the Aeroplan Credit Card (apply for the Aeroplan Credit Card).

Redeem Aeroplan points for Air Canada business class

6. Aer Lingus Visa Signature® Card, British Airways Visa Signature® Card, & Iberia Visa Signature® Card

Current offer: 100,000 Avios after spending $5,000 within three months
Annual fee: $95

Why it’s a great offer: While these are three different cards, they all have the same excellent welcome bonuses, and points are transferrable between the various Avios programs. Each card has different perks tailored to the specific airline, and you can find a comparison of them here. I value Avios at 1.3 cents each, so to me the welcome bonus on this card is worth $1,300.

Learn more about the Aer Lingus Visa (apply for the Aer Lingus Visa), learn more about the British Airways Visa (apply for the British Airways Visa), learn more about the Iberia Visa (apply for the Iberia Visa).

Redeem Avios for travel in British Airways first class

7. Ink Business Cash® Credit Card & Ink Business Unlimited® Credit Card

Current offer: 75,000 points after spending $7,500 within three months
Annual fee: no annual fee

Why it’s a great offer: While these are two different cards, they have the same elevated sign-up bonuses and both don’t have an annual fee, so I’ll cover them in the same section here. The Ink Cash offers 5x points in useful categories (on the first $25,000 spent per cardmember year on office supply stores, internet, cable TV, mobile phones, and landlines), and the Ink Unlimited offers 1.5x points on all purchases.

For both cards, points can be pooled with the Ultimate Rewards points earned on cards like the Chase Sapphire Reserve® CardChase Sapphire Preferred® Card, and Ink Business Preferred® Credit Card. Assuming you have one of these cards in conjunction with one accruing premium Ultimate Rewards points, I value the welcome bonuses on these cards at $1,275 each.

Learn more about the Ink Business Cash (apply for the Ink Business Cash), learn more about the Ink Business Unlimited (apply for the Ink Business Unlimited).

Redeem Ultimate Rewards points for travel in Singapore Airlines Suites

8. The Platinum Card® from American Express

Current offer: 100,000 Membership Rewards points after spending $6,000 within the first six months; also earn 10x points on eligible purchases at restaurants worldwide and when you Shop Small in the United States, on up to $25,000 in combined purchases, during your first six months
Annual fee: $695 (Rates & Fees)

Why it’s a great offer: The Amex Platinum was recently refreshed, and while it has a higher annual fee, it also has lots of great new perks. Not only can you earn 100,000 points, but you can also earn 10x points in popular categories, which I value at an incredible 17% return on spending. The Amex Platinum is a perks-rich card, offering a $300 annual Equinox credit, $240 annual digital entertainment credit, $200 annual airline fee credit, $200 annual Uber credit, $200 annual hotel credit, $179 annual CLEAR credit, $100 annual Saks credit, lounge access, and so much more.

Learn more about the Amex Platinum (apply for the Amex Platinum).

Access Amex Centurion Lounges with the Amex Platinum

9. American Express® Business Gold Card

Current offer: 70,000 Membership Rewards points after spending $10,000 within three months
Annual fee: $295 (Rates & Fees)

Why it’s a great offer: In addition to a great welcome bonus, this is also one of the best Amex business cards for earning Membership Rewards points, given the 4x points categories. I value the welcome bonus at $1,190.

Learn more about the Amex Business Gold (apply for the Amex Business Gold).

Redeem Membership Rewards points for travel in ANA business class

10. World of Hyatt Business Credit Card

Current offer: 75,000 World of Hyatt points after spending $7,500 within three months
Annual fee: $199

Why it’s a great offer: This is Hyatt’s new business card, which was recently introduced. The card offers up to $100 in Hyatt statement credits every year, you receive Discoverist status for you and up to five employees, and spending on the card can help you earn World of Hyatt elite nights. I value World of Hyatt points at ~1.5 cents each, so the bonus points on this card are worth $1,125.

Learn more about the World of Hyatt Business Card (apply for the World of Hyatt Business Card).

Redeem World of Hyatt points at Alila Ventana Big Sur

11. United Quest℠ Card

Current offer: 80,000 MileagePlus miles after spending $5,000 within three months
Annual fee: $250

Why it’s a great offer: This is a fairly new card with a great value proposition. In addition to a nice welcome bonus, the card offers valuable perks like a $125 annual United credit, up to 10,000 MileagePlus miles back annually when you redeem miles, and all kinds of perks when flying United. I value United MileagePlus miles at 1.4 cents each, so to me the bonus miles on this card are worth $1,120.

Learn more about the United Quest (apply for the United Quest).

Redeem MileagePlus miles for travel in SWISS business class

12. United℠ Business Card

Current offer: 75,000 MileagePlus miles after spending $5,000 within three months
Annual fee: $0 intro annual fee for the first year, then $99

Why it’s a great offer: The card offers some great perks for holding onto, like two United Club passes annually, a free first checked bag, priority boarding, savings on inflight purchases, and more. I value United MileagePlus miles at 1.4 cents each, so to me the welcome bonus on this card is worth $1,050.

Learn more about the United Business Card (apply for the United Business Card).

Redeem MileagePlus miles for travel in Brussels Airlines business class

13. Alaska Airlines Visa® Business card

Current offer: 60,000 Mileage Plan miles plus a companion fare after spending $3,000 within 90 days
Annual fee: $50 for the company, $25 per card

Why it’s a great offer: The Alaska Business Visa Card offers an incredible welcome bonus and some phenomenal perks, like an annual companion fare, 50% savings on Alaska Lounge day passes, 20% savings on inflight purchases, a free first checked bag, and more. I value Alaska miles at 1.8 cents each, so to me the welcome bonus on this card is worth $1,080.

Learn more about the Alaska Airlines Business Card (apply for the Alaska Airlines Business Visa).

Redeem Alaska miles for travel in Japan Airlines business class

14. Chase Sapphire Preferred® Card

Current offer: 60,000 Ultimate Rewards points after spending $4,000 within three months
Annual fee: $95

Why it’s a great offer: This card recently underwent major changes, making it more lucrative than ever before. The card offers bonus points on dining and travel, great travel protection, and more. Ultimate Rewards points can be transferred at a 1:1 ratio to Singapore KrisFlyer, United MileagePlus, World of Hyatt, and many other programs. See this post to understand eligibility for the Chase Sapphire Preferred. I value Ultimate Rewards points at ~1.7 cents each, so to me the welcome bonus is worth $1,020.

Learn more about the Chase Sapphire Preferred (apply for the Chase Sapphire Preferred).

Redeem Ultimate Rewards points for the Park Hyatt Maldives

15. Capital One Venture Rewards Credit Card

Current offer: 60,000 Venture miles after spending $3,000 within three months
Annual fee: $95

Why it’s a great offer: The Capital One Venture Card is one of the most straightforward and rewarding travel credit cards out there, and it offers some great perks as well. Capital One miles even recently became more valuable. I value Capital One Venture miles at 1.7 cents each, so to me the welcome bonus on this card is worth $1,020.

Learn more about the Capital One Venture (apply for the Capital One Venture).

Redeem Venture miles for travel in Emirates first class

16. American Express® Gold Card

Current offer: 60,000 Membership Rewards points after spending $4,000 within six months
Annual fee: $250 (Rates & Fees)

Why it’s a great offer: The Amex Gold was recently refreshed and has a bonus of 60K points, which is among the best offers we’ve seen on the card. Not only does it offer 4x Membership Rewards points on dining and 4x points at U.S. supermarkets on up to $25,000 per calendar year in purchases (then 1x), but the card also offers up to a $120 annual dining credit, and Uber Cash & Uber Eats benefits. I value the welcome bonus at $1,020.

Learn more about the Amex Gold (apply for the Amex Gold).

The Amex Gold offers 4x points on dining

17. Southwest® Rapid Rewards® Performance Business Credit Card

Current offer: 80,000 Rapid Rewards points after spending $5,000 within three months
Annual fee: $199

Why it’s a great offer: The Southwest Performance Card has a huge welcome bonus with a fairly reasonable spending requirement. This card offers lots of fantastic long term perks, including anniversary bonus points, free Wi-Fi on Southwest, upgraded boardings, and more. I value Southwest Rapid Rewards points at 1.2 cents each, so to me the welcome bonus on this card is worth $960.

Learn more about the Southwest Performance Business (apply for the Southwest Performance Business).

Earn Southwest Companion Pass more easily with this card

18. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Current offer: 65,000 AAdvantage miles after spending $4,000 within four months
Annual fee: $0 intro annual fee for the first year, then $99

Why it’s a great offer: There’s a lot to like about this business credit card, including a first checked bag free, and the ability to earn Loyalty Points with credit card spending. I value American AAdvantage miles at 1.4 cents each, so to me, I value the welcome bonus at $910.

Learn more about the CitiBusiness AAdvantage Card (apply for the CitiBusiness AAdvantage Card).

Redeem AAdvantage miles for travel in Qatar Airways business class

19. Hilton Honors Card from American Express 

Current offer: Up to 130,000 Hilton Honors points — earn 80,000 points after spending $1,000 within three months, and earn an additional 50,000 points after spending a total of $5,000 within six months
Annual fee: no annual fee (Rates & Fees)

Why it’s a great offer: This no annual fee personal card is offering an especially good bonus right now. The card offers some solid perks for a no annual fee card, like Hilton Honors Silver status, which gets you a fifth night free on award redemptions. I value Hilton Honors points at 0.5 cents each, so to me, I value the welcome bonus at $650.

Learn more about the Hilton Honors Card (apply for the Hilton Honors Card).

Redeem Hilton Honors points at the Waldorf Astoria Amsterdam

Rules of applying for credit cards

Before applying for cards, makes sure you’re aware of the rules each bank has for credit card applications.

One of the common misconceptions people have is that they think applying for credit cards will hurt their credit. The opposite is largely true, actually. Assuming you use your credit responsibly (and make payments on time, don’t utilize too much of your credit, etc.), applying for credit cards can actually help your credit.

Lastly, if you are going to apply for credit cards, make sure you do so responsibly — only apply for them if you have self-control and won’t end up in debt, and try to pay your balance in full every month, or else the interest charges will negate any rewards earned.

Bottom line

The above are just some of the best credit card offers out there right now, though there are so many others to choose from.

If you’re already into miles & points but don’t have some of the above cards, consider applying. If you’re new to miles & points, now is the time to get started (and I think something like the Capital One Venture X, Chase Sapphire Preferred, Citi Premier, or American Express Gold, are great options to start).

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: American Express® Business Gold Card (Rates & Fees), American Express® Gold Card (Rates & Fees), Hilton Honors American Express Card (Rates & Fees), and The Platinum Card® from American Express (Rates & Fees).

Article: onemileatatime.com

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IHG Rewards Club Premier Credit Card Review (2022)

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Hotel credit cards are incredibly underrated. Even if you don’t spend much money on them, they can offer huge perks, including elite status and free night certificates. When you combine these two factors, a lot of these cards offer outsized value.

In this post, I wanted to take a closer look at a hotel credit card that I think just about everyone should have, for the anniversary free night certificate if nothing else. This is an especially good time to get the card, as the current welcome bonus is excellent.

IHG Rewards Club Premier Credit Card Basics For January 2022

The IHG® Rewards Club Premier Credit Card is the premium Chase and IHG co-branded credit card. Even if you don’t plan on putting much spending on the card, this card can be worth having for the anniversary free night certificate, fourth night free on award redemptions, and more.

For those of you not familiar with IHG (InterContinental Hotels Group), the group owns InterContinental, Six Senses, Regent, Holiday Inn, Crowne Plaza, Hotel Indigo, and more.

Let’s take a closer look at what you need to know about this card.

Welcome Bonus Of 125,000 Points & Free Night

At the moment the IHG Premier Card is offering an excellent two-part welcome bonus, which is earned after spending $3,000 within the first three months:

Receive 125,000 IHG Rewards pointsReceive a free night award valid at a property costing up to 40,000 points

Personally I value IHG points at 0.5 cents each, so the 125,000 points are worth ~$625 to me, while the free night certificate can be worth up to ~$200.

Card Eligibility

The welcome bonus on the IHG Premier Card isn’t available to those who currently have this specific card, or those who have received a new cardmember bonus on this card in the past 24 months. You’re eligible for the IHG Premier Card even if you have the no annual fee IHG® Rewards Club Traveler Credit Card (review).

Furthermore, you’re eligible for the IHG Premier Card even if you have IHG’s previous co-branded credit card. These cards are even great complements to one another.

While you can get multiple cards, note that Chase also typically lets you product change between personal cards, assuming you’ve had a card for at least 12 months. You’ll need to phone up the number on the back of your card to find out more.

Chase’s 5/24 Rule

Chase has what’s known as the 5/24 rule. This means that if you’ve opened five or more new card accounts in the past 24 months you typically won’t be approved for this card. So if you do apply for this card, make sure you’re under that limit. Chase’s other general application restrictions apply.

$89 Annual Fee

The IHG Premier Card has an $89 annual fee. You can add additional cardmembers to your account at no extra cost. As I’ll explain below, the annual fee is well worth it even if you don’t spend money on the card, since you get an anniversary free night certificate.

Earning Points With The IHG Premier Card

The IHG Premier Card offers some bonus categories, though in general this isn’t a card that I would put much spending on, given the relatively low value of IHG Rewards points.

10x Points At IHG Properties

If you have the IHG Premier Card then you can earn a total of 25x IHG Rewards points per dollar spent at IHG properties. However, in reality, not all of those points are coming from the credit card as such. Here’s how this breaks down:

You earn 10x points from IHG for being an IHG Rewards memberYou earn 5x points from IHG with Platinum status, which is a benefit of this cardYou earn 10x points for paying with your IHG Premier CardEarn 10x points for stays at IHG properties

2x Points At Gas Stations, Grocery Stores, And Restaurants

The IHG Premier Card offers 2x points for purchases made at gas stations, grocery stores, and restaurants. Given my fairly low valuation of IHG points, that translates to a return of about one cent per dollar spent.

Personally, I wouldn’t recommend spending money in these categories with this card, since there are much better options out there.

Earn 1x Points On Other Purchases

For categories in which you can’t earn 2-10x points, the card offers one IHG Rewards point per dollar spent. I would highly recommend against spending money on the card at that rate, since you can do better with other cards.

No Foreign Transaction Fees

The IHG Premier Credit Card has no foreign transaction fees, so it’s a good card for purchases abroad. That’s especially true when staying at IHG properties abroad, as well as for dining and commuting outside the United States.

IHG Premier Credit Card Benefits

What truly makes the IHG Premier Card exceptional is the benefits and perks that it offers, which in my opinion more than offset the annual fee on the card.

Anniversary Free Night

Every year on your account anniversary you get a free night certificate, valid at any property costing up to 40,000 points per night. This will be issued shortly after your anniversary and is valid for 12 months. This is in addition to the free night certificate currently being offered as part of the welcome bonus.

This covers a vast majority of IHG properties worldwide, and I’ve consistently gotten outsized value with this. For example, I’ve now three times in a row redeemed it at hotels that would have cost $250+ for one night if paying cash.

I’ve used a free night certificate at the Kimpton EPIC Miami

Fourth Night Free On Award Redemptions

Just for having the IHG Premier Card you get a fourth night free on award redemptions. When you stay four consecutive nights on an award redemption then you only have to redeem points for the first three nights.

This is an awesome perk, since it can be used an unlimited number of times (you can even use it to book multiple rooms at the same hotel). If you usually redeem points for stays in increments of four nights, this is like getting 25% off all your redemptions.

Get a fourth night free on an award at the InterContinental Maldives

IHG Rewards Platinum Status

You receive IHG Rewards Platinum status for as long as you have the card. While IHG isn’t the richest program in terms of elite benefits, this more than does the trick for those who only occasionally stay with IHG.

Among other things, IHG Rewards Platinum members receive:

Complimentary room upgrades, subject to availability50% bonus pointsLate check-out, subject to availabilityPriority check-inComplimentary internetWelcome amenityGet room upgrades as an IHG Rewards Platinum member

Global Entry Or TSA Pre-Check Credit

The IHG Premier Card offers a Global Entry or TSA Pre-Check credit once every four years. Just charge the membership fee of up to $100 to your card, and it will automatically be reimbursed. It doesn’t matter who the fee is being paid for, as long as you charge it to your eligible card.

Chase Offers

One of the great features of Chase cards is access to Chase Offers, which provides savings on purchases with all kinds of retailers. The program wasn’t launched that long ago, but has already saved me a significant amount of money.

Secondary Car Rental Coverage

The IHG Premier Card offers auto rental collision damage waiver coverage. 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 United States and abroad. Do note that domestically the coverage is secondary to your personal insurance, though.

Protection With Trip Delays, Lost Luggage, And More

The IHG Premier Card offers a variety of other protection when traveling. Among these features is:

Trip Cancellation & Trip Interruption Insurance — be reimbursed up to $5,000 per trip when your trip is canceled or cut short due to sickness, severe weather, etc.Lost Luggage Reimbursement — be reimbursed up to $3,000 per passenger if you or your immediate family member check or carry on luggage that is damaged or lost by an airlineBaggage Delay Insurance — be reimbursed up to $100 per day for three days for essential purchases when your bag is delayed by over six hours

Make sure you check your cardmember agreement for all of the details, since there are terms & conditions.

Is The IHG Premier Credit Card Worth It?

I think the IHG Premier Card is absolutely worth having. While this isn’t a card I would put much spending on, the card is worth the $89 annual fee for the incredible perks that it offers. The card offers an anniversary free night certificate, a fourth night free on award redemptions, IHG Rewards Platinum status, a Global Entry fee credit, and more.

Everyone in my family has an IHG Card, if for no other reason than that we consistently redeem the free night certificates at hotels that would cost $250+ when paying cash.

IHG isn’t my favorite hotel group, but there are 5,000+ locations, and I inevitably end up staying at IHG hotels several times per year, because the brand often has the best options.

Let’s discuss a few other aspects of the card, though…

Quick Comparison: IHG Premier Vs. IHG Traveler Card

Above I’ve written about the $89 annual fee IHG Premier Card, though there’s also the no annual fee IHG® Rewards Club Traveler Credit Card (review). The Premier Card is absolutely worth the annual fee. Why?

The Premier Card offers an anniversary free night, while the Traveler Card doesn’tThe Premier Card offers IHG Platinum status, while the Traveler Card offers IHG Gold statusThe Premier Card offers a Global Entry or TSA Pre-Check credit, while the Traveler Card doesn’tThe Premier Card offers a huge welcome bonus

Like I said, the single best benefit of the Premier Card is the anniversary free night certificate, and that’s worth way more than its annual year.

Other Options For Earning IHG Points

The IHG Premier Card doesn’t actually offer great points earning rates when you factor in the fairly low per point value of IHG Rewards.

Do keep in mind that IHG is transfer partners with Chase Ultimate Rewards, so you could transfer points at a 1:1 ratio. For example:

The Chase Sapphire Reserve® Card (review) offers 3x points on dining and travelThe Chase Sapphire Preferred® Card (review) offers 3x points on dining, online groceries, and streaming services, and 2x points on travelThe Ink Business Preferred® Credit Card (review) offers 3x points on the first $150,000 spent annually on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search enginesThe Chase Freedom Unlimited® (review), in conjunction with one of the above cards, earns 3x points on dining and drugstores, and 1.5x points on all purchasesThe Chase Freedom FlexSM (review), in conjunction with one of the above cards, earns 3x points on dining and drugstores, and 5x points in rotating quarterly categories

That being said, in general I absolutely wouldn’t recommend transferring Chase points to IHG. As I said, I value IHG points at ~0.5 cents each, while you can instead transfer points at the same ratio to programs like World of Hyatt, where I value the points at ~1.5 cents each (three times as much).

Sometimes it can make sense to buy IHG points when the program has a sale. IHG Rewards sometimes sells points with a 100% bonus, which brings down the cost per purchased points to 0.5 cents each. When you stack that with the fourth night free offered by this card and the Platinum perks you’ll receive, that could be well worth it.

Have The IHG Select Card?

Back in the day, there was the IHG Select Card, which is no longer open to new applicants. If you have that card, then you should absolutely hold onto it and then also apply for this card, as you’re eligible for both. Why? Because you can stack the benefits on both cards:

Both cards offer an anniversary free night certificate, so you could earn two of those each year, and use them for back-to-back staysThe old card offers a 10% refund on redeemed points (up to 100,000 refunded points per year), while the new card offers a fourth night free on award redemptions, and you could stack those benefits; in other words, if you make a four night stay at a hotel costing 70,000 points per night you’d end up paying 210,000 points, and then would get 21,000 points back, for a total cost of 189,000 points, which is over 30% off

Bottom Line

The IHG Premier Card is a card that I highly recommend getting. Not because it makes sense to put a lot of spending on the card long term, but because the anniversary free night certificate can be worth way more than the $89 annual fee.

Add in the IHG Platinum status, fourth night free on award redemptions, Global Entry/TSA Pre-Check credit, and more, and this card is a no-brainer. The card even has a top notch bonus right now, getting cardmembers even more value.

I know some people are opposed to having a lot of credit cards, but often it can make sense to have some cards just for the perks they offer, even if they’re not worth spending much money on. This is one of those cards.

If you want to learn more about the IHG Premier Credit Card or apply, follow this link.

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Commentary: “Hockey Day” Was a Rousing Success

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FITCHBURG — Money aside, it’s safe to say Saturday’s “Hockey Day in the Burg” was a success.

That’s not to say the thousands of people who entered the Wallace Civic Center didn’t raise a boatload of money for the Thibeault Family Rehabilitation Trust. They certainly did.

But the smile that was pasted on Jake Thibeault’s face — clearly visible at all times, even with a mask on — was proof that the event was successful. That happiness, the escape it brought even temporarily, was worth more than any amount of money.

Thibeault was greeted by friends, teammates and coaches. In a way, it was akin to a family reunion for the teen.

He was welcomed back to his hometown rink as rock star, posing for photos, chatting with each and every person who came up to say hello. Turn and look at any 10 people and at least one would be wearing one of the “TBOTOUGH” T-shirts that were being sold.

What a boost that must be for Thibeault, who arrived back to his home in Fitchburg Friday for the first time since a hit during a September hockey game left him without sensation from the waist down. Until then, it had been all hospital time in Boston, working hard in rehab to hopefully someday walk again.

If any of that was on Thibeault’s mind throughout Saturday’s three hockey games, you wouldn’t know it. He was back with teammates, embraced by coaches. When I mused that it would be a long day for him, Thibeault smiled and said “yeah, but it’ll be a great day.”

If you haven’t had a chance to talk to Jake Thibeault, here’s a primer on what you pick up on immediately. He’s polite. Thoughtful. Wise beyond his years. Engaging. Determined.

His positivity is contagious. Inspiring. The road ahead of Jake Thibeault is a long one that will be filled with challenges, but it’s one he’s meeting with the mindset of a hockey player: he’s going to grind it out every day and he’s going to win.

“Every day is a new day with ups and downs, but I try to minimize the bad days and just have bad moments,” he told me. His focus is on the good.

Want a glimpse at what kind of young man Jake Thibeault is?

He’s not worried about living a fulfilling life; he knows he’s going to no matter what obstacles are ahead. And his biggest concern? Letting people know how grateful he is for the support he’s received.

“I have so many people that I have to repay and I don’t know how I will,” he said.

Humble. Determined. Full of respect and love for those who have shown the exact same thing to him.

It’s been an incredibly tough few months for the Thibeault family, but Mike and Tracy — Jake’s parents — know they’ve raised a remarkable young man. He didn’t become that way because of a tragic accident on the ice; he’s been that way for a long time.

Whether or not he walks again doesn’t change that one bit. Jake Thibeault off the ice is what he’s always been on the ice to teammates and coaches; a dedicated and determined leader who works hard and is the kind of kid you root for.

And using Saturday’s showing at the Wallace Civic Center as a clear indication, he still has a lot of people rooting for him.

Source Here: sentinelandenterprise.com

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Large Scale Renovation Plans for Richford Arms Soon to Be Unveiled

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A large scale plan to renovate one apartment building in Downtown Erie is close to being unveiled.

The owner of Richford Arms, the apartment building located on State Street, has reportedly planned what they’re calling a “kick off event” for January 24th.

Beacon Communities has already begun the work on the north side of the apartment building.


Plans to renovate Richford Arms set to be unveiled in “Kickoff Event” next week

The project has been priced at 27 million dollars and will include major updates inside and outside of the 100 unit building.

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According to Beacon, the changes will include a two story addition and six new fully-accessible units.

Source Here: yourerie.com

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