The Points Guy: This Is The Best No-Fee Credit Card
Best Credit Cards Points Guy
The Points Guy (TPG) is an online resource that helps consumers make smart decisions when it comes to earning and redeeming points and miles. The Points Guy website offers a variety of advice and resources to help consumers maximize their credit card rewards. Founded in 2010, TPG has become one of the top go-to resources for those looking to maximize their credit card rewards.
TPG provides consumers with up-to-date information about the best credit cards for earning rewards and cash back. It also features exclusive offers and deals from credit card issuers, as well as reviews of the cards and their features. The Points Guy also provides advice on how to redeem rewards and miles, and offers tips on how to maximize value from rewards programs.
The Points Guy evaluates credit cards based on a variety of factors, including rewards earning potential, sign-up bonuses, annual fees, redemption options, and customer service. It also provides advice on how to use points and miles, as well as how to maximize their value.
TPG also offers a variety of resources, such as an online calculator to help consumers compare different credit cards and their rewards programs. It also provides tools to help consumers track their rewards and points balances.
TPG’s credit card rankings are updated regularly, and it also provides detailed reviews of the cards. It also offers advice on how to take advantage of promotional offers and how to maximize value from different types of rewards programs.
The Points Guy also provides advice on how to use credit cards responsibly, such as paying off balances in full, avoiding late fees, and avoiding high interest rates. It also provides information about different types of credit cards, such as cash back and travel rewards.
Overall, The Points Guy is an invaluable resource for those who are looking to maximize their rewards and get the most out of their credit cards. It offers detailed reviews, advice, and exclusive offers and deals from credit card issuers. It also provides tools to help consumers track their rewards and points balances.
Key Points
• The Points Guy is an online resource that helps consumers make smart decisions when it comes to earning and redeeming points and miles.
• It provides up-to-date information about the best credit cards for earning rewards and cash back.
• It evaluates credit cards based on a variety of factors, including rewards earning potential, sign-up bonuses, annual fees, redemption options, and customer service.
• It offers a variety of resources, such as an online calculator to help consumers compare different credit cards and their rewards programs.
• It provides advice on how to use points and miles, as well as how to maximize their value.
• It provides advice on how to use credit cards responsibly, such as paying off balances in full, avoiding late fees, and avoiding high interest rates.
People Also Ask Questions and Answers
Q: What is The Points Guy?
A: The Points Guy (TPG) is an online resource that helps consumers make smart decisions when it comes to earning and redeeming points and miles.
Q: What does The Points Guy offer?
A: The Points Guy offers a variety of advice and resources to help consumers maximize their credit card rewards. It also features exclusive offers and deals from credit card issuers, as well as reviews of the cards and their features.
Q: How does The Points Guy evaluate credit cards?
A: The Points Guy evaluates credit cards based on a variety of factors, including rewards earning potential, sign-up bonuses, annual fees, redemption options, and customer service. It also provides advice on how to use points and miles, as well as how to maximize their value.
Best Credit Cards Points Guy – Whats The Best?
Brian Kelly, founder and CEO of The Points Guy, recommends the Chase Freedom Unlimited if you’re looking for a credit card with no annual fee. With this card, he says, you can maximize rewards and minimize costs.
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Kelly, who has 25 credit cards himself, typically steers clear of no-fee cards. They “generally offer less perks,” he tells CNBC Make It. Compared to cards with a fee, they “may not be the most lucrative in the long-term.”
But “if you’re dead set on a no annual fee card, I would recommend the Chase Freedom Unlimited,” he says.
The Freedom Unlimited offers 1.5% cash back on all purchases, which is “a decent earn,” says Kelly. It also offers 120-day purchase protection and extended warranty protection.
What Kelly particularly likes about the card, though, is that you can also earn your rewards on this card in the form of points. That will come in handy if you ever upgrade to a premium Chase rewards card that has an annual fee, like the Chase Sapphire Preferred or Chase Sapphire Reserve, because you’ll be able to pair them.
“Here’s the deal,” explains Kelly: “If you get a card like a Chase Freedom Unlimited, those points are technically cash back, but, if down the line you get a Sapphire card, you’ll be able to transfer those cash-back points into your Sapphire points … and you can get a ton of value.”
If you end up combining your points across your Chase cards, you’ll have great redemption options, says Kelly: First, you can use them to book travel through the Chase travel portal. With the Chase Sapphire Reserve, every point you redeem on travel is worth 1.5 cents. That means its 50,000-point sign-up bonus can have a value of $750.
With the Sapphire Preferred, points redeemed on travel are worth 1.25 cents.
“In either case, you’re already getting more value per point than the 1 cent each you’d get by redeeming them for cash back,” TPG explains. Chase also offers 13 transfer partners, so you can trade your points in for United MileagePlus miles, for example, and find a seat in business class.
In general, if you’re new to points and miles, Kelly says, “starting off with a no-annual-fee card from one of the big banks, like Chase, is a good way to at least get your foot in the door.”
You can build up valuable travel points with the no-annual-fee card, and then, he says, if you switch cards, you’re going to be able to “upgrade those points to get as much value out of them as possible down the line.”
Whatever credit card you settle on, make sure you pay off your balance in full every month. Otherwise, the interest you end up owing by carrying a balance could negate the value of any points, benefits or cash back you earn.
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The best no-fee credit card, according to The Points Guy | CNBC Make It.
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