AMEX Introduces Welcome Bonus Eligibility Tool

American Express has introduced functionality that lets you know whether you are eligible for a welcome bonus for a specific card as a part of the card application process. This function will alert you to your ineligibility before American Express…

Free Nights vs Free Points: What is Best?

Co-branded hotel credit cards offer rewards points or free night certificates, while bank rewards cards offer flexible or transferrable rewards points. The question we aim to answer is, which is better? Targeting free points? Or free night certificates?