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The best credit card offers for November 2018 - 150k points included.

Insider Picksteam is writing about things we think you'll like. It' simple to use your credit card to collect award points and mileage for your daily expenses. Particularly in 2018, as credit card companies become more and more competitive by introducing lucrative items, you only need to use one card for your regular expenses - and fully cover them every single monthly - and you can earn tonnes of points in reward points in category such as groceries, restaurants and touring.

The quickest and simplest way to quickly accumulate many points - whether you're on a big journey but don't have enough points or just want to stock up - is to open a new credit card that provides a generous welcome Bonus. Card companies provide massive incentives to draw consumers, and while each card can have different entitlement levels, in most cases you can get the reward as long as you've never had it before - or in some cases as long as you haven't had it in recent years.

Find out more about how to earn new card member bonus money and how it will impact your credit rating here, or scrounge down to find some of the best deals this months. Remember, we focus on the reward and benefits that make these tickets great choices, not on things like interest rate and overdue charges that can far exceed the value of all of them.

If you are working to make credit card cash, it is important to exercise fiscal control, such as fully settling your balance every single monthly, making timely payment and not exceeding what you can afford and repay. You should always use your credit card as a direct debit card. 25,000 Member Reward Points if you spent $2,000 in the first three Months.

In the past few months, American Express has massively re-launched its Premier Awards Card, named it American Express Card, released a new metallic look and pink gilded limit and completely revamped the card's awards and advantages. As this was not enough, AmEx also introduces a rather special new welcome bonuses.

This new Gold Card will earn 4x points in US restaurant and up to $25,000 per year in US super markets (and 1x thereafter), 3x points on direct flight bookings with the carrier and 1x point on everything else. Relying on the fact that you can earn member reward points readily for each more than 1 of value, this is the highest paying card for anything to do with foods.

Gold Card retains the $100 airfare credit from the old card each year, and totals $120 in meal loans - divided into $10 per monthly - at Grubhub, Seamless, The Cheesecake Factory, Ruth's Steak House or Shake Shack venues. When you use these credit points in full, it's a $220 per year guarantee.

For new card members - those who have never received Premier Rewards Gold before - a welcome bonus of 25,000 points can be awarded if they spent $2,000 in the first three month. In addition, those who submit their application before January 9 may receive 20% off all U.S. dining fees - up to a maximum of $100 - in the shape of a credit.

Although it is hard to attribute a unique value to Member Rewards points, The Points Guy believes that each point is a subjective 1.9¢ due to the many ways in which they can be redeemed. This makes the welcome bonuses of $575 - $475 for the points and up to $100 back from restaurant.

This is more than enough to cover the card's $250 per year membership charge, even without taking the yearly credit advantages into account. For more information about Insider Picks' partner's AmEx Gold Card, click here: American Express Platinum has one of the highest yearly charges of any credit or debit card - $550 - but as AmEx's flag ship credit card, this credit card provides enormous value to compensate for this amount.

In my first year with the card, for example, I received a value of more than 2,000 dollars. Membership Rewards Points, the AmEx Fidelity Programme denomination that can be redeemed for credit or cashback to purchase trips through the AmEx website or to wire to one of the 17 airlines and three hospitality transfers to earn the highest value (transferable points are among the best).

The Points Guy website offers a rating of 1.9 per membership reward point; on this basis, the welcome offering is valued at approximately $1,140. Since $5,000 is one of the toughest expenditure demands of any credit card, this is an excellent opportunity to open it - with vacation expenditures and upcoming trips, you can use these scheduled expenditures to achieve a higher level of necessary expenditure than you normally could.

Platinum Card will earn an amazing 5x points for flights bought directly from the carrier and offer a credit of $200 for flight fees and up to $200 for over credit per card member year each year. Additional advantages included automated golden élite at Starwood, Marriott and Hilton Hotel, bank account credit for Global Entry/TSA PreCheck registration, convenience services and more.

Here you can find our full map reviews. For more information about Insider Picks' partner's American Express Platinum, click here: This card will earn 4% money back on all food and entertainments, 2% back in groceries and 1% on everything else. Plus, if you spent $3,000 in the first three month, the card would give you a $500 sign-up boost.

Savor bears a lower annuity than AmEx Gold - $95, which was foregone in the first year. In many cases, the earnings rates will offset the charge on the basis of your regular expenses, but if this is too high for you, there is an alternative: the Capital One SavorOne Cash Returns Credit Card.

SavorOne has no annuity and provides a slightly lower - but still precious - earnings ratio of 3% money back on food and drink, 2% back in groceries and 1% on everything else. There is a lower sign-up $150 discount if you spent $500 in the first three month.

For more information on the Capital One Savor card from Insider Picks' partners, click here: For more information on the Capital One SavorOne card from Insider Picks' partners, click here: The Hilton recently unveiled new, highest ever bonus on its four co-branded credit card, offering a great way to earn points for free overnight stays in hotels.

One of the great benefits of the Hilton Honors Reward Programme is that if you are staying free with points, it is actually free - unlike many other resorts, you don't even have to foot a resorts charge. From the 125,000-point welcome bonuses to the fact that the Ascend card provides a free week-end getaway if you spent $15,000 on it within a year, you've got the conditions for a great long trip to the motel without having to make a payment.

Ascent has an $95 per year charge, but provides some sound advantages to compensate for that. This card provides a free golden state just to hold it. Spending $40,000 on the card within a single year will result in you becoming a Diamond. Besides the same advantages you would get from earning money - free breakfasts, room upgrade, a point earning bonuses, delayed cash register and a free fifth rewards evening - Diamond gives you a higher room upgrade rate, entry to the VIP lounges and more.

It also includes 10 free daily tickets for the Priority Pass Terminal Lounge. As an Ascend, you earn 12x points on Hilton buys, 6x points on restaurant, petrol station and grocery store shelves - all within the USA - and 3x points on everything else. For more information on the Hilton Honors Ascend card from Insider Picks' affiliate The Points Guy, click here.

With the Sapphire Preferred being one of the most loved all-round reward tickets, it's simple to understand why. The card will earn 2x points per dollars that will be spend on almost all your holiday and food shopping, and 1x point for everything else. There is also a Tonne of Travelling and Buying Protection, such as Rent a Vehicle Cover, Delayed Travelling Cover and Enhanced Guarantee.

Enrollment bonuses - 50,000 UR points - are at least $500 in cashback or gifts. But if you use the Chase Ultimate Rewards website to purchase trips and use points to purchase them, you will receive a 25% discount, giving you points valued at 1.25¢ each. Which means the sign-up bonuses would be $625 valuable.

More lucratively, with Chase Sapphire Preferred you can earn UR points on several different airline programmes and bonus hotels. All this comes for a pretty normal $95 per annum charge, which is adopted in the first year. Please click here to find out more about the Insider Picks partner:

Sapphire reserve is essentially a more powerful variation of the Preferred. With the same sign-up bonuses, the card accumulates points for daily expenses more quickly by earning higher 3x points per dollars for trips and food shopping and 1 x for everything else. There are also similar, though in many cases improved, measures for protection of travellers and purchasing.

In contrast to Preferred, Sapphire Reserve has a Priority Pass Select subscription that gives you and your travelling companion free entry to more than 1,000 international airports around the globe. Points from the reserve can be used in the same way as with the Preferred one, except that when you book a trip through Chase you will receive a 50% discount so your points are always 1.5¢ worth.

This card bears a higher annuity than the preferred one: However it also comes with a $300 trip credit per card member year. Every year, you'll receive bank statements for the first $300 in travel-related spending you make, which includes things like metro fares, taxes, park and toll fees, as well as airline and hotel charges.

If you deduct this balance from the annuity, the card is actually only $150 per year. When you are not sure whether the preferred or the reserve is the better card for you, take a look at this itemization. Remember also that you can usually only get the registration discount for a card of the brand Saphire every two years.

For more information on Insider Picks' partner's Sapphire Reserve, click here: Hilton Honors American Express Aspire Card has a substantial $450 per year membership charge, but it offers so many discounts, advantages and advantages that it's more than rewarding to pay for Hilton loyalty lists - or even brand-aggressive hoteliers.

Additionally to a credit of $250 airfare per year and a credit of $250 Hilton Resort Statements for each card member year, the Aspire also provides a credit of $100 Hilton On-Property each and every night you spend on a Hilton real estate - all you have to do is make a reservation through a dedicated cardholder website.

This card also includes a free week-end bonus every year - no matter how much you pay - and a second bonus if you pay $60,000 for the card in a year. Aspire deserves an enormous 14x points per dollars issued at Hilton, 7x points on airlines, rental cars and US restaurant tickets and 3x points on everything else.

For more information on the Hilton Honors Aspire Card from Insider Picks' affiliate The Points Guy, click here. Early this year, Barclays completed one of its most favorite credit card requests before launching the card with a new, highest sign-up reward yet. Barclays then, this autumn, began to waive the $89 per annum card charge for the first year, a premiere for the card.

Barclaycard Arrival Plus collects twice the amount of mileage on every Dollar you spend. You can redeem your mileage for one penny each for your trip shopping (as a bank account credit to neglect the costs of that purchase) or for half a penny each for a refund or card gifts. This means that the sign-up incentive is $600 valuable for trips, plus another $100 from the mileage you receive to meet your expense requirements.

This card is fitted with a smart card and PIN system which, together with the fact that it has no international transfer charges, makes it a good international travel choice. Dependent on your spend patterns, it is simple to get more value from the card than you are paying for the annuity, thanks to the double income rates on all your shopping.

Naturally, the registration discount alone covers the annuity for more than seven years. When you already have the Sapphire Reserve and save your points for something, the Freedom Unlimited can give your equilibrium a good push. Chase will market the card as a "cashback" and it will actually earn Ultimate Rewards points that you can convert for real money (1 point = 1¢).

When you have a sapphire reserve card, you can collect points from both of them. Freedom Unlimited deserves 1. With 5 points per dollars issued, coupled with a Sapphire Reserve, it is a great card to use for shopping that is not made for travelling or food.

And best of all, the card has no annuity and often has 0% APR for the first 15 month of shopping and transferring money. Chase Freedom Unlimited is a great all-round card. But to get the most value when it comes to spending your points, you also need the sapphire reserve or your favorite card to collect your points.

For more information about the Chase Freedom United partner of Insider Picks, click here: Wells Fargo's new card has one of the most appealing reward programmes you can get from a card with no annuity. Wells Fargo already discontinued the acceptance of old card requests in February, before it announced the new card release and this months reopened the card requests.

Card receives 3x points on all trips, meals and selected streamings ( and 1x point on everything else ). Well, if that may sound well known, it's because it's almost the same as the beloved Chase Sapphire Reserve. With Propel you can earn points for 1 each for cashback, goods, travels or more, while Sapphire Reserve provides a number of more rewarding cashback opportunities - it's simple to earn at least 50% more value for Chase points.

Sapphire Reserve also provides a number of additional benefits that Propel does not provide, such as free entry to the International Airports Lounges, a $300 per year credit trip late policy and more. The Sapphire Reserve is of course also offered with an annuity of $450, while the Wells Fargo Propel has no annuity. The Propel is a good choice between the new member offering and the sound earnings rates in the beloved spending classes for those who do not often need to go or do not feel at ease charging a high annuity.

For more information on the Wells Fargo Propel card from Insider Picks' partners, click here: When you want to see more of Insider Picks, we collect e-mails for an up coming emailletter. Often we get free product from manufacturer for testing.

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