Looking for free diapers and low-cost baby products?
Diapers are expensive and a pain in the budget. Babies need roughly 8000 diapers before they’re potty trained, costing parents $2000 or more.
So we’ve put together some simple and legitimate options to help you save money. When you combine these methods together, you can literally save hundreds of dollars.
Try these easy tactics to get free diapers. It only takes a few minutes to fill out a form or sign up for a program, and the savings you’ll enjoy is truly worth it.
Table of Contents
Let’s start with the low-hanging fruit – free stuff from Target.
Target Baby Registry – Set up a baby registry at Target and you’ll get free diapers and wipes from The Honest Company and plenty more.
You’ll also receive a cool gift bag stuffed with free samples and a $50 coupon book with savings at major outlets like Starbucks and Liz Lange.
Here’s just some of what you get:
- Munchkin Latch 4 oz. baby bottle
- Baby Aquaphor diaper rash cream
- MAM newborn pacifier
- Johnson & Johnson Head-to-Toe lotion
- A 10-piece sample pack of baby wipes from The Honest Company.
- Pampers samples of diapers and wipes.
- Lanisinoh disposable nursing pads and breastmilk storage bags
- Johnsons’s “Baby’s Firsts” guide to first-year milestones
- Babyganics Moisturizing Daily Lotion sample tube
- Mustela Hydra Bebe body lotion sample
- Zarbee’s Naturals baby immune support vitamins
- 10% off any nursing bra and/or camisole.
Two: Sign Up for Amazon Family
Amazon Family (formerly Amazon Mom) comes with a free 30-day trial, or you can access it for free if you’re already a Prime member. Just create a child profile to begin and save up to 20% on diaper and baby food subscriptions. You’ll also get additional discounts on other family products.
Amazon Family is part of Prime so all shipping is free.
Refer your friends and get an additional $10 in Amazon credit to use for free diapers.
Three: Get Free Amazon Cards for Diapers
Wouldn’t it be great to get free Amazon cards and then use them for diapers and other baby products?
Good news – Swagbucks and InboxDollars give you that opportunity. Here’s how it works.
Swagbucks gives you rewards points for various online actions, such as using their search engine, taking surveys, watching videos and playing games. Then just redeem your rewards for Amazon gift cards (or cards from other stores) or as cash through PayPal.
Signing up is free and you’ll even get a $5 sign up bonus.
TIP: Download the app and perform many of the tasks on the go. You can easily earn $25 each month in Amazon cards with minimal effort.
InboxDollars is another loyalty company offering rewards for shopping online, taking surveys and watching videos. Redeem your points for an Amazon card to use on anything you want.
Four: Get Free Diapers by Signing Up with Diaper Companies
Diaper companies know that most parents find one diaper brand they like and use them exclusively as long as their child needs diapers.
Naturally, these companies want you to be loyal to their brand, and not to their competitors. So they’ll happily give you free diaper samples to earn your loyalty.
Huggies Rewards program offers free diapers and wipes when you redeem Huggies points. You can get 500 free points just for signing up here.
When you make a purchase of Huggies diapers or baby products, upload your receipt to their site to get more points added to your account.
Huggies recently lowered the number of points needed to acquire coupons for free diapers and baby products so saving money is easier than ever.
In addition to Huggies, check out the rewards programs at the other major brands:
More Free Samples
Honest Company – Jessica Alba’s environmentally safe company will send you 7 premium diapers and 10 baby wipes. The diapers contain no chemical bleaches.
Dollar Diaper Club – Get a free trial and they’ll send you 6 organic diapers and 10 wipes.
Everyday Happy – Receive a free trial box of premium diapers and a package of bamboo wipes.
Simply Right – Sign up on their website and this Sam’s Club brand will send you free diapers and wipes.
Five: Smart Couponing for Free Diapers
Check your local paper and online for diaper coupons and look for diaper sales at your local stores. By timing your coupons with diaper sales, you can really save on diapers, or even get them for free.
Here are a few places online where you can clip baby diaper coupons.
Six: Use Referral Programs for Diaper Money
A couple of companies offer lucrative referral programs that could add up to a lot of free diapers and wipes.
Diapers.com gives you $5 in diaper credit for each person you refer to their site. Sign up for their referral program here.
If you have an active Facebook or Instagram account, ePantry has a referral program. Post to your accounts and earn $8 for every mom you sign up.
Occasionally ePantry runs promotions offering up to $20 per referral.
Seven: Charities and Government Programs Helping with Diapers and More.
The National Diaper Bank Network helps low-income families with free diapers. The non-profit network has chapters nationwide so those in need can pick up diapers locally.
This is a great complement to food stamps and WIC, which do not provide diapers.
NeedHelpPayingBills.com aims to assist the needy with a variety of needs. Here is their free baby diapers resource list of organizations everywhere that are ready to help.
Eight: – Save by using cloth diapers
Washable cloth diapers are an environmentally friendly option for your child.
They can also help you save money, especially if you have, or plan on having, more than one child in diapers.
Nine: Call Pediatrician or Hospital for Freebies
Hospitals often give you stuff you need for your newborn, such as a free diaper bag or car seat. Check with your hospital before your due date to see what is available to you.
Your OB/Gyn doctor and pediatrician are also great resources to consider for free baby diapers, bottles, and formula samples. They can steer you in the right direction and they usually have baby samples right there in their office.
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Whether you’re cozying up on the couch together with a bottle of wine or headed out to the trendy restaurant everyone’s talking about, date night is an essential part of most relationships.
“Date nights are important because they give new couples a chance to get to know each other and established couples a chance to have fun or blow off some steam after a rough week,” says Holly Shaftel, a relationship expert and certified dating coach. “Penciling in a regular date can ensure that you make time for each other when your jobs and other aspects of your life might keep you busy.”
There’s just one small snag. Or, maybe it’s a big one. Date nights can get expensive. According to financial news website 24/7 Wall St., the cost of an average date consisting of two dinners, a bottle of wine and two movie tickets is about $102.
When you’re focused on improving your finances as a couple, finding ways to spend less on date night is a no-brainer. But you may be wondering: How can we save money on date night and still get that much-needed break from the daily grind?
There are plenty of ways to save money on date night by bringing just a little creativity into the mix. Here are eight suggestions to try:
1. Share common interests on the cheap
When Shaftel and her boyfriend were in the early stages of their relationship, they learned they were both active in sports. They were able to plan their date nights around low-cost (and sometimes free) sports activities, like hitting the driving range or playing tennis at their local park.
If you’re trying to find ways to spend less on date night, you can plan your own free or low-cost date nights around your and your partner’s shared interests. If you’re both avid readers, for example, even a simple afternoon browsing your local library’s shelves or a cool independent bookstore can make for a memorable time. If you’re both adventurous, check into your local sporting goods stores for organized hikes, stargazing outings or mountaineering workshops. They often post a schedule of events that are free, low-cost or discounted for members.
2. Create a low-budget date night bucket list
Dustyn Ferguson, a personal finance blogger at Dime Will Tell, suggests using the “bucket list” approach to find the best ways to save money on date night. To gather ideas, make it a game. At your next group gathering, ask guests to write down a fun, low-budget date night idea. The host then gets to read and keep all of the suggestions. When Ferguson and his girlfriend did this at a friend’s party, they submitted camping on the beach, which didn’t cost a dime.
The cost of an average date consisting of two dinners, a bottle of wine and two movie tickets is about $102.
To make your own date night bucket list with the best ways to save money on date night, sit down with your partner and come up with free or cheap activities that you normally wouldn’t think to do. Spur ideas by making it a challenge—for instance, who can come up with the most ideas of dates you can do from the couch? According to the blog Marriage Laboratory, these “couch dates” are no-cost, low-energy things you can do together after a busy week (besides watching TV). A few good ones to get your list started: utilize fun apps (apps for lip sync battles are a real thing), grab a pencil or watercolors for an artistic endeavor or work on a puzzle. If you’re looking for even more ways to spend less on date night, take the question to social media and see what turns up.
3. Alternate paid date nights with free ones
If you’re looking for ways to spend less on date night, don’t focus on cutting costs on every single date. Instead, make half of your dates spending-free. “Go out for a nice dinner one week, and the next, go for a drive and bring a picnic,” says Bethany Palmer, a financial advisor who authors the finance blog The Money Couple, along with her husband Scott.
4. Have a date—and get stuff done
Getting stuff done around the house or yard may not sound all that romantic, but it can be one of the best ways to save money on date night when you’re trying to be budget-conscious. And, tackling your to-do list—like cleaning out the garage or raking leaves—can be much more enjoyable when you and your partner take it on together.
5. Search for off-the-wall spots
If dinner and a movie is your status quo, mix it up with some new ideas for low-cost ways to save money on date night. That might include fun things to do without spending money, like heading to your local farmer’s market, checking out free festivals or concerts in your area, geocaching—outdoor treasure hunting—around your hometown, heading to a free wine tasting or taking a free DIY class at your neighborhood arts and crafts store.
“Staying creative allows you to remain flexible and not bound to simply doing the same thing over and over,” Ferguson says.
6. Leverage coupons and deals
When researching the best ways to save money on date night, don’t overlook coupon and discount sites, where you can get deals on everything from food, retail and travel. These can be a great resource for finding deep discounts on activities you may not try otherwise. That’s how Palmer and her husband ended up on a date night where they played a game that combined lacrosse and bumper cars.
There are also a ton of apps on the market that can help you find ways to save money on date night. For instance, you can find apps that offer discounts at restaurants, apps that let you purchase movie theater gift cards at a reduced price and apps that help you earn cash rewards when shopping for wine or groceries if you’re planning a date night at home.
7. Join restaurant loyalty programs
If you’re a frugal foodie and have a favorite bar or restaurant where you like to spend date nights, sign up for its rewards program and newsletter as a way to spend less on date night. You could earn points toward free drinks and food through the rewards program and get access to coupons or other discounts through your inbox. Have new restaurants on your bucket list? Sign up for their rewards programs and newsletters, too. If you’re able to score a deal, it might be time to move that date up. Pronto.
8. Make a date night out of budgeting for date night
When the well runs dry, one of the best ways to save money on date night may not be the most exciting—but it is the easiest: Devote one of your dates to a budgeting session and brainstorm ideas. Make sure to set an overall budget for what you want to spend on your dates, either weekly or monthly. Having a number and concrete plan will help you stick to your date night budget.
“Staying creative allows you to remain flexible and not bound to simply doing the same thing over and over.”
Ferguson says he and his girlfriend use two different numbers to create their date night budget: how much disposable income they have left after paying their monthly expenses and the number of date nights they want to have each month.
“You can decide how much money you can spend per date by dividing the total amount you can allocate to dates by the amount of dates you plan to go on,” Ferguson says. You may also decide you want to allot more to special occasions and less to regular get-togethers.
Put your date night savings toward shared goals
Once you’ve put these creative ways to save money on date night into practice, think about what you want to do with the cash you’re saving. Consider putting the money in a special savings account for a joint purpose you both agree on, such as planning a dream vacation, paying down debt or buying a home. Working as a team toward a common objective can get you excited about the future and make these budget-friendly date nights feel even more rewarding.
Credit card issuersÂ have consumers right where they want them, lending money at high-interest ratesÂ and earning money from many different fees. Even reward cards benefit the issuers, because all the additionalÂ perksÂ and rewards they provide are covered by the increased merchant fees, which essentially means theÂ credit card companyÂ offers you extra money to incentivize you to spend, and then demands this money from the retailers.
It’s a good gig, but some consumers believe they can beat the credit card companiesÂ and one of the ways they do this is via something known asÂ credit card churning.
What isÂ Credit Card Churning?
Many reward cards offerÂ sign-up bonusesÂ to entice consumers to apply. Not only can you get regularÂ cash back, statement credit, and air miles, but you’ll often get a reward just for signing up. For instance, manyÂ rewards credit cardsÂ offer a lump sum payment to all consumers who spend a specific sum of money during the first three months.
Credit card churningÂ is about taking advantage of these bonuses, and getting maximum benefits with as little cost as possible.
“Churners” will sign up for multiple different reward cards in a short space of time, collect as many of these bonuses as they can, clear the card balance, and then reap the rewards.
DoesÂ Credit Card ChurningÂ Work?
Credit card churningÂ does work, to an extent. Reward credit cards typically don’t require you to spend that much money to receive the sign up bonus, with most bonuses activated for a spend of just $500 to $1,000 over those first three months. This is easily achievable for most credit card users, as the average spend for reward cards is over $800 a month.
If you haveÂ good credit, it’s possible to sign up to multiple credit cards, collectÂ bonus offersÂ without increasing your usual spend, and get everything from hotel stays to free flights,Â cash back,Â gift cards, statement credit, and more.
However, it’s something that manyÂ credit card companiesÂ are trying to stop, as they don’t benefit from users who collectÂ sign-up bonuses, don’t accumulate debt, and then pay off their balance in full. As a result, you may face restrictions with regards to how many bonuses you can collect within a specified timeframe.Â
What’s more, there are several things that can go wrong when you’re playing with multipleÂ new accountsÂ like this, as all information is sent to theÂ credit bureausÂ and could leave a significant mark on yourÂ credit report.
Dangers of Churning
Even if theÂ credit card companiesÂ don’t prevent you from acquiring multipleÂ new credit cards, there are several issues you could face, ones that will offset any benefits achieved from those generousÂ sign-up bonuses, including:
1. You Could be Hit with Hefty Fees
Many reward credit cards haveÂ annual fees, and these average around $95 each, with some premiumÂ rewardsÂ cardsÂ going as high as $250 and even $500. At best, these fees will reduce theÂ amount of moneyÂ you receive, at worst they will completely offset all the benefits and leave you with a negative balance.
Annual feesÂ aren’t the only fees that will reduce your profits. You may also be charged fees every time you withdraw cash, gamble, make a foreign transaction or miss a payment,
2. YourÂ Credit ScoreÂ Will Drop
Every time you apply for aÂ new credit card, you will receive aÂ hard inquiry, which will show on yourÂ credit reportÂ and reduce yourÂ FICOÂ scoreÂ by anywhere from 2 to 5 points. Rate shopping, which bundles multiple inquiries into one, doesn’t apply toÂ credit card applications, soÂ credit cardÂ churnersÂ tend to receive manyÂ hard inquiries.
AÂ new accountÂ can also reduce yourÂ credit score. 15% of your score is based on the length of your accounts while 10% is based on how manyÂ new accountsÂ you have. As soon as thatÂ credit card accountÂ opens, your average age will drop, you’ll have anotherÂ new account, and yourÂ credit scoreÂ will suffer as a result.
The damage done by aÂ new credit cardÂ isn’t as severe as you might think, but if you keep applying and adding thoseÂ new accounts, the score reduction will be noticeable. You could go fromÂ Excellent CreditÂ toÂ Good Credit, or from Good to Fair, and that makes a massive difference if you have a home loan or auto loan application on the horizon.
Your credit utilization ratio also plays a role here. This ratio is calculated by comparing your total debt to yourÂ available credit. If you have a debt of $3,000 spread across three credit cards with a totalÂ credit limitÂ of $6,000, your credit utilization ratio is 50%. The higher this score is, the more of an impact it will have on yourÂ credit score, and this is key, as credit utilization accounts for a whopping 30% of your score.
Your credit utilization ratio is actually one of the reasons yourÂ credit scoreÂ doesn’t take that big of a hit when you openÂ new cards, because you’re adding a newÂ credit limitÂ that has yet to accumulate debt, which means this ratio grows. However, if you max that card out, this ratio will take a hit, and if you then clear the debt and close it, all those initial benefits will disappear.
You can keep the card active, of course, but this is not recommended if you’re churning.
3. You’re at Risk of AccumulatingÂ Credit Card Debt
EveryÂ new cardÂ you open and every time yourÂ credit limitÂ grows, you run the risk of falling into a cycle of persistent debt. This is especially true whereÂ credit card rewardsÂ are concerned, as consumers spend much more on these cards than they do on non-reward credit cards.
Very few consumers accumulateÂ credit card debtÂ out of choice. It’s not like a loanâitâs not something they acquire because they want to make a big purchase they can’t afford. In most cases, the debt creeps up steadily. They pay it off in full every month, only to hit a rough patch. Once that happens, they miss a month and promise themselves they’ll cover everything the next month, only for it to grow bigger and bigger.
Before they realize it, they have a mass ofÂ credit card debtÂ and are stuck paying little more than the minimum every month.Â
If you start using a credit card just to accumulate rewards and you have several on the go, it’s very easy to get stuck in this cycle, at which point you’ll start paying interest and it will likely cost you more than the rewards earn you.
4. It’s Hard to Keep Track
Opening one credit card after another isn’t too difficult, providing you clear the balances in full and then close the card. However, if you’re opening several cards at once then you may lose track, in which case you could forget about balances, fees, and interest charges, and miss your chance to collectÂ airline milesÂ cash back, and other rewards.
How to Credit Churn Effectively
To credit churn effectively, look for theÂ best rewardsÂ and most generousÂ credit card offers, making sure they:
- Suit Your Needs:Â A travelÂ rewards cardÂ is useless if you don’t travel; a store card is no good if you don’t shop at that store. Look forÂ rewards programsÂ that benefit you personally, as opposed to simply focusing on the ones with the highest rates of return.
- AvoidÂ Annual Fees:Â AnÂ annual feeÂ can undo all your hard work and should, therefore, be avoided. Many cards have a $0Â annual fee, others charge $95 but waive the fee for theÂ first year. Both of these are good options forÂ credit card churning.
- Don’t Accumulate Fees:Â Understand how and why you might be charged cash advance fees and foreign transaction fees and avoid them at all costs. The fees are not as straightforward as you might think and are charged for multiple purchases.
- Plan Ahead:Â Make a note of theÂ bonus offerÂ and terms, plan ahead, and make sure you meet these terms by theÂ due datesÂ and that you cover the balance in full before interest has a chance to accumulate.
- Don’t Spend for the Sake of It:Â Finally, and most importantly, don’t spend money just to accumulate more rewards. As soon as you start increasing your spending just to earn a few extra bucks, you’ve lost. If you spend an average of $500 a month, don’t sign up for a card that requires you to spend $3,000 in the first three months, as it will encourage bad habits.Â
What Should You do if it Goes Wrong?
There are many ways thatÂ credit card churningÂ could go wrong, some more serious than others. Fortunately, there are solutions to all these problems, even forÂ cardholdersÂ who are completely new to this technique:
Spending RequirementsÂ Aren’t MetÂ
If you fail to meet the requirements of the bonus, all is not lost. Your score has taken a minor hit, but providing you followed the guidelines above, you shouldn’t have lost any money.
You now have two options: You can either clear the balance as normal and move onto your next card, taking what you have learned and trying again, or you can keep the card as a back-up or a long-term option.Â
Credit card churningÂ requires you to cycle through multiple issuers andÂ rewards programs, never sticking with a single card for more than a few months. But you need some stability as well, so if you don’t already have a credit card to use as a backup, and if that card doesn’t charge high fees or rates, keep it and use it for emergency purchases or general use.
Creditor Refuses the Application
Creditors can refuse an application for a number of reasons. If this isn’t your first experience of churning, there’s a chance they know what you’re doing and are concerned about how the card will be used. However, this is rare, and in most cases, youâll be refused because yourÂ credit scoreÂ is too low.
Many reward credit cards have a minimumÂ FICOÂ scoreÂ requirement of 670, others, including premiumÂ American ExpressÂ cards, require scores above 700. You can find more details aboutÂ credit scoreÂ requirements in theÂ fine printÂ of allÂ credit card offers.
YourÂ Credit ScoreÂ Takes a Hit
As discussed already, credit card churning can reduce yourÂ credit scoreÂ by a handful of points and the higher your score is, the more points you are likely to lose. Fortunately, all of this is reversible.
Firstly, try not to panic and focus on the bigger picture. WhileÂ new accountsÂ and credit length account for 25% of your total score,Â payment historyÂ and credit utilization account for 65%, so if you keep making payments on your accounts and don’t accumulate too muchÂ credit card debt, your score will stabilize.
You Accumulate Too Much Debt
Credit card debtÂ is really the only lasting and serious issue that can result fromÂ credit card churning. You’ll still earn benefits on a rolling balance, but your interest charges and fees will typically cost you much more than the benefits provide, and this is true even for theÂ best credit cardsÂ and the most generous reward programs.
If this happens, it’s time to putÂ credit card churningÂ on the back-burner and focus on clearing your debts instead. Sign up for aÂ balance transferÂ credit card and move your debt to a card that has a 0% APR for at least 15 months. This will give you time to assess your situation, take control of yourÂ credit history, and start chipping away at that debt.
What is Credit Card Churning? Dangers and Benefits is a post from Pocket Your Dollars.
Many of us are avoiding travel during the pandemic.
But if you have to shelter in place under quarantine once you get to your destination, wouldnât you rather do it in an environment that at least seems more within your control?
If the choice is between a hotel where you must trust your experience to a faceless corporation or a local host you can talk to through homestay sites like Airbnb and Vrbo, the latter may be the better option for these times (provided you donât violate their party guidelines).
Whatever option you choose, credit card issuers now reward homestays with points and cash back in the same way theyâve long doled out rewards for hotels and other travel expenses.
These are the best cards on the market for homestays like Airbnb.
See related: Strategies for planning 2021 travel
Wells Fargo Propel American ExpressÂ® card: Best no-annual-fee, high rewards option
Wells Fargo Propel American ExpressÂ® card: Best no-annual-fee, high rewards option
TheÂ Wells Fargo Propel American Express cardÂ includes arguably one of the highest rates of return on points for some of the most popular redemption categories out there, including homestays like Airbnb and Vrbo.
The greatest advantages of this card â besides earning 3 points per dollar spent on some popular spending categories â are that thereâs no point limit or expiration, no annual fee and no rotating categories that you constantly have to remind yourself to activate. You get three times the points in the relevant categories all the time without restriction, with travel â including all homestays â and transit being one of those prominent categories.
The card also charges no foreign currency conversion fee, so buying things abroad is less expensive. If that werenât enough, hereâs what you also get:
- 3 points per dollar spent on travel and transit purchases
- 3 points per dollar spentÂ on eating out and ordering in
- 3 points per dollar spent on gas and rideshares
- 3 points per dollar spentÂ on select streaming services such as Hulu, Netflix, Sirius XM and Spotify Premium
- 1 point per dollar spentÂ everywhere else
- No annual fee
- No points limitÂ or expiration
- Premium access to presale tickets, offers and protections from American Express
- 20,000 points when you spend $1,000 in the first three months
Chase Sapphire Reserve: Best introductory bonus
Before the Wells Fargo Propel card debuted,Â Chase Sapphire ReserveÂ was the go-to credit card option for Airbnb fans. It offers a 50,000-point introductory bonus when you spend $4,000 in your first three months of membership. Those points are worth up to $750 when you book travel through Chase Ultimate Rewards.
Though equipped with fewer spending categories offering 3X points and carrying a large annual fee of $550, the benefits of the Chase Sapphire Reserve card are more specifically geared toward frequent travelers.
At the same time, that large annual fee is offset by a $300 annual credit that will reimburse any travel expense â including Airbnb. And from June 1, 2020, to June 30, 2021, gas station and grocery store purchases count toward the travel credit.
Add to that a $100 credit covering the application toÂ Global Entry/TSA Precheck every four yearsÂ and the annual fee is almost completely offset in the first year.
Meanwhile, there are even more travel benefits:
- 50,000 bonus points after you spend $4,000 in the first three months (worth up to $750 in travel)
- 3 points per dollar spent on travel (excluding purchases covered by the $300 travel credit)
- 3 points per dollar spentÂ on dining (including delivery and takeout) and travel; $1,000 in grocery purchases, including eligible pick-up and delivery services, from Nov. 1, 2020 to April 30, 2021
- Complimentary airport lounge accessÂ through Priority Pass Select Membership
- Trip cancellation/interruption insurance
- Primary car rentalÂ insurance
- Lost luggage reimbursement
Bank of AmericaÂ® Premium RewardsÂ® credit card: Best for bonus rewards
While the points per dollar offered byÂ Bank of America Premium Rewards credit card on travel and Airbnb are fewer than the credit cards above, the sign-up bonus and up to $200 in annual statement credits make it a decent option, even with less flexibility on what qualifies as a credit than the credit cards above.
This card should absolutely move to the top of your list if you are already a Bank of America Preferred Rewards client. That designation automatically increases your return even higher than what the other credit cards above offer on travel and dining â you can get a rewards bonus of up to 75%.
Combine that with a generous sign-up bonus and the Bank of America Premium Rewards is one of the most potent rewards cards for Preferred Rewards clients.
The card includes:
- Introductory bonus: 50,000 points when you spend $3,000 in the first 90 days (worth up to $500 in free travel)
- 2 points per dollar spent on dining and travel purchases, including Airbnb and Vrbo
- 1.5 points per dollar spent on everything else
- Get up to $200 in travel statement credit rewards, including $100 for incidental spending per year and $100 toward a TSA Precheck/Global Entry application every four years
- No foreign transaction fees
- Bank of America Preferred Rewards clients earn up to 3.5 points per dollar on travel and dining purchases and up to 2.62 points per dollar on all other purchases
- $95 annual fee
Travel loyalty programs offer extended perks in pandemic
Capital One Venture Rewards Credit Card: Best flat-rate miles option
The Capital One Venture Rewards Credit CardÂ is remarkably similar to Bank of Americaâs Premium Rewards card, right down to the $95 annual fee, but without the additional benefits afforded to Bank of America Preferred Rewards clients.
However, Capital One Venture Rewards offers 2 points per dollar spent on every purchase, not just travel and dining.
- Earn 60,000 travel miles after you spendÂ $3,000 in purchases in the first three months â equaling $600 in travel credit
- Earn 2 miles per dollar spentÂ on every purchase, every day
- Points can be redeemed for statement creditÂ on travel purchases, including Airbnb
- $95 annual fee
- No foreign transaction fees
Amazon Prime Rewards Visa Signature card: Best for online shopping
You may be wondering why the Amazon Prime Rewards Visa Signature card is on a list highlighting the best credit cards for AirBnb, Vrbo and other homestays.
Shouldnât this card be limited to the âbest credit cards for online shoppingâ list? Not when Amazon offers Airbnb gift cards and the Amazon Prime Rewards card gives you 5% cash back on Amazon.com purchases as long as you have a Prime membership, which essentially acts as the annual fee ($119).
Just purchase an AirBnb gift card from Amazon with the card, and itâs as if you are getting 5% cash back for your AirBnb stay when you apply the gift card towards it. Itâs the highest rate on this list, Amazon or not.
Youâll receive the following additional benefits:
- 5% cash back on Whole Foods and Amazon purchases (with Prime membership)
- 2% cash back on purchases at drugstores, gas stations and restaurants
- 1% cash back on all other purchases
- A $100 Amazon gift card upon credit card application approval
- No foreign transaction fees
- $500,000 travel accident insurance
- $3,000 per passenger lost luggage reimbursement
- Baggage delay insurance of up to $100 a day for three days
- Extended warranty coverage for an additional year
See related: How to pay off Amazon purchases over time
Discover itÂ® Miles: Best no-fee option
Though the points per dollar on this card are lower than any other credit card on the list,Â Discover it MilesÂ gives you much more freedom in how you can manage your points and account.
You can redeem miles in any amount, your miles donât expire even if you close your account and 1% of your miles can be converted directly into cash for your bank account.
Discover it Miles offers:
- 1.5 miles for every dollar spent on every purchase (matched at the end of the first year)
- Points can be redeemed for statement creditÂ on travel expenses, including Airbnb, gas stations and restaurants.
- Miles can be converted into cashÂ at rate of 1 cent per mile and transferred directly into your bank account
- Redeem miles in any amount
- Miles never expireÂ and you donât lose them even when you close your account
- No late payment fee or penalty APRÂ on your first late payment, up to $40 thereafter
- No foreign transaction fees
- No annual fee
- 0% APR on purchases for 14 monthsÂ (11.99% to 22.99% variable APR after that)