Thursday, October 6, 2016

Sunset at the Reichstagsgebäude

   
      The Reichstagsgebäude is the seat of the German Parliament. Its glass dome can be seen from all over the city center, a gleaming reminded that Berlin is the capital of Bundesrepublik Deutschland. The building's history is perhaps more exciting than its current use.


     It was built to serve the Imperial Diet, a parliamentary body of the German Empire. It was opened in 1894, and was in use until 1933, when it was set on fire. The fire was used as an excuse by the Nazi party to crack down on Communists. Thereafter, it fell into disrepair until the early 1960's when it was protected from the weather. It was not touched again until after the reunification of Germany in 1990.



      Norman Foster led the full restoration of the building, including a replacement dome. Built into the dome was a ramp for visitors to the Reichstagsgebäude, where they could look down upon the floor of the Bundestag. Symbolically, this was to remind the legislators that the eyes of the German people are always upon them.





      The restored building is a striking combination of Neoclassicism and modernism. The external architecture belies the modernity of the interior. Most notably, the frieze contains a dedication, "Dem deutschen Volke," which means "To the German people".





      The night I went, there was also a light show on the Bundestag office buildings neighboring the Reichstagsgebäude, along with a video about the history of the building, subtitled in English.







Today, anyone can schedule a visit to the dome after registering online. An appointment time slot and a government issued photo ID like a driver's license or passport are required for entry. If you neglect to book a slot, you can check a booth across the street to see if any are still available for that day. Once there, a self guided audio tour is provided for the walk up the dome. You can stay on top for as long as you wish, and can even eat at the restaurant on the terrace.



If you liked what you read, please like, share, use the referral links to help support us! Careful on the way down that ramp, it makes you dizzy. Also, don't ask for an audioguide in Russian as a joke unless you speak it. The guy speaks Russian and you'll get rather embarrassed.

Wednesday, October 5, 2016

Fire in the Sky: Pyronale

   
Photo by Bethany Jana
 
      The Pyronale is an annual international firework championship held annually on the Maifeld at Olympiastadion in Berlin. This year, I had the chance to view from the top of a "mountain" in Berlin, the Drachenberg. The Drachenberg, whose name means "dragon mountain," is located in the Grünewald, a massive park in the western part of Berlin. The hill next to it is called Teufelsberg, or Devil's Mountain. An abandonded American signals intelligence station sits atop it, further adding to its intrigue.

      From the top, Berlin is laid out before you. Despite only being 99 meters tall, Drachenberg provides an unparalled view to the expanse that is Berlin. On a clear day, the whole skyline is visible, while Spandau is visible from the Northwest side of the hill.

     At night, the soft lighting of the Funkturm shines in front of the lights of Alexanderplatz, the Fernsehturm, and Potsdamer Platz. The sky on a clear night is filled with stars. The night I was there though, the sky was filled with fire.

      When I arrived, the hill was already packed with people waiting for the fireworks show to begin. It took almost 20 minutes to find my friends who had already arrived. Once we found them, we sat down on the far side of the hill to watch the show. It began with a flurry of small, bright fireworks, and then mounted into a 20 minute crescendo of light. After a short pause, the next team's show began on a more subdued note. It emphasized waterfall style fireworks, painting Pollock's in the sky.

      The final show was a cacophony. Fireworks of all kind were used simultaneously, their booms echoing over the city. As the last finale came to a close, the hill began to applaud. The fire and smoke was gone. The stars shown once more over the city. After a short pause, the mass of humanity decamped, off to a new adventure, for this chapter had come to a close.



The video was only filmed vertically because it was pulled from Snapchat. Please withhold judgement and anger.

      Drachenberg is a large flat-top hill. It takes about 15 minutes to walk up to the top of it from the nearest S-Bahn station, S-Heerstraße.  S-Heerstraße can be reached using the S5, S75, Bus 218, M49, X34, and X49. To get to Drachenberg from the station, you need to take Teufelsseestraße Southwest. It will turn into Teufelsseechaussee. From there, a footpath will fork off to the right, and that will take you up the hill.


Pyronale 2017 will take place on September 1st and 2nd.


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Saturday, October 1, 2016

Plague in Peru

Note: This is part of a series entitled, The Worst Ever. I have found that, after all my travels, many of my most cherished memories came in times what, in the moment, seemed to be the height of misery. These memories make up some of the best stories I've ever told. The Worst Ever is an effort to collect people's greatest stories of misery. These are the best of the worst of times.



The first installment comes from Nick, a 19 year old college student.
      A long time ago, in a land far, far away, there was a high schooler from the Midwest who traveled to the far off land of Peru, seeking adventures unknown. This ambitious, awkward, and slightly dimwitted young man is me… I mean was me… Well I’m still awkward and ambitious but hopefully a little less dimwitted. Regardless, my immune system is probably stronger.

      What’s that? You think this is a story of some glorious case of food poisoning (and by glorious I’m referring to the brilliant murals painted by continuous upchuck and ass-blasts)? I can only say I wish it was. The sweet, sickly warmness accompanying Montezuma's Revenge would have been a comfort, nay, a blessing to receive. No, this is the story, of how I contracted, survived, and nearly lost every piece of clothing I had from the Plague… I think.

      Now, to add slightly more perspective to this tale, I must tell you that this was a mission trip, with all the fun, love, and hugs that generally accompany it. We did good work, though, in addition to sitting around a bonfire singing “kumbaya.” Also, this was my second year traveling with this particular organization, having gone to Panama the preceding summer. On that trip, I got to know the organization CEO pretty well. Let’s just say, for being the head of a glorified travel agency, he knew how to have one hell of a good time. For example, when we got to Peru (I went with him in the advance team), we “borrowed” the golf cart that had been set aside for the older, less able-bodied head of ministry who would be joining us in a few days time. With the golf cart fully loaded with Mike (the organization leader) at the wheel and me along with six other individuals hanging on for dear life—and no, this golf cart was no larger than the typical two seater—we promptly decided to take a joyride down two flights of outdoor stars. After quickly getting to the bottom, we started the laborious task of pushing the golf-cart back up the stairs—while Mike remained at the wheel, gunning it, and yelling “Vamanos!” at the top of his lungs… and Mike was no small person. Anyway, this was pretty much where the fun peaked in Peru, though was the lowest point of overall excitement. Three days later, the real “fun” started.

       We spent a day at the coast, sightseeing, getting stuck in traffic, getting stuck in more traffic, and watching some birds, seals, and the like at a wildlife refuge, which, admittedly, was a lot of fun (I know I said there would be no more fun but, hey, we were in Peru). We got back to the compound we were staying at just in time for a dinner of soggy egg soup—their version of scrambled eggs. During this dinner, I had the opportunity to sit next to a rather attractive girl, let’s call her Emily. I had started developing a crush on Emily for the past couple of days, and now she was showing me her pictures from the day, whilst I casually had my arm around her shoulders so I could lean in close to see the camera screen. (I am fully away something like this is benign, insignificant, and underexciting; but, to 15 year old, awkward me, this was the best day ever). This was the best day ever until deep within my bowels, a dark, primal, unearthly, and slightly juicy rumble quaked through my body. As someone who has experienced the horrors that generally follow this, I knew that I had precisely 30 minutes to get to the bathroom or get my undies dry-cleaned. But there was no way in hell (actual hell or the one percolating in my stomach) I was going to leave Emily, nevermind the fact we still had 3,000 pictures left. So I sat there, the earthquakes increasing, the chills slowly encroaching… the pressure, building ever higher.

      Though dinner continued for 45 more minutes, 15 after my anticipated rupture time, I had managed to keep my intestinal dragon from breathing its fire. One may think I ran to the bathroom—I could barely manage to shuffle. I managed a painful, though nearly graceful butt-clenching, penguin-walking, stomach-holding shuffle all the way back to my humble abode. I had made it. The bathroom was just inside, elevated on a platform no more than a foot or so above the ground. I was victorious. My confidence led me to stride in and start to leap onto the platform. This was my mistake. Mid-leap, legs spread like an eagle… I sneezed… In that split second, the pressure was too much. The volcano blew its top and all the fury of hell boiled over… and into my shorts. I had opened pandora’s box—the evil had been released and could no longer be contained.

   
      After this episode had subsided and I manage to clean myself, my floor, and, yes, even my walls, I took the shorts and underwear I probably should have burned to the hotel laundry service. I gave them my articles, wrapped in layer after layer of Walmart shopping bags, absolutely humiliated, and, after having to reassure the attendants I was okay, they had the nerve to charge me a 50% hazard fee. Humiliation, plus one.

      This general condition continued for a couple of days. I wrote it off as the Montezuma’s revenge we had mentioned earlier. After all, I was using tap water to brush my teeth—a supposed “no-no.” But that is when I started going downhill. We were about 10 days into our 30 day trip when the cough began. At first, I wasn’t worried. We all get colds right? Especially after I had been having the bend-n-sprays for almost a week. Without fail though, the cough got worse. Eventually, two weeks into the trip, I completely fell apart.

      At this two week mark, we were switching cities from Lima to Cuzco. Many people were worried about Cuzco because of altitude sickness—I was worried about the audible fluid in my lungs the morning I woke up to get on the flight. First, if you have ever had liquid in your lungs, you know it feels like being stabbed. Second, I woke up to this because I couldn’t really breathe that well. Finally, when I said audible, I meant it. When I sat up to catch my breath, you could hear the fluid drain to the bottom. It sounded like the pre-squirt stomach rumbles—it wasn’t. Anyway, I was worried but there was nothing I could do except wheeze my way to the bus where I promptly collapsed and passed out.

      From this point forward, I had no energy. People often say they have no energy, but this is false. The moment I got off the plane in Cuzco, the combination of not being able to breathe, plus the lack of high-altitude oxygen made me so fatigued I strained to carry my backpack. Thankfully (?), I plateaued at this level for a couple of days. I was able to shuffle around, do the basic work that was required of me, and generally function on my own. My cough was getting worse and it was harder and harder to breathe, but I would take that any day over what happened next.

      Now at nearly 20 days—two days before we were to leave Cuzco—I woke up with tiny tender blackish bruises. They weren’t large, painful, or plentiful enough to raise new suspicions, but they were certainly there. Additionally, another new symptom presented—chills. No matter how many blankets and coats I wore, I kept getting colder. At one point, I was drinking over a dozen cups of tea a day just to keep from shivering unconscious. This is why I was very pleased that we were going to leave for the balmy, warm Amazon rainforest. How wrong I was.

      When we left Cuzco for the airport, I could no longer carry my backpack or walk on my own. I had to sit every few minutes to keep from passing out. I was completely helpless. One symptom that had not become apparent because of the high and dry climate of Cuzco was the ear infections. The pressure had kept my ears relatively stable and dry. However, the moment we touched down in Iquitos, I realized my ears were full. Full of what, I do not want to know. But I could not hear and I definitely could not balance. Also, we found out upon arrival that it was the coldest this section of the Amazon had been in almost 75 years. So the chills were there to stay. When we arrived at our residence in the Amazon, an hour and a half boat ride from the nearest civilization, I stumbled into my room—cutting myself on the doorframe—and passed out into bed.

      I became increasingly sicker for the next couple of days. The cut I got from the door didn’t scab, it molded. The little black bruises puffed up. Some burst and oozed horrific black and bloody liquid. All the while, my cough got progressively worse. This is when the blood started.

     You know when someone dies in the movie and the screen cuts away to a shot of their lifeless face resting on the ground with blood coming from their mouth and nose? That was me. I began bleeding out of every place I have—bloody diarhea, bloody piss, bloody snot, and bloody coughs. The coughs were the worst, the taste of blood being distributed into your mouth, unable to get rid of it no matter what you drank (eating was out of the question at this point). My lungs were full of fluid too, to the point where I could take a quarter breath if I was lucky. Without eating, I became so weak that, for a 36 hour period, I couldn’t move. Once, I was able to roll to the shower to relieve myself, but besides that, I literally just laid on a cot on the ground, oozing blood and mucus. For those 36 hours, I truly and honestly thought I would die in the Amazon.

      You may ask why the organization didn’t do anything for me and the truth is this was my fault. I did not tell them what was going on. I simply said I had the stomach flu and I couldn’t go out. This of course was a lie by it kept people from bothering me. The doctor on hand gave me two pills and ear drops. They didn’t help. In no way though do I blame the organization—the fault is entirely mine that I did not relay my symptoms or request help.

      Nevertheless, though some miraculous turn of events, the bleeding stopped. I was able to drink and eat a little and the diarrhea stopped. I wouldn’t say I had regained my strength by any means, but the fact I was able to stand up, go to the bathroom, and change my clothes made me feel like superman. During the final two days in the Amazon, I was able to go out with the group, fish for piranhas, and I even went swimming in the river (a poor choice that almost led to me drowning but that’s another story).

      When we finally left, I was still coughing like a maniac and still was unable to hear properly, but I was recovering. The next two months back home were filled with explaining the black boil scars to people and coughing so much people still thought I was dying. To this day, if I go into a sauna I will begin to cough (a problem I never had before). I still have a couple scars from the black boils that popped, though they are slowly fading. Nevertheless, I have made a full recovery.

      People ask me if I’m serious when I tell them I have had the Plague. I tell them I don’t know because I really do not know. The symptoms fit, though the mortality rate puts me in the ~20% of survivors who do not receive proper treatment. They also fit certain types of blood poisoning. But I like the story.

      I also get asked if I wouldn’t have gone on the trip if I had known I would become so ill. I thought about this for a while and, sadly, I think I still would have gone. Though I would never have gotten sick, the other experiences I had on the trip would be missing from my life. Also, I know there are many opportunities I have had since, solely because I went on this trip. The point is, you have to take the bad with the good and, sometimes, it can get pretty bad. No matter what though, your experiences shape you and, occasionally, they leave you with a damn good story.

                                                                                                                      - Nick


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Tier One: There Should Have Been A New Amex Card on the Horizon


Note: This article was written before the final information came out. The churning community has been had by Amex. Even the Doctor of Credit got it wrong. The real surprise was merely a Platinum refresh. There may be more coming in the future, but this could be it. Read this in the context of what American Express should have done to properly compete with Chase.

Rumors have been consuming the admittedly tiny corner of the internet over the past week about a new American Express card. It all started on reddit, with the now famous #drunkamexgirl talking to a redditor in a bar in New York. She mentioned that there was something big coming. Everyone was busy working on it, and it would be here on October 5th. To add to the intrigue, the comment was deleted. (Guerilla marketing?) New evidence came from the doctorofcredit who had other sources confirming the imminent release of a new card.

That's when the shit really hit the fan. With viable confirmation, some CSR and Platinum cardholders began reaching to the Amex retention group, and mentioning features that the CSR has, and the Platinum doesn't. Some retention reps began to let on of a new product on the horizon that would solve their problems. Others were offered 20K MR to stay after either no spend, or a small minimum spend.

Later sources confirmed the card's name: The Tier One. What still isn't clear is if this is a Platinum Card refresh, or an entirely new card. If it is an entirely new card, the current Platinum cardholders will be eligible for the signup bonus, a must to retain customers.

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So what would a new Amex card need to have to truly compete with the CSR?

Signup Bonus
      The new card would have to compete with the 100K UR point bonus that is currently being offered to CSR customers. Anything below 70K is unlikely to sway many to the Amex side and put spend on the card.

Earning Power
      The current Platinum card carries a hefty fee. What isn't hefty is its earning power. After the initial bonus, earning MR is incredibly slow. 1 dollar, 1 point, and no bonus categories, or higher earning power for travel. A travel rewards card that doesn't reward travel is highly unlikely to be used on any regular basis. Travel rewards earning at 3 UR per dollar are practically a requirement, while everything else would likely need to earn at above 1 UR per dollar to steal customers back. 1.5 or 2 UR per dollar seems like the most likely solution.

Travel Credit
      The CSR comes with a best-in-class $300 travel credit that can be applied to almost anything travel related. It also posts instantly. This benefit alone brings the cost of membership down to an attractive $150. The Platinum Card offers a $200 per year airline fee credit, that can only be applied to incidental costs on an airline chosen at the beginning of the year.

Lounge Access
      The Platinum Card currently offers Centurion lounge access, which Chase cannot compete with, while both cards offer Priority Pass Select. One way for Amex to really differentiate that benefit is to offer free guest access. Chase currently charges for guest access to PP lounges.

Fringe Benefits
      American Express could easily undercut the CSR when it comes to trip delay insurance. The current Chase trip delay insurance is only triggered after a six hour delay or more, while the Citi Prestige comes into effect after three. Amex could match or beat Citi's offering here with two or three hour delay coverage. Chase offers primary car rental insurance, which Amex could also easily match.

     Status in other loyalty programs is also likely to be a new battleground. Amex is currently winning that battle, with complimentary HHonors Gold Status, as well as SPG Gold along with National, Hertz, and Avis. Chase chose to give status and discounts on rental cars, and letting the LHR Collection act as the stand in for hotel status.

      



Benefit
Chase Sapphire Reserve
Tier One (Prediction)
Signup Bonus
100,000
70,000-100,000
Earning Power
3X travel and dining, 1X on everything else
3X travel, 1.5X-2X everything else
Travel Credit
$300 annual travel category, posts instantly
$200 annual, one pre-chose airline only, only incidentals
Lounge Access
Priority Pass Select, pay for visitor(exact rules are unclear in practice)
Centurion, Priority Pass Select, free visitor
Loyalty Program Status
National Car Rental, Avis, Silvercar
SPG Gold, HHonors Gold, Avis, Hertz, National
Trip Delay Insurance
Triggered after a delay of six hours or more
Triggered after a delay of less than six hours, likely two or three hours

      If the Tier One turns out to be a separate card in its own right, then the relationship between the Platinum and Tier One is going to have to be rectified. The current $450 annual fee appears to be a point of resistance that would be hard to break in today's environment. To keep the Platinum, it needs to be refreshed, and possibly given a separate set of features as compared to the Tier One. The Amex Concierge service is a likely candidate for exclusivity, as are the myriad of statuses that come with the Platinum. They need to tread a fine line to compete with the CSR, and prevent the devaluation of their own product line.

      That's my best guess at what is going to come out on Wednesday, now the only thing left to do is wait and see. Whatever it is, I hope for Amex's sake that is better than their current Platinum offering by a long shot. And that it's completely made out of metal. That would be the final nail in the coffin against the CSR.


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Saturday, September 24, 2016

Middle-Premium Credit Card Guide

Credit cards come in many tiers, and now that we have gone over some beginner cards, let's look at the next rung of the ladder. Middle-premium cards come with sizable signup bonuses, usually between, 25,000 and 50,000 points/miles. They do have fees, typically between $45 and $195 dollars per year, although the first year's fee is often waived. They have many fringe perks with travel and purchase protection, and most do not have any foreign transaction fees. They lie just below the full premium threshold of consumer cards. Many co-branded airline cards fall squarely into this region, as do some of the more famous bank and charge cards. A Transunion credit score of around 640 or higher is usually required to obtain cards in this segment.

Chase Sapphire Preferred
Photo: Chase.com
This card has long been a favorite of the churning community. It has a fantastic signup bonus of 50,000 Ultimate Reward points after spending $4,000 in three months, which can be transferred to a variety of airline and hotel programs, or they can be redeemed through the Chase portal directly at a rate of 1.25 cents per point. It also comes with a variety of fringe benefits including travel and purchase protection, and no exchange rate fees. The one that has really stood out to me, though, is the dedicated customer service line. They actually treat you like a real human, and are helpful and are usually pleasant. That alone is worth the price of admission. Note that the Chase 5/24 rule does apply to this card.

  • 50,000 Ultimate Rewards bonus points after $4,000 spend in the first three months
  • 2X points on travel and dining charges (wide category)
  • 1 point per dollar on all other charges
  • 1:1 point transfer to travel partners like United, Korean Air, Southwest, BA, and Hyatt
  • No foreign transaction fees
  • Travel and purchase protection
  • 24/7 customer service line that is nice and polite
  • Visa
  • Metal core card (feels much better than a normal plastic card)
Application Link here. Please use this link when applying to help support this blog.


Photo: americanexpress.com
The Gold Card was a standby in many travelers' wallets for decades. In recent years, however, competition has started to make it a relic of the past due to its low sign up bonus, and low earning power in addition to a steep annual fee of $195.
  • 25,000 Member Rewards Point bonus after spending $2,000 in the first three months
  • 3X points on flights booked directly with airlines (No Kayak, Orbitz, or Priceline here...)
  • 2X points at US gas stations and supermarkets
  • $100 airline fee credit per year (Must select airline at beginning of the year, and only applies to incidentals)
  • $75 hotel credit when staying at least two nights in an American Express Travel participating property
  • Premium customer service
  • No foreign transaction fees
  • No pre-set spending limit (It's a charge card, and thus must be paid off in full at the end of each month)
  • $195 annual fee (waived first year)
The American Express Green Card, with an annual fee of $95 fits with the other cards in this segment, but was excluded due to its lack of a signup bonus, and exceptionally low earning power.

Application Link here. Please use this link when applying to help support this blog.

Photo: citi.com
The Premier Card had signup bonuses, but none are available at this time. It has good earning power, and the ThankYou points program offers a variety of transfer partners and direct redemption options.
  • 3X points on gas and travel, 2X on dining and entertainment, 1X on all other purchases
  • Points are worth 25% more through the Citi portal when they are redeemed for travel
  • Wide variety of transfer partners including HHonors, Eva, Etihad, FlyingBlue, Qantas, Qatar, and Krisflyer
  • Travel, lost baggage, and price protection
  • Mastercard
  • No foreign transaction fees
  • $95 annual fee (waived first year)

Co-branded Credit Cards

Photo: americanexpress.com
The Gold Delta card offers a nice mix of amenities for frequent Delta customers, including free checked bag, priority boarding, and double miles on Delta purchases. The signup bonus is sizable, at 30,000 miles after $1,000 spend in the first three months. You can also get a $50 statement credit if a Delta purchase is made during the first three months. The $95 annual fee is waived during the first year.
  • 30,000 SkyMile signup bonus after spending $1,000 in the first three months
  • $50 statement credit after making a Delta purchase in the first three months
  • Free checked bag on Delta flights (up to $50 roundtrip)
  • 2X miles on Delta purchases
  • Priority boarding and discounted Sky Club access
  • No foreign transaction fees
  • American Express
  • $95 annual fee, waived during the first year
Application Link here. Please use this link when applying to help support this blog.

Photo: citi.com
The name is a mouthful, but overall this card offers good value for frequent domestic travelers on American Airlines. It has a free domestic checked bag benefit for the cardholder and four companions, as well as priority boarding. The signup bonus is a respectable 30,000 miles after spending $1,000 in the first three months. There are sometimes targeted offers with substantially higher signup bonuses.
  • 30,000 mile signup bonus after $1,000 spend in the first three months
  • First checked bag is free for cardholder and up to four companions on the same itinerary for domestic flights
  • Automatic Group 1 boarding on domestic flights
  • 2X miles on all American Airlines purchases
  • Reduced mileage awards when redeeming points
  • 10% of redeemed miles back each year (up to 10,000 miles)
  • Travel and purchase protection
  • Mastercard
  • No foreign transaction fees
  • $95 annual fee (waived first year)
Photo: Chase.com
The Explorer card offers a solid signup bonus and great benefits for those who often fly United. The 30,000 mile signup bonus is often bettered by targeted offers on the MileagePlus online portal or through mail with offers of 50,000 or 70,000 miles with the same $1,000 spend requirement. It comes with a free checked bag benefit for the cardholder and one companion on all United operated flights when the purchase is made with the card. Priority boarding and two United Club passes per year are included.
  • 30,000 mile signup bonus (50,000 or 70,000 targeted) after spending $1,000 in the first three months
  • 2X miles on United purchases, 1X on all others
  • Free checked bag for cardholder and one companion on all United operated flights, including international
  • Two United Club passes per year
  • Priority boarding on United (Group 2)
  • Spend counts toward status on United ($25,000 per year for Silver)
  • Travel and purchase protection
  • 10,000 bonus miles each year if $25,000 is spent over the course of that year
  • No foreign transaction fees
  • Visa Signature
  • $95 annual fee (waived first year)
That is only a small sample of the many middle-premium co-branded credit cards that are available. Chase has a wide variety, many of which have the 5/24 rule applied. Citi and American Express maintain a mild selection as well. Depending on your needs, one of these could be a better value proposition than the above.

Chase Middle-Premium Co-branded Credit Cards

  • 50,000 bonus points after $2,000 spend in first three months
  • $99 annual fee
  • 50,000 bonus Avios after $3,000 spend in the first three months
  • $95 annual fee
  • 80,000 bonus points after $3,000 in spend in the first three months (note that Marriott rewards have a lower per-point value than most other programs)
  • $85 annual fee
  • 60,000 bonus points after spending $1,000 in the first three months
  • $49 annual fee (waived first year)
  • 2 free nights at a Hyatt hotel after $2,000 spend in the first three months
  • 1 free night per year 
  • $75 annual fee
Citi Co-branded Middle Premium Credit Cards

  • 25,000 bonus Expedia+ points after $2,000 spend in the first three months
  • $95 annual fee
  • 2 free weekend nights after $2,500 spend in the first four months
  • $95 annual fee
American Express Co-branded Middle-Premium Credit and Charge Cards

  • 35,000 mile and 5,000 MQM bonus after spending $1,000 in the first three months
  • $100 statement credit for a Delta purchase in the first three months
  • $195 annual fee
  • 2 free nights at Category 1-5 hotels after $3,000 spend in the first three months
  • $95 annual fee (waived first ear)

  • 75,000 HHonors point bonus after $3,000 spend in the first three months
  • $75 annual fee
  • 10,000 Membership Rewards point bonus after $1,000 spend in the first three months
  • $95 annual fee

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