Britt23

The Costco Amex card does NOT earn travel credit. It is strictly a rebate card - rebates which must be spent at Costco. You earn 2% on any travel booked. This is only a good card if you shop at and live near a Coscto.

 

If you are looking for an Amex card with travel rewards there are several, such as Amex Blue Sky, Amex Starwood, or Amex Hilton Honors http://www.askmrcreditcard.com/americanexpresscreditcards.html

cbreeze,

Can you tell me how you redeem the capital one points for a cruise? Does it work like the airlines where you can pick any cruise line?

Yes, that was my only issue with AMEX. When you are traveling, it's important to have a card that is widely accepted. Just to let you know, we have redeemed a couple of flights already on Capital One and it's a very simple process. You get to choose any airline, any dates/times, within a range of prices per points. Just be sure to use your Capital One to pay for the tickets and they credit your card back right away. It worked great and I would highly recommend this card.

I think I will go with Amex Blue Cash, and because Amex is not taken anywhere, Capital One No Hassle MilesSM Ultra for Professionals, which has a small fee, but seems to be well worth it. See below, as "miles" can be used for any type of travel, cash applied to balance, or many other rewards.

Capital One No Hassle MilesSM Ultra for Professionals

Annual fee-$39

2 miles per $1 spent on purchases

Miles Redemption Info for Travel:

Simply add two zeros to the price of your travel purchase, then trade in that number of miles to pay for it.

 

Examples: $180 flight = 18,000 miles

 

$100 hotel room = 10,000 miles

 

Travel easy with No Hassle MilesSM

Book your travel any way you choose

Use your card for airfare, cruise tickets, hotel stays, or rental cars from ANY website or travel agency.

 

Redeem your miles

Redeem your miles online or by phone to get reimbursed for your purchase.

 

Receive a statement credit

Your account will be credited for the purchase, and you will see that credit on your statement.

 

The choice is yours. Redeem your miles for:

Travel: Enjoy using your miles for flights, hotel stays, cruises, car rentals, and all other travel purchases.

Merchandise: Get name-brand electronics, sporting equipment, and more.

Charitable Donations: Donate your miles—it always feels good to help.

Statement Credit: You can also use your miles to pay for other non-travel purchases you've made with your Capital One® Card.

This is the card that both my husband and I have. He already has enough points for two flights. It adds up very quickly. I did alot of research and it was one of the better cards.

The address on the back of certificates is:

Norweigian Cruise Line

P.O. Box 025403

Miami, FL 33102-5403

Though I'm a little worried. Can I send it certified to a PO Box?

I always send priority mail with delivery confirmation.

Thanks Mary!

We received our second and final $500 certificate. Could anyone tell me the best way to ship them to NCL? Registered, overnight, return receipt??? Thanks!

I for one would love to learn more.

 

I have no idea which card to use now. I woyuld rather stay away from AMEX as it is not taken everywhere and one card sounds so much easier since I have been using the 2 NCL BOA cards for the last 4 years.

We did have Delta Skymiles before the BOA card, but there were too many restrictions /blackout dates etc. All the dates/times we seemed to want to travel the points were doubled or it was unavailable. So after Skymiles, we went to BOA (when I found it on this site.) Now back to Capital One only. I realize the annual fee might be a deterrent to some people, but you can always ask to have it wavied the first year.

How Do I Earn Miles?

Every time you use the card, you’ll earn 2 miles per dollar on your net purchases (purchases minus any credits or returns). The following items will not earn miles: cash advances, transferred balances, any checks used to access your account, finance charges, fees of any kind, service charges, unauthorized charges and ATM transactions.

Will My Miles Ever Expire?

Your miles are yours for the life of the account – they won’t expire. But if your account is closed, you’ll lose any miles you haven’t redeemed.

Is There A Limit To The Amount Of Miles I Can Earn?

There’s no cap to the amount of miles you can earn on purchases.

What Happens To My Miles If I Pay Late?

If a late fee is charged to your account, you will lose any miles applied to your rewards balance during the billing cycle containing the fee.

How Do I Redeem My Rewards For Travel?

There are two ways to redeem your miles:

1) You can contact our Rewards Center toll free to book your travel. Or,

2) You can purchase your travel (anywhere you choose–online, in person, or over the phone) with your No Hassle Rewards card. You’ll then have 90 days from the date your travel purchase posts to your account to call our Rewards Center or redeem your miles online at http://www.capitalone.com/nohasslerewards to get reimbursed for the cost of the travel purchase.

The number of miles you need for travel varies, and depends on the cost of the travel purchase. Here’s how it works:

Simply multiply the cost of your travel purchases by 100. For example, if your ticket costs $200, you’d multiply that by 100 to determine you need 20,000 miles to redeem.

We include all associated taxes, airport security fees, fuel surcharges and other usage fees required for travel in the overall calculation to determine how many miles are required for redemption. You need to have the amount of rewards required in order to redeem for your selected travel purchase – partial redemptions will not be processed.

Can I Redeem My Rewards For Something Other Than Travel?

You can redeem your miles for cash, gift cards, brand-name merchandise and more. Rates for these other redemption options vary and are subject to change without notice. If you received this offer in the mail, you can call the application number provided for additional information regarding these redemption rates. If you are reviewing this offer online, you can call the phone number provided to get additional information regarding these redemption rates. As an Account holder, you can visit http://www.capitalone.com/nohasslerewards to register your account and see a complete description of current redemption offers.

CAPITAL ONE® IMPORTANT DISCLOSURES

ANNUAL PERCENTAGE RATE (APR) for purchases‡

0% (0.00000% daily periodic rate) through your 10/2009 billing period. After that, a variable rate, currently equal to 9.9% (0.02712% daily periodic rate).

Other APRs

Special transfer APR: A variable rate, currently equal to 9.9% (0.02712% daily periodic rate). ♦

Balance transfer APR: A variable rate, currently equal to 9.9% (0.02712% daily periodic rate). ♦

Cash advance APR: A variable rate, currently equal to 22.9% (0.06274% daily periodic rate).

Default APR: A variable rate, currently equal to 24.9% (0.06822% daily periodic rate). See explanation below. ‡

Variable rate information

Your purchase APR may vary quarterly. The rate will be determined by adding 4.9% to the Prime rate.* Rate in effect 10/01/2008. Your balance transfer APR may vary quarterly. The rate will be determined by adding 4.9% to the Prime rate.* Rate in effect 10/01/2008. Your cash APR may vary quarterly. The rate will be determined by adding 17.9% to the Prime rate.* Rate in effect 10/01/2008. Your special transfer APR may vary quarterly. The rate will be determined by adding 4.9% to the Prime rate.* Rate in effect 10/01/2008. Your default APR may vary quarterly. The rate will be determined by adding 19.9% to the Prime rate. * Rate in effect 10/01/2008.

Grace period for repayment of the balance for purchases

25 days from the date of the periodic statement on new purchases (provided you have paid your previous balance in full by the due date).

Method of computing the balance for purchases

Average daily balance (including new purchases).

Minimum finance charge

For each Billing Period that your Account is subject to a finance charge, a minimum total FINANCE CHARGE of $0.50 will be imposed.

Membership fee

$39 annually.

Miscellaneous fees

Cash advance fee: 3% of amount of the cash advance, but not less than $10.

Transfer fee: None.

Late payment fee: Your late payment fee will be based on the amount of your account balance at the time the fee is applied. Balance of $0 - $99.99 = $15 fee; balance of $100 - $249.99 = $29 fee; balance of $250 or more = $39 fee.

Over-the-credit-limit fee: None.

I have been looking at that one closely. I think that is the one I may go with, along with an Amex blue. It seems to be better than most of the others. I would love to hear from someone who already has the card!

Hi - My husband and I both have these cards. He uses one for work purchases and we both use another account for home purchases. (I just opened the one for our home purchases since BOA changed their program.) When I called, they gave me the 'professional' card but it wasn't for business use it was only because my credit was excellent. They give you two points for all purchases. You can buy your tickets through any travel site or directly through the airline. When you buy your airline tickets you have to use the Capital One card and then they credit the amount back to you. I don't have the exact miles/cost of tickets, but I can pull out the paperwork if you would like it. It was pretty painless when we used it before and I like the fact that you don't have to use a specific (overpriced) travel company. I have don't alot of research and haven't found anything better. The hotel cards posted on this site look great, but I usually get great deals through priceline.

You question was answered above.

4. Mail your certificate well before the final payment date.

 

No use waiting to the last minute in case of problems. Order and mail your certificate as early as you would like to in order to give yourself time to fix any problems if they arise.

 

I guess my reasoning in asking this was because I might not have the 500 points by the time the final payment is due, but should be getting them soon after. So if I make the final payment in October, but my 500 points don't accure until say November, can I then cash in the points?

One question regarding using the certificates. Can they be used after final payment has been made? I am looking at a cruise in Mid April. The final payment will be due January 28th. I will probably have enough points for a second certificate at the end of January or the first week of February (big purchase planned). Can I request a certificate the beginning of February and get a credit back on my card for the money I put towards the final payment?

 

Keith

I have the same question as kmacht. Cruising deposit is due in October. Can I turn in the certificate after the deposit is paid, but before the cruise in February?

One other thing: I'm going to call BoA on this but wanted to share what happened to me. I have had my card about 4 months and have accumulated about 250 points. BoA called me two days ago and we confirmed that there were fraudulent charges placed against my card. They cancelled the account and have sent out new cards with a new account number for me. I am wondering if my points will be transferred. Anyone have this happen to them? Hope they transfer the points for me......

Britt23