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The JetBlue Card from American Express is offering 10,000 points after your first purchase. Each purchase on the card earns one TrueBlue point per dollar, and some purchases can earn up to eight points per dollar. Is the $40 annual fee worth these and the card’s other benefits?

JetBlue operates major hubs in New York, Boston, Long Beach, Orlando, and Fort Lauderdale. If you live or work in one of these cities, you might even have tried JetBlue as an alternative to a legacy airline. Industry experts credit JetBlue with shaking up their business by blending the service of a traditional airline with the pricing model of an upstart discount carrier. They also installed free DirecTV monitors in every seatback, freeing passengers from the tyranny of boring, in-flight entertainment.

JetBlue’s TrueBlue frequent flyer program resembles the kind of rewards points system used for certain Chase, American Express, and CitiBank credit cards. Instead of earning miles based on your flight distance, you earn six TrueBlue points for every dollar you spend on airfare at JetBlue.com. You’ll earn a bonus point for using your JetBlue Card on the airline’s website, along with the regular point for every dollar you spend with the card.

Converting TrueBlue points into airfare

Earning up to eight points per dollar can lead to free tickets pretty quickly. Scanning JetBlue.com, I found a sample weekend flight from JFK Airport in New York to San Francisco for just under $480, round trip. I’ll need 35,800 TrueBlue points for the same journey, plus just $5 in taxes and fees. If I just used by JetBlue Card for everyday purchases, that’s about a 1.3 percent rebate, in line with the most popular cash back credit cards.

However, if I’ve been using my JetBlue Card almost exclusively for airfares, I’ll only need to spend $4,475 on JetBlue.com if I want a free coast-to-cost trip. That’s a 10.7 percent rebate, which blows nearly every rewards credit card out of the water, including American Express’s own Blue Sky series. Of course, reward values can vary based on market demand. However, JetBlue promises reward round trips for as few as 10,000 points, making this one of the fastest ways to earn free travel.

Getting more from the JetBlue Card

As with any airline credit card, you’ll only get the most value from the JetBlue Card if you’re willing to make most of your trips on a single carrier. That’s not a hard commitment to keep if you live near one of JetBlue’s hubs. Yet, this American Express credit card carries additional benefits that can make it a valuable addition to your wallet, even if you’re just planning to save your TrueBlue points for occasional leisure travel.

Like other American Express cards, the JetBlue Card comes with purchase protection that will reimburse you for lost, damaged, or stolen merchandise that you replace within 90 days of your original transaction. The JetBlue Card also extends the warranty of most consumer goods for up to a year after the expiration of the manufacturer’s warranty. You’ll even get roadside assistance included with your card, saving you money if you replace similar, paid coverage from another provider.

Seasoned road warriors may notice a few perks lacking from the JetBlue Card. The airline doesn’t operate traditional airport lounges, so you won’t get that popular perk that comes with some Delta or American Airlines cards. On the other hand, JetBlue lets you check your first bag for free, a privilege that many traditional airlines now save for their elite customers or cardholders. With a moderate annual fee and a middle of the road APR, you’ll want to ring up and pay down big balances every month to really make this card pay for itself.

To take advantage of the 10,000 points offer, apply for the JetBlue Card from American Express today. You will need excellent credit in order to be approved, and be aware of the $40 annual fee.

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I try to visit my family on the other side of the country a couple times a year. Most of my family has migrated to the west coast from the east. The migration, at least in my immediate family, began over ten years ago, and more of the clan join the California contingent each year. Having family gives me a nice excuse to travel, though, and I’m trying to visit more often.

Over the last few years I’ve tended to not have real vacations while I travel, and I’m now considering that to be a problem. While away from home, rather than also separating myself from work, I’ve mostly remained connected and involved. As a business owner, I felt I had that responsibility. I hope to change that aspect of my travel this year, and have some thoughts on doing so, but first I wanted to write about my latest flight search experience.

Since beginning regular travel to the west coast several years ago, I’ve noticed my location and destinations generally led to Continental Airlines for the lowest fares — often lower than the recommended JetBlue and Virgin America (whose flights out of New York City tend to be less convenient, anyway.) Southwest is the most popular recommendation I receive, but they don’t fly the routes I travel most often. For a few years, I’ve noticed the good pricing pattern with Continental, and that led to my decision to give into marketing pressure and focus on the Continental frequent flyer program.

Continental Airlines LogoHaving accrued a good number of miles, the airline has succeeded in converting me to a loyal customer, price-checking my flights but usually selecting Continental and United. In just a few days, the merging airlines’ frequent flyer programs will be consolidated, making it theoretically easier to use the miles I’ve accumulated in both programs. My favorite benefit comes from holding the co-branded credit card. Most of the time, I’m able to bypass the long security lines, even when I don’t have a first class ticket. (I’ve only flown first class twice, which I was only able to do by cashing in miles I earned mostly through credit card usage for an upgrade. Paying for a first class ticket is not something I would consider at this point in my life with my finances.)

I could have saved some money by choosing inconvenient flight times. Had I chosen to depart at 7:00 am or fly overnight, I might have spent $50 less on the airfare. For me, traveling is not always about choosing the least expensive options, it’s about convenience and compromises. I’m willing to pay a little extra (in this case about 10% more) for convenience. In fact, if I were able to choose a different week to travel, I could have found flights for a little more than half the cost of the dates I chose. I’m bound to what happens to be a popular week for travel, and prices are higher when flights are in demand.

A few days after my flight was ticketed, I decided to compare prices. I was able to find availability on the same flights on the same days in the same fare class for $10 less than what I paid. That’s a $5 savings per passenger. Obviously, this was not significant enough of a price decrease to warrant changing bookings for a ridiculous $150 fee per ticket (the fee does make sense if you consider it as a disincentive to change flights frequently, but there’s no justification for the fee in a “cost of processing” sense). It did make me consider that the day you book a flight might have an impact on the final price. Saturdays may be expensive while the middle of the week could offer slight discounts.

Checking for the same availability today, I see the fare class I originally booked on the return flight is no longer available, and the total price increased by $300 for two passengers.

Unlike every so-called vacation I’ve taken for the past five years, I’d like to prevent myself from working. I usually fall into the habit of mostly continuing to do business while traveling, and I hope that this year I can begin finding time truly for myself. That’s the plan; I’ll see how it works out.

How to take a real vacation from work

If you run a business or are responsible for a major project, it’s difficult to leave your work behind and trust that any plans you put in place for the work to continue while you’re away.

  • Start planning as soon as you know you’re going to travel to have any necessary responsibilities or tasks handled by someone you trust. This might take some training, so thesooner you can start, the better.
  • Proactively notify your most important contacts, internal and external, particularly anyone who relies on you.
  • If you intend to refrain from answering or reading work-related email, make sure your system sends an automated response to outside contacts informing them of your unavailability and offering options for alternative people to contact.
  • Remove the temptation to check your email or voicemail. If you don’t have your mobile phone or laptop with you, you might find it easier to relax. It won’t be as easy to check in with your coworkers or clients.
  • Realize that the world will not end if you’re not immediately available.

What are your tips for taking a real vacation?

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If you have an airline miles credit card, Capital One is offering the chance for you to double your mileage balance on that card, up to 100,000 miles. The cash value of those 100,000 miles is $1,000, so this is currently one of the best credit card bonus deals available, if miles are important to you. The miles can be cashed in for almost any travel expense, including flights, hotel stays, and car rentals, at a rate of $1 per 100 miles.

Here is how this offer works. Apply for the Capital One Venture Card, one of my current picks for best overall credit cards, and submit proof of your mileage balance on another card with 45 days. Within 90 days of opening the account, spend a total of $1,000.

This amount to be matched is not your mileage balance at the airline; the amount of your matched miles comes from your accumulated points balance with a qualifying credit card. This could be a big drawback and it’s not entirely clear in Capital One’s promotion. Some mileage credit cards convert your credit card points to frequent flyer miles at the end of the month, so you don’t accumulate the credit card miles that would be matched. Thus, if you earn 2,000 miles on your credit card a month and have done so for the past ten months, you might have only 2,000 miles to match rather than 20,000. On the other hand, some cards accumulate the miles and move them to your frequent flyer program only when you instruct the issuer to do so.

These are the qualifying credit cards for which Capital One will match your miles on a one-to-one basis up to 100,000, and the company will match only one of these cards per customer.

  • Alaska Airlines® Visa® Card
  • American Airlines® Card
  • Continental Airlines® Card
  • Delta® SkyMiles® from American Express®
  • Frontier Airlines® MasterCard®
  • Hawaiian Airlines® Visa Card
  • JetBlue® from American Express
  • Spirit Airlines® Free SPIRIT™ MasterCard
  • United Mileage Plus® Visa Card
  • US Airways® Dividend Miles MasterCard
  • Virgin America® Visa Card

You can receive a credit for two other cards, but not on a one-to-one basis. Those cards are AirTran Airways® A+ Visa Card (1,000 Venture miles per A+ Rewards® Credit) and Southwest Airlines® Rapid Rewards® Visa Card (1,200 Venture miles per Rapid Rewards® Credit).

In addition to the miles matching promotion, Capital One will also provide an additional 10,000 bonus miles. This promotion is ending once Capital One has doled out one billion miles, so if this is something you are interested in, keep in mind it will be available only for a limited time.

You may ask how the Capital One Venture Card stacks up among others. It is a Visa Signature card, so you have all the benefits that this level of ownership provides, such as concierge services and access to somewhat exclusive events. You earn two miles for every dollar you spend on the card. There is an annual fee of $59, but it is waived the first year. Almost all Visa Signature cards carry annual fees to offset some of the benefits. There is no 0% APR introductory period; once you carry a balance, you will need to pay between 11.9% and 19.9% APR depending on your credit quality. You’ll need excellent credit to qualify for the card.

Capital One

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Owning an airline miles credit card can come in very handy if you’re a frequent flier, especially if you have a favorite airline. Thankfully, all of the major airlines have partnered with a credit card issuer to offer special deals on their airlines. Citibank is partnered with American, American Express with Delta and JetBlue, and Chase with Continental and United. It’s the United relationship that we’ll feature here, as the United Mileage Plus® Select® Visa Card offers cardholders 30,000 bonus miles and a $50 discount travel voucher, just for signing up and making $250 in purchases.

United Mileage Plus® Select® Visa CardIn addition to the initial bonus offer, the Chase United Mileage Plus® Select® Visa Card provides cardholders the following rewards structure:

  • 3 miles for every $1 spent on United flights
  • 2 miles for every $1 spent on eligible gas, home improvement, grocery, dining and Star Alliance purchases
  • 1 mile for every $1 spent on all other purchases

Other features of the Chase United Mileage Plus® Select® Visa Card include a 13.24% APR on purchases, 19.24% APR on cash advances and 29.99% APR if at anytime you default on your credit card. There is no intro APR and if you are looking to make a balance transfer, the fee is 3%. Owning this card comes at a price, as the Chase United Mileage Plus® Select® Visa Card includes a $95 annual fee.

If you’re a loyal customer of United Airlines, you’ll earn the most bang for your buck when you use the Chase United Mileage Plus® Select® Visa Card to book your flights. The 30,000 bonus points and $50 travel voucher is a limited time offer so visit Chase United application page for more details on this exciting opportunity.

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Spirit Airlines Now Charges for Carry-On Luggage

by Flexo

Just a few days ago, I arrived home from a vacation that took me to Las Vegas and Death Valley. When preparing for the trip, I used SideStep for finding the best fare that fit my schedule, settling on a flight from EWR to LAS on Continental Airlines. My flights were mostly full, so I ... Continue reading this article…

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Delta Airlines: Good Airfare But Not My Favorite Airline

by Flexo

As of this past Saturday, my brother is now a married man. He and his wife live in California, and I spent Halloween attending their wedding and the past week visiting with my family in that state. I am happy I was able to take a week off from my day job and spend it ... Continue reading this article…

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Airline Fees for Checking Bags

by Flexo

Spurred on by Erica Douglas in response to my thoughts about airline fees for checked baggage, here is a list of the fees charged by airlines for traveling with this particular expected service. I should have done this research before embarking on my previous trip to Arizona. I might not have been able to avoid ... Continue reading this article…

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Personal Income Statement, October 2008 (Net Income: $9,074)

by Flexo

Despite the 6 percent decrease in my net worth in October, my income and expenses were healthy. My income was at my expected level for both my salary and “extracurricular” income. October’s expenses were a little higher than expected, but still within an acceptable range. Each month, to accompany my balance sheet, I publish my income ... Continue reading this article…

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