If you apply for a credit card and are not immediately approved, then in most circumstances you should call the bank to discuss your application.

Ask the agent if you could provide any more information about the application.

Your current situation: You heard that there are some cards with lucrative limited time welcome offers. Pretty awesome.

Credit card links have been removed from posts and added to the menu bar at the top of every page of MileValue under the heading Top Travel Credit Cards.

But you haven't redeemed many hotel rewards before and are a little intimidated about where to begin.

Alliant Credit Union has come out with a new cashback credit card that offers 3% cash back on all purchases for the first year of card membership and 2.5% after that.

The only other cards I'm aware of that earn the same or a better cashback rate longterm are limited to a small market. They are the:

USAA Limitless Cashback Rewards card, which earns 2.5% (w/no annual fee) on all purchases. See who's eligible to become a USAA member
Marukai Premium JCB Card which earns 3% on all purchases (w/low $15 annual fee).

We've been seeing tons of affordable economy fares between the United States and Europe.

The card offer described in this post has expired. To see the latest top travel credit cards with big bonuses that will save you tons, check out our Top 10 List for Consumers and Top 10 List for Small Businesses.

The Barclaycard Arrival Plus is a tool every frequent flyer should have in their wallet, especially big spenders and families. In essence, the card earns 2.1% back toward travel on all purchases.

I spend a lot of my time in Airbnb apartments, so saving money on each rentals adds up for me. I've discussed tips to save money on Airbnb before including:

Right now, if you sign up for Airbnb through my referral link, you’ll get $27 off your first stay, and I’ll get $27 off my next stay.

Every day people come to my Award Booking Service with a few hundred thousand Lufthansa miles and want to fly a Business Class award to Europe. Or worse, they come with 20,000 Turkish miles, 20,000 Lufthansa miles, 20,000 United miles, and 20,000 Asiana miles.

The problem is that most people blindly credit the frequent flyer miles they are earning from paid flights to the airline they're flying, racking up the wrong kind of miles for the redemptions they want to make.