The Citi Prestige® Card comes with 40,000 bonus ThankYou Points after $4,000 in purchases made with your card in the first 3 months the account is open.

I will spend over 200 nights this year in Airbnb apartments--here's where I am sleeping in 2015--so three pieces of news about Airbnb caught my eye today.

Most (all?) AMEX cards are offering $50 off a $100 Airbnb purchase made by 12/31/15.
You can use AMEX Membership Rewards to pay for Airbnb stays.
You can earn Virgin America Elevate points for Airbnb stays.

Right now, if you sign up for Airbnb through my referral link, you’ll get $25 off your first stay, and I’ll get $25 off my next stay.

Hilton Gold Status is now a standard benefit of the American Express Platinum Card, Platinum Business Card, and (I assume) Mercedes-Benz and Ameriprise Platinum cards. That's great news for me, since I just got the"regular" Platinum Card with a 100,000 point sign up bonus two months ago.

Hilton Gold Status is not automatic just by holding one of these cards.

Hilton Gold Status is now a standard benefit of the American Express Platinum Card, Platinum Business Card, and (I assume) Mercedes-Benz and Ameriprise Platinum cards. That's great news for me, since I just got the"regular" Platinum Card with a 100,000 point sign up bonus two months ago.

Hilton Gold Status is not automatic just by holding one of these cards.

American Express is offering real FICO scores for free to cardholders. Get yours here. Barclaycard, Citi, and Discover already offer real FICO scores for free to cardholders, so by now everyone who opens rewards credit cards should have free access to their real FICO score.

Your FICO score is the main or one of the main factors in all decisions lenders make about whether to extend you credit, how much, and on what terms. Watch it. Guard it. Keep it high.

American Express christened the Saturday after Thanksgiving, and the day after Black Friday, as Small Business Saturday in 2010. Every year since then, American Express has offered $10 to $30 in statement credits per American Express card for shopping at small businesses on Small Business Saturday. There are probably people who have racked up over $1,000 in free statement credits from American Express in the last five years.

Well this gravy train is over, at least for this year, but I'd guess forever.

The page that shows American Membership Rewards transfer partners seems to require sign in, so I will put the partners and ratios here for those who are considering getting an American Express card and want to see where their points can transfer.

Transfer 80,000 American Express Membership Rewards to 40,000 Virgin America Elevate points by December 31, 2015 and receive top tier Virgin America Gold Status through February 2017.

In addition, if you complete the transfer by October 8, 2015, you will get 25% more Elevate points, so 80,000 Membership Rewards would equal Gold Status plus 50,000 Virgin America points.

Good Deal?
I value Membership Rewards at 2 cents each. I value Virgin America points at 2 cents each.

Many people can get a small business credit card. Opening small business cards roughly doubles the number of amazing miles and points cards available to you.

Every small business credit card I've gotten I opened by putting my social security number as the tax ID, and by saying that my business is a sole proprietorship.

2015 means a new $200 airline fee credit for anyone with an American Express Platinum card.