a&o traveller card

The highest cash-back credit card with no annual fee

How the freedom flex works, how much could you earn, what happens once the rewards rotate, push your rewards even higher with the chase sapphire preferred or reserve, the bottom line, the chase freedom flex just became spring’s best travel card.

This card's rotating categories hit the sweet spots to potentially help you earn up to $320 on your next trip.

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

Tiffany Connors

Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

There are a lot of great travel credit cards you could bring with you on your spring trips, but few have the same breadth as the Chase Freedom Flex℠ *. 

The card has potentially the highest cash-back rates when you activate on two of the best parts of traveling: food and board. It doesn’t charge an annual fee, either, helping you maximize your savings.

But you’ll need to act quickly. These rewards will only last through June 2024.

Chase Freedom Flex℠

What makes the card’s current offer so enticing is its unparalleled cash back rate at restaurants and hotels -- so long as you can book the latter through Chase Travel℠. 

The Freedom Flex typically offers 3% cash back at restaurants, but combined with its rotating 5% cash back (on the first $1,500 spent in quarterly combined purchases, then 1%) bonus categories when you activate, the Freedom Flex boosts that number to 7% cash back.

And, since the card earns 5% cash back for travel booked through Chase Travel already, combined with its current 5% cash back offering for hotels, you could earn 9% cash back on your hotel booking if you can make it through Chase. 

The math doesn’t quite add up -- if you earn 3% cash back on dining at restaurants and the bonus categories typically earn 5% cash back, shouldn’t that be 8% cash back on dining?

Here’s a breakdown of how Chase explained the rewards rates:

• Hotels booked through Chase: Earn 4% cash back from rotating rewards and 5% back from the standard bonus category -- 9% cash back total .
• Hotels booked directly: Earn 4% cash back from rotating rewards and 1% from the card’s base rate -- 5% cash back total .
• Restaurants: Earn 4% cash back from rotating rewards and 3% from the standard category -- 7% cash back total .
• Amazon.com: Earn 5% cash back from rotating rewards.
• Drug stores: Earn 3% cash back from the standard bonus category.
• All other purchases: Earn 1% cash back.

However, there are a few caveats. First, these rates won’t last -- the Freedom Flex only offers 5% cash back at Amazon.com, hotels and restaurants when you activate from April to June 2024.

Second, the rotating reward category has a spending cap of $1,500 in combined quarterly purchases. So once you hit that limit, your restaurant rewards will fall to 3%, your Amazon.com purchases will fall to 1%, and your hotel rewards rate will fall to 5% for hotels booked through Chase Travel and 1% for hotels booked directly through the hotel brand.

The Chase Freedom Flex offers rotating rewards that change quarterly , or about every three months. Its current rotating bonus categories cover purchases made at Amazon.com, hotels and restaurants. Keep in mind you’ll need to manually activate these rewards each time they change.

Luckily, you can set alerts to inform you when it’s time to activate. And, if you do forget, you can still activate by June 14, 2024. You’ll even earn retroactive rewards for any purchases made in the featured categories before you activated -- something that gives this card an edge over the Discover it® Cash Back* .

In addition to its rotating rewards, the Freedom Flex offers a few static bonus categories. These categories cover restaurants, drug stores and travel booked through Chase.

With its spending cap of $1,500 in combined purchases, you could earn a total of $75 across the quarter at the 5% cash-back rate when you activate, before it falls to 1%. 

However, even once you hit that cap, you’ll still earn 5% cash back on hotels booked through Chase and 3% cash back at restaurants, which is among the best rates found on a cash-back credit card with no annual fee .

As an example, suppose you spent $750 on both your hotel and restaurants, making a combined total of $1,500, the Freedom Flex’s spending cap:

You could earn upwards of $120. Remember, these are merely estimates. How you spend might not be an even split, so your rewards could look different.

The Freedom Flex also features a welcome bonus -- you can earn $200 after you spend $500 on purchases in your first three months from account opening. Based on the example above, you’d hit the required spending threshold, adding another $200 to your rewards. That totals $320, which should be enough to help cover some part of your travel, whether it’s a night at a fancy hotel, your rental car or a good dinner out.

Once the Freedom Flex’s bonus categories change on July 1, you’ll still have a powerful rewards credit card to use for whichever purchases Chase decides to feature next. Past categories have included Target, fitness memberships, groceries and gas, among others.

Chase offers the opportunity to increase how much your rewards are worth by pooling them with other credit cards in its Chase Ultimate Rewards family.

You could earn the Chase Freedom Flex’s higher cash-back rates, for example, and then pool your rewards with either the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® .

Note that both of those credit cards charge an annual fee , the Preferred comes in at $95 and the Reserve at $550. However, they both offer annual travel credits that help soften the blow of their fees. They have two other great perks -- a 1:1 point transfer rate to Chase’s hotel and airline partners , as well as a 25% and 50% point redemption bonus respectively for travel booked through Chase Travel.

It’ll take a bit more work, and an additional credit card, but if you can use the Chase Trifect strategy , you could increase the return you earn on your travel spending exponentially.

If you’ve got travel plans this spring, you should consider adding the Chase Freedom Flex to your card collection. 

Even if you don’t want to take the extra step of using it in tandem with a Chase Sapphire card, it’ll be a rewarding and inexpensive choice. You might even earn an extra $320 to spend on your travels.

*All information about the Chase Freedom Flex and Discover it   Cash Back has been collected independently by CNET and has not been reviewed by the issuer.

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

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Find the best credit card for you

5 best credit cards that offer pre-approval or pre-qualification in 2024, pre-approval doesn't guarantee approval, but it can help you avoid an unnecessary hard pull on your credit..

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

When you apply for a credit card, the issuer performs what is known as a hard pull or hard inquiry , which shows up on your credit report. Hard pulls temporarily lower your credit score, which isn't the end of the world, but it's better to avoid racking up unnecessary hard inquiries since they can remain on your credit report for up to two years. One way to do this is by going through a card issuer's pre-approval or pre-qualification process before applying.

Getting a pre-approved offer for a credit card doesn't guarantee you'll be approved, but it can give you a better idea of your approval odds with no hard inquiry. There is no impact to your credit score until you formally apply.

Not every card issuer offers pre-approvals. Below, CNBC Select details the top credit cards that generally offer pre-approval or pre-qualification and how they work. (See our methodology for more information on how we made this list.)

Best credit cards for pre-approval

• Best for no annual fee: Wells Fargo Active Cash® Card
• Best for balance transfers: Citi Double Cash® Card
• Best for travel rewards: American Express® Gold Card
• Best for cash-back:   Discover it® Cash Back
• Best for premium perks: Capital One Venture X Rewards Credit Card (see rates & fees )

Best for no annual fee

Wells fargo active cash® card.

Unlimited 2% cash rewards on purchases

Welcome bonus

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers; balance transfers made within 120 days qualify for the intro rate

Regular APR

20.24%, 25.24%, or 29.99% Variable APR on purchases and balance transfers

Balance transfer fee

3% intro for 120 days from account opening then BT fee of up to 5%, min: $5

Foreign transaction fee

Credit needed.

Excellent/Good

See rates and fees , terms apply.

• Unlimited cash rewards
• $200 cash rewards welcome bonus
• No annual fee
• Introductory APR period for first 15 months
• Access to Visa Signature® Concierge
• Get up to $600 cell phone protection (subject to a $25 deductible)
• 3% fee charged on foreign transactions

Who's this for? The Wells Fargo Active Cash® Card (see rates and fees ) is a jack of all trades, with an easy-to-earn welcome bonus , generous intro-APR offer and a lucrative flat-rate rewards structure — all for no annual fee .

Standout benefits: This card earns unlimited 2% cash rewards on every purchase. This simple cash-reward rate takes the headaches out of maximizing the return you get on your credit card spending.

Wells Fargo pre-approval process: Fill out this Wells Fargo pre-qualification form with your name, address and the last four digits of your Social Security Number (SSN). If you have a Wells Fargo online account, you can log in to expedite the process.

[ Jump to more details ]

Best for balance transfers

Citi double cash® card.

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

0% for the first 18 months on balance transfers; N/A for purchases

19.24% - 29.24% variable

For balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies

Fair/Good/Excellent

Read our Citi Double Cash® Card review.

• 2% cash back on all eligible purchases
• Simple cash-back program that doesn't require activation or spending caps
• One of the longest intro periods for balance transfers at 18 months
• 3% fee charged on purchases made outside the U.S.
• Estimated rewards earned after 1 year:  $443
• Estimated rewards earned after 5 years: $2,213

Who's this for? The Citi Double Cash® Card is ideal for those seeking a strong introductory APR offer for balance transfers and still want to earn valuable rewards.

Standout benefits: Eligible balance transfers qualify for an intro 0% APR for the first 18 months, then a variable 19.24% to 29.24% APR applies. There is an intro balance transfer fee of 3% of each transfer completed in the first four months ($5 minimum). The standard balance transfer fee of 5% of each transfer ($5 minimum) applies thereafter.

Citi pre-approval process: See what Citi credit card offers you're pre-qualified for with this form . Enter your name, email, address and the last four digits of your SSN.

Best for travel rewards

American express® gold card.

4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Not applicable

See Pay Over Time APR

Read our American Express® Gold Card review .

• Up to $120 dining credit annually ($10 a month) for purchases made with Grubhub, Goldbelly and other eligible restaurants (after a one-time enrollment)
• Up to $120 Uber Cash annually ($10 a month) for U.S. Uber Eats orders and U.S. Uber rides (card must be added to Uber app to receive the Uber Cash benefit)
• Strong rewards program with 4X points earned at restaurants and 3X points earned on flights booked directly with airlines or amextravel.com
• Baggage insurance plan covers up to $1,250 for carry-on baggage and up to $500 for checked baggage that is damaged, lost or stolen
• No fee charged on purchases made outside the U.S.
• No introductory APR period
• $250 annual fee
• Estimated rewards earned after 1 year: $1,074
• Estimated rewards earned after 5 years: $2,969

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? The American Express® Gold Card is great for earning travel rewards thanks to its generous bonuses on common spending categories like dining and groceries.

Standout benefits: Cardholders get up to $120 in annual dining credit (up to $10 per month at Grubhub , Goldbelly, The Cheesecake Factory and other participating restaurants; enrollment is required) and up to $120 in Uber Cash ($10 per month) to put toward rides in the U.S. and dining via Uber Eats (you must add your Amex Gold Card as a payment method in the Uber app to enroll).

American Express pre-approval process: See what American Express card offers you may be eligible for by filling out this form with your name, address, last four digits of your SSN and your annual income. If you already have an Amex account, you may need to open the form in incognito mode or clear your browser's cache to access the page.

Best for cash-back

Discover it® cash back.

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.

Discover will match all the cash back earned for all new cardmembers at the end of your first year.

0% for 15 months on purchases

17.24% to 28.24% Variable

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Good / Excellent

* See rates and fees , terms apply.

Read our Discover it® Cash Back review.

• Cash-back program
• Generous welcome bonus
• Cash-back categories must be activated each quarter
• Cash-back program limits earnings: Enroll every quarter to earn 5% cash back in various categories on up to $1,500 in quarterly purchases, then 1%

Who's this for? The Discover it® Cash Back is a relatively easy-to-get cash-back card with no annual fee and useful rotating bonus categories .

Standout benefits: This card has a unique welcome offer that can supercharge your cash-back earnings. Discover will match the cash back new cardholders earn in the first year. So, purchases that qualify for 5% cash back would effectively earn 10% back in your first year. Plus, the card has no foreign transaction fees.

Discover pre-approval process: Fill out this Discover credit card pre-approval form with your name, address, date of birth, housing payment, student status and gross income to see what offers you're eligible for. If you don't qualify for an unsecured card, you may want to consider a secured credit card such as the Discover it® Secured Card which doesn't require a credit score.

Best for premium perks

Capital one venture x rewards credit card.

Unlimited 2X miles on all eligible purchases, and 5 Miles per dollar on flights and 10 Miles per dollar on hotels and rental cars when booked via Capital One Travel portal

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

19.99% - 29.99% variable APR

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Foreign transaction fees

Read our Capital One Venture X Rewards Credit Card review.

• Large welcome bonus
• No foreign transaction fees
• Up to $100 statement credits for either Global Entry or TSA PreCheck®
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• High annual fee
• No introductory 0% APR period

Who's this for? The Capital One Venture X Rewards Credit Card is geared towards those seeking luxury benefits like airport lounge access, annual travel credits, various travel and shopping protections and more.

Standout benefits: Every year, Capital One Venture X Card members receive up to $300 in travel credits for bookings made through Capital One Travel and 10,000-anniversary bonus miles (worth $100 in travel). Those two benefits alone can offset the card's $395 annual fee (see rates and fees ).

Capital One pre-approval process: You can see what Capital One cards you're pre-approved for by filling out this form . You'll need to enter your name, address, email address, phone number, employment status, education, income, housing payment, date of birth, SSN and what type of bank accounts you have.

More on our top credit cards that offer pre-approval or pre-qualification

The  Wells Fargo Active Cash® Card  is a no annual fee card that can help you earn cash rewards, while enjoying various money-saving benefits.

• Unlimited 2% cash rewards on all purchases

Earn $200 in cash rewards after spending $500 in purchases in the first three months of account opening.

Notable perks

Cardholders can take advantage of cell phone insurance when they pay their monthly bill with the card. This insurance covers damage, theft and loss of a cell phone and has a $25 deductible. You can be reimbursed for up to two claims per 12 months and up to $600 per claim.

Cardholders can also save on interest with the card's intro-APR offer. Purchases and eligible balance transfers qualify for an intro 0% APR for 15 months. then a variable 20.24%, 25.24% or 29.99% applies. To qualify for the intro APR, balance transfers must be completed within 120 days of opening the account. There is an intro balance transfer fee , and for the first 120 days you'll pay 3% of the amount of each transfer ($5 minimum). After the intro period, the balance transfer fee increases to 5% of the amount of each transfer ($5 minimum).

[ Return to card summary ]

The Citi Double Cash® Card is a cash-back credit card , but it earns cash back in the form of Citi ThankYou points , which which can be redeemed in lots of ways, including the option to transfer them to travel partners.

• 5% total cash back on Citi travel bookings (through Dec. 31, 2024)
• 2% cash back on all purchases: 1% back when you buy and 1% back as you pay

Earn a $200 cash bonus after spending $1,500 on purchases in the first six months of account opening.

The ThankYou® points can be redeemed for cash back, gift cards and travel at a rate of one cent per point. Cardholders also have access to a small number of Citi's travel partners, including Wyndham, Choice and JetBlue. If you have a Citi card that enables full transfers, such as the Citi Premier® Card , you can combine the points you earn with your Double Cash and then transfer those points to all of Citi's partner hotel and airline loyalty programs.

There are also several special cardmember programs, including Citi Entertainment℠, which gives cardholders first access to purchase tickets for thousands of concerts and events. The card also provides access to Citi® Identity Theft Solutions, a service that will help you if you're a victim of identity theft.

The American Express® Gold Card is a travel rewards card with a long list of benefits that can easily make the annual fee worth paying (see rates and fees ). Plus, the Amex Membership Rewards points you earn with this card are some of the most valuable travel points out there since they can be transferred to a variety of airline or hotel partners.

• 4X points at restaurants (plus takeout and delivery in the U.S.)
• 4X points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
• 3X points on flights booked directly with airlines or on Amextravel.com
• 1X points on all other purchases

Earn 60,000 points after you spend $6,000 on eligible purchases within the first six months of card membership.

$250 (see rates and fees )

Cardholders receive up to $120 in dining credit per year ($10 per month) at participating partners and up to $120 in Uber Cash per year ($10 per month) after you add your Amex Gold Card as a payment method in the Uber app. The card also offers no foreign transaction fees (see rates and fees ), baggage insurance, rental car coverage (secondary), extended warranty, purchase protection and trip delay insurance .

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

The Discover it® Cash Back is a no-annual-fee cash-back rewards card that allows you to earn a generous 5% back on rotating spending categories.

• 5% cash back on the first $1,500 in purchases in rotating categories each quarter (when you activate), then 1% cash back. Check out Discover's 5% cash-back calendar .
• 1% cash back on all other purchases

Discover will match the cash back you earn at the end of the first year.

New card members receive an intro 0% APR for 15 months on purchases and eligible balance transfers, then a variable 17.24% to 28.24% applies. An intro balance transfer fee of 3% of the amount you transfer applies to eligible transfers. The standard transfer fee on future balance transfers is up to 5% of the amount of each transfer. (See rates and fees )

The card charges $0 in  foreign transaction fees , which can save you money when traveling abroad.

The Capital One Venture X Rewards Credit Card (see rates and fees ) is a premium credit card with a straightforward rewards structure, a long list of benefits and a lower annual fee than other high-end cards with similar features.

• 10X miles per dollar on hotels and rental cars booked through Capital One Travel portal
• 5X miles per dollar on flights booked through Capital One Travel
• 5X miles on Capital One Entertainment purchases (through Dec. 31, 2025)
• 2X miles on all other purchases

Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

In addition to the annual $300 Capital One Travel credit and 10,000 anniversary bonus miles, the Capital One Venture X Card comes with airport lounge access for the primary cardholder and authorized users. One great feature of this card is that you can add up to four authorized users for free and each cardholder gets access to Priority Pass lounges, Plaza Premium Lounges and Capital One Lounges .

Other benefits include:

• Hertz Presidents Circle status (enrollment required)
• Global Entry/TSA PreCheck® application fee credit (worth up to $100)
• Cell phone protection
• Visa Infinite Concierge
• Rental car collision damage waiver (primary)
• Trip cancellation and interruption coverage
• Trip delay reimbursement
• Lost luggage reimbursement
• Extended warranty protection
• Return protection
• Purchase security

What's the difference between a pre-approval and a pre-qualification?

The terms pre-approval and pre-qualification both refer to the card issuers' pre-screening process that can help you determine whether you'll qualify for a credit card without a hard pull on your credit reports. Prequalified offers are typically initiated by consumers who want to check their approval odds, while preapproved offers are generally unsolicited offers from card issuers.

Does pre-approval or pre-qualification result in a hard credit pull?

Most credit card pre-approvals do not result in a hard pull of your credit. Some issuers require a Social Security Number (SSN) or the last four digits of your SSN to process a pre-approval, but this is generally done to verify your identity and shouldn't result in a credit check unless otherwise stated.

Does pre-approval guarantee approval?

If you qualify for a pre-approved credit card or receive a pre-screened offer in the mail, that does not guarantee you'll be approved. Your credit score, income and history with the card issuers are all taken into account, but won't be fully reviewed unless you submit a traditional card application.

Bottom line

Getting a pre-approved, pre-qualified or pre-screened credit card offer doesn't guarantee you'll get approved for the card if you apply. However, seeing whether you're pre-approved for a card offer is easy and typically doesn't require a hard credit pull. So it doesn't hurt to explore what offers you may qualify for.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best business credit cards for LLCs.

Our methodology

To determine which business cards offer the best value and pre-approval, CNBC Select analyzed the most popular credit cards available to U.S. consumers that also had a publicly available pre-approval or pre-qualification process at the time of writing. We compared each card on a range of features, including the annual fee, employee card fee, rewards, welcome bonus, introductory and standard APR and foreign transaction fees. We also considered additional perks, the application process and how easy it is to redeem points.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

For rates and fees of the American Express® Gold Card, click  here .

For rates and fees of the   Discover it® Cash Back, click here .

For rates and fees of the Wells Fargo Active Cash® Card, click here .

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• Sustainability
• Small Business
• Mastercard launches mobile virtual card app to simplify travel and business expenses

HSBC and Westpac to unlock the convenience, security and efficiency of tap to pay transactions   

Mastercard announced a new mobile virtual card app that enables virtual commercial cards to be seamlessly added to digital wallets. The innovative app is designed to offer financial institutions more choice in how they deliver the secure and sustainable contactless payment solutions that companies increasingly expect.  

For over a decade, Mastercard has pioneered virtual card solutions to simplify tedious expense report and reconciliation processes for employees, contractors, recruits, and consultants who often use personal cards or cash for reimbursable business expenses. As companies navigate changing payment preferences particularly from the entry-level workforce – with over two-thirds of millennials having adopted digital wallets 1 – mobile technology is unlocking the next frontier of convenient contactless payments.   

“Businesses worldwide are seeking fast and secure payment experiences, where payments can be made with just a click or tap, and finance teams can experience automatic reconciliation,” said Chad Wallace, global head of Commercial Solutions, Mastercard. “With today’s launch, we’re providing innovative tech that digitizes business and travel expenses, while also empowering businesses with more control of and visibility into their finances.”  

The app leverages Mastercard’s innovative virtual card and tokenization platforms, enhanced data, and robust spend controls all within one easy-to-use interface. Accessing Mastercard mobile virtual cards is made seamless through the app so users can quickly experience the benefits of tap to pay. Mastercard mobile virtual cards can be used by organizations spanning a range of sizes and industries – including healthcare, insurance, fleet, higher education, and corporate travel.  

Key capabilities and benefits of Mastercard’s mobile virtual card app include:  

• Increased security : The app offers the ability to set up a biometric authentication and an added security measure using a PIN to view card details. Each virtual card is also tokenized, enabling the cardholder’s sensitive data to be replaced by a unique card number so sensitive account details are not exposed.  
• Robust spend controls: Organizations can confidently stay compliant with expense policies using Mastercard’s transaction-level controls, which limit how, where, and when a mobile virtual card can be used. 
• Flexible integrations: Financial institutions can quickly get to market through Mastercard’s user interface or flexible API-based integrations, and offer unique features such as customized card art.  
• Holistic and seamless payment experience: The app provides a single interface to check the status of card balances and view pending and completed transactions, and is bank-agnostic, enabling users to access and manage virtual commercial cards issued by multiple participating financial institutions.  
• Real-time and enhanced data: For each mobile virtual card created, custom data elements are automatically captured and matched to the transaction, providing organizations with increased insights into spending and automatic reconciliation to optimize back-office processes. 

HSBC Australia and Westpac will be the first financial institutions to offer organizations and corporate customers mobile wallet functionality through the Mastercard app.    

“We’re pleased to partner with Mastercard to bring mobile wallet virtual cards to our Australian corporate clients, providing them with a smarter, safer, and faster way to pay,” said John Scott, Head of Global Payments, HSBC Australia. “Mobile wallet usage is growing, with the Asia-Pacific region accounting for over half of the digital payment transactions globally 2 . As contactless payments continue to surge, it’s important that corporate clients have access to best-in-class payment solutions to keep their business secure and take advantage of the increased efficiency offered by the latest technologies. HSBC has a history of delivering innovative digital solutions to our corporate clients, and we’re proud to add to that legacy with the launch of mobile wallet virtual cards in Australia. We plan to launch in other markets later this year.” 

“Westpac is pleased to be one of the first domestic banks in Australia to offer the new Mastercard mobile virtual card app to our corporate and commercial customers in addition to our existing virtual card capabilities. The global payments market is at an inflection point and the mobile wallet solution, combining digital innovation, real time processing and security through robust controls is another way we’re helping our customers,” said Jeff Byrne, Managing Director of Global Transaction Services at Westpac Institutional Bank. 

The app will be available in other key markets for users with a commercial virtual card issued through an organization by a participating financial institution. Once registered for the app with an invitation code, users will find their commercial virtual cards automatically linked and ready to be added to select digital wallets for use across Mastercard’s trusted global network.  

For more information on other ways Mastercard is simplifying commercial payments, click here .  

1 PYMNTS Research: “Mobile Wallet Challenge: Replacing Physical With Digital,” (April 2023)  

2 “Global Mobile Payment Methods 2024 Report” (January 2024)  

Disclaimers:  

Mastercard In Control Pay app and features are available only for eligible virtual card accounts issued by the financial institution. Prepaid Cards and Consumer Cards are not eligible. The virtual card(s) are not issued by Mastercard and is (are) subject to the terms and conditions of the relevant issuer.  

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About Mastercard (NYSE: MA)

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

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All frequent flyer statuses compared.

You can achieve frequent flyer status by earning Points, Qualifying Points and HON Circle Points. This will not only make your travel even more pleasurable, you will also enjoy numerous advantages. For frequent flyers, there are various statuses that come with different benefits: Frequent Traveller, Senator and HON Circle Member .

Achieve frequent flyer status with Points

The new status programme: simple and transparent.

A summary of the most important benefits

Achieving status and benefits when collecting miles.

Points are credited for flights operated by Air Dolomiti, Austrian Airlines, Brussels Airlines, Croatia Airlines, Discover Airlines, Eurowings, LOT Polish Airlines, Lufthansa, Luxair, SWISS and the Star Alliance airlines. You earn Qualifying Points on flights operated by Air Dolomiti, Austrian Airlines, Brussels Airlines, Croatia Airlines, Discover Airlines, Eurowings, LOT Polish Airlines, Lufthansa, Luxair and SWISS. Points and Qualifying Points are credited for journeys with Austrian AIRail, Lufthansa Express Rail or SWISS Air Rail. A maximum number of Qualifying Points earned on train journeys is defined for achieving each status. The maximum thresholds are: 160 Qualifying Points for Frequent Traveller status and 500 Qualifying Points for Senator status.

HON Circle Points are credited for flights in Business and First Class operated by Air Dolomiti, Austrian Airlines, Brussels Airlines, Croatia Airlines, Discover Airlines, LOT Polish Airlines, Lufthansa, Luxair and SWISS as well as for flights that fall within the scope of the BIZclass fare offer at Eurowings. HON Circle Points are credited for journeys with Austrian AIRail, Lufthansa Express Rail or SWISS Air Rail, provided the journey is in Business Class. There is a defined maximum limit of HON Circle Points taken into account for achieving HON Circle status: 1,000 HON Circle Points.

As a Frequent Traveller, Senator or HON Circle Member, you benefit from an Executive Bonus when earning miles. When calculating the miles based on the airfare (fare-based system), the bonus is 25% on flights with Brussels Airlines, Discover Airlines, Eurowings, Luxair and other Miles & More airline partners, or 50% on flights with Air Canada, Air Dolomiti, All Nippon Airways, Austrian Airlines, Croatia Airlines, LOT Polish Airlines, Lufthansa, SWISS and United Airlines. When calculating the miles according to the flight distance and booking class (booking class system), the bonus is always 25% on flights with Air Canada, Air Dolomiti, All Nippon Airways, Austrian Airlines, Brussels Airlines, Croatia Airlines, Discover Airlines, Eurowings, LOT Polish Airlines, Lufthansa, Luxair, SWISS and United. The Travel Calculator allows you to calculate the expected miles per flight. More information about calculating miles can be found here .

Benefits when booking flights and upgrades

As a Senator, you will receive two upgrade vouchers upon qualification or renewal. As an HON Circle Member, you will receive four upgrade vouchers, which are credited electronically. The eVouchers are valid for 24 months and can be used to upgrade to a higher travel class. The eVouchers can be redeemed online, via the Miles & More Service Centre or at the airport. Please note that upgrades from certain booking classes of Economy, Premium Economy and Business Class are not possible.

The waiting list priority for Frequent Travellers and Senators applies on all flights operated by Star Alliance airlines, but not on upgrades and award bookings. The waiting list priority for HON Circle Members applies on all flights operated by Austrian Airlines, Brussels Airlines, Discover Airlines, LOT Polish Airlines, Lufthansa and SWISS, but not on upgrades and award bookings.

a) In Business Class on scheduled flights operated by Austrian Airlines, Brussels Airlines, Lufthansa and SWISS in booking class J. On Croatia Airlines and LOT Polish Airlines in booking class C. In Premium Economy Class on Austrian Airlines and Lufthansa, the booking guarantee can be used in class G. In Economy Class on scheduled flights operated by Austrian Airlines, Brussels Airlines, Lufthansa and SWISS in booking class Y. On flights operated by LOT Polish Airlines, the booking guarantee applies in Premium Economy Class in booking class P and in Economy Class in booking class Y. Austrian Airlines: no booking guarantee available on Austrian myHoliday flights with flight numbers 4,000 to 4,200 and 9,000 to 9,999.

b) In Business Class on scheduled flights operated by Austrian Airlines, Brussels Airlines, Discover Airlines, Lufthansa and SWISS in booking class J. On Croatia Airlines and LOT Polish Airlines in booking class C. In Premium Economy Class on Austrian Airlines, Discover Airlines and Lufthansa, the booking guarantee can be used in class G. In Economy Class on scheduled flights operated by Austrian Airlines, Brussels Airlines, Discover Airlines, Lufthansa and SWISS in booking class Y. On flights operated by LOT Polish Airlines, the booking guarantee applies in Premium Economy Class in booking class P and in Economy Class in booking class Y. Austrian Airlines: no booking guarantee available on Austrian myHoliday flights with flight numbers 4,000 to 4,200 and 9,000 to 9,999.

As a Senator or HON Circle Member, you can reserve a seat free of charge on flights operated by Austrian Airlines, Brussels Airlines, Discover Airlines, Lufthansa and SWISS in all booking classes (except for “Economy Light” fares on short-haul flights).

Benefits during travel

Frequent Travellers travelling in Economy Class on a scheduled flight operated by a Star Alliance airline or Eurowings on SMART, BEST or BIZclass fares can enjoy their stay at the airport in one of the Austrian Airlines, Lufthansa or SWISS Business Lounges, as well as the lounges of Brussels Airlines. Access to the LOT Business Lounge is available for Frequent Travellers in Economy Class on scheduled flights operated by Austrian Airlines, Brussels Airlines, Croatia Airlines, LOT Polish Airlines, Lufthansa or SWISS.

For access to the Senator Lounge, your Senator card is required plus a boarding pass valid for the date and place of departure on a flight operated by Austrian Airlines, Discover Airlines, Lufthansa, SWISS or codeshare partners, a flight on the Eurowings SMART, BEST or BIZclass fares or a Star Alliance flight. For access to Star Alliance partners’ Star Gold Lounges, your Senator card is required and a boarding pass valid for the date and place of departure on a Star Alliance flight. You can bring one guest with you free of charge. In Lufthansa lounges, you can also be accompanied by your children under 18 years. For access to the Senator Lounges and Business Lounges, the accompanying guest(s) must travel on the same flight, and they must enter and leave the lounge together with the person who invited them. Senators do not have lounge access with a boarding pass for a domestic or international short or medium-haul flight with the BASIC fare from Eurowings.

Access with an HON Circle Member card and a boarding pass valid for the date and place of departure for a flight operated by Lufthansa, Discover Airlines or Star Alliance. In Vienna: access with an HON Circle Member card and a boarding pass valid for the date and place of departure on a scheduled flight booked and operated by Austrian Airlines, Lufthansa, SWISS and LOT Polish Airlines. HON Circle Members do not have lounge access with a boarding pass for a domestic or international short or medium-haul flight with the BASIC fare from Eurowings.

On scheduled flights operated by Air Dolomiti, Austrian Airlines, Brussels Airlines, Croatia Airlines, Discover Airlines, Eurowings, LOT Polish Airlines, Lufthansa, Luxair and SWISS.

Only available at selected airports. You will find further information here .

Subject to availability.

Baggage benefits

On scheduled flights operated by Adria Airways, Austrian Airlines, Croatia Airlines, Discover Airlines, Lufthansa and SWISS, the following applies: 2 bags up to 23 kg (Economy), 2 bags up to 23 kg (Premium Economy), 2 bags up to 32 kg (Business) or 3 bags up to 32 kg (First). The additional free baggage or golf bag allowance is no longer available on the Light fare in Economy Class on European and intercontinental flights operated by Austrian Airlines, Lufthansa and SWISS. The additional free baggage or golf bag allowance is no longer available on the FlyEasy fare in Economy Class on scheduled flights operated by Croatia Airlines. The following applies on flights operated by Brussels Airlines: 0 bags (Check&Go, short-haul flights), 2 bags up to 23 kg (Light&Relax und Flex&Fast, short-haul flights and Economy Class, Premium Economy, long-haul flights to/from the USA and Tel Aviv), 3 bags up to 23 kg (Economy Class, long-haul flights to/from Africa), 2 bags up to 32 kg (Bizz&Class, short-haul flights and Business Class, long-haul flights). The following applies on flights operated by LOT Polish Airlines: 1 bag up to 23 kg (LOT Economy Saver Class and LOT Economy Flex Plus Class, short-haul flights), 1 bag up to 23 kg (LOT Economy Saver Class, long-haul flights), 2 bags up to 23 kg (LOT Economy Flex Plus Class, long-haul flights), 2 bags up to 23 kg (LOT Economy Class, short and long-haul flights), 2 bags up to 23 kg (LOT Premium Economy Class, long-haul flights), 1 bag up to 23 kg (LOT Business Flex Plus Class, short-haul flights), 2 bags up to 32 kg (LOT Business Class, short-haul flights) and 3 bags up to 32kg (LOT Business Class, long-haul flights). On flights operated by Luxair, the following applies: 1 additional bag up to 23 kg or 1 piece of golf equipment (Economy), 1 additional bag up to 32 kg or 1 golf bag (Business).

The carriage of additional free baggage or a golf bag is not free of charge for HON Circle Members, Senators or Frequent Travellers. This includes Star Alliance Gold Members who are travelling on the Light fare on European or intercontinental Economy Class flights operated by Austrian Airlines, Discover Airlines, Lufthansa or SWISS, or with Check&Go with Brussels Airlines or with myAustrian Holidays. A fee is payable for every item of checked baggage by all passengers who use the Light or Check&Go fare, irrespective of their status.

Additional free baggage allowance on flights operated by Star Alliance airlines.

On scheduled flights operated by Adria Airways, Austrian Airlines, Discover Airlines, Lufthansa, Luxair and SWISS, the following applies: 2 bags up to 23 kg (Economy), 3 bags up to 23 kg (Premium Economy), 3 bags up to 32 kg (Business), 4 bags up to 32 kg (First). The additional free baggage or golf bag allowance is no longer available on the Light fare in Economy Class on European and intercontinental flights operated by Austrian Airlines, Lufthansa and SWISS. The following applies on flights operated by Air Dolomiti: 1 additional bag in all travel classes. The following applies on flights operated by Avianca: 2 bags up to 23 kg and 1 additional bag up to 20 kg (Economy Class), 2 bags up to 32 kg and 1 additional bag up to 20kg (Business Class). The following applies on flights operated by Brussels Airlines: 0 bags (Check&Go, short-haul flights), 2 bags up to 23 kg (Light&Relax und Flex&Fast, short-haul flights and Economy Class, Premium Economy, long-haul flights to/from the USA and Tel Aviv), 3 bags up to 23 kg (Economy Class, long-haul flights to/from Africa), 3 bags up to 32 kg (Bizz&Class, short-haul flights and Business Class, long-haul flights). The following applies on flights operated by LOT Polish Airlines: 1 bag up to 23 kg (LOT Economy Saver Class and LOT Economy Flex Plus Class, short-haul flights), 1 bag up to 23 kg (LOT Economy Saver Class, long-haul flights), 2 bags up to 23 kg (LOT Economy Flex Plus Class, long-haul flights), 2 bags up to 23 kg (LOT Economy Class, short and long-haul flights), 3 bags up to 23 kg (LOT Premium Economy Class, long-haul flights), 1 bag up to 23 kg (LOT Business Flex Plus Class, short-haul flights), 3 bags up to 32 kg (LOT Business Class, short-haul flights) and 4 bags up to 32kg (LOT Business Class, long-haul flights).

On flights operated by Star Alliance airlines at the maximum weight for the relevant travel class.

Depending upon the airline partner concerned, special conditions/restrictions may apply.

Weight allowance: charter flights are excluded from this provision. Item concept: in addition to all current free baggage allowances on all scheduled flights operated by Austrian Airlines, Brussels Airlines, Croatia Airlines, Discover Airlines, LOT Polish Airlines, Lufthansa and SWISS (with the exception of North Atlantic routes). The golf bag may not weigh more than 23 kg. The carriage of additional free baggage or a golf bag is not free of charge for HON Circle Members, Senators or Frequent Travellers. This includes Star Alliance Gold Members who are travelling on the Light fare on European or intercontinental Economy Class flights operated by Austrian Airlines, Lufthansa or SWISS, or with Check&Go from Brussels Airlines. A fee is payable for every item of checked baggage by all passengers who use the Light or Check&Go fare, irrespective of their status.

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• Best Credit Card Offers For Australians

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Our Pick Of The Best Credit Card Offers For Australians In April 2024

Updated: Apr 16, 2024, 10:26am

If you’re on the hunt for a credit card, there is no shortage of offers to entice you—often with same-day approval. Whether it be balance transfer offers, frequent flyer bonus points on sign-up or low interest rate cards, there are myriad choices on the market to suit a wide variety of spending habits, needs and wants.

The first question you need to ask yourself is whether you are able to pay off a new credit card in full each month. Credit cards can be a trap if not used widely, and one that many Australians are increasingly reliant on as the cost-of-living crisis continues to eat into household budgets.

If you are able to manage your money and the responsibilities of a credit card, it’s important that you shop around to find a credit card offer that suits your needs.

Here’s what you should know.

Note: The list below represents a selection of our top category picks, as chosen by Forbes Advisor Australia’s editors and journalists. The information provided is purely factual and is not intended to imply any recommendation, opinion, or advice about a financial product. Not every product or provider in the marketplace has been reviewed, and the list below is not intended to be exhaustive nor replace your own research or independent financial advice. For more information on how Forbes Advisor ranks and reviews products, including how we identified our top category picks, read the methodology selection below.

What Is a Credit Card Offer?

Our pick of the best credit card offers for australians, american express velocity escape card, anz first credit card, anz rewards black credit card, bankwest zero platinum mastercard, citi rewards credit card, coles no annual fee mastercard, kogan money visa card, nab low rate credit card, nab straightup card, st george amplify rewards signature, credit card offers explained, our methodology, frequently asked questions (faqs).

• Best Credit Cards
• Best Frequent Flyer Credit Cards
• Best Qantas Points Credit Cards
• Best Virgin Velocity Credit Cards
• Best Business Credit Cards
• Best Debit Cards
• List Of Credit Card Companies In Australia
• Balance Transfer Credit Cards Explained
• Interest Free Credit Cards
• Rewards Credit Cards
• CommBank Neo Credit Card Review
• American Express Velocity Escape Credit Card Review
• Qantas Points Credit Cards Explained
• NAB StraightUp Credit Card Review

A credit card offer is a perk attached to your credit card that is unique to that particular card and designed in order to stand out against the competition and attract new cardholders. Some perks are only offered for a limited time, while others may be tied to a card permanently, such as a no interest rate card .

Which credit card offer is best for you will depend on your financial situation and preferences, as there are many different types of credit card offers on the market.

Here are our top picks for the best credit card offers currently available to Australians, listed in alphabetical order.

No Annual Fee Offer

Standard Interest Rate

Standard annual fee, offer expires.

If you’re looking to earn frequent flyer points with Velocity without spending a hefty amount on an annual fee, then the American Express Velocity Escape Card may very well be the pick of the lot for you. The no annual fee offer is tied to the American Express Velocity Escape Card permanently, rather than the common credit card introductory offer of the first year being a $0 annual fee before reverting to a high rate.

At the time of writing, Amex is not offering any other additional deals with its Velocity Escape Card, such as bonus points when signing up for a new card. However, there are other benefits to the card, such as uncapped earning potential. When evaluating our choices of the best Virgin Velocity Credit Cards for Australians , the Amex Velocity Escape Card scored 4.5 stars.

It is also worth noting that American Express offers the same card with the same conditions for Qantas Frequent Flyers , known as the Qantas American Express Discovery Card. It charges a $0 annual fee, a 23.99% interest rate, and uncapped earning potential.

Cashback Offer

Standard Annual Fee

The ANZ First Credit Card may be, as the name suggests, a good choice for Australians looking for their first credit card. Its minimum credit limit of $1000 makes it ideal for those not wanting to spend outside their means, and an annual fee of only $30 is much cheaper than the industry standard—and the lowest of all ANZ credit card offerings.

Currently, ANZ is offering new First Credit Card holders the ability to earn $125 cash back when spending $750 on eligible purchases in the first three months of approval. ANZ notes that it may vary or end this offer at any time without notice, and that the cashback deal is not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card.

ANZ also currently waives the annual fee for the first 12 months before reverting back to the standard annual fee of $30.

Bonus Points Offer

For Australians looking for a general rewards card that isn’t linked to a specific program— such as Qantas Frequent Flyers or Coles’ Flybuys—the ANZ Rewards Black Credit Card may hold appeal.

It offers 180,000 bonus points and $150 cash back to new customers. ANZ notes that the bonus points could be used for $800 in gift cards at participating retailers, $720 cashback to reduce your credit card balance or credited into an ANZ bank account, or transferred to frequent flyer points with ANZ’s airline partners.

To be eligible for these rewards, ANZ Rewards Black cardholders must spend $3,000 on eligible purchases in the first three months from approval. There is no specified end to this credit card offer, however, ANZ does state that it may “vary or end this offer at any time without notice”.

Balance Transfer Offer

14.99% p,a.

Bankwest is currently offering the longest running 0% balance transfer deal out of the credit cards that Forbes Advisor Australia analysed with the balance transfer period running for 28 months. A balance fee charge of 3% applies, along with other fees and charges dependent on the balance transfer amount.

Following this 28-month period, cardholders will be charged the standard 14.99% p.a rate on any further balance transfers.

As a bonus, the Bankwest Zero Platinum Mastercard also offers its cardholders an ongoing $0 annual fee—a permanent feature that doesn’t expire.

0% Interest Rate Offer

21.49% p.a.

The Citi Rewards Credit Card is a high-ranking credit card according to Forbes Advisor Australia, scoring 4.5 stars on our analysis of the best credit cards on the market for Australians this year . This is largely due to its many rewards perks, as well as its complimentary insurances, including phone insurance, international travel, purchase cover and more.

As for its current credit card deals, Citi Rewards Credit Card is offering new cardholders a 0% interest rate offer for the first 12 months.

Citi is also offering new Citi Rewards Credit Card holders a 0% p.a. interest rate on balance transfers for the first 12 months, with no balance transfer fee. After this period, balance transfers will incur a very high 22.24% rate.

No Annual Fee

Issued by NAB, the Coles No Annual Fee Mastercard is just as the name suggests: a card offering no annual fee. It is a rewards card although instead of earning points that can be redeemed anywhere, cardholders earn Flybuys points that are therefore only able to be redeemed at participating Flybuys retailers.

As the Coles No Annual Fee Mastercard has a low minimum credit limit of $1000, it could be a suitable option for frequent Coles’ shoppers who want to earn more Flybuys points to redeem for their groceries, hardware needs from Bunnings, or office staples from Officeworks, without having to worry about spending outside their means.

Additionally, for new cardholders who apply for the Coles No Annual Fee Mastercard by June 30, 2024, you will be able to enjoy a 0% purchase rate for the first six months before it reverts to the standard interest rate of 19.99%.

For those looking for a credit card with no annual fee, the Kogan Money Visa Card could be an appropriate choice. It is a type of rewards credit card, where cardholders are able to earn rewards to an uncapped potential.

It is rare that reward cards do not charge an annual fee, making the Kogan Money Visa Card stand out in our analysis.

The perks on offer by the Kogan Money Visa Cards don’t end there, either. For those applying for the card in the next few weeks, you will be able to enjoy 0% p.a on balance transfers for the first six months with no balance transfer fees applying. After the six month promotional period, the balance transfer rate will revert to 21.74% p.a.

Additionally, when you spend $3,000 on eligible purchases in the first three months from card approval, you will be eligible to receive a $300 Kogan.com credit voucher. Both the balance transfer deal and the credit offer are only available to those who apply for a new Kogan Money Credit Card by April 30, 2024.

Low Interest Rate

The NAB Low Rate Credit Card offers a low interest rate to its cardholders of 13.49% p.a. This is significantly lower than the current credit card interest rate average in Australia which, at the time of writing, is around 20%.

There is also 0% on balance transfers for the first 28 months (with a 2% balance transfer fee). After the 28-month period, any remaining balance transfers will be subject to the card’s cash advance rate of 21.74%.

In conjunction with the balance transfer offer, NAB is also offering new cardholders a $0 annual fee for the first year. This introductory offer commenced on October 4, 2023, and is still running as of April 2024—although NAB does state that this offer “may end at any time”.

It’s important to note that these introductory offers are not available when closing or transferring from another NAB credit card account or in conjunction with any other offer. However, the low rate offer remains available.

With a 0% interest rate card, the NAB StraightUp Card is a leading choice according to Forbes Advisor Australia. It may suit Aussies looking for a no-frills credit card, but not be ideal for those looking for a card that supports balance transfers or the potential to earn rewards.

The NAB StraightUp Card also doesn’t charge an annual fee like most credit cards do. Instead, it charges a monthly fee dependent on the credit limit the cardholder chooses. For a $1,000 credit limit, your monthly fee will be $10; a $2,000 credit limit incurs a monthly fee of $15; and the highest credit limit option of $3,000 will result in a $20 monthly fee.

This monthly fee can then be multiplied by 12 in order to understand the annual cost and compare it to other credit cards on the market. For example:

• A $1000 credit limit would cost $120 annually in monthly fees,
• A $2000 credit limit would cost $180 annually in monthly fees, and
• A $3000 credit limit would cost $240 annually in monthly fees.

However, it is important to note that if you don’t make any purchases and have an outstanding balance of $0 during the whole statement period, NAB will reverse your monthly fee for that period. That means you will only be charged the total annual fee if you use your credit card every month.

Bonus Points

St George is currently offering a significant deal to new Amplify Rewards Signature cardholders, with 150,000 bonus Amplify points on sign-up. These bonus points are available to St George Amplify Rewards Signature cardholders who spend the minimum amount of $12,000 on eligible purchases within the first 12 months from card approval.

St George is also offering a discounted first year card fee of $199 (before reverting to the standard $295 annual fee), and a 0% p.a. balance transfer deal for the first 24 months. The balance transfer offer needs to be requested at the time of application, and will be subject to a 1% fee on the balance.

All of the above promotions are only available to those who apply and are approved for a new Amplify Rewards Signature credit card between now and July 31, 2024.

Pre-existing St George card holders can also benefit from a more heavily discounted card fee for the first year of $99, before reverting to the standard $295 annual fee.

Below we outline the different types of credit card offers available to Australians, and round up our top ten picks for the best deals on the market right now. It’s worth noting that these deals aren’t always standalone offerings, either. Some cards will have numerous offers attached to them.

Balance Transfer Offers

Credit card companies will frequently offer a period of 0% balance transfers to new cardholders, encouraging them to move from their current credit card issuer. Since a credit card balance transfer involves moving the amount you owe (the balance) to another credit card, you may end up saving money if you transfer your balance within a promotional period and pay zero interest.

These balance transfer offers vary with some offering the 0% interest rate for a period of six months and some for up to 28 months. After this period expires, the balance transfer interest rate is usually quite high.

Related: Balance Transfer Credit Cards Explained

Many rewards cards offer cardholders the ability to earn points, which can then be redeemed for a variety of goods and services. Sometimes these points are directly linked to the company—such as Coles’ Flybuys points program—while others can be used to redeem in a variety of stores, or even to put towards paying off your balance.

Bonus points are a common introductory offer for new customers. Credit card companies will entice individuals to sign up to their credit cards in order to receive a large chunk of bonus points if they spend a certain amount of money within a specified time frame.

Credit card companies may also offer ad-hoc bonus point specials, such as extra bonus points to customers who shop at a particular store (again, spending a certain amount of money within a timeframe). These bonus point deals are for a limited time only and vary across each credit card company due to their retail partnerships and the like.

Frequent Flyer Deals

Similar to bonus point offerings, frequent flyer credit cards may also offer deals to their customers, albeit in relation to travel. While this often involves a large amount of frequent flyer points upon sign-up, it could also include a waived annual fee of a frequent flyer membership program, access to airport lounges at no extra charge, travel insurance, and other travel-related perks.

Related: Our Pick Of The Best Frequent Flyer Credit Cards

Sometimes a credit card company may offer you a cash back deal when you sign-up and spend a certain amount on your new credit card within a specified period from when you are approved for the card. The amount of cash back, the spending criteria, and the period of time ranges depending on the credit card issuer. This is another example of an introductory offer.

It’s worth noting that some cards have cash back deals as an ongoing offer, which are valid through partnerships with the credit card issuer. For example, at the time of writing, the American Express Velocity Escape Card is offering $100 back to those who spend $500 at Samsung online when they activate the offer. These offers are valid for a limited time, and therefore vary throughout the year.

A common sign-up offer from credit card companies is to waive the first year’s annual fee for new customers, and then revert back to the standard annual fee after the first 12 months. This is an example of an introductory offer.

However, there are some cards on the market that don’t charge an annual fee whatsoever, although many charge a monthly account keeping fee. These types of cards can suit those who are looking for a no-frills type of card, that they may only use in the case of an emergency, instead of a rewards card that is designed to maximise perks and points.

No Interest Rate

Many card companies are now offering no interest rate charges on the first year for new cardholders. As this is an introductory deal, it would revert back to the actual interest rate, which may even be much higher than the average interest rate on the market.

However, there are also cards that offer no interest as a permanent offering, again suiting Australian consumers looking for a straight-forward, no-frills option.

To establish the above list, Forbes Advisor Australia conducted extensive research into the credit card offers currently on the market. To best represent all of the deals, we found a minimum of three cards for each of the following categories:

• 0% balance transfer offers
• Bonus point and cashback offers
• Frequent flyer offers
• No annual fee deals
• No or low interest rate cards

After establishing the large spread of deals available to Australian consumers, Forbes Advisor Australian then analysed the cards to find the leading contender/s of each category. The criteria varied depending on the offer, but largely included:

• What is the current deal on offer?
• When does the credit card offer expire, or is it attached to the card permanently?
• Are balance transfers available and, if so, at what rate?
• What is the interest rate charged?
• Is there an annual fee and, if so, how much is it?
• What is the minimum credit limit?
• Can cardholders earn rewards, including frequent flyer points, through the card?
• Does the credit card offer any other perks outside of the primary offer?
• What are the eligibility requirements for the credit card?

Answering the above questions then helped us to establish the stand-out offers in each category, and rank them accordingly. From these rankings, we then established our top 10 picks.

As you can see from our pick of the best credit card offers, some credit card deals were featured multiple times via different credit cards, while other categories were only featured once. This is due to the overall benefits that the credit card could provide a cardholder, along with the standard of reviews via ProductReview.

Whatever you decide, it is critical to fully understand the terms and conditions of a credit card agreement before applying. Though we always recommend paying off your balance in full each month, it’s particularly important with rewards credit cards as interest rates are generally higher. Any interest charges on a balance will quickly wipe out the value of any rewards earned.

Is a low credit limit offer good?

A low credit limit on a credit card can be a good thing for those looking to spend within their means, and don’t want to risk falling into credit card debt. By having a lower credit limit, cardholders can be assured that they will be able to pay off their balance in the specified timeframe. Higher minimum credit limits, therefore, are more risky for those who don’t have the financial means to be borrowing—and repaying—a large figure per month. It also means that you are looked upon more favourably by lenders because when you apply to borrow for a mortgage or loan as lenders assume your credit card limit is reached—even if it isn’t—when they assess your loan viability.

Do all AMEX cards offer bonus points when signing up?

While it is common for American Express to offer bonus point deals for new cardholders upon signing up, it is not guaranteed. For example, at the time of writing, only six of the nine personal American Express credit cards are offering a new cardholder offer of bonus points.

These bonus point offers are for a limited time only, and can change in value throughout the year.

Can I receive a credit card deal if I’m already a cardholder?

Most credit card deals are only available to new card holders, and many are known as introductory offers for this purpose. If you already hold a credit card and a new offer commences, such as no annual fee for the first year, you will not be eligible. However, if it is a deal that is tied to the credit card permanently, then you will be.

The terms and conditions of each credit card deal and offer depends on the credit card issuer, so be sure to read the fine print before signing up to an offer.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany site, Sophie has worked closely with finance experts and columnists around Australia and internationally. Sophie grew up on the Gold Coast and now lives in Melbourne.

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Now Arriving at an Airport Lounge Near You: Peloton Bikes, Nap Pods and Caviar Service

In recent months, a handful of exclusive credit card lounges have opened in airports in the United States. More are coming this year.

By Christine Chung

A handful of new lounges opened by credit card issuers, including Capital One and American Express, have recently landed in airports across the United States, promising posh spots of refuge for select travelers awaiting their flights. At La Guardia Airport, caviar service will be available for pre-order. At Hartsfield-Jackson Atlanta International Airport, travelers can get complimentary massages, and at Denver International Airport, there are nap pods. In addition to amenities, the new lounges provide an ambience reminiscent of a luxury hotel lobby, both in interior design and scale, and fit several hundred people at a time.

“Lounges have certainly gotten busier, so we’ve expanded our footprint,” said Audrey Hendley, president of American Express Travel, which in February opened its largest Centurion lounge, at 26,000 square feet at Hartsfield-Jackson , bringing its total number of lounges in the United States to 14.

Broadly, there are three types of airport lounges available to travelers: airline operated; shared-use spaces that aren’t limited to one airline or frequent flier status (think Priority Pass); and credit card lounges. Many are operated in partnership with lounge development companies.

For more than a decade, American Express was the only credit card issuer with lounges in the United States. That changed last year, when Chase Sapphire and Capital One each opened locations at major airports across the country, with plans to unveil a handful more in the coming years.

The proliferation is driven in part by changing demographics and travel patterns of fliers today. This year may set a record for the number of air travelers, with an estimated 4.7 billion people expected to fly globally. According to a survey published last May by the polling firm Morning Consult, younger travelers are more inclined than older generations to book travel with credit card loyalty programs, and those in the Gen Z age group, in particular, have signaled a declining loyalty to airline frequent flier programs.

While credit card companies saw opportunities to expand their brand awareness with lounges, the facilities also provide additional benefits to card members who pay hundreds of dollars in annual membership fees. Card fees range from $395 a year for a Capital One Venture X to $695 for an American Express Platinum.

Here are the latest highlights of new credit card lounges from around the country.

Chase Sapphire Lounge by The Club

Domestic locations: John F. Kennedy Airport’s Terminal 4, La Guardia Airport’s Terminal B, Boston Logan International Airport by Gate B40.

Forthcoming locations: San Diego International Airport, Phoenix Sky Harbor International Airport, Harry Reid International Airport in Las Vegas and Philadelphia International Airport.

Who can use: Travelers with the Chase Sapphire Reserve, J.P. Morgan Reserve or Ritz-Carlton credit cards who have activated their Priority Pass memberships. Those without these cards but who have Priority Pass can enter once a year. Chase Sapphire Reserve and J.P. Morgan Reserve cardholders can bring up to two guests per visit for free, and additional guests cost $27. Those with the Ritz-Carlton card can bring unlimited guests at no extra cost.

What’s on offer: Locally made draft beers and coffee, menus designed by local restaurants, private bathrooms with showers and, at La Guardia Airport’s 16,200-square-foot space spanning two floors, three suites with caviar service that can be reserved up to 72 hours before a flight ($2,200 to book).

American Express Centurion

Domestic locations: Hartsfield-Jackson Atlanta International Airport, Charlotte Douglas International Airport, Dallas-Fort Worth International Airport, Denver International Airport, George Bush Intercontinental Airport in Houston, Los Angeles International Airport, Harry Reid International Airport, Miami International Airport, Kennedy Airport, La Guardia Airport, Philadelphia Airport, Phoenix Sky Harbor Airport, San Francisco International Airport, Seattle-Tacoma International Airport.

Forthcoming locations: Reagan National Airport later this year, Newark Liberty International Airport in 2026.

Who can use: Eligible American Express cardholders, and those with Delta’s SkyMiles Reserve Card or Reserve Business Card; details vary based on the card. Complimentary guest access depends on credit card use; American Express Platinum and Business Platinum Card Members who spend $75,000 or more a year can bring up to two guests in free per visit.

What’s on offer: A whiskey bar, phone booths and work stations, wellness rooms, food by local celebrity chefs, complimentary massages, game rooms and wine tastings

Capital One

Domestic locations: Dallas-Fort Worth Airport’s Terminal D, Denver Airport’s Concourse A, Dulles International Airport’s Main Terminal.

Forthcoming locations: Harry Reid International Airport.

Welcomed travelers: Venture X and Venture X Business cardholders, who can bring up to two guests per visit. Additional guests cost $45. All other travelers can pay $65 per visit to enter.

What’s on offer: A fitness room with Peloton bikes, nap pods, shower suites, small plate dining options and grab-and-go food, luggage lockers, coffee bars.

Follow New York Times Travel on Instagram and sign up for our weekly Travel Dispatch newsletter to get expert tips on traveling smarter and inspiration for your next vacation. Dreaming up a future getaway or just armchair traveling? Check out our 52 Places to Go in 2024 .

Christine Chung is a Times reporter covering airlines and consumer travel. More about Christine Chung

Open Up Your World

Considering a trip, or just some armchair traveling here are some ideas..

52 Places:  Why do we travel? For food, culture, adventure, natural beauty? Our 2024 list has all those elements, and more .

Mumbai:  Spend 36 hours in this fast-changing Indian city  by exploring ancient caves, catching a concert in a former textile mill and feasting on mangoes.

Kyoto:  The Japanese city’s dry gardens offer spots for quiet contemplation  in an increasingly overtouristed destination.

Iceland:  The country markets itself as a destination to see the northern lights. But they can be elusive, as one writer recently found .

Texas:  Canoeing the Rio Grande near Big Bend National Park can be magical. But as the river dries, it’s getting harder to find where a boat will actually float .

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Bis zu 25% rabatt für mitglieder, kinder übernachten kostenlos bei familienzimmer-buchung, ähnliche gutscheine.

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Ähnliche onlineshops.

Gut und günstig übernachten, das ist bei A&O Hostels kein Problem. Und weil es immer gut ist, die Reisekasse noch ein wenig zusätzlich zu schonen, sichern Sie sich am besten gleich einen A&O Gutschein. Schon kann es zur nächsten Städtereise losgehen. Dafür sind die zentral gelegenen A&O Hostels genau die richtige Wahl. Kostengünstige Übernachtungsmöglichkeiten bieten sich Ihnen in vielen Städten Deutschlands. Ihre Buchung können Sie bequem über die A&O-Hostels-Website vornehmen und dabei Ihren A&O Gutschein nutzen.

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Fragen und Antworten zum A&O Gutschein

Wo finde ich einen a&o gutschein.

Schauen Sie sich die Liste mit den aktuell verfügbaren Gutscheinen an. Bevor Sie sich für einen A&O Gutscheine entscheiden, überprüfen Sie immer auch die genauen Einlöse Bedingungen. Denn der A&O Gutschein und Buchung müssen zusammenpassen. Vielleicht ist ein Mindestbuchungswert gefordert oder Sie müssen Neukunde sein, um diesen A&O Gutschein nutzen zu können. Unter „Geschäftsbedingungen“ finden Sie alle wichtigen Einlöse Hinweise.

Wie gebe ich den Rabattcode vom A&O Gutschein ein?

Dann klicken Sie auf den grünen Button auf dem A&O Gutschein, damit der Rabattcode angezeigt wird. Diesen benötigen Sie im nächsten Schritt, also notieren Sie ihn oder nutzen Sie Copy & Paste um ihn im Zwischenspeicher abzulegen. Es wird kein Spar-Code angezeigt? Dann funktioniert dieser Deals ohne Code und der Rabatt wird bei Ihrer Buchung automatisch berücksichtigt.

Wie löse ich den A&O Gutschein ein?

Nach der Weiterleitung zu A&O Hostels wählen Sie das gewünschte Hostel aus und starten den Buchungsprozess. Im dritten Buchungsschritt unter „Ihre Daten & Zusatzleistungen“ finden Sie weiter unten das Eingabefeld für den Rabattcode. Tragen Sie ihn hier ein und klicken Sie auf “Code einlösen“, um den Rabatt zu aktivieren. Wenn alles geklappt hat, wird Ihnen der Rabatt direkt angerechnet. Es hat nicht funktioniert? Das kann verschiedene Gründe haben. Überprüfen Sie noch einmal, dass Sie alle Einlösebedingungen erfüllen. Natürlich muss der A&O Gutschein auch noch gültig sein, die Aktion darf also noch nicht abgelaufen sein. Bei einer manuellen Eingabe des Rabattcodes können auch schnell einmal Tippfehler passieren. Vergewissern Sie sich daher, dass Sie die Buchstaben- und Zahlenabfolge korrekt und vollständig übernommen haben und versuchen Sie Ihre Eingabe erneut. Auf Nummer sicher gehen Sie immer, wenn Sie den Code kopieren und in das Eingabefeld einfügen. So vermeiden Sie Tippfehler.

Urlaub auf Ratenzahlung – geht das bei A&O Hostels?

Ratenzahlung gehört nicht zu den angebotenen Zahlungsmethoden bei A&O Hostels.

Wie kann ich bei A&O Hostels einchecken?

Der Check-in ist jedrezeit möglich. Die Zimmer stehen Ihnen jeweils ab 15 Uhr zur Verfügung. Sie möchten schon früher auf Ihr Zimmer? Auch das ist kein Problem. A&O Hostels bietet Ihnen hierfür den Early Check-in an. Hierfür werden 10 Euro in Rechnung gestellt. Mit dem Early Check-in können Sie ab 11 Uhr garantiert auf Ihr Zimmer. Am Wochenende gilt der Early Check-in erst ab 12 Uhr.

Gibt es ein A&O Hostels Bonusprogramm?

Ein besonderes Bonusprogramm bietet A&O Hostels für treue Gäste an. Mit der A&O Traveller Card für Stammgäste genießen Sie einen Preisnachlass von 20 Prozent bei jeder Übernachtung. Für Trainer und Fanclubs werden ebenfalls attraktive Bonusprogramme angeboten. Hier gibt es jeweils 5 Prozent Rabatt auf Gruppenübernachtungen sowie 10 Prozent Rabatt auf Einzelübernachtungen. Die Trainer Card und Fanclub Card gibt es gratis für Sie. Für die A&O Traveller Card für treue Gäste fallen 69 Euro an.

Kann ich nachträglich meinen Namen ändern bei A&O Hostels?

Sie haben die Möglichkeit, Ihre Buchung bequem online über die Website von A&O anzupassen oder zu ergänzen. Geben Sie hierzu einfach Ihre Buchungsnummer und die E-Mail-Adresse ein und wählen dann die entsprechende Option aus. Zur Auswahl stehen „Bearbeiten“, „Bezahlen“ und „Stornieren“. Wenn die Anpassung Ihrer Buchung erfolgreich war, erhalten Sie eine Bestätigungsmail.

Gibt es Probleme bei der Buchung im A&O Hostels Shop?

Sollte die Buchung nicht reibungslos laufen, können Sie sich an den Kundenservice von A&O Hostels wenden. Diesen erreichen Sie über das Online-Kontaktformular auf der Website sowie über WhatsApp unter 030 809471212. Gerne können Sie auch eine telefonische Beratung unter 030 809475110 in Anspruch nehmen. Die Hotline ist 24 Stunden erreichbar.

Toller Hotelurlaub mit einem A&O Gutschein

Gegründet wurden die A&O Hotels und Hostels im Jahr 2000. Seither haben sie sich zur ersten Wahl für alle entwickelt, die sich für preiswerte Städtereisen interessieren. Mit A&O Hostels übernachten Sie in vielen deutschen Großstädten preiswert, darunter München, Nürnberg, Stuttgart, Frankfurt und Bremen. Die Hostelkette ist zudem auch in Österreich, Tschechien, Dänemark, Italien und den Niederlanden vertreten. Was die Marke A&O im Besonderen auszeichnet, ist die perfekte Kombination aus Hotel und Hostel. So kann jeder ein Zimmer wählen, das zum eigenen Reisebudget passt. Zur Auswahl stehen Einzel-, Doppel- und auch Familienzimmer. Zusätzlich sparen lässt sich immer noch mit einem A&O Gutschein aus unserer Gutscheindatenbank.

Unser Profi-Spartipp: Bestpreisgarantie

A&O Hostels zeichnet sich ohnehin schon durch äußerst günstige Preise aus und lockt daher vor allem echte Sparfüchse an, die bei ihren Städtetrips preiswert übernachten möchten. Daher gilt bei A&O Hostels auch die Bestpreisgarantie. Buchen Sie immer zum garantiert günstigsten Preis. Es gibt aber noch so einiges mehr an Sparpotential zu entdecken. So wie den ADAC-Rabatt. Sie erhalten 12 Prozent Rabatt auf Übernachtungen mit Ihrer ADAC-Mitgliedschaft. Als besonderes Extra dürfen Sie sich sogar noch auf ein alkoholfreies Erfrischungsgetränk bei Ihrer Anreise freuen. Weitere Sparmöglichkeiten ergeben sich mit dem Rail-Pass-Rabatt. Wenn Sie zur großen Europa-Tour mit Inter Rail, German Rail oder Eurail Pass starten, brauchen Sie natürlich auch Übernachtungsmöglichkeiten. Hier bietet sich A&O Hostels an, denn mit diesen Pässen sparen Sie satte 10 Prozent bei jeder Übernachtung. Und das ist noch nicht alles. Als Facebook-Fan von A&O Hostels erhalten Sie 5 Prozent Rabatt auf die tagesaktuelle Rate. Und natürlich nächtigen auch Studenten besonders günstig. Hier gibt es 10 Prozent Preisnachlass auf den Tagespreis.

Sparmöglichkeiten bei A&O Hostels : Günstig geht auch noch günstiger

Mit oder ohne A&O Gutschein: Das Angebot der A&O Hostels richtet sich an preisbewusste Urlauber und Geschäftsreisende. Im Hotelbereich erwarten Gäste komfortable Zimmer zu günstigen Preisen. Der moderne Hostelbereich zeichnet sich dadurch aus, dass lediglich der Preis für ein Bett in ansprechendem Ambiente gezahlt werden muss. Wer maximal kostengünstig reisen und nächtigen will und kein Problem damit hat, sich sein Zimmer noch mit mehreren anderen Übernachtungsgästen zu teilen, kann bei A&O Hostels sogar ein 12 Euro Bett buchen innerhalb der Spar-Zimmerkategorie „Mehrbettzimmer“. Hier ist also mit echten Schnäppchen zu rechnen.

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Global Entry Enrollment on Arrival

Enrollment on Arrival (EoA) is CBP program that allows Global Entry applicants who are conditionally approved to complete their interviews upon arrival into the United States; including those entering the United States via a designated CBP Preclearance location. The EoA program eliminates the need for a Global Entry applicant to schedule an interview at an enrollment center to complete the application process.  

When landing in an international terminal follow the signage directing you to CBP officers who can complete your Global Entry interview during your admissibility inspection. If you require assistance for your Global Entry interview because of a disability, immediately inform the interviewing CBP officer of your need for a reasonable modification or auxiliary aid or service to participate in the interview. For your planning purposes, please understand that if you use EoA and are requesting a modification, aid, or service at that time and an effective modification, aid, or service is not readily available, the interview may be scheduled for a later date.

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• A valid passport. If you travel using more than one passport, please bring them all to the interview so that the information can be added to your file. 
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If you are a conditionally-approved Global Entry applicant, save time and participate in Enrollment on Arrival. A list of participating EoA airports is below.

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Employee Travel and Reimbursement Fiscal Year End Updates FY 2024

Employee Travel and Reimbursement (ET&R) has included updates for the 2024 fiscal year-end process. Please use the information below as a reference for the fiscal year-end schedule related to out-of-pocket reimbursements, corporate card charges, and experimental subject payment forms. 

Out of Pocket Expenses*

Both electronic and paper reimbursement forms must be submitted, approved, and received in ET&R by the end of the day on Monday, June 17, 2024, to be posted in the current fiscal year.

Experimental Subject Payment Forms*

Experimental Subject Payment forms must be received in ET&R by 5:00 pm on Monday, June 17, 2024, to be posted in the current fiscal year.

*NOTE : all reimbursement forms/expense reports are due to ET&R by 5:00 pm on Monday, June 17, 2024.  This is a change from prior fiscal years.

Corporate Card Transactions – Concur

• All expense reports received in ET&R by the end of the day on Monday, June 17, 2024, will be processed in fiscal year 2024.
• 695685 - Unapproved Corporate Card Transactions; Assigned corporate card expenses without complete approval.
• 695695 - Unassigned Corporate Card Transactions; Unassigned corporate card expenses with no action taken.
• ET&R will send Untimely Posting Notification emails for transactions through May 15 beginning Wednesday, May 22 through Wednesday, June 12, 2024.
• Employee Travel & Reimbursement will stop posting transactions for fiscal year 2024 on Monday, July 8, 2024. We will send a complete list of Assigned and Unassigned transactions to Business Managers and Management Centers on Tuesday morning, July 9, 2024. This will allow time for departments to review the outstanding corporate card charges and process accruals per their management center guidelines.  ET&R will not process an accrual of corporate card charges for fiscal year 2024.

► Deadlines for departments that are using the WORKS system for FLEET and other applicable programs will be communicated by the Card Services team.

We appreciate your continued support. If you have questions, please contact a member of our team at 668-3877 or via email at [email protected] .

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Discover it ®  Miles : great for vacations or staycations

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Discover it ® Secured Credit Card : build your credit history 3

Discover it ®  Student Cash Back : students earn rewards at different places

Discover it ®  Chrome for Students : students earn rewards at gas stations and restaurants

NHL ®  Discover it ® : put your favorite team on your card

What credit score is needed to apply for a Discover Credit Card?

Discover Card credit score requirements vary by product. In general, the standard Discover it ® Card is for people with established credit. But the Discover Secured credit card is built for people looking to build or rebuild their credit with responsible use. 3 No matter what, cardmembers earn Discover Card rewards on every purchase.

How many Discover Cards can you have?

As a Discover ® Cardmember, you can have two different credit cards . Discover credit cards let you earn rewards on each eligible purchase, from cash back rewards to miles for travel and more.

How can I view introductory credit card offers and find the best new credit card offers for me?

You may receive credit card offers in the mail, by email, or online. Compare your offers by rewards, sign-up bonus, benefits, APR (including introductory rates), fees, and credit limits. Look for rewards programs that fit the way you spend. If you know you’ll use the card for groceries, gas, dining, or travel, you may be able to find a card that helps you earn more. And look for a sign-up bonus that doesn’t have a minimum spending amount required to get your extra rewards.

How can I get a new credit card from Discover?

You can apply for Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). Select from cash back credit cards or travel credit cards. We also have Discover student cards. All our credit cards earn Discover rewards on every purchase. You’ll need to be 18 or older to apply for a card. If you're not yet 21, you will have to apply online. Discover Secured credit card applicants must also apply online.

How can I apply for a credit card?

How does a credit card work.

A credit card is a revolving loan that you can use to make purchases. Each month you’ll receive a statement telling you how much of the loan you have used and have to pay back. If you pay the statement balance in full by the due date each month, you won't be charged interest on purchases. Otherwise, your APR will apply to your unpaid credit card balance and you’ll have interest charges in your next statement. When you apply for a credit card, the credit card issuer will pull your credit report–which could result in a hard inquiry–as one of the factors they use to decide whether to approve your application. Credit cards often provide rewards on purchases, which is usually a percentage of the amount you spent with the card. A credit card comparison shows you different rewards and benefits and can help you find the credit card that’s best for you.

What’s the easiest Discover Card to get?

There’s no easy credit card to get. Credit card approval isn’t guaranteed and depends on many factors, like your credit history and income. If you have an established credit history and good credit score, you may find you can get approved for many cards. However, if you’re just starting your credit journey or want to rebuild your credit history, 3 a Discover it ® Secured Card may be best for you. Similarly, students with limited or no credit history may find that a Discover student card better fits their financial needs. And remember, every Discover credit card earns rewards on purchases.

What are the benefits of Discover Cards?

Discover offers many benefits across our line of products. All Discover Cards offer rewards, either cash back or Miles, on each eligible purchase. Plus, only Discover automatically gives unlimited Cashback Match to all new cardmembers: we'll automatically match all the cash back you've earned at the end of your first year. 1 Also, Discover has no annual fee on any of our cards. We’re also serious about protecting your personal information, with benefits that include Online Privacy Protection , free Social Security number alerts , $0 Fraud Liability Guarantee , and more.

Why get a credit card?

There are many reasons to get a credit card: you may decide to apply for a credit card for the rewards, APR (including intro rates), or sign-up offers. Or you might want to build your credit history. Some credit cards, like Discover, provide $0 Fraud Liability Guarantee, which means you’re never responsible for unauthorized purchases on your Discover Card account. 5 Also, credit cards often provide extra benefits, like providing helpful alerts on your spending and more.

What is the minimum credit score needed to be approved for a credit card?

Different credit cards require a different credit rating for approval. Some cards are only for people with excellent credit or good credit. Other cards are great if you have fair credit or are building or rebuilding credit. The credit card company will run a credit check as part of its decision to approve your application. It’s a good idea to check your credit score or get a copy of your credit report before applying for a new card.

What should I know before applying online for a credit card?

It’s always good to check if you’re pre-approved to see your likely offers before you apply for a card. You can see if you’re  pre-approved  with no harm to your credit score, 7 but each full application for a credit card may impact your credit score.

Tools to help you choose the best credit card for you

Are you ready to add a discover credit card to your credit journey.

Learn how and why you may receive pre-approved credit card offers, what to look for, and how you can opt-out of pre-approved credit card offers.

Learn how to apply for a credit card online, increase your chances of approval and protect your personal information while applying for credit cards online.

Find out which credit cards you qualify for by trying an online card pre-approved tool, checking doesn't impact your credit score and can personalize your offer.

Cash Back Credit Cards:  Discover it ®  Cash Back, Gas & Restaurant Card, NHL ®  Discover it ®

Travel Credit Card:  Discover it ®  Miles

Student Credit Cards:  Discover it Student ®  Cash Back, Student Chrome Card

Secured Credit Card:  Discover it ®  Secured credit card

Intro purchase APR is x % for x   months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x % for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: x % variable to x % variable, based on your creditworthiness. Cash APR: x % variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: x % Intro fee on balances transferred by and up to x % fee for future balance transfers will apply. Annual Fee: None . Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Travel Credit Card

Intro purchase APR is x % for x  months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x % for x  months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: x %  variable to x %  variable, based on your creditworthiness. Cash APR: x %  variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: x %  Intro fee on balances transferred by and up to x %  fee for future balance transfers will apply. Annual Fee: None . Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Student Credit Cards

Intro purchase APR  is  x %  for  x months  from date of account opening then the standard purchase APR applies.  Intro Balance Transfer APR  is  x %  for  x months  from date of first transfer, for transfers under this offer that post to your account by   then the standard purchase APR applies.  Standard purchase APR: x % - x %  variable, based on your creditworthiness.  Cash APR: x %  variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50.  Cash advance fee:  Either  $10  or  5%  of the amount of each cash advance, whichever is greater.  Balance transfer fee: x %  Intro fee on balances transferred by   and up to  x %  fee for future balance transfers will apply.  Annual Fee: None . Rates as of  . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Secured Credit Card

x % standard variable purchase APR  .  Intro Balance Transfer APR  is  x %  for  x  months  from date of first transfer, for transfers under this offer that post to your account by   then the standard purchase APR applies.  Cash APR: x %  variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than  $.50  .  Cash advance fee:  Either  $10  or  5%  of the amount of each cash advance, whichever is greater.  Balance transfer fee: x %  Intro fee on balances transferred by   and up to  x %  fee for future balance transfers will apply.  Annual Fee: None . Rates as of  . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

NHL and the NHL Shield are registered trademarks of the National Hockey League. NHL and NHL team marks are the property of the NHL and its teams. © NHL 2024. All Rights Reserved.

Cashback Match:  Only from Discover as of February 2024.   We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

Discover Match ® :  Only from Discover as of February 2024. We'll match all the Miles rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned Miles rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

2% Cash Back at gas and restaurants:  You earn a full 2%  Cashback Bonus ® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at  Discover.com/digitalwallets . See  Cashback Bonus Program Terms and Conditions  for more information.

Build credit with responsible use : Discover reports your credit history to the three major credit bureaus so it can help build/rebuild your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build/rebuild credit.

Minimum Security Deposit:  If approved, you must make a minimum security deposit of $200 (or more, in increments of $100 up to $2,500), which will equal your requested credit limit. Discover will determine your maximum credit limit by your income and ability to pay.

$0 Fraud Liability:  An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at  Discover.com/fraudFAQ .

About product reviews : We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.

There is no hard inquiry to your credit report to check if you’re pre-approved. If you’re pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants cannot be pre-approved for the NHL Discover Card.

Acceptance : According to the Feb 2023 issue of the Nilson Report.

The offer you are looking for isn't available, but see below to find the best Discover Card for you right now.

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• Pop Culture

‘Conan O’Brien Must Go’ Is the Best Version of Conan

The comedian’s new travel show proves he’s at his best away from the rigid confines of late night

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After hundreds of episodes of Hot Ones , there’s little a guest can do to shake up the reliable formula of thoughtful questions combined with increasingly spicy chicken wings. But Conan O’Brien isn’t just any guest. Conan is someone who arrives with “Dr. Arroyo,” his personal physician, who, when asked where he went to medical school, answers “1998”; he deposits the remains of each wing into his jacket pocket; seemingly unfazed by the heat, he chugs hot sauces like they’re in tiny liquor bottles from a hotel minibar; he rubs the drumsticks on his hands, mouth, and, yes, nipples. Even as Conan’s pale complexion begins to resemble a ripe tomato, he remains committed to the bit, raising his body temperature by two degrees in a state of delirium. (According to Dr. Arroyo, of course.) Behold, the comedy GOAT:

Aside from being one of the funniest people on the planet, Conan seems to operate at the peak of his powers when surrounded by chaos. He was, for a time, our longest-tenured late-night host: He had a career on the airwaves that spanned nearly three decades, not unlike his icon, Johnny Carson. But while Conan could do the usual late-night beats in his sleep—the opening monologue, the celebrity interviews—he was never better than when things went completely off the rails. Consider: Conan used his last week as the short-lived host of The Tonight Show to waste NBC’s money on bringing a Kentucky Derby–winning horse to set; trolled his interns and staff in remote segments; introduced the world to his associate producer Jordan Schlansky, who gamely played a pretentious foil ; found an actual Tinder date with Dave Franco.

But some of Conan’s best work has been when he’s left the rigid confines of late night altogether. In 2015 Conan began a spinoff travel series, Conan Without Borders , in which he explored other countries armed with little more than his self-deprecating wit. “[Travel shows are] completely outside the realm of anything I do,” he explained to The New York Times in 2019. “They can be frightening because they take away a lot of control. I’m out there, I don’t often know what I’m going to encounter.” More often than not, it’s led to comedy gold. For instance, while he was taking a Japanese etiquette lesson, Conan’s instructor said that he wasn’t her type. The reason: “Face.”

Face . You could never script something so casually brutal; therein lies the magic. Most important, Conan never mocks other cultures to induce laughs—instead, he makes himself the butt of the joke, leaning into the bit of an ignorant tourist. But what truly elevated Conan Without Borders was how he could deftly weave in educational components and approach dark periods of a country’s history with genuine sensitivity. (Conan’s visit to the Armenian Genocide Memorial with his longtime assistant, Sona Movsesian, is among the most emotionally resonant moments of his career.) Thankfully, even though Conan has bowed out of the late-night scene, he’s doubling down on the travelogues.

On Thursday—Conan’s birthday, no less—Max released Conan O’Brien Must Go , a four-part series that takes him to Norway, Argentina, Thailand, and Ireland. These destinations were inspired by his podcast, Conan O’Brien Needs a Friend , which, in addition to celebrity interviews, features conversations with fans from around the globe. (The fans frequently invite Conan to come visit their neck of the woods; few would ever imagine he’d take them up on the offer.) While Conan O’Brien Must Go doesn’t rely on celebrity cameos, every episode opens with Werner Herzog voice-over narration about the grandeur of Mother Earth and how, to fully appreciate its natural wonders, we must sometimes “defile it.” Rest assured, Conan the Defiler is more than up to the task.

What separates Conan O’Brien Must Go from his first travel show is the incorporation of those fans, including a Norwegian fish farmer, an Irish medical student, and an Argentine painter. The fans understandably react to Conan showing up at their front door with a mixture of shock and glee, but before they even get a chance to compose themselves, he playfully roasts their respective living situations. Nobody gets it worse than Jarle, a young Norwegian rapper who still sleeps with soccer-themed bedsheets from childhood and has bread so stale it lands with an audible thud when Conan drops it. “I’ll wipe the floor with you,” Conan tells Jarle, “which actually might be a good idea, because I think you’d pick up a lot of lint.”

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But while it’s enjoyable in its own right to see Conan surprise fans, Conan O’Brien Must Go is never better than when he throws all caution to the wind mingling with the locals. One standout bit in Argentina involves a soccer team that invites Conan to its stadium, where he proceeds to take the sport’s reputation for theatrical diving to another level, with fake blood spurting out of his mouth. Argentina is also where Conan reunites with his archnemesis, Schlansky, who repeatedly corrects him on the proper pronunciation of tango over dinner. (Schlansky insists he’s right, even when the chefs disagree with him.) And while some comedians might have second thoughts if nobody seems entertained by their shenanigans, Conan always doubles down—if only for his own amusement. (The Argentine gauchos did not enjoy his singing talents.)

Despite all the silliness that’s part of the Conan experience, Conan O’Brien Must Go also manages to have moments of real profundity. For one, Conan uses the Ireland episode to explore his own heritage, culminating with a visit to the patch of rural farmland that belonged to his ancestors. It puts everything into perspective: His forebears fled the Irish famine for America, and their descendant returned with a camera crew and decades of fame and success under his belt. Truly, what are the odds? But what really tugs at the heartstrings is a brief video from the Norwegian fish farmer Kai, who explains how Conan’s visit to his small town completely changed his life. It’s genuinely heartwarming stuff, proving that comedy can achieve more than just laughs when it’s approached with curiosity and empathy.

It’s been three years since Conan last graced our screens, and his absence really underlined that he’s one of one. You can’t imagine anyone else showing up to a foreign country and reacting to situations on the fly without everything falling apart at the seams. But as Conan proved time and again during his late-night tenure, that’s where great comedy can be found: among the people, whether it’s in the streets of Harlem or a Civil War reenactment . Conan’s late-night career went through many phases , all of them worthy, but in retrospect, it feels like the format was holding him back. Conan O’Brien Must Go isn’t just a hilarious return to form: It’s one of the best things he’s ever done. Let’s hope the show’s Season 2 renewal will be a matter of when, not if. With Conan at the helm, there are so many more countries worth exploring—and defiling.

Next Up In TV

Apple gets into the franchise business, the penultimate episode of ‘shogun,’ and ‘ripley’ episodes 4 and 5.

• ‘Survivor’ Season 46, Episode 8
• ‘X-Men ‘97’ Ep. 6, and ‘Shogun’ Ep. 9
• Hollywood’s Struggle to Reinvent Itself
• Into the Tubi-Verse
• Felicity’s Virginity With Andrea Newman and Susanne Daniels (Eps. 116-117)

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Tjek-ind tiden er garanteret i alle husene fra kl. 15. Tjek-ud tiden er kl. 10.

Kan jeg tjekke ind tidligere eller tjekke ud senere?

Med Early Check-in for € 12,50 er du garanteret at kunne tjekke ind på dit værelse fra kl. 11.00. I weekenden gælder tidlig indtjekning kun fra kl. 12.00. Du kan bestille denne service for enkelt-, dobbelt- eller familieværelser på aohostels.com.  

Sen udtjekning indtil kl. 14.00 for 12,50 euro giver dig mulighed for at sove længe. Kan også reserveres online.

Kan jeg stadig tjekke ind på a&o hostel efter kl. 18.00?

Gæster med en FIX-reservation (billigere pris; allerede betalt på forhånd) kan ankomme når som helst uden tøven.

Gæster med en FLEX-reservation (skal betales på stedet; kan afbestilles gratis indtil kl. 18.00) anbefales at ringe til os på +49 30 80 947 5110 for at få deres reservation garanteret ved at give en af vores medarbejdere deres kreditkortoplysninger for en sikkerheds skyld. Så kan du ankomme efter kl. 18.00 uden problemer. Kreditkortet bruges kun som sikkerhed - ved ankomsten betaler du som normalt på stedet. Kortet vil kun blive debiteret, hvis du stadig ikke ankommer. Uden kreditkort kan vi ikke garantere, at dit værelse er tilgængeligt efter kl. 18.00.

Er der Wi-Fi på a&o hostel?

Alle a&o hoteller og vandrerhjem tilbyder gratis trådløs internetadgang i hele bygningen og på værelserne.

Kan jeg parkere ved a&o hostel?

Næsten alle a&o'er har deres egen parkeringsplads eller underjordiske garage. Parkeringspladser kan lejes fra €5 pr. dag og køretøj.

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Der er gratis busparkering i nærheden af husene, for biler tilbyder vi betalt parkering (parkering fra 5,00€/dag, i a&o's med egen parkeringskælder fra 12,50€).

Hvilke slags måltider får jeg på a&o hostel?

Du kan nyde en rig morgenmadsbuffet for kun 11 € i Tyskland, Polen, Ungarn, Skotland, Danmark og Tjekkiet. Prisen for morgenbuffeten er 10,65 € i Holland og 9,90 € i Italien og Østrig. Bemærk venligst, at priserne kan variere i lande, hvor euroen ikke accepteres som betalingsmiddel. Du kan bestille morgenmad online til en reduceret pris på 10 €. For børn op til 6 år er morgenbuffeten gratis, fra 7 år koster buffeten 4,65 € pr. barn.

Morgenmadstiderne er mandag til fredag fra kl. 7.00 til 11.00 og lørdag til søndag fra kl. 7.00 til 11.00. For grupper på 10 eller flere tilbyder vi også middag (efter aftale). På anmodning kan vi lave madpakker til 7,90 € (grupper på 10 eller flere får 0,50 € i rabat). Dette inkluderer en sandwich, frugt, en sød godbid og en drink. For detaljerede oplysninger, klik  her .

Vi sætter pris på din forståelse for, at frokost og/eller middag ikke kan tilføjes for individuelle gæster. Du er dog velkommen til at bestille madpakker på forhånd online eller på stedet (en dag før påkrævet).

Kan jeg også lave mad til mig selv på a&o hostel?

Du kan naturligvis også selv sørge for mad på vores hoteller. Det er bedst at tjekke på forhånd, om den a&o, du har booket, har et gæstekøkken.

Du kan finde disse oplysninger enten i den e-mail, vi sender dig 48 timer før din planlagte ankomst, eller på vores websted   her .

Må jeg tage mine kæledyr med til a&o hostel?

Hunde er altid velkomne på alle a&o vandrerhjem! 

Du er derfor velkommen til at indkvartere højst 2 hunde på dit værelse mod et gebyr på 93 Kr. pr. nat pr. kæledyr.

Det er desværre ikke muligt at medbringe hunde, hvis man ønsker at overnatte i et af de fælles værelser, da de andre gæster ellers kan føle sig forstyrret. Derfor er det heller ikke tilladt at medbringe hunde i morgenmadslokalet. Vi beder derfor om Deres forståelse.

Kan jeg opbevare min bagage midlertidigt på a&o hostel?

Du har mulighed for at opbevare din bagage i vores garderobeskabe. Der er også et gratis bagagerum til rådighed for grupper.

Er der nok plads i fællesrummene til mig og min gruppe?

Ja, de har plads nok til mindre og mellemstore grupper. Hvis værelset stadig er for lille, stiller vi vores spisestue til rådighed for dig. Dette gælder naturligvis kun uden for spisetid.

Hvilke husregler skal jeg overholde?

Her kan du se og downloade Husordenen.

Skal jeg betale turistskat, når jeg foretager min reservation?

Vigtige downloads for dit ophold I byer som Amsterdam, Berlin, Dortmund, Dresden, Graz, Hamborg, Köln, Weimar og Salzburg skal turister betale overnatningsskat.

Skatten kaldes "City Tax" i Amsterdam | Übernachtungssteuer" i Berlin | "Beherbergungsabgabe" i Dortmund | "Kulturförderabgabe" i Köln og Weimar | "Kultur- und Tourismustaxengesetz" i Hamborg | "Nächtigungsabgabe" i Graz | "Beherbergungssteuer" i Dresden | "Ortstaxe" i Salzburg

I visse tilfælde er overnattende gæster dog fritaget. For at du kan få mulighed for at blive fritaget for turist/kurafgift, bør du - såfremt relevant - udfylde den respektive blanket (se blå boks) og medbringe denne ved din ankomst.

OBS - særlige bestemmelser:

AMSTERDAM: Alle gæster skal betale 7% af netto-overnatningsprisen. De tilsvarende regler kan du se på originalsprog her .

BREMEN: All guests older than 18 years pay a tourist tax of € 2,14 per day (including 7% value added tax) to the city of Bremen. Exempted are freelancers and employees who are staying for business purposes. The exemption forms can be found below.

Guests staying longer than 7 nights in a row are also tax-free from the 8th day on.

BUDAPEST: Übernachtungsgäste i Budapest zahlen siden 2020 eine Tourismusentwicklungssteuer i Höhe von 4% auf den Netto-Übernachtungspreis

SALZBURG: Alle gæster skal betale 1,55 € ”Ortstaxe” per dag. Fritaget er skoleklasser/elevgrupper og personer under 16 år og personer, der overnatter i mere end to uger i erhvervs/arbejdssammenhæng. Venligst fremlæg tilsvarende oplysninger på en blanket.

VENICE: In Venice tourists pay the "tassa soggiorno", a residence tax for tourists who stay overnight, depending on the high or low season and the type and location of the accommodation.

a&o Venice Mestre is a "Foresterie per Turisti" accommodation on the mainland. This means, that in the main season (1 February - 31 December) you pay only 1.40 € per person and night (all 16 years and older). In the low season (month of January) it is 1 € per person and night.

Children up to 10 years of age are excluded. For 11 to 15 year olds there is a 50% discount. So, young people pay 0.70 € per person and night (except in January: only 0.50 €). From the 6th night onwards the tax is omitted.

People with disabilities or impairments are tax-free.

Important for group travel: Per 25 travellers one bus driver or teacher will not be charged with the tax.

#1 Almene infoblanketter omkring skat/afgift

#2 Dokumenter for grupper (skoleklasser) i sammenhæng med (videre)uddannelse:

#3 Gæster på erhvervsrejse/i arbejdsøjemed (arbejdsgiverattest):

Særlige regler for Salzburg: Ved ophold i mere end 2 uger skal der ikke betales kurafgift. Venligst fremlæg et dokument, der kan attestere, at du tilbringer mere end 2 uger i byen.

Dortmund: Husk din arbejdsgivers frigørelsesattest med oplysninger om den forretningsmæssige sammenhæng (gæstens navn, tidsrummet for forretningsrejsen med dato for ankomst og afrejse, årsag for rejsen).

#4 Gæster på forretningsrejse (attest for erhvervsdrivende/selvstændige):

Getting to a&o

Du finder den nøjagtige rute ved at klikke på det a&o, du skal bo hos (se "rutevejledning")

Hvornår kan jeg tjekke ind eller tjekke ud regelmæssigt?

Det er muligt at tjekke ind når som helst. Du kan gå ind på dit værelse fra kl. 15.00.

Check-out fra mandag til fredag er indtil kl. 10.00. I weekender og på helligdage indtil kl. 11.00.

Hvad gør jeg, hvis jeg har glemt noget på a&o?

Kan jeg også bo på a&o hostel som mindreårig.

Fra 14 års alderen er det generelt muligt at komme alene. Det eneste, der kræves, er en underskrevet samtykkeerklæring fra forældrene og en kopi af den underskrivende forælders ID-kort. Du kan finde en formular og yderligere oplysninger her.

Hvordan kommer jeg til a&o hostel?

Hvilke værelseskategorier er tilgængelige på a&o hostel.

På næsten alle vores a&o hoteller finder du enkelt-, dobbelt- og familieværelser, og der kan også bestilles senge i fællesværelser til fire til otte personer.

*Udtagelser fra denne regel er a&o hostels Cologne Cathedral / Munich Central Station / Hamburg Hammer Church, som kun har private værelser, men hvor senge i flersengsværelser ikke kan bookes.

Du har altså to muligheder for at booke hos a&o:

- Første mulighed:

Du booker et privat værelse, dvs. et enkelt-, dobbelt- eller familieværelse. Prisen omfatter sengelinned, håndklæder, 2in1-shampoo, hårtørrer, og du kan nyde komforten af dit eget badeværelse.

- Anden mulighed:

Du booker en sovesal, dvs. en seng i et fælles værelse. Denne variant står for en billig overnatningsmulighed i en ukompliceret atmosfære. Hvert værelse har eget badeværelse med 2in1-shampoo og hårtørrer. Håndklæder og sengelinned kan tilføjes uden forpligtelser.

*Herfra undtaget er vores a&o Hamburg Reeperbahn, hvor der stadig er nogle få fælles badeværelser.

Kan jeg bestille billetter til sightseeing osv. via a&o?

Vi gør det nemt for dig at finde passende attraktioner, før du ankommer: Når du booker en seng eller et værelse online, bliver du i næste trin spurgt om ekstra ydelser som morgenmad, parkering osv. Vi anbefaler CityCards her! På dette tidspunkt anbefaler vi CityCards! Disse "kort" omfatter også en billet til offentlig transport - museer og kultur- og fritidsfaciliteter er således stærkt reduceret.

Køb billetter til din nye yndlingsattraktion hjemme fra dit eget hjem.

Hvis du allerede er på stedet, skal du blot tale med vores kolleger i receptionen. Vores venlige personale har et udvalg af billetter af forskellige typer klar til dig og vil naturligvis hjælpe dig.

Vi gør det nemt for dig at finde passende attraktioner, allerede inden du ankommer: Når du booker en seng eller et værelse online, bliver du i næste trin spurgt om yderligere tjenester såsom morgenmad, parkering osv. På dette tidspunkt anbefaler vi CityCards! Disse "kort" omfatter også en billet til offentlig transport - museer og kultur- og fritidsfaciliteter er således stærkt reduceret.

Køb billetter  til din nye yndlingsattraktion hjemme fra dit eget hjem.

Kan jeg få min post sendt til receptionen?

Hvor længe kan jeg bruge min parkeringsplads.

Som regel kan du bruge din reserverede parkeringsplads, så snart du er ankommet. Vi har normalt så mange parkeringspladser i byerne med deres egne parkeringsfaciliteter, at det er nemt at finde en ledig plads.

Retten til din parkeringsplads begynder normalt ved starten af dit ophold hos os, dvs. ved ind- og udtjekningstidspunktet: kl. 15.00 til kl. 10.00 næste morgen (eller kl. 11.00 i weekenden).

Kan jeg opbevare min cykel på a&o hostel?

Kan jeg ankomme til a&o hostel uden mine egne håndklæder og sengelinned.

Der er sengelinned og håndklæder på alle enkelt-, dobbelt- og familieværelser. Kun gæster i flersengsværelser har brug for håndklæder, hvis de ikke har medbragt deres egne. Du får et håndklæde for 1,65 € enten i receptionen eller som en online-funktion, når du booker dit ophold.

I familieværelser har du en dobbeltseng og en eller to køjesenge til rådighed. Familier kan selv benytte de gratis køjesenge til børn (gratis for børn op til 6 år).

Må jeg ryge på a&o hostels?

Siden den 1. januar 2008 har rygning været helt forbudt på vores vandrerhjem.

Vil mit værelse på a&o hostel blive rengjort?

Værelserne på både hotellet og vandrerhjemmet bliver dagligt kontrolleret. Af hensyn til en skånsom og forenelig brug af ressourcerne undlader vi at foretage en daglig total rengøring med kemikalier. Vi fylder hygiejneartikler op, bortskaffer affaldet og foretager naturligvis en grundrengøring ved afrejse.

Af hensyn til miljøet kan du bede om et nyt håndklæde i hotellets reception (mod et mindre tillægsgebyr) eller blot lade dit håndklæde hænge på krogen i badeværelset til yderligere brug.

Er der et rum specielt for kvinder?

Vi tilbyder naturligvis delte værelser med kun kvinder som beboere. Du kan bestille disse nemt online - et lyserødt bånd på billedet viser dig den korrekte værelseskategori.

Har a&o vandrerhjemmene også barrierefrie værelser?

Du finder barrierefrie værelser på næsten alle a&o hoteller og vandrerhjem. Du er velkommen til at ringe til os på +49 30 80 947 5110.

Er der et legehjørne for børn med opsyn fra a&o?

I alle a&o'er er der et "børnehjørne" med legetøj, malebræt, farveblyanter og børnebøger. I nogle a&o's har børnehjørnerne endda rutsjebaner eller legehuse. Dine børn kan slappe af, mens du slapper af og nyder en kop kaffe i lobbyen eller i morgenmadslokalet.

Vi tilbyder ikke intern børnepasning, men vi kan tilbyde dig et godt babysitternetværk i nogle byer, som du kan kontakte uafhængigt af hinanden.

Er der rabat til pressen hos a&o?

Journalister får 20 % rabat på overnatninger på vores hoteller. Indehavere af et MICE Travel Card får også denne særlige rabat. Kontakt venligst [email protected] og send en kopi af dit gyldige pressekort samt dine rejseoplysninger til presseafdelingen. a&o giver rabatten på alle værelseskategorier. Bemærk venligst, at rabatten kun gælder for det værelse, som indehaveren af badget bor på.

a&o sender dig derefter en bookingbekræftelse for den nedsatte pris. Ved ankomsten bedes du fremvise dit gyldige pressekort - hvis receptionisten anmoder om det.

Du skal være opmærksom på, at denne rabat ikke kan kombineres med andre a&o rabatter.

Kan jeg blive fast kunde hos a&o?

Som "frequent traveller" får du en særlig behandling hos a&o - i lighed med de store flyselskaber. For 69 € kan du bestille dit a&o Traveller Card i receptionen eller via telefon/mail. Hvis du har brug for mere end ét a&o Traveller Card, vil vi også gerne imødekomme dig her : Prisen for det andet a&o Traveller Card er 60 €, og hvert ekstra koster 50 €.

Du kan finde alle fordelene ved dette kort for dig som vores gæst her. Vi gør opmærksom på, at Traveller Card ikke kan kombineres med andre a&o rabatter.

Er der rabat for børn hos a&o?

Børn op til 7 år kan bo gratis på værelset. Familier vælger normalt værelseskategorien "familieværelse" (beregnet til 4-6 personer, på nogle hoteller også til 8 personer). Værelsesprisen afhænger af antallet af forældre (værger), der rejser med børnene. De små er altid velkomne. Derfor stiller vi gerne gratis barnesenge (op til 2 år anbefales) og barnestole til rådighed, hvis det er nødvendigt.

Du behøver ikke at bekymre dig om noget - børnerabatten tæller automatisk med, når du bestiller. Derfor kan du også kombinere andre rabatter.

Er der studierabat hos a&o?

Som studerende med et gyldigt ISIC- eller ITIC-kort får du 10 % rabat på dagsprisen på alle a&o'er. Du skal blot indtaste rabatkoden isic i rabatkodefeltet, når du booker online på aohostels.com. 

Kan jeg købe kuponer til a&o hostels?

Du kan købe vores "a&o TO GO blue" værdikupon-sæt til en værdi af 119,- € til dig selv eller til særlige formål eller lejligheder. Sættet indeholder 2 nætter i dobbeltværelse for 2 personer med morgenmad. Børn under 7 år sover gratis i forældrenes værelse. Til backpackere anbefaler vi den fordelagtige "a&o TO GO orange"-æske til 29,- €. Den indeholder 2 nætter for en person i flersengsværelse med wifi og sengelinned. Du finder mere information her.

I vores online-shop finder du derudover mange flere  interessante artikler.

Hvordan er priserne hos a&o sammensat?

Vores priser er baseret på tilgængelighed - helt fair, helt gennemsigtigt! Det betyder, at hvis der er mangel på senge i en værelseskategori på en bestemt dato, vil priserne også stige, og de vil automatisk falde, hvis den ønskede belægningsgrad ikke nås. Hvad betyder det for dig? Jo tidligere du bestiller, jo billigere er prisen. Og de, der beslutter sig i sidste øjeblik, kan nyde godt af de gode last minute-tilbud - naturligvis kun så længe den pågældende kategori ikke er fuldt booket.

Hvad er afbestillingsgebyrerne på a&o hostels?

Afbestillingsomkostningerne afhænger af den bookede pris. Hvis du har bestilt vores Flex-pris, kan du til enhver tid annullere gratis. Ellers vil værelset blive holdt til rådighed for dig indtil kl. 18.00 på ankomstdagen. Du bedes venligst informere os med kort varsel, hvis du ankommer senere. Den faste rente er, som navnet antyder, "fast", dvs. den kan ikke opsiges. Prisen kan heller ikke refunderes i tilfælde af udeblivelse. Derfor er denne sats særlig gunstig.

Der gælder særlige afbestillingsregler for grupper på 10 eller flere personer, som du kan læse mere detaljeret om i vores gener elle vilkår og betingelser.

Hvordan kan jeg betale på a&o hostels?

Du kan vælge mellem en række betalingsmuligheder. Vi giver dig mulighed for at betale din regning med Sofortüberweisung, med kreditkort (VISA eller MasterCard), Paypal eller via direkte debitering. Når du betaler med Paypal, opkræver vi et behandlingsgebyr på 2,45 €, hvis beløbet er under 200 €. Du bør kun vælge proceduren med direkte debitering, hvis din ankomst ikke finder sted inden for de næste 5 dage.

Skal jeg betale et depositum for gruppebookinger?

Vi opkræver ikke depositum, men vi forudsætter selvfølgelig at også større grupper overholder ro og orden.

Kan jeg bo på a&o hostel i en længere periode?

Hvis du bor hos a&o i en længere periode, tilbyder a&o dig eksklusive fordele for faste gæster via Traveller Card. Du kan finde alle de vigtige oplysninger her .

Hvis du ønsker at bo sammen med mange mennesker, i længere tid eller med regelmæssige mellemrum, rådgiver vi dig gerne yderligere på et individuelt grundlag. Salgsteamet vil tage sig af din forespørgsel kompetent på e-mailen: [email protected] .

Kan jeg ændre min faktureringsadresse senere?

a&o partner

Locations of our a&o Hostels

• Hostel Aachen
• Hostel Berlin
• Hostel Bremen
• Hostel Budapest
• Hostel Dortmund
• Hostel Dresden
• Hostel Düsseldorf
• Hostel Edinburgh
• Hostel Firenze
• Hostel Frankfurt
• Hostel Graz
• Hostel Hamborg
• Hostel Köln
• Hostel København
• Hostel Leipzig
• Hostel München
• Hostel Nürnberg
• Hostel Prag
• Hostel Rotterdam
• Hostel Salzburg
• Hostel Stuttgart
• Hostel Venedig
• Hostel Warszawa
• Hostel Weimar
• Hostel Wien

Important Links

• Kooperationer
• Presse & downloads
• Databeskyttelse

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