Real test ICDL-ACCESS study guide questions available for actual test

At, we convey thoroughly legitimate ICDL ICDL-ACCESS study guide Questions and Answers that are recently needed for the Passing ICDL-ACCESS test. We empower people to prepare the Questions and Answers and Certify. It is a superb choice to accelerate your situation as a specialist inside the Industry. ICDL-ACCESS Questions and Answers with VCE practice test is best to get high marks in ICDL-ACCESS exam.

Exam Code: ICDL-ACCESS Practice test 2023 by team

The ICDL (International Computer Driving License) is a globally recognized certification for computer literacy. The ICDL-ACCESS test specifically focuses on the Access module, which covers the essential skills and knowledge required to use Microsoft Access, a database management system.

Here are the details of the ICDL-ACCESS exam:

Number of Questions: The exact number of questions may vary, but typically the test consists of around 45 to 50 multiple-choice questions.

Time Limit: The time limit for the ICDL-ACCESS test is usually around 45 to 60 minutes.

Exam Objectives:
The ICDL-ACCESS test tests your proficiency in using Microsoft Access and covers the following key objectives:

1. Access Basics: Understanding the basic concepts and features of Access, such as creating and saving a database, working with tables, forms, and reports.

2. Tables and Data Entry: Creating tables, defining field properties, entering and editing data, sorting and filtering data, and performing calculations.

3. Forms: Creating and modifying forms, adding controls, customizing form layouts, and applying form properties.

4. Queries: Creating queries, specifying criteria, sorting and filtering query results, creating calculated fields, and using query wizards.

5. Reports: Designing and modifying reports, adding controls, grouping and sorting data, applying formatting, and printing reports.

6. Database Management: Managing databases, importing and exporting data, linking tables, creating relationships, and setting up validation rules.

Course Outline:
The ICDL-ACCESS course typically covers the following topics:

1. Introduction to Microsoft Access
2. Creating and Managing Databases
3. Working with Tables and Records
4. Creating and Customizing Forms
5. Querying and Filtering Data
6. Designing and Formatting Reports
7. Database Management and Advanced Features

Please note that the course outline may vary slightly depending on the training provider or educational institution offering the ICDL-ACCESS certification.

ICDL the access
ICDL access benefits
Killexams : ICDL access benefits - BingNews Search results Killexams : ICDL access benefits - BingNews Killexams : Benefits of open access

Open Access (OA) makes scholarly research permanently available online without restriction, which can provide benefits to all those who have a stake in the scholarly publishing process – researchers, funders, students, librarians, scholarly societies, publishers and the general public. For Cambridge University Press, OA plays an important part in allowing us to fulfil our mission of furthering the advancement of learning, knowledge and research worldwide.

Gold OA and Green OA each present opportunities as well as risks for journals and books. We help authors and our journal publishing partners to consider OA options whilst understanding that different publications, in different subject areas, need an approach that is tailored to their circumstances.

The benefits of OA include:

Discoverability and dissemination:
OA works are freely available online for anyone in the world to access and share. Researchers can access OA literature, even outside a university campus, without encountering paywalls. Authors can benefit from the open availability of their research to others, potentially leading to an increase in the visibility and usage of their work. Many funding agencies have encouraged or mandated OA because the potential for enhanced visibility and discoverability promises a greater return on their investment.

Educational and other re-use:
Gold OA works can often be re-used without needing to request additional permission from publishers. For example, an OA article could be re-published in a university course package, or translated by someone into a different language, or figures or text from an article could be re-used in a presentation. Through Gold OA it is possible to enable anyone to make derivative versions of your work, depending upon the particular Creative Commons licence you apply.

Public access and engagement:
OA means greater access for society at large and potentially greater public engagement with research. OA can help professionals outside academia who rely on research – including health workers, teachers and lawyers – to benefit from access to the latest findings.

Mon, 16 Apr 2018 05:01:00 -0500 en text/html
Killexams : Changes to SNAP benefit eligibility requirements take effect Sept. 1: Here’s how you could be impacted No result found, try new keyword!If you’re enrolled in the U.S. Department of Agriculture’s SNAP program, get ready, you could be impacted by new changes affecting eligibility to receive benefits taking effect Sept. 1. The changes ... Wed, 23 Aug 2023 00:29:52 -0500 en-us text/html Killexams : Benefits Overview

As an employee of Drexel University, you are our most valuable asset! Drexel University offers a variety of programs and offerings to fit your personal and professional needs: robust health plans, generous paid time off packages, extensive voluntary benefit options, best-in-class fertility and adoption assistance, work-life and employee assistance support, tuition remission/exchange programs and an exceptional retirement savings program. These benefits provide the foundation for a healthy and secure future while allowing employees to focus on their work knowing their well-being is taken care of which is a top priority of the University.  

Drexel’s comprehensive and competitive benefits package includes health, Rx, dental and vision coverage, Along with a Defined Contribution 403(b) retirement plan and a 457(b) supplemental plan for certain employees. Drexel also strives to provide employees with a solid work-life balance through its A Heathier U programs. There are voluntary benefits available during the new hire window or Open Enrollment period and ones that can be accessed all year long, along with discount programs (administered through Corestream). All employee benefits are explained throughout this section and listed in the table below.

To be eligible for Drexel’s health and welfare benefits, you must be employed in a benefits-eligible position on a regular University payroll and work at least 20 hours per week. Eligibility requirements for represented employees may vary by union contract. The benefit eligibility overview [PDF] includes eligibility criteria for all benefits and Drexel faculty and professional staff.

To enroll, waive or view benefits information, log in to the My Drexel Benefits portal under the Employee tab in DrexelOne.

Important Benefits Deadline: You must complete your benefit enrollment within 31 days from your date of hire. After your 31-day enrollment window closes, most benefits may only be changed during the University's annual open enrollment period. Please review the Benefits Guide and New Hire Checklist [PDF] for more information. If you take no action within 31 days, you will be automatically enrolled as follows:

  • Medical Coverage: You will be automatically placed in the Point of Service Plan (or PPO Basic, if out of area) at the employee-only coverage level, and premiums will be deducted from your paycheck. No changes may be made until the next annual enrollment period.
  • Retirement: You will be automatically enrolled at two percent of your salary. You may change or cancel contributions at any time. All contributions that have been deposited into your TIAA account must follow the withdrawal rules of the plan.


Job Role  Hours/Work Requirements 
Full-time Faculty 100 percent teaching appointment
Full-time Professional Staff Regular schedule of 40 hours per week
Part-time Faculty At least a 50 percent appointment, but less than 100 percent
Part-time Professional Staff Regular schedule between 20 and 39 hours per week

Benefits at a Glance [PDF]

Fact Sheets

Full-time Faculty Full-time Staff Part-time Faculty Part-time Staff Per Diem, Casual, Temporary Adjunct

Whom to Contact With Questions

Employees who have questions regarding their benefits may use the following contact options:

Benefits Structure

Tue, 03 May 2022 03:34:00 -0500 en text/html
Killexams : Voluntary Benefits

Drexel University's Dragon Perks provides a variety of benefit and discount offerings that best fit your needs. You can find coverage for anything from home insurance to identity theft protection. Included in your Dragon Perks are several discounts for amusement parks, fitness clubs and even warranties. Discounts change regularly, so check out what is offered today.

Dragon Perks are available to full-time and part-time employees and are 100 percent employee paid through convenient payroll deductions. You can enroll at any time without a qualifying life event.

To access Dragon Perks, visit DrexelOne, and under Employee tab, click My Drexel Benefits. This will send you to your benefits portal. From there, click on "Your Toolbox," and then "Dragon Perks."

The Health Care Flexible Spending Account (FSA) is a pre-tax savings account to be used for eligible health care expenses for you and your dependents. Such expenses include coinsurance, deductible amounts, provider's office visit, prescription drug costs, orthodontia, chiropractic care or vision care expenses. The maximum amount you can contribute in 2023 is $3,050. The benefit has a "use it or lose it" feature; however, up to $610 of your balance will carry over to the next year, and any funds over the carry over amount will be forfeited.

You can manage your FSA online through the Drexel benefits portal. To access the portal, select the "My Drexel Benefits" link on the Employee tab of DrexelOne. If you have questions or need assistance, contact the Drexel University Benefits Center at 844.690.3992 or

The Dependent Care Flexible Spending Account is an FSA that allows you to be reimbursed for expenses relating to the care of your dependents while you or your spouse/domestic partner are at work or attending school full time. The 2023 Dependent Care FSA contribution limit is $5,000 a year for individuals or married couples filing jointly, or $2,500 for a married person filing separately. The dependent care program has a "use it or lose it" feature, in which all funds not used by the end of the year are forfeited.

The Dependent Care Spending Account can be used for:

  • Pre- and after-school daycare expenses for children up to age 13.
  • Non-residential summer camp expenses for children up to age 13.
  • Full-day daycare expenses for children up to kindergarten.
  • Expenses for non-residential daycare for an eligible parent or parent-in-law.

You can manage your FSA online through the Drexel benefits portal. To access the portal, select the "My Drexel Benefits" link on the Employee tab of DrexelOne. If you have questions or need assistance, contact the Drexel University Benefits Center at 844.690.3992 or

Non-Drexel Parking Facilities and Mass Transit

The Commuter Program allows you to set aside pre-tax dollars for commuter expenses by contributing a specific monthly dollar amount that will be loaded onto a Mastercard Debit Card. You can then use this debit card to purchase products directly from transit and off-campus/non-Drexel parking vendors. The maximum pre-tax amount that may be contributed to both the parking and mass transit account is $280 per month. These maximums are subject to change under Federal tax law. Prospective changes are permitted. No qualifying life event is required.

You will be notified if any such changes occur during the year.

Monthly commuter funds are deposited within the first seven business day of the previous month. For example, May’s commuter funds will be deposited into within the first seven business days of April.

You can adjust your contributions on a month-to-month basis. Any changes to your monthly election must be made by the first of the month prior to the month in which the change applies. For example, March ‘s election must be entered by Feb. 1. Initial elections will automatically default for future months unless you choose to cancel or change a specific month. The last payroll deduction of the month pertains to the pass for that current month. You will be required to re-enroll in the benefit each annual enrollment. Due to IRS restrictions funds cannot be transferred between Transit and Parking accounts and unused funds cannot be refunded.

To select your monthly contribution:

  • Log in to DrexelOne.
  • Go to the Employee tab and under Benefits Administration, select My Drexel Benefits.
  • On the Benefitexpress homepage, on the right hand side of the screen under Commuter Benefits, select Change.
  • Then enter a monthly amount for either Transit and/or Parking.

Please contact Benefitexpress with your questions about the Commuter Program: 1.844.690.3992 or

Did you know? You can also use your pre-tax transit dollars to pay for eligible UberPool, Lyft Line, and Via rides associated with your daily commute! Simply request a ride via the appropriate app, select your benefit debit card as your payment method, and start saving.

Commuter Deduction Schedule

Drexel Parking Facilities

You can elect to pay for parking at Drexel parking garages/lots on a pre-tax basis through the convenience of payroll deduction. You will need to work with Drexel Parking Services to set this up. If you park at a Drexel parking lot and have signed a contract with Drexel Parking Services, you do not need to participate in the Commuter Program for parking purposes. For additional information, visit the Drexel Parking Services webpage.

Provided through Hyatt Legal Services, this group legal assistance plan provides basic legal services such as phone consultations and simple will preparation. Enrollment into this plan must be completed during the open enrollment period before the start of the new plan year or as a new hire.

Long-term care insurance (LTC) provides a "safety net" to help you afford long-term care for yourself or a family member if needed. Genworth Financial provides a range of coverage options that pay for care in a variety of settings including care at home, in assisted living facilities, and in nursing facilities. The coverage includes both a monthly maximum benefit and a lifetime maximum benefit. The cost depends on the coverage level, your age, and when you apply. LTC is portable, so if you retire or leave Drexel University, your coverage continues as long as you pay the premiums. Not to be confused with disability insurance, which pays a portion of your salary should you become disabled, LTC covers the real costs for covered in-home and facility care (up to your chosen monthly maximum amount). More information about this Dragon Perk can be accessed through the My Drexel Benefits portal.

With Kashable, employees can access socially responsible, low-cost loans and pay for them through automatic payroll deductions. Your loan amount is customized to meet your needs and individual budget. You can complete the entire application process online within a few minutes, and the funds are deposited electronically into your bank account within three business days. More information about this Dragon Perk can be accessed through the My Drexel Benefits portal.

Pet health insurance, offered through Nationwide®, helps you cover ongoing or unexpected veterinary costs. Choose a plan with or without wellness coverage and get reimbursed 90 percent for eligible vet expenses. Take advantage of payroll deduction and simple pricing with no age restrictions. See any vet worldwide, including specialists or emergency providers. More information about this Dragon Perk can be accessed through the My Drexel Benefits portal.

Short-term disability is an employee-paid, voluntary benefit, insured through the Designated Insurance Carrier. This provides income continuation to faculty and professional staff members who are unable to work for a continuous period of more than 14 days due to a non-work related illness or injury, which prevents the performance of normal duties of their position.

There is a standard plan or an enhanced plan to choose from. In order to access this benefit, election must be made during the Open Enrollment period, into one of these two plans for the plan year in which a disability commences. An employee cannot enroll in both plans.

You may elect to purchase supplemental AD&D Insurance for yourself, your spouse and/or dependent children.

This option provides you with the opportunity to elect additional Group Term Life Insurance for yourself, your spouse and your dependent children (no one may be covered more than once under this plan). Note that you do not have to elect coverage for yourself as an employee in order to elect spouse and/or dependent child coverage. You may elect one, two, three or four times your annual salary in coverage up to a maximum benefit of $2,500,000. Spousal coverage of up to $150,000 and dependent child coverage of $5,000 or $10,000 is also available.

Liberty Mutual partners with Drexel University to provide flexible options and discounted rates on home and auto insurance. There are convenient billing options with special savings when you pay your bill in full or choose an automatic payment method. Contact John Mullarkey for a free quote based on your personal situation.

Mon, 30 Oct 2017 08:10:00 -0500 en text/html
Killexams : Military and Veteran Benefits 2023 Military Pay Charts

Military pay will see a 4.6% increase for 2023 compared to 2022 levels, after President Joe Biden signs the new rate into law. These military pay tables apply to active members of the Navy, Marine Corps, Army, Air Force, Coast Guard and Space Force.

Mon, 25 Apr 2022 08:41:00 -0500 en text/html
Killexams : How to Access Social Security Benefits During the Coronavirus Pandemic Killexams : Access Denied You don't have permission to access "" on this server.

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Fri, 07 Aug 2020 07:08:00 -0500 text/html
Killexams : How to cash in on financial wellness benefits

Employers are investing in financial wellness benefits to meet the needs of their workforce. But the biggest beneficiaries may be the organizations themselves. 

According to exclusive research from Arizent, the parent company of Employee Benefit News, financial wellness benefits like retirement plans — as well as newer and more in-demand benefits like student loan tuition reimbursement, earned wage access benefits, and financial literacy and education resources — are high priority for employers across industries. And what they're getting in return are high retention rates and more competitive tools to recruit top talent. 

Among financial support offerings, the research found that 79% of employers are prioritizing retirement benefits, while 32% say financial wellness benefits are their top priority this year. A quarter of those employers have increased their benefits around retirement plans, and 23% have boosted their financial wellness suite, pointing to the increased need and demand for this kind of support. 

Read more: What the Supreme Court's ruling on student loan forgiveness means for employees 

For employers, these offerings are a critical piece to moving their recruiting efforts forward while retaining their current workforce. Thirty-eight percent of employers say that offering retirement benefits is "absolutely essential" in recruitment and retention efforts. While just 8% listed financial wellness benefits as an essential need, 37% said benefits that addressed an employee's financial health were "somewhat important" in their recruiting and retention strategies, according to the research. 

"As a public sector entity, we are not able to match what the private sector offers for salaries so we looked for ways to set ourselves apart," a survey respondent shared in the report. "The strength of our retirement programs and financial education helps us attract and retain employees." 

'More and more critical' 
Over the last several years, employees have found themselves in increasingly precarious financial situations, saddled with high debt and an uncertain economy. But that stress isn't just impacting their life at home: 66% say their financial stress negatively impacts their productivity at work, according to a June report by Morgan Stanley.  

As employers continue to manage the fallout of the Great Resignation, which saw record numbers of employees leave the workforce entirely or switch jobs at high frequency, benefit leaders have had to get more creative in their efforts to attract and retain talent. For many, promising employees a secure financial future is a strategy that's paying off. 

Read more: Financial stress is taking a toll on employees' social lives 

"Recruitment, retainment, flexibility in financial matters and education in financial matters all point to total employee engagement," said a respondent, when asked by Arizent what motivated their company to offer financial wellness benefits. Another employer shared that while they initially added these benefits to support their recruiting efforts, the benefits are now necessary to support their current staff. 

"With the increase in inflation and the progressive increase in housing prices and cost of living, it has become more and more important and critical that employees understand their benefits and are financially stable," the respondent said in the research. 

Taking the next step 
Simply offering these benefits is only the first step — the Arizent data revealed that utilization in these offerings still remains relatively low. Only 15% of employers characterized their financial benefits as being "very well utilized," pointing to a gap in what's available and employee engagement. 

This disparity has given employers pause around how much investment they should be making outside of the traditional 401(k) benefit. Employers cited this lack of engagement as a factor for why they don't plan to offer financial benefits beyond retirement planning, with 37% saying that a lack of employee interest was the biggest challenge, compared to 55% that cited the cost to the employer as a barrier.  

"Employees don't understand how to use the benefits to their advantage and are not sure how well it will help them in retirement," one respondent said in the survey. They also shared they would consider offering these benefits "if more employees started asking are willing to use them and take advantage of them." 

Looking beyond the bottom line 
Whether employees use the benefits, they still overwhelmingly want them: 74% of workers said they would be likely to leave their job for an employer that offered better financial benefits, increasing to 79% for millennials and 84% for Gen Z, according to a report by Betterment at Work. Beyond having better savings habits and more stable finances, employees cite good mental health and loyalty to their employer as reasons they'd take advantage of these benefits. 

Read more: Financial education can help employees keep their retirement savings intact 

Employers see those positive impacts when the right benefits are in place: Arizent's data found that beyond retention and recruitment, 41% said employees are less stressed, 39% said it improved mental health and 47% believed financial support led to a more satisfied workforce. 

For employers, financial wellness benefits aren't just a generous gesture: they support employee well-being in and out of the workplace, and solidify the message that employers are committed to the total health of their workforce. 

"The toll the pandemic took on our employees' mental health, we knew we had a responsibility to take care of our people," shared one respondent when asked what motivated them to provide financial wellness benefits. 

Another respondent shared that financial education can help employees with far more than just their budget, sharing, "Our low wage earners need to learn how to be financially well and stable. It encompasses so much more — health, well-being, mental health and happiness." 

Mon, 17 Jul 2023 17:30:00 -0500 en text/html
Killexams : Delta SkyMiles Reserve Credit Card 2023 Review

Earning Rewards

Delta SkyMiles® Reserve earns 3 miles per dollar on Delta purchases and 1 mile per dollar on all other eligible purchases.

In addition, the card offers Status Boost™, which allows you to earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your card in a calendar year, up to four times per year. MQMs are used to determine Medallion Status and are different from the redeemable miles earned through spending.

Redeeming Rewards

Delta’s SkyMiles program isn’t what one would call foolproof. Since the airline stopped publishing award charts on its website, it’s hard to tell how much exactly an award ticket should cost. To rub salt into the wound, Delta implemented dynamic pricing on award tickets, which means that award flights now price out according to demand. You guessed it—more desirable flights cost more miles.

With some diligence you can find round-trip flights in the U.S. for 25,000 miles or less and round-trip flights to Europe in economy under 60,000 miles. To get a better deal, keep checking the SkyMiles Deals page every now and then to stay current on the latest award ticket sales. Sales are intermittent but are worth watching.

Luckily, SkyMiles don’t have to be redeemed on Delta flights only. Flights on other SkyTeam alliance members can be booked with Delta SkyMiles. Other SkyTeam member airlines include Aerolíneas Argentinas, Aeroméxico, Air Europa, Air France, China Airlines, China Eastern Airlines, Czech Airlines, Garuda Indonesia, ITA Airways, Kenya Airways, KLM, Korean Air, Middle East Airlines, Saudia, TAROM, Vietnam Airlines and XiamenAir.

Rewards Potential

The card’s earning rate on eligible Delta purchases is 3 miles per dollar on Delta purchases and 1 mile per dollar on all other eligible purchases. Unfortunately, no other bonus spending categories are available to the Delta SkyMiles Reserve cardholders. The rewards structure of this card is rather poor, though its membership perks may still make it worth having.

Forbes Advisor uses data from various government agencies in order to determine both baseline income and spending averages across various categories. The 70th percentile of wage earners bring in $107,908 annually and we base spending on that number.

The typical household at this income level spends $1,520 on airfare. Because this is a premium airline card, we can safely assume the cardholder is a moderate to frequent Delta flyer so we will double that number to $3,040. At 3 SkyMiles per dollar spent, the Delta Reserve card would earn 9,120 SkyMiles per year on Delta airfare purchases.

Forbes Advisor estimates that our sample household has $29,032 in additional expenses that could reasonably be put on the card, earning 29,032 SkyMiles. This means the card would earn a total of 38,152 SkyMiles in addition to the welcome bonus, annual companion certificate and lounge access benefits.

Thu, 06 Aug 2020 09:09:00 -0500 Anya Kartashova en-US text/html
Killexams : The industry with the most access to retirement benefits—plus, see how other jobs compare No result found, try new keyword!Guideline collected data on access to retirement benefits from the Bureau of Labor Statistics' National Compensation Survey. Data was released in September 2022 and looks at rates in March 2022. Sat, 29 Jul 2023 02:51:00 -0500 en-us text/html Killexams : Best Credit Cards For Lounge Access Of August 2023

Many credit cards offer some form of lounge access, but the best ones offer unlimited, no-extra-charge lounge access to as wide a selection of lounges as possible. Typically, these sorts of unrestricted lounge-access perks are only included with the most premium cards. Several issuers feature various cards with lounge access perks, but typically any given issuer will only offer a smaller selection of cards that offer the best access benefits—often for a high annual fee.

Chase Sapphire Reserve®

Chase Sapphire Reserve® cardholders have access to the Priority Pass network that includes complimentary entrance to lounges worldwide. Both primary cardholders and authorized users are eligible and they can each bring up to two guests per lounge visit.

Chase Sapphire Reserve’s annual fee is $550, but cardholders can help justify that high cost by receiving an up to $300 annual travel credit as reimbursement for travel purchases. New cardholders receive a welcome bonus: 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. They’ll also be able to earn 5 points per dollar on flights and 10 points per dollar on hotels and car rentals when purchasing travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases.

Hilton Honors Aspire Card from American Express*

The Hilton Honors Aspire Card from American Express* has a more lucrative lounge benefit than other Hilton credit cards with unlimited access to over 1,300 lounges worldwide in the Priority Pass network. Cardholders are also allotted up to two guests per visit at no additional cost.

The annual fee for the Aspire Card is higher than that of the Hilton Surpass at $450 a year. Frequent flyers can justify that cost by receiving up to $250 in annual credits that cover incidental fees like checked baggage for one qualifying airline of your choice (you must select it each year). Cardholders also receive complimentary Hilton Honors Diamond status and a welcome bonus: 150,000 Hilton Honors bonus points after spending $4,000 in purchases within the first 3 months of opening an account.

Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card (Terms apply. See rates & fees) is best for frequent Delta flyers. It offers complimentary access to Delta Sky Clubs and the Centurion Lounge when flying the same day with Delta. Two one-time guest passes to the Delta Sky Club are allotted each year. Once you have redeemed both guest passes, guest access to Sky Club lounges are available for a per-visit fee.

First-time cardholders can take advantage of a welcome bonus of 60,000 bonus miles after spending $5,000 in purchases in the first 6 months of card membership. Other benefits include earning 3 miles per dollar on Delta purchases and 1 mile per dollar on all other eligible purchases, the first checked bag free when flying Delta, priority boarding on Delta flights and 20% back on Delta in-flight purchases with your card.

Capital One Venture X Rewards Credit Card

Cardholders of the Capital One Venture X Rewards Credit Card have access to the Priority Pass and Plaza Premium networks of lounges as well as the small but growing network of Capital One airport lounges. Access to the Capital One lounge network is unlimited for cardholders, plus complimentary entry for two guests per visit.

The Capital One Venture X comes with a welcome bonus of 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening. The card earns: 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights booked through Capital One Travel and 10 miles per dollar on hotels and rental cars when booking via Capital One Travel.

United Club℠ Infinite Card

Another option from Chase is the United Club℠ Infinite Card—ideal for domestic and international travelers who frequently fly United. Cardholders and eligible travel companions have access to all United Club lounges and affiliated Star Alliance lounges worldwide.

The United Club℠ Infinite Card offers a $525 annual fee. Cardholders earn 4 miles per dollar on United® purchases, 2 miles per dollar on all other travel, on dining including eligible delivery services and 1 mile per dollar on all other purchases. The welcome offer for this card is 80,000 bonus miles after spending $5,000 on purchases in the first 3 months from account opening.

U.S. Bank Altitude® Reserve Visa Infinite® Card*

Cardholders of the $400 annual fee U.S. Bank Altitude® Reserve Visa Infinite® Card* receive a complimentary Priority Pass Select membership with access to over 1,300 lounges worldwide. Cardholders are allotted four free visits within their membership year and four free guest passes.

One big perk for the Altitude Reserve Visa is the $325 maximum annual credit for eligible travel or dining purchases.

New applicants can earn 50,000 points after spending $4,500 in the first 90 days of account opening. The card also earns: 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3 points per dollar on eligible travel purchases and mobile wallet spending and 1 point per dollar on all other eligible net purchases.

Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant® American Express® Card (Terms apply. See rates & fees) cardholders receive a Priority Pass Select membership with unlimited access and up to two guests per visit within the Priority Pass network after they enroll.

The Marriott Bonvoy Brilliant® American Express® Card is ideal for people who frequent Marriott Bonvoy hotels. The cardholder can earn up to $300 in statement credits annually ($25 per month) for eligible dining purchases at restaurants and $100 in statement credits toward purchases made at specific Marriott properties, which helps make the card’s $650 annual fee worthwhile. Other benefits include a welcome bonus of 95,000 Marriott Bonvoy bonus points after spending $6,000 on purchases within the first six months and earning rate of 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program, 3 points per dollar at restaurants worldwide and on flights booked directly with airlines and 2 points per dollar on all other eligible purchases.

The Business Platinum Card® from American Express

Similar to the Platinum Card, The Business Platinum Card® from American Express (Terms apply. See rates & fees) provides access to 1,400 lounges in 140 countries in the Global Lounge Collection, which includes the Priority Pass network, American Express Centurion lounges, Plaza Premium lounges and Delta SkyClub and Lufthansa lounges when flying with the coinciding airline.

The Business Platinum Card® from American Express is ideal for business owners who have large expenses. The $695 annual fee is on par with the personal Platinum Card.

Eligible cardholders also receive a healthy welcome bonus: 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with the card within the first 3 months of card membership. The card also earns 5 Membership Rewards® points per dollar on flights and prepaid hotels through American Express Travel, 1.5 points per dollar on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software and cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year and 1 point per dollar on other eligible purchases.

Citi® / AAdvantage® Executive World Elite Mastercard®*

For fans of the Admirals Club, the Citi® / AAdvantage® Executive World Elite Mastercard®* provides access to nearly 50 Admirals Club partner lounges worldwide for cardholders and immediate family (or up to two travel companions). Other lounges with which American Airlines has reciprocal access privileges are also accessible by the primary cardholder only.

The real advantage for those who want an Admirals Club membership is that the annual fee is only $595 (less than the annual cost to an individual Admirals Club membership). New cardholders can receive a welcome bonus: 100,000 bonus miles after spending $10,000 in purchases in the first 3 months of account opening while earning 10 AAdvantage miles per dollar spent on eligible hotels and car rentals booked through, 4 miles per dollar spent on eligible American Airlines purchases and 1 mile per dollar spent on all other purchases.

The Platinum Card® from American Express

The Platinum Card® from American Express (Terms apply. See rates & fees) advertises access to more lounges around the world than any other credit card that we know of. Cardholders can access lounges in 140 countries through the Global Lounge Collection and the Priority Pass network once enrolled, plus American Express Centurion Lounges. Cardholders can also access Delta SkyClub lounges and Lufthansa Lounges when flying the respective airline same-day.

The $695 annual fee Platinum Card offers a welcome bonus for first-time cardholders: 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership. Cardholders will earn 5 Membership Rewards Points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases.

Delta SkyMiles® Reserve Business American Express Card

The Delta SkyMiles® Reserve Business American Express Card’s (Terms apply. See rates & fees) offerings reflect those of the consumer Reserve card. Cardholders have complimentary access to the Delta Sky Club and Centurion Lounge or Escape Lounge when their Delta flight is booked with their Reserve card with guest passes to the Delta Sky Club available at a special, $50-per-visit rate for the first two guests.

The Business card has an annual fee of $550 and offers a welcome bonus of 70,000 bonus miles after spending $5,000 in purchases in the first 3 months of card membership. Cardholders are also eligible to earn 3 miles per dollar on eligible purchases made directly with Delta and 1 mile per dollar on all other eligible purchases. After spending $150,000 in a calendar year, earn 1.5 miles per dollar on eligible purchases the rest of the year.

HSBC Elite Credit Card*

HSBC Elite Credit Card* cardholders receive complimentary unlimited access to over 1,000 lounges using LoungeKey. Up to one guest is allowed per visit.

Other travel benefits include up to $400 a year in travel credits for all airfare, hotels and car rentals booked through HSBC Travel. This card charges a $395 plus $65 for each authorized user annual fee.

It also includes a welcome bonus of 50,000 bonus points worth $750 in airfare – when booked online through HSBC Rewards – after spending $4,000 in the first 3 months of account opening and earns 3 points per dollar on new travel purchases – including airline, hotels, and car rentals, 2 points per dollar on dining purchases and 1 point per dollar on all other purchases.

Tue, 08 Aug 2023 21:44:00 -0500 Forbes Advisor Staff en-US text/html
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