About 200 Allegiant Airlines passengers heading home from a summer weekend in Las Vegas found themselves stranded — for several days — when the airline grounded their flight to Oklahoma City due to mechanical issues.

The next Allegiant flight from Vegas to Oklahoma City was the following Thursday — and passengers were informed that this would be the flight they’d be rebooked on. Some opted to book other flights on other carriers (on their own dime) or on other Allegiant flights to cities close to Oklahoma City. But others had no choice but to spend extra few days in Vegas with $300 in compensation for food and lodging (and were left to pay out of pocket for anything beyond that).

In these very frustrating situations, you may have some help from your credit card. But only if it provides the right coverage. If you ever get stranded, here’s what to know.
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In August 2016, Chase launched the $450-a-year Sapphire Reserve card with a 100,000-point sign-up bonus, bringing in so many applications that they ran out of metal cards and sending other issuers of luxury travel cards scurrying to catch up.

If you got swept up by the hype and applied for the card in those first heady months, your Year 2 annual fee will be getting billed very soon. Your Year 1 annual fee (which you paid with the first or second billing statement) was probably a no-brainer. After all, you got a 100k sign-up bonus, along with all the card’s other perks ($300 travel credit, Global Entry fee reimbursement, etc.) But things are less clear-cut in Year 2. There’s no 100k bonus coming in, and you probably already used the Global Entry reimbursement benefit when you first got the card.

So, should you pay another annual fee to keep the Chase Sapphire Reserve? Or close/downgrade the card? While we won’t tell you what to do, we’ll help you decide. Ask yourself these four questions before paying another $450.

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How new homeowners can save money with credit cards

Homeownership gets expensive. In addition to mortgage payments, you face the financial burden of upkeep, repairs and occasional remodeling projects.

If you’re new to the homeownership game—or about to be— it pays to use credit cards to your advantage.

“When you buy a home, you know there are going to be a lot of expenses that come along with it. But that also means you have opportunities to make some big purchases with a chance to earn rewards or save money,” says David Weliver, credit expert and publisher of the Money Under 30 blog. “And even if you’re thinking of using credit cards as a financing tool, there are some options for that side of things as well.”
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During the time I’ve been writing reviews of credit cards, I sometimes come across a card that’s just totally random – a card that won’t make Top-10 lists but deserves to be on them.

I consider these cards the misfits, a band of financial products that have great value for the average blue-collar American. These are the cards suited for those who don’t put on a suit for work, for the travelers who get out maybe once a year. They want flights and nights, not luxury.
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