With an annual fee. The best example is the Chase Sapphire Preferred® Card (Visa Signature) offering primary rental car insurance when the standard Visa Signature coverage is secondary. comShow MoreShow LessBank of America®Premium Rewards®Elite credit card. The Cathay Pacific Visa Credit Card may appeal to moderate travelers who want to earn Asia Miles, the loyalty rewards program of popular airline Cathay Pacific. 7 cents per mile. (702) 800-2088. United Explorer Card. Pursue your questSM. Sign-up offer: The United Quest Card is offering a bonus of 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first three months your account is. Plus, earn 3x miles on United purchases and 2x. View offer. The color signifies that you are entering Cuba from the United States. 25% savings on American Airlines inflight WiFi, food, and beverage purchases when you use your card; Earn an American Airlines Companion Certificate for domestic travel after $30,000 in purchases. Rush processing – your Tourist card will arrive within 1 to 3 business days, and the fee is $130. CONTACT American Airlines Credit Card™ 1-800-733-2654 M-F 9 a. spent on Rapid Rewards hotels and car rental partner purchases. Minimum interest charge: no less than $2. Capital One Venture Rewards Credit Card 75K Points after $4,000 spend within 3 months:. Terms apply. Low: 1 cent per mile. But thankfully, two cards offered by Alaska Airlines offer a free checked bag for you and up to six additional companions. 50,000 bonus miles + Alaska's Famous Companion Fare™. The welcome bonus reward includes a status boost that increases the value of your SkyMiles. JetBlue Card: Best card for JetBlue Airways. Discover the amazing credit card benefits built for your next adventure: Travel benefits. Southwest Rapid Rewards Plus Card. For the loyal American Airlines traveler, this card is a fantastic choice. 2x miles on American Airlines purchases. First checked bag free on domestic American Airlines itineraries. Earn 50,000 bonus miles. 5% up to 14. Select the “Details & Settings” tab and scroll down to the “Redeem Connection Points”. American Express Gold Card. 99% variable. This is a great option for people looking for a low-maintenance rewards card. to Cuba travel policy. All of our checking accounts offer no monthly service fee or offer easy ways to avoid one. Start Accepting Amex. ; Cars , Opens another site in a new window that may not meet accessibility guidelines. Plus, get an annual companion fare from just $122 ($99 fare plus taxes and fees from $23)!. Earn 1 mile for every $1 spent on other purchases. Citi® / AAdvantage® Platinum Select® Mastercard®. Earn 2 miles for every $1 spent at grocery stores. Cardholders can earn another 5,000 points during the same status qualification period by spending $40,000 on purchases. Remember username Log inTaking a trip? We have your travel plans covered. Open a new Visa Signature Cash Back credit card and get paid for making purchases and balance transfers. Super Rush processing – you will have your Cuba Tourist card in 1 business day, and you will be charged $150. Open a new Visa Platinum Rewards or Starter card between Oct. USAA Rate Advantage Visa Platinum® Card: Best for low APR rates. Sign-up offer: The United Quest Card is offering a bonus of 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first three months your account is. First checked bag free for you and up to six companions on the same reservation. 49% variable. Additional perks: The card comes with two annual Early Bird Check-Ins each year, 1,500 tier-qualifying points towards status for every $10,000 you spend, and 25 percent back on in-flight purchases. In theory, if you flew American Airlines every day, you could max out the credit by getting $25 of free food every day. The cards are: Alaska Airlines Visa® credit card: $95 annual fee. See offer details. 33% “cash” back. Earn 2 points per $1. Alaska Airlines Visa® credit card holders receive a $100 discount on Alaska Lounge+ membership when paying with their card. Right now, the Alaska Airlines Visa credit card is offering 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after making $3,000 or more in purchases within the first 90 days of opening your account. Citi® / AAdvantage® Platinum Select® Mastercard®. Key Takeaways. Terms and Conditions apply. Get things done and save time with. Most Canadians will find Aeroplan the. MasterTravel Insurance for up to $75,000 USD when you purchase your tickets in full with your card. People-to-people exchanges (for travel related transactions purchased prior to June 5, 2019) Make your User ID and Password two distinct entries. 4. Many top airline cards charge annual fees under $100, but some cards charge a higher fee in exchange for more benefits. Earn 80,000 AAdvantage bonus miles and a $95 statement credit after spending $2,000 on purchases in the first 90 days. Visa; UATP Card; Union Pay (credit only)* Wallets American Airlines AirPass. Visas cannot be shipped to Alaska, Hawaii or Puerto Rico. Alaska Lounge Plus membership: $600 annually or $500 for Alaska Airlines elite members. If you travel outside the country, even occasionally, it’s worth. Earn unlimited miles for every eligible purchase 2, and 3X miles on travel and dining. American Airlines loyalty program. Earn 3X AAdvantage ® miles for every $1 spent on eligible American Airlines, hotels and car rental purchases 3. 8 min read. The American Airlines credit card foreign transaction fee is $0 for most cards. Best for American Airlines Loyalists: Citi® / AAdvantage. TPG values Alaska miles at 1. – 8 p. 25% savings on inflight food and beverage purchases on American Airlines flights when you use your card. Learn More. 99% and may be applied if you make a late payment or make a payment that is returned. Alaska Airlines Visa® credit card. Delta Reserve Credit Card from American Express. With a $99 annual fee, the JetBlue Plus Card offers points rebates when you book award flights, an annual bonus and a higher discount on in-flight purchases. A taste of the lounge life. Excellent. See rates & fees; terms apply. A panel of experts partnered with 10Best editors to pick the initial 20 nominees, and the top 10 winners were determined by popular vote. Cash advance fee – either $10 or 5% of the amount of. Travel benefits. For example, if you are awarded a status match to MVP Gold via the above offer, and your equivalent Delta Gold Medallion status has an end date of December 31, 2024, and you have an open Alaska Airlines Visa credit card as of December 31, 2023, you’ll be upgraded to MVP Gold 75K status starting January 1, 2024 through December 31, 2024, as. None, but some of your purchases can be offset by the $300 in annual travel credits offered on the card. With the Reserve Card, you can also enjoy complimentary access to any Delta Sky Club® around the globe when you fly with Delta. And you can find no foreign transaction fees on personal and business cards from all issuers. We recommend you: Check if your destination has travel restrictions and entry requirements. Premium Elite Rewards. No limit to the points you can earn and points don’t expire. Mileage benefits. The Platinum Card® from American Express (Terms apply. Travelers with the Alaska Airlines Visa Signature Credit Card or the Alaska Airlines Visa Business Credit Card receive a one-time code on each card anniversary that allows them to buy a round-trip. Importantly, the downgrade process takes time to process on Citi’s end. Earn 2 AAdvantage ® miles for every $1 spent at telecommunications merchants, cable and satellite providers, car rental merchants, at gas stations and eligible American Airlines purchases. Terms apply (see. Conceived by the airline and the Air Transport Association as a more. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege. Rewards. Minimum interest charge – $0. Earn 1X AAdvantage® miles for every one dollar spent on all other purchases. Global acceptance and enhanced security with EMV chip technology at chip terminals. Alaska Airlines Visa® Business Credit Card. Additional benefits. This is a substantial change, as the AAdvantage Executive World. Regular APR. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. Earn 2X miles at restaurants, gas stations, and on eligible American Airlines purchases. Alaska Airlines Visa® credit card. Remember username Log in American Airlines privacy policy Opens in a new window By logging in, you accept the AAdvantage terms and conditions Opens in a new window . 5 years when used for a TSA PreCheck application fee. If you are using a screen reader and are having problems using this website. about the base mileage earn on your card. 49% to 28. For our review of this bonus offer, read Chase Sapphire Preferred Credit Card Launches $750 Bonus Offer. Earn 4 AAdvantage ® miles for every $1 spent on eligible American Airlines purchases. American Airlines Federal Credit Union 2023 | American Airlines Credit Union and the Flight Symbol are marks of American Airlines, Inc. Best credit cards for trip cancellation and interruption insurance. N/A. 8/10. m. 25% savings on American Airlines inflight Wi-Fi purchases when you use your card 25% savings on inflight food and beverage purchases on American Airlines flights when you use your card Earn an American Airlines Companion Certificate for domestic travel after $30,000 or more in purchases each cardmembership year and cardmembership is renewed. to 10:30 p. Earn more miles with SimplyMiles®. Limited-time offer: 100,000 bonus miles. 20. Wi-Fi Credit — Every year, card holders can receive up to $25 back in statement credits when purchasing Wi-Fi on American Airlines flights. Manage your credit card account online - track account activity, make payments, transfer balances, and moreEditor’s note: The Bank Of America Asiana Airlines Visa Signature® Credit Card is not currently available to new applicants. Use UATP at more than 200 airlines or Amtrak®and you’ll get a billing and payment system that helps you stay on track. The variable APR for cash advances is 29. High: 2. American Express offers world-class Charge and Credit Cards, Gift Cards, Rewards, Travel, Personal Savings, Business Services, Insurance and more. While there. 24% - 29. Cards You can pay with credit cards including: American Airlines Credit Card SM American Express Diners Club Discover* JCB** Mastercard Visa UATP Card Union. Related: Your first look at the brand-new Alaska Lounge in San Francisco. †. Already a cardholder? Manage your account Benefits Fly Now payment plan – 6 months* financing Flexible monthly payments No annual fee** Additional benefits. 2. Best travel credit cards for November 2023. Find international options for Delta SkyMiles Credit Cards. 1 American Airlines AAdvantage ® MileUp ® Card Pricing and Other Information *Pricing. Box 9001037. Mileage benefits. 24% or 29. The Rapid Rewards Priority Visa allows cardholders to earn 2 points per $1 spent on purchases made directly with Southwest Airlines. THE POINTS GUY. Bank Visa® Platinum Card: Best introductory rate on. The Capital One VentureOne Rewards Credit Card offers 20,000 bonus miles once you spend $500 within the first three months from account opening. Chase Sapphire Reserve: Best for travelers who want the most travel protections. Best for Delta: Delta SkyMiles® Platinum American Express Card. View offer. 5 points per dollar on all dining and travel purchases. com. You can use up to 8 gift cards at one time, and there are no expiration dates or fees. Platinum status is the second-lowest tier in the American Airlines AAdvantage program and offers complimentary auto-requested upgrades, a 48-hour upgrade window, a 60% elite mileage bonus, complimentary Main Cabin Extra and Preferred seats, and 2 free checked bags. S. 2x miles on dining and hotels. The AAdvantage Executive Card gives you just 4 miles for every $1 in American Airlines purchases that you make and only 1 mile per $1 spent on everything else. Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. 7% foreign transaction fee for personal and small business cards, and a 2. Delta SkyMiles® Reserve Business American Express Card: Best for Airline card for small business. American Express® Gold Card: Best “non-travel” travel card. Delta SkyMiles ® Reserve American Express Card. 2. Partner benefits. Earning rates: 5 points per dollar on flights booked directly with the airlines or with American Express Travel (up to $500,000 on these purchases each calendar year,. Amex EveryDay® Preferred Credit Card *. We make it convenient to manage your money and your time with easy 24/7 account access and learn about the added benefits of direct deposit and online statements. There are a number of checking options when you bank with us. government, foreign governments and certain intergovernmental organizations. The Cathay Pacific Visa Credit Card may appeal to moderate travelers who want to earn Asia Miles, the loyalty rewards program of popular airline Cathay Pacific. 4 cents apiece, making 60,000 miles worth a solid $840. However, this fee is waived for the first 12 months of account opening. However, Capital One and Discover are unique in having zero foreign transaction fees on all credit cards. 01, 2023. Additional benefits. The personal Alaska Visa Signature card carries a $95 annual fee, while the Alaska Visa Business card is $70 for the company and $25 for each card on the account. Other Credit Cards for American Airlines Flyers. Card details Balance transfer APR: 19. Reviewed by. Chase Sapphire Reserve. Citi® / AAdvantage® Platinum Select® Mastercard®. 6 cents (or 10 cents). U. Reviewed by. $150 (see rates and fees ). Citi Credit Cards – Find the right Credit Card for you – Citi. Limited Time: Earn 5% Cash Back on gas & $150 Cash Back. Eligible cards include: Citi / AAdvantage Platinum Select World Elite Mastercard; Citi® / AAdvantage® Platinum Select® Visa Signature* Citi® / AAdvantage® Platinum Select® American Express® Card*AAdvantage® Program. Capital One Venture Rewards Credit Card. Terms apply. The Platinum Card® from American Express - best for luxury benefits. 4 cents. How to set Capital One travel alertsRight now, the Alaska Airlines Visa credit card is offering 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after making $3,000 or more in purchases within the first 90 days of opening your account. Interest rate: 21. 24% - 29. The annual fee for this credit card is $595. Manage your American Airlines credit card account online, any time, using any device. A free subscription to the DoorDash Dash Pass means you pay no fees on food delivery services, and through. Partner benefits. Earn from the comfort of your home with AAdvantage eShopping℠ to find top deals, valuable coupon codes, and miles for every dollar you spend at over 1200. According to TPG valuations, this bonus is worth an impressive $1,770. Preferred Cash Rewards Visa Signature® Card: Best for flat-rate cash-back rewards. AT A GLANCE. Central and South America This option costs $110. Inflight discounts: Receive a 20% savings in the form of a statement credit after you use your card on eligible Delta inflight purchases of food, beverages and audio headsets, but not Wi-Fi. It carries a hefty annual fee of $595. Calculate Rewards. Please note that 2 LCA for H1B Visa and 7 LC for green card have been denied or withdrawn during the same period. Alaska Airlines Visa ® credit card holders can earn a companion fare from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Discover the benefits a Citi American Airlines Credit Card has to offer. Earn from the comfort of your home with AAdvantage eShopping℠ to find top deals, valuable coupon codes, and miles for every dollar you spend at over 1200+ stores. The variable APR for cash advances is 29. Travel Accident Insurance. Plus, if you plan to spend $10,000 or more on the card in a calendar year, you’ll have a $100 Delta flight credit to look forward to as well. It’s Shopping season. Concourse D, across from gate D30: Daily from 5:30 a. Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months. Flight Cents lets you round up your purchases to the nearest dollar so. We can pop into an airport lounge while we wait to. Unlock even more of what your card has to offer. AA Visa Card. Our Rewards Visa Platinum Credit Card offers $0 balance transfer, no annual and no foreign transaction fees. The American Airlines Credit Card stopped taking applications in May. Average: 1. Dedicated AAdvantage Platinum Pro ® service desk agents. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC. 00. Best overall American Airlines credit card Citi® / AAdvantage® Platinum Select® World Elite Mastercard®. First checked bag free on domestic American Airlines itineraries. For the AAdvantage MileUp ® Card: The standard variable APR for purchases is % to %, based on your creditworthiness. Throw an American Express® Gold Card into the mix, and you could easily end up with $500 worth of airline gift cards every year. Miami International Airport has 2 Admirals Clubs: Concourse D, on the third. Visa Signature® Cash Back. 21. Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months. Delta SkyMiles® Blue American Express Card: Best card for Delta Air Lines. S. Dick Durbin (D-IL) introduced legislation earlier this year proposing new. By. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege. You'll earn at least 1. This is a great option for people looking for a low-maintenance rewards card. Enjoy complimentary priority check-in (where available), airport screening (where available) and priority boarding when flying American Airlines*. Alaska Airlines. 7 cents each based on NerdWallet calculations. Read our American Airlines AAdvantage MileUp Card review or jump back to this card’s offer details. You can book United Airlines award flights on the United Airlines website, app or over the phone. The Delta SkyMiles Platinum American Express Card is one of those cards. Earn 2 miles for every $1 spent at grocery stores. - Earn another 20,000 Connection Points when you make at least $2,000 in purchases within 60 days of account opening. 2 Redeeming AAdvantage ® Miles Use your AAdvantage ® miles to travel to over 1,000 destinations worldwide, with flexible redemption options for one-way or round trip awards on American Airlines. Flights; Hotels , Opens another site in a new window that may not meet accessibility guidelines. $99. Charges foreign transaction fees. Alaska Airlines Visa Signature® Credit Card. 50. The Alaska Airlines Famous Companion Fare is a popular benefit offered to Alaska Airlines Visa Signature® credit card and Alaska Airlines Visa ® Business credit cardholders, allowing them to. Up to $600 Reward Flight Statement Credits. 0133 apiece, according to WalletHub research, which means you’ll be earning the equivalent of 2. Basic economy passengers generally board in the last boarding group, which is Group 9 for flights within the U. The best American Airlines credit card is the American Airlines AAdvantage® Aviator™ Red Credit Card because it offers the most value overall. Excellent/Good. 49% - 28. S. The card outdoes most other cobranded airline cards on the earnings side. Customers may contact American Airlines for questions or help with their Gift Cards at GiftCards@aa. Calculate Rewards. S. 20% back on inflight purchases when paying with your card. 11. Our guests can also use their miles to book hotel stays and upgrades. $0 intro annual fee for the first year, then $95. American Airlines CU Visa® Rewards credit card has a variable purchase APR that ranges from 8. Annual fee of $550 ( rates & fees) Up to $500 if your trip is delayed by more than 6 hours. The Alaska Airlines Visa® credit card can provide. The miles you earn with some carriers, such as American Airlines, can even count toward Alaska. Details: The Alaska Airlines Visa® credit card was named NerdWallet's best airline credit card of 2019, and for good reason. Arrive at the airport at least 3 hours before your scheduled departure time. The variable Penalty APR is up to 29. A great introductory offer. Citi® / AAdvantage® Platinum Select® World Elite Mastercard® : Best American Airlines credit card with priority boarding. m. reimbursed $100 per day. American Airlines cobranded credit cards. Here are the latest welcome bonuses: American Airlines AAdvantage® MileUp®: Earn 15,000 American Airlines AAdvantage® bonus miles. American Airlines Admirals Club. That's one of the biggest welcome offers we've. Earn 2 AAdvantage® miles for every $1 spent. Note that this applies to both credit and debit cards associated with your Bank of America login, which can be nice if you're planning to withdraw money from an ATM using your debit card. Wells Fargo Visa Signature® card. The Platinum Card ® from American Express 80K Points after $8,000 spend within 6 months. Chase Sapphire Reserve® - best for priority pass lounges and restaurants. Best for airline miles: card_name. Alaska Airlines Visa Signature® Card. Fly any airline, stay at any hotel, and get 50,000 bonus miles free. The Alaska Airlines Famous Companion Fare is a popular benefit offered to Alaska Airlines Visa Signature® credit card and Alaska Airlines Visa ® Business credit cardholders, allowing them to. Best for Southwest flyers: Southwest Rapid Rewards® Priority Credit Card*. ) Call (630) 351-4551 (collect outside U. Excellent/Good. Earn 3X AAdvantage® miles for every one dollar spent on eligible American Airlines purchases. Delta Air Lines has a credit card for nearly every category of Delta flyer — from a $0-annual-fee option for occasional travelers to a $550-a-year card with airport lounge access, generous. Wells Fargo Autograph℠ Card. For alternatives, see Forbes Advisor’s list of Best Travel Rewards. With your Alaska Airlines Visa Signature ® credit card you earn unlimited miles and travel with no blackout dates on Alaska Airlines flights when booking with miles or a companion fare. The Alaska Airlines Visa Business credit card offers a 50,000 bonus miles and Alaska's Famous Companion Fare™ from $122 ($99 fare plus taxes and fees from $23) after spending $3,000 in purchases. 99%–29. Visa Platinum Secured Credit Card. Earn 1 Loyalty Point for every 1 eligible mile. $0 Fraud Liability protection means that if your card is lost or stolen, you’re not responsible for any charges that you did not authorize. Fly on American Airlines, American Eagle ®, any one world ® airline and our partner airlines, or book cars, hotels or vacation packages and watch how fast your miles add up. Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card. 00 + $35. Most banks will offer these prepaid cards, which. With credit approval on all purchases totaling $150 or more on the. Delta SkyMiles® Reserve American Express Card. Below, you can find the best American Airlines credit card options, which we evaluated using. Additional benefits. From exclusive airport lounges, hotels and events, to access to over 1,000 destinations worldwide via the largest Travel Rewards Programme in the world, no other card opens up the world to you like this one. Delta Air Lines has a credit card for nearly every category of Delta flyer — from a $0-annual-fee option for occasional travelers to a $550-a-year card with airport lounge access, generous. Welcome Bonus: 140,000 bonus points after spending $3,000 on purchases in the first 3 months of account opening. Earn 2X miles at restaurants, gas stations, and on eligible American Airlines purchases. Best overall American Airlines credit card Citi® / AAdvantage® Platinum Select® World Elite Mastercard®. Scotiabank / AAdvantage credit cardholders and AAdvantage. Terms apply. Earn 1X AAdvantage® miles for every $1 spent on eligible American Airlines purchases. 01, 2023. Best Value: Capital One Venture X Rewards Credit Card. 0% intro APR for 15. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC. Receive up to $100 in statement credits per calendar year for LoungeBuddy. m. Rewards: 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. e. 49% Variable. $500-600 annually, and offers access to all Alaska Lounges, plus nearly 100 partner lounges around the world (including American Admirals Clubs). 1 mile per dollar on other purchases. in one of the regions below, you can find a Delta SkyMiles Credit Card to use in your country of residence. 3 points per dollar on travel, including flights. SUMMARY. Alaska Airlines Visa® credit card holders receive a $100 discount on Alaska Lounge+ membership when paying with their card. services), up to $200 prepaid hotel statement credits with Fine Hotels + Resorts or The Hotel Collection each calendar year on bookings (two-night minimum stay required with The Hotel. Learn more. has filed 908 labor condition applications for H1B visa and 213 labor certifications for green card from fiscal year 2020 to 2022. Say you spend $1,500 a month: $500 on. Visas cannot be shipped outside the continental U. The American Airlines Cuban visa costs $50 plus fees and shipping. View offer. Both cards offer a companion fare as a card benefit; however, there are slightly different requirements for each card. 50. American Airlines Admirals Club Miami near gate D30. 1 cents per mile. Apply today and discover the benefits your new card has to offer. American Airlines loyalty program. Earn 2X miles at restaurants, gas stations, and on eligible American Airlines purchases. For American Airlines passengers, there's the $99-a-year AAdvantage® Aviator® Red World Elite Mastercard® that offers up to $25 in statement credits toward Wi-Fi purchases on AA flights and the AAdvantage® Aviator® Silver World Elite Mastercard (not currently open to new. Updated Nov. Welcome bonus: Limited time offer- Earn 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from. American Airlines Admirals Club Miami near gate D30. Citi Premier® Card. S. Best for Southwest Airlines: Southwest Rapid Rewards® Priority Credit Card. The Platinum Card® from American Express - best consumer card for airport lounges. Earn 5x points on all travel purchased. 01, 2023. S. Earn 2X miles at restaurants, gas stations, and on eligible American Airlines purchases. ,By logging in, I accept the AAdvantage terms and conditions. Alaska Airlines Visa Annual fee: $95 When you purchase your flight with your Alaska Airlines Visa credit card , you can check a first bag for free for you and up to six additional passengers on. First checked bag free on domestic American Airlines itineraries. Citi has precise rules for how frequently you can apply for credit cards. Partner airlines. The Platinum Card® from American Express – Up to $200 airline fee credit, up to $200 Uber cash (distributed in $15 monthly increments and on U. Companion Certificate — Every year after their account anniversary, card members can earn a companion certificate when they spend $20,000 on the card in a year. -.