$25 Citi Statement Credit on $25+ Spend at Select Merchants

$25 Citi Wallet Offer – CaptureLink

Citibank is joining the “statement credit” fray. They are now offering a one time $25 statement credit when spending $25 at select merchants and checking out with “Citi Wallet”.

Offer valid through September 14, 2014.

To get this offer:

  1. Login to Citi Wallet with you Citibank login, and link a Citi Mastercard.
  2. Spend $25 or more at select merchants that have “MasterPass” checkout by 09/14/14.
  3. At checkout, just click the “Buy with MasterPass” icon, and checkout with citi wallet.
  4. Voila’, a $25 statement credit should appear no later than 2 billing cycles (probably much quicker) after your qualifying purchase.

Sample merchants include:  Newegg, LivingSocial, TigerDirect, Rakuten & more

Get $50 Back at Dell w/$599+ Purchase With American Express!

Get a $50 statement credit with your registered American Express credit card, when you spend $599 or more at Dell by 9/15/14.

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To register for this promo:

  1. Sync your American Express card to your Twitter account Here
  2. From your Twitter account, tweet #AmexDell to add the offer to your synced Amex Card.
  3. Make a purchase totaling $599 or more with your synced card at Dell by September 15, 2014.
  4. Receive the $50 statement credit within 90 day after your purchase, though usually much quicker.
    You can view full T&C’s here.

Note: Make sure that you’ve received a “@ reply” message from @AmexSync stating that this offer has been added to your synced Card.

Have more than 1 American express card? You can register all of them for this offer to get the $50 on each card – including the user cards! You can do this with a separate Twitter account for each card, or you can just unsync and resync your cards to your Twitter account via this link.
Just note that If you do unsync and resync a few cards for the same Twitter account, you will need to change the tweet slightly each time for the new card to be registered. For example:
#AmexDell
#AmexDell 1
#AmexDell 2
etc;

When resyncing a credit card, all you need to do is fill out the first half of the form with your name, email, and credit card number. There is no need to fill out the billing address card expiration, and the 4 digit code. You can use the same email address for all of your cards.

Alternatively, If you do not have twitter, you can also possibly get this offer by checking on your online American Express account. Once logged in, Scroll down and click on “Offers For You” to see if you have this offer available. If available, be sure to click on “Save Offer”.

Note: Be sure to check under all your American Express credit cards. If you have this under more than 1 card, first open a new tab in the same browser, for each of the cards that this offer is found under, and once you have this offer open on all available accounts, only then hit “Save Offer”. This way you can get this offer more than once, as normally, once you click “Save Offer” on one account, the same offer on the other accounts disappear.

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Convert your Starwood Starpoints into AAdvantage Miles & Earn 20% Bonus Miles

From now through July 31, 2014, when you convert 20,000 Starpoints to American Airlines AAdvantage miles you’ll earn a 20% bonus. Usually you would earn 25,000 AAdvantage miles on a 20,000 Starpoint transfer, now with this offer, you’ll earn 30,000 AAdvantage points.

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One can transfer up to 79,999 of their Starpoints per transaction per program within a 24-hour period to the American Airlines AAdvantage program. Though, in order to maximize this promo, you won’t want to transfer more than 60,000 per 24 hour period, which with the current promo, will transfer to 90,0000 American Airline AAdvantage miles.

Note that the extra 20% bonus (5,000 points per 20,000) will not initially show when making the point transfer, as this bonus is provided by American Airlines.

Also note that Starwood hotel points do not transfer instantly to American Airlines and can take up to a week for the transfer to post.

You can also pick up an easy 40,000 USAirways miles, which come 2015 will convert into AAdvantage miles, with the US Airways Premier World MasterCard. With this offer, there is no crazy minimum spend that you need to do in order to get the 40k bonus. Spending just $1 will net you the 40,000 bonus. You can read more about this card here.

You can also earn 100,000 AAdvantage miles with the Citi Executive / AAdvantage World Elite MasterCard, though this requires $10,000 spend within in the first 3 months and has a $450 annual fee.

Get $10 Off Purchase Of $200 American Express Gift Card = Easy FREE $10!

Here’s another American Express offer. Get a $10 statement credit with your synced American Express credit card when you purchase $200 or more of American Express gift cards! Valid through 7/30/2014.Capture

Note that American Express e-Gift cards do not have any shipping charges + Promo code DGPCM gets rid of any activation fees = Easy FREE $10!

To register for this promo:

  1. Sync your Amex card to your Twitter account HERE
  2. From your Twitter account, tweet #AmexGiftCard to add the offer to your synced Amex Card.
  3. Purchase $200 or more of American Express gift cards with your synced cards by July 30 2014.
  4. Receive the $10 statement credit within 90 day after your purchase, though usually much faster.
    You can view full T&C’s here.

Note: Make sure that you’ve received a “@ reply” message from @AmexSync stating that this offer has been added to your synced Card.

Alternatively, If you do not have twitter, you can also get this offer by checking on your online American Express account, under “Offers For You” to see if you have this offer available. If available, be sure to click on “Save Offer”.

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Barclaycard Once Again Increases Sign-Up Bonus On Miles & More To 50,000 Miles!

Update: This offer will be ending imminently! As long as the landing page shows 50,000 bonus miles, that’s what you’ll get. If the minimum spending is hard to reach, look into getting the USAirways credit card, as it offers 40,000 bonus points w/no minimum spend requirement.
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Barclaycard has once again for a limited time increased the sign up bonus on the Lufthansa Premier Miles & More World MasterCard credit card to 50,000 bonus miles!

Full terms:

  • Earn 20,000 award miles after your first purchase or balance transfer
  • Earn an additional 30,000 award miles when you spend $5,000 in purchases within the first 90 days of account opening
  • Earn 2 award miles per $1 on ticket purchases directly from Miles & More integrated airline partners and 1 mile per $1 on all other purchases
  • Cardholders receive a companion ticket after first use of the account and annually after each account anniversary
  • No foreign transaction fees on purchases made outside the U.S.
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance member airlines and other partners
  • $79 Annual Fee.

Note: In the past, it was pretty simple to get the annual fee removed. All you had to do was once you received the card, and the annual fee posted to your account, you would then call up and request the fee be removed. If the agent denied the request, you would ask to speak to an account specialist. This may or may not still be the case.

Continue reading

US Airways Credit Card 40k Sign Up Bonus, Now Adding Bonus Miles + Targeted Bonus + Refunding Fees

The Barclays US Airways Premier World MasterCard currently has an awesome sign-up bonus of 40,000 miles, which requires no minimum spend! You can spend as little as $1 and you’ll get 40,000 bonus miles – What could be better than that!

The new news is, that from July 1 – August 31, 2014 Barclaycard will also be offering a 20% bonus on all earned miles!

Barclaycard will also be sending out targeted 30% bonus offers via email, to some, so be sure to keep an eye out on your email.

Additionally, Barclaycard will also be refunding all foreign transaction fees on this card from July 1 – August 31, 2014.

This card does have an annual fee of $89 which is not (officially) waived the first year. Though some have had luck getting the fee waived by requesting or by calling to cancel the card.

Official Benefits:

  • 40,000 Bonus Miles after your first purchase.
  • First checked bag FREE on eligible bags for you and up to 4 companions on domestic US Airways operated flight.
  • One free companion certificate good for up to two guests on US Airways operated flights at $99 each, plus taxes and fees. (Certificate is sent to new cardholders 6-8 weeks after the first purchase is made on the card.)
  • Priority Boarding Zone 2 on US Airways operated flights.
  • Earn 2X miles on all US Airways purchases and 1X miles on all other purchases.
  • Check in at the First Class counter for all of 2014.
  • One complimentary US Airways Club day pass each year.
  • Redeem flights for 5,000 fewer miles on US Airways.
  • 10,000 Preferred-qualifying miles every year you spend $25,000 or more on your card.
  • 0% introductory APR for 15 months for each Balance Transfer made within 45 days of account opening.

Now, some of these benefits will be changing come 2015, when the US Airways American Airlines merger is complete, and this card is turned in an American Airlines credit card. Some of the changes will be include the elimination of the $99 companion pass and First class check in, will also go. Though for mileage junkies, this shouldn’t really make to much of a difference at this point, as this card is easily churnable, and you can very well be on your 4th-5th card by 2015!

If you applied for this card and were denied, you can call Barclays reconsideration at 866-408-4064.

Click here to apply for the US Airways Premier World MasterCard.

Amex – Select Card Members: Up To $30 Back w/Purchase At Supermarkets in NY, NJ or CT!

American Express has got a new awesome offer for select card members. You can get a $10 statement credit when using an enrolled American Express Card to make a single purchase of $50 or more in-store at a supermarket in NY, NJ or CT! This offer can be done 3 times for a total saving of $30. Purchases must be made by 7/14/14.

To check if you are eligible for this offer and to add this offer to your account:

  1. Login to your online American Express account at Americanexpress.com.
  2. Scroll down and click on “Offers For You”
  3. Check available offers, If the offer shows, click on “Save Offer.

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Terms:

  • Offer valid in-store in NY/NJ/CT only.
  • Enrollment limited.
  • Excludes online purchases.
  • For purposes of this offer, “Supermarket” means a store whose primary business comes from the sale of a variety of foods such as meat, fresh produce, dairy, canned and packaged goods, but also sells items such as household products, pharmacy products and pet supplies.
  • The following are NOT considered supermarkets: specialty food stores, small grocery stores, gourmet shops, convenience stores, drug stores, natural food stores and superstores including warehouse clubs, big box stores, and hypermarkets.
  • Statement credit(s) will appear on your billing statement within 90 days after 7/14/2014, provided that American Express receives information from the merchant about your qualifying purchase.
  • Statement credit may be reversed if qualifying purchase is returned/cancelled.

US Airways Mastercard w/40,000 Bonus Miles & No Minimum Spend Requirement!

Update: There will be some changes coming to this card in 2015. The card itself will become an American Airlines AAdvantage MasterCard from Barclaycard, and with that there will be some tweaks to the benefits of the card.

  1. The Annual $99 companion pass will be eliminated.
  2. First class check in, will also go.
  3. The 5,000 mile rebate on award redemption’s will cease and will be replaced by a 10% discount on redemption’s.

Ultimately,  you may want to get this card now, for 1.) to maximize the option to use the companion pass before the benefits change. and 2.) so that you can double dip and churn this card before the current card becomes obsolete in 2015.
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The Barclaycard US Airways Premier World MasterCard offer just got better. Up until now it had a 30,000 bonus mile offer + up to an extra 10,000 bonus miles, only after you made a balance transfer, at 1 point per dollar.

As of now the offer is for 40,000 bonus miles after your first purchase, which can be as little as only $1 and there is no need for a balance transfer. This is a solid offer, especially since there is no minimum spend requirement as most of the other cards have.

Full Benefits:

  • 40,000 Bonus Miles after your first purchase.
  • First checked bag FREE on eligible bags for you and up to 4 companions on domestic US Airways operated flight.
  • One free companion certificate good for up to two guests on US Airways operated flights at $99 each, plus taxes and fees. (Certificate is sent to new cardholders 6-8 weeks after the first purchase is made on the card.)
  • Priority Boarding Zone 2 on US Airways operated flights.
  • Earn 2X miles on all US Airways purchases and 1X miles on all other purchases.
  • Check in at the First Class counter for all of 2014.
  • One complimentary US Airways Club day pass each year.
  • Redeem flights for 5,000 fewer miles on US Airways.
  • 10,000 Preferred-qualifying miles every year you spend $25,000 or more on your card.
  • 0% introductory APR for 15 months for each Balance Transfer made within 45 days of account opening.

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There is an $89 annual fee which is not waived the first year, but 40,000 bonus points are more than definitely worth the $89.

US Airways:

US Airways is now part of the Oneworld alliance which includes the following airlines:

American Airlines, British Airways, Cathay Pacific, Finnair, Iberia, Japan Airlines, Malaysia Airlines, US Airways, Qantas, Qatar Airways, and Royal Jordanian Airlines. You can redeem US Airways award flights on any of the Oneworld airlines.

US Airways allows one free stopover or one open-jaw on award redemption’s. On international tickets, it’s only considered a stopover, if your stop is for 24 hours or more. If it’s less than 24 hours it will not use up your free stopover, it’ll just count as a transfer. An open-jaw means you can fly into one city and fly out of another city on the same award ticket.

Also, USAirways is currently not collecting any fuel surcharges for travel on partner airline British Airways. Most British Airways partner airlines are required to collect BA’s fuel charges which can be pretty hefty at times. USAirways is currently not collecting any of these fuel charges. Though this may very well be a glitch or something, and may not last foreverUpdate: US Airways has updated their pricing system and has now started collecting fuel surcharges for British Airways awards.

With USAirways miles

  • Domestic round-trip awards on USAirways are normally 25,000 miles. With the US Airways Premier World MasterCard credit card, your total round-trip will be only 20,000 miles, as this card offers a 5,000 mile discount on all awards. 40,000 miles = 2 free round trip domestic flights.
  • Round-trip to Australia in first class is only 140,000 miles. In Business it’s just 110,000 miles.
  • Round-trip to North Asia (including China, Hong Kong, Japan), with this card is just 55,000 miles round-trip in coach, 105,000 miles round-trip in Business and just 115,000 miles round-trip in First class.
  • To Israel, It’s normally 80,000 miles for a round-trip coach class ticket, 120,000 miles in Business, and in First it’s 180,000 miles. Again with this card, your total will be 5,000 miles less. So in coach it will be just 75,000 miles for a free round-trip ticket to Israel and 115,000 for a free business class round-trip ticket.
  • Off-peak award flights to Europe or South America is only 30,000 miles round-trip with this card when flying USAirways metal.

Barclaycard credit cards are fully churnable, so you can earn the bonus again even if you’ve had this card in the past.

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In light of the recent USAirways / American Airlines merger, this card which is offered by Barclaycard will cease to be offered to new applicants at some point in the future. The new post merger card will be issued by Citibank. So this may just be the opportunity to get in on this mega offer before the card ceases to exist (especially if your looking to churn this card).

All USAirways miles will eventually be converted int AAdvantage miles. If you still have this card at that point, you will earn AA miles instead of the USAirways miles you earn now. This won’t stop you from double dipping and applying for the new issued card by Citibank.

If you applied for this card and were denied, you can call Barclays reconsideration at 866-408-4064.

Click here to apply for the US Airways Premier World MasterCard.

Amex Offers: $20 Statement Credit at Macy’s (Targeted)

American Express has released a new targeted promotion where you will receive a $20 statement credit on a $100+ purchase at Macy’s.  Capture

This offer is good both for online and in-store purchases. Good through June 15, 2014.

This offer is also good for Macy’s gift card Purchases! This means that even if you do not plan (or are not sure) any Macy’s spending between now and June 15, you can still lock in the savings by purchasing a gift card and using it at a later date. Of course you can also just probably sell the gift card for more than $80 you paid for it, at such places like ebay or Raise.

To check if you qualify and to sign up for this promotion:

  1. Sign into your AmericanExpress.com account
  2. Scroll down and click on the “Amex Offers For You” tab
  3. Check to see if the Macy’s offer is there.
  4. Select the “Save Offer” button

This offer is not (as of yet) available through Twitter.

Now Earn An Extra 2,500 Points w/Authorized User On New Chase Freedom

All credit card offers can be viewed via the links in the credit cards tab. After clicking on the links, be sure to scroll down and click “show more results” to view all the card offers.
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As of today, Chase starting offering an extra 2,500 bonus points when adding an authorized user on to a new Chase Freedom account. The new Freedom Captureaccount will still earn the 10,000 bonus points after $500 spend within the first 3 months. The authorized user will also have to make a purchase of any amount within 3 months to get the extra 2,500 points.

Taking into account the extra 2,500 bonus points, this is a 12,500 bonus point offer for opening a new Chase Freedom credit card.

 — Just note that this promotion is only for new accounts that are now opened and not existing accounts. Though, if you recently applied for a new Freedom account, you can always try requesting a match to this new offer via a Secure Message.

The full Freedom card benefits and terms:

  • Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe’s® home improvement stores
  • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • 0% Intro APR for 15 months on purchases and balance transfers.
  • No annual fee and rewards never expire

Also, If you have a Chase checking account, The freedom will earn you a 10% annual point dividend every February on all points earned during the previous calendar year.

One of the great benefits of the Freedom card is where you can rack up nice bonus points. The Freedom offers 5x category bonus points, where you earn 5 points per dollar spent on up-to $1,500 per quarter. There are 4 quarters per year, with each quarter offering different categories where you can earn the 5x points. This is similar to the Discover it card (read review here).

For example, this quarter you can get 5 points on every dollar at restaurants and Lowe’s home improvement stores. Lowe’s sells merchant gift cards to a slew of other merchants including Amazon. That means even if you do not plan on making any home improvement purchases, you can still maximize the 5x spend by buying gift cards to merchants where you will be shopping.

If you maximize the $1,500 spend per quarter on the 5x category spend (which is $6,000 in yearly spend) you will get 30,000 Ultimate Rewards points. Normally 30,000 Freedom Ultimate Rewards points equals $300 in cash-back, but if you have the Sapphire Preferred and/or Ink Plus/Bold cards, you can then transfer the points into your Sapphire/Ink accounts (read step by step instructions on how to do that, here).

Once the points are in your Sapphire/Ink accounts they can then also be transferred out to more lucrative options where the value per point can many times exceed the 1 cent value per point if you were to just redeem them for cash-back. Transfer options (in addition to cash back or gift cards) with the Sapphire/Ink cards are:  United Airlines, British Airways, Southwest, Korean, Virgin Atlantic, Hyatt Hotels, Marriott, Ritz-Carlton, Priority Club and Amtrak.

** For those just starting out with credit cards, the Chase Freedom card has been one of the easier cards to get approved, for those with no credit history, though it’s not guaranteed.

Applying for credit cards: All credit card offers can be viewed and applied for by clicking here or on the credit cards tab above. On the credit cards page, you can click on the “Credit Cards By Issuing Bank” link, to view all credit card offers offered by any specific credit card issuer. Just scroll down and click on the logo of the bank issuer of your choice.

Discover it Credit Card Review + Activate Q2 5% Cash Back Categories

Discover has upped their ante lately, and is starting to more aggressively compete in the credit card market. They have instituted many positive chanindexges in direct response to the competition.

They are now only marketing the Discover it card. This card comes in 3 different versions.

  1. Discover it 14 – 0% APR on purchases and balance transfers for the first 14 moths.
  2. Discover it 6/18 – 0% APR on purchase for the first 6 months and 0% APR on balance transfers for the first 18 months
  3. Discover it Student – 0% APR on purchases for the first 6 months.

They no longer promote the Discover More, Motiva, Open Road, Escape, and Miles cards.

One of the great benefits of the Discover it card is the 5% cash back categories. This is similar to the Chase Freedom card.

You can now activate the Discover it card 2nd quarter 5% cash back categories. Quarter 2 (April-June 31) cash back categories are Home Improvement Stores, Furniture Stores, and Bed Bath & Beyond. You can earn 5% cash back per dollar on up-to $1,500 spend per quarter.

You can also earn 5% cash back at a slew of other merchants including Amazon! Here’s how: You can buy gift cards to other merchants at Home improvement stores.  For example, Lowe’s sells a slew of merchant gift cards such as to Amazon, Barnes & Noble, Marriot, Kohl’s, Marshall’s and many more. These gift cards can then be used throughout the year, and you’ve maximized your 5% cash back and have essentially saved 5% at those merchants. Of course you can also by Bed Bath & Beyond gift cards for future purchases etc;.

CaptureFull Discover it credit card highlights:

  • 5% cash back on rotating categories. This is an awesome feature. You’ll get 5% cash back on rotating categories each quarter. From April to June 2014, you’ll get 5% cash back on up to $1,500 in purchases in Home Improvement Stores, Furniture Stores, and Bed Bath & Beyond.
  • 1% cash back on all other purchases. This is nice, though not nearly as nice as the Barclaycard Arrival.
  • Free FICO score every month. You get a free real FICO score, not FAKO, updated every month, shown on your billing statement.
  • No annual fee, No overlimit fee and also No late fee on your first late payment, and paying late won’t raise your APR.
  • 0% Intro APR on purchases and balance transfers for the first 14 months via this link or 0% Intro APR on balance transfers for the first 18 months via this link –  Afterwards the variable purchase APR applies, currently 10.99% – 22.99%.  A fee of 3% applies for each balance transferred.
  • No Foreign Transaction Fees If you travel overseas every so often and don’t want to pay the 3% foreign transaction fee that most other credit cards charge – The Discover IT is for you. It can lay around until you are ready to travel without charging any fees.
  • Up To 20% Cash back via the Discover Shopping Portal –  You can make many of your online purchases through Discover’s shopping portal and get an extra 5%-20% cash-back on your purchase! – Nothing to sneeze for a fee free card.
  • FREE Collision car rental insurance – This card gives you Free Collision insurance on car rentals – including in Israel for up-to 25,000 in damage.
  • Human. 100% U.S.-based customer service available any time.  Instead of a complicated robot phone tree (think citi), you can now select at any time to go straight to a human.
  • Return Protection and Extended Warranty Protection.

Additionally, Discover sends out throughout the year targeted promotions to it’s cardholders for additional cash back opportunities.

The cash back on this card can be redeemed in the form of a statement credit, direct deposit to your bank account, gift cards or you can shop at Amazon and pay with your points. When redeeming your points for gift cards, discover many times has promotions where they offer you a bonus on your redemption.

If you do have one of the old plain Discover cards or Discover ‘more’ cards, you may want to call Discover up, and request that your card get switched over to the Discover it card, as this card is definitely better over the old ones (when switching over, you still get to keep the same card number and your credit history). On the other hand, If you have one of those Discover annual fee miles-type cards, it may be worth it for you to keep your card/s, though there’s nothing stopping you from getting the Discover it card in addition.

Bottom line: While Discover has still got a way to go to compete fully with the likes of American Express, Chase and Citi, this card without doubt has some pretty nice benefits. It offers a nice 5% cash back on rotating categories, up to a whopping 20% cash-back through the shopping portal, no foreign transaction fees and and no annual fee!
It is definitely a worthwhile addition to your wallet, though it probably shouldn’t be the only card in your wallet.

Activate Your 5% Q2 Chase Freedom Cash Back = 5% Cash Back at A Slew Of Merchants!

5% Categories Activation Link

Chase Freedom credit card holders can now activate their Q2 2014 5% cash back categories. Even though they are called “5% categories”, in essence, you really actually get 5 Ultimate Rewards points per dollar spent. The 5 UR points can then either be cashed chase freedom out for 5% cash back, or if you or your spouse have the Chase Sapphire Preferred or the Chase Ink Bold or Ink Plus credit cards you can combine the points into the Sapphire or Ink accounts (read more about how to combine points here) and then transfer those points at a 1:1 ratio into more valuable airline or hotel miles/points.

Quarter 2 (April 1-June 30, 2014) 5% cash back categories are Restaurants and Lowes.You can earn 5 points per dollar on up-to $1,500 which translates into 7,500 bonus points.

Additionally, If you have a Chase checking account you will also earn a 10% bonus on all points earned on all your spending during 2014. That means you’ll earn 5.5 points per dollar spent in these categories or 8,250 points!

 – – –  You can also maximize your 5% categories by buying gift cards to other merchants at Lowe’s. Lowe’s sells a slew of merchant gift cards such as to Amazon, Barnes & Noble, Marriot, Kohl’s, Marshall’s and many more. These gift cards can then be used throughout the year, and you’ve maximized 5% cash back or 5 UR points on their purchase. You can also by gift cards at your favorite restaurants for future dining.

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Chase Freedom – Benefits: 10,000 ($100) Bonus points when you spend $500 within the first 3 months, 1% cash back  for every dollar spent, 5% rotating cash back categories every 3 months, up to $1,500. If You have the Chase “Sapphire Preferred”, or Chase “INK” credit cards, the Chase Freedom points can be transferred to the “Sapphire” or “INK” cards making the points transferable to airlines and hotels, and hence more valuable. There is no annual fee for this card, and there is a 0% Intro APR for the first 15 months, on purchases and balance transfers.

“Like” DealsMaven on Facebook (by clicking the above “like” button) and/or “follow” on Twitter to be be updated on other great freebies, deals and more!

Back Again! Get $25 back on $100+ Spend at Staples with Amex – Includes Gift Cards!

Update: Last chance…this offer is set to end in just a few days.

Staples Gift Card LINK staples

American Express is once again offering a $25 statement credit on staples purchases, for select card members! Though unlike last time where the promo was on purchases of $75 or more, this time the promo is on purchases of $100+.

Get a one-time $25 statement credit by using your enrolled Card to spend a total of $100 or more at Staples by 3/17/14″.

This $25 credit offer works for anything sold by Staples excluding e-gift cards. Regular Gift cards are included in this promo. That means that if you for instance purchase a $100 Visa gift card the total after credit will be just $81.95 with shipping! If you purchase a $100 regular merchant gift card, such as to Marshalls, Amazon etc, the total will be just $75 – $76.99 after credit! Of course you can also purchase “regular” items at staples too.

Be sure to add all of your American Express credit cards. 3rd party Amex cards, such as the Barclays Travelocity card, are not included in this promo.

To see if you are targeted, and to register for this offer,

  1. Log in to your American Express account at. americanexpress.com ,
  2. Click on Recent Activity, under a card that you have.
  3. Click on the “Offers For You” tab and see if the offer is there. Be sure to check under each of your cards.
  4. Once you spot the offer, simply click on “save offer” – That’s it, you are registered.

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  • Offer valid in store or online at www.Staples.com.
  • Purchases from StaplesAdvantage.com & E-Gift Cards not included.
  • If you order an item during the offer period but it is not sent to you until after 3/17/14, it may not count towards determining whether your purchase qualifies for the offer.
  • Gift Cards are eligible.
  • Enrollment for the offer is limited. Limit 1 statement credit per American Express Card across all American Express offer channels.
  • Statement credit will appear on your billing statement within 8 weeks after American Express receives information from the merchant about your qualifying purchase.
  • Statement credit may be reversed if qualifying purchase is returned/cancelled.

American Express Launching 2 New Credit Cards

American Express announced that they are launching two new credit cards. The new credit cards will be called the EveryDay card and the EveryDay Preferred card.

The new cards will be credit cards, with a credit line and the option to carry a balance, img-29802as opposed to “Charge cards” that have no credit limit and must be paid in full each month.

With these cards, you will be able to earn full Membership Rewards points, that are transferable to partner programs such as Delta, British Airways, etc;. – Which is new for a consumer credit card product from American Express. As of of now, the only cards that the points are transferable out,  are the premium charge cards such as the Platinum and the Gold. The consumer cards such as the Blue Cash, only have the option to redeem the points for merchandise or gift cards etc;.

The EveryDay card will have no annual fee and the EveryDay Preferred card will have a $95 annual fee which is similar to the Barclaycard Arrival ($89 annual fee – waived for the first year)

— The EveryDay card will earn an initial $10,000 bonus points after $1,000 spend in 90 days.
You’ll earn 2 points per dollar at US Supermarkets on up to $6,000 annual spend and 1 point per dollar everywhere else.
Also, if you use the card to make 20 or more purchases within any one billing period,  you’ll get an extra 20%  points on all those purchases.
There will be an initial 0% APR on purchases and balance transfer for the first 15 months.
The card will also have the Smart Chip technology.

— With the EveryDay Preferred card ($95 annual fee), you’ll get an initial $15,000 bonus points after $1,000 spend within the first 90 days.
You’ll earn 3 points per dollar at US Supermarkets on up to $6,000 annual spend, 2 points per dollar at US stand alone gas stations and 1 point everywhere else.
Also, if you use the card to make 30 or more purchases within any one billing period,  you’ll get an extra 50%  points on all those purchases.
This card will also get the 0% APR for 15 months and the Smart Chip.

Another interesting feature that both these cards will have, is a mobile App which will help keep track of purchases, so you can know when you are close to earning the 20% or 50% extra points respectively.

Applications for the new cards will open April 2, 2014.

Bottom Line: With these new cards, you can potentially earn 2.4 – 4.5 Membership Reward points per dollar, capped at $6,000 per year.

It’s also a nice way to park Membership Reward points for free (with the EveryDay card), that you earned with a nice signup bonus on one of the other American Express charge cards.

Bank of America Credit Card Holders – Free Museum Admissions This Weekend

The first full weekend of every month, Bank Of America credit card holders, get free admissions to 150 museums nationwide.

This coming month, the Free admissions will be on March 1st and 2nd.

Some of the participating museums, include:

Click here for more promo details.

TurboTax Federal + eFile FREE – Or TurboTax Deluxe Federal & State for $39.99 + Get Extra 10% Back Of Refund and/or $20!

41UaiONW8hL._SY300_You can file your federal taxes and e-file for FREE through TurboTax!
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Alternatively, Amazon has the TurboTax Deluxe Fed, Efile and State 2013 with Refund Bonus Offer for only $39.99!  Also, with this offer, you can use some (or all) of your federal refund to purchase an Amazon Gift Card from TurboTax and TurboTax will tack on an extra 10%. Example: $500 would become $550!
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American Express Serve, has an offer, if you move all or a part of your tax refund to serve, you’ll automatically get a $20 credit! (Once it’s moved to Serve, you can just move it out to cash or pay bills) This is in addition to the FREE $50 credit after you make just 2 direct deposits of $250 or more! Amazon Payments or Paypal work just fine as direct deposits.

American Express Serve is a reloadable prepaid account (American Express Serve is not a credit card.)

With Amerx serve, even though it’s not a credit card, you get all the awesome American express card benefits, such as return protection, price protections and all the special promotions etc;!

There is no credit check. no minimum balance and no hidden fees. Even if you have bad credit, you’ll still be able to get Amex Serve!

Cashing Out The 40,000, $440 Bonus On The Barclaycard Arrival Credit Card

View Additional Limited Time Offers here!

Update 02/20/14: The Minimum spend requirement to get the 40,000 point bonus, has now gone up to $3,000 spend within the first 90 days. The 20,000 bonus point offer on the no annual fee version of the BarclayCard Arrival, still only requires $1,000 spend within 90 days.

Update 02/17/14: This awesome offer is still available! Though, according to our contacts at Barclaycard, The minimum spend required, will soon increase to $3,000 spend within 90 days. There is no better time to get in on this easy $400 + $40 offer, than now!!
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The Barclaycard Arrival World Mastercard is one of the best cash back credit cards out there. It offers a nice 2 percent cash-back (in the form of points) on ALL purchases, Barclays-Arrivalplus an additional 10% back upon redeeming your points, so effectively you are getting a nice 2.2% back on all purchases.

Plus, it also offers 40,000 bonus points for spending $1,000 within the first 90 days. Upon redeeming those 40,000 bonus points you will get the 10% bonus which will be 4,000 points which in essence means that you are really getting 44,000 bonus points or in dollar terms, $440 free. This is being advertised as a limited time offer, the end date is unknown.

The way to redeem the points at full value though is to redeem them for “Travel Expenses”. That means any time you charge travel to your card you will have the option of paying for the travel with your points at 1 cent value per point (+ you’ll get the 10% back).

The travel can be booked via any booking site or straight from the agency etc;. Airlines, Travel Agencies & Tour Operators, Hotels, Motels & Resorts, Cruise Lines, Passenger Railways and Car Rental Agencies are all considered travel expenses. Once the charge shows up on your account you can the simply go online to your Barclays account (see below) and request that the purchase be refunded using your points.

For example if you spend $420 dollars on a plane ticket and have 42,000 points from the bonus from opening the card and spending the $1,000, you’ll be able to get a $420 cash refund. Plus, you’ll also get 4,200 points redeposited to your account worth $42.

This card also doesn’t charge any foreign transaction fees. The annual fee is waived for the first year. After the first year is up, if you do not want to pay the $89 annual fee, simply call up Barclays and downgrade to the no annual fee version of the BarclayCard Arrival World Mastercard. The main differences between the Annual fee version and the no annual fee version is that the no annual fee version only gives a 20,000 point signup bonus and you only get 2 points on travel and dining purchases. The no annual fee version also gives a 10% point refund with every redemption and has no foreign transaction fees.

Also a nice perk about Barclays, is that they generally only pull from Transunion no matter your location, as opposed to Chase, Amex or Citi. That mean’s that Chase, Amex or Citi will not see the credit pull from Barclays or vice versa. Though, Barclays will see all of your recently opened cards if they are over 30 days old. Another great thing is that if you are maxed applying for cards from Chase or Amex here’s another great offer you can take advantage of. Click here to get your real Transunion score for free .

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Reminder: Chase Sapphire First Friday Of The Month Earn 3x Points On Dining

It’s that time again…On the first Friday of every month, Chase offers 3x Ultimate Reward points for dining purchases, when you pay with your Chase Sapphire Preferred credit card. Normally the Sapphire earns you 2x points on dining.

Even if you do not plan on makiSapphire1ng any dining related purchase this Friday, you can still maximize this benefit by purchasing gift certificates to the restaurants that you do plan on eating at in the future.

Dining on the Sapphire Preferred card includes all sit-down restaurants, fast food, coffee shops, catering, lounges etc;

The bonus works at any restaurant, internationally as well as within the US. Chase Sapphire Preferred cards do not charge any foreign transaction fees.

Chase Ultimate Reward points can be redeemed as cash back or for gift cards at a 1 cent value per point. However, if you have the awesome Chase Sapphire Preferred or either the Chase Ink “Bold” or Chase Ink “Plus” credit cards you can redeem the Ultimate Reward points at a rate of 1.25 cents each for travel using pay with points, or – where the most value is – you can transfer your Ultimate Rewards points to one of the program’s travel transfer partners which includes: United Airlines, Hyatt Hotels, Virgin Atlantic, British Airways, Korean Air, Southwest Airlines, Marriott Hotels, Priority Club, Ritz-Carlton and Amtrak.

American Airlines AAdvantage Discounted Award Travel To Los Angeles & Vegas

American Airlines is running a promo on award travel to LA & Vegas. Through February 27th you can book award travel from anywhere in the US to either Los Angeles or Las CaptureVegas for 2,500 miles less each way! That means a round trip will be 20,000 miles as opposed to the 25,000 miles that it usually costs.

Promo is valid on travel through April 4th, and must be booked by February 27th.

75,000 Bonus Point Offer On The Citi Executive AAdvantage World Elite Mastercard

Update: There is now another offer for 100,000 bonus miles! With the 100,000 bonus offer, you’ll need to spend $10,000 within the first 3 months as opposed to $7,500 on the 75,000 bonus offer. Also with the new 100,000 bonus offer, there is a $200 statement credit, essentially making the annual fee only $250. All other benefits are the same. When filling out the application, you can leave the referral code and airport code blank.
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There is a new ‘unofficial’ 75,000 bonus point offer from Citibank on the Citi Executive AAdvantage World Elite Mastercard.

With this new offer, you’ll get 75,000 AAdvantage bonus miles after spending $7,500 within the first 3 months of card-membership. AA_Admiral_World_Elite_lg

Other benefits:

  1. A free Admirals Club membership (value of up to $475)
  2. You’ll earn 10,000 Elite Qualifying Miles after spending $40,000 in purchases each calendar year
  3. $100 in statement credits
  4. First checked bag is free
  5. Priority Boarding and 25% savings on eligible in-flight purchases
  6. There are also no foreign transaction fees on with this card

This card does have a hefty $450 annual fee (or $350 taking into account the $100 statement credit) and requires a large initial minimum spend to get the 75,000 bonus miles. Though, if you are a heavy AA/USAirways guy, this card does give free access to both the AA Admirals Club as well as the USAirways lounges. The Platinum American Express credit card, as of March 22nd, will stop offering lounge access to both AA & USAirways lounges, so at this point, this is the only card that offers complimentary lounge access.

Also, a great perk with this card is that when you spend $40,000 you’ll get 10,000 in elite qualifying miles.

As of January 7th, American Airlines AAdvatage miles can also now be used on USAirways flights and USAirways miles on American Airlines.

For the time being, you can also still pick up an extra 30,000 – 40,000 USAirways miles with the US Airways credit card. USAirways miles will eventually turn into AAdvantage miles.

As the link to the Citi Executive AAdvantage World Elite Mastercard is an unofficial link, you will not see the bonus terms on the landing page, but as with all the other unofficial citi links, as long as the application shows, you should get the bonus.

(Thanks Deezee for the tip!)

Up To 50,000 Bonus Miles On The Frontier Airlines Credit Card

For a limited time, the offer on the Frontier Airlines Credit Card has been increased. With this offer, you’ll get 40,000 bonus points after $500 spend or a $500 balance transfer within frontierthe first 3 months. You can also earn up-to 10,000 additional bonus miles with a balance transfer.
There is a $69 annual fee, which is not waived the first year.

Full benefits:

  • Earn 40,000 Bonus Miles after spending $500 in the first 90 days
  • Earn Up To 10,000 Bonus Miles (1 mile per $1) with balance transfers in the first 90 days
  • Earn Double Miles on Frontier purchases and 1 mile per $1 on all other purchases
  • Low Intro APR on purchases and balance transfers for the first 12 months after account opening
  • Redeem companion tickets for 5,000 fewer miles (subject to fees/taxes from $5)
  • $69 annual fee

With Frontier Airlines, it is only 20,000 miles (compared to 25,000 miles on other airlines, excluding short haul flights using Avios) for a round-trip coach award anywhere in the US including Alaska, So 40,000 points is worth 2 round trip domestic flights.

A coach award to Mexico, Jamaica, Costa Rica & the Dominican Republic will only be 35,000 miles round trip. Click here for the reward chart

If you need to top off your account, you can transfer American Express Membership Rewards points to Frontier Airline miles at a 1:1 ratio.

You can also redeem your points for Rental cars at Avis, Hertz and National Car Rental. For example, a 1 day intermediate car rental from Avis, will be 7,500 miles, a 7day midsize National Car Rental will be 35,000 miles.

This card has a comparably low $500 minimum spending within the first 3 months, though you can always get American Express Serve to help reaching minimum spend thresholds, as you can upload $1,000 from your credit card, completely free, every month. You can also, for a limited time, get $50 when opening a Serve account. Paypal and/or Amazon Payments will qualify for direct deposit.

Also, a nice perk about Barclays Bank, is that they generally only pull from Transunion no matter your location, as opposed to Chase, Amex or Citi. That mean’s that Chase, Amex or Citi will not see the credit pull from Barclays or vice versa. Though, Barclays will see all of your recently opened cards if they are over 30 days old. Another great thing is that if you are maxed applying for cards from Chase or Amex here’s another great offer you can take advantage of.

‘Bait & Switch’: Note that there are 2 versions for this card, there is an Annual fee Version and a No annual fee version. If if you are approved for the lower end, no annual fee version card, you will only get 10,000 bonus miles. The problem is though, that it’s possible even though you applied for the higher end 40,000 bonus version, that you will only be approved for the lower version card, depending on “your credit worthiness”, so you might want to keep this in mind when applying.

Other Barclays cards with mega sign-up bonuses you might want to consider are the Barclaycard Arrival World Mastercard which offers 40,000 bonus points ($440 Signup bonus!) for spending $1,000 within 90 days, offers 2.2% cash-back on everything, and is one of the best cash back credit cards around. Another card you may consider is The US Airways Premier World MasterCard which offers up-to 40,000 Bonus points. For a full list of all the Barclaycard credit cards Click Here

If you are denied after applying for any of these cards, you can call Barclays reconsideration at 1-866-408-4064.

 

Reminder: Activate Your 5% Q1 Chase Freedom Cash Back – At Least 5% Cash Back at Gas Stations!

5% Categories Activation Link

Chase Freedom credit card holders can activate their Q1 5% cash back. Even though they are called “5% categories”, in essence, you really actually get 5 Ultimate Rewards points per dollar spent which can either be cashed out for 5% cash back or if you or your spouse have the Chase Sapphire Preferred, the Chase Ink Bold or Plus credit cards you can combine the points into the Sapphire or Ink accounts (read more about how to combine points here) and then transfer those points at a 1:1 ratio into more valuable airline miles.
chase freedom

This quarter’s (January 1-March 31, 2014) 5% cash back categories are, Gas stations, movie theaters and Starbucks. You can earn 5 points per dollar on up-to $1,500 which translates into 7,500 bonus points.

Additionally, If you have a Chase checking account you will also earn a 10% bonus on all points earned on all your spending during 2014. That means you’ll earn 5.5 points per dollar spent in these categories or 8,250 points!

You can also maximize your 5% categories by buying gift cards at Starbucks, that can be used throughout the year, or you can purchase Visa or even merchant gift cards, at gas stations that have convenience stores that sell them (for instance WaWa), as long as they get coded as a gas purchase.

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Chase Freedom – Benefits: 10,000 ($100) Bonus points when you spend $500 within the first 3 months, 1% cash back  for every dollar spent, 5% rotating cash back categories every 3 months, up to $1,500. If You have theChase “Sapphire Preferred”, or Chase “INK” credit cards, the Chase Freedom points can be transferred to the “Sapphire” or “INK” cards making the points transferable to airlines and hotels, and hence more valuable. There is no annual fee for this card, and there is a 0% Intro APR for the first 15 months, on purchases and balance transfers.

“Like” DealsMaven on Facebook (by clicking the above “like” button) and/or “follow” on Twitter to be be updated on other great freebies, deals and more!

50,000 Bonus Points On Alaska Air Credit Card + What They Are Good For

There is currently an awesome offer for 50,000 bonus points on the Bank of America Alaska Airlines credit card. This offer is “officially” targeted, though I have personally applied for 2 of them at the same time, using 2 different browsers and have been approved for the Visa Signature version on both!

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There are 3 versions for this card, Visa Signature, Platinum Plus or Preferred. YOU WILL ONLY receive the 50,000 bonus if you are approved for the Visa Signature version – Which requires a $5,000 minimum credit line. If you are approved for the Platinum version your bonus will be just 5,000 points or with the preferred version, just 3,000 bonus points. The problem is though, that it’s possible even though you applied for the Visa Signature version, that you will only be approved for a lower version card.

With the Visa Signature offer you get:

  • 25,000 miles on approval.
  • Additional 25,000 miles after spending just $1,000 within the first 90 days.
  • $99 annual companion ticket.

There is a $75 annual fee which is not waived, and there is a 3% foreign transaction fee with this card. If you cancel the card within 60 days, you’ll get the annual fee refunded.

When filing out the application, you can leave the Frequent Flyer number blank if you do not have an account.

If you are not approved for the card, you can try calling the reconsideration department  at 1-866-530-9829. If you are asked for a priority code, you can use VAB3E9.

You can check your application status here.

Though Alaska air is not part of any alliance, they do have multiple partner airlines where you can also redeem Alaskan points. When redeeming points on partner airlines there is a small fee of $12.50 for a one way award or $25 for round-trip. Partner airlines include Aeromexico, Air France, American Airlines, British Airways, Cathay Pacific, Delta Airlines, ERA Alaska, Emirates, Fiji, Korean, KLM, LAN, Pen Air, and Qantas. The only airline that they asses “fuel surcharges” for award travel is on British Airways.

Alaska Airlines allows for 1 way award travel. Plus, When flying solely on Alaska Airlines metal, you are allowed a free stopover on a one-way domestic award, including awards to Hawaii.

When booking Partner airlines for international travel, you can also book one way award travel (excluding Delta and Korean) and are also allowed one free stopover. Though, when booking Delta or Korean you will be charged as a round-trip fare. Just note, that when you book an award ticket on a partner airline, you can only have one partner airline in addition to Alaska Airlines for each one-way segment.

A one way domestic award flight on Alaska Airlines is just 12,500 miles, plus you get a free stopover. When redeeming on American Airlines or Delta, It will be the same amount of miles but you will not get the free stopover.

Changing or cancelling an award ticket 60 days before travel is free. A change or cancellation within 60 days will set you back $125.

50,000 Bonus Miles on the Miles & More Credit Card is Back!

Update 3: Offer Expired

Update 2: This offer is scheduled to end Today – December 15th.

Update: Barclaycard has relaunched the Lufthansa Miles & More credit card. Also, the sign-up bonus is currently increased from 20,000 miles to 50,000 miles on the Lufthansa Premier Miles & More World MasterCard.

Benefits:

  • Earn 20,000 award miles after your first purchase
  • Earn an additional 30,000 award miles after spending $5,000 or more in purchases in the first 90 days of opening your account
  • With 50,000 award miles you can redeem for a round-trip award flight to Hawaii, Europe or the Caribbean!
  • Cardholders receive a FREE Companion Ticket annually
  • Complimentary FICO Scores as a benefit to active cardmembers.
  • Earn 2 award miles per $1 spent on ticket purchases directly from Miles & More integrated airline partners
  • Earn 1 award mile per $1 on all other purchases
  • 0% APR on all purchases & Balance Transfers for the first 12 months
  • NO Foreign transaction fees
  • $79 annual fee
  • Note: You can get the annual fee waived the first year. Once you receive the card, and the annual fee has posted to your account, you can then call up and request the fee be removed. If the agent denies the request, ask to speak to an account specialist.

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Get a 100% Bonus for Sharing US Airways Miles – Get Miles For As Low As 1.1 cents!

Update 2: This awesome offer is scheduled to end today.

Update: This offer is around again through December 6th. Though this time, the offer is tiered, meaning you’ll only get the full 100% bonus if you share over 30,000 miles. Also, bear in mind that US Airways will be merging with American Airlines, so if you will not be burning the miles soon, they will turn into AAdvantage miles.  Also, this is likely from the last opportunities to get in on such cheap Star Alliance (and eventually American Airlines miles) before the merger, so if you’ve hesitated in the past, this is your opportunity.
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Originally posted October 1st.

US Airways Share Miles LINKindex

Here’s an awesome promotion from US Airways. Through October 15th, on the first 50,000 US Airways miles you share with a friend/spouse, US Airways will double the transfer up-to a maximum of 50,000 bonus miles!

Sharing the maximum amount (to receive the bonus) of 50,000 miles (i.e. paying to transfer them to someone else’s account) costs ~$568, including the $30 processing fee and 7.5% excise tax.

But the person to whom you transfer the miles would earn an extra 50,000 miles!

So you’ve essentially only paid 1.14 cents per mile ($568 / 50,000 US Air bonus miles) for the 50,000 bonus miles – which is quite a fantastic deal!!

Of course after your friend/spouse received the transfer, they can then share 50,000 miles right back to you or to another account, again for a total of 100,000 miles for the same cost.

Current American Express Discount Offers Roundup

  1. You can Sync your CaptureAmex card to your Twitter account HERE
  2. From your Twitter account, tweet the offer/s you would like to add to your account. For example #AmexBP to to add the BP offer to your synced Amex Card.
  3. Make sure that you’ve received a “@ reply” message from @AmexSync stating that this offer has been added to your synced Card.

With Twitter you can register multiple cards for these offers and ALSO all additional user cards by un-syncing and re-syncing the cards with your Twitter account or by using other Twitter accounts.

No Twitter? Note that many of these offers might also be available to you on your online American Express account under “Offers for you”. Additionally, these offers may be available through Facebook and FourSquare.

Current Amex Sync offers;

Chevron/Texaco: Get a one-time $5 statement credit when you spend $40 or more at any Chevron or Texaco by 1/31/14. Tweet #AmexChevron

BP Gas: Get a $5 statement credit when you make a purchase of $25 or more at BP by 12/31/13. Tweet #AmexBP

Exxon Mobil: Get a one-time $5 statement credit when you make a single purchase of $30 or more at the pump at any Exxon or Mobil station by 12/31/13. Tweet #AmexExxonMobil

Amtrak: Get a one-time $30 statement credit when you make a single purchase of $150 or more at Amtrak by 02/15/14. Tweet #AmexAmtrak

Kohl’s: Get a one-time $10 statement credit when you spend $50 or more at Kohls.com by 12/31/13. Tweet #AmexKohls

Sharper Image: Get a one-time $25 statement credit when you make a single purchase of $125 or more at Sharperimage.com by 12/31/13. Tweet #AmexSharperImg

JCPenny: Get a one-time $10 statement credit when you make a single purchase of $50 or more at JCPenney in-store and online by 12/31/13. Tweet #AmexJCP

Tiger Direct: Get a one-time $30 statement credit by using your enrolled Card to spend a total of $100 or more online at Tigerdirect.com by 1/6/2014. Tweet #AmexTigerDirect

Abt: Get a one-time $20 statement credit when you make a single purchase of $200 or more at abt.com by 12/31/13. Tweet #AmexAbt

Best Buy: Get a one-time $25 statement credit when you spend a total of $250 or more at Best Buy in store or online by 12/31/13. Tweet #AmexBestBuy

RueLaLa: Get a one-time $20 statement credit when you make a single purchase of $100 or more online at RueLaLaby 12/31/13. Tweet #AmexRueLaLa

Costco: Get a one-time $15 statement credit when you spend $115 or more on Costco.com by 12/31/13. Tweet #AmexCostco

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Amex Platinum Losing AA & US Airways Lounge Access

American Express has announced that Beginning March 22, 2014, Platinum cardholders will no longer have complimentary access to the American Admirals Club or US Airways Club lounges.Capture

This applies to  all American Express Platinum cards (Consumer, Business and Corporate Platinum and Centurion Cards)

Complimentary lounge access to The Delta Sky Clubs will still be offered with a Platinum card and a same-day Delta ticket as well as The Airspace Lounges and Centurion Lounges, and you will still get complimentary membership in Priority Pass Select.

Amex has been sending out targeted emails to some of it’s cardmembers, offering between $200 – $500 of statement credits for incidentals fees from either of those airlines between March 22, 2014 to December 31, 2014.

Those statement credits can be used for;

  • Membership fees in the Admirals Club program and US Airways Club
  • One-day passes to Admirals Club lounges and US Airways Clubs
  • Other American Airlines and US Airways incidental fees like baggage fees or flight change fees – (Airline Gift cards anyone? 😉 )

This $200-$500 targeted credit is in addition to the $200 annual airline credit, which is pretty nice, being that it cancels out the annual fee of $450 for nearly two years!

Now the only card that will offer “complimentary” AA lounge access is the American Airlines Executive AAdvantage card. Though with it’s hefty $450 annual fee + not nearly anywhere as many benefits as the Amex Platinum offers, you would need a pretty good reason to get one.

Refer A Friend To Chase Freedom Or Sapphire Get Up to 50,000 Points

Referral Program Link

This has been around for a little while, just never got around to posting it. Chase has a referral program for both the Freedom and Sapphire cards where you can get 5,000 bonus points for every card referred, up to 50,000 bonus points.

You can send the referrals via Twitter, Facebook or email.

CaptureYou have to make a referral by January 31, 2014.
You get the points as long as the person who you refer uses the card before May 31, 2014.

This is offer won’t work for everyone. Officially only select card-members are eligible for this program, though many people that tried have had luck.

Get $25 Back When Spending $75 At Amazon With American Express!

Update 2: Direct registration is now closed. Registration for this promo through twitter is still open but you may want to hurry before that gets closed too.

Update: You can register your American Express credit cards via this link. Additionally, you can also register all of your “Additional User” cards for this promo! Lock in the savings now by buying Amazon gift cards.  
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American Express has a new promo. Get a $25 Statement Credit with any $75+ Purchase at Amazon! Officially this offer is valid through December 31, 2013. Though you should probably add this offer to your card ASAP, as this offer will probably fill up before then.Capture

To register for this promo;

  1. Sync your Amex card to your Twitter account HERE
  2. From your Twitter account, tweet #AmexAmazon to add the offer to your synced Amex Card.
  3. Make a single purchase of $75 or more with your synced card at Amazon by December 31, 2013.
  4. Receive the $25 within up-to 90 days after your purchase – (though usually a lot sooner)

See T&C’s here

Note: Make sure that you’ve received a “@ reply” message from @AmexSync stating that this offer has been added to your synced Card

No Twitter? You may be able to register by logging in into your americanexpress.com online profile and checking under “offers for you”, or on Facebook or on Foursquare,

Not sure what to buy? Just buy an Amazon gift card! They never expire and you can lock in the savings now.

amexamazon

Amex Small Business Promo Is Coming Back – $10 Statement Credit + What You Need To Know

Update: Today is the big day. Don’t forget to register your cards before you make purchases. You can register here or by calling 1-866-515-4134 – Press 1. ———————————————-

For the past 4 years American Express has been running a Small Business Saturday promo, where Amex cardholders would receive $25 statement Capturecredits on purchases made with their American Express cards at registered small businesses. This year the promo has returned, though this year instead of $25, the credit will only be $10. This years SBS will be taking place on November 30.

To get the $10 credit, you will need to spend $10 or more in a single in-store transaction at a qualifying small business that appears on the Small Business Saturday Map. Online transactions do not qualify.

To take part in this promo you will need to register your AMEX credit cards. You will be able to register your American Express Cards at www.shopsmall.com at 12:00 A.M. MST (Mountain Standard Time) on 11/24/13 until 11:59 P.M. MST on 11/30/13, unless the registration limit is reached sooner. Registration is limited.

In the past years all AMEX credit cards worked for  this promotion – even from 3rd party issuers, such as the no annual fee Travelocity American Express Credit card which is issued by Barclays bank. However, if for whatever reason you do not get credit automatically, unlike with cards issued direct by American Express, where getting the credit issued manually is as simple as a phone call or sending a Secure Message, with a 3rd party issued card it will be extremely difficult.

This year also, the FREE AMEX Serve is included in in this promo. So even if you do not have any American Express credit cards, or have bad credit and can’t get approved for an American Express credit card, you can still take advantage of this promotion as the Amex Serve is open to anyone (good or bad credit) and there is no credit pull when applying.

Additionally, This promo works with primary and secondary user cards issued directly from AMEX (where the account numbers are all different), but not with secondary cards from 3rd party issuers like Barclays etc;. Of course each card must be registered separately but you are able to use the same email address. With American Express cards you can add up-to 99 additional user cards, though it is not recommended as adding too many user cards is a risk of getting a “Financial Review” where AMEX suspends your account until you provide your tax documents. Also, even if you are only planning on adding a few such as 5 or more additional user cards, it is recommended to space them out. When adding additional user cards, AMEX asks for the users social security number. You can just say you don’t have it off hand, and you can ignore the requests you will get for that in the mail.

Bottom line: It’s worth it to add some additional users to your AMEX accounts, as each additional user cards will be another free $10, (and it will help you cover the annual fee on your card) but it’s not worth it to over do it, unless you are okay with a “financial Review”. Also, it may be worth is to sign up for the free AMEX Serve as there will be no credit pull or anything, and you’ll even get a free $50. To get the FREE $50 you’ll need to make 2 direct deposits of $250 each, which is extremely simple, as Amazon Payments or Payapal will work just fine for this. Additionally, with Serve, you can add up-to $1,000 from your credit card per month which in turn equals free miles/points. That’s 12,000 FREE miles/points a year!

American Express Gift Cards W/No Fees! = Meeting Minimum Spend Requirements For Free

Now through January 31st, 2014 American Express is offering Gift Cards without the usual fee of $3.95-$6.95 per card when using promo code HOLIDAYCC3. This promo code does not waive the shipping charge.

amex gc

Gift cards range between $25 – $3000 and you can purchase up-to $5000 worth of gift cards.

A great thing about gift cards (besides for giving gifts, of course) is that it’s a great way to meet minimum spend requirements for credit card sign-up bonuses within the allotted time frame!

Unlike merchant specific gift cards, Amex gift cards can be used virtually anywhere, as they are accepted anywhere American Express is accepted.

Note: Citibank generally processes gift card purchases as cash advances, so you definitely DO NOT want to purchase these on your Citibank credit card. Additionally, purchasing large amounts on your American Express credit card “may” lead to a “financial review”.

American Express Gift Cards – LINK

American Express Business Gift Cards – LINK

American Express Personalized Gift Card – LINK

American Express Photo Gift Cards – LINK

American Express e-Gift Cards – LINK

Chase Freedom Now With 20k Bonus + Q1 2014 5x Bonus Categories

For a limited time only, Chase has increased the bonus on the Freedom card from Capture10,000 bonus points to now 20,000 bonus points.

The Freedom card benefits:

  • 0% Intro APR for 15 months on purchases and balance transfers.
  • 5% Cash Back on up to $1,500 spent between October 1 and December 31, 2013 at Amazon.com and select department stores
  • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee

Also, If you have a Chase checking account, The freedom will earn a 10% annual point dividend every February on all points earned during the previous calendar year.

One of the great benefits of this card (where you can rack up nice bonus points) is the 5x category spend on up-to $1,500 per quarter. There are 4 quarters per year, each quarter the Freedom offers 5 points for every dollar spent at select stores or categories. For example, through December 31, 2013 you can get 5 points on every dollar at Amazon and select department stores.

Quarter 1 5x categories spend next year, January – March, 2014,  will include:

  • Gas Stations
  • Movie Theaters
  • Starbucks

If you maximize the $1,500 spend per quarter on the 5x category spend (which is $6,000 in yearly spend) you will get 30,000 Ultimate Rewards points. Normally 30,000 Freedom Ultimate Rewards points equals $300 in cash-back, but if you have the Sapphire Preferred and/or Ink Plus/Bold cards, you can then transfer the points into your Sapphire/Ink accounts. Once the points are in your Sapphire/Ink accounts they can then also be transferred out to more lucrative options where the value per point can many times exceed the 1 cent value per point if you were to just redeem them for cash-back. Transfer options (in addition to cash back or gift cards) with the Sapphire/Ink cards are:  United Airlines, British Airways, Southwest, Korean, Virgin Atlantic, Hyatt Hotels, Marriott, Ritz-Carlton, Priority Club and Amtrak.

Chase Increases Bonus On Sapphire Preferred Card To 55,000 Points

Update: The bonus is now back to 45k.

Chase has increased the sign up bonus on the Sapphire Preferred from 4sapphire_preferred_card0,000 bonus points to now 50,000 + 5,000 bonus points when you add an authorized user. You will now receive 50,000 bonus points after spending $3,000 in the first 3 months and an additional 5,000 points when you add an authorized user to your account.

There is also another new offer of 40,000 + 5,000 bonus points. The difference between the offers is that the 55k bonus offer comes with a $125 annual fee after first year as opposed to the 45k sign-up bonus which comes with a $95 annual fee.

There is no fee for adding an authorized user.

Benefits of the Sapphire Preferred:

  • 2x points on travel and dining, 1 point on all other purchases.
  • Earn an annual 7% point bonus on all spending.
  • Points are redeemable for 1% cash back or points can be transferred at a 1:1 ratio to United Airlines, British Airways, Korean Air, Southwest Airlines, Virgin Atlantic, Hyatt, Marriott, Ritz Carlton, Priority Club and Amtrak or points can be used at a value of 1.25 for each point towards airfare.
  • No Foreign transaction fees.
  • Card come with an EMV chip so that you can use it hassle free in Europe.
  • 24/7 Customer service – your calls are always answered by a human.
  • Worldwide collision insurance when renting a vehicle (including Israel)
  • First year free

Discover IT Credit Card To Start Offering Free FICO Score

583516Update: Discover IT will be offering the Free FICO score starting today.
——————————————-
Originally posted November 7th.

Starting November 18, The Discover IT credit card will start offering your FICO Score for FREE! This is a nice added perk to this card.

As of now, only the Discover IT will get this added benefit, not the other Discover cards.

The free FICO score benefit, seems to be part of the new FICO open access program which allows finance and credit card companies to provide credit scores for free to their customers. As we reported earlier this week Barclays was the first to join and now Discover will joint too. Here’s hoping that this is the start of a good trend and we’ll see American Express, Chase and Citi offering free credit scores in the near future.

With the Discover IT credit card, there is No annual fee, No overlimit fee and also No late fee on your first late payment, and paying late won’t raise your APR.

There is also No Foreign Transaction Fees with this card ever. If you travel overseas every so often and don’t want to pay the 3% foreign transaction fee that most other credit cards charge – The Discover IT is for you. It can lay around until you are ready to travel without charging any fees.

Some of the great things about this card:

  1. 5% quarterly cash back. The Discover IT offer 5% cash back on up to $1,500 in purchases on revolving categories throughout the year. All other purchases get 1% cash back with no limit. The current 5% cash back categories (through December 31, 2013) is All Online Shopping Anywhere which even includes Amazon Payments!
  2. This card offer 5-20% extra thru the ShopDiscover shopping portal. You can make many of your online purchases through Discover’s shopping portal and get up-to a whopping 20% cash-back on your purchase! – Nothing to sneeze for a fee free card.
  3. This card gives you Free Collision insurance on car rentals – including in Israel for up-to 25,000 in damage.

Additionally, Discover sends out throughout the year targeted promotions to it’s cardholders for additional cash back opportunities.

The Discover IT also offers 0% Apr for purchases and balance transfers for the first 14 months.

The cash back on this card can be redeemed in the form of a statement credit, direct deposit to your bank account, gift cards or you can shop at Amazon and pay with your points. When redeeming your points for gift cards, discover will also many times offer a bonus on your redemption.

Get $20 Back When You Spend $79+ at Walmart With Your American Express Card

American Express is currently offering on select cards, $20 back on a $79+ purchase at Walmart.com. Enrollment is limited. Credit valid until 12/31/13.

Not sure what to buy? You can always buy a $79 physical gift card or a $79 eGift card to be used at a later date, while locking in the $20 statement credit.

To see if this offer is available for you, click on “Offers For You” which is under you account summary on your online American Express account. There is no rhyme or reason to which accounts have this offer. If the offer doesn’t appear under your first card account, keep checking the other accounts. Once you find the offer, be sure to click “Save Offer”.

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  • Valid online only. In store transactions are excluded.
  • Enrollment limited.
  • Offer is non-transferable.
  • Not valid on gift card reloads and prepaid cards.
  • If you order an item during the offer period but it is not sent to you until after 12/31/13, it may not count towards determining whether your purchase qualifies for the offer.
  • Limit 1 statement credit per American Express Card across all American Express offer channels.
  • Statement credit will appear on your billing statement within 8 weeks after American Express receives information from the merchant about your qualifying purchase.

American Express: $5 Statement Credit Each Time On Purchases Of $25+ at BP Gas

CaptureHere’s another Amex Sync offer. American Express is now offering a $5 Statement Credit every time you spend $25 or more at BP gas stations. Offer valid through December 31, 2013

To register for this promo;

  1. Sync your CaptureAmex card to your Twitter account HERE
  2. From your Twitter account, tweet #AmexBP to to add the offer to your synced Amex Card.
  3. Make a single purchase of $25 or more each time with your synced card at BP by December 31, 2013.
  4. Receive the $5 statement credit for every purchase within 90 day after your purchase.          You can see full T&C’s here

Note: Make sure that you’ve received a “@ reply” message from @AmexSync stating that this offer has been added to your synced Card.

Alternatively, If you do not have twitter, you can also get this offer by checking on your online American Express account, under “Offers For You” to see if you have this offer available. If available, be sure to click on “Save Offer”.

bp1

Add this promo on your American Express Blue Cash Preferred for an even bigger savings. Blue Cash Preferred offers a nice 3% back on gasoline purchases. $5 off $25 = 20% off + the 3% back you get with the Blue Cash Preferred = a whopping 23% back on gas purchases!

Click here to locate a BP gas station near you.

FREE Lifetime ShopRunner Membership With American Express Card Membership ($79/Year Value!)

American Express card members can currently get a ShopRunner membership completely FREE, as long as you keep an eligible American Express Card as your default card in Express Checkout at ShopRunner!

All credit card offers can be viewed via the links in the credit cards tab.

CaptureWhen signing up, you will be asked to verify that you are an American Express Card member by filling out a form with your American Express card info. You will not be charged, this process is just for verification purposes.

With ShopRunner you can get FREE two-day shipping and free return shipping at 80+ online retailers, such as Brooks Brothers, Easy Spirit, Toys R Us, Babies R Us, Newegg, Drugstore.com and many more.

You can use any of your American Express Consumer or Business credit cards or charge cards. Prepaid cards such as Serve, American Express Corporate Cards and American Express-branded cards (Such as the Travelocity Amex) or account numbers issued by other financial institutions are not eligible.

All credit card offers can be viewed via the links in the credit cards tab.

Barclaycard Cardmembers Can Now Get Real Transunion FICO Score Free + Non Cardmembers Get Yours Too

View Additional Limited Time Offers here!

As of today, Barclaycard has partnered with FICO to offer it’s card-members the Transunion FICO (Not FAKO!) score absolutely free.This means that card-members will have access to the same information and score that the banks and credit cards issuers have. Card-members can now access their Transunion FICO scores right from their Barclaycard online profile.

CaptureIn addition to generating your score, Barclaycard’s site also provides the top two factors currently affecting your score and a chart showing historical changes (available after three months of history, showing up to 12 months of data). You can also opt to get an email alert anytime your score changes.

While many companies claim to offer “free” credit scores, most are not “real” ones (aka FAKO scores) or require a fee for ongoing access, so this free FICO score is a a pretty nice added perk.

Select Barclaycards such as the Barclaycard Arrival (One of the best cash-back credit cards out there, Read more here) the Barclaycard Ring, and the USAirways Mastercard are now giving the FREE credit score.

There are 3 credit bureaus, Experian, Equifax and Transunion. There is therefore 3 individual credit scores – one for each bureau.

The most widely used credit score company is FICO. FICO is a company that simply aggregates credit data from the bureaus and generates a unique score for every bureau based on your credit info at that particular bureau. They then sell that information to companies and banks. It produces a number based on your perceived credit worthiness on a scale of 300-850, with roughly 700 being the average. Per the FICO website, the five main factors of your credit score are: 35% payment history, 30% amounts owed, 15% length of credit history, 10% new credit and 10% types of credit.

Generally a score above 700 is considered good. Once you are above 720, it generally doesn’t matter whether you have a 760 or 850 score. Perfect credit will make you feel good, but realistically doesn’t really make much more of a difference than say people who have very good credit. In fact, many people can still get in on credit cards with mid to high 600′s – it just depends on your income and history with the lender.

No Barcalycard? You can get your real Transunion score directly from Transuinion with a free trial. You can cancel online hassle free. What’s recommended is to get your credit report and credit score, print or save to PDF, and then cancel immediately afterward on the same day so that you won’t forget later.

You can also get your real Equifax FICO score at MyFico. You can call 1.888.577.5978 to cancel, you are able to do it online as well, though it’s not cancelled automatically as the Transunion is. The trick is to get your credit score and/or credit report, and then cancel immediately afterward on the same day so that you won’t forget later. Hours (PDT) M-F 6am-6pm, Sat 7am-4pm, Sun Closed.

Get a $20 Statement Credit with a $100+ Purchase at Ruelala

American Express has a new promo. Get a $20 Statement Credit with a $100+ Purchase at Ruelala. Offer valid through December 31, 2013.Capture

To register for this promo;

  1. Sync your Amex card to your Twitter account HERE
  2. From your Twitter account, tweet #AmexRueLaLa to add the offer to your synced Amex Card.
  3. Make a single purchase of $100 or more with your synced card at RueLaLa by December 31, 2013.
  4. Receive the $20 within up-to 8 weeks after your purchase.

Note: Make sure that you’ve received a “@ reply” message from @AmexSync stating that this offer has been added to your synced Card

Ruelala is an exclusive member only boutique deals site at Members–only prices. They have deals on women’s and men’s fashion, home, travel, kids, and more. New Boutiques open at 11AM ET and stay open for just 48 hours.

Click here to join Ruelala

Amex: Get $30 Back as Statement Credit When You Spend $150 + at Shoprite

Update: This offer ends tomorrow.                                                                                  ————————————————————-                                                            Originally posted September 14

Get $30 Back as Statement Credit When You Spend $150 + at Shoprite

  1. Register your American Express card through the above link.
  2. You should receive a confirmation email within a couple of minutes from American Express Network with the title “Thank you for Registering”
  3. Use the registered credit card to make a single purchase of $150 or more either in-store or online between August 18 and October 12, 2013.
  4. Get $30 back on your statement.
  5. Enjoy!

Use an Amex Blue Cash Preferred for a whopping 6% cash back on top of the $30 statement credit!

Tip: If you are not planning on spending $150 on groceries in one shot at Shoprite, you can purchase Gift Cards, including to other merchants and still receive the $30 statement credit!

American Express: Get $25 back on $75+ Spend at Staples – Includes Gift Cards!

Staples Gift Card LINK

Here is another awesome American Express offer. “Get a one-time $25 statement credit by using your enrolled Card to spend a total of $75 or more at Staples by 12/10/13″. This $25 credit offer works for anything sold by Staples excluding e-gift cards. Regular Gift cards are included in this promo. That means that if you for instance purchase a $100 Visa gift card the total after credit will be just $81.95 with shipping! If you purchase a $100 regular merchant gift card, such as to Marshalls, Amazon etc, the total will be just $75 – $76.99 after credit! Of course you can also purchase “regular” items at staples too.

Be sure to add all of your Amercan Express credit cards. 3rd party Amex cards are not included in this promo.

To register for this offer, Log in to your American Express account at. americanexpress.com , click on Recent Activity under a card that you have, then click on the “Offers For You” tab and see if the offer is there. Once you spot the offer, simply click on “save offer”. That’s it, you are registered.

amexscsstap

  • Offer valid in store or online at www.Staples.com.
  • Purchases from StaplesAdvantage.com & E-Gift Cards not included.
  • If you order an item during the offer period but it is not sent to you until after 12/10/13, it may not count towards determining whether your purchase qualifies for the offer.
  • Gift Cards are eligible.
  • Enrollment for the offer is limited. Limit 1 statement credit per American Express Card across all American Express offer channels.
  • Statement credit will appear on your billing statement within 8 weeks after American Express receives information from the merchant about your qualifying purchase.
  • Statement credit may be reversed if qualifying purchase is returned/cancelled.

Amex Sync: Get a $5 Statement Credit When You Sync Your Card w/Trip Advisor & Leave a Review

Here is yet another Amex Sync offer. American Express is offering a $5 statement credit when you sync your American Express credit card with Trip Advisor and leave a review on Trip Advisor.4092j

Sync your card here.

Offer Terms & Conditions:
Get a $5 statement credit when you connect your eligible American Express Card with TripAdvisor and leave one posted review (approved by TripAdvisor) before 23.59 (EST) on December 31, 2013. Corporate and Prepaid Cards are not eligible.

You must connect your American Express Card to TripAdvisor to be eligible to receive the $5 statement credit.
Quantities are limited.
Only one $5 statement credit per connected Card.
Your Card must remain connected until the statement credit is applied.
Statement credit may not be received if a review doesn’t meet TripAdvisor’s qualifications and is not posted by TripAdvisor.

American Express Serve: Get $50 for FREE! + Reach Credit Card Spend Threshold

Amex Serve has a limited time offer now, where you can get $50 for FREE when you make a direct deposit by October 31st. Additionally, you can even use your Serve account for the American Express Small Business Saturday promo as one of your credit cards, for an additional FREE $10! There is no fee to have an Amex Serve account and there is no credit pull.

Trying to figure out how to make a direct deposit? Amazon Payments should work just fine.

Amex Serve can also help with reaching credit card minimum spend thresholds. Amex Serve could be loaded via credit card, debit cards, gift cards and Vanila Reolads or MoneyPak’s!  Once loaded, the money could be transferred to a friend, transferred to a bank account, withdrawn from an ATM, or spent via the Serve prepaid card.

Upload limits:

  • You can upload $200 per day and $1000 per month from a credit card
  • You can upload $200 per day and $1000 per month from a debit card. (People have reported success in using gift cards instead of debit cards!
  • With MoneyPak or Vanilla Reload, you can upload up to $1,000 per day. Moneypak’s can be purchased  at CVS, Walmart, Kmart, Office Depot, Walgreens, 7-Eleven, Rite-Aid etc; Many locations will allow you to purchase these MoneyPak’s or Vanilla reloads with a credit card!

Also, if you do not have any credit, a nice perk to having Amex Serve is if you use it enough you might get invited to sign up for a normal AMEX card which you can then use to start building up your credit.

Reminder: Chase Sapphire First Friday Of The Month 3x Points On Dining

On the first Friday of every month, Chase offers 3x Ultimate Reward points for dining purchases, when you pay with your Chase Sapphire Preferred credit card. Normally the Sapphire earns you 2x points on dining.

Even if you do not plan on making any dining related purchase this Friday, you can still maximize this benefit by purchasing gift certificates to the restaurants that you do plan on eating at in the future.

Dining on the Sapphire Preferred card includes all sit-down restaurants, fast food, coffee shops, catering, lounges etc;

The bonus works at any restaurant, internationally as well as within the US. Chase Sapphire Preferred card does not charge foreign exchange fees.

Chase Ultimate Reward points can be redeemed as cash back or for gift cards at a 1 cent value per point. However, if you have the awesome Chase Sapphire Preferred or either the Chase Ink “Bold” or Chase Ink “Plus” credit cards you can redeem the Ultimate Reward points at a rate of 1.25 cents each for travel using pay with points, or – where the most value is – you can transfer your Ultimate Rewards points to one of the program’s travel transfer partners which includes: United Airlines, Hyatt Hotels, Virgin Atlantic, British Airways, Korean Air, Southwest Airlines, Marriott Hotels, Priority Club, Ritz-Carlton and Amtrak.

American Express Mebership Rewards 20% Bonus on Transfers To Choice Privileges

Through November 30, 2013, American Express Membership Rewards is offering a 20% bonus when transferring points to the Choice Privileges hotel program.

Normally points transfer at a ratio of 1 American Express Membership Reward point to 1 Choice Privileges point – which isn’t all that great in terms of value – but at least with this new promotion, you can a little better value as a transfer 1,000 Amex will now net you 1,200 Choice Privileges points instead.

The last time Amex had a transfer promo to choice privileges it was a 50% bonus, but that was already a couple of years ago.

Choice Privileges hotel points can be redeemed at over 6,000 locations. Choice award nights require between 6,000 to 35,000 points per nigh, so with the 20% bonus it comes down to 5,000-30,000 Amex MR points.

Choice Hotel brands include, Clarion, Comfort Inn, Roadway Inn, Mainstay Suites, Quality Inn, Sleep Inn, Ascend Collection, Econo Lodge and Cambria Suites.

As with any redemption, you’ll want to do the math for yourself to figure out if the specific redemption you’re interested makes sense in terms of value.

British Airways Credit Card Annual Fee Waived & Using BA Points

Update: This offer is scheduled to expire today, September 30. If you haven’t yet applied for this card, you may want to soon.

For a limited time, Chase has waived the $95 annual fee on the British Airways Visa ba_sig_cardSignature credit card.

With this offer you will receive;

  • 50,000 British Airways Bonus Avios points for spending $2,000 within 3 months.
  • Pay no foreign transaction fees for purchases when you travel abroad
  • Get 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases.
  • Earn a Travel Together Ticket good for two years, every calendar year you make $30,000 in purchases on your British Airways Visa Card.
  • Cardholders get 10% off paid British Airways tickets with promo code: CARDOFFERU
  • This credit card includes a “chip” so it can be used in Europe.
  • Once the free first year is up, there is a $95 annual fee.

British Airways:

British Airways, like American Airlines, is a member of the oneworld airline alliance.

The oneworld alliance is a group of 12 airlines including: Air Berlin, American Airlines, British Airways, Cathay Pacific, Finnair, Iberia, Japan Airlines, LAN Airlines (including LAN Argentina, LAN Ecuador, LAN Express, LAN Peru), Malaysia Airlines, Qantas, Royal Jordanian and S7.

British Airways also has non-oneworld alliance partners such as Alaska Airlines, Aer Lingus and Open Skies. Alaska and Aer Lingus can only be booked by calling BA at 800-452-1201.

This means that you can use your British Airways miles not only for travel on British Airways, but also on any of their oneword and non-oneworld partners.

Avios:

British Airways “Avios” points are both from the best and from the worst points out there (Huh?! How is that possible?! Read on…). Where they are simply awesome, is when redeeming for “short-distance flights”. Unlike other frequent flyer programs which will charge you a minimum of 25,000 points -…. for a round trip domestic mileage ticket regardless of the distance flown, BA Avios redemption’s are distance based.  For instance a flight from NYC to Detroit or from NYC to Toronto is 25,000 miles round trip – if you get saver award availability, otherwise its 50,000 – on United Airlines, but using Avios for these flights on American Airlines, is just 9,000 points round trip!

The Mileage Chart:

You can calculate the distance of your flight with the British Airways Avios Calculator or you can use the Great Circle Mapper.

Note: If the flight in question has a stopover, you will have to price each segment flown separately. Since British Airways doesn’t fly domestic, you will need to redeem your points on American Airlines for domestic redemption’s. Now, for instance, If AA has a direct flight to your destination and its under 650 miles, then the total cost will be just 4,500 points. What if though, AA doesn’t have a direct flight to your destination, and you need to take 2 AA flights to reach your destination? You will need to price each leg separately, and even though the total distance flown will be less than 650 miles you will end up paying 4,500 points x2 since there are 2 segments. This is different than he average US frequent flyer program which charges a flat redemption rate for tickets regardless of the stopovers,

The prices below are for coach travel. You will pay double for business class and triple for first class. Note: British Airways considers most domestic US flights being that they only have 2 cabins to only have economy and first class and will thus cost triple the coach rate to fly in business class. If the flight in question has 3 cabins with a “real first class”, the Avios needed will calculate accordingly. Also, this “issue” is only for flights in the US not for international flights, so a flight for instance, NYC – Toronto in business will price accordingly.

  • Flights that are 1-650 miles = 4,500 Avios.
  • Flights that are 651-1,151 miles = 7,500 Avios.
  • Flights that are 1,151-2,000 miles = 10,000 Avios.
  • Flights that are 2,001-3,000 miles = 12,500 Avios.
  • Flights that are 3,001-4,000 miles = 20,000 Avios.
  • Flights that are 4,001-5,500 miles = 25,000 Avios.
  • Flights that are 5,501-6,500 miles = 30,000 Avios.
  • Flights that are 6,501-7,000 miles = 35,000 Avios.
  • Flights that are 7,001 miles or more = 50,000 Avios.

Where Avios are generally a bad value (compared to other US frequent flyer programs) is redeeming them to use for most long-distance flights or for any redemption that charges their notorious high fuel surcharges (most flights to Europe).

For instance, an award ticket redeeming American Airline miles from NYC – London will charge just $2.50 in taxes. On the other hand, if you are redeeming Avios, the total in taxes and fess will be a whopping $412.70 for the exact same flight!

Also, since Avios uses a distance based chart, you can get some superb value on short destinations. The caveat is though, when redeeming on long-haul flights, they will charge a lot more miles then their peers, and this is bedsides for the high fees.

The exceptions to the rule – where Avios does not request theses high fees are;

  • Flights within North America redeeming points on American Airlines or Alaska Airlines
  • Redeeming points for flights on Air Berlin, Aer Lingus or LAN
  • Redeeming for flights on Qantas and are entirely within Australia
  • Flights that are within Europe
  • Additionally, Flights that are on Cathay Pacific have lower fees
  • Also, If you have an Iberia account with miles in it, you can transfer BA Avios into Iberia at a 1:1 ratio and save with less fuel surcharges for travel on Iberia.

Other benefits of Avios points:

  • There are no expedite or close-in fees for last minute award ticket bookings when booking with Avios.
  • You can book one-way tickets for half of the miles of a round-trip.
  • You can cancel tickets within 24 hours for free by calling British Airways at 800-452-1201. After 24 hours has passed you can redeposit miles for only the lessor of $40 or the taxes you paid. On a domestic ticket there is just $2.50 of taxes for each leg. That means you’ll pay just $2.50 to cancel a one-way domestic itinerary. Note: Date changes to a ticket cost $40, so if your ticket has less than $40 of taxes on it, its more worth it to cancel your ticket and rebook than to make a date change.
  • British Airways Avios expire after 36 months if there is no activity in your account. You can extend the life of your miles for another 36 months for just $2.50 by booking a short-distance domestic award for 4,500 Avios points plus $2.50 and then simply cancelling it after 24 hours. This constitutes account activity which extends the life of your Avios.
  • British Airways only charges 10% extra miles for a lap child flying internationally and 0 extra miles domestically when adding the infant at the airport (if flying internationally, add them at time of booking!). This is true even when redeeming Avios for flights on American Airlines. Normally, American Airlines as well as other domestic carriers charge 10% of the full regular priced fare, even though you are booking with points. That can sometimes add up to a pretty penny.
  • You can pool all your combined Avios points together within a household into one account.
  •  It’s easy to top-off your British Airways Avios account thanks to their partnerships with all of the transferable points programs. You can transfer Starpoints to BA at a 20K:25K ratio, American Express Membership Rewards or Chase Ultimate Rewards to British Airways Avios at a 1:1 ratio
  • With short-distance flights starting at just 4,500 Avios you can get a lot of free travel from your Avios.

Activate your 5% Q4 Chase Freedom Cash Back – At Least 5% Cash Back at Amazon!

5% Categories Activation LINKChase Freedom Visa

Chase Freedom credit card holders can now activate their Q4 5% cash back. Even though they are called “5% categories”, in essence, you really actually get 5 Ultimate Rewards points per dollar spent which can either be cashed out for 5% cash back or if you or your spouse have the Chase Sapphire Preferred, the Chase Ink Bold or Plus credit cards you can combine the points into the Sapphire or Ink accounts (read more about how to combine points here) and then transfer those points at a 1:1 ratio into more valuable airline miles.

This quarter’s (October – December)  5% cash back categories are, Amazon.com and Select department stores such as Boscov’s, JCPenney, Kohl’s, Macy’s, Nordstrom, and many more.

You can earn 5 points per dollar on up-to $1,500 which translates into 7,500 bonus points.

Additionally, If you have a Chase checking account you will also earn a 10% bonus on all points earned on all your spending during 2013. That means you’ll earn 5.5 points per dollar spent in these categories or 8,250 points!

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Chase Freedom – Benefits: 10,000 ($100) Bonus points when you spend $500 within the first 3 months, 1% cash back  for every dollar spent, 5% rotating cash back categories every 3 months, up to $1,500. If You have the Chase “Sapphire Preferred”, or Chase “INK” credit cards, the Chase Freedom points can be transferred to the “Sapphire” or “INK” cards making the points transferable to airlines and hotels, and hence more valuable. There is no annual fee for this card, and there is a 0% Intro APR for the first 15 months, on purchases and balance transfers.

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0% APR Credit Cards

All credit card offers can be viewed via the links in the credit cards tab. After clicking on the links, be sure  to scroll down and click “show more results” to view all the card offers.
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Generally its not worth it to apply for credit cards if you are not planning on paying the statement balance in full each month. Credit cards are not free money. Even with all the “bonuses” and “offers” its only worth it if you will be on top of your finances and not fall down the slippery slope of credit card debt.

Having said that, there are times when you just “need” that 0% APR offer. If you already owe money on your credit cards or if you need to make a large purchase its definitely better to pay 0% interest then the alternative 20% – ….

Below is a list of some current 0% APR Credit Cards which have 0% promotions of  between 12 – 18 months.

1. Discover It Credit Card – The Discover IT card offers 0% interest on purchases discover-itfor the first 6 months and 0% interest on balance transfers for the first 18 months.
There is no annual fee and no foreign exchange fees for this card.
Note: There is a 3% fee for transferring a balance to this card.
This card offers 5% cash back in rotating categories.

2. Barclaycard Arrival World Mastercard – The Barclaycard Arrival offers 0% barclaycard-arrival-world-mastercard-89-annual-fee-cardinterest on purchases for the first 12 months.
There is an $89 annual fee which is waived for the first year. After the first year, you can downgrade the card to the no annual fee version.  This card does not charge foreign exchange fees.
Besides for the free $400 signup bonus (which becomes $440 thanks to 10% back on all redeemed points) you can also get 2.2% cash back on all spending.
Read more in this post.
There is also a no-annual fee version of this card with 12 months of 0% APR but you don’t get the same mega sign-up bonus of $440 or the 2.2% cash back everywhere with this card.

3. US Airways Premier World MasterCard – The US Airways Mastercard offers us airways credit card0% interest on purchases and balance transfers for the first 12 months after account opening.                                         There is a $89 annual fee for this card.  With this card you will earn up-to 40k bonus points!                                                 Read more in this post

4. Premier Miles & More Credit Card – The Lufthansa Miles & More credit card miles & moreoffers 0% interest for both purchases and balance transfers for the first first 12 months after account opening.                There is a $79 annual fee for this card which is not “officially” waived. (you can try requesting for them to remove the annual fee – many have had luck)                         This card does not charge foreign transaction fees.                                                    A great thing about this card is the up-to 35k bonus points!                                     Read more in this post

5.Chase Slate Visa – The Chase Slate Visa offers chase slate0% interest on purchases and balance transfers for the first 15 months of cardmembership.
A great thing about the Chase Slate is if you transfer a balance to this card within 60 days of opening it, there will no fees at all!
There is no annual fee for this card.

6. Chase Freedom Visa – The Chase Freedom offers 0%chase freedom interest on purchases and balance transfers for the first 15 months of cardmembership.
Note that there is a 3% fee for transferring a balance to this card.
There is no annual fee for this card.
You will receive 10k bonus points after $500 in spend within the first 3 months. Besides for the signup bonus you also earn 5 points per dollar in quarterly rotating categories.   A great thing about this card is the possibility to transfer them into valuable airline/hotel miles. To do so, you or your spouse must have a Chase Ink Bold, Ink Plus, or Sapphire Preferred credit card to transfer the rewards points into miles.

7. Citi Simplicity card offers 0% interest on purchases and balance transfers for 18 6-citi-simplicity-card-lgmonths.                                                                              There is no annual fee for this card. There are also no late fees with this card.
Note: There is a 3% fee for transferring a balance to this card.

8. Citi Diamond Preferred Card offers 0% interest on purchases andciti-diamond-preferred-card balance transfers for the first 18 months.
There is no annual fee for this card.
Note: There is a 3% fee for transferring a balance to this card.

9. Citi Dividend Platinum Select Visa offers 0% interest on citi-dividend-platinum-select-visa-cardpurchases and balance transfers for the first 12 months.
There is no annual fee for this card.                                      Earn $100 cash back after $500 in purchases within the first 3 months of account opening.                                                  This card offers 5% cash back in rotating categories.

10. Citi ThankYou Card offers 0% interest on purchasesciti thankyou and balance transfers for the first 15 months.
There is no annual fee for this card.
Note: A 3% fee for transferring a balance to this card will apply.

Applying for credit cards: All credit card offers can be viewed and applied for by clicking here or on the credit cards tab above. On the credit cards page, you can click on the “Credit Cards By Issuing Bank” link, to view all credit card offers offered by any specific credit card issuer. Just scroll down and click on the logo of the bank issuer of your choice.