All posts by Leonard Kreicas

Clemson Credit Card

July 19, 2020UniversityBank of America, Intro APR, No annual fee, Rewards, Sign-up offersLeonard Kreicas

Keep your school spirit alive by giving Clemson University a place of pride in your wallet with a Clemson credit card issued by Bank of America.

Your credit card will have the official Clemson’s logo on it. Additional benefits for opening the card include:

0% APR on purchases for the first 12 billing cycles following the opening of your account
0% APR on balance transfers (3% fee applies) for the first 12 billing cycles
Get a $200 cash rewards bonus after you make at least $1,000 in purchases within the first 90 days
Earn an unlimited 1% cash back on all purchases
Earn a total of 2% cash back at grocery stores and wholesale clubs
Earn 3% cash back on a category of your choice
Cash rewards redeemed into a checking or savings account with Bank of America, N.A. or a Merrill Lynch Cash Management Account will have a 10% bonus
Absolutely no annual fee
All the features and guarantees of a Visa Signature credit card

The Clemson Alumni Association is a vibrant community dedicated to helping former students enhance their life’s journey by keeping in contact with classmates, instructors and support staff.

An open-membership, nonprofit organization since its inception in 1896, the Clemson Alumni Association exists to connect you with your fellow Tigers and with your alma mater.

Always be a part of the Clemson University lifestyle with the following resources:

Display your pride with the Tiger paws on your credit card issued by Bank of America and get rewarded on everyday purchases wherever Visa is accepted.

Alabama Credit Union Mastercard

June 5, 2020Credit UnionRewardsLeonard Kreicas

Bama Credit Card

Save on a balance transfer with a new Bama Mastercard offering an introductory 0.9% APR good for 12 months.

Or go for the no-frills Traditions Mastercard with its low APR of 8.99% to 12.99% on a continuing basis.

The Bama card features cash back on purchases, while Traditions card gives a better rate for card holders who decide to carry a monthly balance. Otherwise both cards very similar benefits and features. You compare the two versions HERE, along with the Secured and Student versions.

BENEFITS AND FEATURES

You don’t pay for hidden fees such annual fees or balance transfers, because the Alabama Credit Union doesn’t charge its members for credit card expenses such as:

NO annual fee
NO balance transfer
NO cash advance fee
NO interest charges on purchases on statements paid in full

Fees and rates are available as a disclosures pdf file.

MASTERCARD BENEFITS

Card holders get the full benefits which Mastercard is well-known for, such as:

Cell Phone Protection
Identity Theft Resolution Services
Extended Warranty
Zero Liability Protection
Auto Rental Insurance
MasterCard Airport Concierge^TM
MasterCard® SecureCode^TM
MasterCard Global Service^TM

For a more detailed explanation and guide visit Mastercard Guide To Benefits.

MEMBERSHIP

If you’re interested about applying for the card, you must first become a member of the Alabama Credit Union as explained here.

For people outside of the local field of membership, joining the wonderful Secret Meals Association by filling out its membership application would qualify you for the credit card. Donations are tax-deductible and the entire amount benefits the children per its website.

“Checks made out to Secret Meals or Alabama Credit Union Foundation, Inc., are tax deductible to the fullest extent of the law. Please check with your tax consultant.”

“To allow as many children to receive food packs as possible, Alabama Credit Union provides all promotional and operational funding for the Secret Meals program, meaning 100 percent of every penny donated goes toward the purchase of food packs.”

CONTACT INFO

To find out more about membership and joining contact their Member Care Center at 888.817.2002 or complete their online form.

NHL Discover Card Benefits and Features

April 1, 2020RewardsDiscover, Intro APR, No annual feeLeonard Kreicas

NHL Discover Card

NHL Discover Card 5% cash back categories changed beginning April 1

From April 1 to June 30 Discover cardholders now earn 5% cash back rewards

at gas stations
with Uber and Lyft
at wholesale clubs such as Costco

With recent surge of people staying at home wholesale clubs might offer great places to find popular items such as exercise equipment, indoor games, garden items, computers, appliances, and such.

Take note that after a $1,500 quarterly spend the rewards rate drop down to 1%.

Another incentive for new cardholders is that the Discover NHL card automatically doubles all the cash back on net purchases at the end of your first year only as a lump-sum bonus to the account. That 5% cash back becomes 10% savings.

New account holders also receive 0% financing on their purchases, on top of the rewards. However a minimum payment amount is due every month.

Unlike many other cash rewards credit cards, you can redeem the rewards for an account credit with no minimum amount necessary to reach before cashing them in.

Other features include:

No annual fee
The rewards never expire
Use your cash back instantly at Amazon.com checkout
$0 Fraud Liability Guarantee
Free overnight shipping for card replacement
No late fee for your first late payment
Paying late won’t raise your APR
Track recent FICO® Credit Scores for free
No foreign transaction fee

Apply here for your NHL credit card.

Wells Fargo Rewards Card with intro 5% rewards, no interest financing

March 26, 2020RewardsIntro APR, No annual fee, Sign-up offers, Wells FargoLeonard Kreicas

dollar bills

Wells Fargo Rewards Card has introductory 15 month no interest financing on purchases and/or balance transfers to provide users some temporary help managing their bills. Many other credit cards have similar features, however it has a slight twist on redeeming their reward points.

What separates this card from the pack

The Wells Fargo Rewards Card lets cardholders redeem their rewards as cash at a Wells Fargo ATM, subject to a $20 minimum withdrawal according to a press release.

“Wells Fargo is the first major U.S. financial services provider to introduce this functionality, continuing the company’s history of customer-centered innovation.”

Refer to the announcement for details, or call customer service for details on this easy way to cash in the rewards.

5% rewards on grocery, gas and drugstore purchases for first 6 months

The rewards pile up fast on essential purchases during the introductory period. What’s even better is spreading out the payments over 15 months at no interest . That’s two great features in one package.

Consolidate credit card balances with 0% introductory APR on transfers for 15 months.

A $6,000 balance at 20% would set you back over a $1,000 in interest payments over 12 months. The 3% transfer fee makes a dent of $180 upfront, but the net savings are still substantial. Ask a professional financial advisor about all the long-term pros and cons.

After the introductory period the rewards drop down to a flat 1% on eligible purchases

Not great, but convenient would describe the ongoing rewards system. The Go Far Rewards have some advantages for the savvy redeemer who puts the work in. Don’t voluntarily close out the Rewards Card because that might lower the credit score. It still many useful features when used wisely.

The Wells Fargo Visa Rewards Card includes at no cost:

$0 annual fee
All Wells Fargo Credit Cards automatically protect you from liability for unauthorized transactions when you report them promptly.
Limited free smartphone protection from damage or theft
For Visa customers. Get fast text and email alerts for monitoring spending, tracking purchases, and receiving notifications of irregular or suspicious activity.
A Wells Fargo credit card with chip technology offers enhanced security features.
Protect your Wells Fargo Visa card with a unique password for online shopping.
Dispute resolution on damaged goods or misrepresentations
Monthly statements to track expenses

Apply for a Wells Fargo Rewards Visa Card here.

Quotes on dealing with stress may help calm the spirit and strengthen the body.

“The grass is not ‘greener’ on the other side – it is just another shade of green.”
― Annika Sorensen, Take Stress from Chaos to Calm

CREDIT CARDS

Choose the right credit card for you