All posts by Leonard Kreicas

State Farm Rewards Credit Card

state_farm_rewards_visa_card

Get 3% rewards on insurance premiums (up to $4,000) with the State Farm Rewards credit card.

Save money on your medical insurance premiums? Or home insurance premiums? The State Farm credit card may be the answer to additional discounts for you.

State Farm credit card goes beyond rewards on auto insurance policies to rewards on

  • Medical insurance premiums
  • Home insurance premiums
  • Life insurance premiums
  • Liability insurance premiums

NOTE: A State Farm credit card holder would only receive $80 extra rewards on $4,000 of insurance premiums compared to a 1% rewards card, because $80 = $120 – $40.

Earn 100 points per $100 spend on all other purchases made with your State Farm cash back rewards card (certain restrictions apply).

You can redeem points for gift cards at

  • select retailers
  • e-certificates
  • catalog merchandise
  • air travel
  • hotels
  • eligible State Farm products

Apply toward a qualifying State Farm product and earn redemption premiums after getting at least 25,000 points.

Points Redeemed / Premium

  • 0-24,999 points — No Premium
  • 25,000 – 49,999 — 25% Premium
  • 50,000 – 99,999 — 35% Premium
  • 100,000 – greater — 50% Premium

You can also use your points as a gift, or transfer your points between State Farm Loyalty Rewards accounts that you own, or to another State Farm Loyalty Rewards account holder.

Best of all, the State Farm VISA card charges new account holders no interest for 12 months from the date of account opening.

This feature is great to finance those larger purchases that may not be affordable with a single paycheck or could empty your emergency savings account.

Other features include

  • Access to our financial management tools
  • 24/7 good neighbor service
  • Online and mobile access anytime
  • Account Fraud Monitoring
  • Visa $250,000 Travel Accident Insurance
  • Visa Auto Rental Collision Damage Waiver
  • Visa Travel and Emergency Assistance Services
  • Visa Warranty Manager Service
  • Visa Zero Fraud Liability
  • Visa Shopping and Travel discounts
  • Paperless statement option
  • Text alerts for security and reminders
  • Automatic payments so you never miss a payment
  • Free Pocket Agent app to access your account

The fine print (subject to change):

  • Annual fee: $0
  • No interest if balance paid in full with 24 days
  • Fee Balance Transfer: 3%
  • Fee Cash Advance: 5%
  • Fee Foreign Transaction: 3%
  • Fee Late Payment: up to $40
  • Fee Returned payment: up to $40
  • APR: 15.74% to 25.74%
  • APR Cash Advances: 25.99%

For details and application visit the State Farm Loyalty Rewards Program web page.

Aeroplan American Express Gold Card

Receive 15,000 Aeroplan Miles when you are approved for a new Aeroplan Gold Card from American Express after charging $1,500 within first 3 months.

Available only to Canadian residents, members continue to get rewards for everyday spending at a rate of 1 Aeroplan Mile for every $1 charged to your card, so you earn Aeroplan Miles with every net retail purchase.

As a charge card, the balance must be paid in full each month. 30% annual interest rate applies to balances not paid in full.

Travel Peace of Mind

  • Fraud protection means zero liability for unauthorized use of card
  • 24/7 customer service
  • Emergency card replacement
  • Flight delay insurance
  • Baggage delay insurance
  • Lost or stolen baggage insurance
  • Trip cancellation and trip interruption insurance
  • Auto rental collision and loss damage insurance
  • $500,000 common carrier accident insurance
  • Hotel/motel burglary insurance
  • Automatic warranty extension up to extra year

Benefits

  • As a exclusive to American Express Cardholders Front Of The Line opens the door to great music, theater, dining, film, fashion and shopping experiences.
  • Special offers & experiences for all Cardmembers
  • Special Access for all Cardmembers

An annual fee of $120 will be charged to the card once a year.

Macy’s Thanks For Sharing 2020

Macy’s will not have a Thanks For Sharing (TFS) program for the 2020 holiday season.

Macy's Exclusive Thanks For Sharing

The information below is for your reference on how the 2019 program operated.

The 2019 Macy’s Thanks For Sharing (TFS) program has ended as of Dec 31, 2019.

A one-time $25 membership fee will be charged to your Macy’s credit card, which enters you into a special rewards programs and gives select non-profits money to help fund their charitable work.

For terms and conditions on the Macy’s site click here.

Thanks for Sharing Members receive a Macy’s gift card worth 10% of eligible purchases, net of returns, made with their enrolled Macy’s credit card through December 31, 2019.

$10 of the one-time $25 enrollment fee, up to a maximum of $15,000,000, will be donated to non-profit organizations such as Make-A-Wish and the March of Dimes.

BENEFITS

10% rewards on almost all purchases made with an eligible Macy’s credit card from the enrollment date until Dec. 31, 2019, in the form of a Macy’s gift card.

On select bonus days enrolled Macy’s shoppers receive 15% rewards instead of the standard 10%. When the dates become available mark them on your calendar to boost your gift card’s value.

There is no limit on how much the gift card is worth: some people have earned Thanks For Sharing gift cards worth $400 or more.

The TFS gift card has no expiration date.

The $25 enrollment fee is a one-time charge that must be made with a Macy’s credit card.

You can give the card to loved one as gift card for their own shopping spree.

It can be used for purchases at any Macy’s store or online at macys.com.

This card is NOT a coupon, so use it just like cash to buy any item of your choice at a Macy’s store or online.

FEATURES

The proceeds from enrollment fees will be donated to the following nonprofit organizations.

Your gift card will be mailed in February or March 2020 to the address on file for the account. If you move notify Macy’s of your new mailing address to make sure you get the TFS card.

The Thanks For Sharing Program has some exclusions for items charged on the Macy’s credit card, although it does give a 10% rebate on EveryDay Value items which normally do not accept any Macy’s coupons.

The exclusions are mostly large-ticket items, services and some licensed departments:

  • backstage items
  • furniture
  • floor coverings
  • mattresses
  • box springs
  • fur salon
  • bridal salon
  • gift cards/certificates
  • electronics and associated accessories
  • special orders
  • watch/jewelry repair
  • sunglasses
  • maternity wear
  • athletic shoes for him, her and kids
  • Apple products
  • Tag Heuer
  • custom decorating
  • carpet cleaning
  • service and delivery fees
  • gift wrap
  • trunk show merchandise
  • purchases from licensed departments
  • bill inserts
  • restaurants

You cannot redeem the Thanks For Sharing gift card for cash or use it as a payment or credit on your Macy’s credit card account.

The value of the rewards card applies to net purchases from enrollment until Dec. 31, 2019. Any prior eligible purchases returned on or before 1/6/2020 will have their share of the TFS purchase subtracted from the reward’s card final value.

For example, if you bought a pair of jeans for $100 and then exchange them for a pair of jeans costing $200, your Thanks For Sharing gift card will be worth $10 ($20 – $10), not $20 (10% of your original $200 purchase).

Tampa Bay Buccaneers Credit Card

Tampa Bay Buccaneers Credit Card

With a new Tampa Bay Buccaneers credit card you earn 10,000 First Use Bonus Points redeemable for a $100 statement credit.*

Or new cardholders can pay off their current high-interest credit card balances over 15 months with the introductory 0% APR balance transfer offer .**

In addition you receive reward points with the Tampa Bay Buccaneers Visa card on everyday purchases.

Each dollar earns 1 point, that are redeemable for statements credits starting at 2,500 points ($25).

Whether you use the NFL Extra Points card often or not is your choice since it has no annual fee unlike some other rewards cards.

Bonuses available ONLY with the Barclay NFL card:

  • Buccaneers and NFL purchases receive double the points as rewards, i.e. $100 purchase gives you 200 points.
  • Use it online at NFLShop.com and get a generous 20% off the price.
  • Cardholders enjoy 0% financing on game or season ticket purchases for six months.

When approved the Visa Signature program gives these features at no cost to you.

  • Free FICO credit score
  • Zero liability on unauthorized transactions
  • Control your card, control your spend lock feature
  • Chip-enabled cards for peace of mind at store checkouts
  • SecurPass code available for online access
  • 24/7 VISA Global Service
  • Warranty manager service
  • Identity Theft Alerts
  • Year-end summary statements to organize your tax deductions

As part of the BarclayCardUS network, iPhone cardholders can leave their card home and shop using their iPhone with ApplePay.

Follow your Tampa Bay Buccaneers with these resources.


* New cardholders get the bonus in the form of 10,000 First Use Bonus Points after $500 in purchases on the card. The First Use Bonus Points will be posted at the close of the first billing statement after the qualifying purchase.

** Transfers must be made within 45 days of account opening and a balance transfer fee applies.