All posts by Leonard Kreicas

Dillards American Express Card

Jessica Simpson
Jessica Simpson at Dillard’s

Earn 2 rewards points per $1 in purchases when you shop at Dillard’s with your Dillard’s card (in-store, online or by phone )

Plus for every $1 spent at grocery stores or gas stations, you earn 2 Dillard’s Reward Points!

Earn 1 rewards point per $1 in purchases everywhere American Express is welcomed.

0% APR is available for 12 or 24 months on qualifying Club Plan purchases with equal payments.

Learn more about the American Express Connect amenities available to Dillard’s credit card holders here.

Elite Status Customers who purchase $2,000 a calendar year receive.

  • Free shipping for online orders
  • Free gift wrapping for in-store purchases
  • Monthly Elite-only bonus points offers
  • Invitations to private shopping events (subject to availability)
  • Dedicated customer service number
You can either visit your local store or shop from the convenience of your home (have a shopping party). Invite your friends or family for an online shopping experience  or at the store and save, save, save.
For details and a link to apply click here.
This credit card program is issued and administered by Wells Fargo Bank, N.A., pursuant to a license from American Express.

Coldwater Creek Credit Card

Coldwater Creek credit card account holders earn a whopping 5 points for every $1 spent on merchandise at coldwatercreek.com or through its catalog.

model displaying the Coldwater Creek style
Always in fashion – Always in style

Plus if  you open the Mastercard version, you’ll receive 20% off purchases on your first day of shopping.

After a brief hiatus Coldwater Creek is back in business to serve its loyal clientele.

“Beautiful clothes for busy lives, charming accents for welcoming homes, thoughtful gifts to warm hearts: we remain true to the core principles that started it all and helped us become a beloved brand with devoted customers coast to coast.

“We are committed to creating unexpected and extraordinary things to wear and enjoy.”

Relive the experience of shopping at Coldwater Creek and get rewarded with these exclusive perks just by having its credit card issued by Comenity Bank.

  • $10 Reward for every 1,000 points
  • $25 off $100 Purchase Birthday Coupon
  • Double Points events
  • Free Standard Shipping events

Customers who qualify for Mastercard receive these extra savings

  • $20 Bonus Rewards Certificate when you spend $500 on non-Coldwater Creek purchases within 90 days of opening for opening a new account
  • Earn 5 points for every $1 spent at Coldwater Creek Stores
  • Earn 3 points for every $1 spent on gas and groceries
  • Earn 1 point for every $1 spent  everywhere else Mastercard is accepted

Please visit a store, the web site or call 888-678-5576 for further details and redemption options.

Other benefits and features of your Mastercard include:

  • Extended warranty
  • Price protection
  • Purchase assurance
  • Satisfaction guarantee
  • Mastercard Global Service™
  • Concierge services
  • Mastercard ID Theft Protection™
  • Experiences and offers
  • Explore World Experiences & Offers
  • Mastercard® Priceless Cities
  • Fuel Rewards Network

As a member you enjoy these Rewards

  • Seasonal savings offers
  • In-store personal stylist
  • Easy check-out and return
  • Monthly newsletter

American Express Cash Magnet Card Review

american express cash magnet card
Great introductory offer and rewards

The Cash Magnet Card from American Express offers an introductory 0% APR on purchases and balance transfers for the first 15 billing cycles made within the first 60 days of account opening.

For a large purchase or bill a new cardholder can save hundreds or in some cases over a thousand dollars in financing charges over a 15 month period.

Here are two examples of the interest a new account holder wouldn’t have to pay during the introductory period.

  • A $2,500 charge saves from $461 (14.74% APR) to $804 (25.74% APR)
  • A $5,000 charge saves from $921 (14.74% APR) to $1,609 (25.74% APR)

To avoid paying interest charges any balance must be paid in full within 15 months of getting your new card.

Even if you don’t make such a large initial purchase, American Express rewards you with an extra $150 bonus on spends over $1,000 within the first 3 months on top of the normal 1.5% rewards for each purchase.

Should your total spend reach $6,500 or more in the first 12 months, then American Express rewards you with an additional $100 rebate.

With the holiday shopping season coming up the Cash Magnet can spread the cost of gift-giving over most of 2019, and reduce the bills by $1.50 per hundred plus the $150 to $250 if you’re really generous.

In addition most of the items you buy for yourself or others carry these protections when you keep all the proper documents (especially receipts).

Purchase Protection
Extended warranty
Return Protection
Dispute Resolution

These benefits come in handy if your items or gifts need to be exchanged, get damaged or stolen, or just to keep records of purchases for future reference.  

Best of all there is no annual fee and you’re protected from unauthorized charges with the zero liability policy.

SOME TERMS AND CONDITIONS

  • Grace Period: 25 days
  • Annual Fee: $0
  • Balance Transfer Fee: 3% (min $5)
  • Cash Advance Fee: 3% (min $5)
  • Foreign Transaction Fee: 2.7%
  • APR for first 15 billing cycles: 0%
  • APR on revolving balances: 14.74 to 25.74%
  • APR on balance transfers: 14.74 to 25.74%
  • APR Cash Advances: 26.99%
  • Fraud Protection: yes
  • Warranty Extension: yes
  • click here for application

Shop Your Way Credit Card

shop your way credit card
Shop Your Way credit card

Shop Your Way credit card offers members introductory extra points on purchases at gas stations, grocery stores, restaurants, Sears, KMart.

New account holders earn a $20 statement credit when they spend $30 in eligible purchases within the first 30 days of getting a new card.

The bonus point offer applies only on eligible purchases made within 12 months with a new card according to the following schedule:

Shop Your Way Credit Card Bonus Categories

The points are not redeemable as statement credits, but towards purchases for select products in its online catalog.

Additional card features include

  • No annual fee
  • Zero liability on unauthorized purchases
  • Monthly savings and valuable coupons exclusive to card members
  • Accepted everywhere Mastercard is accepted.

Other Mastercard benefits are

  • Purchase Assurance
  • Extended Warranty Coverage
  • Identity Theft Solutions

Details and application is available at Shop Your Way.