All posts by Leonard Kreicas

Disney Rewards Visa Card

New Disney Rewards Visa card members receive a generous $50 statement credit after their first purchase on the card.

Mickey Mouse credit cardThe rewards keep on coming as each eligible purchase gives you 1% in Disney reward dollars wherever Visa is accepted.

With no annual fee and 10% off on select merchandise purchases of $50 or more at DisneyStore.com and Disney Store retail locations, your Disney experience can be very affordable.

The Disney Rewards Visa card even offers an introductory APR of 0% for 6 months when you use your Disney Rewards Visa Card to book travel through Walt Disney Travel Company for select Walt Disney World and Disneyland Resorts vacations packages, all Disney Cruise Line packages and Adventures by Disney packages, and Aulani, A Disney Resort & Spa, Ko Olina, Hawai’i vacation packages.

Disney Rewards Visa card holders receive both 10% off purchases of select items at Disney retail locations or online and 1% rewards to boot, which adds up to a great deal for Disney fans.

In addition to the 10% Disney discount, when you use your Disney Visa card you get special deals at the following retailers:

  • Save 15% at macys.com plus receive FREE Shipping on your purchase of $99 or more
  • Save 15% on your purchase at Things Remembered
  • Get $25 restaurant gift certificates to some of your favorite restaurants for as low as $5 at Restaurant.com
  • Save 20% on your next bouquet from ProFlowers.com

In addition the Disney Rewards Visa card provides its members free fraud monitoring systems, zero liability on unauthorized use, extended warranty protection, and the buy now – pay later feature.

Apply here for your Disney Rewards Visa Card.

United Community Bank of Georgia Credit Cards

United Community Southeast

United Community Bank of Georgia (UCBG), with locations throughout Georgia, North Carolina, Tennessee, and South Carolina, offers new customers either $25 or $100 cash back bonuses when opening a credit card account.

Ranked “Highest Customer Satisfaction with Retail Banking in the Southeast Region, Five Years in a Row” by J.D. Power, United Community Bank gives local clients several choices of credit cards to suit their individual needs.

Visa® Platinum Card

  • Pay down your other credit card balances faster with a 0% APR introductory rate for 15 months
  • No annual membership fee
  • Visa benefits such as extended warranty coverage, auto rental collision damage waiver coverage and zero fraud liability.

Learn More

Visa® Real Rewards Card

  • Get 1.5 points for every $1 charged on eligible net purchases
  • No cap or limit on the number of points you can earn
  • 2,500 bonus rewards ($25) awarded after first purchase

Learn More

Cash Rewards American Express® Card

  • 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations
  • 2%  cash back on eligible supermarket net purchases
  • 1% cash back on all other eligible net purchases
  • $25 cash back cash back awarded after first purchase
  • Enjoy chip-enhanced acceptance and security
  • Zero fraud liability
  • Rental car insurance
  • Extended warranty coverage
  • Merchandise return protection
  • Access to popular events before the general public

Learn More

Premier Rewards American Express® Card

  • Earn 4 points for every $1 spent on eligible net restaurant purchases
  • Earn 3 points for every $1 spent on eligible net airline purchases
  • Earn 2 points for every $1 spent on eligible net gas purchases
  • Earn 1 point for every $1 spent on all other eligible purchases
  • Earn 10,000 one-time bonus rewards a spend of $1,000 in the first three months
  • No cap or limit on the number of points accumulated
  • Reimbursement for either Global Entry or TSA Pre-entry fees

Learn More

To find out how to get the best deal on your credit card balances UCBG has an entire page of financial calculators where you plug in your numbers and get the answers you’re looking for.

In 2018 United Community Bank was honored by Forbes as the “best bank in Georgia.”

“We are honored to have been named the best bank in the state of Georgia, according to the inaugural Forbes Best-in-State Banks list, in addition to being recognized as one of America’s best performing banks by Forbes magazine for the fifth consecutive year.”

Visit their home page for a full list of services they provide.

SunTrust Prime Rewards Mastercard

SunTrust Prime Rewards Mastercard

SunTrust Prime Rewards Credit Card balance transfer offer of 3 years at prime interest rate (currently 5.50%) with NO balance transfer fee is unmatched anywhere else.

Most banks offer introductory rates of 0% APR, but for a much shorter time frame and with transfer fees of 3% or more.

Importantly the funds must be transferred within the first 60 days of account opening.

As an alternative to a balance transfer SunTrust offers a whopping $100 statement credit when new account holders spend $500 on qualifying purchases within the first 3 months with their new card.

Be very careful not to mix credit card purchases with the transfers, because transfers may be treated as purchases and subject to the purchase interest rates.

The Prime Rewards cards earns 1% rewards on eligible purchases, with a redemption bonus for SunTrust accounts.

Introductory Offer
  • Prime interest rate on balance transfers for 3 years from account opening. Currently 5.50%, but check here for updates.
  • $100 in statement credit after $500 spend on qualifying purchases during the first 3 months after account opening
Rewards
  • Get one point for every eligible $1 spent on your credit card
  • Flexible rewards redemption options
    • Travel
    • Merchandise
    • Retail Gift Cards
    • Cash ($5 minimum)
      • Statement credit
      • Direct deposit to checking or saving accounts
      • SunTrust accounts receive 10%, 25%, or 50% bonus
Interest Rates as Annual Percentage Rate (APR)
  • Purchases paid in full within 25 days of statement date: 0%
  • Balances on statements after 25 days: 13.49% to 23.49%
  • Balance Transfers: 13.49% to 23.49%
  • Cash Advances: 27.24%
Fees
  • Annual Fee: none
  • Balance transfers: 3% ($10 min)
  • Cash Advances: 4% ($10 min)
  • Foreign transaction: none
  • Late penalty: $39
Free Benefits
  • Zero-liability on unauthorized use of the card
  • Card lock if it’s lost or stolen
  • EMV Chip Technology
  • Enroll in automatic payment feature to avoid late charges
  • Text or email alerts on purchases, balances, due dates, and more
  • Add authorized users for free, but they don’t pay for their charges
  • Free FICO score
Guide to SunTrust World Mastercard® Cardholder Benefits
  • Warranty extension where applicable
  • Auto collision waiver damage
  • Travel and emergency assistance (service fees may apply)
  • Travel accident insurance
  • Roadside assistance
  • 24/7 customer service

For application and important details visit the SunTrust Prime Rewards card web page.

For people not familiar with the Atlanta origins of SunTrust, in 1919 as Trust Company of Georgia, it provided underwriting services to The Coca-Cola Company and received $100,000 of the company’s first publicly traded stock for its services.

In 2012 SunTrust sold those shares for nearly $2 billion: its stake went up in value by 1,999,990% over those 93 years.

A little known fact was the secret formula for Coca-Cola was kept in a SunTrust vault until 2011, when it was transferred to the new World of Coca-Cola building in Atlanta, Georgia.
SunTrust Coca-Cola vault

Sony Credit Card with 5% Entertainment Rewards

Sony Rewards Credit Card Earn 5 Sony Reward Points on entertainment purchases such as digital streaming and subscription services, music and video downloads, and more with the Sony Card.

Meant for heavy-duty online entertainments users and die-hard Sony customers, the Sony Card doesn’t as well as other general purpose cashback cards.

The Sony Reward Points can only be redeemed for Sony products, so it’s great to add to your Sony collection, but not much else.

But if you love to get Sony gear such as headphones and other electronics at a discount then this card is built for you.

To redeem the Sony Rewards, per the disclosure form, the cardholder must join the Sony Rewards program.

“You must register for the Sony Rewards Program in order to redeem points earned through your Sony CardSM account. Membership in the Sony Rewards Program is free.”

TERMS AND BENEFITS

Introductory Offers

  • 5,000 bonus Sony Reward Points (as $50 statement credit) with your first purchase within 90 days of opening account
  • 0% APR on purchases and balance transfers for the first 6 months

Interest Rates as Annual Percentage Rate (APR)

  • Purchases paid in full within 25 days of statement date: 0%
  • Balances on statements after 25 days: 16.24%, 19.24%, 22.24% or 24.99%
  • Balance Transfers: 16.24%, 19.24%, 22.24% or 24.99%
  • Cash Advances: 25.24%

Fees

  • Annual Fee: none
  • Balance transfers: none after introductory 0% APR period (3% at 0% APR)
  • Cash Advances: 3% ($10 min)
  • Foreign transaction: none
  • Late penalty: $38

Sony Rewards

  • 5 points per $1 on Sony® purchases at authorized retailers, that is must submit a Bonus Points Form
  • 5 points per $1 qualified entertainment purchases for:
  • Cable/satellite and other pay TV/radio/subscription services
  • Music downloads
  • Concert and sporting tickets
  • Digital streaming and other subscription services
  • Movie theaters and on movie rentals
  • Theater tickets
  • 1 point per $1 automatically on all other purchases

Free Benefits for purchases made on Sony Card (Visa)

  • Zero-liability on unauthorized use of the card
  • Card lock if it’s lost or stolen
  • Pick your own monthly billing due date
  • Enroll in automatic payment feature to avoid late charges
  • Text or email alerts on purchases, balances, due dates, and more
  • Paribus to check for savings if online prices are lower elsewhere
  • Eno intelligent assistant
  • Add authorized users for free, but they don’t pay for their charges
  • Virtual account numbers for online purchases, which help keep card numbers safe from theft
  • Warranty extension where applicable
  • Auto collision waiver damage
  • Travel and emergency assistance (service fees may apply)
  • Travel accident insurance
  • Roadside assistance
  • 24/7 customer service

For details and application visit the online Sony Visa Credit Card page.