Category Archives: No Annual Fee

San Diego Padres Mastercard

San Diego Padres Mastercard

San Diego Padres Extra Bases Mastercard offers new cardholders 0% financing on purchases for the first 12 billing cycles.

As an extra incentive, after a qualifying first purchase of $500 or more, you receive an additional 15,000 First Use Bonus Points, redeemable for a $150 statement credit.

The rewards continue because the World Mastercard from Bank of America gives you a point for every dollar spent with the card anywhere Mastercard is accepted.

The San Diego Padres World Mastercard from Bank of America also features:

  • No annual fee
  • Official Padres logo
  • Zero liability on purchases
  • Free replacement of items that are stolen, damaged or lost, within 90 days of purchase
  • Free accident insurance on common carrier travel
  • Free automatic auto rental insurance

Show your support for the San Diego Padres this season and be rewarded in return for your loyalty by applying here and selecting the Padres as your team.

Auburn University Credit Card

University of Auburn Visa Credit Card
Spirit of Auburn Visa credit card

Open a new Auburn University credit card and get an introductory cash bonus and 0% APR for 12 months.

To qualify for the $150 cash bonus you must charge at least $500 on your new card within the first 90 days of account opening.

Available at no cost to alumni and friends of Auburn University, two choices featuring the iconic Auburn University logo are available:

  • Cash Rewards World Mastercard credit card
  • Cash Rewards Visa Signature credit card

Besides the perks Auburn University alumni and friends cardholders receive, these cards contribute to Auburn’s scholarship fund at no additional cost. To date, this program has generated more than $4.5 million for freshman academic scholarships.

This is the only credit card that directly benefits the university.

Members benefits include

  • No annual fee
  • 3% cash back for the category of your choice
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all other eligible purchases
  • Itemized list of all purchases for easy record-keeping and returns
  • Extended warranty on defective items
  • Zero liability fraud protection

Whether you are an alumni or friend of Auburn University apply here for a new Spirit of Auburn credit card and spread your holiday shopping expenses over an entire year at no interest.

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.

Discover It Cash Credit Card

5% rebate on restaurants has arrived

Discover it credit card users save 5% (up to $1,500) at restaurants (activation required) from July 1 through September 30, 2018.

discover-it-credit-cardRestaurants  include fast-food (McDonalds), cafeterias, cafes, full-service places.

All other purchases earn 1% cash rewards made with your Discover it card.

The Discover It NHL credit card also offers 5% rebate on restaurants for this quarter.


New Account Incentives

  1. Get 0% financing on all your purchases for 14 months from the date of account opening to help spread out the bill for a large purchase, plus 1% rebate on its cost.
  2. For new account holders Discover matches cash back rebates at the end of your first year, that’s up to 10% cash back (limits apply).

Note: if the account is closed before 12 billing cycles, there will be no match.


You can redeem your rewards several ways

  1. Statement credit no minimum amount to qualify
  2. Direct deposit to your bank account
  3. Use on purchases at Amazon.com,
  4. Buy featured gift cards with $5 added to certain ones, i.e. $20 gives you a $25 gift card at Burlington, while a Dell $50 gift card can obtained with only $45 cash rewards
  5. Donate to participating charities

All these perks are given to the cardholder with NO annual fee!

Other Discover it Credit Card benefits include

  • Get cash over your purchases, up to $120 per purchase every 24 hours, without ATM fees, at select retail locations, such as Food Lion, Harris Teeter, Walmart
  • Free price protection up to $500 per item and $2,500 per year on eligible, identical items purchased within 90 days (see note below)
  • Should you lose your card, you can freeze your account in seconds with an on/off switch with the Discover App on your smartphone or the discovercard website
  • 24/7 $0 fraud liability guarantee on unknown purchases
  • Free monthly FICO scores from Experian to monitor your credit rating
  • Text alerts on account activity
  • Free Social Security number and new account alerts in case of unauthorized access
  • Automatic payments available so you never miss a payment
  • Paperless statement option
  • Year-end expense report and summary

Note: Price protection is like price matching between sellers and is also useful for grocery, clothes, and other items that frequently change price or are available at other places for less money. Note services, clearance, out-of-business, and such are excluded.


The fine print (subject to change):

  • Annual fee: $0
  • No interest if balance paid in full with 25 days
  • Fee for balance transfer: 3% ($5 min)
  • Fee for cash advance: 5% ($10 min)
  • Fee for foreign transaction: 0%
  • Fee for late payment: $0 first time; $35 after that
  • Fee for returned payment: up to $37
  • Fee for going over your credit limit: $0
  • APR: purchases 13.74% to 24.74%
  • APR: cash advances 26.74%

Bonus Discover Deals gives cardholders 5% or cashback rewards all-year around when used for online purchases with selected merchants.

  • Apple (5% off)
  • Walmart (5% off)
  • Kohl’s (5% off)
  • Macy’s (5% off)
  • Papa John’s (25% off)
  • 1-800 Flowers (15% off)
  • Avis (25% off weekly rental)