Category Archives: Rewards

BBVA Compass ClearPoints Visa Card

September 4, 2017Rewards0% intro APR, No annual feeLeonard Kreicas

BBVA Compass ClearPoints Visa Card offers
favorable interest rates and rewards

Get started now with an 0% intro APR offer for the first 13 months and $100 off the first $1500 in qualifying purchases

BBVA Compass ClearPoint Visa Card Pay NO annual fee for the BBVA Compass ClearPoints credit card and add additional authorized users at no cost.

CUSTOMIZE YOUR CARD: Earn up to 3 CompassPoints for every $1 spent on categories you chose when using the card.

Get up to 3X the points on gas, utilities, office supplies, etc.

These points can be redeemed for account credits, retail gift cards, exciting travel options and name-brand merchandise.

Select participating retailers offer higher account points than the 1%.

Free Enrollment feature means as a cardholder, you are automatically enrolled as a BBVA Compass ClearPoints customer at no additional charge.

Multiple Payment Options offers you the ability to pay your bill mail, automatic debit, online banking or at any local branch

Security alerts notify you of possible suspicious activity on your account, as well as convenience notices for payments, balances, special offers and more.

You never pay interest if you pay your balance in full every month.

If you prefer to talk to a person, account representatives are available to assist you by phone at 1-800-239-5175.

The complete VISA benefit package is available here.

Additional free services include:

Free extended warranty for up to one year
Call 1-800-551-8472 for no-hassle warranty registration
Generous free insurance coverage up to $10,000 per purchase, with a $50,000 maximum per cardholder
Free Common Carrier Insurance: A full Benefit Amount of $500,000 is payable for accidental loss of life, two hands or two feet, sight of both eyes, one hand or one foot and sight of one eye, speech and hearing in both ears or any combination thereof.
The Visa Auto Rental Collision Damage Waiver benefit (“Auto Rental CDW”) provides—at no additional charge—reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles, when certain terms and conditions are met.

FOR NBA BBVA CARDHOLDERS

In addition to the credit card, BBVA offers a ($25 minimum) FREE BBVA Compass NBA checking account (with your favorite team’s logo) where you can:

Get a $100 NBAStore.com electronic gift card when you make three qualifying bill payments from your NBA Checking account
Earn $15 from Amazon.com for receiving two direct deposits
Get $10 from iTunes for using your BBVA Compass Check Card to make qualifying purchases from your NBA Checking account
There is NO monthly service charge for this checking account

BBVA has an another special bonus offer for Everyday Heros:

Everyday Heros get 5,000 bonus CompassPoints when they open a new Clear Points or Visa Signature Credit Card within 60 days of opening a new Everyday Heroes checking account and make $500 in qualifying purchases within 30 days after opening the credit card. This relationship is limited to

Teachers
Law enforcement members
Fire fighters and first responders
Healthcare workers including nurses, pharmacists, medical technicians
Active, reserve, and retired U.S. Military personnel

Macy’s Thanks For Sharing 2017

August 30, 2017Rewards, StoreAmerican ExpressLeonard Kreicas

Macy's Exclusive Thanks For Sharing Enroll now in the Macy’s Thanks For Sharing Rewards Program.

Thanks For Sharing members receive a Macy’s gift card worth 10% of all eligible net purchases made with their enrolled Macy’s credit card account through December 31, 2017.

Members don’t need extra coupons: the bonus is automatically added to any other promotions such as discounts, coupons, Penti points, and even the 20% sign-up rebate ($100 max.) on opening a new Macy’s card.

There were three ways to enroll.

At your favorite Macy’s store
Online at macys.com/thanks
By phone at 1-888-933-6229

$10 of the one-time $25 enrollment fee, up to a total of $15,000,000, will be donated to non-profit organizations such as Make-A-Wish and the Go Red For Women.

BENEFITS

10% rewards on almost all purchases made with an eligible Macy’s credit card from the enrollment date until Dec. 31, 2017, in the form of a Macy’s gift card. boys and girls club Thanks For Sharing members CAN COMBINE their rewards with the Plenti rewards program to give them a total of 11% or more bonus on net purchases.

For Macy’s cardholders unfamiliar with Plenti, it automatically gives 1% or 2% or more rewards on all eligible purchases made with their Macy’s credit card or other select partners such as Exxon or Winn-Dixie.

15% Bonus Days

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 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 Macy’s.

FEATURES

The first $3.4 million of the donation goes to the American Heart Association’s Go Red For Women® movement. The balance, up to an additional $11.6 million, will be donated to the following organizations.

Make-A-Wish Foundation®
The Breast Cancer Research Foundation®
Children’s Cancer Research Foundation®
The RESPECT! Campaign, an initiative of Futures Without Violence®
Reading Is Fundamental®
Local Big Brothers Big Sisters and Boys & Girls Club in your select area
The Fashion Incubators

Your gift card will be mailed in February or March 2018 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:

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
Tag Heuer
custom decorating
carpet cleaning
service and delivery fees
gift wrap
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, 2017. Any prior eligible purchases returned on or before 1/8/2018 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).

If you want you can withdraw from the program and request a refund of the enrollment fee by calling 888-933-6229, before December 15, 2017, or in person at any Macy’s store before December 31, 2017. Upon cancellation you will not receive the gift card.

For detailed information about Macy’s Thanks For Sharing, refer to its Program Terms and Conditions.

Best Cash Back Sign-up Offers for Credit Cards

November 20, 2016RewardsNew account bonusLeonard Kreicas

When making a purchase or payment $500 or larger, consider opening a new credit card account with a cash back sign-up bonus of $100 or more.

You could earn hundreds of tax-free dollars a year by planning your credit card applications the smart and steady way.

Since the bonus offers usually require spending a certain minimum amount on the card, time your larger charges with getting a new credit card account.

Many of card’s bonus can only be redeemed for travel or store purchases, which is good only for certain people. The offers below give the cardholder account holder actual cash in the form of a tax-free rebate, i.e. statement credit.

TD Cash

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Offer expires January 14, 2017
0% Intro APR for 12 months from account opening on purchases and balance transfers. Balance transfer fee is 4% of the amount transferred, $5 minimum
2% cash back on dining purchases, such as delis, fast food, coffee shops, casual restaurants and fine dining
1% cash back on all other purchases
Rewards do not expire as long as your account is open
No annual fee
No foreign transaction fee

Blue Cash Everyday® Card from American Express

Earn a $100 Bonus after you spend $1,000 on purchases in your first 3 months from account opening
3% at U.S supermarkets on up to $6,000 per year in purchases (then 1%)
2% at U.S gas stations
1% cash back on all other purchases
0% intro APR on purchases and balance transfers for 12 months (3% fee applies, $5 minimum)
Cash Back rewards do not expire as long as your account is open
No annual fee

Chase Freedom®

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
1% cash back on all other purchases
0% Intro APR for 15 months from account opening on purchases and balance transfers. Balance transfer fee is 5% of the amount transferred, $5 minimum
Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs
Cash Back rewards do not expire as long as your account is open
No annual fee

Blue Cash Preferred® Card from American Express

Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months.
You will receive cash back in the form of statement credits.
Everyday Cash Back: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%)
3% at U.S gas stations
1% other purchases. Terms and limitations apply.
No rotating reward categories. No enrollment required.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.

BUSINESS CREDIT CARDS

Credit card signup bonus offers aren’t just for individuals. If you own a small business, have a side hustle, or are self-employed, you could qualify for any of these business card signup bonus offers.

Ink Cash® Business Credit Card

Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
0% introductory APR for 12 months on purchases and balance transfers
Employee cards at no additional cost
No Annual Fee

Capital One® Spark Miles for Business

Earn 2 miles per dollar on all purchases. Plus, the opportunity to earn a one-time bonus of 50,000 miles—equal to $500 in travel—once you spend $4,500 on purchases within the first 3 months.*
Receive 5,000 bonus miles by signing up for one or more employee cards
Enjoy exclusive, award-winning customer service
$0 intro annual fee for the first year; $59 after that
There’s no limit to the amount of miles you can earn and miles don’t expire
Redeem miles for travel, cash back, gift cards, merchandise, and more
Fly on any airline, anytime, with no blackout dates or seat restrictions

SimplyCash® Plus Business Credit Card from American Express

For a limited time, earn even more cash back: Earn up to $500 cash back as statement credits.
Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. Offer Expires 01/25/2017.
No Annual Fee. Plus, more buying power and more cash back.
5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
3% on the category of your choice from a list of eight and 1% cash back on other purchases.
5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.

Use Credit Card Bonuses Wisely

Apply these common sense rules before applying for too many credit cards at once.

Use the signup bonuses with a definite purpose.
Before you pick a program, explore each one in depth.

Apply for a maximum of two cards per year.
You may earn more rewards by signing up for more, but that could limit your ability to earn bonuses in the future.

Pay your balance in full every billing period.
Banks rely on the fact that they earn more in interest and fees than what they give back in bonuses or rewards.

Avoid cards with annual fees.
They cost more than the services than provide and closing an account limits your buying power.

State Farm Rewards Credit Card

August 21, 2016Rewards0% intro APRLeonard Kreicas

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

state_farm_rewards_visa_card Pay your auto, home, life, medical, liability, etc. insurance bills and get rewarded with 300 points for every 100 dollars you spend.

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, and eligible State Farm products, which includes checking and savings accounts that earn redemption premiums 25,000 points and above.

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 you no interest for 12 months from the date of your account opening, provided minimum payments are on purchases you make.

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
Worldwide Visa credit card acceptance and cash access via ATMs
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
Introductory 0% financing for one year
No interest if balance paid in full with 24 days
Fee Balance Transfer: 3% ($10 min)
Fee Cash Advance: 4% ($10 min)
Fee Foreign Transaction: 3%
Fee Late Payment: up to $37
Fee Returned payment: up to $37
APR: 13.49% to 20.49%
APR Cash Advances: 20.49%

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

BBVA Compass ClearPoints Visa Card offers favorable interest rates and rewards