Tag Archives: Rewards

Affinity CU Cash Rewards Credit Card

October 23, 2020Credit UnionRewards, Sign-up offersLeonard Kreicas

Affinity FCU Cash Rewards Credit Card

Get 5% cash back on Amazon and other bookstores with the Affinity FCU Cash Rewards Visa Signature credit card.

The bonus rewards are good up to $3,500 in purchases per month. After that card holders still get rewarded, but at the standard 1% rate. The 5% rewards still give shoppers up to $175 cash back per month while shopping on Amazon. That’s a generous $2,100 savings per year.

INTRODUCTORY BONUS

Get $200 cash back after charging $3,000 on your new card within the first 90 days of account opening. The bonus is in addition to the rewards you receive with the purchases. There may be a delay of up to sixty days before the bonus is posted to your account.

MORE REWARDS

In addition to the savings on Amazon, Affinity FCU Cash Rewards Visa Signature card holders get 2% cash rewards when they use the card at

Restaurants, which includes fast food and takeout items
Gas stations
Supermarkets (grocery stores) for most items except gift cards
Popular streaming services such Netflix and Spotify
Ride sharing services like Uber or Lyft

For all other credit card purchases cardholders are still entitled to receive 1% cash back rewards.

BENEFITS AND FEATURES

No annual fee
No foreign transaction fee
Automatic bill pay
Zero fraud liability
Free online banking
Complimentary annual account summary

Fees and rates are available as a disclosures pdf file.

VISA SIGNATURE BENEFITS

Free cell phone protection
Warranty Manager Service
Emergency Cash and Card Replacement
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Travel Accident Insurance
Lost Luggage Reimbursement
Hotel & Motel Burglary Reimbursement
Lost/Stolen Card Reporting
Cardholder Inquiry Service

Visa provides a more detailed explanation in Your Guide To Card Benefits.

MEMBERSHIP

Only members of the Affinity Federal Credit Union can apply for an Affinity FCU Cash Rewards Visa Signature Card. Just fulfilling ONE of the following criteria allows you to join:

You live, work, worship or go to school in select New Jersey or Connecticut communities
New Jersey – parts of Edison, Franklin Township (Somerset County), New Brunswick, North Brunswick, Piscataway
Connecticut – all of Norwalk, Darien, New Canaan, Weston, Westport, Wilton
You’re employed by (or affiliated with) one of our partner organizations.
Another member of your family or household is an existing Affinity member.
You make a $5 donation to support financial literacy and become a member of the New Jersey Coalition for Financial Education (NJCFE) or Connecticut Jump$tart.

American Express Blue Cash Everyday Card

October 11, 2020BankAmerican Express, Intro APR, No annual fee, Rewards, Sign-up offersLeonard Kreicas

Blue Cash Everyday Card from American Express

For a limited time only the American Express Blue Cash Everyday Card offers new account holders a generous $200 statement credit after charging $1,000 worth of purchases with the card. This special promotion ends December 10, 2020.

In addition if cardholders decide to carry a balance, they pay no interest for 15 months. However a minimum monthly payment is due each billing cycle.

In addition be rewarded with cash back on purchases and other benefits and features that American Express offers its customers.

Rewards

3% cash back at U.S. supermarkets ($6,000 maximum per year)
2% cash back at U.S. gas stations on eligible purchases
2% cash back at select U.S. department stores, which includes online purchases
1% cash back on other eligible purchases

Interest Rates

Purchases – 0% for 25 days when statement balance is zero
Purchases – 13.99% to 23.99% depending on creditworthiness and prime rate
Cash Advances – 25.24%

Fees

Annual Fee: $0.00
Cash advance: 5% ($10 min)
Foreign transaction: 2.7%
Late payments – up to $40
Returned payment – up to $40

Redeem Membership Rewards

Cash back as statement credit ($25 minimum)
Merchandise such as electronics, fashion, home goods
Gift cards
Travel, including airfare, hotels, luggage
Entertainment
Donate to selected charities

Travel Benefits

Roadside Assistance Hotline
Car rental and damage insurance (excludes liability coverage)
Global Assist Hotline (doesn’t pay for third-party costs)
Travel accident insurance on common carriers

Security Features

Fraud Protection
Advanced secure chip technology
Text alerts

Amex Card Benefits

Exclusive savings with Amex Offers
Amex mobile app
ShopRunner program members receive free 2nd-day shipping from participating merchants.
Guaranteed savings off MSRP on new vehicles using the TrueCar service, with some dealers allowing cardholders to place the entire purchase on their Amex card, up to their credit limit
Entertainment Access for cardholder-only events and places
Monthly and annual summaries
Free authorized users cards

Venmo Credit Card

October 6, 2020GroupNo annual fee, Rewards, SynchronyLeonard Kreicas

Venmo credit card

Venmo now offers select users a Venmo Visa credit card issued by Synchrony Bank.

Those eligible for the new card will notice an option for “Venmo Credit Card” in the drop-down menu of most recent version of its app. Available by invitation only to some users of the Venmo app, the card will gradually be offered to the entire Venmo community, but not the general public.

Introductory Offers

The card doesn’t have any sign-up incentives, such as bonuses or introductory APR discounts. Nor are balance transfers from other cards available. However the card doesn’t have any annual fee or foreign transaction fee. See terms and conditions for details.

Rewards

Account holders collect 3-2-1 cashback rewards from among eight eligible purchase categories.

Bills & utilities
Dining & nightlife
Entertainment
Gas
Grocery
Health & Beauty
Transportation
Travel

The 3% rebate goes towards the highest spend category, 2% rewards on second-most spend category, and 1% cashback on all other items. The bonus rates are assigned automatically on a monthly basis, i.e. no need to manually pick the best one.

Per reward terms users can even get 1% rewards for sending money via Venmo.

“When using your Card Account to send money to other Venmo users through your Venmo account.”

Unlike many cards that emphasize travel rewards, this is a great card to earn 3% rewards on utility bills because of its broad scope.

“Telecommunications, internet service providers, ongoing delivery of television/radio/streaming content on a subscription or fee basis, subscription products or services (such as magazine/newspaper subscriptions), electric or gas power, water supply, and refuse disposal or other utility services.”

Some items do not earn rewards: “Cash advances, disputed transactions, unauthorized or fraudulent transactions, interest, fees, or any other transactions that Synchrony may determine in its sole discretion are not eligible to earn Cash Rewards.”

Conveniences

Venmo Credit Card keeps tabs on card activity in the app, along with Venmo spending – every purchase, payment, split, and reward.

The card comes with the cardholder’s own unique QR code on the front, which makes accessing Venmo a breeze. Once the code is scanned a Venmo profile pops allowing authorized users to pay or get paid.

Use the card online and wherever Visa is accepted. The purchase amount can even be split with others – just like regular Venmo payments. Easily apply funds from them as payments to your credit card bill or to your Venmo account.

The Venmo Credit Card is a chip-enabled card for greater security. You can use it as a contact-less card for a secure, touch free way to pay on enabled terminals.

More information and details

For further details on the new Venmo Credit Card, call Venmo Credit Card support at 855-878-6462 or you can explore their Help Center at your leisure.

Chase Freedom Flex Credit Card

October 1, 2020BankChase, Intro APR, No annual fee, Rewards, Sign-up offersLeonard Kreicas

Chase Freedom Flex Credit Card offers a $200 signup bonus plus 5% cash back for select categories.

Sign up bonus

Get receive a $200 bonus after charging only $500 or more on Freedom Flex Card within three months of opening the account.

Zero percent interest introductory offer

Pay no interest on purchases during the first 15 months, although a minimum monthly payment needs to be made.

Extra rewards with 5% on selected items

Jan.1 to March 31
Gas stations, select streaming services, internet, cable and phone services
April 1 to June 30
Grocery stores, gym memberships and fitness clubs, select streaming services
July 1 to Sept. 30
Amazon.com, Whole Foods Market
Oct. 1 to Dec. 31
Walmart, PayPal

Other bonus categories

3% on dining, which includes fast food, takeout and delivery
3% on drugstore purchases

Other great features

No annual fee
No minimum to redeem cash back rewards
Rewards never expire as long as account remains open

Free benefits and services

Zero liability protection
24/7 Fraud monitoring never sleeps
Free cell phone theft or damage insurance
Purchase protection for 120 days (up to $500 per claim)
Extended warranty program
Trip cancellation/interruption insurance
Free credit score and identity restoration service

CREDIT CARDS

Choose the right credit card for you

Tag Archives: Rewards

Venmo Credit Card

Introductory Offers

Rewards

Conveniences

More information and details