Tag Archives: Sign-up offers

Rewards, such as cash, discounts, or free items, to open up a new credit card account.

Best Credit Card Sign-Up Offers

November 15, 2020RewardsSign-up offersLeonard Kreicas

When making a purchase or payment $500 or larger, consider opening a new credit card account with a cash back sign-up offer of $200 or more.

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

Since the sign-up offers usually require spending a certain minimum amount on the card, plan your larger purchases by getting a new credit card account.

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

Chase Sapphire Preferred® Card

$600 cash back (60,000 points) after you spend $4,000 on purchases on your new card within the first 3 months.
Bonus points on travel and dining
1% other eligible purchases
Cash back is received in the form of Ultimate Rewards points (100 points = $1) redeemable as a statement credit.
$95 annual fee (waived for first year)

Bank of America Premium Rewards Credit Card

$500 cash back (50,000 points) after you spend $3,000 on purchases on your new card within the first 3 months.
Bonus points on travel and dining
1.5% other eligible purchases
Preferred Rewards members earn 25% to 75% more points per purchase
Get cash back when you redeem the points you earned (100 points = $1).
$95 annual fee

BBVA Select Credit Card (limited availability)

$500 cash back (50,000 points) after you spend $4,000 on purchases on your new card within the first 3 months.
4x points on entertainment purchases
3x points on dining purchases
2x points on travel purchases
1 point on all other eligible purchases
Get cash back when you redeem the points you earned (100 points = $1).
$99 annual fee (waived the first year)

Blue Cash Preferred® Card from American Express

$300 cash back after you spend $3,000 in purchases on your new card within the first 6 months.
0% intro APR on purchases and balance transfers for 12 months.
Everyday Cash Back: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%)
6% Cash Back on select U.S. streaming subscriptions
3% at U.S gas stations and on transit (includes rideshares, parking, tolls, buses, trains, and more)
1% other eligible purchases
Cash back is received in the form of Reward Dollars redeemed as a statement credit.
$95 annual fee (waived for first year)

Capital One® Savor® Rewards Credit Card

$300 cash back after you spend $3,000 in purchases on your new card within the first 3 months.
4% cash back on dining and entertainment
2% cash back at grocery stores
1% other eligible purchases
$95 annual fee

Star Trek Credit Card from NASA FCU (members only)

$300 cash back after you spend $2,000 in purchases on your new card within the first 3 months.
1.5% cash back on all eligible purchases
$39 annual fee

U.S. Bank Altitude® Go Visa Signature® Card

Get $250 back (25,000 bonus points) with minimum spend $1,000 on purchases with new card within first 3 months
0% intro APR on purchases for first 12 months
4x points on dining, takeout, food delivery
2x points at grocery stores (including delivery)
2x points at gas stations
2x points on streaming service subscriptions
1 point on all other eligible charges
Rewards do not expire as long as your account is open
No annual fee

Blue Cash Everyday® Card from American Express

Earn a $200 Bonus after you spend $1,000 on purchases in your first 3 months from account opening
0% intro APR on purchases for first 15 months
3% at U.S supermarkets on up to $6,000 per year in purchases (then 1%)
2% at U.S gas stations and select department stores
1% cash back on all other purchases
Cash Back rewards do not expire as long as your account is open
No annual fee

BMO Harris Bank Cash Back Mastercard®

Earn a $200 Bonus after you spend $2,000 on purchases in your first 3 months from account opening
0% intro APR on balance transfers (made within first 90 days) for first 12 months (3% fee)
2% on eligible gas and grocery purchases (maximum $2,500 combined, then 1%)
1% cash back on all other purchases
No annual fee

Chase Freedom Unlimited®

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
0% Intro APR for first 15 months from account opening on purchases
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
1.5% cash back minimum on eligible purchases
Bonus cash back on travel purchased through Chase and at drug stores and restaurants
No minimum amount on redemptions for cash back
Cash Back rewards do not expire as long as your account is open
No annual fee

Wells Fargo Propel American Express Card

Earn 20,000 bonus rewards points (redeemable for $200 cash back) after you spend $1,000 on purchases in your first 3 months from account opening
0% Intro APR for 12 months from account opening on purchases and balance transfers. Balance transfer fee is 3% of the amount transferred, $5 minimum
3% cash back on dining purchases, such as delis, fast food, coffee shops, casual restaurants and fine dining
3% cash back at gas stations, rideshares, and transit
3% cash back at groceries
3% cash back on popular streaming service subscriptions
3% cash back on airlines, hotels, homestays, car rentals
1% cash back on all other purchases
Rewards do not expire as long as your account is open
No annual fee

U.S. Bank Cash+™ Visa Signature® Card

Get $200 back with minimum spend $500 on purchases with new card within first 3 months
0% intro APR on purchases for first 12 months
5% cash back on first $2,000 on combined purchases each quarter in two categories of choice (worth $100)
2% cash back on one every day category of choice
1% on all other eligible charges
No minimum to redeem rewards
No annual fee

Disney® Premier Visa® Card From Chase

Get $200 back with minimum spend $500 on purchases with new card within first 3 months
2% in Disney Reward Dollars on select purchases
1% in Disney Reward Dollars on all other eligible charges
$49 annual fee

American Express Cash Magnet® Card

Get $200 back after you spend $1,000 on purchases with new card within first 3 months
0% intro APR on purchases for first 15 months
1.5% cash back on all eligible purchases
Cash Back rewards do not expire as long as your account is open
No annual fee

AAA Member Rewards Visa® credit card from Bank of America

Get $200 cash back after you spend $1,000 on purchases with new card within first 3 months
3% cash back on eligible travel and AAA purchases
2% cash back on eligible gas, grocery store, wholesale club and drug store purchases
1% rewards on all other eligible purchased items
No annual or foreign transaction fees

Elements Financial CU Signature Rewards Visa® Card

Get $200 cash back after you spend $1,000 on 10 or more purchases with new card within first 3 months
Introductory 0% APR offer for 6 months and 10.99 APR thereafter
No balance transfer fees
No annual fee

Rotary International Cash Rewards Visa Signature® credit card from Bank of America

Get $200 cash back after you spend $1,000 on purchases with new card within first 3 months
Introductory 0% APR for 12 months for purchases and balance transfers (3% fee for transfers)
3% cash back on category of choice, such as gas, online shopping, drug stores, home improvement & furnishings, dining or travel
2% cash back on eligible grocery stores and wholesale clubs
1% rewards on all other eligible purchased items
No annual or foreign transaction fees

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 they provide and closing an account limits your buying power.

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.

Union Bank Platinum Visa Credit Card

October 16, 2020BankIntro APR, Low interest, Sign-up offers, Union BankLeonard Kreicas

Union Bank Platinum Vis Card

Pay no balance transfer fees for 60 days when opening a Union Bank Platinum Visa credit card. Plus pay no interest for 15 months on the amount transferred.

After the promotional period ends, if cardholders haven’t paid off the balance in full, they will be billed interest on remaining amounts at APRs anywhere from 8.49% to 19.99% depending on creditworthiness.

Generally carrying a credit card balance is a terrible long-term practice. However under some circumstances it makes sense, such snaring a great deal at half-price (50% off) and paying the purchase off over time. 50% – 8.49% saves the buyer 31.51% when spread over a year. Just be sure to pay off any balances as soon as possible.

BENEFITS AND FEATURES

Union Bank credit cards have a generous slate of features and benefits to make shopping easy and safe. One of them minimizes “buyer’s remorse.” Credit cards have a try before you buy feature built into the system. Other perks include:

Secure mobile access to account
Swipe smart for enhanced security
Custom account alerts for real-time monitoring
Zero fraud liability for unauthorized charges
Go green digital services so you never lose a bill or important documents
Monthly statements to keep track of expenses
Visa Concierge services such as dining reservations, gift arrangements, etc., although some fees may apply
Emergency card replacement available 24/7/365
Purchase security up to $500 for stolen or damaged items

UNION BANK CARDS WITH REWARDS

For those who expect credit cards to come with rewards, Union Bank has three varieties to suit your needs. The Bank Freely Rewards credit card works best with a flat rate for everyday bills such as utilities, clothes, food, entertainment. The Preferred Rewards credit card has bonus categories for dining, gas, and groceries. The Travel Rewards credit card program favors frequent travelers and people on the move.

UNION BANK BANK FREELY REWARDS

Union Bank Freely Rewards Visa creidt card

1.5% unlimited cash back rewards
$100 introductory rewards bonus after $1,000 in purchases within 3 months of opening
Introductory 0% APR financing on purchases and balance transfers for first 12 months
Regular APR of 13.99% to 23.99% once promotional period ends
3% Balance transfer fee

UNION BANK PREFERRED REWARDS VISA CREDIT CARD

10,000 introductory rewards bonus after $1,000 in purchases within 3 months of opening
5% Rewards on digital wallet purchases ($6,000 max) good for first year only
3% Rewards at restaurants ($6,000 max/year and 1% thereafter)
2% Rewards on gas and grocery ($6,000 max/year and 1% thereafter)
1% Rewards on all other eligible purchases
Introductory 0% APR financing on purchases and balance transfers for first 12 months
Regular APR of 13.99% to 23.99% once promotional period ends
3% Balance transfer fee

UNION BANK TRAVEL REWARDS VISA CREDIT CARD

20,000 Introductory rewards bonus after $1,500 in purchases within 3 months of opening
3% Rewards on travel ($6,000 max/year and 1% thereafter)
2% Rewards on restaurants ($6,000 max/year and 1% thereafter)
1% Rewards on all other eligible purchases
Introductory 0% APR financing on purchases and balance transfers for first 12 months
Regular APR of 13.99% to 23.99% once promotional period ends
3% Balance transfer fee
$0 Annual fee for first and $49/year after

ABOUT UNION BANK

While little known in the United States, Union Bank is the brand name for MUFG Bank which is the 5th largest bank by assets in the world by one account. As of 12/31/2019 Union Bank handles more financial assets than JP Morgan Chase, Citibank or Bank of America on a global level.

Amazon VISA Signature Card

October 12, 2020RewardsChase, Groceries, No annual fee, Sign-up offersLeonard Kreicas

Check out how much more Prime Members save using their Amazon Prime Rewards Visa Card.

New card holders get $50 Amazon Gift Card instantly upon approval

3% back at Amazon and Whole Foods Market

New card holders get $100 Amazon Gift Card instantly upon approval.

5% back at Amazon and Whole Foods Market

As an alternative for a limited time only Discover It also offers 5% Cash Back at Amazon.com

Prime members who use their Discover It Card at checkout on Amazon.com from Oct. 1 to Dec. 31 get the same 5% rebate as the Amazon Prime Rewards Visa Card.

Amazon credit card Visa Signature

Earn 3% back on groceries at Amazon.com and Whole Foods Market.

Plus receive a $60 Amazon Gift Card after approval.

Besides groceries many other products you buy on Amazon.com will get a 3% credit.

NOTE: Some items such as Market 365 products, Instacart orders, and others may only get 1% back! Read the fine print for which purchases qualify for bonus rewards.

Outside of Amazon shoppers get 2% back at many other retailers:

Groceries at drugstores and gas stations
Food picked up or served at restaurants, which even includes places like McDonalds or Chick-fil-A
Household items at drugstores and gas stations
Most purchases as restaurants, drugstores, gas stations

Receive minimum of 1% back on qualifying charges everywhere else

For all other purchases redeem your points for real cash with no minimum redemption amount!

Best of all there is no annual fee for this card.

DETAILS

Grace Period: 21 days
Foreign Transaction Fee: 0
Balance Transfer Fee: 5% (min $5)
Cash Advance Fee: 5% (min $10)
APR Intro: n/a
APR Balance Transfer Intro: n/a
Rewards: 1% to 3%
Automatic payment: yes
Fraud Protection: yes
Warranty Extension: yes