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 January 2021

December 28, 2020NewsSign-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, includes delivery and takeout
Bonus points at grocery stores until April 30, 2021
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.
2 points per dollar spent on travel and dining
1.5 points on 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 your points (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 3 months.
0% intro APR on purchases and balance transfers for 12 months.
Everyday Cash Back: 6% at U.S supermarkets (superstores like Walmart or Target don’t qualify) on up to $6,000 per year in purchases
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

$300 cash back after you spend $2,000 in purchases on your new card within the first 3 months.
2X rewards at gas stations
1X reward for other eligible purchases on card
$39 annual fee
Credit union membership required

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

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 on purchases for first 15 months after account opening
Earn 5% cash back on grocery store purchases up $12,000 (excludes Target® and Walmart®)
Earn 5% cash back for travel purchased through Chase Ultimate Rewards®
Get 3% cash back at restaurants (includes takeout and delivery)
Get 3% cash back on drug store purchases
1.5% cash back on all other eligible purchases
No minimum amount when redeeming for cash back
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 on popular streaming service subscriptions
3% cash back on airlines, hotels, homestays, car rentals
1% cash back on all other eligible 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 up to $400 a year)
2% cash back on one every day category of choice such as groceries, gas stations, dining
1% on all other eligible charges
No minimum to redeem rewards
No annual fee

Disney® Premier Visa® Card From Chase

Get $200 cash 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

MLB™ World Mastercard® from Bank of America

Get $200 online cash rewards after a spend of $1,000 with new card
Introductory 0% APR on purchases or balance transfers for first 12 billing cycles
3% cash back on category of your choice
2% cash back at grocery stores and wholesale clubs
1% rewards on all other eligible purchased items
Get the logo of your favorite Major League Baseball team on the card
No annual fee

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 on purchases and balance transfers for 6 months
1.5% cash back and rewards on eligible everyday purchases
No balance transfer or foreign transaction fees
No annual fee
Credit union membership required

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% cash back on category of choice, such as gas, online shopping, drug stores, home improvement & furnishings, dining or travel
2% cash back at eligible grocery stores and wholesale clubs
1% rewards on all other eligible purchased items
No annual fee

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.

PenFed Credit Union Credit Cards

December 21, 2020Credit UnionIntro APR, No annual fee, Rewards, Sign-up offersLeonard Kreicas

PenFed Credit Union office building — Photo credit: PenFed Credit Union

PenFed Credit Union offers members four great credit card choices to fit their budgets.

PenFed Pathfinder® Rewards Visa Signature® Card features

50,000 bonus points credit after charging $3,000 on your new card within 90 days of account opening
4 times the points on all travel categories for members of the PenFed Honors Advantage program
Earn 3 points on all travel category purchases
All other eligible purchases earn 1.5 points per dollar spent
$95 annual fee

Power Cash Rewards Visa Signature® Card features

Generous 2% cash back on all eligible purchases for PenFed Honors Advantage Members
1.5% cash back on all eligible purchases for non-members
$100 bonus statement credit when you spend $1,500 with new card within first 90 days
No Annual Fee

Platinum Rewards Visa Signature® Card features

5 times the points on gas purchases paid at the pump
3 times the points on supermarket purchases
1 point per dollar charged on all other eligible purchases
$100 bonus statement credit when you spend $1,500 with new card within first 90 days
No Annual Fee

Gold Visa® Card features

0% introductory APR on balance transfers for the first 12 months
APR as low as 7.49% for qualified applicants
$100 bonus statement credit when you spend $1,500 with new card within first 90 days
No Annual Fee

Credit card users had numerous benefits cash purchases did not provide, such as:

Careful tracking of dates and prices paid
Zero liability on fraudulent charges
Identity theft protection
EMV Chip Technology
Contactless tap to pay on enabled terminals
Online banking from the convenience of your residence
Click to pay online (where available) with Visa’s smart and secure online checkout
Mobile banking from wherever you’re located
No need to worry about carrying or losing cash
Instant alerts on suspicious transactions
Paperless statements which cannot be lost
Secure Apple Pay feature

Credit Union membership is required.

A little-known additional feature is available to active duty members of the United States Military. They may be eligible for SCRA benefits, such as a 6% APR cap on credit cards. Note though, SCRA does NOT relieve cardholders from making credit card payments on time!

For more information on qualifying and features of SCRA visit saveandinvest.org

Chase Freedom Flex Credit Card

December 21, 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 rotating 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 rotating categories

Jan.1 to March 31
Wholesale clubs such as BJ’s and Sam’s Club (Costco does NOT accept Mastercard in-store), internet, cable and phone services, select streaming services ($1,500 maximum per quarter – then 1% rewards)
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

5% on travel purchased through Chase Ultimate Rewards
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

ABOC Credit Card – Union Strong and Platinum Rewards MasterCard Review

October 26, 2020RewardsIntro APR, No annual fee, Rewards, Sign-up offersLeonard Kreicas

Union Strong Credit Card

“For almost a century, the Bank has designed deposit and credit services exclusively for union workers in the automobile, building trades, clothing and textile, communications and graphic arts, hotel and restaurant, mechanics, public service and general service, steel and iron, transportation industries, and more.”

Now available to a wider audience Amalgamated Bank of Chicago (ABOC) credit card program offers competitive rates and benefits to people who would prefer not to deal with big banks. Its two similar credit cards differ in their non-introductory Annual Percentage Rates (APR) and introductory Balance Transfer (BT) terms.

ABOC Union Strong Credit Card

The Union Strong Mastercard® currently charges an APR of 9.25% after the introductory period ends. The APR may change depending on market conditions.

The Union Strong credit card also offers an 0% APR on balance transfers for first 18 billing cycles. Balance transfers don’t receive any reward points and a 3% fee is added upon transfer.

ABOC Platinum Rewards Card

aboc credit card platinum rewards

The Platinum Rewards credit card currently charges an APR of 12.90% to 22.90% depending on credit history. The APR also will fluctuate in step with on market conditions.

There is no special deal on balance transfers for new accounts.

Introductory Offers for ABOC Credit Cards

Get a generous sign-up bonus of $150 as a statement credit after opening a new account, but only when $1,200 is charged on the new card within 90 days of approval.

Pay no interest on purchases for the first 12 billing cycles. Monthly minimum payments are required to keep the account in good standing.

Comparing bonus 5x reward categories

ABOC, Chase Freedom Flex and Discover It® each offer 5x rewards for select categories on a rotating basis. From January 1 to March 31, 2021 eligible purchases for bonus points include:

ABOC Platinum Rewards Mastercard®

Groceries
Fitness clubs
Hospitals
Pharmacies

Discover It Cash Back

Groceries (includes Walmart grocery pickup & delivery)
Walgreens
CVS

Chase Freedom Flex

Wholesale Clubs (Mastercard not accepted for Costco in-store purchases)
Internet, cable and phone services
Select streaming services

Rewards and savings for ABOC credit cards

1% Cash Back on eligible purchases
No Annual Fee
Zero-interest for 25 days before payments are due for purchases paid in full after the promotional period.
Rewards include choice of statement credits, travel, gift cards, merchandise
Points never expire as long as card remains in good standing
No foreign transaction fees

Purchase and travel benefits include

No fee for additional cards for authorized users
Mastercard® zero liability on unauthorized transactions
Extended Warranty doubles your original warranty up to 1 additional year (conditions apply)
Price protection refunds the difference if you see an item advertised for less within 60 days of purchase.
Identity Theft Resolution Services provides one-on-one support in the event your identity is compromised.
MasterAssist^® provides pre-trip planning assistance, help with lost luggage and more.
Master RoadAssist^® Roadside Services provides help in the event your car breaks down while traveling in the U.S.
$1 Million Travel Accident Insurance.
Security chip offers enhanced protection when used at chip-enabled terminals.
Make mobile purchases with Android Pay^TM, Apple Pay^TM and Samsung Pay.

Pay down any high-interest credit card balances by making purchases on ABOC credit card during the 0% APR introductory purchase period.