Capital One® Platinum Prestige

Rest easy with an outstanding, low rate—for customers with excellent credit

• 7.9% APR on purchases and balance transfers
• Your APR will not increase simply because you pay late only once or go over your credit limit
• No annual fee and no balance transfer fees

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• Consolidate balances and save money when you transfer higher-rate balances
• $100,000 Worldwide Automatic Travel Accident Insurance
• 24-hour Roadside Assistance with lock-out service, towing, and flat repair
• Emergency card replacement or cash advance if your card is lost or stolen
• Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Savings Zone^SM on Yahoo! shopping

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Capital One® Visa® Business Platinum with No Hassle Miles^SM

Earn miles and get a low introductory purchase rate, too.

• 0% APR on purchases until June 2009
• 1 mile per dollar spent on purchases
• Redeem miles for cash back, gift cards, flights and more
• No Annual Fee
• Free employee cards with individual spending limits you set

Apply Now!

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The Citi Diamond Preferred Rewards gives you 6000 Thank You points after first purchase. With the 6000 bonus points, you can redeem for a $50 gift card from the Thank You Network. The gift card can be Best Buy, Sears, and Target just to name a few. There is no fee to enroll in the Thank You Network and points are easily redeem

Here’s a quick summary of the benefits of Citi Diamond Preferred Rewards:

• No annual fee
• 5 Thank You points for every dollar purchase from Gas, Supermarkets, and Drugstores for 12 months.
• 0% APR on Balance Transfer for 12 months.

Few other benefits include identity theft protection, price protection program, and $0 liability on unauthorized purchases.

Usually, most cards have only either a sign on bonus or great cash back program, or 0 % apr promo. Citi Diamond Preferred Rewards has all three benefits. Although I wouldn’t do balance transfer with this card since the balance transfer fee is capped at $250. I wouldn’t not want to Balance Transfer for that high amount of fee.

If you are looking for a free $50 gift card, then Apply Now.

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Here’s a worthy bonus of a hit on your credit score. Citi is now offering $150 bonus after $250 in purchases with the CitiBusiness ThankYou Network with no annual fee.

I wrote previously that anybody can apply for a business credit card. Here’s a quick recap:

Whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. You can put your name as the business name and your social security number as the tax id. Your business is called sole proprietorship and it’s perfectly legal with the IRS.

If you are still having several credit cards that still not meeting your needs? Switch to CitiBusiness Card and find that the CitiBusiness card help you manage your expenses, pay all your bills, and earn rewards for all your purchases.

The best part right now is that there is a 15000 Thank You points bonus after $250 in purchases which convert to $150 gift card bonus in the Thank You Network.

If you click on CitiBusiness ThankYou Network, there is only a 10000 thank you points bonus showing. However, turn off pop-up blocker, and then exit the page, and you will see the page below.

So after $250 in purchases, you will get 15K bonus points to get $150 in gift certificate. The CitiBusiness card also earn 3 points for every dollar spent on eligible business purchases. For all your other purchase, earn 1 point per dollar spent and start redeeming your points for gift cards, merchandise, travel services and more. Another bonus with the CitiBusiness card is that you can receive discounts at participating retailers and online merchants.

Other cardholders benefits include $1 million in travel accident insurance for you and your immediate family, car rental insurance when you decline the car company’s collision coverage, and advanced fraud protection. Then you get travel benefits such as lost luggage coverage, emergency cash replacement, and Citibank’s zero liability policy for unauthorized purchases.

Don’t wait too long, apply now to the CitiBusiness ThankYou Network.

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My best card in my wallet would be the Citi Professional Thank You. Currently, they are running a $100 bonus promotion whereas you get 10,000 points after $250 in purchases. Once you get your 10,000 points, you can redeem it for $100 gift certificate at any of these stores. Some of these stores include Best Buy, Sears, Target, Gap, Home Depot, etc.

To me, Citi Professional Thank You is just an overall good card with their cash back program. Citi Professional gives you 3% cash back on restaurants, gas stations, auto rentals, and office supply merchants in term of Thank You points. Also, there is no annual fee and they itemized your spending report every quarter, telling you what kind of purchases you made. On top of the $100 bonus, I highly recommend the Citi Professional for the everyday usage.

Citi® Professional^SM Card with Thank You^SM Network gives you 10000 Thank You points bonus after $250 in purchases = $100 gift card

• No Fee Rewards Program
• Get 3 ThankYou Points for every dollar you spend at restaurants, gas stations, on auto rentals and certain office supply merchants.
• 1 ThankYou Point on every other dollar spent.
• Redeem your points for: air travel, statement credit, gift cards and certificates, merchandise or create your own reward.

Apply Now!

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For those with an American Express Credit Card (such as $100 AmEx Starwood Review or $100 AmEx-Gold Review), you can get 4 free movie tickets for making 3 purchases at Del Taco or a participating merchant.

An easy method would be just buy 3 tacos separately. This must be done before May 20th. You will send in this redemption form to get 4 free movie tickets.

Blue Cash® from American Express

• “Best Cash-Rebate Card” by Kiplinger’s Personal Finance*
• Up to 5% Cash Back with Unlimited Cash Rewards
• Earn unlimited cash back
• 0% Intro APR for 6 months on purchases
• Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
• No Annual Fee
• Express Approval. Get a decision in less than 60 seconds.

Apply Now!

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One of the best ways to make/save money is by applying for credit card bonuses. I just found out that the Citi PremierPass Card - Elite Level is offering 20000 bonus points after $600 in purchases made within 3 months of account opening.

• 20,000 bonus points after $600 in purchases made within 3 months of account opening
• 0% APR on balance transfers for up to 12 months.
• Earn 1 Flight Point for every mile you fly on any airline — or anyone else whose ticket you buy with the card.
• Earn 1 Select Spend Point plus 1 Purchase Point for every dollar you spend at gas stations, supermarkets, and drugstores, plus earn 1 Purchase Point for every other dollar you spend
• Purchase APR as low as 10.24%Apply Now!

If you don’t want the 20000 points for $200 in gift card, then you can exchange it for an airline round ticket in the U.S. When you travel in the continental United States and Hawaii you can get a companion ticket every single time you buy a round-trip Coach Class excursion-fare ticket with your card for $299 or more. Also, for every mile you fly, you will get equal bonus points to the number of miles of your flight.

There is, however, an annual fee of $75. Lets do the math: $200 bonus - $75 fee = $125 profit. You might be discouraged, thinking, *Damn…I really don’t want to pay any annual fee.* Here’s a neat little hustle to get away from the annual fee. Once you get your 20000 bonus points, go ahead and cash them out for an airline ticket or $200 in gift card. Now call the CSR and ask them to convert to the Regular Citi PremierPass Card. This is very simple. It’s just switching to a different card and there is no hard inquiry on your credit. Why? Because the Regular Citi Premier doesn’t have an annual fee. They will simply credit you the $75. Make sure you tell them that you will only keep the card if they reverse the fee and give you the Regular PremierPass. If it doesn’t work, threaten to cancel the card. They will most likely to offer you something to keep you as a customer. Call back to a different CSR if they don’t offer you something good. If they don’t give you anything, you can still cancel and be prorated to the amount of months left on your card. E.G. Cancel after 2 months, hence (2/12) x $75 fee = $63 back since you only have them for 2 months. YMMV

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Do you have any loan, whether it’s a car loan or a personal loan, that is greater than 3% APR interest rate? If so, then you need to apply for the Advanta Life-of-Balance Platinum Card. The card gives you 2.99% APR fixed for life when you balance transfer within 3 months of getting the card. On top of the low interest rate, there is absolutely no balance transfer fee. There is also no annual fee. Even though this is a business card, anyone can apply.

Whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. You can put your name as the business name and your social security number as the tax id. Your business is called sole proprietorship and it’s perfectly legal with the IRS.

Of course if you can pay your loan in less than 12 months, then you would rather check out these 0% APR for 12 months with no balance transfer fee cards. The Advanta card is for those who want to lower their high interest rate and pay it off for years to come. The 2.99% APR fixed rate is even less than inflation. By using this card to balance transfer, you will be saving hundreds and possibly thousands depending how big your loan and high your interest rate. Lastly, the balance on your business cards does not show on your personal credit report. This will have a positive impact on your credit report due to low debt/high credit limit ratio.

Advanta Life-of-Balance Platinum Card

• 2.99% Fixed APR for Life on balances transferred within 3 months
• Choice of 6% Cash Back or Travel Rewards
• No Annual Fee and No Limit on Earnings
• $0 Fraud Liability
• Personalized card — your company name on the top of the card

Apply Now!

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We all know the DVD format’s war is over. Sony blu-ray is the winner..yada yada yada. I’m thinking of buying a Playstation 3 since it’s both a game console and a blu-ray player. It’s a great gaming system, and you’ll get the most up to date blu-ray player via firmware updates with wireless internet connection.

Click on this Sony link, and you will see the $100 credit toward your next purchase on the right sidebar. If you apply for the Sony card through the link, you will get $100 credit toward anything on the Sony website. This is a good deal for those looking for a Playstation 3 console. Your 40GB will be only $299 after the $100 credit from your new Sony credit card.

Here’s the fine print:

Get a $100 card credit after your first qualifying purchase of $299 or more.

Don’t settle for an ordinary credit card. Enjoy more points, more savings, more prizes and more fun with Sony Card. Get instant approval and a $100 card credit after your first qualifying Sony Card purchase of $299 or more!

I’m told that you can buy the Playstation 3 anywhere, and the $100 credit will apply. Make sure to call them first to make sure.

If you already have a Sony card, they just sent out this recent promotion: www.sony.com/sonycard/flyfree
You register your Sony credit card, then spend $500 before March 31st, and receive 10,000 bonus points. You can save the 10000 points with this free one companion voucher ticket promotion.

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Looking for free hotel nights, gift cards, or airline ticket? How about 10000 bonus Starpoints after first purchase with the Starwood Preferred Guest Business Credit Card from American Express. The 10000 bonus points can be converted to $100 Amazon.com, Gap, or Banana Republic gift card. If you don’t like gift cards, then 10K points can be worth up to 3 hotel nights stay. You need 20000 points for a round-trip ticket, so you are half way there. Apply the Regular Starwood too for a free airline ticket.

Anybody can apply for a business credit card. Here’s a quick recap:

Whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. You can put your name as the business name and your social security number as the tax id. Your business is called sole proprietorship and it’s perfectly legal with the IRS.

However, some people save the points to earn a free flight ticket once you reach the 20K points mark. Here is a quick summary with their rewards program:

1. Convert a few miles so they won’t expire and top off to get to the reward ticket level
2. Get 1.25 miles per dollar spent which is 25% more than most other airlines cards.
3. Points can be converted to gift cards, hotel nights, and airline tickets.

Top Reasons Why Starwood Preferred Guest Business Credit Card from American Express is the best Airline Travel Card:

1) Starwood points can be easily converted to frequent flier miles

• The Starwood points convert on a 1:1 (1 Starwood point = 1 frequent flier mile) basis on major domestic airlines include Alaska, American, Delta, Hawaiian, Northwest and US Airways/America West.

2) Get that free flight ticket by topping it off or keep your miles from expiring

• Say you want to fly free and you have only 23K delta flier miles, and you need to 2K more to make a free flight. With Starwood points, you can transfer your already earned points to Delta frequent flier program and get your free ticket. Hence, you don’t need to earn the points by doing other spending methods.
• In order to keep your miles from expiring, simply convert a few hundred miles every now and then so your account would be active with other airlines. If not, you could lose your miles for being inactive.

3) Great hotel card reward card

Don’t like gift cards or airline ticket? How about hotel stay for as little as 2000 points per night. There is no blackout date and all taxes are covered. Choose from Hotels such as Sheraton, W hotels, Westin, and St. Regis.

4) Get 25% more miles extra

• Other airline credit cards such Delta, United , and American give out great bonuses but all give you 1 mile per dollar spent. The Starwood Biz does the same with 1 Starwood point for $1 spent. This changes whenever you convert 20000 points, you get an additional 5000 bonus points or 20000 Starwood points = 25000 miles on all airlines flier program. This resulted in an extra 25% more miles per dollar spent.

5) Free 10000 bonus points, another 15000 possible bonus points, and first year membership fee is waived

• If you sign up now, Starwood Preferred Guest Business Credit Card from American Express is giving away 10000 Starwood bonus points after first purchase. Your membership fee is waived for the 1st year, and $45 annual fee after that.
• Another current promotion is an additional 15000 bonus points for spending $15K in the first 6 months on top of the 1 dollar per point spent.

Quick Summary:

Starwood Preferred Guest Business Credit Card from American Express

• Earn 10,000 Starpoints with your first purchase - that’s good for up to 3 free nights!
• Earn 1 Starpoint for virtually every dollar you spend on the Card and 2 Starpoints at participating Starwood hotels and resorts
• Redeem at over 825 participating Starwood hotels and resorts in 95 countries including Sheraton®, Westin® and W Hotels®
• Transfer to over 30 frequent flyer programs, most on a one-to-one basis.
• Save 3-25% on business purchases at companies like FedEx, Delta, Hertz®, and more.
• No annual fee for the first year - a savings of $45
• Voted Best Affinity Credit Card by frequent travelers in 19th Annual Freddie Awards

Apply Now!

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