My Credit Cards Blog

The American Express Preferred Rewards Green Card is perfect card for those who pay off their balance in full each month. You want to avoid accumulating credit card debt and learn to use credit cards to your advantage.

One of the best advantages is getting free money for sign up bonuses. The American Express Preferred Rewards Green Card gives out 5000 bonus points after your first purchase. The 5000 bonus points can be converted to a $50 gift card from stores such as Home Depot, Gap, Blockbuster, Barnes & Noble, Banana Republic, and so on. Even though it’s a business card, you do qualify to apply as sole proprietorship.

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.

In addition, you can access to the Membership Rewards program for no additional fee. Cardholders earn one point per dollar spent on all purchases. The annual fee is waived for the first year. Make sure you cancel the card before the 1 year anniversary if you feel the card is not worthy of the fee. Other benefits include up to $100,000 in travel accident insurance, auto rental insurance, purchase protection services, various merchant discounts, and more.

American Express Preferred Rewards Green Card

• You can earn 5,000 Membership Rewards bonus points after your first purchase with the card –redeemable for a $50 gift card
• The Membership Rewards program
  also lets you transfer points to 11 frequent flyer programs: 1 point =
  1 frequent flyer mile or frequent guest credit for most programs
• Purchase Protection Plan protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase
• Many other travel and shopping benefits
• No Pre-set Spending Limit

Apply Now!

You can save 40% on one book online when using a Mastercard. Simply enter code X8X9X3K at checkout when shopping at Barnes & Noble.

From the website:

This coupon can be redeemed once online at BN.com per customer. This coupon is not valid at Barnes & Noble College Bookstores or Barnes & Noble retail stores. Full payment must be made with a valid MasterCard card. The 40% discount will be applied to the online price of the most expensive eligible book in the order — not the entire purchase. For Members, the discount will be in addition to Member discount.

This coupon expires at 2:59 a.m. Eastern Time on January 1, 2008.

The Christmas shopping season is right around the corner, and your spending is most likely to go way up. Here’s a way to make 5% cash back on EVERYTHING. You heard me right, yes 5% cash back on EVERYTHING for the first 3 months with the Citi CashReturns Card. There is NO CAPS or LIMITS. For example, you family might spend $10000 for the next three months on everything. Whether it’s going out to eat, shopping, airline tickets, etc…you get 5% Cash back of that $10000 which amount to $500 tax-free cash!

After signing up for the Citi CashReturns Card, I would call Citi to allocate my credit line to my new Citi CashReturns Card. I would spend everything on this card, whether it’s a getting a coffee at Starbucks or filling up my tank. The best part is getting cash back and not Thank You points. Checks will be sent automatically upon earning $50.

Some people manage to pay their property tax, income tax, tuition bills, etc for all the big purchases. 5% cash back is one hell of a deal. Once your 3 months is over, get your Wife/Husband to sign up for another 3 months. Also, there is 12 months 0% APR on balance transfer. The balance transfer fee is 3% with no cap, therefore it’s not worth doing balance transfer.

**If you are converting to this Citi CashReturns from another Citi card, you will not get the 5% Cash Back Promotion.**

Quick Summary:

• Earn 5% cash back on ALL purchases for 3 months
• Earn 1% cash back on ALL purchases and eligible cash advances after the first 3 months
• NO LIMIT and NO EXPIRATION on the amount of cash back you can earn
• Checks will be sent automatically every time you earn $50 - no calling necessary
• 0% APR* on balance transfers for 12 months
• No Annual Fee

Apply Now!

I go to Subway a lot. Then I ran into this Subway AmEx promotion, whereas you can get a free $20 Pre-paid movie card when you buy $75 Subway gift card. You can get 3 maximum, hence $60 pre-paid movie card for $225 Subway gift card. Of course this would only make sense for people who are going to subway all the time like myself.If you don’t go often, a better deal would be buy 3 - $25 subway gift card to get 3 - $10 prepaid movie card. You must pay with your American Express Card and the offer expires 1/31/08.

Another way to make a few hundred dollars a year is using credit cards with 0% APR on purchases. For example, instead of paying your monthly credit card bills each month, you pay the minimum with the 0% APR cards. Since it’s 0% APR on purchases, there is no interest money to be made from you. Obviously, you must pay all of your balances at the end of your 12 months promo. The money that you were gonna pay every month instead goes into a 5% savings account. It’s even better for the ones with cash back. Why? It’s like double dipping since you are making money on your 0% APR loan and getting cash back on your purchases

Here are the best 12 months 0% APR on purchases with Cash Back:

1. AmEx SimplyCash Business- 0% APR on purchases for 12 months and 5% Cash Back on Gas, Telecom bills, Office Supplies, and 1% everything else.
2. Discover® Open Road^SM Card- Intro 0% APR* on purchases for 6 months and balance transfer for 12 months. You get 5% cash back on gas and auto maintenance, and 1% cash back everything else.
3. AmEx Platinum FreedomPass- 0% APR on purchases for 12 months. You’ll get 5000 points sign up bonus = $50 gift card. Also, 1 point per dollar in spending.
4. Chase Business Rebate- 0% APR on purchases for 12 months. You will also get 3% cash back on restaurants, gas, office supply stores, building and home improvement stores.
5. Discover®Business Card- 0% Intro APR* on Purchases and Balance Transfers for 12 months. You’ll get 5% cash back on office supplies, 2% on gas, and 1% on everything else.

Platinum Business FreedomPass Credit Card from OPEN the small business team is a great card with a great rewards program. Right off the bat, the FreedomPass card gives you 5,000 bonus points with the first purchase. The 5000 bonus points can be converted to a $50 gift card from stores such as Home Depot, Gap, Blockbuster, Barnes & Noble, Banana Republic, and so on.

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.

The rewards program is 1 point per dollar spent on the card, with an additional $100 savings for every 7,500 points you accrue. The points never expire, and there are no blackout days or restrictions on use of the points. By the way, there is no annual fee. The online services can help you manage your accounts and track charges made with the card.

There is also a 0% introductory interest rate on purchases for 12 months. This is a great card to make purchase, then pay the minimum only. Since it’s 0% APR on purchases, there is no interest money to be made on you. Instead of paying off each month, you can deposit that money into a 5% savings account. Just make sure that you pay off the entire balance once the promo is over. Last but not least, cardholders benefits include insurance for travel, car rental insurance, and further discounts from other retailers.

Platinum Business FreedomPass Credit Card from OPEN the small business team

• 5,000 point welcome bonus with first purchase
• Earn 1 point for every dollar you spend
• Redeem for savings on any flight, hotel, car rental or cruise
• No blackout dates and no travel restrictions
• 0% Introductory APR on purchases for the first 12 months
• No annual fee and the option to pay over time or pay in full
• Fee-free Additional Cards
• OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more

Apply Now!

For those who made a foreign transaction with a Mastercard, Visa or Diners Club branded credit card, or debit card anytime between February 1, 1996 and November 8, 2006, you can get $25 for filing out this settlement form.

There are few other options to choose, but I think the $25 is the easiest. You just need to give your name, address, credit card number, issuing bank, and the last 4 digits of your Social Security number in order to claim your $25.

For more info, visit their FAQ page.

Chase Visa Platinum

• 0% APR introductoria por hasta 12 meses¹
• La duración de la APR introductoria y los saldos a los que se aplicará se
  basarán en nuestra evaluación de su solicitud y su historial crediticio
• Sin Cargo Anual
• Acceso GRATIS a su cuenta por Internet²
• Servicios GRATIS para sus viajes, como seguro contra choques de autos alquilados y seguro contra accidentes de viaje en todo el mundo

¡Solicítela Ahora!

Do you have the AmEx Costco credit card? Earn a $10 Costco Cash Card when you Pay Your Wireless Phone Plan
with your American Express Costco Card.

From the website:

Enroll now and you can earn a $10 Costco Cash Card when you use your American Express Costco Card to automatically pay your wireless phone plan. To be eligible for this offer you must also contact your wireless service provider and request to use your American Express Costco Card to automatically pay your monthly phone bill. Offer good from now until January 15th, 2008.

Blogging ain’t easy..especially when you got 4 blogs to run. Help your boi out and make money at the same time when you sign up to these offers:

1) Ebates $10 Bonus Holiday Promotion - Sign up for you, your wife, kids, etc..and shop through their shopping portal to save you money to many stores and get $10 bonus in free money.

2) Prosper $25 Bonus - Sign up for free and fund your first account with $50 to receive $25 bonus right away. That’s a 50% return on your money right away. Full review.

3) $25 ING Bonus - Write to me mycreditcardsblog at gmail.com with your full name and ask for a ING referral link. Simply deposit $250 and get your $25 bonus instantly.

4) $20 Virtual Bank Bonus - No fees whatsoever, all you need is deposit $100 to get $20 bonus, once you get it, you can withdraw, simply email me with your first and last name and say you want an Virtual Bank referral and I will send you one.

5) $25 Amboy Direct Premium Savings Bonus (4.80% APY)

This is one the highest savings online account, and it comes with a bonus. You must deposit 3K for 90 days to get the $25 referral bonus. Send me an email with your first and last name, with Amboy Referral on your subject line.

Thank You for Your Support

CC Dude

One of the best business cards out there is the American Express SimplyCash Business Card. It’s by far the most generous rewards for business owners with its cash back on their purchases and the resources for their businesses. If you have decent credit score, then you need to capitalize on its cash back reward program.

Here are the specifics on the cash back reward program:

• Minimum rebate of 1% on almost all purchases
• Maximum of 5% rebate on selected category of purchases

Don’t forget that, unlike most rewards program, you will earn cash back automatically on its monthly statement credits.

The 5% rebate on purchases include automobile gasoline, wireless telephone services, equipment in office and other supplies. What is best part of all of this? There is no limit to the earn cash back.

Basic Features

Check out these basic features of Simply Cash from American Express:

• Absolutely no annual fee
• 12 months 0% introductory rate on purchases
• Interest rate is low on balance transfers and purchases
• 7.99% introductory rate on balance transfer for the life of the loan

Top Features

The best features are in its OPEN(r) program of Simply Cash Business card. You can access the OPEN(r) network that provide special services for small businesses and their owners. It locates resources and discounts to help owners run their businesses. American Express gives you the option of providing each of your employees with Simply Cash Business Card to pay for qualified expenses. There is absolutely no fee for the additional cards.

Their Open Savings program save you money on travel and shipping expenses from well known companies such as Hyatt Hotels, FedEx, Hertz, and many more. These savings are stackable with any other savings you might already received. Other features include online management, whereas you can access summary of your accounts and track charges from the Expense Management Reports. In your account, you can chat and pose questions to other small business owners to help expanding your business. There is also advice from experts through the online tool to help you save and built a successful business.

American Express SimplyCash Business Card gives you more additional services and benefits such as travel purchase protection, special discount from retail outlets, and accidental insurance.In conclusion, AmEx Simply Cash is a must have card for those those with a small business.

Quick Summary:

• Earn 5% cash back on gas, office supplies and wireless services
• Earn 1% on cash back on virtually all other purchases
• No limits to the cash back you can earn
• Cash back is automatically credited to the statement each month
• 0% introductory APR for the first 12 months
• No fee with the flexibility to pay in full or carry a balance
• OPEN Savings® : Automatic discounts with FedEx, Delta®, Courtyard by
  Marriott®, and more

Apply Now!