To me, fulfilling the $1000 purchase requirement can easily be done in three months. You can purchase American Express gift card utilizing this method. This offer is a quick easy way to make $250 bonus. There is no fees for first year. If you no longer find the card useful, cancel before the 1st year anniversary to pay no fees at all.

Promotion Details:

* For a limited time – earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in 3 months, redeemable toward one domestic coach-class ticket. Offer expires 04/27/2010.
* Earn Membership Rewards points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
* Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year.
* No annual fee for your first year, a savings of $175

• 0 Comments

For those who still wish a 2% cash back credit card on Everything, you could still get The Fidelity Retirement Rewards American Express Card. The Charles Schwab 2% cash back is no longer available as of last week. I wouldn’t hold out much longer since Fidelity can take it down anytime. The only downside is American Express is not widely accepted, but hey 2% cash back is still 2% cash back.

Here are the fine print:

* Turn 2% of purchases into a contribution for your Fidelity IRA
* No limits on cash rewards
* No annual fee
* You’ll earn 2 points for each $1 you spend on purchases

• 1 Comment

American Express just sent out mass emails to all their cardholders about getting a credit score and report for absolutely free for 30 days. There are no strings attached since it’s set to automatic cancellation. Those with an AmEx card, login into your account first, and go through this special link.

Here’s the email:

Dear XXXXXXX,

Congratulations! You are now eligible to receive your annual complimentary Credit Score and Report, exclusively for American Express ® Cardmembers.

Log in now to see My Credit Score and Report

• 1 Comment

If you enjoy volunteering and have an American Express card, you can now get reward points with their membership rewards program. According to their website, you could earn 500 reward points for every hour of volunteer work. Earn up to 10,000 points for doing charity work per year as long as the project is listed in the VolunteerMatch.org database. You can enter your zip code or keyword to best match your volunteering hours.

Make sure you log in membership rewards to register your hours worked to earn your points. You could also donate your points to charity. Volunteering is a wonderful thing; earning extra points is just icing on the cake. It’s nice to hear a feel good story with American Express instead of credit card companies taking advantage of the consumers.

• 0 Comments

Are you a Dunkin’ Donuts regular? If so, you can now get $5 for every $25 deposit on your Dunkin Donuts Card when you set up Auto-Recharge with any American Express card. This is a 20% bonus every time your Dunkin’ Donuts Card auto-recharge for $25 or more. Make sure to sign up by March 31, 2010.

• 1 Comment

By invitation only, your American Express rewards plus cards can save you 20% at Cheesecake Factory and Capital Grille. The spending requirement must be at least $75 at Cheesecake Factory or $100 at Capital Grille for the 20% to kick in. Promo includes the following cards:

The American Express Card, the American Express Rewards Green Card, the American Express Preferred Rewards Green Card, the American Express Gold Card, the American Express Rewards Gold Card, the American Express Preferred Rewards Gold Card, the American Express Rewards Plus Gold Card, and the Premier Rewards Gold Card from American Express .

• 0 Comments

If you have an American Express card with a high credit limit, then you don’t want to ask for an increase in credit limit. If you do, there is a good chance of a Financial Review which will most likely be resulted in a slash of your credit limit(CLI). Those with a low credit limit, you can ask for a credit limit increase as long as the credit line amount that you requested is not greater than three times your current credit line. Lets say your credit limit is $1000, then you would want to ask for somewhere below $3000. If you are denied, then ask for a lower amount since there is no waiting period with American Express.

It has been reported that they only do soft pulls for credit limit increase. Also, if your CLI request is granted, you have to wait 30 days before you can request another CLI. Finally, if you requests for CLI are still being deny, then it’s better to get a new American Express card. Here are some better AmEx Cards:

• 0 Comments

Every credit cards’ issuers have some perks and freebies. Well, American Express Credit Cards will double your warranty for anything you buy using their Cards. Some of the basic features include automatic warranty extension up to one year.

From the website:

1. How does the Extended Warranty work?
When you charge the cost of a covered product with your American Express® Card, the Extended Warranty will extend the terms of the original manufacturer’s warranty for a period of time equal to the duration of the original manufacturer’s warranty, up to one additional year on warranties of five years or less that are eligible in the U.S.

Make sure to keep the following items to file your claim: the original purchase receipt, the product warranty card, your AmEx statement, and the broken product.

Want to file your claim? Call their Extended Warranty Hotline at 1-800-225-3750. Once you file your claim, check your status by checking at www.americanexpress.com/onlineclaim. Be prepared to wait two weeks for the claim to process after submitting support materials.

• 1 Comment

Expect a Hard:

1. Barclay’s Business (i.e. Bank Atlantic) – per call on, but soft when done to new account.
2. Chase – always a hard pull
3. Citi – hard pull is definite if they ask for income verification.
4. Discover – hard pull at or beyond 15k
5. FNBO – Always hard through form.

No Hard Pull:

1. Juniper / Barclay’s – call the CSR on the back of your card and ask for an increase.
2. Discover (personal) – credit limit increase $2K every six months by calling 1-800-DISCOVER. It’s a soft pull.
3. US Bank (personal) – increase credit limit by 20% every 3 months with usage .
4. Wells Fargo – Call CSR and ask for increase without hard pull. They might say “we have to hard pull” then just talk to another CSR later.
5. USAA – Choose soft pull for additional review.
6. Citi – You can do this within your online account. CLI is instant unless ask for income verification.
7. AMEX – Use online form for no-hard CLI. If your credit limit is more than $25K, don’t bother asking. Otherwise they might reduce your credit limit.
8. Bank of America – Use online form for no-hard CLI.
9. WalMart – Use online form for no-hard CLI. Every 6 months usually.
10. Principal – No credit check for pre-approved limit increase.

• 0 Comments

American Express and Costco is giving away $25 bonus after first purchase for the TrueEarnings Card. The TrueEarnings Card from Costco and American Express offers 3% on gasoline and restaurants, 2% for travel, and 1% everywhere else. Their is no cap on the cash back because it’s unlimited. This is a must have card for those shopping at Costco.

There is no annual fee for those with a Costco membership. There are many benefits to shop at Costco:

1. All year round low prices on most items and no need to wait for special sales like supermarkets.
2. Bulk packages of name brands which offer cheaper prices.
3. Great quality with photo printouts with cheap passport photo development.
4. Excellent Customer service with the best return policy.

• 1 Comment