The PenFed Platinum Cash Rewards Card is currently offering a 4.99% Promotional APR for 24 months on all balance transfers (together with waived balance transfer fees) until December 31, 2011. Moreover amazing offer, the credit card comes with a 5% cash back on gas purchases and 1% on all other purchases, making it among the best cash rewards gas cards on the market. There is no minimum or maximum amount of reward you may receive, and this rebate will be automatically credited to your account each billing cycle.

Key Features:

• Variable 13.99% APR -lower than most rewards cards. After that, the APR for the unpaid balance and any new balance transfers will be 13.99% APR and will vary with the market based on the Prime Rate
• Earn 5% cash back on gas purchases paid at the pump, making this card among the most generous gas credit cards around
• Earn 1% cash back on all other purchases you make with the card during each billing cycle
• No Annual Fee
• Cash Rewards credited each month with no special restrictions to earn your cash rewards

Pentagon Federal Credit Union serves over one million members within the military and is among the strongest and safest financial institutions with more than $15 Billion in assets and branch locations in the Washington, D.C. area, Hawaii, New York, Texas, and North Carolina, as well as overseas. Membership is open to any branch of the military, US government employees, or the family or household of existing members. Not a member of the military? No problem. You are eligible for membership through your volunteerism (e.g. The American Red Cross), or you can also join by making a one-time donation of $20 to the National Military Family Association (NMFA).

With no annual fee, exceptionally low promotional balance transfer APR, and one of the highest cashback rewards rate on the market, the PenFed Platinum Cash Rewards Card is definitely a card to have if you have excellent credit and are wanting a high rebate gas card.

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
• Reach 5,000 points after you make $2,500 in purchases and $50 can be automatically swept into your Fidelity IRA as a current year contribution or other Fidelity account
• Enjoy more flexibility with additional WorldPoints rewards options, including travel, merchandise, travel, and other rewards

As highlighted in bold above, the cash back does not has to be in an IRA account. You can have your cash back automatically deposit into a MySmartCash account which is like a checking account. Simply open your MySmartCash account and link it to your new Fidelity Retirement card.

Some other benefits include 24-hour customer service, zero fraud liability and identity theft recovery service, retail purchase protection for merchandise, Payment flexibility, and travel security benefits including car rental loss & damage insurance and travel accident insurance.

$25 Ohio 529 College Advantage Bonus

The $25 referral bonus Ohio 529 College Advantage plan is back. Anyone can join! So sign up today for the $25 bonus. Good until June/30/2010. Sign up now before it’s too late!

Do you have a college savings plan for your kid’s education? Even if you don’t have any kids, you could still open this Ohio CollegeAdvantage plan for $25 using my referral code 2440330

There is no fees and the process takes less than 5 minutes. Anyone can join from any State. I’ve personally refer my friends and family. Highly recommended!

Here’s what to do:

1. Sign up online here. No need to mail in anything, just give your information such as Name, Address, DOB, etc.
2. Choose a login/password and you will verify your email to continue your application.
3. Choose your funding option and along with $25 deposit. Enter your routing and checking account number.
4. Now make sure to enter the referral code in order to get your $25 bonus: 2440330
5. They will withdraw your initial deposit in less than 3 days, and your referral bonus will come in 7 days.
6. After you get your bonus, you can cash out by using this withdrawal form.

Those living around New York/New Jersey area, you can now get $50 bonus with their Commuter Cash back. As long as you are using a Chase debit or credit card, you are qualify for this promotion. Simply enroll your Chase card and make purchases between March 1st and through May 15th of 2010 on all MetroCard purchases such as:

1. Vending Machines and EasyPayXpress™ MetroCard automatic refills
2. LIRR, Metro-North and PATH train tickets
3. NJ TRANSIT tickets/passes
4. New York City Yellow Cab rides

You will get up to $50 from Chase with $10 for every $150 in qualifying purchases. Make sure to enroll your Chase card first and always choose “credit” for your purchases to qualify.

Chase Sapphire $100 Bonus

Currently, Chase Sapphire(SM) Card is giving away 10,000 Bonus Points after first purchase. The 10,000 bonus points can be cashed in for a $100 check. There is no annual fee with the Chase Sapphire Card. I personally have this card and got a $100 Check.

With the Chase Sapphire(SM) Card, you get 2X on all airfare booked through Ultimate Rewards. There is no earning caps, point expiration, or blackout dates. Also, earn 10x for every dollar when shopping at select merchant through Ultimate Rewards Mall and 1 point for every dollar on all other purchases. Chase gives you 24/7 Dedicated service advisor (No voice recording) with premier travel protection benefits.

Currently, I’m using my Charles Schwab Card for most purchases. However, I will also use my Chase Freedom(SM) credit card since they are now giving out 5% cash back on home improvement stores, home furnishing stores, lawn & garden stores, and drugstores. You will also get 5% cash back in rotating categories like gas, home improvement and department stores on upcoming promotions. This card has no annual fee and 12 months 0% APR on purchases for new cardholders. Therefore, those who plan to take advantage of the cash rewards program will benefit most from what Chase Freedom(SM) has to offer.

For those already with a Chase Freedom Card, sign up here to get 5% cash back on new categories:

You now automatically earn 5% Cash Back this spring through June 30th on qualifying purchases up to $800 in the following categories:
* Home Improvement stores
* Home Furnishing stores
* Lawn & Garden stores
* Drugstores

Just reach for your Chase FreedomSM credit card everywhere you shop! And be sure to enroll for your summer categories beginning June 15th, 2010.

Discover More $50 Bonus and 5% cash back on rotating categories:

The Discover More card gives you 5% cash back on various categories throughout the year. If you go through this special Discover More Card link, you are qualify to get a $50 bonus after $500 in purchases. This card rarely gives out cash sign up bonus so sign up to day through the special link.

• Earn more cash in more ways than anyone else(SM)*
• Unlimited cash rewards, automatically
• Up to 20% Cashback Bonus® when you shop online*
• Double rewards with more than 100 Cashback Bonus Partners*
• Customer Service in less than a minute, anytime you want
• 0% Intro APR for 12 months on Purchases and Balance Transfers
• Apply Now!

Currently, they are giving 5% back on Home Improvement Stores, Departments Stores, and Clothing Stores. Sign up here for those already with a Discover More Card.

With Bank of America’s Upromise Mastercard, you can get $25 bonus after first purchase. First, you need to join Upromise Rewards program which is completely free. They are currently running a $250,000 scholarship giveaway. Then sign up for the Bank of America’s Upromise Mastercard to gt maximum cash back and a $25 bonus. There is no annual fee, and you get 10% EXTRA on college savings on participating grocery and drugstore items, 2% EXTRA
college savings on eligible Exxon and Mobil gas purchases, and EARN 1% on college savings on every purchase. Join Today!

What is Upromise?

Upromise is a free service that helps you pay for college. Whether you’re saving for a child’s future college expenses or paying down a student loan, Upromise can really make a difference. In fact, it’s helping millions of people all across the country.

How does it work?

You can get money back for college just for doing the things you do every day – shopping online, buying groceries, filling the gas tank, eating out at a restaurant, booking travel, and much more. Relatives and friends can also join Upromise and direct their college earnings to your account.

Save with companies like these
600+ online retail and travel web sites
22,000+ grocery and drug stores and thousands of participating items
48,000+ retail, service and restaurant locations

Chase Sapphire $100 Bonus

Currently, Chase Sapphire(SM) Card is giving away 10,000 Bonus Points after first purchase. The 10,000 bonus points can be cashed in for a $100 check. There is no annual fee with the Chase Sapphire Card. I personally have this card and got a $100 Check.

With the Chase Sapphire Card, you get 2X on all airfare booked through Ultimate Rewards. There is no earning caps, point expiration, or blackout dates. Also, earn 10x for every dollar when shopping at select merchant through Ultimate Rewards Mall and 1 point for every dollar on all other purchases. Chase gives you 24/7 Dedicated service advisor (No voice recording) with premier travel protection benefits.

Those with a  TD Bank Visa Debit Card, you can now register and use your super card for the supermarket to get 10% cash back. Just use your TD Bank Visa Debit Card and get $10 back for every $100 spent on groceries – up to $50.
On top of the 10% bonus, you get to play the Daily Debit Dash for a chance to win $500.

Sign Up Link TD Bank Debit Bonus

Sign for grocery purchases from Jan 17 – Mar 6, 2010 with your TD Bank Visa Debit Card,
and you’ll get a $10 TD Bank Visa Gift Card in the mail for every $100 spent on groceries
– up to $50. See Super Card Terms for details.

CC Dude’s Saving Money Tip of the Day:

One of the things I learn with car insurance is that you can always cancel your policy at any time. There is no early termination fee and you get your money back pro-rated if you pay it full in advance. Since rates are always changing, you can be sure to find a lower price from all the competitors.

It took me less than 5 minutes to find a lower rate by going through online with Netquote. After filling out online, the offers begin to pour in from at least 10 insurance companies. The major companies include Farmers, Allstate, Progressive, Nationwide, and many more. I put in the year and model of my car, along with the type of coverage I would like, and they will email you the best rates. I didn’t put my real phone number because I didn’t want to be bothered with them calling.

For those that are paying thousands of dollars in income tax, how would you like to get 2.51% of that back? Lets say you gotta pay $10K in taxes for last year income. If you get 2.51% of $10K back, that is $251 free money back to you. Too good to be true?

First, make sure you have less than 3 Citi Cards so you can apply for the Citi CashReturns Card. The CashReturns card gives you 5% cash back on everything for 3 months. You heard me right, yes 5% cash back on EVERYTHING for the first 3 months with the Citi CashReturns Card. You wondering, I thought you only get 2.51% cash back?

There is a new site Official Payments that allows you to pay your taxes with credit cards. The site charges 2.49% processing fee, therefore you will get 2.51% back from the 5%. This is legit.

From the website:

Official Payments provides electronic payment services to the United States Internal Revenue Service, 25 States, and more than 2,500 local collecting organizations nationwide. The payment pages for each are linked on this website, and grouped into one of the three categories shown below. Select “Pay Now” to begin the process. You can also search for our payment partners by zip code.

You might worry that your approved credit limit is not big enough. It’s simple to raise your credit limit by 1) Ask them to increase your credit limit once approved 2) Transfer your credit limit to your new Citi CashReturns Card from other Citi cards.

There is NO CAPS or LIMITS for cash back earning. Remember, you have 3 months for 5% cash back on Everything. Time the 3 months window right so that you can make all your big purchases during this 3 months. Best time to get this card would be paying your taxes, upcoming wedding, renovating a house, paying your tuition bills, etc etc. Many readers have told me they got over $1000 back with their holidays spending last year.

After signing up for the Citi CashReturns Card, the 3 months officially starts during your application and not the day you got your card in the mail. I would spend everything on this card, whether it’s a getting a coffee at Starbucks or filling up my gas tank. The best part is getting cash back and not Thank You points. Checks will be sent automatically upon earning $50.

Tips:

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

**I would even buy gift cards for places you know you will shop. Hence guarantee 5% cash back for the future. Examples: Walmart, gas stations, groceries stores, etc**

***Another site similar to official payment is Pay1040 ***

Quick Summary Citi CashReturns^SM Card:

• 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!

Do you have a Discover More card? Discover gives you a chance to get 5% cash back on special categories. The categories change every month or so. In order to take advantage of the special promo, you must sign up through this Discover link. For the month of February, you get 5% cash back on Restaurants, Florists, Candy Shops, Bookstores, and Pet Stores. Maximum cash back is $200.

From the website:

Sign up to earn 5% Cashback Bonus on purchases at restaurants, florists, bookstores, candy shops and pet stores from 2/1/08 (or the date on which you sign up, whichever is later) through 2/29/08, subject to a cap of $200 in purchases. Restaurant purchases are those made at merchants we classify as full-service restaurants, cafes, cafeterias and fast food locations. Purchases of flowers, books, candy and pet supplies must be made at qualifying stand-alone florists, bookstores, candy shops and pet stores. These purchases must post to your account between 2/1/08 and 2/29/08. Allow up to 5 weeks for this reward to be added to your Cashback Bonus account. You will continue to earn up to 1% unlimited Cashback Bonus on all other purchases. Only Discover More Cardmembers are eligible to participate in this program. See Cashback Bonus Terms and Conditions for further details.

Discover® More^SM Card

• 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
• 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
• Up to 1% Cashback Bonus on all other purchases automatically
• Unlimited cash rewards
• Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus PartnersApply Now!

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!