Good news for those with the Discover Card 0% Balance Transfer for life; you no longer required to make 2 minimum purchases to get the 0% APR.

Here’s a recent email:

Thank you for your recent inquiry regarding the extension of the balance transfer rate on your Discover Card account.

Great News! You no longer have to make transactions in order to extend your balance transfer rate on your transferred balance per the terms of the original offer.

Please keep in mind that if you pay late, the promotional Annual Percentage Rate (APR) will end, and we may increase all of your APR’s to a variable Default Rate of up to 29.99%. This change does not affect any other Balance Transfers or other promotional rates and terms that you may have on your account.

Remember, Discover Card rewards you with CashBack Bonus for the things you buy. We did not advertise this as we encourage you to continue using your account for your purchases to increase your CashBack Bonus balance.

We appreciate your business and hope you enjoy the many benefits of being a Discover Cardmember.

They didn’t do this out of their good heart, but  they are in preparation for the new Credit Card Act. Also, it has been confirmed that they have increase the 2% minimum payment up to 4%. People have been told that all existing balance transfers will be subject to a 2% minimum, or 2% plus $40 if balance is greater than $40.  Check with your credit statements to be absolutely sure. Also, call Discover CSR to check on their new policy of no purchases requirement.

ShareBuilder $50 Bonus

If you never open a Sharebuilder account, then these bonuses are pretty easy. There is no hard pull on your credit report. Normally, you would need to make a trade, but it seems like there is no need to make one trade on this bonus offer.

Here’s the newest code I just found: 50WCFA

Follow these steps:

  1. Sign up to your ShareBuilder account.
  2. Click on the “Get Started” tab.
  3. Select account type Individual Account and then click “I’m responding to a Promotion”.
  4. Fill out the rest of the form. Click “Next” to fill out second form. Under Promotion Code, enter promo code E.G.: 50WCFA
  5. Select “No I don’t have an account” and fill out the owner information and username/password information. Click “Next”.
  6. Select “Sharebuilder Basic Account” (Don’t select Standard or Advantage as those programs have monthly fees).
  7. Deposit $50 from your checking account, Fund your account with an Electronic funds deposit from savings or checking account .
  8. It seems like you don’t even need to make a trade to get the bonus.
  9. Receive email that you got the promotion.
  10. Wait 4-6 weeks to get your bonus.