American Express and Costco have teamed up to offer the TrueEarnings Card that allows you to earn cash back everywhere you make use of your credit card, making every eligible purchase an opportunity to save. As a cardholder, you get 3% cash back for annual gasoline purchases of up to $3,000 (1% thereafter), 2% cashback for restaurants and travel, and 1% on the rest, including Costco naturally. Earning and tracking rewards are easy since your card issues a cash reward coupon annually that you may redeem at any Costco warehouse for merchandise or cash. Provided that you have paid your Costco membership, there is no annual fee for your TrueEarnings card, allowing you to benefit from the exceptional American Express customer service and card benefits. Also, if you apply now you will get a 0% introductory APR for 6 months.

Key Features:

  • No annual fee with paid Costco membership. Earn even more cash back when you sign up someone listed on your Costco membership for an additional card and get an even bigger reward.
  • Flexible Payment Options. Pay charges over time.
  • 0% intro APR for 6 months. After that, your APR will be a variable rate, currently 15.24%
  • Earn cash back everywhere, not just at Costco. Every time you make a purchase, you can earn cash back: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco.
  • Receive world-class Customer Service and protection. American Express offers personal attention and exceptional Customer Service that’s available when you need it, 24/7. Rest assured with valuable services like purchase protection, extended warranty, and the Global Assist Hotline.
  • Enjoy 2 memberships in 1. Your TrueEarnings Card is two Cards in one – it’s both an American Express Credit Card and your Costco membership card.

Along with great cash back opportunities, the TrueEarnings Card gives perks on everything from travel to entertainment. Obtain the most competitive prices available when booking airfares, cruises, car rentals, and hotel accommodations when using American Express Online Travel. Moreover, you may enjoy exclusive access to the best seats to sporting events, family shows, and much more. With so many methods for getting cash back and benefits when using this credit card, why have you not applied for the TrueEarnings Card from Costco and American Express?

Disclaimers: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.


Crediting unlimited cashback for business expenses and offering discounts with participating merchants automatically, the SimplyCash Business Card from American Express OPEN is among the best credit cards available for smaller businesses. Using the American Express’ OPEN Savings program, you can earn as much as 5% cashback on office supplies from any office supply store and wireless telephone services, 3% cashback on gasoline, and 1% on the rest. Furthermore, automatically receive discounts on every purchase you are making with partnering companies such as Fedex, Kinkos, Barnes & Noble, Hertz, and the Marriott to name a few. Also, with no annual fee, it is ideal if you are looking to issue employee credit cards where you can set individual spending limits on every one. As an added bonus, this card offers purchase protection and travel assistance and insurance for additional ease of mind.

Key Features:

  • 0% introductory APR for 6 months, 9 months or 12 months, based on your creditworthiness. After that, your APR will be 13.24% (Prime Rate + 9.99%),16.24% (Prime Rate + 12.99%) or 19.24% (Prime Rate + 15.99%), based on your creditworthiness as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.
  •  5% cash back on wireless services and office supplies, and 3% cash back on automobile gasoline. 5% cash back applies to the first $12,000 of office supply purchases and the first $12,000 of wireless telephone services. 3% cash back applies to the first $12,000 gasoline purchases. Any amount in excess of these earn a standard 1% cash back.
  • 1% cash back on virtually all purchases. 
  • Option to pay over time with interest. Since this is a credit card, you can choose to pay your balance in full or over time.
  • Automatic cash credited to your statement each month.
  • No limit to the amount you can earn.
  • No annual membership fee.  
Maximize your business profits by saving money on expenses when you earn unlimited cash rebates using the American Express OPEN SimplyCash Business Credit Card today.

Disclaimers: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.


*DEAD* College could be the land of brand new beginnings full of learning, exploring, and a lot of ramen noodles for those penny pinching days. If you’re a college student who would like to start building your credit while using a credit card that rewards you for good money habits, the Citi mtvU Platinum Select Visa Card for College Students may be the answer. This card gives you 5 reward points for each $1 spent on books, movies, music and at restaurants. It’s distinctive among other cards because it awards points for getting a good GPA- talk about incentive to do well in school! ThankYou points are rewarded as follows:

GPA Score            Points
2.50 – 2.99            250
3.00 – 3.49            500
3.50 – 3.99            750
4.00                       2,000

Apart from earning reward points by getting on the Dean’s List, you will be rewarded for paying your bills punctually and not exceeding your credit limit. Of course it goes without saying you would have to put charges on the card to earn any points first. Receive 5 points for every dollar you spend on purchases at the book store, record store, restaurants (including fast food), cinemas, and video entertainment rental stores; and1 point for every dollar you spend on other purchases. With these points, you can redeem them on the ThankYou Redemptions Network reward program to get gift cards, CDs, VIP mtvU Spring Break Passes, tickets to the MTV Video Music Awards, and airline tickets.

Key Features:

  • 0% introductory APR on purchasesfor the first 7 months. After that introductory period, the APR for purchases will be variable, between 13.99% and 21.99% depending on your creditworthiness.
  • 5 reward points for every $1 you spend on books, movies, music and at restaurants.
  • 1 reward point for every $1 you spend on other purchases.
  • 25 reward points each month when you pay on time and stay under your credit limit.
  • Up to 2000 reward points twice a year for having a good GPA. At the end of every semester, just send in your transcript and get extra points!
  • 10% discount on music and entertainment products at
  • Access to exclusive mtvU experiences like free concert tickets,  tickets to the mtvU Woodie Awards or VIP status at mtvU’s Spring Break.
  • No annual fee. Enjoy platinum cardholder benefits and the card’s rewards system at no cost.
  • No cosigner or minimum income required.

If you’re a good student who’s financially responsible and capable of making payments on time in order to avoid paying interest, sign up for the Citi mtvU Platinum Visa card for College Students to get rewarded today!


Citi Forward Card for Students Review- Get $75

by CC Girl on September 14, 2011

in Citi

A great number of young adults sign up for credit cards that are not designed for their needs, and so they wind up learning the hard way- hurting their credit and having interest rates skyrocket. Citi addresses this problem by offering college students the Citi Forward Card, currently giving a $75 statement credit once you spend $150 on back-to-school purchases at apparel, book or electronics stores within the first 3 months of opening your account. This card rewards students by reducing APR and giving bonus points for responsible finance management, thereby encouraging them to pay their bill punctually and in full and staying under credit limit. Some of the card’s perks include 100 bonus points per month for paying your bill on time; 2x points for purchases on books, movies, music, and restaurants; as much as 2% APR reduction; and a 0% introductory APR for 7 months. When you are a responsible consumer, it is possible to reduce your costs with the Citi Forward Card!

Key Features:

  • Earn a $75 statement credit after you spend $150 on back-to-school purchases at apparel, book or electronics stores within the first 3 months of opening your account
  • Up to 1,200 ThankYou Points a year for paying on time and staying under your credit limit
  • Up to 2% APR reduction when you make a purchase, pay on time and stay under your credit limit 3 billing periods in a row (0.25% each quarter, 8X maximum)
  • Earn 2 ThankYou Points for every $1 you spend eating at your favorite restaurants including fast food, catching movies or buying books and music
  • 0% Purchase APR for 7 months on purchases. After that the APR will be 13.99% to 22.99% variable based on creditworthiness
  • $0 liability means never having to pay for fraudulent purchases
  • No co-signer required

For college students who wish to build their credit, Citi Forward can help you reach that goal if use your credit wisely. Why not receive some benefits while being financially responsible? Sign up for your card today!


BankDirect is partnering with American Airlines to offer as much as 21,000 AAdvantage Miles to new and current AAdvantage members. You will get the first 1,000 bonus miles by opening either a BankDirect Mileage Checking or Mileage Money Market Account. The other 10,000 bonus miles are earned by creating direct deposit via your employer. Earn 5,000 miles for utilizing BankDirect’s bill pay service and another 5,000 miles for making use of your BankDirect Visa CheckCard. By peforming the four steps above, you could easily get a total of 21,000 bonus AAdvantage Miles. You’ll need an additional 4,000 miles to have a total of 25K miles in order to get a free flight ticket. Browse the list below for additional ways to earn bonus miles with BankDirect.

Extra Ways to Earn Bonus Miles:

  • Earn 1,000 miles for every $100,000 in initial deposit, up to $500,000, per household.
  • Earn 1,000 miles for referring a friend when they open a Mileage Checking account.
  • Earn 100 miles per month for every $1,000 of the monthly average collected balance in your Mileage Checking Account up to the first $200,000 on deposit. For monthly average collected balances over $200,000, earn 25 miles per $1,000 for all balances over the first $200,000 on deposit.
  • Earn 1,000 miles for every $1,000 invested in a two-year Mileage CD purchase up to $200,000. Additionally, earn 25 miles per $1,000 invested over $200,000.

Note that BankDirect is an FDIC insured, internet-only bank with no physical branches. For those who are already or want to become an AAdvantage member, you might want to consider opening an account with BankDirect. Members can easily earn 10,000 AAdvantage miles annually with a Mileage Checking Account and 50,000 miles by purchasing a single Mileage CD. Just remember, you will need keep a balance with a minimum of $2,500 in your account in order to avoid the monthly $15 fee. Otherwise, this deal seems pretty good considering you’re getting free miles for doing something you have to maintain anyway such as a bank account. Don’t wait any further and apply today!

For more bank bonus offers, click here!


Chase Slate- 15 Months Introductory 0% APR

by CC Girl on August 31, 2011

in Chase

Should you be one of those credit card holders who require help managing debt, the Chase Slate Card with Blueprint feature, 15 months 0 % Intro APR, and no annual fee could be the card to suit your needs. The Chase Slate, formally known as the Chase Platinum, is best for those who intend to make a big purchase or those who have a balance on their credit card but wish to pay less interest every month in order to take less time on repaying their debt. This card can help you do so by offering 0% introductory APR on balance transfers for 15 months if you have excellent to good credit or 6 months if you have fair credit. Additionally, the signature feature of this card, Blueprint, allows you to customize your payment schedule by helping you manage spending and borrowing on your own terms. With this particular feature, you can avoid paying interest on categories you select when you pay them off in full in each month, pay off larger purchases by setting a goal date or monthly payment, pay down your balance faster by calculating what’s most economical, and track your spending trends and progress.

Key Features:

  • 0% Intro APR for 15 months on Purchases and Balance Transfers for Excellent and Good Credit. After that, a variable APR of 11.99%-16.99%. 0% Intro APR for 6 months on Balance Transfers for Average Credit. After that, a variable APR of 21.99%.
  • No Annual Fee. You enjoy all the benefits with no cost to you.
  • Blueprint Feature allows you to avoid unnecessary interest and it gives you a plan for you to pay your balances down faster.
    • Full pay. With this option you can avoid costly interest charges on particular items by paying in full. Items that fit into this category will be separated from the rest on your statement.
    • Split. This option gives you the ability to payoff large purchases on terms that best suit you. You have the ability to set a monthly payment or a goal date in which you want to have the item paid off by.
    • Finish it. This allows you to pay down your balance as quickly as possible. You set a goal or date, and they make sure you stay on track.
    • Track it. Chase Slate gives you the ability to track your progress all the while seeing how close you are to reaching your goals.

Using this card, you will save more on interest and help pay down balances faster with their Blueprint feature and 0% introductory APR; therefore, if you’re looking to get out of debt sooner, sign up for the Chase Slate credit card today!

Click here for more credit card offers!


A great cash rewards card, the Chase Freedom is offering 5,000 bonus points that can be redeemed for a $50 check to first-time cardmembers with new accounts. For those seeking a bigger bonus, look into the Chase Freedom $200 cashback. The main difference is that the Chase Freedom $50 bonus offers you 0% intro on balance transfers for 12 months and 6 months on purchases. (Following the intro period, a variable APR of 9.99% to 22.99%, depending on your creditworthiness)

You’ll qualify for and receive your bonus after your first use of the card, including purchases, balance transfers, or any checks that are used to access your account. Basically, you get a cool $50 just to charge your card! So how do you get additional points to redeem for cash down the line? The Chase Freedom card offers an simple rewards system: rewards are earned as points, which can be redeemed for cash back- 1% cash back equals 1 point. If you choose to redeem for cash back, 1 point equals one cent cash back. For instance, 5,000 points may be redeemed for a $50 check. Quite simple, right? Earn 1% on all purchases and 4% more in bonus quarterly rotating categories for a total of 5%. You can also earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool.

Key Features:

  • $50 Cash Back after your first purchase. Start earning as soon as you make your first charge on the card.
  • 5% Cash Back up to $1,500 spent in bonus categories each quarter. Just remember to enroll each quarter!
  • 1% Cash Back on everything else you buy without limits on what you can earn.
  • Up to 10% Cash Back  when you shop online at select merchants through Chase.
  • 0% Intro APR for 12 months on Balance Transfers made during the first 30 days your account is open
  • 0% Intro APR for 6 months on Purchases. After that, 11.99% to 22.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate
  • No Annual Fee. Get valuable benefits and top-notch rewards for free!

Together with other great incentives about the Chase Freedom including 0% introductory rate for 6 months on purchases and 12 months on balance transfers and no annual fee, why have you not requested your card today?

For a complete list of credit card bonuses, click here!


Around since 2006 and operating out of San Fransisco, California, Zecco Trading (“Zero Cost Commission”) is an online brokerage that provides low cost stock and options trading- priced at $4.95 plus $0.65 per contract- and represent among the best values in the brokerage industry. Their online stock and ETF commission rates are 30 to 50% lower than other top competitors with the lowest assignment and exercise fees of all discount brokerage firms – $4.95. Mutual funds are just $10 per transaction. There are no surcharges for large orders but the company charges $2 per trade more on penny stock trades. There isn’t any minimum deposit required to open or maintain an online trading account. Along with their low cost stock and options trading, Zecco is known for the ZeccoShare social network, an exclusive innovative online trading community which offers the perfect environment for developing strategies, obtaining trading ideas, money management skills and advice from other traders who’ve been through it and seen it all.

Key Features:

  • Stocks: $4.95 per trade (equities with a trade price of less than or equal to $1.00 per share are $6.95 per trade).
  • Options: $4.95 per trade + $0.65 per contract.
  • Broker assisted trades are $19.99.
  • Zecco’s price structure is ultra cheap and easy to understand.
  • Forex spreads as low as 0.7 pips for major pairs.
  • Margin rate: 4.5%
  • Investments offered: Stocks, Options, Bonds, FOREX, ETFs, Mutual Funds, Retirement Accounts, Education Savings Accounts.
  • Deposit funds by linking your bank account, paper check, wire transfer, transfer from another broker (Zecco will cover up to $150 in account transfer fees).
  • ZeccoShare social network- an exclusive innovative online trading community.

The trading platform includes a nice simple design. It’s very intuitive to utilize, you should easily be able to place an order without needing to spend a lot of time training. However, Zecco’s trading tools don’t offer some of the more advanced features used by very active trades. There’s no volatility charts, trading patterns or stock alerts, and while streaming data is available, it is extra. Therefore, this is a platform that’s clearly aimed at the beginner. On the plus side, it’s got everything the smaller trader or those just beginning will need. Sometimes less is more, and that’s definitely the situation here. There’s also a fully functioning mobile platform to help you execute trades on the move.

Overall, Zecco is an excellent choice for you if you’re an experienced trader looking for a low cost and solid service. Education resources are a bit thin but nonetheless OK, and let’s keep in mind how useful the social networking feature is to share notes, tips and trading strategies with other successful traders. They’re a broker tailored towards the beginner. And that’s no bad thing because everyone has to start somewhere. There is a full virtual trading platform, perfect for mastering your strategy along with one of the best trading communities around. Opening an account with the company does not require money down and no commitment needed, so if you want to see if Zecco matches your needs, take 10 minutes and open an account!

Click here to see the best online brokerages.


U.S. Bank’s Savings Today And Rewards Tomorrow (S.T.A.R.T) program offers up to $100 in Rewards Cards as a financial incentive for savers and rewards customers obtaining and maintaining a $1,000 savings account balance. With the S.T.A.R.T. program, they make it easy for everyday savers to start a savings plan. It will help savers keep on track to meet their savings goals and earn rewards along the way. Simply create a recurring transfers from your U.S. Bank Package Checking account to your U.S. Bank Package Money Market Savings account. After reaching a balance of $1000 in your savings account, they are going to award you a $50 U.S. Bank Rewards Visa Card. Keep a balance of $1,000 or higher for a year and earn another $50 Rewards Card.

What You Need to Do:

1. Visit a participating branch, or call them toll-free at 800-593-6087, or enroll online and choose the U.S. Bank Package that works best for you. They offer three unique savings transfer options to help you reach your goals. You decide how and when you want to transfer your funds. Choose the savings option that works best for you, and watch your savings grow.

2. Enroll in S.T.A.R.T. and create your savings plan. Set up one or more of the following qualifying transfer options from your Package Checking account to your Package Money Market Savings account:

  • Transfer an amount you choose on a specific day of the month, OR  transfer an amount on the date you choose. Maybe you want to set aside $25 every pay day. Or $50 on the first day of the month. Or $1 every day. Select the amount and schedule that works best for you.
  • Transfer an amount you choose for each U.S. Bank Check Card purchase, OR choose an amount between $0.25 — $5 to transfer for each check card purchase. When you make a purchase, they will transfer that amount from your checking account to your savings account. For example, if you elect to transfer $1 for each purchase and 5 purchases post to your checking account on Tuesday, they will automatically transfer $5 from your checking account to your savings account on Wednesday.
  • Transfer an amount you choose for each U.S. Bank Credit Card purchase. Choose an amount between $0.25 — $5 to transfer for each credit card purchase. When you make a purchase, they will transfer that amount from your checking account to your savings account. For example, if you elect to transfer $3 for each purchase and 2 purchases post to your credit card on Monday, they will automatically transfer $6 from your checking account to your savings account on Tuesday.

3. Celebrate your savings milestones! Enjoy rewards from US when you reach one or both S.T.A.R.T. goals when your savings balance reaches $1,000. They will recognize your achievement with a $50 U.S. Bank Rewards Visa Card, and if you maintain a balance of $1,000 or more in your account for one year, you will earn another $50 U.S. Bank Rewards Visa Card.

Are you ready to choose the savings option that works best for you and see your savings grow? If so, sign-up here and start earning your $100 Rewards Cards!