by CC Girl on August 17, 2011
in Citi
Do you feel suffocated because of the excessive interest rates on existing cards? Are you needing to make a high price purchase but would like to avoid paying high interest rates? The Citi Diamond Preferred Card is presently offering the longest introductory rate of 0% APR for 18 months on purchases and balance transfers. The 0% introductory APR on balance transfers requires a 3% balance transfer fee, which is currently the lowest fee offered by major credit card providers. After the introductory rate expires, the APR becomes 11.99%-21.99% depending on your credit history. As a rewards benefit, the card provides “Extra Cash” to be redeemed for travel, entertainment and merchandise on the Extra Cash from Citi website. In addition, the Citi Diamond Preferred Card also comes with a few premium perks and protections for shopping and traveling. 24/7 Diamond Preferred Concierge service takes care of your flight and hotel bookings, restaurant reservations, and even entertainment ticket purchases. So if you want to get out of debt sooner, not waste money on paying interests, or just want a great card that gives some spending perks, this card just might be what you’re needing.
Key Features:
- 0% introductory APR on purchases and balance transfers for 18 months.
- Low 3% Balance Transfer Fee.
- No Annual Fee.
- Extra Cash from Citi Program. Redeem your virtual Extra Cash for discounts on the the Citi website.
- $0 liability on unauthorized purchases
- Secure, free online account management
This is a great card to have to relieve you from surmounting debt on credit cards with high interest rates or if you need to make a large purchase and want to give yourself some time to pay it off without accruing interest. Apply for the Citi Diamond Preferred Card today and start saving your hard-earned money!
by CC Girl on August 16, 2011
in Citi
Hunting the market for a credit card worthy of the fledgling consumerist? The Citi Dividend Platinum Select Visa for College Students (now offering $50 cashback bonus after $150 in purchases) is a cash rebate rewards credit card specifically made for the college demographics with no history of credit. Unlike other Citibank cards, this card literally pays you for spending. If you simply need a forward cash back reward system, here is the card to have since it does not offer a point system. One of the distinctive feature provided to make the college student’s life easier is their virtual account number which enables safe shopping on the internet as it protects the account and identity of the card holder. Let’s be realistic; college students spend considerable time at the computer and therefore are bound to do some online shopping- may as well do it without worrying that their information could be hacked and fraudulent charges made.
Key Features:
- Earn $50 cash back after $150 in purchases in the first three months of account opening.
- No annual fee and no cosigner required.
- 0% Intro APR on Purchases for 7 months. There after 13.99%-21.99% variable based on your creditworthiness.
- Average 5% additional Cash Back at gas stations, supermarkets, drugstores, and utilities for 6mos. and 1% thereafter. Over 400 leading retailers through the Citi Bonus Cash Center.
- 2% Cashback in popular rotating categories like restaurants, apparel, plus more. 1% Cashback on all other purchases.
- Free credit education tips and tools to help you moderate your spending.
- $0 Liability on Unauthorized Purchases.
For busy college students, checking up on reward points on their credit card is probably the last thing on their mind. With a cash rebate-only credit card, getting cash back when swiping their card at supermarkets, drugstores, and gas stations couldn’t be more simple. All of the cash rewards earned will show up on the account at the end of the month. With plenty of exams and term papers to be concerned about, one less hassle is always appreciated. Apply for the Citi Dividend Platinum Select today!
A simple cash back rewards card, the Chase Freedom MasterCard is providing a $100 cash return incentive for all new sign-ups when $500 is spent within the first 90 days of account activation. This card aims to make accumulating rewards and redeeming them as easy as possible. Great features include a 0% introductory APR for 6 months on purchases and 12 months on balance transfers; 5% cash back in different bonus categories every yearly quarter on items like gas, groceries, travel and home improvement-related purchases; and even up to 10% cash back when you shop online with specific participating merchants. You may even earn a limitless 1% cash back on every eligible purchase you charge to your card- you get 1% rebate (i.e. 1 point) for every single dollar you spend on the card. So for instance, a reward points total of 2,000 points is redeemable for a $20 check. So generally, a point is roughly equal to a penny earned for each and every dollar spent!
Key Features:
- $100 Cash rebates. Chase automatically credits your account $100 once you spend $500 in the first 3 months after activation.
- 5% Cash return. Earn 5% cash return- up to $1,500 spent in bonus categories each quarter. You’ll enjoy new categories every 3 months like gas, food markets, dining, even home improvement stores. It’s free and simple to activate your bonus each quarter!
- 1% Cash Back. Earn 1% cash back on anything else you purchase without limits on the amount you can earn.
- Up to 10% Cash Back. Up to an additional 10% cash back when you shop online at select merchants through Chase.
- Introductory Purchase Annual Percentage Rate. 0% APR for 6 months. After each intro period, a variable APR of 11.995-22.99%.
- No Annual Card Fee.
If you rely more on credit cards than cash to pay for everything from gas to groceries to eating out, you will soon earn a considerable cash back bonus with this particular card. So if you want a credit card that costs absolutely nothing to have but that gives chock-full of bonuses, the Chase Freedom MasterCard is definitely the one to get.
Remember all those times in college and you were paying up out of this world on interest rate with credit cards? Well, it’s time for payback and use Credit Cards to “game the system” for maximizing your cash back.
Unless you have the Schwab Invest First card, the only other 2% cash back on All PURCHASES is the Fidelity Investment Rewards American Express(no annual fee). In addition to opening the credit card, Fidelity makes you open an account with them in order to get the 2%.
The Schwab is no longer available and it works the same way. It’s easy to set up whereas you can cash out via ACH transfer to your bank account.
When you open a Fidelity account, make sure to ask for the MySmartCash and have it link to your new Fidelity card. In doing this, your cash back automatically deposit into a MySmartCash account which is like a checking account.
If you want to go “gangsta” and maximize your cash back, then set up a rotation of cards such as Discover More($100 bonus), Chase Freedom($100 bonus), and Amex Blue Cash($25 bonus) for 5% cash back on rotating categories such as gas, drugstores, supermarkets, etc.
Also, you can get $50 bonus + 30000 bonus miles(enough for a free roundtrip ticket) with the Chase Continental Airlines. No annual fee for the first year, so make sure to cancel before your 1 year anniversary.
Bank of America is running a Referral Program whereas you can get $25 personal checking bonus and $50 business checking bonus for both people until 3/31/2011. Simply ask one the people who is a current BOA member, and refer you using this referral page.
From the website:
To Qualify for the Incentive: You must present this referral form at the time of the account opening and satisfy the terms of the applicable referral program. For Personal Checking accounts you must open a new checking account with a minimum opening deposit of $125 and make a minimum of one debit card purchase during the first 30 days from account opening. For Business checking accounts you must open a new checking account with a minimum opening deposit of $250 and make a minimum of one debit card purchase in the first 30 days from account opening. All accounts are subject to our normal approval process.
For those living in Washington State in the cities of Auburn, Bonney Lake, Federal Way, Lakewood, Gig Harbor, Key Center, Olympia, Puyallup and Tacoma, then check out Sound Credit Union $100 bonus for opening one of its checking accounts. You must set up direct deposit to get the bonus. There is no monthly service or minimum requirement with one free overdraft per year.
From the website:
A minimum $250 monthly direct deposit to a new primary consumer checking account is required. The $100 incentive is available for new primary consumer checking accounts only and will be deposited 30 days after direct deposit is established. Checking account must meet direct deposit requirement within 90 days of account opening or $100 incentive will not be paid. One incentive paid per member. Must meet qualifying criteria to open checking account. A $25 savings account is required for membership. The $100 incentive will be reported on Form 1099-INT. The $100 incentive cannot be used to open checking account. Limited time offer, eligibility and incentive are subject to change at any time.
For residents living in Wisconsin, get this $100 checking account bonus from AnchorBank with a new checking account. There is no monthly fee or minimum balance. Good until 2/28/2011. You must make a $100 initial deposit and do the followings:
* $25 for opening your account
* $25 for direct deposit
* $25 for making three debit card purchases
* $25 when you sign up for free e-statements
From the website:
To qualify for the full $100 you must: Open a new AnchorBank personal checking account with the appropriate minimum deposit of new money (money not currently held by AnchorBank). (Qualifies for $25.) Within 60 days of account opening you must initiate a monthly direct deposit which includes payroll, pension, Social Security or other government benefits. (Qualifies for $25.) Within 60 days of account opening you must make 3 debit card purchases. (Qualifies for $25.) Within 60 days of account opening you must sign up for e-statements. (Qualifies for $25.) The amount indicated will automatically be deposited into your new account within six to eight weeks after the completion of each of the events. This promotion is for new personal checking accounts only. If you already have an AnchorBank checking account, you are welcome to switch types or open a new account; however, only first checking accounts qualify for the $100 promotion. Not valid with other offers or on HSAs. Standard account qualifications apply. Account must remain open for six months and should be utilized as the primary checking account. $100 required to open all accounts except High Interest, which requires $5,000.
• 50,000 bonus miles after your first purchase
• First checked bag free every time you fly when you purchase your tickets with your Card for flights operated by Continental only (a savings of up to $50 per round trip)
• Two miles per $1 spent on tickets purchased directly from Continental, and one mile per $1 spent on all other purchases
• Two Presidents Club® passes ($100 value) every Cardmember anniversary
• Redeem miles for car rentals and hotel rewards in addition to flights — a Cardmember exclusive
http://www.continental.com/web/en-..inental.aspx
On your birthday month, sign up with this DISCOVER CARD link to get Double Cash Back to get up to $500 of charges maximum. You Discover card now is 2% cash back. Get the Discover More card with a $100 bonus.
From the website:
Sign up to earn 2% Cashback Bonus on up to $500 in purchases from the first day of the birthday promotion month for which you enroll (or the date on which you sign up, whichever is later) through the last day of that month. Purchases earning 2% Cashback Bonus will not count toward your total annual purchases to determine your tier level. These purchases must post to your account by the last day of the month. Allow up to 5 weeks for this reward to be added to your Cashback Bonus account. See Cashback Bonus Program Terms and Conditions for further details about your reward program.
