If you have any American Express credit cards, check your “Amex Offers” in either your online account or smartphone app. Most people are seeing the offer “Spend $10+, get $5 back, up to 10 times when you Shop Small by 9/20/20”. Get a $5 statement credit by using your enrolled Card to make a single purchase of $10+ at a US business location on the Shop Small Map (or Online Directory) by 9/20/20. Limit of 10 statement credits (total of $50). Before you click on that “Add to Card” button, be sure that you have selected the specific AmEx card that you intend to use for this promotion. Once you add this offer to one of your cards, the offer will disappear from the… [Read More...]

Updated June 2020. I’m still collecting points and miles and maximizing the value of my credit card spending. Things are quiet as credit card issuers get conservative, but that just means picking up some slightly lesser bonuses that I passed over previously. That space in your wallet or purse is still valuable, and you should be the one to get that value. Selected banks are offering strong perks and $500+ value for a single card during the first year to encourage you to apply and try it out. These are the top 10 credit card offers that I would personally apply for right now, if I didn’t already have most of them. Notable changes: IHG Hotels 140k/75k – 140k still highest ever, new 75k traveler … [Read More...]

Activation open for 3rd Quarter 2020. The credit cards below offer up to 5% cash back on specific categories that rotate each quarter. It takes a little extra attention, but it can add up to hundreds of dollars in additional rewards per year without changing your spending habits. You can also buy gift cards with the 5% back now but spend the gift cards later. New cardmembers may also get an upfront sign-up bonus. Chase Freedom Card From July 1st through September 30th, 2020 you can earn 5% cash back on up to $1,500 spent in the following categories: Amazon.com Whole Foods Market Enroll each quarter at ChaseBonus.com. As long as you activate by the end of the quarter the rewards are retroactive. All other purchases … [Read More...]

Here is a new Amazon/AmEx promotion that promises “$20 off at Amazon after you make a single purchase of $50 or more using your American Express card”. However, the promotion has a lot of fine print to note: You must purchase products “sold by Amazon.com” or “sold by Amazon Digital Services LLC” by 7/22/20. Amazon e-gift cards do not qualify. You must spend $50+ on a single purchase using “any eligible American Express Consumer Card”. You must do all this upfront without being able to see that you are qualifying for the promotion. After the order ships, only then will you receive a confirmation e-mail. The $20 promotional credit can only be used at the Amazon Moments store, which … [Read More...]

Update June 2020: In response to COVID-19, the Bank of America Travel Rewards Credit Card has expanded the eligible categories of spending against which you can get their 1.5% to 2.62% back from only Travel purchases to include Grocery Stores, Dining, and Takeout. This applies through December 31st, 2020 and applies retroactively to qualifying purchases made within the last 12 months. This should make it much easier to redeem your points for optimal value. Here is the fine print: Travel Statement Credit Expanded Category Offer. Now through 12/31/2020, you can also redeem Points for a statement credit in U.S. dollars to offset qualifying grocery store and dining purchases. This will apply to all qualifying purchases that posted to your account in the last 12 months, but is limited to the most … [Read More...]

If you have a Citi credit card that earns ThankYou points, you can redeem them to buy eligible items at Amazon.com. The redemption rate is 1 ThankYou points = 0.8 cents to spend at Amazon, which may not be the best value available. You can also redeem ThankYou points for gift cards (varies, but you can usually get at least 1 cent per point) or redeem towards a check made out to your mortgage payment or student loan (1 point = 1 cent ratio). If you have certain cards (see below), you can transfer to selected airline miles. Here is a targeted promotion where you can get 20% off Amazon.com purchases (max $30 discount) when you redeem at least 1 ThankYou point. As with many other similar promotions from other… [Read More...]