Update. As many of you correctly pointed out, only $31 million was allotted to the $125 alternative payment if you opted out of the free credit monitoring. The FTC has provided an update encouraging people to pick the free monitoring: I thought I could choose $125 instead of free credit monitoring. What happened? The public response to the settlement has been overwhelming. Millions of people have visited this site in just the first week. Because the total amount available for these alternative payments is $31 million, each person who takes the money option is going to get a very small amount. Nowhere near the $125 they could have gotten if there hadn’t been such an enormous number of claims filed. The free credit monitoring provides a much … [Read More...]

Updated with 125k limited-time offer. The Chase IHG Rewards Club Premier credit card is the IHG hotel co-branded card that includes special IHG perks like a free night award every year you keep the card. Right now, there is a limited-time 125,000 IHG point bonus offer + increased purchase rewards for the first year. Here are the highlights: 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening. Free Night award after each account anniversary year at eligible IHG hotels worldwide. Valid at IHG Hotels with a current point redemption level of 40,000 points or less. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights. Earn 40 points total per $1 spent when you… [Read More...]

Updated with 100k limited-time offer. The United Explorer Business Card is the co-branded business credit card between Chase and United Airlines, and it offers unique perks for regular United customers including free checked bags and expanded award seat availability for redeeming miles. Right now, there is also a limited-time offer of up to 100,000 bonus United miles for high spenders: 50,000 bonus United miles after spending $5,000 within the first 3 months. Additional 50,000 bonus United miles after spending $25,000 total within the first 6 months your account is open. Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket. Two one-time United Club passes each year ($100+ value) Expanded… [Read More...]

Updated with 125k limited-time offer. The Chase IHG Rewards Club Premier credit card is the IHG hotel co-branded card that includes special IHG perks like a free night award every year you keep the card. Right now, there is a limited-time 125,000 IHG point bonus offer + increased purchase rewards for the first year. Here are the highlights: 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening. Free Night award after each account anniversary year at eligible IHG hotels worldwide. Valid at IHG Hotels with a current point redemption level of 40,000 points or less. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights. Earn 40 points total per $1 spent when you… [Read More...]

Updated August 2019. Do you have small business income or work as an independent contractor? Uber/Lyft, Amazon, eBay, Etsy, Airbnb? You are eligible to open a small business credit card, which keeps your personal and business expenses separate. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. I did this for years successfully before incorporating my business. Small business credit cards are offering strong perks and $500+ value for a single card during the first year to try out a new card. Below are the top 10 credit card offers that I would apply for (or have applied for already). Recent changes: Business Southwest… [Read More...]

Updated August 2019. That space in your wallet or purse is more valuable than you think. Credit card companies are fighting it out, 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: Amtrak – improved offer. Gold Delta – new limited-time offer. Hilton Surpass – limited-time offer. Barclays AA card – improved 60k offer. Hawaiian – 60k offer with annual fee waiver. If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your … [Read More...]