Just the Tip(s)

Category Archives for Just the Tip(s).

New Credit Card Checklist: What to Do When You Receive Your New Card

Getting a new credit card is a big step for lots of peeps. It’s a new account, new financial history, and something else to track.

New Credit Card Checklist

Did you know your new credit card came with a checklist? It does. Sorry 

Some of you might be like “Ugh,” but I’m like “Yay!” Even though I have 33 credit cards right now (yep!).

Here are the steps I take with each new card. And you should, too. It’ll help maximize your benefits, earn more rewards, and keep track of what’s what!

So ya got a new card, eh?

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Hacking Uber: Earn Points, Cashback, and Credits Every Time You Ride 🚙

To disclaim up front, I have a difficult relationship with Uber. I don’t like how they treat their drivers, women in particular, and their company culture seems… toxic. For the longest time, you couldn’t even tip your driver, which is why I preferred Lyft.

However, I’ve been riding Uber more lately because they make it so easy to stack multiple offers when you ride.

earn points with uber

Oh, Uber. I am “getting there”

And, I’m hopeful they’re slowly but surely turning things around.

With Lyft, you can only earn 3X Delta miles – and 30 JetBlue points on airport trips. Which, meh.

I’d rather earn cashback and Drop points, use travel credits, and get Uber credits for shopping around town. And many times you can stack these deals. You know I love a good stack!

1. Easy win: $1 from Ibotta every time you ride

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How (and Why!) to Use Mint.com to Track Your Credit Card Spending

With over 30 credit cards in my sock drawer wallet now, I have a lot to keep track of. Especially minimum spending requirements and limited-time promotions. I’ve long advocated everyone use Mint.com to track transactions on all their accounts.

Especially because you can see your transactions at a glance – that’s helpful to monitor any unwanted activity if you have several accounts.

mint card spending

Mint.com is the (free!) ace in your hole

But there’s another extremely helpful use: you can track your spending on a particular account based on date or timeframe. Which helps you know how close you are to meeting a spending threshold. Here’s how.

Mint.com – an easy way to track your spending

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5 Ways to Earn Points for Airbnb Stays (10% Back at Least!)

My friend Meghan asked if I knew of any ways to save on an Airbnb booking. I gave the obvious one – get $40 off a $75+ stay with a new account.

save on airbnb

New to Airbnb? Save $40 off your first $75+ stay

Most everyone already has an Airbnb account by now. But if you don’t, here’s my link if you’d like to sign up (and I’ll get a $20 travel credit as well).

That’s honestly the biggest savings. Still, there are other ways to get a return on your Airbnb stay: earn points or miles for it. Depending how you like to redeem them, you can get big value by stacking a few of the methods I’ll tell you about.

Lezz begin, shall ve?

5 ways to earn points and miles for Airbnb stays

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Costco Members: 2 Dozen Kirkland Golf Balls for ~$35! (Limit 2)

Quick!

If you’ve been on the hunt for the Kirkland Signature 4-piece Urethane Cover Golf Ball, here’s your chance because they’re back in stock!

Kirkland Signature Golf Balls

Kirkland Signature Golf Balls are a hot item in the resell community

They’re ~$30 for 2 dozen, shipping is ~$5, some states have taxesand the limit is 2 per membership. If you’ve been looking for these either to resell or just have as gifts or to use, go go go!

The elusive Kirkland Signature Golf Balls are back

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I Had to Use (My Chase Visa’s) Primary Rental Car Insurance – and Saved $692!

It finally happened – I had to file a claim to use my card’s collision damage waiver benefit. I knew the day would arrive sooner or later.

After I hiked down from Granite Park Chalet, I found my rental car had a little *DING* on the front passenger side door. The parking lot was packed, and it was obvious someone parked too close and opened their door too hard into my rental car. It was nearly imperceptible to the point where I thought about not saying anything about it.

Primary Rental Car Insurance

See that little dent? Yeah, I nearly didn’t either… *grumble*

But, I was responsible and filed a proper report when I returned the car. I wasn’t expecting to ever hear anything about it again. Until one day, I got a random call saying they filed a claim against me. In a near-panic, I filed my own claim online through Chase in just a few minutes.

THANK GODS I waived the CDW and put the charge on my Chase Sapphire Reserve card. Taking those small steps saved me nearly $700 – for a little ding on a car door.

Chase Sapphire Reserve Primary Rental Car Insurance

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Last Day: Get 5,000 Drop Points ($5) for Out and Out Readers!

Special Drop Offer for Out and Out Readers: 5,000 Point Sign-Up Bonus!

Just a quick reminder. Spencer from Straight to the Points set up a special promotion code for Out and Out readers for downloading the Drop app.

Get 5,000 Drop Points

Get early access to Drop!

You get:

  • Early access to the app
  • Higher earning rates if you sign-up today
  • 5,000 Drop points with promotion code “outandout” – worth a $5 gift certificate at tons of merchants

There’s also an ongoing offer to earn extra points with Plastiq. If you haven’t already, take a minute this Saturday and get $5 free for downloading!

After you link your banks, the points add up automatically. The only reason you’d want to interact with the app is to activate special offers and redeem your points.

There’s currently a waitlist for the public – but the promotion code above also gets you early access. It’s a pretty cool deal, so definitely take advantage if you haven’t already!

Boom

You can also search “earn with Drop” or “Drop loyalty” in your device’s app store to find the app. Follow the prompts and under the “Account” section under Settings, there’s a box that says, “Have a code?” Click it and enter “outandout” to activate your bonus. 👍🏻

Oh and if you can’t find the Plastiq offer listed under “Ongoing Offers” shoot Drop a quick email (inside the app) and ask them to add it for you. Other readers have had success that way.

Thank you for reading – hope you all have a good weekend! 😺

Need a Checking Account With NO Fees, Minimums, or ATM Charges EVER? Try These.

Also see: 

It’s been over 2 years since I first professed my love for the Fidelity Cash Management account. And about the same amount of time since I wrote about the Aspiration Summit account.

best no fee checking accounts

My love ❤️

Both are fantastic checking account options because there are no fees, no minimum balances, and no direct deposit requirements. Essentially they’re free to open and keep forever, even if you never use them. Even better, both accounts reimburse ATM fees from ANY ATM in the world. And neither account incurs a hard credit pull to open.

There are a couple of key differences to them, though. I’ll highlight what they are. But, bottom line, you should have at least one of these accounts – if not both!

1. Fidelity Cash Management Account

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Lower Plastiq Fees With Drop + 5,000 Drop Points for Out and Out Readers! 💸

Spencer from Straight to the Points is back to talk about a new Plastiq promotion… and an exclusive offer for Out and Out readers to earn 5,000 points with Drop! 

Update 9/25/17: The Plastiq offer from Drop may possibly be targeted. We are checking to see what we can do. If anything, you still get $5 just for downloading the Drop app with promotion code “outandout“!

Save on Plastiq Fees (Plus a Special Offer from Drop for Out and Out Readers)

A few months ago, Drop launched in the US to much fanfare in the miles and points world as the hot new shopping portal. You just needed to attach your credit or debit card (or cards) and shop as usual.

drop plastiq promotion

You can easily earn and redeem Drop points at lots of merchants

Redeem the points you earn for merchant gift cards like Hotels.com, Amazon, American Airlines, and Starbucks to help offset future expenses.

The launch was rough.  But Drop is starting to get a handle on the US market. Shortly after launching, they limited the number of points you could earn with their ongoing offers to 5,000 points per week. That definitely put the brakes on some people, but there are still one-time offers to help boost your rebates!

That brings us to today.

A New Drop Plastiq Promotion!

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Free Food for Atlanta / Dallas / SoCal: $20 Off $35+ in Groceries at Aldi (And $5 Off Booze Delivery for Everyone Else)

Saw a deal I couldn’t pass up – had to share!

If you’re in Atlanta, Dallas, or Southern California, see if these Instacart deals will work for you. You can get $20 off an order of $35+ with promotion code “ALDIDELIVERY” – that’s over half off your groceries!

instacart drizly

Irresistible! Even with the 10% service fee, I still saved over 50% on groceries

Instacart does add a service fee. But even with that considered, I still saved a heap on groceries. Can’t beat free food!

Plus, your first delivery is free!

Instacart $20 off details

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MoviePass + Theater Rewards Program = Heaven for Movie Lovers 🎬

My sordid MoviePass history

I had a MoviePass back when it first came out in… 2012? I was in New York at the time. And IIRC, it cost $30ish a month. But in New York, that was still a great deal… when it worked.

The service was glitchy AF. For one, you had to be within 100 yards of the theater to activate the card. That’s fine, except the GPS back then couldn’t locate me properly. Other times, I’d check in via the app but the card would be declined and I’d end up paying for the movie myself.

moviepass

It’s baaaack

If you have an issue, they say to “chat” them through the app – which simply is NOT practical when you’re standing in a line with a movie about to begin. Worse, if you call, they say to leave a voicemail. 🙄

A couple of times, I just went ahead and bought my ticket and asked for reimbursement later. But that was a days-long process that was tedious for something as small as a movie ticket.

The final straw was when – I remember it – I wanted to see Lincoln in Brooklyn. It was a cold winter day… Seriously, it was freezing. I got the GPS to work but had to go outside the theater in the gross snow.  Then the ticket machine inside kept declining the MoviePass card. So, on my phone, I brought up the theater’s mobile site and bought the ticket online. Somehow, the MoviePass worked.

But they knew. Like clockwork, the next morning, they told me my account was canceled. By that point I was so frustrated with the whole thing that…

…I said eff it!

And the whole thing left me feeling bitter.

A new MoviePass deal

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A Ray of Hope for Plastiq 3X With Citi AT&T Access More Card?

I just made my last round of rent, mortgage, and HOA payments through Plastiq with my Citi AT&T Access More card because Citi is removing those transactions from earning 3X starting next week.

But as I reviewed the transactions, I noticed they weren’t coding as rent like they had before. Instead, they’re coding as “Misc Government Services.” That gave me pause because of the language in Citi’s T&Cs:

Plastiq 3X With Citi AT&T Access More Card

Quoth Citi

But upon further review, I earned 3X in this very same category as early as this month. Which makes me wonder… will 3X live on for rent and mortgage payments with the Citi AT&T Access More card?

A history of Plastiq 3X With Citi AT&T Access More Card

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