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Tag Archives for promos.

Why I Got a 0% APR Card to Help Pay Down Debt

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Welp, I finally did it. Got a new credit card to help pay down my student loans.

It’s an idea I floated before. But I didn’t bite because there have always been other cards I wanted instead. Plus, I like to save or invest money instead of throwing it toward student loans.

0 apr credit cards

I hate their name. I hate how their logo has an apple in it. I hate everything about it pretty much

I’m constantly torn about taking a solid year to get rid of it, then I think… man, I could invest that. Or pay down my mortgage. Or just have it.

Ultimately, I think a hybrid approach is best: break everything down into buckets and work on each one a little at a time. Save a little, invest a little, use the rest for bills.

But I’ve decided to give myself a head start on the student loan bucket. Here’s why.

Lower principal means less interest

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Get $25 With New Accounts at Giving Assistant, Ebates, and BeFrugal Shopping Portals

When you shop online, always always click through a shopping portal to earn extra points, miles, or cashback.

I personally use Cashback Monitor to find the best payouts before I shop anywhere.

shopping portal bonus

Da best

I usually like to earn Alaska miles or Chase Ultimate Rewards points for online shopping. But occasionally, cashback offers are simply too good to pass up.

And competition is fierce. So much that they’ll sometimes give you free money to sign up and use their portals.

BeFrugal is a new one for me

BeFrugal is a new one for me

I thought I’d round up 3 cashback portals where the initial bonus might be worthwhile for a little shopping. And tell you what’s required to get the bonus AKA the cash in your hot little hand.

Note: I get cashback when you sign up for these portals, too. Thank you for using my links!

Get a shopping portal bonus

These bonuses are for NEW sign ups. If you’re an old-timer to points and miles, you likely already have accounts with all of these portals. In that case, check out my backlog of Every Single Out and Out post! 😉

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I’m Over Cashback Cards and Into Starwood Points

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There, I said it.

In 2013, I famously said (typed), “I don’t care about Starpoints.” At the time, my grievances were:

  • 1 point per $1 spent was too low of an earn rate
  • You have to spend so much to earn a meaningful reward
  • The earn rate with other hotel programs is better, so why bother with Starwood?
Starwood Points vs cashback

I like you now and I’ll be sad when you leave

But a lot has changed since then. The merger with Marriott opened a few cool new opportunities, like:

Nothing's fine I'm torn

Nothing’s fine I’m torn

And, I’ve been putting a non-bonused spend on my Amex Starwood card, to the chagrin of my previously beloved Fidelity Visa. (Although I still use the mess out of my Discover it card cuz I want that sweet Dublin!)

In fact, I think I’m…. over cashback cards. For now, at least.

Drinking the Starpoints Kool-Aid

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It’s Back: 35,000 Points With Both Amex Starwood Cards

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Well would ya lookit that. I wasn’t expecting to *ever* see a limited-time offer on the Amex Starwood cards again. But now, you can earn 35,000 Starwood points on the personal and small business cards after meeting tiered minimum spending requirements through April 5th, 2017.

spg amex 35000

It’s back, like a heart attack

Marriott has agreed to leave SPG alone until 2018, but then get ready for a butchering. Realistically, Marriott has no incentive to keep the program as it currently is. But, I’m pleased Amex is giving peeps one more stab at this terrific offer.

I broke the seal with the business version of the card last time this offer came ’round in March 2016. Before it ended, I had both versions.

Little did I know I’d hoard the points like a squirrel or ferret until such a time as I’d use them for a Southwest Companion Pass. The hammer drops on that method on March 31st, 2017. But if you applied like *now* and met the minimum spending in short order before the statement closes, you could probably squeak by.

The huge caveat is the bonus on both cards is once per person, per lifetime (AKA 7 years). But if you’ve never had it… I highly doubt this offer will ever come back.

The short

Highest-ever offer returns. If you’ve never had the card, this is probably your last chance to get it.

The long

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Join Me at FinCon 2017 in Dallas with Limited-Time $249 Passes

I read a lot of personal finance blogs. Increasingly, they mention “travel hacking” AKA what we do on the daily as a way to travel cheap.

And it’s true – I see the parallels between the 2 niches. Especially if you’re using the money you save on traveling and put it in a retirement account. WHICH YOU ALREADY DO, RIGHT? 😉

So when I learned FinCon will be in Dallas this year, I couldn’t think of a single reason not to attend – expect for maybe the cost of the pass.

When I looked, I saw the basic passes were only $249 until February 14th, 2017. Then they’d go up to $469.

Be a Super Early Bird and Come to FinCon for $249

Be a Super Early Bird and Come to FinCon for $249

I whipped out my card faster than you can say “points and miles” and bought a pass without a second thought. And you should come, too!

Why attend FinCon?

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Kohl’s Deal Results: What I Learned & How It Turned Out

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A few times per year, Kohl’s sells small kitchen appliances at a steep discount. With card category bonuses, shopping portals, promo codes, and rebates, it works out to better than free – especially if you can resell them. It’s the ultimate in deal stacking.

I ordered 40 appliances. (Do I sound crazy yet?)

kohl's deal results

“What have I gotten myself into now?”

While I’d love to say the whole thing went off without a hitch, that’s not exactly true. Here’s what I learned about stacking. And how it all turned out.

Stacking is like jenga

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Are Checking Account Bonuses the New Credit Card Sign-Up Bonus?

I opened 3 new checking accounts last week. And will earn a total bonus of $900 after making the required number of transactions and/or direct deposits.

That’s a super easy way to make $900. And I didn’t even have a credit pull.

checking account bonuses

Boom

I have around 30 credit cards. And currently can’t get most Chase, Citi, or Amex cards because:

  • Chase has 5/24
  • Citi limits to “family of brands” every 24 months when you open OR close an account
  • Amex has the once per lifetime (AKA every ~7 years) rule

I’m not interested in any Barclaycards. Or US Bank cards. And I can’t get more Discover cards (limit 2).

I’m really only dealing with Bank of America these days for Alaska miles from credit card sign-up bonuses. Except for when there’s an odd offer here or there.

So, scraping the bottom of the barrel. But it’s not so bad down here! I’ve been following more checking account bonuses recently – a new world indeed.

How I got $900 in a week from checking account bonuses

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Everyone Can Get Free Kindle eBooks From IHG App

Greetings, earthlings. No idea if this has been mentioned on other blogs or not.

I found a cool deal while tooling around on the IHG app.

ihg kindle offer

Free Kindle eBooks – thanks, IHG!

Anyone can download the app and access free Kindle eBooks. You get more free eBooks throughout the year for having status with IHG.

Here are the deets!

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Refer 3 Friends to Ebates and Earn $75 (Share Your Links!)

I’m a huge proponent of shopping online through portals – you literally get free extra airline miles, hotel points, or cashback for clicking a link. It couldn’t be simpler.

I always check Cashback Monitor before buying anything online. And lots of stuff earns points or cashback that you wouldn’t expect:

ebates

I got Alaska miles for filing a DBA through LegalZoom

And I plan to file taxes myself this year through H&R Block. I was surprised to see I could get 19 Avios per $1. My taxes this year will be about $60, so that will net me a free 1,140 British Airways Avios points for something I was planning to do anyway.

Get 20% cashback or 19 Avios per $1 at H&R Block

Get 20% cashback or 19 Avios per $1 at H&R Block

None of the amounts are staggering individually, but it’s easy to see how it could add up over the course of a year – or even a few months if you shop a lot online.

a

Get $75 free bucks from Ebates

And Ebates has a promotion through March 31st, 2017 where you can earn $75 for referring 3 new sign-ups who make a $25 purchase.

About Ebates and cashback portals

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50% Off at Boxed for New Accounts + Amex Offer

Hope you’re having a wonderful holiday. Here’s a good deal alert!

NEW Boxed users can get ~$67 worth of stuff for ~$31 by stacking a new account bonus, cash reward, Amex Offer, and clicking through a shopping portal. The discount works out to be slightly above 50%, assuming you can hit the target right around $67.

50% off at boxed

Stock up on household basics with over half off

I love a good stack! But keep in mind the math only works for new accounts. So you can either make a new account. Or just use the Amex Offer with a portal bonus and still do well.

Stack to get 50% off at Boxed

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4 Free Nights in the Bahamas, Thanks to FoundersCard!

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The (good) hits just keep on coming! (I wrote about a free private jet flight from FoundersCard yesterday).

I got free Caesars Diamond elite status this year from FoundersCard, which comes with a ton of benefits, including:

  • Diamond lounge access
  • No resort fees at Caesars properties
  • $100 celebration dinner
  • Priority lines everywhere

Because of this, I’ve been thinking about a weekend trip to Las Vegas.

Up next: 4 free nights in the Bahamas!

Up next: 4 free nights in the Bahamas!

Another benefit of Caesars Diamond status is 4 free nights at the Atlantis Resort in the Bahamas (part of the Marriott Autograph Collection).

Well, I just called to book it – and it went off without a hitch!

I used British Airways Avios points for flights there. And American miles for flights back. Total cost of ~$214 for round-trip coach flights for 2 from Dallas to Nassau. But the whole experience is worth nearly $2,600.

That includes 4 free nights from Caesars Diamond status – courtesy of FoundersCard. I’m so stoked!

About the 4 free nights

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Cool! FoundersCard Members Get a Free Private Jet Flight With JetSmarter

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It’s no secret I love my FoundersCard membership. It’s not for everyone, but I’ve gotten outsized value from it. And continue to be impressed by their offerings, like free Diamond elite status with Caesar’s among a ton of other travel benefits.

There’s a fun new promotion for a free seat on a private jet through JetSmarter.

I was a smidge jealous when I saw fellow blogger Angelina scored a free seat. But now I may be joining her ranks!

free private jet flight

The deets are buried in the fine print. But it works!

Now FoundersCard has a deal where members can get a free 3-month JetSmarter membership. And as part of that, a free JetDeals flight. It’s only a one-way flight, so you’ll have to find another way home.

But considering these tickets can be pricey, not to mention an awesome and unique experience, this is yet another innovative FoundersCard perk.

And depending on where you depart, this benefit alone can totally cover the $395 a year membership cost.

The JetSmarter benefit

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