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Get a Year + 3 Months of 0% Interest (Including $0 Balance Transfers!) With This Amex Card

0% APR intro offers are common, especially for purchases. And you can usually transfer a balance from another card – but you’ll pay fees in the form of a percentage of the amount you transfer. The more you transfer = higher fee.

So when I saw a deal for 15 months of 0% interest on purchases including NO fees on balance transfers, that caught my attention. Then I realized it was with an actually useful Amex card – with a decent welcome bonus. It’s the Amex EveryDay card – learn more here.

Offers like these aren’t as exciting as getting tens of thousands of bonus points. But they can give you a lot of breathing room – especially if you need to plan for a big purchase, or catch up to avoid paying hundreds in interest fees. In this case, for well over a year.

amex everyday balance transfer

I know I’m gonna need a new HVAC system – to the tune of $6,000 – in the next couple of years

I’ve taken advantage of similar offers in the past. And this one would be a great way to consolidate some balances. Especially if you’re over 5/24.

Amex EveryDay balance transfer offer

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Does Your Biz Spend $8,000+ a Month? Get 125,000 Points, $700+ in Credits, Lounge Access, Elite Status…

Update 8/9/18: This offer is no longer available. Please check here for the latest offers. 

Who’s never had the small business version of the Amex Platinum Card? *raises hand*

This card doesn’t count against your Chase 5/24 status. But I didn’t include it on my list of 7 best cards if you’re over 5/24 because:

  • It will only appeal to a small segment of people
  • The minimum spending requirement to earn the welcome offer is $25,000 (!) in the first 3 months of account opening

But there are several huge reasons to get this card, namely 100,000 Amex Membership Rewards points as a welcome bonus. Plus it comes with a long list of benefits – and the annual fee is only $450, a full $100 less than the personal versions! To get the deal, you must apply by August 8th, 2018 (about a month away!).

amex platinum business 100k

I always make sure to eat full meals and enjoy a couple free cocktails at Amex Centurion Lounges

The annual fee is NOT waived the 1st year. But man, if you make good use of the lounge access and annual statement credits… it’s a total GOAT.

Amex Platinum business 100K card offer

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7 Cards to Consider If You’re LOL/24 (No Chase on This List!)

There’s zero doubt Chase cards are the best to get first. Their products have high sign-up offers, excellent ongoing benefits, and strong category bonuses.

But… Chase shutdowns are increasing – even if you haven’t opened a Chase card in recent past. And, they have aspirations to use their 5/24 rule for ALL their cards. (Which is ridiculous, especially for the co-branded cards because you want people to actually get them, right?)

best cards over 5/24

I’ll have to accept this was the last Chase card I might ever get 🙁

I just earned 100,000 British Airways Avios points on the Chase British Airways card. But between shutdowns and 5/24… I might be done with Chase for a while.

I regret not ever having the Chase Freedom Unlimited for everyday non-bonus spending. Although with my current cards, I should be good for lots of Chase Ultimate Rewards with organic spending.

Anyhoo, I’ve been thinking of card options if you’re helplessly over 5/24, or just don’t want to mess with Chase any more.

Here are the 7 best!

Best cards over 5/24 and/or done with Chase

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Why I’m Switching Spend to SPG Cards the Next 2 Months (And a Useful Tip!)

Welp, the Marriott-Starwood merger looms nigh. On August 1st, 2018, we’ll all wake up and have a new program – with excellent deals through the end of 2018.

Also on that day is an event I’ve dubbed in my mind as “The Triplin’” – because everyone’s Starwood balance will increase by 3X!

So now’s the time to earn as much as possible to take advantage of redemption opportunities later this year.

spg card spending

Marriott’s award chart as of August 1st

In 2019, the new program will be dead to me. I’ve never liked Marriott hotels, and occasionally stay with Starwood. At that point, I’ll go back into my Hilton/Hyatt hole for as long as the water’s nice.

Ah, to be a fairweather traveler free agent.

5 months of great deals – under 2 months to earn with SPG card spending!

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This Month: Save 10+% on Shell & Exxon Gas With These Cards

There are a couple of good offers to save at the pump these next few weeks. I’ve been using them to fill up – and found it’s cheaper than buying gas at Costco, where I usually get gas in conjunction with a shopping trip.

You can get 5X Chase Ultimate Rewards points with Chase Pay with the Chase Freedom card (compare it here) on up to $1,500 in spending through June 30th, 2018 – and Shell is a Chase Pay merchant. Chase Freedom cardholders also get free Gold Status with Shell Fuel Rewards, which saves 6 cents per gallon through the end of 2018.

And Amex has an offer to get 10% cashback at Exxon through the end of November. Plus, when you pay through their Speedpass app, you can save 10 cents a gallon. And when you add your Amex card in the Dosh app, you’ll get another 2% cashback through July 10th, 2018.

save on gas

Combine apps and offers to save on Shell and Exxon gas

Either offer also gets you savings for most of 2018. And for the next few weeks, you can combine offers to save over 10% at Shell or Exxon.

Here’s how they work!

Stack credit card offers to save on gas

1. Chase Freedom + Chase Pay at Shell

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Like Discount Shopping? Save Big With These Sites – My 3 Faves

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As someone with 3 Airbnb properties, I buy a TON of home supplies: paper products, cleaning supplies, and linens. And I love Kohl’s for bedding, towels, and pillows.

But for regular stocking up, there are a couple discount shopping sites I turn to. I also wanted a share a site I discovered that’s pure fun slash addicting if you like to shop.

discount shopping

Do you use these sites to save? I’m obssessed

Here are 3 go-to sites for discount shopping.

Brandless

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My $100 Haul of Free Mercedes-Benz Gear (The Card With This Perk Is Going Away!)

I’ve been meaning to write about this year’s edition of $100 in free Mercedes-Benz stuff (last year’s haul is here). I still have my glasses and water bottle, but lost the coffee cup to the TSA gods at LaGuardia. :/ (I now use a HydroFlask to transport coffee to the airport.)

I dusted off my certificate and headed to my local Mercedes-Benz dealership.

amex mercedes benz certificate

Thanks for the free jacket, water bottle, and keychain, Amex!

I ended up getting a nice fleece-lined windbreaker worth $89, a water bottle, and a keychain. Total cost: $0!

You get one of these $100 certificates every year with the Amex Platinum Mercedes-Benz card. But, as I just found out from Nick at Frequent Miler, it’s going away in January 2019. If you’ve never had it, get it while you can!

This year’s $100 Amex Mercedes Benz Certificate

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

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 1X 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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Should You Dump Your Car If You Have Premium Card Travel Credits?

It occurred to me I only drive for a handful of reasons:

  • To go to the gym
  • To drop the dog off before I travel
  • Costco runs every ~6 weeks
  • To visit nearby places, like Fort Worth

Most of the time I walk or use Uber/Lyft. Because if I intend to drink, I don’t want to deal with parking (and possibly having to pay for it) or of course driving back unsafely. And I live so close to many of the places I frequent that I can walk.

I realized, surprisingly, there are lots of peeps in Dallas who don’t have cars. And I I was shocked by how extremely walkable certain parts of the city really are.

dump car uber lyft

Lookit all my Lyft credits

I’ve also been using the $325 travel credit from my US Bank Altitude Reserve card for Lyft rides lately (I prefer Lyft for many reasons). Then it hit me that I could subsidize $825 in Uber and Lyft rides thanks to travel credits of 3 of my premium cards. It got me thinking – are those credits enough to consider getting rid of my car?

$825 in Uber and Lyft rides from 3 cards

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Blue Business Plus Amex: New Card for Plastiq Payments?

Also see: 

I’ve come out of my slough of despair (kinda slash not really) following the news that Citi AT&T Access More cards won’t earn 3X on rent and mortgage payments starting July 22nd, 2017. And the Chase Sapphire Reserve trick stopped working, too – although I’ve heard you can still make payments with it for 1X (AKA it does NOT code as travel).

In the midst of all this, Amex came out with a brand new card: the Blue Business Plus (learn more here). And it holds some promise for payments with Plastiq. Of course, the numbers aren’t as good as they once were. But you can earn 2X on the first $50,000 spent per calendar year on the card.

Blue Business Plus Amex

Newest card

I got the card last week. And starting next month, it will be my go-to for Plastiq payments. Because I still want the points.

Here’s a look at how it works, by the numbers.

About the Blue Business Plus Amex

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Taking Stock: The 29 Credit Cards I Currently Have – and Why

Time for a credit card inventory. Over the years, my collection of credit cards has grown. I now have 29 credit cards to my name.

(I did have 30, but closed my Citi ThankYou Premier last week. Because the Chase Sapphire Reserve is better for the same 3X categories. And Citi is changing the Prestige and AT&T Access More cards next month – which is causing me to significantly rethink my relationship with them.)

Ah, but a small sample of the 29 cards I currently hold

And, I’m paying annual fees on many of my cards. So I thought I’d put the complete list together to take stock of what I have – and what I’m getting in return. I’ll write a little snippet for each card, but will try to keep it brief. 29 cards is a lot!

Let’s jump right in.

Amex

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Update: My Credit Score Is Recovering After Disputes With All 3 Bureaus

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Well, it’s been nearly a year since a $6 charge from Dollar Shave Club on an Amex card plunged my credit score over 100 points.

At the time, my credit score was 803 – the first time I’d ever gone over 800. I know it doesn’t intrinsically “matter,” because a score over 750 is as good as it gets. But I did have some pride at earning an above-800 score.

So I was pretty horrified when one stupid error brought me down to ~700. All the work I’d done to build my credit was instantly erased. And, Amex was totally clueless, unhelpful, and actually prolonged the repair process by saying they’d corrected it on their end when in actuality they hadn’t done anything.

I dragged my feet on filing a dispute with the 3 major credit bureaus because I knew it would be a slog – and it was. No sugar-coating that ish.

 

credit score recovery

Only 13 points to go before I get to 800 again

But, as of last month, my score is now above 780 across the board!

It’s not over 800 yet – I doubt that will happen any time soon – but I am happy my score is recovering. Here’s how it went down.

The long, long dispute process

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