Discover is offering their credit card and banking customers another free service called Online Privacy Protection (press release). Essentially, it automatically submits opt-out requests at 10 selected “people search sites”. These are creepy websites that scrape your personal information from many different publicly-available databases and then makes money by selling access. I wrote about these invasive sites previously and you may be surprised at how much information about you is floating around out there – age, current and past addresses, phone numbers, and the names of your parents, siblings, children, cousins, and in-laws. Once catch is that you must access this feature via the Discover app. They are still rolling it out, so it may not be available to everyone yet. I used the … [Read More...]

Mastercard Free ID Theft Protection and Credit Monitoring
Update April 2022: Just a quick update that this has been a useful, additional free identity theft protection service. Today, I electronically signed some “power of attorney”-type papers through Docusign and they had me answer some identity verification questions like “which address have you been associated with?” that pulled from my credit reports and driver’s license data. Immediately, I got the following alert from Mastercard Identity Protection that even included the exact questions asked: Previously, this service has also alerted me that my personal information like name/email have been found in data breaches from random websites like autoexpresscars.com and drivesure.com. These are all events that did not trigger any alerts from my other credit bureau-based monitoring services. Therefore, I … [Read More...]
Top 10 Best Credit Card Bonus Offers – April 2022 (Updated)
Updated and checked April 2022. That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. We participate in various financial offers for thousands of dollars in extra income (over $5,000 in 2021). These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes: Added Sapphire 80k, Marriott 3 Free Nights, United 70k, IHG 120k no AF, Aeroplan 100k, AmEx Platinum. Removed Delta 70k, Southwest Easy Companion Pass, Hilton 130k+Free Night, IHG 125k+Free Night, AA Red (drop to 50k), JetBlue 70k, Wyndham 90k. This is … [Read More...]
Chase IHG Rewards Club Traveler Card Review: 120,000 Points Limited-Time Offer, No Annual Fee
New limited-time offer boost. The Chase IHG Rewards Club Traveler card is the IHG hotel card that includes special IHG perks but with no annual fee. Right now, there is a limited-time 120k offer that is much larger than the previous 60k and 80k point bonuses. Here are the highlights: 120,000 bonus IHG points after $2,000 in purchases within the first 3 months. Earn 15X points total per $1 spent when you stay at an IHG hotel. Earn 2X points at gas stations, grocery stores, and restaurants and 1 point per $1 on all other purchases. No foreign transaction fees. Fourth Reward Night Free when you redeem points for any 4+ night stay. No annual fee. Note the following: This product is not available to either (i) current … [Read More...]
PFS Buyers Club: New US Mint Coin Arbitrage Opportunity ($250+ Net Profit, March 2022)
New deal March 17th, 2022. The US Mint regularly releases limited-edition coins to collectors. The coin sets are often limited to one per household, but end up with a market value greater than the initial cost. PFS Buyers Club is a website broker that recruits regular folks to buy their allotted coin set with a set markup amount, with the agreement that they will sell only to PFS Buyers Club. For example, you might pay $300 for a coin and they’ll agree to pay you $350 for it – a fixed profit of $50. On Thursday, March 17th at 12:00 pm Noon Eastern Time, there is a new guaranteed profit opportunity. A limited edition American Eagle Four-Coin Set will be released then, with a purchase limit… [Read More...]
Top 10 Best Small Business Credit Card Bonus Offers – March 2022
Updated March 2022. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. 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. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes: Added Delta 75k, Southwest 80k, JetBlue 70k, CapOne $3,000, Hilton 130k+Free Night, Amex Blue Cash $500, Amex Platinum 120k. Removed Wyndham 90k, AA 80k. This is a companion post to my Top 10 Best Credit Card … [Read More...]
Delta SkyMiles American Express Cards – Limited-Time Welcome Offers
Updated with improved offers. Delta Airlines American Express cards offer various special perks like free checked bags, priority boarding, and the ability to earn Delta Skymiles with card purchases. As you can only get the welcome offers once on each of these cards per person per lifetime (each card is considered different), I recommend waiting until a limited-time offer to maximize your benefit. Here are the current offers: Delta SkyMiles® Gold American Express Card 70,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months. Plus, earn up to $50 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership. $100 Delta flight credit after $10,000 in purchases on your card in … [Read More...]
Amazon: Pay with Discover Card Points, Get $10 off $50 or 30%/$40 Off (Targeted)
Check to see if eligible again for this new round. If you have a Discover card with cash back rewards, you can redeem them to buy eligible items at Amazon.com. The redemption rate is $1 in Cash Back Bonus = $1 to spend at Amazon, which is the same rate as their statement credit redemptions. Check each of these targeted promotions and activate for an additional discount for redeeming a single penny’s worth of points. (To see the link, you may need to visit this page on the internet if viewing this via e-mail or RSS.) Get $10 off $50 or 30%/40% Off (max cap applies), valid on items shipped and sold by Amazon. Must redeem at least $0.01 in Discover cash … [Read More...]
Top 10 Best Small Business Credit Card Bonus Offers – January 2022
Updated January 2022. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. 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. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes: Added United Biz 150k, Amex Blue Cash $500, Amex Platinum 120k. Removed JetBlue 70k, Wyndham 90k, AA 80k. This is a companion post to my Top 10 Best Credit Card Bonus Offers for personal cards. Notice … [Read More...]
5% Cash Back Cards: Grocery Stores, eBay, Fitness Clubs, Amazon – January through March 2022
Activation reminder for 2022 First Quarter. 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 at places with 5% back now but spend the gift cards later. (* Reminder that you can buy gift cards from lots of places at grocery stores…) New cardmembers may also get an upfront sign-up bonus. Chase Freedom Flex Card From January 1st through March 31st, 2022, you can earn 5% cash back on up to $1,500 spent in the following categories: Grocery Stores (not including Walmart and Target). eBay (The categories are … [Read More...]
MMB Project Free IRA 2021: $5,592 in Bonuses, $2500+ in Extra Interest
2021 end-of-year update. I have an informal goal each year of earning the equivalent of the maximum annual IRA contribution limit of $6,000 using the profits from various promotions alone. If you had put $6,000 into your IRA every year for the last 10 years (2011-2020) and invested in a simple Target Date retirement fund, you would have turned small deals into a $100,000+ nest egg. Example. I was recently approved for the new Capital One Venture X card, and I was hoping the $1,000+ value would put me over the $6,000 threshold. I’m very confident that I’ll get at least $1,000 out of this card, as (1) we have multiple upcoming trips planned, (2) are renewing Global Entry for… [Read More...]
American Express Blue Business Cash Card: 2% Cash Back on First $50k in Purchases, No Annual Fee, $500 Referral Offer
$500 referral offer. The American Express Blue Business Cash Card is a small business rewards card that earns a solid cash back rate with no complicated categories. Right now, you can earn an increased $500 welcome offer using my referral link, which is great for a “keeper” business card. Here the highlights: New welcome offer worth up to $500 total. Earn a $250 Statement Credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. 2% flat cash back on the first $50,000 in purchases each year. 1X Points on purchases… [Read More...]
Top 10 Best Credit Card Bonus Offers – November 2021 (Updated)
Updated November 2021. That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. We do this multiple times a year for thousands of dollars in extra income. These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes: Added Venture X 100k, Southwest 100k, Hawaiian 80k, Delta 70k, IHG 150k. Removed Wyndam 90k, United Quest 100k, JetBlue 60k, Hyatt 50k, United 70k. This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than … [Read More...]
Finally Time to Start Redeeming Miles and Points Again!
It’s been a while since I’ve redeemed any airline miles or hotel points, so I’m excited to start doing so again. We still had thousands of dollars in airline credit balances from early 2020, and I just booked a flight and two hotel nights in Vancouver, Canada. This also gave me an opportunity to check out the current value of some of my currency. I have to work around school schedules so it’s hard to fully maximize the value of every point. The cash price for a junior suite during Spring Break at the Hilton Vancouver Airport for our family of 5 was CAD $343, which is US $$277 per night. The same room with the same cancellation policy costs 50,000 Hilton Honors points per night… [Read More...]
American Express Business Platinum Card Review: 120,000 Bonus Points, $400 Dell Credit, $120 Cell Phone Credit, $200 Airline Fee Credit
(Update: This card has been updated with new statement credits, an improved welcome offer, and the announcement that the annual fee will increase to $595 to $695 for applications received on or after 1/13/2022. Consider applying for this card while the annual fee is $100 less but the new perks are already in place.) The Business Platinum® Card from American Express is the ultra-premium AmEx business card with a very long list of new perks and statement credits. You also get the best airline lounge access program (Delta Sky Club + their own Centurion lounges) and an improved welcome offer. I’ve tried to keep it brief, but there is a lot to cover: 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with your… [Read More...]
5% Cash Back Cards: Walmart, PayPal, Amazon.com, Target.com – October through December 2021
Activation reminder for 4th Quarter 2021. 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 at places with 5% back now but spend the gift cards later. New cardmembers may also get an upfront sign-up bonus. Chase Freedom Flex Card From October 1st through December 31st, 2021 you can earn 5% cash back on up to $1,500 spent in the following categories: Walmart including Walmart Discount Stores, SuperCenters, Neighborhood Markets, Walmart.com, Walmart branded gas stations operated by Walmart, and Walmart Pay. PayPal purchases paid using your Freedom Flex. … [Read More...]
Marriott Bonvoy Business American Express Card Review: 125,000 Points + 2 Free Nights (100k total value) Limited-Time Offer
New limited-time offer. The Marriott Bonvoy Business American Express Card is the co-branded business credit card of the Marriott Bonvoy program (formed after the merger of Marriott Rewards and Starwood Preferred Guest). This card offers unique perks for Marriott customers. Right now, there is a new limited-time offer: Here are the highlights: Limited Time Offer: Earn 125,000 Marriott Bonvoy bonus points & 2 bonus Free Night Awards after you use your new Card to make $5,000 in eligible purchases within the first 3 months. Each bonus Free Night Award has a redemption level up to 50K points. Certain hotels have resort fees. Offer ends 11/3/2021. 6X points at hotels participating in the Marriott Bonvoy(TM) program. 4X points at U.S. restaurants, U.S. gas stations, U.S. purchases… [Read More...]
PFS Buyers Club: New US Mint Coin Deal on 9/13 ($100+ Net Profit, September 2021)
Another new coin deal on Monday, September 13th, 2021. PFS Buyers Club has another coin deal on a limited-edition American Eagle 2021 One Ounce Silver Reverse Proof Two-Coin Set Designer Edition. They will pay you a guaranteed fixed profit of $100.05 plus any credit card rewards. See details below. On September 13th – at 12:00PM ET the US Mint will release the limited edition American Eagle 2021 One Ounce Silver Reverse Proof Two-Coin Set Designer Edition. There is a purchase limit of 1 Set per household, so you’re able to buy 1 Set. The cost of each American Silver Eagle Two-Coin Set is $175.00. After including the $4.95 shipping charge, each order’s total will be $179.95 You will have the box shipped to your own house or… [Read More...]
American Express Membership Rewards: Airline and Hotel Points Transfer Bonuses, Up to 40%
If you have collected a nice stash of Membership Rewards (MR) points from American Express, you may want to log into your account and check out the many new transfer bonuses available to their airline and hotel partners. Waiting for one of these limited-time transfer promotions is a good way to maximize the value of your AmEx MR points. Note that these transfers are not reversible. Some offers expire September 30th, while others are marked October 31st. Airlines British Airways: 40% Bonus. 1,000 MR points = 1,400 Avios. Hawaiian Airlines: 25% Bonus. 1,000 MR points = 1,300 Virgin points. Aer Lingus: 40% Bonus. 1,000 MR points = 1,400 Avios. Iberia: 40% Bonus. 1,000 MR points = 1,400 Avios. Air Canada: 20% Bonus. 1,000 MR points = 1,200 Aeroplan points. Aeromexico: 25% Bonus. 1,000 MR points = 2,000 Premier… [Read More...]
Top 10 Best Credit Card Bonus Offers – August 2021 (Updated)
Updated. That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. We do this multiple times a year for thousands of dollars in extra income. These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes: Added Hilton 100k+$100 no annual fee, Citi Premier 80k, Platinum 100k, Sapphire 100k, IHG 150k. Removed Delta 70k+200, Southwest 65k, CapOne 100k, JetBlue 60k, Hyatt 50k, United 70k, Freedom Flex Grocery offer, Barclays AA, Marriott 5 Free Nights. This is a companion post to my Top 10 Best … [Read More...]
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