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The Ultimate Cryptocurrency Trading Course for Beginners | Jegatheesh | Tamil | 2023 தமிழில்

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The Ultimate Cryptocurrency Trading Course for Beginners | Jegatheesh | Tamil | 2023 தமிழில்



📌Jagatheesh technical full playlist▶️:

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The Ultimate Cryptocurrency Trading Course for Beginners | Jegatheesh | Tamil | 2023 தமிழில்

📌 Disclaimer
In this and all other videos, I share my personal experiences and opinions in a straightforward and approachable manner. There is no financial advice here, and I am not a certified financial advisor. I’m just trying to explain the procedure in simple terms.
My opinions are not recommendations; always research before making any financial purchase or investment.
If you require financial advice, please consult a professional financial advisor. The information presented in this video is solely for educational purposes.
I will not send you any private messages; all of my social media links are available on my About page, and I do not have any other social media accounts in my name.

வணக்கம், இந்த வீடியோவில் உங்களுக்கு பயனுள்ள ஒரு விடயத்தை தெரிந்து கொண்டிருப்பீர்கள் என்று நம்புகிறேன், உங்களுக்கு இந்த வீடியோ பிடித்திருந்தால் உங்கள் நண்பரகளுடன் ஷேர் செய்யவும் , லைக் செய்யவும் , உங்கள் கருத்துக்களை பதிவிடவும்.நன்றி

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crypto trading for beginners, Learn Crypto Trading | How to Trade in Bitcoin & Crypto Derivatives Tutorial, How To Start DAY TRADING – Becoming A Crypto Trader IN 30 DAYS, Simple Method To Make $100 A Day Trading Cryptocurrency As A Beginner | Binance Tutorial Guide,

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New Graduate School Loan Limits Start July 1: What Students Need to Know

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New Graduate School Loan Limits Start July 1: What Students Need to Know


Key Points

  • Starting July 1, 2026, the federal Grad PLUS program closes to new borrowers, and graduate borrowing is capped at $20,500 a year and $100,000 total. Professional students, such as future doctors, dentists, and lawyers, can borrow $50,000 a year and $200,000 total.
  • A new overall federal borrowing ceiling of $257,500, which includes undergraduate debt, means many students will reach a hard limit that federal aid alone won’t cover.
  • Private student loans, including Abe® can help close the gap between the federal caps and the real cost of a graduate or professional degree.

The way students pay for graduate school is about to change. Starting July 1, 2026, the federal government will stop offering Grad PLUS loans to new borrowers and will set new caps on how much graduate and professional students can borrow each year. For people heading into master’s, doctoral, medical, dental, and law programs, federal aid will no longer stretch to cover the full price of a degree.

In partnership with Monogram LLC, which created Abe® student loans, let’s break down what’s changing and how graduate students can plan for the gap. Get a quote here >> 

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We’ll email this article to you, so you can come back to it later!

What’s Ending: The Grad PLUS Loan

Until now, the federal Grad PLUS loan let graduate and professional students borrow up to the full cost of attendance, no matter how expensive the program. Beginning July 1, 2026, that program closes to new borrowers under the One Big Beautiful Bill Act (OBBBA).

However, there is a transition rule. If you already borrowed a Grad PLUS loan before July 1, 2026, and you stay continuously enrolled in your program, you can keep using Grad PLUS for up to three more years or until you finish your program, whichever comes first. 

Students who start fresh after that date will not have access to the program at all.

The New Borrowing Caps

In place of unlimited Grad PLUS borrowing, the law sets annual and lifetime limits on the federal unsubsidized loans graduate and professional students can take out:

Borrower Type

Annual Limit

Lifetime Limit

Graduate degree

(master’s, doctoral)

$20,500

$100,000

Professional degree

(medicine, law, and similar)

$50,000

$200,000

Overall federal cap

(includes undergraduate debt)
Cell

$257,500

For perspective, the previous lifetime limit for graduate and professional borrowing was $138,500. The new structure raises the ceiling for some professional programs but removes the safety valve that Grad PLUS provided when a degree cost more than the cap allowed. 

Part-time students will see their limits reduced in proportion to their enrollment.

What This Means for Your Family

The household impact lands hardest on students in high-cost programs. Many medical and dental schools carry a total cost of attendance well above $200,000, and four years at a private medical school can exceed $300,000 once living expenses are included. 

A professional student who reaches the $200,000 federal lifetime limit could still face a meaningful shortfall, and a graduate student capped at $100,000 may run out of federal aid before the second year of a pricey program.

Families now have to plan earlier. That means comparing program costs against the federal caps before enrolling, building any savings or assistantship income into the budget, and knowing in advance how a funding gap will be covered. The era of borrowing the full cost from the government in one place is over for new students.

Where Private Loans Fit In

Once federal options are maxed out, a private student loan is the main way to bridge the difference. Abe® is built for exactly this situation, offering private student loans for graduate and professional students who need more than the new federal caps allow. In fact, Abe’s loan limits recently increased in order to help many borrowers affected by the Grad PLUS phaseout to continue their educational journey. Borrowers can compare fixed and variable rate options and apply with a creditworthy cosigner to strengthen the application. 

Because private loan terms vary by lender and by borrower credit, look at the interest rate, repayment options while in school, and any fees before signing.

Compare your graduate borrowing options with Abe®. Get a quote here >>. Also,  check out Abe’s Graduate Scholarship Sweepstakes, open for entries until July 31, 2026. One lucky winner will receive $5,000 ‡ for educational expenses. Click this link to enter and see the sweepstakes rules here.

Action Steps

  1. Confirm whether you are grandfathered. If you borrowed Grad PLUS before July 1, 2026, and stay enrolled, you may keep limited access for up to three years.
  2. Add up your full program cost and subtract the new federal caps to see your likely gap.
  3. Maximize federal unsubsidized loans first, then assistantships, scholarships, and savings.
  4. Borrow only what you need, and check the repayment terms that apply while you are still in school.
  5. Check out Abe® to see how private student loans can fit in.

Don’t Miss These Other Stories:

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10 Best Private Student Loan Lenders For College

10 Best Private Student Loan Lenders For College
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Options If You Can’t Afford College Due To Not Enough Financial Aid

Options If You Can’t Afford College Due To Not Enough Financial Aid
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Abe Student Loans Review: Pros And Cons

Abe Student Loans Review: Pros And Cons

Disclosures

‡ NO PURCHASE NECESSARY. Open to legal residents of the 50 U.S./D.C., age 18+ who are currently a student or parent of a student enrolled in a graduate program at an Eligible Institution. Void where prohibited. Ends 07/31/26. Click for Official Rules.

Editor: Colin Graves

The post New Graduate School Loan Limits Start July 1: What Students Need to Know appeared first on The College Investor.

Old Chase Ink Cards Will No Longer Earn 5X at Office Supply Stores?

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Old Chase Ink Cards Will No Longer Earn 5X at Office Supply Stores?


Old Chase Ink Cards Losing 5X?

Some Chase Ink Plus cardholders recently received an updated benefits email that listed 5X points on shipping and internet/cable/phone services, but did not mention office supply stores as part of the 5X category. That omission could be an error of it could mean that 5X at office supply stores is going away.

The email mentions that “Starting October 1, 2026, your Ultimate Rewards® points will transfer to World of Hyatt® at a rate of 4:3. That means if you transfer 1,000 Ultimate Rewards® points, you will get 750 World of Hyatt points.” It then lists the card’s earning potential:

 

The good thing is that once you log in, there’s no mention in the account that anything is changing.

When you click “Learn More”, everything still looks business as usual:

For those unfamiliar, the Ink Plus has a $95 annual fee and earns 5X points at office supply stores on up to $50,000 in combined purchases per cardmember year, in addition to cable services, wireless and landline phone services. Chase Ink Cash also gets 5X at office supply stores, but only up to $25,000 in combined purchases per cardmember year.

But obviously, the office supply stores category is the most popular as it includes stores like Staples and Office Depot.

Guru’s Wrap-up

The Ink Plus card has not been available for new applications for year, but it remains one of the most powerful cards for earning Chase Ultima Rewards. If you’re buying gift cards anyway, earning 5X points at office supply stores is one of the easiest ways to supercharge your balance. Hopefully that it not changing.

I have reached out to Chase for comment, and I will update the article with any relevant information.

HT: MTM

Eclipse aims to fill lending gap with no-fee Access+ mortgage

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Eclipse aims to fill lending gap with no-fee Access+ mortgage




The no-fee, one-year product offers contract-rate qualification, a 40-year amortization and more flexibility for complex borrower files.

When ‘Bring Your Whole Self to Work’ Is Bad Advice for Your Startup

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When ‘Bring Your Whole Self to Work’ Is Bad Advice for Your Startup



Somewhere along the way, the idea curdled into something simpler and less true: that more disclosure is always better.

How Mergers Impact New Hampshire Customerss

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How Mergers Impact New Hampshire Customerss


Contents:

On the surface, bank mergers might seem like an expansion of financial services to communities. The reality is it’s not as beneficial as it may seem.

Today’s economic landscape is driven by profits, growth, and market share, both global and local. From AI technology, oil and energy, to utilities and local financial institutions, everywhere you look smaller businesses are being merged into global powerhouses.

bigger banking isnt always better

But that doesn’t mean progress. In some cases, it can lead to higher consumer costs, destabilization of regulations, and a negative impact on the customer experience.

That’s why local banks like Union Bank are more important than ever when it comes to financial services. For over 130 years, Union Bank has worked with local folks in Vermont and New Hampshire to understand their lives and financial needs.

The Hidden Risk of Bank Mergers

Before we dive into details, let’s take a look at what a merger really means, and how it differs from an acquisition.

big bank mergers can cause longer waits

A merger is when two companies create a single, new company that leverage combined assets and liabilities. An acquisition is when one company (typically a larger company) takes over either all or part of an existing company’s assets and liabilities. Many times, the acquired company becomes a subsidiary by retaining its brand but follows the larger companies’ business model.

In terms of financial institutions, the end result of either a merger or acquisition are typically the same:

  • Customer service disruptions
  • Impact on products and fees
  • Decline in personalized experience
  • Potential exposure to corruption

Customer Service Disruptions

During any merger there is a transition period where technology, processes, and control platforms are consolidated to reduce redundancy within the bank.

bank mergers cause unwanted change

While the banks may see this as critical to growth, it can result in service disruptions on mobile apps, delays in common transactions that can leave customers without access to their funds, and higher wait times for a customer service representative.

 Impact on Products and Fees

Having a consistent and reliable experience with financial products like checking accounts and understanding fees are important to all customers.

You don’t want to suddenly see increases in fees on products you’ve used for years, or even worse have free checking accounts now require a monthly fee. There have been noted cases where after a merger certain accounts or products are discontinued or closed, leaving customers in the dark and potentially losing money.

Decline in Personalized Service

A recent study over 20 years of bank merger trends in Northeast showed that for every merger there has been an average of 8.7 bank branch closings.  That means customers that relied on their local brank for everyday banking are left without options or need move to another local bank.

In addition, when branches close after a merger it impacts involvement in the local community. Many local banks sponsor fundraising events, contribute capital to energize local business, and provide financial literacy education.

Potential Exposure to Corruption and Unfair Practices

While corruption might not be at the top of the average bank customer’s mind, it can have a tremendous impact and disruption to their banking experience.

Recent examples include a large credit union being fined $95 million for unfair practices of overdraft fees, and the most significant example is a $3 billion fine for anti-money laundering that led to store closures.

Many times, after mergers criminal organizations will take advantage of inconsistent regulation practices that can tarnish a bank’s brand leading to customer distrust.

Stability in Banks Leads to Confidence

Local banks with years of experience like Union Bank offer customers stability and predictability with key factors that help build customer confidence.

The Power of Local Banks

Just because a bank doesn’t have a flashy logo, expensive commercials, or sponsor major entertainment events, it doesn’t mean they are offering less than the big banks. In fact, local banks have a bigger impact on the nation’s economy than you think.

The Independent Community Bankers of America (ICBA) compiled some key statistics about how important the longevity and stability of local banks have on the economy.

  • Represent $4.0 trillion in consumer, small business and agricultural loans
  • Have nearly 45,000 locations nationwide
  • Employ nearly 700,000 people
  • Make roughly 60% of U.S. small-business loans under $1 million and 80% of banking industry agriculture loans
  • Are the only physical banking presence in one in three U.S. counties

Comfort in Predictability

Because local banks don’t rely on a large parent company dictating fees, changing application processes at any time, or removing a product without notice, customers can rely on predicable financial services.

This is most important when planning budgets; no hidden or new fees or sudden changes in rates means you can confidently allocate and save your hard earned money.

Straightforward  Mortgage Services For New Hampshire Residents

Local banks like Union Bank don’t just serve their customers—they’re part of the same community, just like the people who work there. That connection gives them a clear understanding of the importance of a simple, straightforward mortgage process.

They ensure the application process is clear and offer assistance if needed, handle escrow, offer consistent terms and upfront rates, which means customers can finance their home with confidence.

Control of Decisions

When a bank is merged or acquired by a large bank, the ability to make decisions on a local level is lost. This can impact how local banks make decisions on major changes, customer service policies, or even how they engage and support local initiatives.

Not to mention local businesses can sometimes suffer from not having their full financial potential being taking into account when applying for loans. How can a bank make a decision on your business when they don’t even live in the community or know the business owner? That will never happen at local banks.

The Union Bank Difference

As you can see, large banks that like to merge or acquire banks just for the sake of growth can never match the personalized experience and service like local banks.

Union Bank has been independent and rooted in Vermont and he New Hampshire communities for more than 130 years.  We offer the same products and services as the large banks, but with a personalized approach.

  • Personal Banking – from basic checking accounts, specialty products for seniors, or Money Market accounts, they have you covered all with the convenience of mobile banking
  • Commercial Accounts – keep your local business running smoothing with checking accounts, merchant services, HR and payroll, and lending products tailored to your business needs
  • Mortgage Loans – buy your dream home, find a vacation home, or refinance for home improvements, Union Bank has it all
  • Personal Loans and Credit Cards – consolidate debt, tap into your home equity, or open a new credit card
  • Wealth Management – take control of your retirement and set up your estate and trust
  • Union Bank Blog – get sound financial advice and tips to make your money work harder for you

Visit Union Bank at one of their New Hampshire locations, open an account online, or contact them.  Once you experience the Union Bank difference, you’ll know why they have been trusted by the Vermont and New Hampshire communities for more than 130 years.

Over 200 Crypto Firms Now Back the Clarity Act. If It Passes, This 1 Cryptocurrency Could Soar in Price

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Over 200 Crypto Firms Now Back the Clarity Act. If It Passes, This 1 Cryptocurrency Could Soar in Price


On June 7, a coalition of more than 200 crypto firms sent a letter to Senate Majority Leader John Thune and Minority Leader Chuck Schumer, urging them to schedule the Digital Asset Market Clarity Act for a full Senate vote. The coalition argues that passing the Clarity Act would establish a federal framework for digital assets, clarify the regulatory roles of the SEC and CFTC, create clearer registration pathways, and extend protections to software developers.

The House of Representatives passed the Clarity Act last July. Still, it’s been stuck in limbo in the Senate amid debates regarding anti-money-laundering measures, rules for decentralized finance (DeFi) platforms, rules for government officials holding cryptocurrencies, and community bank deregulatory provisions. But if it finally passes this year, Solana (SOL +11.27%) could skyrocket and outperform many other cryptocurrencies.

Image source: Getty Images.

Why will Solana benefit from the passage of the Clarity Act?

Solana served more than 11,500 developers last year, making it the second-largest developer-oriented blockchain after Ethereum (ETH +9.99%). Solana’s Layer-1 (L1) blockchain is also the fastest in the world.

Solana already handles nearly a third of all stablecoin transfers through partnerships with Circle, Visa, PayPal, Stripe, and other digital payment companies. It’s also being increasingly used to tokenize real-world assets (RWAs).

Solana Stock Quote

Today’s Change

(11.27%) $7.61

Current Price

$75.17

However, the SEC has repeatedly targeted Solana with enforcement actions, labeling it an “unregistered security” rather than a digital commodity like Bitcoin. That pressure, along with the broader macro headwinds, drove away Solana’s investors and caused its price to plummet more than 50% over the past 12 months.

The Clarity Act could stop that bleeding by reclassifying Solana and other mature blockchains as fully decentralized networks, to be regulated by the CFTC (which classifies Solana as a digital commodity) rather than the SEC. That reclassification will likely drive more investors back to Solana and its first batch of U.S. ETFs, which were approved in late 2025.

Solana, like Ethereum and other PoS blockchains, allows investors to stake (lock up) their tokens to earn rewards similar to interest. Those yields are high, but they’re also exposed to shifting regulations and opposition from conventional banks. If the Clarity Act removes those regulatory hurdles, it could attract much more attention from yield-seeking investors.

Is it the right time to buy Solana?

Solana’s bottleneck was never its technology. Instead, it was the shifting regulations and clashes between the SEC and CFTC that made it difficult to quantify. But if the Senate finally passes the Clarity Act with favorable terms for Solana and other similar blockchains, its price will surge.

Leo Sun has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Bitcoin, Ethereum, PayPal, Solana, and Visa. The Motley Fool recommends the following options: short June 2026 $50 calls on PayPal. The Motley Fool has a disclosure policy.

Introduction To Management | Meaning | Characteristics | Objective | Importance | With Short Tricks

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Introduction To Management | Meaning | Characteristics | Objective | Importance | With Short Tricks



Introduction To Management | Meaning | Characteristics | Objective | Importance | With Short Tricks

Playlist Of Management Concept B.Com/BBA/MBA/B.Com Hons –

Playlist Of Principles And Practices Of Management B.Com/BBA/MBA/B.Com Hons –

Playlist Of Principles Of Management B.Com/BBA/MBA/B.Com Hons –

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Playlist Of Business Organization And Management (BOM) B.Com/BBA/MBA-

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Topics we covered:-
Meaning Of Management
What Is Management?
Traditional Definition of management
Modern Definition of management
Modern Concept of Management
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Importance of Management
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#businessorganization #management #principles_of_management

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Synthetic Risk Transfers Are the Talk of the Town. But Are They as Scary as They Look?

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SRTs are a form of synthetic securitization, often called “on-balance-sheet securitization,” in which a bank offloads a portion of a loan portfolio’s credit risk through a contract, typically a credit derivative or guarantee, without fully selling or removing the loans from its balance sheet.

In Europe, where the market was born, the investor typically acquires mezzanine loan risk by selling (writing) a credit default swap (CDS) and, in the United States, through a credit-linked note (CLN). The primary protection sellers are public and private credit funds, which are attracted by competitive yields, access to high-quality diversified credit exposures, and the ability to tailor risk via tranches. Banks pay for this protection because it allows them to transfer part of their loan risk to investors, which in turn reduces their regulatory capital requirements and frees up capital for new lending at a lower cost than raising equity.

The originating bank retains the first loss (junior) tranche[2]. The investor, who does not have specific knowledge of the pool’s underlying loans (only generic details like maturity, ratings, and industry) earns a fixed premium or coupon. If defaults in the portfolio occur, the bank absorbs the first loss while the investor covers losses up to the mezzanine tranche limit.

The bank retains the client relationship, loan administration, and interest income to maintain “skin in the game,” which is a regulatory requirement. But since it shed a portion of the portfolio risk, the bank is permitted to reduce capital against the loans.

SRTs are typically engineered for capital relief and risk management. On the former, Basel capital rules are widely viewed as excessively penalizing certain assets. For example, auto loans require disproportionately high capital despite extremely low default rates. SRTs allow banks to reduce risk-weighted assets (RWAs) by 50% to 80% in many transactions. In addition, by transferring risk without shrinking their balance sheets, banks can reduce geographic, borrower, or sector concentration risk.

Q3 2026 5% Quarterly Categories: Activate, Offers & Suggestions (Freedom/Flex, Discover, Dividend, Cash+ & More)

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Q3 2026 5% Quarterly Categories: Activate, Offers & Suggestions (Freedom/Flex, Discover, Dividend, Cash+ & More)


It’s now possible to activate all 5% category credit cards for the third quarter of 2026, including the Chase Freedom, Chase Freedom Flex, Discover IT, Citi Dividend, US Bank Cash+ and some smaller cards. In this post we’ll provide the activation link for each card, spend tracker links, and strategies to help increase spend within these categories.

Dates: July 1st – September 30, 2026. Store purchases can usually be done until the last minute while online purchases should be given a buffer zone since the charge typically posts on the shipping date.

Chase Freedom – Gas, Transit, Entertainment

Activation Link / FAQ / Our original post

With the Chase Freedom and Freedom Flex cards, activate to earn 5% back this quarter on up to $1,500 in spend on Gas/EV, Public Transit, Select Live Entertainment, and United Way.

  • Gas Stations and EV Charging – some convenience stores count as Gas, and they might sell gift cards too. 
  • Public Transit – Merchants in this category include operators of passenger trains, buses, ferries, toll bridges and highways, and parking lots and garages.
  • Select Live Entertainment – (Possible stack with the Paze promo?) Merchants in this category sell tickets for live in-person entertainment such as major sporting events, zoos and aquariums, concerts, theatrical productions, museums, tourist attractions and exhibits, amusement parks, circuses, carnivals, bands, and entertainers. Ticket agencies selling on behalf of the entertainment venue are included. Some merchants that sell tickets for in-person entertainment are not included in this category; for example, movie theaters, bowling alleys, horse racing tracks, casinos, and dance hall/clubs. Purchasing from a hotel/concierge is not included nor excursions or purchases as part of a travel package.
  • United Way – charity

Tip: Click this link (login required) to check how far you are along the $1,500.

 

Discover – Gas, Transportation, Drugstores

Activation Link / Our original post

With the Discover card, activate to earn 5% back this quarter on up to $1,500 in purchases on Gas, Transportation, and Drugstores.

  • Gas and EV charging – some convenience stores count as Gas, and they sometimes sell gift cards too. 
  • Transportation – includes airlines and also commuter services such as bus and train. (Does not include car rental or taxi/rideshare.)
  • Drugstores – this is always a favorite since popular drugstores carry a wide array of goods and gift cards too.

Tip: Login, then click this link to see you how far along the $1,500 you are.

    • Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station and public electric vehicle charging stations. Gas stations & EV charging affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Certain parking garages where public electric vehicle charging is offered or included may not be eligible.
    • Transportation purchases include those made through merchants classified as airlines, and local commuter passenger transport (such as bus, rail and ferry services). Long-range passenger landrail and bus charters are also included. Purchases made through travel agencies, travel aggregator sites or other third-party booking services may not qualify. Car rentals, cruise lines, taxi & rideshare services (including shared bikes and scooters), limousines, parking garages and toll-related purchases are not included.
    • Drug Store purchases include those made at stand-alone drug stores, pharmacies, and online pharmacies. Pharmacies inside of other retail stores may not qualify.

 

Citi Dividend – Gas, Home Improvement

Landing Page | Our Original Post

With the Citi Dividend card, activate to earn 5% back this quarter on Gas Stations and Home Improvement. Citi is different than the other cards in that you have a $6,000 annual cap rather than a $1,500 quarterly cap. You can get 5% back on up to $6,000 in this quarter, you can save the entire amount for a different quarter, or you can use part up each quarter.

  • Gas Stations – not clear if EV charging will count.
  • Home Improvement – nice category for the summer. Can buy gift cards at home improvement stores as well.

Gas Stations: Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code. Home Improvement Stores: Includes purchases at home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries – lawn and garden supply stores and paints, varnishes and supplies stores. Excludes florists and florists’ supply stores; nursery stock; wholesale construction stores; and glass stores.

U.S. Bank Cash+/Elan – Select your Categories

Activation link | Merchant List | Our Original Post

U.S. Bank Cash+ and Elan Max offer 5% cash back in two categories, up to $2,000 combined total per quarter.

Here are the current options:

  • TV, Internet, and Streaming Services
  • Home utilities
  • Select clothing stores
  • Cell phone providers
  • Electronic Stores
  • Gyms/Fitness
  • Fast food
  • Ground Transportation
  • Sporting goods
  • Department Stores
  • Furniture Stores
  • Movie theaters

Tip: Login here, then scroll down and click on the red “View Your Cash+ History” button.

U.S. Bank Shopper – Select your Categories

Our Original Post

The U.S. Bank Shopper Cash Rewards comes with a $95 annual fee and offers 6% cashback on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. Options include Amazon, Apple, Best Buy, Home Depot, Lowe’s, Walmart, Target, and many more. You must enroll each quarter for two retailers.

Bank of America Customized Cash Rewards

Our Original Post

The Cash Rewards card from Bank of America offers 3% back on one selected category, up to $2,500 per quarter. If you don’t select anything it defaults to gas. Once you selected a category for one quarter, that remains your category in the future unless you change it. Each calendar month you can change it if you’d like, but you’re always limited to $2,500 for the entire quarter.

  • Gas and EV charging stations (default category)
  • Online Shopping; this category also includes cable, streaming, internet, and phone plan
  • Dining
  • Travel
  • Drug Stores
  • Home Improvement/Furnishings

This category is especially lucrative for those who have Preferred Rewards status with Bank of America which can get you 5.25% back on one of these categories at the higher relationship level.

Lots of useful categories here. Important note: the Cash Rewards card also offers 2% back at grocery stores and wholesale clubs up to $2,500 per quarter, and that $2,500 limit combines with the Category Selection limit. After spending $2,500, you’ll earn 1% back on everything.

Other Cards with 5% Category

Nusenda FCU – Wholesale, Discount, Home & More

Landing Page & PDF with full details| Our Original Post | 2025 Post

  • Earn 5% this quarter, up to $1,875 in purchases, for Airlines, Hotels, Rental Cars, Gas, Miscellaneous Stores, Business Services (electronics, books stores, etc.), Retail Outlet Services, Education. See full list and eligible merchants on this PDF.

Langley FCU – Various

Landing Page | Our Original Post

  • Langley Federal Credit Union offers 5% back each month in one selected category, on up to $100 cash back total ($2,000 spend).
  • The category options at time of this writing: Automotive Services, Dining, and Amazon. (via email: Automotive Services includes charging, gas, and automotive maintenance)

Huntington Business Voice – Select 4% Category

Landing Page

Huntington Voice Business credit card you choose one of ten categories where you’ll earn 4% cash back—on the first $7,000 you spend per quarter.

  • Category options: Grocery Stores, Gas Stations, Restaurants, Travel and Entertainment, Home Improvement Stores, Utilities and Office Supply Stores, Department, Apparel, and Sporting Goods Stores, Electronic, Computer, and Camera Stores, Discount and Warehouse Stores, Auto Parts and Services Stores.

Safe Credit Union [CA] – ADD ME

Landing Page | Our Original Post

Safe Credit Union Cash Rewards Visa card offers 5% this quarter on your choice of one category each quarter, now limited to $1,500 in spend each quarter. This quarter the category is one of these:

  • ADD ME

Redstone FCU (TN,AL) – Dining, Travel, Amazon & More (?)

Landing page | Our original Post

  • Redstone Visa offers 5% on a category of your choice: travel, Amazon, restaurants, home improvement, and more options.
  • $1,500 cap per quarter.
  • You must select a category or you don’t get 5% on anything.
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