Barclaycard Arrival Plus World Elite MasterCard Review: 50,000 Points = $500 Limited-Time Bonus

BarclayCard Arrival World MasterCard

Update – This offer is now EXPIRED.

The Barclaycard Arrival Plus(TM) World Elite MasterCard® is a travel rewards card with a limited-time offer worth at least $500 and the annual fee is waived the first year. Here are the card highlights:

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days – that’s enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise.  Redemption values vary.
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Miles don’t expire as long as your account is open, active and in good standing
  • No foreign transaction fees
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • Complimentary online FICO® Credit Score
  • $89 annual fee waived for the first year

Rewards program details. With this card, you earn 2 miles per $1 spent on all purchases. There are no special categories. These miles (easier to think of them as points, really) are then redeemable towards travel booked from any merchant or retailer classified as Airlines, Travel Agencies & Tour Operators, Hotels, Motels & Resorts, Cruise Lines, Passenger Railways and Car Rental Agencies. You can redeem towards any airline on any date.

First, visit any booking site (Delta.com, Expedia.com, Hilton.com, Hotels.com, etc) and buy a ticket with this credit card. You don’t need to use any specific portal. Let’s say you buy an airplane ticket for $250. Then, you visit your Barclaycard account website and you’ll offset your purchase. You’ll redeem 25,000 “miles” and see a $250 statement credit on your statement. (Accruing those 25,000 miles would have taken $12,500 in accumulated purchases, if not part of sign-up bonus or other incentive.) I’ve done this multiple times, and it always went smoothly with no issues.

Travel statement credit redemptions start at 10,000 miles for $100 toward a qualifying travel purchase of $100 or more made within the last 120 days. For example, you could use 10,000 points for a $100 credit towards a $200 plane ticket, if you wished.

On top of that, the card gives you a 5% miles rebate when you redeem for any travel. So if you redeemed 50,000 miles, you would get 2,500 back in your account after about a week. Although this adds a layer of complexity, you can calculate that technically getting $500 of value out of 47,500 miles at 2X miles/$ spent works out to 2.11% cash back towards any travel. Everything else (gift cards, merchandise) offers a worse redemption ratio, so don’t bother.

Comparison with alternatives. 2X miles is nice and the rebate adds a bit extra. However, this card also has an $89 annual fee that is waived for the first year. So for the first year you’re good, but the competition offers multiple cards earning close to 2% cash back with no annual fee at all. A few examples:

Again, the math says that you would have to put over $80,000 in purchases on this card annually in order to get the 0.11% advantage to offset the $89 annual fee (after the 1st-year waiver). That’s a big number. Now, Barclaycard did offer me a second fee-free year when I called in to cancel the card a couple years back (your results may vary). This bought me enough time to spend all my miles. I could have also used 8,900 miles to offset the second year $89 annual fee. A final option is to downgrade the card to the no annual fee version after a year.

Bottom line. $500 value sign-up bonus towards travel. 2.11% effective rewards card towards travel. Long-time readers know that I want to see a $500 net value over the first year before I try out a new credit card, and this card satisfies that hurdle and paid for a chunk of my summer travel. However, past the first year of ownership, I do not like the idea of eventually paying an $89 annual fee with a theoretical max of 2.11% back when I can get 2% back with no annual fee from other cards.

Equifax Hack Check Tool, Free Year of Identity Theft Protection and Credit Monitoring

equifaxlogoEquifax announced that they were hacked between May-July 2017, exposing the personal information of potentially over 143 million people. As one of the three major credit bureaus, they have a lot of data: credit card numbers, social security numbers, birth dates, addresses, and driver’s license numbers. Essentially, everything you need for identity fraud.

Equifax has a Potential Impact Tool that lets you check if they believe your information has been exposed. You must provide your last name and the last six digits of your Social Security number. It seems that unless they say “you’re not affected”, then you should assume you were affected. No matter what, they are offering everyone a free year of Equifax TrustedID Premier service, which includes:

  • 3-Bureau credit monitoring of Equifax, Experian and TransUnion credit reports
  • copies of your Equifax credit report
  • the ability to lock and unlock your Equifax credit report
  • identity theft insurance
  • Internet scanning for Social Security numbers

They’ll give you a date and you’ll need to come back to activate. I suppose they need to make a queue with that many new “customers”. Equifax also set up a dedicated call center at 866-447-7559, open 7 days a week, 7am–1am Eastern time.

So the business that gets to collect all my personal data (and then charge me for a credit score based on that data) lost my data, and as an apology gives me a temporary subscription to their own identity protection service (which people pay for because… their data gets hacked). Does anyone else feel like there needs to be more of an incentive not to get hacked? This benefit only lasts for a year, so you may want to sign up for other free credit monitoring services. Also see the Big List of Free Consumer Reports on how to get a free full copy of your credit and other consumer reports.

Plastiq Promotion: Pay Mortgage With Mastercard for 1.5% Fee

plastiq_logoPlastiq has a new 1.5% promo rate (standard fee is 2.5%) if you schedule 3 or more mortgage payments with your Mastercard by end of this 2017. You must pay the standard 2.5% first, and then discount will come in the form of a rebate check sent by January 5, 2018. The check will be sent to the name and billing address associated with your Mastercard used for the promotion. Max rebate is $200. Their instructions:

  • Schedule 3 or more monthly mortgage payments by checking the box next to recurring.
  • Use a Mastercard.
  • Set up the first 3 payments so they are set to process between September 5, 2017 and December 31, 2017 11:59 p.m. EDT.
  • Look for a notification of eligibility on the payment review screen.

Here are some ways that this promo may be useful…

Sign-up bonus spending requirements. Sign-up bonuses on credit cards usually have spending requirements. For example, you might get a $500 value bonus but need to spend $3,000. Well, that’s effectively 16.7% back so if you need a little help to get over that hurdle, it’s okay to pay a 1.5% fee.

2% cash back credit cards, or similar. If you have a rewards credit card that offers 2% cash back (or equivalent value in points), then you can still make a slight profit by putting them on your credit card. A current example is the Citi Double Cash Card. For example, if you have a mortgage bill of $5,000 and you earned 2% cash back while paying a 1.5% fee, your net 0.5% is $25. You could also get another month or so of “float” before the your credit card bill is due.

Combine a rewards card + 0% APR on purchases. Many credit cards offer 0% APR on purchases for an introductory period of 12 months or longer. If the card also has a half-decent rewards program on purchases, the combination of purchase rewards and spreading out the payments over a year at no interest could be attractive.

Referral program. Plastiq has a somewhat confusing referral program. If a new user signs up via a referral link and pays $500 worth of bills, they will then get $500 “fee-free dollars”. So first you’d have to pay the fee on a bill, and then on your next bill, $500 of it will be “fee-free” (at 2.5% that’s a $12.50 savings). The referrer will get $1,000 in fee-free dollars. If you take advantage of the promo above, that should trigger the bonus. Here’s my referral link. Thanks if you use it.

Best Interest Rates on Cash Savings – September 2017

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Interest rates are slowly waking up from their multi-year slumber, so I’m paying closer attention to the various changes each month. Don’t let a megabank pay you 0.01% APY or less for your idle cash. Here is my monthly roundup of the best safe rates available, roughly sorted from shortest to longest maturities. Rates checked as of 9/4/17.

High-yield savings accounts
While the huge brick-and-mortar banks rarely offer good yields, there are many online savings accounts offering competitive rates clustered around 1.0%-1.2% APY. Remember that with savings accounts, the interest rates can change at any time.

  • The Mega Money Market accounts of both Redneck Bank and All America Bank (they are affiliated) are paying 1.50% APY on balances up to $35,000. Note that amounts over $35,000 earn only 0.50% APY.
  • Other sample top rates without a balance cap: DollarSavingsDirect at 1.40% APY, Synchrony Bank and Goldman Sachs Bank are at 1.20% APY. Notice that BankDirect was 1.35% APY last month, but today is now only 0.15% APY! Boo.
  • As I’ve been “bait-and-switched” a few times myself, I’m still sticking with my Ally Bank Savings + Checking combo due to their history of competitive rates (including CDs), 1-day interbank transfers, and a overall user experience. I also like the free overdraft transfers from savings that let’s me keep my checking balance at a minimum. Ally Savings is at 1.20% APY.

Money market mutual funds + Ultra-short bond ETFs
If you like to keep cash in a brokerage account, you should know that money market and short-term Treasury rates have inched upwards. It may be worth the effort to move your money into a higher-yielding money market fund or ultrashort-term bond ETF.

  • The Vanguard Prime Money Market Fund has increased their SEC yield now to 1.10%. The default sweep option is the Vanguard Federal Money Market Fund, which only has an SEC yield of 0.97%. You can manually move the money over to Prime if you meet the $3,000 minimum investment.
  • The following bond ETFs are not FDIC-insured, but if you want to keep “standby money” in your brokerage account and have cheap/free trades, it may be worth a look. The PIMCO Enhanced Short Maturity Active Bond ETF (MINT) has a 1.55% SEC yield and the iShares Short Maturity Bond ETF (NEAR) has a 1.57% SEC yield while holding a portfolio of investment-grade bonds with an average duration of ~6 months. More info here.

Short-term guaranteed rates (1 year and under)
I am often asked what to do with a big wad of cash that you’re waiting to deploy shortly (just sold your house, just sold your business, legal settlement, inheritance). My standard advice is to keep things simple. If not a savings account, then put it in a short-term CD under the FDIC limits until you have a plan.

  • Ally Bank No-Penalty 11-Month CD is paying 1.50% APY for $25,000+ balances and 1.25% APY for $5,000+ balances. The lack of early withdrawal penalty means that your interest rate can never go down for 11 months, but you can always jump ship if rates rise.
  • Advancial Federal Credit Union has a 6-month CD at 1.63% APY ($50k min) and a 12-month CD at 1.78% APY ($50k min). If you don’t otherwise qualify, you can join this credit union with a $5 fee to Connex Professional Network and maintaining $5 in a Share savings account. Via DepositAccounts.

US Savings Bonds
Series I Savings Bonds offer rates that are linked to inflation and backed by the US government. You must hold them for at least a year. There are annual purchase limits. If you redeem them within 5 years there is a penalty of the last 3 months of interest.

  • “I Bonds” bought between May and October 2017 will earn a 1.96% rate for the first six months, and then a variable rate based on ongoing inflation after that. While that next 6-month rate is currently unknown, at the very minimum the total yield after 12 months will around 1% with additional upside potential. More info here.
  • In mid-October, the CPI will be announced and you will have a short period where you will have a very close estimate of the rate for the next 12 months. I will have another post up at that time.

Prepaid Cards with Attached Savings Accounts
A small subset of prepaid debit cards have an “attached” FDIC-insured savings account with high interest rates. The negatives are that balances are capped, and there are many fees that you must be careful to avoid (lest they eat up your interest). The other catch is that these good features may be killed off without much notice. My NetSpend card now only has an eligible balance up to $1,000.

  • Insight Card is one of the best remaining cards with 5% APY on up to $5,000 as of this writing. Fees to avoid include the $1 per purchase fee, $2.50 for each ATM withdrawal, and the $3.95 inactivity fee if there is no activity within 90 days. If you can navigate it carefully (basically only use ACH transfers and keep up your activity regularly) you can still end up with more interest than other options. Earning 4% extra interest on $5,000 is $200 a year.

Rewards checking accounts
These unique checking accounts pay above-average interest rates, but with some risk. You have to jump through certain hoops, and if you make a mistake you won’t earn any interest for that month. Rates can also drop quickly, leaving a “bait-and-switch” feeling. But the rates can be high while they last.

  • Northpointe Bank has Rewards Checking at 5% APY on up to $10k. The requirements are (1) 15 debit card purchases per month (in-person or online), (2) enrolling in e-statements, and (3) a monthly direct deposit or automatic withdrawal of $100 or more. ATM fees are rebated up to $10 per month.

Certificates of deposit (greater than 1 year)
You might have larger balances, either because you are using CDs instead of bonds or you simply want a large cash cushion. Buying finding a bank CD with a reasonable early withdrawal penalty, you can enjoy higher rates but maintain access in a true emergency. Alternatively, consider a custom CD ladder of different maturity lengths such that you have access to part of the ladder each year, but your blended interest rate is higher than a savings account.

  • Advancial Federal Credit Union (see above) has an 18-month CD at 1.89% APY ($50k min) and a 24-month CD at 2.00% APY ($50k min). The early withdrawal penalty is 180 days of interest.
  • Ally Bank also has a 5-year CD at 2.25% APY (no minimum) with a relatively short 150-day early withdrawal penalty and no credit union membership hoops. For example, if you closed this CD after 18-months you’d still get an 1.64% effective APY even after accounting for the penalty.
  • Hanscom Federal Credit Union is offering a 4-year Share Certificate at 2.50% APY (180-day early withdrawal penalty) if you also have Premier Checking (no monthly fee if you keep $6,000 in total balances or $2,000 in checking). HFCU also offers a 3% APY CU Thrive “starter” savings account with balance caps. HFCU membership is open to active/retired military or anyone who makes a one-time $35 donation to the Nashua River Watershed Association.
  • Mountain America Credit Union is offering a 5-year Share Certificate at 2.60% APY ($5 minimum) with a 365-day early withdrawal penalty. Anyone can join this credit union via partner organization American Consumer Council for a one-time $5 fee.

Longer-term Instruments
I’d use these with caution, but I still track them to see the rest of the current yield curve.

  • Willing to lock up your money for 10+ years? You can buy certificates of deposit via the bond desks of Vanguard and Fidelity. These “brokered CDs” offer the same FDIC-insurance. As of this writing, Vanguard is showing a 10-year non-callable CD at 2.65% APY (Watch out for higher rates from callable CDs.) Unfortunately, current long-term CD rates do not rise much higher even as you extend beyond a 5-year maturity.
  • How about two decades!? Series EE Savings Bonds are not indexed to inflation, but they have a guarantee that the value will double in value in 20 years, which equals a guaranteed return of 3.5% a year. However, if you don’t hold for that long, you’ll be stuck with the normal rate which is quite low (currently a sad 0.10% rate). You could view as a huge early withdrawal penalty. You could also view it as long-term bond and thus a hedge against deflation, but only if you can hold on for 20 years. Too long for me.

All rates were checked as of 9/4/17.

Discover Card: Free Social Security Number Monitoring and New Account Alerts

disc_ssnDiscover has a new free alert service available to Discover cardholders on an opt-in basis. I must have missed the initial announcement. This is not complete identity protection (which usually costs a monthly fee of $10 or more) but the following subset:

  • Social Security Number Monitoring. Discover scans the internet including the “dark web” where stolen SSNs are often traded and sold for the purposes of identity theft and fraud. If your SSN is found, you will receive an alert.
  • New Account Alerts. Whenever a new account (credit cards, mortgages, car loans or other credit accounts) is reported on your Experian credit report, you will receive a notification. If you don’t recognize the new account, that can be an indication of identity theft.

You must authorize Discover to access your credit report, but since they are doing so on your behalf, this will not affect your credit score in any way. Opt-in and activate these alerts here. You can choose e-mail and/or text alerts. Deactivate here.

Bottom line. If you are a Discover cardholder, this is a free service that alerts you to new accounts and thus potential identity theft. I keep my Discover it card open for its rotating 5% cash back rewards.

Free 3-Month Tidal Premium Subscription Voucher Code

tidalReady for more music? Groupon is offering a free 3-month subscription of Tidal Premium music streaming service, which usually costs $9.99 per month. The standard free trial offer is only for 30 days.

Promotional value expires 30 days after purchase. Amount paid never expires. New subscribers only. Limit 1 per person. Claim codes cannot be resold, transferred for value or redeemed for cash. This promotion may not be combined with other offers. Limit one per customer and account. To redeem, must register credit card with merchant. After the 3-month promotional period, plans will automatically renew to $9.99 a month, unless canceled with merchant.

After purchase, you must view the Groupon PDF which will contain a unique voucher code needed to activate your free 3-month subscription. I’m not sure if you can cancel early to prevent auto-renewal after the 3-month period. I plan on waiting on redeeming this code until my other free music trials end, as my main concern is maximizing my listening time without ads.

World’s Most Popular Online Course: Learning How to Learn (Free)

courseraThe NY Times highlighted what is “arguably the world’s most successful online course”, Learning How to Learn: Powerful mental tools to help you master tough subjects by Drs. Oakley and Sejnowski and sponsored by the University of California, San Diego. The course has been taken by 1.8 million people and it is free to access all the instructional materials ($49 to receive a certificate of completion).

The course provides practical advice on tackling daunting subjects and on beating procrastination, and the lessons engagingly blend neuroscience and common sense.

The course lasts 4 weeks and the time commitment required is estimated at 2-3 hours per week (depending on if you just watch the videos or complete all the exercises and additional reading). Also available in Spanish, Portuguese, and Chinese. While the production quality is “home-brew, not Harvard”, people seem to like it. (This is not meant to be offensive, but it sometimes reminds me of “Fun with Flags” from the Big Bang Theory TV show.) Here’s an intro video from YouTube:

The next session starts August 28th, and I’ve signed up and watched a few videos already. So far, I prefer using the Coursera app on my smartphone. I don’t know if I’ll be able to complete everything, but you can always extend into the next session. I hope to learn something for myself and also some tips to pass on to my children.

Amazon Prime: Spend $25, Get Free Snack ($5-$8 value) and Free Vitamins ($10-$25 value)

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(Update: Amazon is also offering free vitamins with a $25+ order. If you haven’t done the snack deal below yet, you can stack them and get both a free snack and free vitamins with a single $25+ order.)

Amazon Prime members who spend $25 or more can get a free Happy Belly or Wickedly Prime snack with the promo code PRIMESNACK. Amazon Prime members who spend $25 or more can also get a free bottle of Amazon Elements vitamins with the promo code PRIMEVITAMIN.

Here are the eligible snack products:

To redeem, first add $25+ worth of products that are sold by Amazon.com or Amazon Digital Services LLC to your cart. Amazon gift cards don’t qualify, but the a $25 physical gift cards from Whole Foods, Starbucks, or Panera Bread should work.

You could also buy $25 of Household items from this 30% off deal.

Next, add one of these Amazon snacks (~$5 to ~$8 value). Enter promo code PRIMESNACK at checkout and the snack should be free. Add one of these Elements vitamins listed at the bottom. Enter promo code PRIMEVITAMIN at checkout and the vitamins should be free. I picked the Calcium supplements made from algae.

Discover Bank: 1.15% APY + $150/$200 Bonus ($15,000/$20,000 Deposit)

disc_osaDiscover Bank is offering a refreshingly straightforward bonus for their online savings account. If you open a new account through this promotion link by 10/2/17 and use the offer code S817, you can receive one of the following bonuses:

  • Deposit a total of at least $15,000 into your account by 10/16/17 to earn a $150 bonus, or
  • Deposit a total of at least $20,000 into your account by 10/16/17 to earn a $200 bonus.

The Discover Online Savings Account has a yield of 1.15% APY as of 8/27/17, which is a competitive rate although not the absolute highest available. There are no minimum balance requirements and no monthly fees. Interest is compounded daily and paid monthly.

If you deposit the minimum amount of $15k or $20k, you effectively get a bonus of another 1% of your initial deposit. However, there is no minimum time period where you have to keep the money there after getting the bonus, so your effective ROI can be quite high.

Offer not valid for existing or prior Discover savings customers. Account must be open when bonus is credited. Bonus will be credited to the account by 10/31/17. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer may be modified/withdrawn without notice.

I already have a Discover bank account that I tried out in exchange for another bonus. The rates are decent and they are low hassle, so I keep it open in case something good comes up in the future. I keep $5 in there so they don’t close it without notice.

Kanopy: Free Movie Streaming for Library Cardholders and Students

kanopyLooking for high-quality streaming content? The NY Times recently highlighted a new video streaming service called Kanopy, which has partnered with 200+ public library systems and educational institutions to offer access to 30,000 movies free of charge. There are no commercials. You can stream via Roku box, Apple/Android smartphones and tablets, or via web browser. Check if your local library offers access here. Note that there may be a monthly limit:

Each library imposes its own limit to the number of free movies a single cardholder can watch each month, from three to 20 titles per card, a spokeswoman for Kanopy said. Once they’ve registered their library cards with Kanopy, viewers can keep track of how many movies they have left in the upper right-hand corner of the onscreen interface. The limit for New York Public Library cardholders is 10 free movies a month, while Brooklyn Public Library allows six. Outside of New York, Los Angeles County libraries, for example, have a 10 movie limit.

You won’t find the latest Marvel movie, as Kanopy’s library is heavy on classic cinema, independent films, and documentaries. They boast “hundreds of new films every month”. There are many films from the Criterion Collection like Fellini’s 8 1/2 and Kurosawa’s Rashomon. If you still have interest in the solar eclipse, check out Chasing Shadows. There are neat educational materials in the Great Courses section, including the Everyday Gourmet series.

GiftsforBanking CD Review: 2-Year CD at 1.85% APY + Gift Valued Up to ~1% APY

applewGiftsforBanking.com has a unique FDIC-insured certificate of deposit that pays out a mix of traditional cash interest and a physical gift. The underlying bank is GObanking.com, which is in turn a division of Flushing Bank. Via DepositAccounts, they just upped their 2-Year CD to a competitive 1.85% APY of cash interest, plus a choice of gifts based on your deposit amount:

In the perfect scenario, you open a 2-year CD with $25,000 (or $50,000) and get 1.85% APY plus a gift worth another 1% APY. (Ex. $25,000 x 1% APY = $250 per year. For 2 years = $500 total.) A theoretical 2-year CD paying 2.85% APY (or even 2.5% APY) would be a top available rate in the current market.

However, it is important to note the following fine print:

*Annual Percentage Yield. APYs are effective as of 8/18/17 and are subject to change without notice. There is a substantial penalty for early withdrawals, including the value of the gift chosen. The value of all gifts will be considered as interest on your account for tax purposes in the first year the account is opened. A 1099-INT statement for the value of the gift (including applicable sales tax, shipping and handling costs) will be issued for the year of gift redemption. Please allow up to three weeks from the time that you place your gift order for delivery of gifts. Photos of gifts may not be exact model. GiftsforBanking.com reserves the right to make gift substitutions of comparable value and assumes no liability for any defects in, or consequential damages relating to gift items. The warranty is the sole responsibility of the manufacturer. CD Reward codes will expire twelve (12) months from the date that the code is first emailed to you.

This brings up the following concerns:

  • You will receive a 1099-INT for the cash interest and the value of the gift (including applicable sales tax, shipping and handling costs). It is unclear exactly what this number is for each specific gift option. It is traditionally the MSRP, but sometimes even that number is hard to figure out. How much extra will they tack on for shipping and handling? In the end, you could be on the hook for taxes on a amount significantly higher than the actual resale value. (Update: Commenter David reports that the $25k/$50k tier gifts will have a 1099 value of $575/$1,100 respectively.) You could try to dispute this amount but is it really worth the trouble?
  • The early withdrawal penalty includes both 6 months of interest plus the value of the gift. That is a relatively heavy penalty.
  • There is a minimum opening balance of $25,000 for each CD.
  • Why does the website look like it traveled in time from 1999?

The good news is that 1.85% APY on a 2-year CD all by itself is a pretty competitive rate. So if you wanted, you could simply consider the additional gift “interest” as a special discount. Instead of paying say $360 for an Apple Watch from Amazon and $80-$95 for a $100 iTunes Gift Card, you might only have to pay income taxes on $500 or so. The key is whether you actually wanted to buy a 2-year CD anyway, either for your cash reserves or as a bond replacement. For comparison, right now a 2-year US Treasury bond only yields 1.32%.

Bottom line. This is a quirky bank CD promotion with the potential to be a good deal, but some important things have to align. You already want a 2-year bank CD. You should be quite confident you won’t withdraw early. You can get good value out of the gift options or are willing to resell. Is the potential extra value worth the added hassle?

Free 3-Month Pandora Premium Subscription Gift Code

pandoraGroupon is offering a free 3-month subscription of Pandora Premium music streaming service, which usually costs $9.99 per month. This upgrade includes access to 40 million songs on-demand, removal of all ads, unlimited skips, offline listening, and individualized playlists.

With Pandora Premium, enjoy personalized radio with on-demand listening. Users can search and play any song or album. Create playlists and use the power of Pandora to help complete them. Save data by downloading the music you want offline, and enjoy all of your favorites with no ads and unlimited skips and replays.

After purchase, you must view the Groupon voucher which will contain a link with a unique gift code needed to activate your free 3-month subscription.

Although the plan will automatically renew to $9.99 a month unless canceled, you can simply choose to cancel right away (or at any time) and your service will still keep working until the end of the three months. That way, it won’t auto-renew. Not valid for current customers (or you could create a new account). While supplies last, over 10,000 taken already.