Costco: Procter & Gamble $33 Cash Card Promotion

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costcopgCostco and Procter & Gamble have a mail-in rebate promotion for a $33 Costco Cash Card if you spend more than $100 pre-tax on any P&G products in March. Must purchase by 3/31/14 and postmark the rebate form by 5/1/14. You can apply for two rebates per household (for two $33 cash cards), but they must be on two separate $100+ receipts.

Stack the $33 rebate on top of the current coupon savings book valid 3/6/14-3/30/14, and you can get some significant savings by stocking up on items that you probably would buy eventually anyway. I have listed all of the participating brands below, and also added the coupons available during this period. I’m just going to print this blog post out as my shopping list. ;)

(Kind of makes you want to buy some shares of PG stock, eh? Well-known name brands and a 3%+ dividend yield!)

  • Charmin ($2 off toilet paper coupon)
  • Bounty ($2 off paper towels coupon)
  • Puffs
  • Tide
  • Gain
  • Dreft
  • Downy ($6 off scent booster? coupon)
  • Bounce ($1.80 off dryer sheets coupon)
  • Cheer
  • Cascade ($3 off dishwasher soap coupon)
  • Dawn
  • Joy
  • Febreze ($1.50 off coupon)
  • Swiffer
  • Mr. Clean ($2 off Magic Eraser coupon)
  • Gillette ($8.99 off blade/gel combo coupon)
  • Braun ($35 off shaver coupon)
  • Venus ($7.49 off blade/gel coupon)
  • Crest ($4 off coupon)
  • Glide
  • Oral-B ($20 off toothbrushes, $8 off heads)
  • Duracell ($3 off 9V batteries)
  • Secret
  • Pantene
  • Head & Shoulders
  • Fekkai
  • Olay
  • Tampax
  • Always
  • Metamucil
  • Prilosec OTC ($6 off coupon)
  • Pepto-Bismol
  • Vicks
  • Align
  • ClearBlue
  • Iams ($10 off dog food coupon)

Navy Federal Credit Union No Balance Transfer Fee Promotion 2014

navyfedlogoNavyFed Credit Union has a limited-time promotion going on until Sunday, April 20th where if you do a balance transfer from an external financial institutions to your existing Navy Federal card, you’ll get a fixed 0% promo APR for 12 months with no balance transfer fee. It is unclear if this offer is targeted to specific e-mail recipients as it is not mentioned on the home page, but I’d definitely call in and ask if interested.

Membership eligibility for NavyFed is primarily restricted to military personnel including Army, Marine Corps, Navy and Air Force – including retirees and family members – but also includes some civilian employees in the Department of Defense. Similar previous offers from NavyFed have used “existing” in their terms to suggest that new credit card applications are ineligible, but that wording does not appear on this offer.

There has never been a better time to consolidate your high rate balance to your Navy Federal Credit Card. You’ll save more, thanks to no balance transfer fees1 and a 0% fixed intro APR2 on balance transfers for 12 months. After that, a variable rate between 7.99% APR and 18% APR applies.1

This is a solid offer as it has been harder to find a no balance transfer fee 0% APR offer these days even though interest rates are still relatively low. However, you’ll note that Chase is not mentioned in their little balance transfer fee comparison chart as the Slate® from Chase is also currently available with a 0% introductory APR on both balance transfers and purchases for 15 months with $0 balance transfer fee and $0 annual fee. All you have to do is initiate your balance transfer within 60 days of opening the account.

Either way, both cards are good opportunities to lower the interest rate on your existing balances and accelerate any debt payoff plans.

AT&T Mobile Share Value Plan Discounts

AT&T Wireless has changed the pricing on their Mobile Share Value Plans, with unlimited talk, unlimited text, and 2 GB of shared data across all lines now costing $40 + $25 per line if you are off-contract. That’s means two lines with 2 GB of shared data would cost just $90 total (off-contract old phone or bring your own used phone), competing more closely with T-Mobile and Straight Talk. If you do sign a contract, the cost is $40 + $40 per line ($120 total for 2 lines) because you need to pay back the value of your subsidized new phone.

In addition, AT&T will let any customers who signed a contract on March 8th, 2014 or earlier get this pricing even if you are still in contract, provided you switch to a qualifying Mobile Share Value plan. This means that a 2-line plan formerly running $135 can now just be $90. The 2GB, 4GB, and 6GB data tiers all offer a promotional rate. If you upgrade to a new phone on contract in the future, the rate will go back to $40 per phone.

Bring on the price wars. Good news for the consumer! As always, see if you can stack an employee or student discount as well.

More: AT&T website, Verge, Engadget

Hotel Tonight App Promo Codes – Free $25 Credit

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hoteltHotel Tonight is a well-reviewed smartphone app that specialized in last-minute hotel bookings. Currently, there are promo codes active that can get you free credit good for any hotel available on the app. The selection is pretty good in my brief experience. Found via xlilsp1keyx of FW. Paraphrasing:

  1. First, sign up online at this link. Be sure to add promo code JPING2 for $25 in credit (new customers only). This is my referral code, as are the rest of the $25 new-customer-only codes out there.
  2. Download the Hotel Tonight app (Apple or Android)
  3. Sign into the app and apply the following code FACEBOOK for another $25 in credit (valid for existing users). You should end up with $50 in total credit. (Update: According to the original Fatwallet forum post and your comments, the FACEBOOK code no longer works on existing accounts. Sorry about the quick expiration, they had a similar $25 code good for existing users in early February that lasted longer.)
  4. It worked for me (screenshot).

The credit expires one year after the promo code is applied. Please let me know if you know of any other codes that are active for existing customers. There are many other codes for a one-time $25 credit for new customers. These codes may stop working at any time, so I’d do it quickly.

Southwest Airlines Rapid Rewards Premier Credit Card Review: One Roundtrip Flight + Companion Pass Info

Southwest Airlines Rapid Rewards Plus Credit Card Banner

southwest cardSouthwest has brought back their 25,000 bonus point promo for the Southwest Airlines® Rapid Rewards® Premier Credit Card. That’s worth 1 Roundtrip Flight (over $350 in airfare with no limited-capacity seating hoops or $250 in Amazon.com gift cards) after you spend $1,000 in the first 3 months of opening your account. Another opportunity to *save* money with credit cards as opposed to losing it paying interest. There is a $99 annual fee that is not waived the first year.

Perfect Timing for 2014/2015 Companion Pass
Since 2014 just started this is the perfect time to get their Rapid Rewards Companion Pass which allows you to designate one person to fly with you for free (person can be changed 3 times). To qualify, you must earn 110,000 points in a calendar year, and yes credit card points count! If you earn the status early in 2014, you can use the Companion Pass for the rest of 2014 and all of 2015. The companion pass even works on award tickets!

How to get to 85k points? Besides a lot of spending or flying, the small business version of this card has a 50,000 point bonus. Spend $5,000 on each of these two cards and you’ll qualify for both the 50k bonus and 25k bonus plus the 10k from spending for a total of 85,000 Rapid Rewards points. (You can spend less if you take some paid Southwest flights anyway.) Those 85k points will be worth over $1,000 in airfare split up into however many flights you want + a free companion pass which can effectively double the value.

More Details
The huge “1 roundtrip flights” banner on the Southwest Airlines® Rapid Rewards® Premier Credit Card application page is based on the fact that one round-trip $416 Wanna Get Away fare would cost about 25,000 points. In reality, the value of the bonus is over $400 in Southwest airfare broken up however you like. Any free Wanna Get Away fare is eligible, so this bonus is very useful for Southwest fliers. If you take shorter flights or wait for a fare sale, this could easily be worth multiple roundtrip flights. 25,000 points can also be converted to $250 in gift cards to Amazon.com, Wal-mart, and other retailers.

Currently 60 points = $1 worth of Wanna Get Away airfare, which means you get 1.67 cents of value per point. Starting March 31, 2014, it will take 70 points per $1, or 1.43 cents of value per point. This means 50,000 points = $714 worth of Wanna Get Away airfare after the change. Southwest is still offering two free checked bags.

  • Get 25,000 points for 1 ROUNDTRIP FLIGHT after you spend $1,000 in the first 3 months of opening your account. Government fees as low as $5 not included.
  • Get 6,000 points after your Cardmember Anniversary.
  • Earn 2 points per $1 spent on Southwest Airlines® and AirTran® Airways purchases made directly with the airlines and on Rapid Rewards Hotel and Car Rental Partner purchases.
  • Earn 1 point per $1 spent on all other purchases.
  • Redeem points for gift cards, car rentals, cruises, hotel stays, and international flights to over 800 Destinations on 50+ global carriers.
  • No foreign transaction fees

Groupon: Whole Foods $10 Gift Card for $5

Groupon is selling a $10 Whole Foods Gift Card for $5 for one day only. They want to teach you about their search bar for some reason. No expiration date. Limit 1 per person, I’m sure it will sell thousands and thousands.

Remember that you can save a bit more on your Groupon with cashback shopping sites like eBates ($10 new customer bonus), Mr. Rebates ($5 bonus), and BigCrumbs.

Fidelity Investments American Express – 2% Flat Cash Back

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(Update: Here’s a link to a new promotion which is offering $75 in points after $500 in purchases within 60 days. Not the best sign-up bonus, but this is for a solid everyday card. Details below.)

fidoamexWith the ending of the Schwab card, Fidelity Investments is the only brokerage offering 2% cash back on all purchases on their Fidelity Rewards American Express cards. There are three flavors, depending on if you want the money deposited into a Fidelity taxable account, an IRA, or a 529 college savings plan. I personally have mine deposited into a 529 although I don’t think Fidelity’s 529s are the best… that way I can see the growth of this rewards money. An IRA would be too confusing for me due to the stringent contribution limit rules. (If you’ve maxed out the limit, they say that they will automatically defer the rebate until the next year. But what if you have a partially phased-out limit due to income, and your limit is reduced to $2,350? How would they know that?)

In terms of catches, there are no only minor ones. First, to get your 2% value the money must be deposited into a Fidelity account. It appears that their new Fidelity Cash Management account has no opening minimum, but if you want to make some trades the Fidelity brokerage account you will need $2,500 to open that (no ongoing minimum balance requirement). I would open your Fidelity account first to make sure you have no issues.

Second, the rewards only come in $50 increments:

Customers earn 2 points for each $1 in net retail purchases. Once you reach 5,000 points, they can be redeemed automatically or on demand for cash at a 1% exchange rate into an eligible Fidelity account (i.e. 5,000 points = $50 deposit).

So a $49 rewards balance = $0 in your pocket. It will roll over each month until the balance goes above $50, when the entire thing (i.e. $62.54) will arrive in your Fidelity account. Then the $50 hurdle kicks back in.

Finally, it is an AmEx and not a Visa/Mastercard, but I’ve found the number of merchants accepting American Express much improved since 10 years ago although there are still gaps in areas like utilities, insurance, and small mom & pop restaurants and stores. No annual fee.

Barclaycard Arrival World MasterCard Review: $400 Bonus Value + 2.2% Cash Back Towards Any Travel

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(Update: The spending requirement to get this 40,000 point bonus has increased from $1,000 within 3 months to $3,000 within 3 months. This makes the offer more aligned with the Chase Sapphire Preferred card with a similar 40,000 point bonus. So if you’ve been on the fence, now might be a good time to apply.)

The new Barclaycard Arrival(TM) World MasterCard® – Earn 2x on All Purchases is a new premium travel rewards card with a nice sign-up bonus and also works out to 2.2% cash back towards travel. This results in card that may be the best option for people who like to travel but aren’t loyal to any specific airline program.

Sign-up Bonus: 40,000 miles = $400 off your next trip
There is a limited-time sign-up bonus of 40,000 miles after you make $3,000 in purchases in the first 90 days from account opening. This is double the previous bonus of only 20,000 miles. 40,000 bonus miles equates to $400 off your next travel redemption!

Rewards Structure: 2.22% Cash Back Towards Any Travel
With this card, you earn 2 miles per $1 spent on all purchases; 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.

On top of that, the card gives you a 10% miles rebate when you redeem for any travel. So in that 40,000 redemption example above, you would actually get you 4,000 back for a net cost of 36,000 miles. Getting $400 of value out of 36,000 miles at 2X miles/$ spent works out to 2.22% cash back towards any travel. That is very high in terms of easy conversion to cash value.

Card Summary

  • Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next travel redemption!
  • 0% intro APR on purchases and balance transfers for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness
  • Earn 2X miles on all purchases
  • No mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel statement credits (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use your card to book through any airline, hotel or discount travel engine with no blackout dates or seat restrictions
  • Easily redeem your miles for statement credits towards all or a portion of your travel purchases within the last 90 days
  • Complimentary online FICO® Score access for Arrival cardmembers

There is a $89 annual fee that is waived for the first year. Balance that with the $400+ opening bonus + 2.22% cash back the first year, and the ongoing 2.22% cash back past the first year. There is also a Barclaycard Arrival(TM) World MasterCard® with no annual fee that is similar but has a lower 20,000 bonus miles but only 2X miles on travel and dining purchases as opposed to all purchases. I will probably try to downgrade the card to the no annual fee version after a year if I don’t think the 2X miles is working out for me. Barclays does offer instant approval; if you don’t get it call their credit analyst line at 1-866-408-4064.

OptionsHouse Free iPad Mini Promotion

Online stock brokerage firm OptionsHouse has a promotion where new customers* can get a free iPad Mini (16gb WiFi model w/ Retina display, $399 value) if you satisfy the following requirements:

  • $10,000 minimum funding required
  • Must fund within 30 days of completing application
  • Must make 30 commissionable trades ($4.75 each)
  • Must complete those 30 trades within 90 days of account funding
  • IRA accounts are not eligible
  • Must not withdraw to below minimum funding level for 180 days (market fluctuations okay).

*You cannot have a current Optionshouse account or maintained an account with them during the last 30 days.

30 trades times $4.75 a trade is $142.50 in commissions. iPad Mini with Retina 16GB is $399 at Apple store and even $399+ on Amazon. According to the terms, retail values under $600 will not be including on your 1099 form. Seems like a good promo for a new iPad, especially if you’re looking to try out a new brokerage firm and need to make a number of trades anyway to establish your positions.


Get a free iPad Mini at OptionsHouse

Groupon $10 off $40 Code – Presidents Day Weekend

Presidents Day Weekend Special. Get $10 off a Groupon of $40 or more (Local deals only) with promo code 10OFF40LOCAL. Valid 2/15 through 2/17 at 11:59pm PST.

LivingSocial 20% Off Code – Presidents Day Weekend

Presidents Day Weekend Special. Get 20% off at LivingSocial.com with promo code 2014PRESDAY. Valid 2/15 through 2/17 at 11:59pm PST. Good for purchases of any amount, but maximum discount is $20. Savings will be reflected on the final purchase confirmation page.

Discover Card 5% Back at Chevron and Texaco Gas Stations

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Just saw this today while filling up at a Chevron. Discover cardholders can get 5% cashback at Chevron and Texaco gas stations from now until March 31st, 2014. Subject to a cap of $250 in purchases. Must sign up first by going to Discover.com/chevron and then logging into your online account. The next screen should look like this:

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This is in addition to the standard 5% back categories on the Discover it card, currently 5% back on up to $1,500 in purchases at restaurants and movies for 1st quarter of 2014. The Chase Freedom card also has gas stations as one of their 5% back categories for Q1 2014 if you have that card (good for up to $1,500 in purchases).