Paribus: Automatically Request Price Drop Savings

paribus_logoMany online retailers offer a “Low Price Guarantee”, which doesn’t mean they actually have the lowest prices but only that they will match a lower price if you find it and ask for your money within a certain time window. Sometimes they’ll match certain competitors, and sometimes they’ll only match themselves.

For example, let’s say you buy some shoes and you find that a week later they are $25 less. If you don’t both notice and ask using the proper channels, you won’t get that $25 adjustment.

Paribus is a start-up which promises to help you automatically request price adjustments on all your online purchases. They’ll even see if you could have saved more using another coupon code. Thanks to reader Colin for the tip.

What does it cost? The service makes money on a contingency basis, taking 25% of any savings found. If it doesn’t save you money, it doesn’t get paid.

What merchants does it support? Here’s the current list:

  • Target
  • Wal-Mart
  • Bloomingdale’s
  • Best Buy
  • Macy’s
  • Staples
  • Bonobos
  • J. Crew
  • Nordstrom
  • Gap
  • Banana Republic
  • Old Navy
  • Athleta
  • Piperlime

Any concerns or catches? Well, in order for their bots to do their thing (and basically impersonate you), you’ll need to hand them a decent amount of information. I signed for an account and this is what they wanted:

  • Control over your e-mail address. You will need an e-mail from a major provider (Gmail, Yahoo, Hotmail, or iCloud) and either need to authenticate them or give them your e-mail password. They need the ability to both scan your e-mail for receipts and send e-mails requesting refunds on your behalf.
  • Your password. If you want to utilize Amazon’s price match policy, you’ll have to give them your account password (which they promise to keep encrypted on their servers).
  • Your credit card information. Most retailers will credit your money onto the same payment method as the original purchase, so you’ll have to leave a credit card on file with Paribus for them to charge their finder’s fee.

A workaround for e-mail privacy concern would be to create a special e-mail address for shopping (i.e. and then set up auto-forwarding of everything going to that “dummy account” to your normal e-mail address (i.e. That way, you can just check your normal e-mail and still get all your online receipts.

I just signed up for an account today, but here’s a screenshot which shows some theoretical savings:


This does seem like a good idea for a service, although the merchants probably won’t like it as they profit when we are lazy and uninformed. I don’t like the idea of giving out my Amazon password, but really that is the only online merchant that I use regularly. The final question will be if their execution lives up to the promise of “set-it-and-forget-it” savings.

More: TechCrunch

Google Translate: Free, Real-Time Language Translation While Traveling

gtranslateicoBack in 2014, Google bought Word Lens, a neat app that translated a few languages in real time using your smartphone’s camera. The live translation feature has been integrated into the Google Translate app (Android and iOS) and now works with 27 languages. If you snap a picture, it works with 37 languages.

This means when traveling to a foreign country, just point your phone at a restaurant menu, grocery store item, or street sign and you’ll see it in your home language. This counts as a deal for me because I would pay money for such a convenient and useful app. But it’s free, and you don’t even need an internet connection to use it (assuming you download the appropriate language packs ahead of time).

Here’s a cool video demonstration (embedded below, direct link):

Here’s the announcement on the official Google blog:

We started out with seven languages—English, French, German, Italian, Portuguese, Russian and Spanish—and today we’re adding 20 more. You can now translate to and from English and Bulgarian, Catalan, Croatian, Czech, Danish, Dutch, Filipino, Finnish, Hungarian, Indonesian, Lithuanian, Norwegian, Polish, Romanian, Slovak, Swedish, Turkish and Ukrainian. You can also do one-way translations from English to Hindi and Thai. (Or, try snapping a pic of the text you’d like translated—we have a total of 37 languages in camera mode.)

There is also a conversation mode where you can speak and it will provide instant translation of conversations across 32 languages (good for interactions at hotels, train stations, or taxis). I believe you’ll need an internet connection for this, but it supposedly now works better with slower connections.

I tried it out and while it really only works with clearly printed text, it is still an amazing application of augmented reality. I look forward to having it expand to even more languages like Chinese, Japanese, and Korean. Review: Free, Legal Online Will Software

I must admit that I procrastinated on setting up a will, much like many others. Ideally, an experienced, skilled estate lawyer would create something customized to your situation. But it is not always clear how to find such a person, or know what a fair cost would be. Maybe we just don’t like the idea of thinking about death.

If you don’t create a will, your state already has a default plan in place (look up the intestacy laws in your state) and it may not be what you would have chosen. Do you want a stranger appointing the guardian of your children? I tried to think of it as a gift to my family. A reader recently told me about, a new website that promises a free, legal will in about 10 minutes. Is such a service a good idea?

Here’s what The Consumerist (owned by Consumer Reports) had to say about other DIY will-making software:

Our wallet-watching cousins at the Consumer Reports Money Adviser newsletter took a look at three DIY options for will-making — LegalZoom, Rocket Lawyer and Quicken WillMaker Plus — and found that while all three are better than not having a will, none of them is likely to meet the needs of anything more than the most basic of estates.

I’d never heard of Willing before, but the other software costs $35 and up, so I took it for a little spin and took a bunch of screenshots (click to enlarge).

Overall, the interface was very pleasant and modern and mobile-friendly.

First, they will ask some basic information about you and your family. Names, genders, zip codes, and birthdates, but not Social Security Numbers. I suppose they aren’t required legally? At least it’s one less source of identity theft to worry about.

Next, they will ask you how you want to handle your property…



.. and final arrangements.


Who do you want to carry out your wishes?


When you’re done with the questionnaire, your will is created and customized to your state.


You can then print or download your complete will as a PDF, and also create an optional living will.


At no point do you see any advertisements nor do they ask for any payment information. The last screenshot does provide a hint as to the future revenue model for Willing – perhaps they will set up a way for you to prepay your funeral expenses (relieving your family of some stress and money) and get a little cut of that. That sounds reasonable to me if they are providing the will for free. Of course, if you live another 50 years, will you even remember shelling out that money?

I am not a lawyer and thus can’t vouch for the accuracy or quality of the will contents. As the Consumerist article states, one thing to worry about is outdated information if their software isn’t updated regularly. The final instructions tell you to sign the will along with two valid witnesses and that a notary is not required for the will to be legally binding.

The final document produced was only three pages long, although my theoretical situation was pretty simple. As I read through it, I started to see how such software would eventually become free. Indeed, while researching this post, I found several other “free will makers”, although had the best user interface and had the least amount of annoying ads.

It may not be optimal, but at least going through the Q&A process will make you aware of the various issues you need to think about. Who will take care of your kids if your spouse dies? Who is your backup heir? Your backup estate executor? Maybe just starting the process of putting your wishes down in writing is a good thing. Otherwise, I can see someone with a simple situation using this software, but don’t know if I could recommend such a service to my friends. If I really cared about how my estate was handled (i.e. I had a significant net worth and/or dependents), I would recommend hiring a lawyer instead. The question then becomes – Is there a better way to find a good estate lawyer than relying on word-of-mouth? Loss Leader Pricing on Everything + 1 Year Free Promo Code has officially launched its attempt to bring the Costco model to online shopping. That is, they plan on selling you things at near-zero profit margins and make their money on the annual $49.99 membership fee. The more stuff you add your cart, the lower the total cost. The more you buy from the same warehouse, the lower your total cost. Free shipping on orders of $35 or more.

This supposedly means prices that are 10% to 15% lower than Amazon on average, even listing the Amazon price right on their page for instant comparisons. How they show savings is a little confusing… things make more sense after adding it to your cart.

For example, this pack of toilet paper shows $21.05, the same price as Amazon. But I can save $9.06 by actually adding it to my cart, which brings the actual price to $11.99, much cheaper than Amazon. If I buy *two* packs, then my sub total is $42.10 which breaks the $35 barrier and gets me free shipping. But my actual total due is only $22.74, less than $35. Confusing, but hey it works out in my favor so I’m cool with it.



However, this model only works at a certain scale, and this WSJ article points out that they are often buying stuff from other competitors when they don’t have the item in their own inventory:

The Hoboken, N.J., company is absorbing steep losses on many orders filled as part of a trial run that began in March, largely because Jet hasn’t signed up enough partner merchants or opened enough warehouses to directly sell much of the merchandise shown on its website.

When a Jet customer buys items that aren’t in its inventory or available from partner merchants, a Jet employee buys the items from another website and has them shipped directly to the customer. That is expensive for Jet because the company often pays high shipping costs plus any difference between its advertised price and the amount charged by the outside website.

For example, The Wall Street Journal recently bought 22 items from Jet. Twelve were shipped to the Journal by retailers such as Wal-Mart Stores Inc., J.C. Penney Co. and Nordstrom Inc., according to sales receipts.

Jet’s prices for the same 12 items added up to $275.55, an average discount of about 11% from the prices Jet paid for those items on other retailers’ websites. Jet’s total cost, which also includes estimated shipping and taxes, was $518.46.

So in other words, the 11% pricing discount above is not due to an awesome business model yet. They are being artificially suppressed with investor money. Now, spending venture capital funds in the search for rapid growth is common for internet start-ups, but I don’t remember any of my early Amazon orders coming in a Barnes & Noble box.

As a consumer, I suppose the best thing to do is simply enjoy the loss-leader savings during your free trial and then decide if it’s worth $50 a year. Costco is highly profitable but even they offer their $4.99 rotisserie chickens as a loss-leader, missing out on $40 million a year in order to keep people coming in the door.

Update: People report success getting a free 1-year membership with promo code CURISMA. There is also the code FREE6 which gives you a free 6-month membership. If you signed up with Jet earlier, don’t forget that you may have gotten a 6-month free trial already. (The trial doesn’t start until your first purchase.) It appears on the normal website, they give out 3-month free trials.

Amazon Prime Day 7/15 : One-Day Sale for Prime Members

Expired: Sale is over! Amazon is holding something called “Amazon Prime Day” for their Prime members on July 15, 2015. Non-Prime members can sign up for a free 30-day trial to be eligible to participate. Here are the deals that caught my eye:

Also check out, as they announced that they will also compete with Amazon today with a bunch of deals. They also have Wal-Mart Dare to Compare Deals, where supposedly everything on the page is cheaper than Amazon (shipping may vary).

AirHelp, Refund.Me, AirTaxBack: Get Money Back For Cancelled, Delayed, or Missed Flights

airhelpHave you been on a delayed, cancelled, or overbooked flight to/from Europe within the last within the last three years? Ever just missed a flight? You could be entitled up to $800 from the airline, or a refund of your taxes and fees.

AirHelp and are services that help travelers claim compensation for certain flight problems. Too often, airlines convince folks to settle for food vouchers or drink coupons when they can claim cold, hard cash. Right now, they only appear to work with flights to and from the European Union. Specifically:

The flight passenger rights stated in the EC 261/2004. apply if you are leaving the EU with any airline or arriving in the EU with an airline registered in the EU (or Iceland, Norway or Switzerland). AirHelp helps passengers from all countries who have experienced delayed, canceled, or overbooked flights that are subject to this EU regulation.

You provide them with your information, and if they can use EU regulations to get your compensation (supposedly they’ll even take them to court), they’ll send it over (after taking a 25% cut). If they can’t help, there is no cost for you. It seems like if you’ve already experienced a delay or cancellation, it wouldn’t hurt to give them a shot. I haven’t had the opportunity to use either of these companies, so I can’t say which is better. is a related service that helps travelers get back Taxes, Fees and Charges (TFC’s) if you for any reason never went on a scheduled flight. Perhaps the flight was cancelled, you or a family member was sick, or even if you simply were late for the flight. Again, this appears to be based on European Union flight laws. They charges a finders fee in advance (from free to €10) after they determine that your application is valid and you are due a refund.

We estimate that in 2012 alone, airlines flying in and out of Europe held on to over €3.5 Billion in Taxes, Fees and Charges belonging to passengers that booked a flight but didn’t travel” We are looking forward to working with the great people from AirTaxBack as this is one more area where most passengers are currently unaware of their rights and are met with indifference, when trying to claim themselves.

Citi® Hilton HHonors™ Visa Signature® Card – 75,000 Bonus Points Promo

citihilton180emvThis Offer has Expired. The sign-up bonus for this card has also been bumped-up for a limited time. The Citi® Hilton HHonors™ Visa Signature® Card, from our partner Citi, is their no-annual fee co-branded card and comes with the following perks:

  • Limited Time: Earn 75,000 Hilton HHonors Bonus Points after making $2,000 in purchases within the first 3 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • Enjoy the benefits of HHonors Silver status as long as you are a cardmember*
  • No annual fee.*

This card is ideal for people who at least occasionally stay at Hilton hotels (as this card is also giving you a bunch of points and complimentary Silver status to try and get you to become more loyal). Hilton HHonors points are worth the most when redeemed for a hotel stay, as there aren’t really that many great cash-equivalent redemption options.

Silver Status perks include:

  • 15% bonus on all the HHonors Base Points you earn.
  • 5th night free on Standard Room Reward stays of 5 nights or more.
  • Complimentary in-room and lobby Standard Internet access during stays at Waldorf Astoria™ Hotels & Resorts, Conrad® Hotels & Resorts, Curio – A Collection by Hilton, Hilton Hotels & Resorts, DoubleTree by Hilton™, Canopy™ by Hilton, Embassy Suites Hotels™ and Hilton Grand Vacations™
  • Two complimentary bottles of water per stay (at Waldorf Astoria™ Hotels & Resorts, Conrad® Hotels & Resorts, Curio – A Collection by Hilton, Hilton Hotels & Resorts, DoubleTree by Hilton™, Embassy Suites Hotels™, Hilton Garden Inn™ and Hilton Grand Vacations™ hotels)

Hilton points redemption varies from month to month. You can use this search tool to see how much a hotel will cost in any specific area (i.e. Honolulu or Paris). Here are some example redemptions for the month of June:

  • Honolulu, Hawaii. Hilton Waikiki Beach is 40,000 points. Hilton Hawaiian Village Waikiki Beach Resort is 50,000 points.
  • San Francisco, California. Hilton San Francisco Union Square is 50,000 points.
  • Orlando, Florida. DoubleTree by Hilton Hotel at the Entrance to Universal Orlando is 20,000 points.
  • London, UK. DoubleTree by Hilton Hotel London – Tower of London is 60,000 points.

This Citi Hilton card is the version with no annual fee, the first year or any future year. If you have this card and are looking to sign-up again, please note this fine print:

Hilton HHonors Bonus Points offer not available if you have had a Citi Hilton HHonors Visa Signature Card account that was opened or closed in the past 18 months.

There is also another card called the Citi Hilton HHonors Reserve Card which has a $95 annual fee, but has better ongoing perks. I personally have the Reserve, but I can understand that some people prefer no annual fee.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”

Marriott Rewards Premier Credit Card: 50,000 Bonus Points Review

Marriott Rewards® Premier Credit CardMost travel cards offer an ongoing sign-up bonus, but it’s even better when you snag them during a limited-time bump-up – this time it is the Marriott Rewards® Premier Credit Card from Chase. The last time I wrote about their  offer was a year ago. The highlights for new Marriott cardholder include:

  • Earn 50,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening
  • Enjoy 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • For every $1 spent, earn 5 points at 4,000 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
  • The fastest way to earn Marriott Rewards points towards free nights
  • No limit to how many points you can earn
  • Pay no foreign transaction fees and enjoy wider acceptance when you travel with your embedded chip card and you make purchases at chip-enabled card readers
  • $0 Introductory annual fee, then $85

We’ve started traveling again as a family, so I looked through Marriott’s redemption offerings. Marriott properties include Ritz-Carlton, Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites. You can view their redemption chart here. Redeem 4 nights and get the 5th night free. Hotels on their PointSavers list have temporarily reduced redemption costs.

50,000 points is enough to get you a night at any Category 8 hotel in the world. Or, 50,000 points can get you two nights at any Category 4 hotel plus a little left over. Or, it could get you five nights at a Category 2 hotel. The free night award can be used for up to a Category 5 hotel. In the top right corner of the redemption chart link, you can view a comprehensive list of what hotels are in any specific category. Here are some options that caught my eye.

Ritz Carlton Tier 5 (Highest tier, 70,000 points a night)

Category 8 Hotels (40,000 points per night, 35,000 if Pointsaver)

Category 7 Hotels (35,000 points per night, 30,000 if Pointsaver)

Category 6 Hotels (30,000 points per night, 25,000 if Pointsaver)

Ritz Carlton Tier 1 (30,000 points per night, 20,000 if Pointsaver)

Category 4 Hotels (Eligible with Cat 1-5 Certificate or 20,000 points per night standard, 15,000 if Pointsaver)

  • Orlando: Courtyard Orlando Lake Buena Vista at Vista Centre
  • Orlando: Courtyard Orlando Airport
  • Orlando: Fairfield Inn Orlando Airport
  • Orlando: Fairfield Inn & Suites Orlando at SeaWorld®
  • Orlando: Fairfield Inn & Suites Orlando Lake Buena Vista in the Marriott Village
  • Orlando: Courtyard Orlando International Drive/Convention Center
  • Orlando: SpringHill Suites Orlando Airport
  • Orlando: Fairfield Inn & Suites Orlando International Drive/Convention Center

As always, hotel points are only good if you can use and enjoy them. Poke around their award listings – Marriott has a lot of different hotel brands to choose from. The Courtyards I’ve stayed in have been modernized and updated, while SpringHill Suites are nice for families. I’ve also gotten to stay at some terrific properties thanks to such point promotions, although I tend to value location and convenience over the bling factor. There is an $85 annual fee that is not waived the first year.

If you’ve gotten a bonus from this Marriott Rewards® Premier Credit Card within the last 2 years, please note the following:

This 50,000 bonus point offer is available to you as long as you have not received a new cardmember bonus for this product in the past 24 months.

I was wrong initially as Marriott points are convertible to gift cards, but it takes 60,000 points to redeem for a $200 gift card for Marriott or retailers like Best Buy, Home Depot, or Nordstrom. That ratio isn’t all that great, you’ll definitely get the most value out of your points if you stay at Marriott hotels.

On your account anniversary, you’ll get a certificate for a free Category 1-5 night which you can weigh against another $85 annual fee. As long as you can use that certificate for a decent hotel, getting $85 value is certainly achievable. For example, a random night at the (Category 4) Courtyard Orlando Lake Buena Vista at Vista Centre was $115 when including taxes.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.  “The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.”

Snagshout: Discounted Amazon Products In Exchange For Honest Reviews

thermoIf you’re like most Amazon shoppers, you don’t like buying anything unless it has a lot of positive 4 and 5 star reviews. But that makes it really hard for new brands and products to gain traction. Good ole’ capitalism has created a new breed of websites that offer limited amounts of heavily discounted products in exchange for honest reviews. Here’s how most of them work:

  • You are given a special discount code that lets you purchase a product at a steep discount, for example a $20 value product for $1 or $2. Most of these products will work with Amazon Prime, so that your $1 item can ship free on its own (otherwise you’ll have to add it onto a larger order to get free shipping).
  • By purchasing this product at discount, you agree to leave an honest review after using it. Don’t leave a review before receiving the product.
  • Your review must state that you’ve “received this product at a discount in exchange for a review” or a similar disclosure.
  • You will not be able to claim another discount until your review is verified live on
  • You agree not to resell the items you bought, under penalty of removal from future promotions.

You may think this sounds shady, but the Amazon Vine program works in a very similar way with the manufacturers and vendor supplying free review samples to their “top” reviewers. Amazon’s own policies state that sellers cannot provide compensation for a review, but sellers can offer a free or discounted product in exchange for an unbiased, unedited review.

You don’t need to be a high-volume reviewer for these sites, but you will need to have an Amazon customer account that you’ve actually bought something with, and I think you should have at least one previous review under your belt as well.

Here are the “discount-for-review” sites that I am aware of. I’m sure I’m missing some.

While some these sites give the impression that they prefer staying in the shadows (“secret”), Snagshout actually hired a PR firm and sent me a press release:

Snagshout, a new social deals website, launches today to provide a unique shopping experience to consumers by offering deep discounts on a wide range of retail products for purchase, use and review. The site connects shoppers looking for deals with merchants looking to gain traction with new items on Amazon. With deals organized into nine categories such as beauty, toys and media, users can easily search for new products. Most of the deals are between 30-90% off of regular retail price for Snagshout users who are willing to try the product and leave an honest review within two weeks of purchase.

I was a former member of 1bucktoday and just signed up for Snagshout, but really the only thing that interested me there was this instant-read thermometer that I bought for $2 even though the historical price is around $18. (Summer is here and I’ve been grilling a lot recently.) I noticed that there are a lot of non-FDA-approved nutritional supplements on these sites.


While these sites may not currently violate Amazon’s terms and conditions, that could always change. Amazon has already had to deal with bad press from websites that just straight-up sell fake reviews. While this is not the same thing, I doubt that Amazon likes it. Enjoy these sites while they last!

Note: I am not affiliated with any of the review websites mentioned in this post.

Current Amex Special Offers: Target, Wal-Mart, BJ’s Warehouse, iTunes (Targeted)

amexoffersUpdated 7/1/15. American Express cardholders can participate in “AmEx Offers” which offer discounts to various merchants. These promotions often offer the opportunity for easy savings without changing your spending habits. Sometimes I just buy a gift card if I go the store regularly.

Right now, there are some good targeted offers which you may or may not find in your account, but it is worth checking:

  • Target and Walmart. Spend $100+, Get $30 Back. Up to 5x. In-store only. Ends 7/31/15. I was surprised to see this in my account; I usually don’t get the good offers anymore. $30 back on $100 times 5 is up to $150 total savings back, and I can buy Target gift cards to get to $100. Good deal if you shop here anyway! Here’s selected fine print:

    Valid in-store only. Valid at any participating location in the US. Target exclusions: Vision Optometry & Clinics. Walmart exclusions: Site to Store (in-store pick up service); Vision Optometry; Coinstar; Clinic; Tax Services; Cafes & Coffee Shops; Beauty/Salon/Hair Cuts; On site restaurants/Dining; On site Gas; 3rd party telecom provider services. Enrollment limited. Offer is non-transferable. Only U.S.-issued American Express® Cards are eligible for this offer. Limit 5 statement credits per American Express online account. Must add offer to Card and use same Card to redeem. Statement credit will appear on your billing statement within 90 days after 7/31/2015, provided that American Express receives information from the merchant about your qualifying purchase.

  • BJ’s Warehouse. Spend $100, Get $30 Back or Spend $50, get $25 Back. Up to 3x. In-club only. Ends 8/15/15. Can apply to membership fee. “Get a $30 statement credit by using your enrolled Card to make a single qualifying purchase of $100+ in-Club by 8/15/2015. You can get up to 3 statement credits, so enjoy multiple trips to BJ’s!”
  • iTunes, App Store, or iBooks. Spend $5+, Get $5 Back. AmEx wants to be your linked card of choice on these platforms.
  • Google Play. Spend $5+, Get $5 Back.
  • Uber. Spend $15+, Get $5 Back.
  • Spend $50+, Get $20 Back.

Each separate card, including authorized users, may have different offers available to them. Although as commenter Oleg notes “If you have multiple cards and you activated for an offer on one of them, this offer may disappear from others. You can open several tabs, retrieve each card separately and apply for an offer.”

Here are the various ways to access these offers:

  • Log into your AmEx account online and scroll down until you see the “Amex Offers For You” tab.
  • Use the AmEx smartphone app.
  • Access via social media at – Facebook, Twitter, Foursquare, and TripAdvisor.
  • Not everyone can access every offer, but the ones on Twitter tend to be available to everyone. You can track these easily on their Favorites page.

Chase Freedom: $100 Sign-Up Bonus + 2015 5% Cash Back Categories

Chase Freedom Visa4th Quarter 5% cash-back categories now open for activation.  The Chase Freedom® – $100 Bonus is a popular rewards card, due primarily to the fact that there is no annual fee and the ability to get 5% Cash Back on up to $1,500 in combined purchases in bonus categories each quarter.

Here are all the highlights:

  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% total cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and It’s free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open

2015 5% Cash Back Categories

Chase Freedom Visa Categories

From October 2015 through December 2015


Activate each quarter at or call the number on the back of the card.  The categories usually include at least one big-spending area, and seem to go with the seasons (home improvement for spring, gas and travel for the summer). This is another “keeper” card for me, as I can keep it around and use it when the bonus categories fit my spending needs.


Chase Freedom Visa Banner

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”

“The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.”



All-Clad VIP Factory Sales: Limited-Time Discounts on Lifetime Cookware


All-Clad cookware is known to be very high quality, but also quite expensive. If you cook often, then the prices aren’t so bad when you consider that the stainless steel pans will essentially last forever (skip the non-stick stuff). Frugal home cooks know that All-Clad has (semi-annual?) Factory Sales that offer the same pans with slight cosmetic blemishes for significant discounts. These still come with the same lifetime warranty as if you’d bought them at Williams-Sonoma. (Really, who cares about dents and scratches when it comes to cookware!)

The products which are for sale on this site are FACTORY SECONDS. They have minor cosmetic scratches and/or dents. There are no defects which will affect the cookware’s performance. For this event, all sales are final, no returns will be accepted.

Usually, first there is a huge in-person sale near their headquarters – last one was in Washington, Pennsylvania. After that, they have a semi-secret online sale, which is going on right now from June 15 to June 17th. Visit this link and use the pass code ACVIP15, thanks to mrdjman of FW. I was also given the access code via All-Clad e-mail so it should be open to all.

(The physical sale already happened last week, sorry! For future reminders, anyone can like their All-Clad Facebook page or send an e-mail to to get on their mailing list.)

I’ve been tracking these for a couple years after I was gifted a set of All-Clad fry pans. America’s Test Kitchen often finds All-Clad pans to be the “best” when price is no object, but in terms of quality/price ratio, that is debatable. However, I do love the hefty feel and balance of my All-Clad pans and have come to appreciate quality in cookware after using my Le Creuset and Staub dutch ovens. As a lazy shopper, I just like the idea of buying something once and never worrying about it again.

The current sale has a much better selection than the other recent ones I’ve seen, so if you’re ready to buy then now is a good time. Or just browse now and think about it while signing up to be notified of the next one. Even on sale, this stuff is spendy. 😉