American Airlines Free Bonus Miles – Facebook Required

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aapassAmerican Airlines has a new AAdvantage Passport Challenge where you can earn free bonus miles for various small activities:

  • Play trivia and other games to earn up to 700 miles
  • Share and complete social actions to earn up to 350 miles
  • Take flights to earn over 9,000 miles

You’ll need a Facebook account, but it does present a good way to reset your miles expiration date at no cost. AA miles currently expire after 18 months of inactivity.
You should get 50 miles just for the Like, but I also did the first quiz “New American Trivia” to make sure I get some miles. You get less points if you missed questions, so here are answer hints:

  • More 330 locations, more than 50 countries.
  • Last 4 airports are Chicago O’Hare, Charlotte Douglas, Philadelphia and Phoenix.
  • American Eagle
  • aa.com/findyourway
  • All of the above.

Update: I did the 2nd tail fin quiz too. They were the same for both of our accounts, so here you go: 323 121 322 132.

That was the low-hanging fruit, I skipped the rest for now. Per the terms and conditions, “Bonus miles will be awarded within 3-4 weeks after the promotion period has ended”.

Uber Car Service Promotion Codes: Free $$ Ride Credits

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Update: Get over $100 in additional free ride credit from competing car services here!

Uber is a service that allows you to summon a ride via a private car or taxi using just your smartphone. All payment including tip is put on your credit card via the smartphone app, making it a cashless transaction. Your smartphone knows where you are, so you can tell how far away the nearest car is as well as estimate your total fare ahead of time.

There are a few different flavors (from cheapest to most expensive): UberX, UberTAXI, UberVAN, UberBLACK (black town car), UberSUV, UberLUX. UberX involves private individuals driving their personal cars, and recently announced price cuts in 36 cities making them 25% cheaper than taxis.

Right now new users can get $30 off their first ride by signing up for a new account using this invite link: https://uber.com/invite/uberMYMONEYBLOG. This is triple the usual $10 offer for a limited time, and contains my personal referral code uberMYMONEYBLOG for which I’ll get a free ride as well. Works anywhere in the USA. Good for all ride options.

(You can no longer stack multiple promo codes on top of each other.)

Bonus: Get $25 credit towards any hotel stay booked through the Hotel Tonight app. Sign up online at this link with promo code JPING2 for $25 in credit (new customers only). Then download the Hotel Tonight app (Apple or Android). More info here.

Kapitall Brokerage Promotion: $100 Bonus for $1,000 Deposit

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kapitallKapitall is basically a brokerage with a user interface like a video game. Their motto is “Drag, Drop, Trade. It’s that simple.” I don’t think the idea of equating stock trading with a game is a good lesson for long-term investors, so I’m not a big fan. In general, the more a person trades, the lower their returns.

However, Kapitall is offering a up to $200 bonus promotion that is worth mentioning. New customers who open and fund an account by March 31, 2014 can earn the following:

  • Deposit $50-$999, get $50.
  • Deposit $1,000-$9,999, get $100 and 1,000 Kapitall Koins.
  • Deposit $10,000+, get $200 and 2,000 Kapitall Koins.

The $100 for $1,000 deposit is essentially a 10% bonus and I don’t see any minimum holding period or trade requirement. On a separate page. they do appear to add a 180-day minimum holding period for the initial deposit and one minimum trade. But if you want to withdraw your money, you’ll have to make a minimum of two trades (buy and sell).

$200 for $10,000 is only a 2% bonus but that’s still not a terrible risk-free return over 180 days when compared with current bank rates of 1% interest over a full year.

(Kapitall Koins are their form of reward points. As a reference, 2,000 Koins = 1 free trade worth $7.95.)

Fees and Commissions
Their commissions are $7.95 with no account maintenance fees and no inactivity fees. Paper statements and trade confirmations are $5 each so you should be sure to accept paperless statements. Here is the full fee schedule.

[Read more...]

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.

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

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The Barclaycard Arrival Plus(TM) World Elite MasterCard® 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. 40,000 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. That means you have the flexibility to redeem towards any airline purchase to any destination with no seat restrictions and no blackout dates.

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 on purchases in the first 90 days – that’s enough to redeem for a $400 travel statement credit.
  • Earn 2X miles on all purchases
  • Miles don’t expire as long as your account is open, active and in good standing
  • Chip card for increased confidence and convenience to pay abroad as easily as you do at home
  • Book the travel you want – airfare, hotels, cruises and more and earn miles on your purchase
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • No foreign transaction fees on anything you buy while in another country
  • Complimentary online FICO® Score access for Barclaycard 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 (the rest get 1x miles). I will likely 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.