Top 10 Best Credit Card Bonus Offers – April 2021 (Updated)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Updated April 2021.That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. We do this multiple times a year for thousands of dollars in extra income. These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:

  • Added Venture 100k/$1,000, IHG 125k+Free Night, Sapphire 80k/$1000, Delta 70k, Hilton 100k + $100 w/ no annual fee.
  • Removed Southwest w/ Companion Pass, JetBlue 60k, Hyatt 50k, United 70k, Freedom Flex Grocery offer, Barclays AA, Marriott 5 Free Nights.

This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.

Chase Sapphire Preferred Card

  • 80,000 Ultimate Rewards points (highest ever, worth $1,000 minimum towards travel and more) after $4,000 in purchases within the first 3 months. Up to 25% boost in Ultimate Rewards redemptions. See link for details.
  • + Up to $50 in statement credits towards grocery store purchases. Just spend $50 at any grocery store in your first year after opening, and get $50 in statement credits.
  • Pay Yourself Back: 80k points = $1,000 back on dining, groceries, and home improvement through 9/30/21.
  • 2X points on Travel and Dining at restaurants worldwide.
  • $95 annual fee.
  • Subject to 5/24 rule.
  • Alternative: Chase Sapphire Reserve Card. 60k bonus worth $900 towards UR travel. Up to 50% boost on Ultimate Rewards redemptions, 3X on Travel and Dining, Priority Pass airport lounge access, $550 annual fee, $300 annual travel credit.

Capital One® Venture® Rewards Card

  • 100,000 miles (worth $1,000 towards travel) after $20,000 in purchases within the first 12 months. See link for details.
  • 2X miles on ALL purchases..
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

IHG Rewards Club Premier Card

  • 125,000 IHG Rewards club points + 1 Free Award Night after $3,000 in purchases within the first 3 months. Award night up to 40k points value. See link for details.
  • Free Night after each account anniversary year (valued up to 40,000 IHG points).
  • 4th Award Night Free (Book 3 nights in a row with points, 4th is free)
  • $89 annual fee.
  • Subject to 5/24 rule.
  • Don’t like annual fees? The no-annual fee Traveler version is now at 60,000 IHG points.

Gold Delta Skymiles Card from American Express

  • 70,000 Delta Skymiles after $2,000 in purchases in the first 3 months. Limited-time offer expires 04/28/2021. See link for details.
  • 70,000 Skymiles are worth at least $700 in Delta airfare with “Pay with Miles” option.
  • First checked bag free on Delta flights ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Hilton Honors American Express Surpass Card

  • 150,000 Hilton Honors bonus points after $2,000 in purchases within first 3 months. Limited-time offer. See link for details.
  • Additional $150 statement credit after first purchase of any amount within first 3 months.
  • Weekend Night Reward certificate after you spend $15,000 in purchases in a calendar year.
  • $95 annual fee.
  • You can also get 100,000 points + $100 for their no annual fee version.

American Express® Rose Gold Card

  • 60,000 Membership Rewards points after $4,000 in purchases in first 6 months. Limited-time offer. See link for details.
  • $120 in Uber Cash annually (good towards Uber Eats or Uber rides in the US).
  • $120 in annual dining credit at Grubhub, Seamless, and more.
  • 4X points at at restaurants worldwide.
  • 4X points at US supermarkets, on up to $25,000 per year.
  • $250 annual fee.

The Platinum Card from American Express

  • 75,000 Membership Rewards points after $5,000 in purchases in first 6 months. See link for details.
  • 10X Membership Rewards points per dollar spent at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s up to another 150,000 points!
  • $200 in Uber/Uber Eats credits annually.
  • 5X Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • Best airport lounge access program including Delta SkyClub and exclusive Centurion lounges.
  • $550 annual fee.

Citi / AAdvantage Platinum Mastercard

  • 60,000 American Airlines miles after $3,000 in purchases in the first 3 months. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Citi Premier Card

  • 60,000 points (worth $750 towards travel booked at ThankYou.com) after $4,000 in purchases in the first 3 months. See link for details.
  • 3X points for every $1 spent on travel including gas stations.
  • Must not have gotten bonus from or closed a Citi Rewards+, ThankYou Preferred, Premier, or Prestige card in the past 24 months.
  • $95 annual fee.

Bank of America Premium Rewards Card

  • 50,000 points (worth $500 towards travel) after $3,000 in purchases within the first 90 days. See link for details.
  • 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
  • $100 annual Airline Incidental Statement Credit.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Hawaiian Airlines World Elite MasterCard

  • 60,000 Hawaiian miles after $2,000 in purchases within 90 days. See link for details.
  • Free first checked bag for primary cardmember when using your card to purchase eligible tickets directly from Hawaiian Airlines.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

U.S. Bank Altitude Reserve Credit Card

  • 50,000 bonus points ($750 value towards airfare) after $4,500 in purchases within 90 days. See link for details.
  • $325 in annual statement credits towards travel and takeout, food delivery and dining purchases per Cardmember year (based on account opening date)
  • Up to $100 statement credit for Global Entry or TSA PreCheck.
  • Priority Pass Select membership for airport lounge access.
  • $400 annual fee. (Bigger bonus, big annual fee.)

If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. I mostly use my rewards points on domestic economy flights, mid-range hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.

Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Chase IHG Rewards Club Premier Card Review: 125,000 Points + 1 Reward Night Bonus

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

The Chase IHG Rewards Club Premier credit card is the IHG hotel co-branded card that includes special IHG perks like a free night award every year you keep the card and every 4th award night free. The limited-time offer was changed from 140k points to 125,000 points + a free night reward certificate worth up to 40k points, so that could be considered an improvement. Here are the highlights:

  • 125,000 bonus IHG points + 1 Reward Night after $3,000 in purchases within the first 3 months. Reward Night Award E-Certificate valid for one-night stay at a property with a redemption level of up to 40,000 points.
  • Another Free Night award after each account anniversary year at eligible IHG hotels worldwide. Valid at IHG Hotels with a current point redemption level up to 40,000 points.
  • 4th Award Night Free. You get an additional free reward night when you redeem points for any stay of 4 or more nights. That means if you use points to pay for 3 nights in a row, the 4th night is free. You can even book 8 award nights total and get two of them free, and so on. Works on any award level.
  • 25X points total per $1 spent when you stay at an IHG hotel.
  • 2X points at gas stations, grocery stores, and restaurants and 1 point per $1 on all other purchases.
  • Platinum Elite status included as a Premier card member. IHG points also don’t expire when you are an Elite member.
  • Global Entry or TSA PreCheck® fee credit of up to $100 every 4 years as reimbursement for the application fee charged to your card.
  • No foreign transaction fees.
  • $$89 annual fee

Please note the following:

This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.

This offer is for the new “IHG Club Premier” card, so this language means that if you have the older and different “IHG Club Select” card, you can still apply for this card and get the sign-up bonus.

What can you get with IHG points? The best redemption value for IHG points is for free hotel nights. The other options offer significantly less value. While the points don’t translate directly to a dollar value, but overall you should expect around 0.60 cents of value per point, which would make 140,000 IHG points worth an estimated $840 value. You can perform the calculations for hotels that fit your needs. I tried a bunch of other various combinations and got between 0.5 cents and 0.8 cents per point equivalent value.

(IHG points are worth less than other points like Hyatt or Chase Ultimate Rewards points, but you get a lot more of them with this bonus!)

IHG stands for Intercontinental Hotel Group which has over 5,000 hotels including the following brands:

  • Intercontinental Hotels & Resorts
  • Crowne Plaza
  • Kimpton
  • Holiday Inn, Holiday Inn Express
  • Staybridge Suites
  • Candlewood Suites
  • Hotel Indigo
  • EVEN Hotels

Fourth Reward Night Free

For each standard room Reward Night stay of 4 or more nights, every 4th night is free. Applies only to 4 or more consecutive nights within the same Reward Night point redemption room stay at the same property. With this benefit, eligible members will be charged the Reward Night point redemption rate for the first 3 nights, and 0 points for the 4th night of the stay, as applicable. Members can utilize the 4th Reward Night Free benefit on an unlimited number of stays annually.

IHG points expire after 24 months of inactivity, so if you keep up your activity then you can save up these free nights for later. Chase Ultimate Rewards points also convert to IHG points.

Total of 25x points per $1 spent when you stay at IHG. Here’s how this breaks down: Earn 10X points per $1 spent as an IHG® Rewards Club Premier Credit Cardmember + 10X points per $1 spent from IHG® for being an IHG® Rewards Club Member + 5X points per $1 spent from IHG® with Platinum Elite Status, a benefit of this card = total of 25X points total at 5,400+ IHG® hotels & resorts.

I would book my IHG nights on this card, but not my everyday purchases on an ongoing basis.

  • 2 IHG points per $1 spent at gas stations, grocery stores, and restaurants.
  • 1 IHG point per $1 spent on all other card purchases

I would keep this card if you can use the anniversary night certificate with the 40,000 point maximum value. You should be able to get $89 value out of it as long as you need a hotel night. Stay must be completed within 12 months from date of issue.

Don’t want a card with an annual fee? The no-annual fee Traveler version is has a 60,000 IHG point bonus.

Bottom line. The Chase IHG Rewards Club Premier credit card has a current sign-up bonus boost of 140,000 IHG points. This is a limited-time offer and higher than the standard bonus. As with most of these co-branded cards, the best value is obtained if you can redeem for IHG hotel nights.

I will be adding this to my list of Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Blue Business Plus Card from American Express Review: 2X Points on ALL Purchases Up to $50k/Year

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

The Blue Business Plus Credit Card from American Express is a business rewards card that features double Membership Rewards points and no annual fee. Therefore, if you can redeem for more than 1 cent per point of value, this card has the potential to beat a flat 2% cash back card. This is currently my primary business credit card.

  • 2X Membership Rewards points on the first $50,000 in purchases each year. 1X Points on purchases thereafter.
  • 0% Intro APR on purchases for 12 months.
  • No annual fee.

Better than 2% cash back? Membership Rewards points can be converted to the following airline miles (there are more, this is just a selection):

  • Delta SkyMiles
  • Hawaiian Airlines
  • ANA Mileage Club (partner of United Airlines)
  • Air Canada (partner of United Airlines)
  • British Airways (partner of American Airlines)
  • FlyingBlue (Air France/KLM)
  • Virgin Atlantic
  • Virgin America

If you value any of these miles at more than 1 cent per mile, then you would be getting more value than a 2% cash back card. You also add the ability to keep all your Membership Rewards points active with no cost, as this card has no annual fee.

My backup redemption plan. This card can earn the equivalent of 2 Delta miles per dollar spent. Delta has a “Pay with Miles” option that lets me get 1 cent of Delta airfare for each Delta miles, I am always able to get 1 cent of value from 1 Membership Rewards point as I fly Delta regularly. Of course, I try to do better than that, but at least I have a backup plan to get 2% value back.

Unfortunately, there are many redemption options for Membership Rewards points that are worse than 1 cent per point value. Here are a few examples:

  • Shop with Membership Rewards Points (~0.5 cents per point)
  • Shop with Points at Amazon.com (~0.7 cents per point)
  • Use points at BestBuy.com (~0.7 cents per point)
  • Gift Cards (varies from 0.5 up to 1 cent per point). For example, I have redeemed 10,000 points for a $100 Home Depot gift card recently.

If you don’t expect to get at least 1 cent per mile value, then you should stick with a 2% cash back card.

Business credit card eligibility. Many people aren’t aware that they can apply for business credit cards, even if they are not a corporation or LLC. Any individual can be a small business. Perhaps you sell items on eBay, Craiglist, or Etsy. Maybe you do some graphic design, web design, freelancing and/or consulting. If you received a 1099-MISC tax form and filled out a Schedule C, that means you have business income, you pay self-employment taxes, and you’re a sole proprietorship. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

This card will require you to personally guarantee that you’ll pay them back what you charge on the card, which means they’ll check your personal credit score like any other consumer card. However, as the card is a business card, American Express won’t have it show up on your personal credit report, so it won’t change things like your credit limits, average account age, or credit utilization ratio.

Bottom line. The Blue Business Plus Credit Card from American Express is a unique small business card in that it earn 2X Membership Rewards points on ALL purchases up to $50,000 per year with no annual fee. The ability to transfer to miles means that you’re effectively earning 2X miles per dollar spent with no annual fee. Finally, linking this card also allows you keep Membership Rewards points earned from other cards active while having no annual fee.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Capital One Venture Rewards Credit Card: 2X Miles + 100,000 Miles Limited-Time Offer

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Limited-time 100k offer is back. The Capital One Venture Rewards credit card is their premium travel rewards card with unlimited 2x miles per dollars on all purchases. 60,000 miles can be redeemed as a $600 credit towards any travel purchase made with the card (any airline, any hotel, AirBNB stays, Uber rides, no blackout dates). Here are the highlights:

  • 100,000 bonus miles (equal to $1,000 in travel including vacation rentals) once you spend $20,000 on purchases in the first 12 months after account opening. (OR still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months.)
  • Flat 2X miles on ALL purchases.
  • Up to $100 application fee credit for Global Entry or TSA PreCheck.
  • Redeem on travel-from vacation rentals to car rentals and more. Plus transfer your miles to over 10+ travel loyalty programs.
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn.
  • No foreign transaction fees.
  • $95 annual fee.

This means that if you average $1,700 in purchases per month on this card over a year, you’ll end up with 40,800 miles from purchases, plus another 100,000 miles, for a total of 140,800 Capital One miles, which can offset $1,408 worth of travel purchases charged onto the card (AirBnB, car rentals, hotels flights, etc).

Redemption details. Capital One “miles” can be redeemed directly for a cash statement credit on a 1 mile = $0.01 basis when offsetting any travel purchase made on the card within the past 90 days. In other words, 50,000 miles = $500 toward travel. That means you can fly on any airline or stay at any hotel, pay with this card, and then “erase” that purchase using your miles balance later. This even includes AirBNB vacation rentals, car rentals, and Uber rides.

This means that earning 2 miles on on every $1 in purchases essentially makes this a 2% back card when applied towards travel. You can also book travel through their travel portal (powered by Orbtiz), similar to Chase Ultimate Rewards, but you are not required to do so. You just charge travel directly on your card, which is more flexible.

New: Miles transfer options. Capital One now allows you to transfer your “miles” into select airline miles programs as well, on a 2:1.5 ratio (ex. 20,000 Capital One miles = 15,000 Air Canada Aeroplan miles) except where indicated. Here are the transfer partners:

  • Aeromexico
  • Air Canada Aeroplan
  • Air France/KLM
  • Alitalia
  • ALL Accor Live Limitless
  • Avianca
  • Cathay Pacific
  • Emirates (2:1)
  • Etihad
  • EVA
  • Finnair
  • JetBlue TrueBlue (2:1)
  • Qantas
  • Singapore Airlines Krisflyer (2:1)
  • Wyndham Rewards

The bolded ones are my favorite. I would use these to top off an account to reach a specific award level. If you know how to leverage one of these international airline miles programs, this can be a good option, but it’s still nice to have the worst-case scenario of effectively earning 2% back towards travel.

Bottom line. The Capital One Venture Rewards credit card earns 2x miles on all purchases, which you can either redeem against any travel purchase or transfer to one of their airline/hotel partners. Right now, there is an offer of up to 100,000 bonus miles, worth $1,000 towards travel.

Due to the $900+ first-year value, I will be adding this card to my list of Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

5% Cash Back Cards: Gas Stations, Home Improvement, Wholesale Clubs, Streaming Services – April through June 2021

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

5percentbackActivation open for 2nd Quarter 2021. The credit cards below offer up to 5% cash back on specific categories that rotate each quarter. It takes a little extra attention, but it can add up to hundreds of dollars in additional rewards per year without changing your spending habits. You can also buy gift cards at places with 5% back now but spend the gift cards later. New cardmembers may also get an upfront sign-up bonus.

Chase Freedom Flex Card

From April 1st through June 30th, 2021 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Gas stations (includes Fuel from Sam’s Club, BJs, Safeway, and Walmart)
  • Home Improvement Stores

Enroll each quarter online in your Chase account or at ChaseBonus.com. As long as you activate by June 14th, the rewards are retroactive. Technically, you earn Ultimate Rewards points which can also be converted to airline miles or hotel points instead of cash if you have a Chase Sapphire Preferred or Chase Sapphire Reserve card. Currently, the Chase Freedom Flex card is offering new applicants $200 if you sign up and make $500 in purchases in your first three months. No annual fee.

Discover it 14 ImageDiscover it Card

From April 1st through June 30th, 2021 you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Gas Stations
  • Wholesale Clubs
  • Select Streaming Services (including Apple Music, Apple TV+, AT&T TV Now, BET+, CBS All Access, DAZN, Disney +, ESPN+, Fubo TV, Google Play Movies & TV, HBO Max, Hulu, Netflix, Pandora, Philo, Peacock TV, Showtime, Sirius XM, Starz, Sling, Spotify, Vudu, YouTube TV.)

Enroll after logging into your online account (look on the right-hand side). 5% rewards won’t apply until after you activate your rewards, so it is best to activate now before you forget. No annual fee.

New cardmember bonus details. If you are a new applicant and sign up via my Discover Card referral link, you will get a $50 Cashback Bonus after your first purchase within 3 months of being approved. You will also get Cashback Match for an entire year – a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. During those 12 months, your 5% cash back rewards becomes 10% cash back, and your 1% cash back rewards become 2% cash back. You can verify this on the application by looking under “Terms and Conditions” or searching for “cashback match” and “statement credit offer”:

Cashback Match: We’ll match all the cash back rewards you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods.

TERMS OF STATEMENT CREDIT OFFER: You will receive a $50 Statement Credit after making a purchase that posts to your account within three months of account opening. You must apply through your friend’s referral link and be approved by December 31, 2021 in order to be eligible for the $50 Statement Credit offer. Offer may not be combined with any other introductory offer. Promotional award will be applied within 8 weeks.

ABOC Platinum Rewards Card – $150 Statement Credit Offer

From April 1st through June 30th, 2021 you can earn 5x rewards on up to $1500 in combined purchases this quarter in the following categories:

  • Home improvement
  • Gardening and nurseries
  • Home furnishing stores
  • Costco.com, Target.com, Walmart.com
  • See full list of eligible MCC codes on their site.

You must register each quarter at ABOCRewards.com or in your online account. Currently, the ABOC Platinum Rewards Mastercard is offering a $150 statement credit if you sign up and make $1,200 in purchases in your first 90 days. No foreign transaction fees. No annual fee.

U.S. Bank Cash+ Visa Signature Card. You get to choose the two 5% cash back categories every quarter, out of a preset selection of specific categories:

  • Fast Food
  • Cell Phone Providers
  • Home Utilities
  • Ground Transportation
  • Select Clothing Stores
  • Electronics Stores
  • Car Rentals
  • Gyms/Fitness Centers
  • Sporting Goods Stores
  • Department Stores
  • Furniture Stores
  • Movie Theaters
  • TV, Internet, and Streaming Services

Unfortunately, you can’t pick a broad category like gas stations, restaurants, or grocery stores. Make sure to choose your categories each quarter, even if you want them to stay the same. If you do not choose your categories, all purchases revert to only earning 1% cash back for that quarter. No annual fee.

American Express Blue Cash Preferred Card.

  • 6% cash back at US supermarkets all year long (on up to $6,000 per year)
  • 6% cash back at select US streaming subscriptions (includes Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, YouTube TV, and more).
  • 3% cash back at US gas stations and transit (taxis/rideshare, parking, tolls, trains, buses and more).

I use this card all year long for groceries, and then in December use up the $6k annual limit on gift cards bought in the supermarket aisle. New cardholders are also eligible for a $300 statement credit after $3,000 in purchases within the first 6 months. $0 intro annual fee for the first year, then $95. See details in link.

Amazon Prime Rewards Card. Earn 5% back at Amazon.com and Whole Foods all year long. Prime membership required. New cardholder bonus varies by person. No annual fee.

Citi Dividend Card. This card is no longer available to new applicants, but if you still have the grandfathered card you can view and activate your quarterly 5% category here. Limit of $300 cash back for the calendar year.

Don’t settle for the “1% on everything else” that these cards offer. Get 2% cash back or higher. Check out the card-specific reviews for details.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Chase Sapphire Preferred Card: 80,000 Bonus Points = $1,000 In Travel + $50 Grocery Store Credit (Highest Ever)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

New limited-time bonus worth $1,000+! The Chase Sapphire Preferred Card is a premium travel rewards credit card that has gotten very popular due to its rewards structure and valuable Ultimate Rewards points. The card earns points that can be redeemed for cash, travel credits, or transferred to airline miles. If you don’t have it yet, the current limited-time offer is the best offer I’ve ever seen. Here are the highlights:

  • 60,000 bonus Ultimate Rewards points after $4,000 in purchases within the first 3 months. This is worth $1,000 when you redeem through Chase Ultimate Rewards towards travel and other categories (including grocery and dining through 9/30/21).
  • New: Up to $50 in statement credits towards grocery store purchases. Just spend $50 at any grocery store using your card in your first year after opening, and get $50 in statement credits. Easy.
  • 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. Again, that means 80,000 points are worth $1,000 toward travel. No blackout dates. As long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out. 1 point per dollar spent on all other purchases.
  • New: 2X points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
  • Free year of DoorDash DashPass. Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21. If you are new customer to DoorDash and sign up via my DoorDash referral link, you will get $10 off your first 3 DoorDash orders over $20 ($30 total savings). I will get food credits as well. Thanks if you use it!
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
  • New: $60 in statement credits on Peloton Digital and All-Access Memberships through 12/31/2021.
  • No foreign transaction fees.
  • 1:1 point transfer to leading airline and hotel loyalty programs.
  • $95 annual fee.

New “Pay Yourself Back” Tool. Chase has added a number of new flexible benefits to this card on a temporary basis to compensate for the effects of COVID-19. This includes the ability to redeem your Ultimate Rewards points towards grocery store, dining out, and home improvement purchases through September 30, 2021. Look for the “Pay Yourself Back” tool in your online account and/or Chase app.

Note the following text:

The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months.

Chase has an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.

Ultimate Rewards points. This card offers a special 25% bonus on travel redemptions made through the Ultimate Rewards travel website. For example, 60,000 Ultimate Rewards = $750 in travel. Similar to Expedia or Travelocity, you can book flights on most major airlines and hotel chains. This makes it much more flexible to spend your points. You can even buy something more expensive and pay the difference.

If you have other Chase cards that earn Ultimate Rewards points like the Freedom Flex, Freedom Unlimited, Ink Business Cash or Ink Business Unlimited, you can transfer points into this card account and take advantage of the this higher premium. In other words, your existing Ultimate Rewards points balance could be increased in value by getting this card.

The Chase Sapphire Reserve Card is the “ultra-premium” rewards card that offers a bigger 50% bonus on travel redemptions, along with more perks and a higher annual fee.

Prefer airline and/or hotel points? This card also allows you to transfer Ultimate Rewards points into hotel and/or airline miles. Transfer to United Airlines, British Airways, Singapore Airlines, Korean Air, Southwest, Hyatt Hotels, IHG Hotels, and Marriott Hotels at a ratio of 1 Ultimate Rewards point = 1 mile/hotel point. Miles redemption continue to offer great value for savvy travelers, especially for last-minute travel and business class seats. I personally use the transfers to “top off” my account to reach a free coach ticket or free hotel night when I don’t have enough points otherwise. My favorite options are United miles, Southwest miles, and Hyatt hotel points. In this manner, I can often get close to 2 cents per point value.

Cash redemptions are a simple and easy option, but the conversion is a straight 100 points = $1.

Sharing points. Ultimate Rewards points are instantly transferable to other accounts like family members, as long as they have their own Chase card with Ultimate Rewards as an authorized user. This way, you can pool points together for transfers and redemptions if you like.

Additional card benefits:

  • Premium, dedicated customer service line with a live person, 24/7. A real person picks up after a couple rings, no phone trees or typing those darn 16 digits over and over. You can use this feature to redeem cash rewards over the phone for free, although booking rewards tickets over the phone costs $20 (doing so online is free).
  • Primary car rental collision damage waiver insurance. Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental cars in the U.S. and abroad. Most other cards only offer secondary coverage that kicks in only after the deductible of your individual insurance policy is used.
  • Trip Cancellation/Trip Interruption Insurance. If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
  • Trip Delay Reimbursement. If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket

Bottom line. The Chase Sapphire Preferred Card is a popular premium travel rewards card. The sign-up bonus is currently 80,000 Ultimate Rewards points worth 80,000 United miles, 80,000 Hyatt points, or $1,000 towards travel when you redeem through Chase Ultimate Rewards travel portal or in select categories via their Pay Yourself Back tool. The 2X points on travel and dining out is attractive (although the new Freedom Flex now offers 3X on dining out).

You can only get one Sapphire bonus every 48 months, so compare with the Chase Sapphire Reserve Card, which offers a bigger 50% bonus on travel redemptions, along with more perks and a higher annual fee.

This offer is on my list of Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Chase Sapphire Reserve Card Review: 60k Points Worth $900 in Travel, $300 Annual Credit, New Lyft/DoorDash Perks

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Improved 60k offer worth $900 through Chase Ultimate Rewards. Chase has updated their “ultra-premium” credit card, the Chase Sapphire Reserve Card, which has headline features of Visa Infinite benefits, 60,000 Ultimate Rewards points sign-up bonus, $300 annual travel credit, 3X points on travel and dining, and a $550 annual fee. Here is the long list of perks:

  • 60,000 Bonus Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months. That can be redeemed for $900 of airfare, hotels, and other travel through Chase Ultimate Rewards. Through 9/30/21, you can also redeem for $900 towards groceries, dining, and home improvement via the Pay Yourself Back tool.
  • $300 annual travel credit. Every year, the card will rebate you back up to $300 in travel purchases such as airfare and hotel nights charged on your card. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit.
  • Up to $100 statement credit towards Global Entry or TSA PreCheck.
  • Priority Pass Select membership. Provides free access to 1,000+ airport lounges in over 400 cities worldwide.
  • 3X points per $1 spent on travel & dining worldwide. The 3X points on travel kick in immediately after earning your $300 travel credit. 1 point per $1 spent on all other purchases.
  • Free year of DoorDash DashPass. Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21. If you are new customer to DoorDash and sign up via my DoorDash referral link, you will get $10 off your first 3 DoorDash orders over $20 ($30 total savings). I will get food credits as well. Thanks if you use it!
  • Free year Lyft Pink membership + 10x points on Lyft purchases through March 2022. Lyft Pink usually costs $19.99 a month and includes 15% off Lyft rides, 3 complimentary bike and scooter rides a month, and priority airport pickups.
  • Free Grubhub+ membership is now included with the Lyft Pink membership above. Details here. If you have not joined Grubhub yet, you can also get $10 off your first Grubhub order if you join via my referral link. I will get food credits as well. Thanks if you use it!
  • $120 in statement credits on Peloton Digital and All-Access Memberships through 12/31/2021.
  • 1:1 points transfer to various frequent flyer and hotel loyalty programs.
  • Annual fee is $550, not waived the first year.

Note the following text:

This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.

Ultimate Rewards points. This card offers a special 50% bonus on travel redemptions made through the Ultimate Rewards travel website. That is more than any other Chase card (a 25% bonus is the most otherwise). 50,000 Ultimate Rewards = $750 in travel. Similar to Expedia or Travelocity, you can book flights on most major airlines and hotel chains. This makes it much more flexible to spend your points. You can even buy something more expensive and pay the difference.

If you have other Chase cards that earn Ultimate Rewards points like the Freedom, Freedom Unlimited, Ink Business Cash or Ink Business Unlimited, you can transfer points into this card account and take advantage of the this higher premium. In other words, your existing Ultimate Rewards points balance could be increased in value by getting this card.

Prefer airline and/or hotel points? This card also allows you to transfer Ultimate Rewards points into hotel and/or airline miles. Transfer to United Airlines, British Airways, Singapore Airlines, Korean Air, Southwest, Hyatt Hotels, IHG Hotels, and Marriott Hotels at a ratio of 1 Ultimate Rewards point = 1 mile/hotel point. Miles redemption continue to offer great value for savvy travelers, especially for last-minute travel and business class seats.

Cash redemptions are a simple and easy option, but the conversion is a straight 100 points = $1.

Sharing points. Ultimate Rewards points are instantly transferable to other accounts like family members, as long as they have their own Chase card with Ultimate Rewards as an authorized user (free with Chase Freedom). This way, you can pool points together for transfers and redemptions if you like.

Additional card benefits:

  • Dedicated customer service line with a live person that answers the phone 24/7. No waiting or complicated phone trees.
  • No foreign transaction fees.
  • Primary car rental collision damage waiver insurance. Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for most rental cars in the U.S. and abroad. Most other cards only offer secondary coverage that kicks in only after the deductible of your individual insurance policy is used.
  • Trip Cancellation/Trip Interruption Insurance. If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
  • Trip Delay Reimbursement. If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket
  • Enjoy special car rental privileges from National Car Rental, Avis, and Silvercar when you book with your card.

Note that Chase has an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.

As for the $300 annual travel credit, “annually” means the year beginning with your account open date through the first December statement date of that same year, and each 12 billing cycles starting after your December statement date through the following December statement date. So it’s not exactly by calendar year, but roughly close and you can likely get this twice under the first year’s annual fee.

Bottom line. The Chase Sapphire Reserve Card has an improved 60,000 Ultimate Rewards points sign-up bonus, 50% boost to all your redemptions of Ultimate Rewards points, $300 annual travel credit, 3X points on Dining/Travel, Priority Pass Select airport lounge membership, up to $100 Global Entry application credit, Lyft perks, DoorDash perks, $120 in Peloton credits, and more… in exchange for a $550 annual fee. You should compare against that of the Chase Sapphire Preferred card, which has less perks but also a lower annual fee.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Citi® Double Cash Card Review: 2% Cash Back on ALL Purchases, No Annual Fee

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

If you want simplicity, the best rewards card for most people that pay their balance every month is the Citi® Double Cash Card. It offers a flat 2% cash back with no points or miles to redeem, no categories to remember, and no bank affiliation required. Even the highlights are short:

  • 2% cash back on purchases: 1% when you buy plus 1% as you pay.
  • To earn cash back, pay at least the minimum due on time.
  • 0% Intro APR on Balance Transfers for 18 months. (Balance transfers do not earn cash back.)
  • No annual fee.

This all comes with no caps, no tiers, no category restrictions, no quarterly enrollment hoops, no rotating categories. The only way you don’t get your 1% + 1% total is if you default on your bill and don’t even make the minimum payments. You can redeem your cash rewards in full as soon as it totals $25 or more, via check, direct deposit, or statement credit (i.e. if you have $31.44, you can get a check for $31.44). The New York Times, CNBC, and Wirecutter have also rated this the best cash back rewards credit card.

Care about the math details? How exactly does earning cash back twice work? First, imagine you put $100 on the charge, 1% is earned so you have $1. Then you redeem that $1 (ignore minimums for this example) for a paper check or direct deposit (not statement credit). You pay the $100 bill from your bank account, and get an additional 1% or $1 back. Final tally: $2.00 back on $100 in purchases. In other words, 2% cash back.

Alternatively, imagine you charge $100 on the card and again 1% is earned so you have $1. Then you redeem that $1 (ignore minimums for this example) for a statement credit (as opposed to paper check or direct deposit) which means Citi actually “paid” for $1 of the $100. So you pay the remaining $99 and get an additional 1% or $0.99 back. Final tally: $1.99 back on $100 in purchases. 1.99/100 = 1.99%. Just pointing out a technicality here. If you charged $1,000 per month, the difference between 1.99% and 2% per month would be a whopping 10 cents per month, or $1.20 per year.

Obviously, you’ll want to pay in full every month as to not rack up interest charges which can quickly offset your cashback rewards. Note that you are only allowed to redeem cash rewards in the form of an electronic funds transfer into a linked bank account if it is a checking account from any bank from which you have paid a Citi Credit Card bill at least two times, or any Citi savings/checking account.

There have been similar cards in the past but they either closed to new applicants or require additional relationship accounts. If you have another Citi card, you can call in and try to convert to this card with varying success. Converted cards are not eligible for the 0% interest offer.

Bottom line. The Citi® Double Cash Card lets you earn 2% cash back on all purchases: 1% when you buy plus 1% as you pay. No categories to track. This is indeed double what many other cash back credit cards offer, and comes with no annual fee. Everyone should have a 2% cash back card in their purse/wallets, even if they have other cards with higher cashback in specific categories. I’ve had this card for several years now.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

TD Double Up Card: 2% Cash Back on All Purchases (TD Bank Deposit Account Required)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

The TD Double Up card is a new cashback rewards credit card from TD Bank which earns up to 2% flat cash back on all eligible purchases without worrying about the merchant or category.

  • 1% cash back on purchases + 1% cash back when you redeem into an eligible TD Bank Deposit Account.
  • New customer bonus: $75 cash back via statement credit after $500 in purchases within the first 90 days.
  • 0% introductory APR on balance transfers for first 15 billing cycles.
  • No annual fee.

At first, I though this was not-so-subtle copycat of the Citi Double Cash card, which offers 1% on purchases + 1% when you pay Citi back for those purchases (which you should each month to avoid carrying a balance). Citi does not required any other accounts with them. Here, the restriction to earn that extra 1% back is that you must be an active holder of a TB Bank checking or savings account. TD Bank only offers accounts to customers in select states:

Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Vermont, Virginia, Washington, D.C.

Bottom line. If you are a TD Bank customer, the TD Double Up card is another welcome option for a simple flat 2% cash back credit card with no annual fee. Everyone should have a 2% cash back card in their purse/wallets, even if they have other cards with higher cashback in specific categories. If you don’t bank with TD Bank or have a Fidelity account, check out the Citi Double Cash card.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Marriott Bonvoy Business American Express Card Review – 100,000 Bonus Miles + $150 Statement Credit

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Limited-time offer. The Marriott Bonvoy Business American Express Card is the re-branded business credit card of the Marriott Bonvoy program (formed after the merger of Marriott Rewards and Starwood Preferred Guest). This card offers unique perks for Marriott customers. Here are the highlights:

  • 100,000 bonus Marriott Bonvoy points after $5,000 of eligible purchases within the first 3 months. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
  • 6x points at participating Marriott Bonvoy hotels.
  • 4x points at U.S. restaurants, U.S. gas stations, U.S. purchases on shipping, and wireless telephone services purchased from U.S. service providers.
  • 2x points on all other eligible purchases
  • Receive 1 Free Night Award every year after your Card account anniversary. Earn an additional Free Night Award after spending $60K in purchases on your Card in a calendar year. Awards can be used for one night (up to 35,000 Marriott Bonvoy points) at a participating hotel.
  • Silver Elite status included with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Elite Night Credit. Each calendar year you can receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status.
  • Annual fee is $125.

Keep in mind the following terms and conditions:

Welcome offer not available to applicants who have or have had this product or The Starwood Preferred Guest® Business Credit Card from American Express. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.

Welcome offer not available to applicants who (i) have or have had the Marriott BonvoyTM Premier Plus Business Credit Card from Chase, the Marriott Rewards® Premier Plus Business Credit Card from Chase, the Marriott Bonvoy BusinessTM Credit Card from Chase, or the Marriott Rewards® Business Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy BoundlessTM Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy BoldTM Credit Card from Chase, the Marriott BonvoyTM Premier Credit Card from Chase or the Marriott Rewards® Premier Credit Card from Chase in the last 90 days, or (iii) received a new Card Member bonus offer in the last 24 months on the Marriott Bonvoy BoundlessTM Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy BoldTM Credit Card from Chase, the Marriott BonvoyTM Premier Plus Credit Card from Chase or the Marriott Rewards® Premier Credit Card from Chase.

This is more specific than before, note the different 30-day, 90-day, and 24-month waiting periods that may now include consumer cards. American Express usually gives you a pop-up warning during the application process if you are ineligible based on their records. This is why you should be looking to get the best possible bonus (like a limited-time offer and waived annual fee) when you do apply.

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, Uber/Lyft drivers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

Free Night Award. At your card anniversary (when you pay the annual fee), you will receive a Free Night Award that is good for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. This excludes the very top properties, but for regular travelers it will be very easy to get your $95 or even $125 value. Many W Hotels, Westin, and even some Ritz-Carltons worldwide are included. Here are some sample hotels that qualify under the 35,000 point limit:

  • Sheraton Kona Resort (Big Island, Hawaii)
  • Westin Hapuna Beach Resort (Big Island, Hawaii)
  • Courtyard Waikiki Beach (Honolulu, Oahu)
  • Sheraton Kauai Resort (Kauai, Hawaii)
  • W Atlanta
  • New York Marriott at the Brooklyn Bridge
  • Chicago Marriott Downtown Magnificent Mile
  • W Chicago
  • The Ritz-Carlton, Beijing, China
  • The S. Regis Bangkok, Thailand

Bottom line. The Marriott Bonvoy Business American Express Card is the co-branded business card between Marriott hotels and American Express. You also get a Free Night Award at card anniversary, which can be worth much more than the annual fee. Right now, there is a limited-time offer where the cash back more than offsets the annual fee and you can get 100,000 Marriott points.

Also see: Top 10 Best Small Business Card Bonus Offers.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Neighborhood Nosh Review: Up to 10% Back at Participating Restaurants

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

Neighborhood Nosh (formerly iDine) is a promotional service allows you to earn cash back when you dine at participating restaurants and pay with your linked credit card. You may already be familiar with using Rewards Network to earn airline and hotel points, but this is a rebrand of their standalone program which offers cash back in the form of an American Express gift card. Here is the standard structure:

  • Sign up for a free account and provide your credit/debt card numbers. (I believe they only ask for the 16 digits. They won’t charge anything on it.)
  • If you use that linked card to pay for a meal at a participating restaurant (dine-in, takeout, or direct delivery), you will automatically earn cash back rewards on the entire amount including tip.
  • No membership cards, no coupons, no apps. You don’t do anything that announces that you are seeking a discount.
  • Earn either 5% or 10% back.

Usually, you earn 5% back until you reach $750 in spending with in the calendar year. After that, you start earning 10% cash back.

New and existing member promo. Right now, existing members get 10% back until 4/4/21. If you sign up as a new member by 7/31, link a card, and pay with that card within the first 30 days, and opt-in to their marketing emails, you’ll also earn 10% cash back right away.

Existing iDine member rewards will also automatically be transferred to Neighborhood Nosh.

Cash out details. It appears they will mail you a physical AmEx gift card once you reach a rewards balance of $20.

After a member reaches $20 in accumulated restaurant rewards from Neighborhood Nosh, an American Express® Reward Card will be mailed the following month with all available rewards. Rewards in an amount less than $20 are subject to expiration if no dining activity occurs within one year from the date the rewards were originally earned.

My take. I like the fact that you don’t have to do change your existing eating habits to earn extra rewards. I could simply link the card that I put most dining purchases on (for example the Chase Sapphire Preferred 2X or Chase Sapphire Reserve 3X points or the American Express Gold 4x points) and then promptly forget about it for the most part. If the restaurant I visit happens to be part of the program, then I get some free rewards as a nice surprise.

I do look through their list of participating restaurants when I want some miles activity for a specific airline to avoid the expiration of points. Each of your credit cards can only be linked to one type of Rewards Network account. I usually have 5-7 different credit cards linked to 5-7 different programs, so I can pick up points from a specific program as needed with a single targeted purchase. You have to plan ahead a little bit, as the points can take a while to post.

Now, if you eat at a participating Rewards Network restaurants regularly, then the 10% cash back from Neighborhood Nosh could really add up. Could be worth a look.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

PFS Buyers Club: US Mint Coin Purchase Opportunity ($100 + $200 Guaranteed Profit)

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards and may receive a commission. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

(Update: The 3/11 opportunity is no longer available. You can still sign up for an account and be alerted of the next opportunity roughly 48 hours prior. They seem to pop up every 3-6 months.)

The US Mint regularly releases limited-edition coins to collectors. The coin sets are often limited to one per customer. PFS Buyers Club is a website broker that recruits regular folks to buy their allotted coin set with a set markup amount, with the agreement that they will sell only to PFS Buyers Club. For example, you might pay $300 for a coin and they’ll agree to pay you $350 for it – a fixed profit of $50.

Note that the eventual value of the set may exceed that elsewhere – you may be able to get $400 for that coin on eBay, for example – but if you want to make that bet, don’t promise to sell to PFS Buyers Club. Just buy it on your own and try to sell it yourself. Keep in mind that eBay fees can be quite high, and you’ll be responsible for other costs like the proper shipping with adequate insurance. PFS Buyers Club will send you a prepaid mailing label (including insurance) and pay you via eCheck, paper check, or PayPal.

On Thursday March 11th (short notice, I know), there is a new guaranteed profit opportunity. The commission is larger than usual (up to $300 + credit card rewards), but so is the upfront cost (up to $6,500). I will be trying this out myself for the first time, especially as the high spending amount will also help me trigger some big credit card bonuses. PFS Buyers Club has a very solid reputation, but this way I can also write more honestly and in detail about the process.

The cost of the Four-Coin Set should be either $4,317.50 or $4,410.00 and the cost of the One Ounce Gold Eagle should be either $2,325.00 or $2,375.00. (The Mint will only be releasing the exact price for these products on Wednesday the 10th, and it will depend on the spot price of Gold over the next couple of days.)

Each item would need to be purchased as a separate Mint order, as such, each purchase will also have a $4.95 shipping charge. You will have each order shipped to your own house or office and then ship it to PFS Buyers Club with a prepaid shipping label that we will provide for you.

PFS will be offering a commission of $200.05 for each Four-Coin Set.

PFS will be offering a commission of $100.05 for each One Ounce Gold Eagle coin.

This is also a great opportunity to earn valuable points/miles on your credit cards, as well as meet any spending thresholds.

Spending $6,500 on your credit card would earn another $130 profit at 2% cash back. That’s a total of $430. You could do even better if satisfying a credit card sign-up bonus hurdle. Here is the 4-coin set and the 1-ounce coin.

If you want to jump on this, you can sign up to join PFS Buyers Club here. I’ll write a more detailed review afterward. If you use that link, I will receive a referral fee if you successfully sell your coin for a profit.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.