Citi Double Cash Card: 2% Cash Back + More ThankYou Point Options + New $200 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.

New $200 limited-time offer.The Citi® Double Cash Card is a popular rewards credit card as it offers 2% flat cash back on all purchases, not just specific categories. As of March 2022, $1 in cash back rewards is also 100 Citi ThankYou points for potentially even better reward redemptions (details below). For example, if you value a Citi ThankYou point at 1.5 cents per point, then that is effectively get 3% value back! I’ve had this card for years. Right now, there is a $200 limited-time offer for new cardholders, which is the highest that I’ve seen.

  • For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • No annual fee.

There is a 0% APR balance transfer offer available, but I must warn you that if you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Cash back details. Imagine you make a $100 purchase. 1 point per $1 spent is 100 points. You pay the $100 bill from your bank account, and get an additional 100 points. Final tally: 200 points = $2.00 back on $100 in purchases. In other words, still 2% cash back.

There is no longer a minimum redemption amount of $25 for direct deposits into your bank account or statement credit ($5 minimum for paper check). You can redeem as little as 1 point for 1 cent, cashing out down to the penny.

You can redeem for cash via statement credit, direct deposit to your bank account, or a paper check. The direct deposit works with any Citi bank account or verified non-Citi bank account. In the past, this just meant that you made two successful credit card payments from your non-Citi bank account.

Citi ThankYou point details. Since $0.01 in cash back rewards is the same as 1 Citi ThankYou point, it is very valuable that Citi lets you combine Citi Thankyou points across cards. From their FAQ:

Can customers combine points from multiple Citi accounts?
Absolutely, as long as all the Citi Accounts are owned by the same person. If they have one (or more) Citi credit cards participating in ThankYou® Rewards, Citibank consumer checking account and other linked banking products and services, an enrolled Citi Corporate Travel & Entertainment Card, they can combine the associated ThankYou® accounts into 1 ThankYou® Account. Please note that if they combine their ThankYou® Accounts, points are not separated based on which Citi Account they were earned and are displayed as a total among all Citi Accounts.

If you have the Citi® Double Cash Card AND the Citi Premier Card:

  • By having the Citi Premier Card, you can transfer the ThankYou points earned on the Citi Double Cash to participating airline mileage programs on a 1:1 basis including JetBlue TrueBlue, Virgin Atlantic, Singapore Airlines, Cathay Pacific, EVA Air, Etihad, Flying Blue by Air France and KLM, and Thai Airways.
  • By having the Citi Double Cash, you can cash out the ThankYou points earned on the Citi Premier Card (which has the special feature of paying 3X points at Supermarkets, Restaurants, Gas Stations, Air Travel, and Hotels).

If you have the Citi® Double Cash Card AND the Citi Rewards+ Card:

  • By having the Citi Rewards+ Card, you get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year. For example, if you earn and redeem 20,000 ThankYou points, you’ll get 2,000 points rebated back to your account.
  • The Citi Rewards+ Card automatically rounds up to the nearest 10 points on every purchase, so for example a $1 parking charge or $2 cup of coffee can earn 10 points. ).

If you have the Citi® Double Cash Card AND the Citi Custom Cash Card:

  • By using the Citi Custom Cash Card, you get 5% cash back (5X Thank You points) on your top eligible spending category up to $500 spent each monthly billing cycle. (The Citi Double Cash card does not have any special categories.)
  • By using the Citi Double Cash, you get 2% cash back (2X Thank You points) on all other purchases. (The Citi Custom Cash card only earns 1% cash back on all other purchases.)

You can combine all of your various ThankYou points account into one account by calling Citi ThankYou at 800-842-6596 or the number on the back of your card. Alternatively, you can try it online by logging into your ThankYou account and clicking on “Points Summary” in the top right corner where it says “Hi [Your Name]”. See below:

As you can see, Citi has been steadily improving their ThankYou point program to make it more rewarding to hold multiple Citi credit cards. It is good for the consumer to have competition with Chase Ultimate Rewards, American Express Membership Rewards points, and Capital One Miles.

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. 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. You can also convert $1 in cash back into 100 Citi ThankYou points, which offers additional flexibility and potentially more valuable redemption options when combined with other Citi rewards 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.

Merrill Edge + Preferred Rewards = Up to $750 New Deposit/Transfer Bonus, Improved Credit Card Rewards

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. Merrill Edge is the self-directed brokerage arm formed after Bank of America and Merrill Lynch merged together. They are currently offering an increased cash bonus of up to $750 for moving “new money” or assets over to them from another brokerage firm. Here’s an overview along with my personal experience as I’ve had an account with them for a few years now.

Cash bonus. If you are holding shares of stock, ETFs, or mutual funds elsewhere, you can simply perform an “in-kind” ACAT transfer over to Merrill Edge. Your 100 shares of AAPL will remain 100 shares of AAPL, so you don’t even have to worry about price changes, lost dividends, or tax consequences. Any cost basis should transfer over as well.

Fund your account with at least $5,000 in qualifying net new assets within 45 days of account opening. Assets transferred from other accounts at Bank of America, MLPF&S, Bank of America Private Bank, or 401(k) accounts administered by MLPF&S do not count towards qualifying net new assets.

After 90 days of meeting the funding criteria, your cash reward will be determined by the qualifying net new assets in your account (irrespective of any losses or gains due to trading or market volatility) as follows. This specific offer is better than the standard offer:

  • $50 bonus with $5,000 to $19,999 in new assets
  • $125 bonus with $20,000 to $49,999 in new assets
  • $200 bonus with $50,000 to $99,999 in new assets
  • $350 bonus with $100,000 to $199,999 in new assets
  • $750 bonus with $200,000 or more in new assets

Fine print:

For purposes of this offer, qualifying net new assets are calculated by adding total incoming assets or transfers (including cash, securities and/or margin debit balance transfers) from external accounts, and subtracting assets withdrawn or transferred out of the account within the preceding 24 weeks.

Your one-time cash reward will be deposited into your IRA or CMA within two weeks following the end of the 90-day period.

This offer includes both IRAs and regular taxable (CMA) accounts, including robo-advisor and human advisor accounts:

Offer valid for new individual Merrill IRAs or Cash Management Accounts (CMAs). Cash bonus offers, in the aggregate, are limited to one CMA and one IRA per accountholder. Eligible Merrill IRAs limited to Traditional, Roth and owner-only SEP IRA. The Merrill IRA or CMA may be a Merrill Edge Self-Directed account, Merrill Edge Advisory Account, Merrill Guided Investing account or Merrill Guided Investing with an Advisor account. You may be eligible for a different or better offer. Please contact us for more information.

Note that last sentence! After I did this bonus once with a partial transfer (just enough to satisfy one of the tiers), a Merrill Edge rep contacted me and offered me a custom bonus to move even more assets over. (The bonus ratios were about the same, but higher limits.) Therefore, if you are considering this and happen to have more than $200,000 to transfer over, you may want to give them a call and see if they can offer even more money.

You can even transfer in Admiral Shares of Vanguard mutual funds – they won’t let you buy any additional shares, but you can only hold or sell them. You can, however, buy more shares of the corresponding Vanguard ETF if you wish. (Alternatively, you should consider having Vanguard convert your Admiral share into ETFs on a one-time basis that will preserve your original cost basis. After you have ETFs, you can move those over to Merrill Edge and trade them as you wish.)

The features for the account itself seem like most other online brokerages. Unlimited commission-free online stock, ETF and options trades (+ $0.65 per-contract fee). You can trade ETFs, fixed income, mutual funds, and options.

Preferred Rewards bonus. The Preferred Rewards program is designed to rewards clients with multiple account and higher assets located at Bank of America banking, Merrill Edge online brokerage, and Merrill Lynch investment accounts. Here is a partial table taken from their comparison chart (click to enlarge):

At the Platinum and Platinum Plus levels, Merrill Edge used to offer 30 and 100 free online stock trades every month, respectively. These days, everyone gets unlimited $0 trades. Bank of America’s interest rates on cash accounts tend to be quite low, so moving cash over to qualify may result in earning less interest on your cash deposits. Merrill Lynch advisory accounts also usually come with management fees. The sweet spot is Edge with self-directed brokerage assets like stocks, mutual funds, and ETFs.

BofA checking accounts. With Gold status ($20k in assets) and above, you’ll get the monthly maintenance fee on up to 4 checking or savings accounts waived. That means you no longer have to worry about a minimum balance or maintaining direct deposit, depending on your account type. You’ll also get waived ATM fees at non-BofA ATMs at Platinum and above (12/year at $50k assets, unlimited at $100k). Free cashier’s checks.

Credit card rewards. With the Preferred Rewards boost, you can get up to 2.6% cash back on all your purchases with the Bank of America Unlimited Cash Rewards card, or 2.6% towards travel and no foreign transaction fees with the Bank of America Travel Rewards Card. You can also get 5.2% cash back on the first $2,500 in combined grocery/wholesale club/gas purchases each quarter with the Bank of America Customized Cash Rewards Card.

My personal experience. In terms of Merrill Edge, I’ve had an account with them for a few years now and my lightning review is that they have a “okay/good” user interface and solidly “good” customer service (i.e. real, informed humans available 24/7 on the phone, not email-only customer service that takes hours to days like Robinhood). I am not an active trader and only make about 10-15 trades a year, but have been quite satisfied with the account. I can also move money instantly between my Merrill Edge and Bank of America checking accounts, making it relatively easy to sweep out idle cash into an external savings account.

The biggest financial benefit to this BofA/Merrill Edge combo with Preferred Rewards has probably been the 75% boost to their credit card rewards, allowing me to get a flat 2.625% cash back on virtually all my daily purchases. The second biggest benefit has probably been this cash bonus, and the third is the occasional waived checking or ATM fee. One negative is that the cash sweep options are not very good, but right now the interest difference is quite small.

Bottom line. Merrill Edge is currently offering up to $750 if you move over new assets to their self-directed brokerage. This can simply be mutual fund or ETFs shares currently being held elsewhere. When you keep enough assets across Bank of America and Merrill Edge, their Preferred Rewards program can offer ongoing perks like waived bank account fees and boosted credit card rewards.

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 Cardholders: Free Global Museum Tickets via The Cultivist

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.

Capital One credit cardholders can get 6 months of free access to 100+ museums worldwide via The Cultivist (valid for cardholder & up to three guests). Visit thecultivist.com/capitalone and input the 16 digits of your eligible Capital One credit card in the checkout process to receive 6 months of complimentary Enthusiast level membership (usually $40 a month, so technically a $240 value).

The Membership Offer is only available to Capital One cardholders, age 18 or older, with an eligible U.S.-issued, Capital One branded, consumer or small business credit card (“Eligible Capital One Cardholders”). Limit one Membership Offer per Eligible Capital One Cardholder. Offer provides one hundred eighty (180) days of complimentary membership for the enrolled Eligible Capital One Cardholder in ‘The Enthusiast’ level of membership with The Cultivist (the “Membership Offer”).

Warning: The ongoing monthly membership fee of $40 will be automatically billed after complimentary membership expires. Set a calendar reminder. You may cancel at any time. Since it only lasts for 6 months, you may wish to delay the activation of your 6-month free membership until later and also allowing you to cancel earlier.

Here is their full Museum list. The list is subject to change, but here are just a few examples:

  • New York City – Guggenheim and The Met
  • San Francisco – SFMOMA
  • Chicago – Art Institute of Chicago
  • London – National Portrait Gallery
  • Paris – Louvre (7-day advance notice) and Musee D’Orsay

Even a single museum visit can save your household a good chunk of money. For some museums, you just have to show your Cultivist membership card at the entrance. For others, you must contact them and have them issue free, skip-the-line tickets for you. There are reports that they are a bit overwhelmed right now, so definitely put in your request as early as possible. Pack your patience, but if urgent consider giving them a phone call them to expedite.

If you have any sort of Capital One consumer or small business card, you can input your 16-digit card number and see if it works. Looks like I can wring yet another benefit out of my Capital One Venture X Rewards 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.

Bank of America Free Museum Tickets Nationwide 2022 Dates

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The next eligible Museums on Us weekend is August 6th & 7th. Bank of America is running their Museums on Us program again for 2022, which offers debit and credit cardholders free admission to 225+ museums, science centers, and botanical gardens nationwide on the first full weekend of every month (Saturday and Sunday). Each person just needs to show their valid Bank of America or Merrill Lynch credit or debit card and photo ID for free admission.

Each individual cardholder gets ONE free general admission for themselves only, so be sure everyone with their own BofA cards brings them. If you have a BofA credit card, you may consider adding family members (of any age) as a free authorized user. Another option is to open a Kids Savings Account with no monthly fee and also comes with a debit card. You may need to open this in a physical branch.

Remaining 2022 Calendar Dates (Check specific museum for hours)

  • August 6-7
  • September 3-4
  • October 1-2
  • November 5-6
  • December 3-4

Here is the full list of participating locations. Excludes fundraising events, special exhibitions and ticketed exhibitions. One of the available museums is the Thinkery in Austin, Texas. We found it to be a fun and interactive children’s science center. The admission was $12 per person including kids (23 months and under free), which means this could have saved our family of five $60 for that one day. I’ve seen other museums on their list with $20 admission prices.

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.

Free IRA Contribution Goal Progress 2022 Q2: $3,687 in Bonuses So Far!

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.

Mid-year 2022 update. Each year, I have a side goal of earning the equivalent of the maximum annual IRA contribution limit of $6,000 using the profits from various promotions alone. In 2021, I reached $5,592 in bonuses and $2,500+ in extra interest. If you had put $6,000 into your IRA every year for the recent 10 year period (2011-2020) and invested in a simple Target Date retirement fund, you would have turned small deals into a $100,000+ nest egg. That’s worth repeating: An extra hundred grand has been the real-world result of regularly investing $500 a month for 10 years! A couple could double these numbers.

via GIPHY

Ground rules: Real-world results for one real person only. Following with My Money Blog tradition, this will track my personal, real-world results. It would be quite easy to list a bunch of random promotions that add up to $6,000, but these will be promotions that I personally sign up for and complete the requirements (even though I’ve already opened so many bank accounts, credit cards, and brokerage accounts over the years). I will track my individual results only, although my partner does also participate on a more selective basis. Nearly all of them have been documented in real-time in the Deals and Offers category, Top 10 credit cards list, and brokerage bonus list:

2022 bonuses and promotions (so far)

The total tally is currently $3,687, which is 61% of the $6,000 annual IRA contribution limit. I am leaving out any bonuses that are in progress but haven’t posted yet. 55% of the year has passed, which means I am a tiny bit ahead of pace to reach my goal by the end of the year.

I don’t do every deal, and it has been harder to find credit cards for which I am eligible that offer points that I can use in the foreseeable future. I’m sure there are many opportunities that might be valuable to you, that wouldn’t work for my travel patterns or personal preferences. For those new to this hobby, I would first grab the low-hanging fruit like the Chase Sapphire Preferred.

These numbers ignore higher bank interest APYs from switching banks or buying savings bonds. They also ignore ongoing credit card purchase rewards like 2% to 2.6% cash back on all credit purchases (or airline miles or hotel points) and 5% cash back on specific categories.

This is an enjoyable and profitable hobby for me, but I don’t like to waste my time either. I look for a solid return based on the time commitment required. I tend to avoid speculative bets on magic ponzi boxes backed by other magic ponzi boxes, bonuses that are hard to convert to real money and/or things I already buy otherwise, and anything that requires driving to stores where things may or may not be in stock. The deals that I post usually last at least a few days, but it’s a bit like value investing where you have to be ready to take decisive action when an opportunity shows up, because they won’t last forever. The big deals this quarter were the Citi Premier offer worth $800 (still live, but a limited-time offer) and SoFi Personal Loan deal worth $600 (only lasted less than a week).

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 Boundless Card Review: 3 Free Hotel Nights (Up to 50k Points Each) 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.

The Marriott Bonvoy Boundless credit card is one of the co-branded rewards card for Marriott hotels (including hotels from the merger of Starwood Preferred Guest and Marriott). Here are the highlights:

  • Earn 3 Free Nights (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months.
  • 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • Additional Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
  • 2X Bonvoy points per $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year. Gold Status when you spend $35,000 on purchases each account year.
  • 15 Elite Night Credits each calendar year.
  • No Foreign Transaction Fees.
  • $95 annual fee.

Keep in mind the following:

The bonus is not available to you if you:

(1) are a current cardmember, or were a previous cardmember within the last 30 days, of Marriott BonvoyTM American Express® Card (also known as The Starwood Preferred Guest® Credit Card from American Express);

(2) are a current or previous cardmember of either Marriott Bonvoy BusinessTM American Express® Card (also known as The Starwood Preferred Guest® Business Credit Card from American Express) or Marriott Bonvoy BrilliantTM American Express® Card (also known as the Starwood Preferred Guest® American Express Luxury Card), and received a new cardmember bonus or upgrade bonus in the last 24 months; or

(3) applied and were approved for Marriott Bonvoy BusinessTM American Express® Card (also known as The Starwood Preferred Guest® Business Credit Card from American Express) or Marriott Bonvoy BrilliantTM American Express® Card (also known as the Starwood Preferred Guest® American Express Luxury Card) within the last 90 days.

That’s a lot of long card names, but note the different 30-day, 90-day, and 24-month waiting periods that may now include Marriott business cards. (See my Marriott Bonvoy Business American Express Card Review.) This is why you should be looking to get the best possible bonus (like a limited-time offer) if you do apply.

As of April 2022, Marriott no longer has a fixed hotel category chart for booking points. You can still use these points at either Marriott properties (Ritz-Carlton, Renaissance Hotels, Courtyard, Residence Inn, Springhill Suites, Fairfield Inn & Suites) or former Starwood Properties (Westin, Sheraton, The Luxury Collection, Four Points by Sheraton, W Hotels, St. Regis, Le Méridien, Aloft), but now it is “dynamic” awards where the points required are more linked to the actual cash cost than before.

For reference, 50,000 Bonvoy points used to get you a peak award at Courtyard Waikiki Beach in Hawaii, a standard or off-peak award at the Sheraton Kauai Resort or Residence Inn Maui Wailea, or an off-peak award night at the Westin Moana Surfrider in Waikiki, Honolulu or the Westin Princeville Ocean Resort Villas.

You can use the Marriott free night search tool to price out some sample hotels. In general, I’ve found that you can get most mid-tier hotels (Sheraton, Marriott, Residence Inn, Courtyard) but often not the higher tier (Westin, St. Regis, Ritz-Carlton) at most major US cities. Still, for 5 free nights times $200 a night value easily in my experience, that’s already $1,000+ in potential value.

50k Point Free Night Award. Here is an example from a search performed in June 2022 for a night in August 2022. I can get 5 nights at the Westin San Francisco at Union Square for 48,000 points a night, which otherwise would have cost $343 a night prepaid upfront + taxes. With taxes, the total was $400 a night ($399.56 to be exact). $400 x 5 nights = $2,000 value.

Find a hotel that costs 52,000 points a night or 60,000 points? For example, I recently booked the Westin Maui at 60k points a night. You can just pay the difference in points, as long as the difference is within 15,000 points. Here are details on the Free Night Award Top Off option.

Bonvoy Points can also be transferred to airline miles with a bonus. 60,000 Marriott points = 25,000 airline miles. Similar to the old Starwood bonus structure, they will add 15,000 points for every 60,000 points you transfer to airline miles.

Finally, Marriott points are also 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 so you’ll definitely get the most value via hotel night redemptions or airline miles transfer.

Free Night Award with Card Renewal. 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 value. Here are some sample hotels that I have tried to book in the past that came in at or under 35,000 points for selected dates:

  • 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

No annual fee alternative. The Marriott Bonvoy Bold card is also offers bonus points and some (lesser) perks, but with no annual fee.

Bottom line. The Marriott Bonvoy Boundless Credit Card (formerly the Marriott Rewards Premier Plus Credit Card) is currently offering a special offer for new cardholders. As with all hotel cards, the value is dependent on your unique travel preferences. If you stay at Marriott/Starwood properties regularly, the free night award every year should easily cover the annual fee.

Also see: 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.

Citi Rewards+ Card Review: 20,000 Bonus Points + 5X Restaurants Offer, 0% Intro APR on Purchases for 15 Months

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 Citi Rewards+® Card has removed this restriction from their application terms (please confirm yourself):

Bonus ThankYou® Points are not available if you received a new cardmember bonus for Citi Rewards+®, Citi ThankYou® Preferred, Citi ThankYou® Premier/Citi Premier(SM) or Citi Prestige®, or if you have closed any of these accounts, in the past 24 months.

Combined with the limited-time offer of 20,000 bonus ThankYou points + 5X ThankYou points on restaurants (up to $6,000 purchases in the first 12 months, for a max of 30,000 ThankYou points), this looks like a good way to rack up some more ThankYou points after I finish the spending requirement for the big bonus from my new Citi Premier Card.

Full review:

The Citi Rewards+® Card has become more attractive in this environment with its 0% introductory APR for 15 months from date of account opening, upfront sign-up bonus, and round-ups rewards on small purchases with no annual fee. Here are the highlights:

  • 20,000 bonus points after $1,500 in purchases in the first 3 months. 20,000 ThankYou points = $200 in gift cards at ThankYou.com.
  • New: For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
  • Earn 2X ThankYou(R)Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou(R) Points on All Other Purchases.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 15.74% – 25.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Minimum 10 points earned on every purchase. The card automatically rounds up to the nearest 10 points on every purchase, so for example a $1 parking charge or $2 cup of coffee can earn 10 points. This happens on every purchase with no cap.
  • 10% of your points rebated back on the first 100,000 ThankYou® Points redeemed per year.
  • No annual fee.

0% introductory APR on purchases for 15 months. This is one of the longest 0% intro periods on purchases, which means that you can keep charging all your purchases on this card for 15 months and not have to pay any interest. Carrying a credit card balance is obviously not ideal, but in extreme times such an offer can help with short-term cashflow issues and defer your monthly expenses until later. You will still need to keep making the minimum payments each month to keep the 0% rate. There is also 0% intro APR for 15 months for balance transfers, but that comes with a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

Round up rewards, helpful on small purchases. The default rewards on this card is 1 point per $1 spent, which is rather common these days. They try to mix things up by making it round up to the nearest 10 points on every purchase. For example, a $1 purchase would earn 10 points, not 1 point. A $2 purchase would earn 10 points, not 2 points. A $11 purchase would earn 20 points, not 11 points. This makes the effective rewards percentage much higher on small purchases. If you make a lot of small purchases, this card is well-suited for you.

If you have a high monthly spend amount, I would recommend the Citi Double Cash card instead, as it earns 2% cash back on purchases.

10% Points Back for the first 100,000 ThankYou® Points you redeem per year. Let’s say you get that 15,000 points bonus and earn another 5,000 points from your purchases. When you redeem your 20,000 ThankYou points for a $200 gift card, you’ll also get 2,000 points rebated back to your account.

Thank You points in combination with other Citi cards. You may also combine and transfer your ThankYou points earned with this card to other Citi cards that earn ThankYou points:

  • Citi Premier Card has a big upfront bonus and earns 3X ThankYou points on restaurants, supermarkets, gas stations, air travel and hotels. It also allows you to convert ThankYou points to participating airline mileage programs on a 1:1 basis including JetBlue TrueBlue, Virgin Atlantic, Singapore Airlines, Cathay Pacific, EVA Air, Etihad, Flying Blue by Air France and KLM, and Thai Airways.
  • Citi Custom Cash Card earns 5X ThankYou points on your top eligible spending category up to $500 spent each monthly billing cycle./li>
  • Citi Double Cash earns 2X ThankYou points on ALL purchases.

Bottom line. The Citi Rewards+® Card offers a long 15-month 0% introductory APR period on purchases on top of a 20,000 point sign-up bonus worth $200 in gift cards or transferrable to 20,000 airline miles with their partners. There is also a unique rewards structure for those that make a lot of small purchases. Works well in combination with other Citi cards that earn ThankYou points. 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.

Top 10 Best Credit Card Bonus Offers – July 2022 (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 and checked July 2022. 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 participate in various financial offers for thousands of dollars in extra income (over $5,000 in 2021). These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:

  • Added IHG 140k+FreeNight, Citi AA 75k, Delta 70k, Premier 80k, Southwest 75k, Hilton 100k no AF.
  • Removed Marriott 5 Free Nights, Hilton 100k, IHG 120k no AF, Sapphire 80k, Aeroplan 100k.

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.

Citi Premier Card

  • 80,000 points (worth $800 in gift cards, or transferrable to miles) after $4,000 in purchases in the first 3 months. See link for details.
  • 3X points for every $1 spent on restaurants, supermarkets, gas stations, air travel and hotels.
  • 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.

IHG Rewards Club Premier Card

  • 140,000 bonus points + Free Night Award (40k) after $3,000 in purchases within the first 3 months. Free Award Night valued at up to 40k points (or pay the difference above 40k). See link for details.
  • Additional Free Night after each account anniversary year (valued up to 40,000 IHG points).
  • Global Entry or TSA PreCheck® fee credit up to $100 every 4 years.
  • $99 annual fee.
  • Subject to 5/24 rule.

Gold Delta Skymiles Card from American Express

  • 70,000 Delta Skymiles after $2,000 in purchases within the first 3 months. Limited-time offer expires 8/3. 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).
  • $100 Delta flight credit after $10,000 in purchases on your card in a calendar year.
  • $0 annual fee for the first year, then $99.
  • Also: up to a 110,000 bonus miles offer on the Platinum and Reserve versions.

Citi / AAdvantage Platinum Mastercard

  • 75,000 American Airlines miles after $3,500 in purchases in the first 4 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.

Chase Sapphire Preferred Card

  • 60,000 Ultimate Rewards points (worth $750 minimum towards travel and more) after $4,000 in purchases within the first 3 months. See link for details.
  • $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards(R), 3x on dining and 2x on all other travel purchases.
  • $95 annual fee.
  • Subject to 5/24 rule.*
  • Upgrade pick: Chase Sapphire Reserve Card. Higher travel perks including airport lounge access, higher annual fee.

Capital One Venture X Rewards Card

  • 75,000 miles (worth $750 towards travel) after $4,000 in purchases within the first 3 months. See link for details.
  • $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One Travel.
  • Priority Pass airport lounge access.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $395 annual fee.

Southwest Rapid Rewards Plus Card

  • 75,000 Rapid Rewards points. Earn 75,000 points after $5,000 in purchases in first 3 months. This can be redeemed for over $1,000 in “Wanna Get Away” airfare with no blackout dates.
  • Southwest still gives everyone two free checked bags.
  • More than halfway to Companion Pass. If you can sign up for this one and also the small business version, you can qualify for a Companion Pass in 2022/2023.
  • $69 annual fee.
  • Subject to 5/24 rule.

The Platinum Card from American Express

  • 100,000 Membership Rewards points after $6,000 in purchases in the first 6 months. Plus 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months. See link for details.
  • $200 Hotel Credits, $240 Streaming Credits, $200 Airline Fee Credits, $200 Uber Cash, $189 CLEAR Credit, $300 Equinox credit, $100 Shop Saks credit and more annually!
  • $100 Global Entry or $85 TSA PreCheck fee credit.
  • Premium airport lounge access through the American Express Global Lounge Collection®.
  • $695 annual fee.

Chase United Explorer Card

  • Up to 70,000 bonus United miles. 60,000 bonus miles after $3,000 on purchases in the first 3 months + additional 10,000 miles after $6,000 total on purchases in the first 6 months. See link for details.
  • Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your United ticket.
  • Expanded award availability. Having this card makes it easier to find that saver award economy ticket.
  • $0 annual fee for the first year, then $95.
  • Subject to 5/24 rule.

U.S. Bank Altitude Connect Visa Signature Card

  • 50,000 bonus points (worth $500 in statement credits) after $2,000 in purchases within 120 days. See link for details.
  • 4X points on travel and gas stations, 2X points on dining and grocery stores.
  • Up to $100 statement credit for Global Entry or TSA PreCheck.
  • $30 annual streaming bonus.
  • $0 annual fee the first year, $95/year thereafter.

Hawaiian Airlines World Elite MasterCard

  • 70,000 Hawaiian miles after $2,000 in purchases within 90 days. See link for details.
  • Free first checked bag for primary cardmember.
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

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.
  • 4X points at US supermarkets, on up to $25,000 per year.
  • $250 annual fee.

Barclays AAdvantage Aviator Red Card

  • 60,000 American Airlines miles after first purchase (any amount) and paying $99 annual fee in full, both in first 90 days. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $99 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.

Marriott Bonvoy Boundless Card

  • 3 Free Night Awards (each night valued up to 50,000 points, for a total of 150,000) after $3,000 in purchases within the first 3 months. Limited-time offer. See link for details.
  • Free Night after each account anniversary year (valued up to 35,000 Marriott points).
  • $95 annual fee.
  • Subject to 5/24 rule.

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 family trips – 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.

* 5/24 Rule? 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 24 months (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.

Top 10 Best Small Business Credit Card Bonus Offers – July 2022

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 July 2022. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes:

  • Added Delta 75k, Hilton 130k, Hawaiian 80k+$99, Barclays AA, Spark Cash Plus $1,000.
  • Removed JetBlue 80k+$99, United 150k, CapOne $3,000, Wyndham 90k, AA 80k.

This is a companion post to my Top 10 Best Credit Card Bonus Offers for personal cards. Notice that small business bonuses are on average even higher than those on consumer cards.

Business Platinum® Card from American Express

  • 120,000 Membership Rewards points after $15,000 on eligible purchases in the first 3 months.
  • HUGE list of additional perks including $400 Dell, $360 Indeed, $150 Adobe, $120 wireless phone annual credits, $200 annual airline fee credit, $189 CLEAR credit, Centurion airport lounge access, and more. See link for details.
  • $695 annual fee.

Chase Ink Business Preferred Card

  • 100,000 Ultimate Rewards points (worth $1,000 straight cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®) after $15,000 in purchases in the first 3 months. See link for details.
  • 3X points on the first $150,000 spent on travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines.
  • Primary rental car coverage when renting for business purposes.
  • $95 annual fee.
  • Subject to 5/24 rule.*

Delta SkyMiles Gold Business American Express

  • 75,000 Delta Skymiles after $3,000 in purchases within the first 3 months. Limited-time offer expires 8/3. See link for details.
  • 75,000 Skymiles are worth at least $750 in Delta airfare with “Pay with Miles” option.
  • First checked bag free on Delta flights ($60 value per roundtrip, per person).
  • $100 Delta flight credit after $10,000 in purchases on your card in a calendar year.
  • $0 annual fee for the first year, then $99.
  • Also: up to a 110,000 bonus miles offer on the Platinum and Reserve versions.

Hilton Honors American Express Business Card

  • 130,000 Hilton Honors Bonus Points after $3,000 in purchases in first 3 months. See link for details.
  • Free Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • $95 annual fee.

Hawaiian Airlines Business MasterCard

  • 80,000 Hawaiian miles + $99 statement credit. 80,000 miles + $99 statement credit after $2,000 in purchases within the first 90 days. Limited-time offer. See link for details.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

Barclays AAdvantage Aviator Business Card

  • 80,000 American Airlines miles + $95 statement credit. 80,000 bonus miles + $95 statement credit after $2,000 in purchases in the first 90 days. Limited-time offer. See link for details.
  • First checked bag free on domestic AA flights for you and up to 4 companions ($60 value per roundtrip, per person).
  • $95 annual fee.

Southwest Rapid Rewards Performance Business Card

Chase Ink Business Unlimited Card

  • $750 bonus cash back after $7,500 in purchases in the first 3 months. See link for details.
  • Flat 1.5% cash back on all purchases with no limit.
  • No annual fee.
  • Subject to 5/24 rule.*

Chase Ink Business Cash Card

  • $750 bonus cash back after $7,500 in purchases in the first 3 months. See link for details.
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • No annual fee.
  • Subject to 5/24 rule.*

World of Hyatt Business Card

  • 60,000 Hyatt points after $5,000 in purchases in the first 3 months. See link for details and rough valuation of points.
  • Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • $199 annual fee.
  • Subject to 5/24 rule.

Bank of America Business Advantage Cash Rewards Card

  • $500 statement credit after $5,000 in purchases in the first 90 days. See link for details.
  • 3% cash back on your choice of six categories. 2% cash back on dining and unlimited 1% cash back on all other purchases. The 3% and 2% cash back applies to the first $50,000 in combined category/dining purchases each calendar year, 1% thereafter.
  • No annual fee.

US Bank Business Leverage Card

  • 75,000 bonus points after $7,500 in purchases (on the Account Owner’s Card only) in first the 4 months. 75,000 bonus points can be redeemed for $750 in cash back. Plus see Visa Olympic Games Beijing 2022 Bonus Offer. See link for details.
  • Availability may be restricted to certain states.
  • $0 annual fee for the first year, then $95.

Capital One Spark Cash Plus Business Card

  • Up to $1,000 cash bonus. $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening. See link for details.
  • Unlimited 2% cash back on all purchases with no limit.
  • $150 annual fee.

Capital One® Spark® Miles for Business Card

  • 50,000 miles (worth a $500 statement credit) after $4,500 in purchases in the first 3 months. See link for details.
  • Flat 2X points per dollar spent on all purchases with no limit.
  • $0 annual fee for the first year, then $95.

Alaska Airlines Visa Business Card (Bank of America)

  • 40,000 Alaska miles + $200 statement credit + Companion Fare Voucher after $2,000 in purchase within 90 days. See link for details.
  • Companion fare voucher is “Buy one ticket, get one for $121” ($99 fare plus taxes and fees from just $22).
  • Free checked bag on Alaska flights for you and up to six other passengers on the same reservation.
  • $50 annual fee for company, plus $25 per card.

Marriott Bonvoy Business American Express Card

  • 75,000 Marriott Bonvoy bonus points after $3,000 of eligible purchases within first 3 months. See link for details.
  • Free night award upon card anniversary (worth up to 35,000 Bonvoy points). Earn an additional Free Night Award after spending $60K in purchases on your Card in a calendar year.
  • Annual fee is $125.

* 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 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: 140,000 Bonus Points + Free Night (Up to 40k)

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 offer w/ added Free Night worth 40k. 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, Elite status, and every 4th award night free. Here are the highlights:

  • Earn 140,000 Bonus Points + 1 Free Night after spending $3,000 on purchases in the first 3 months from account opening. Free Award Night valued at up to 40,000 points. NEW: You can now also pay the difference over 40,000 points to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
  • Additional Free Award Night after each account anniversary year at eligible IHG hotels worldwide. Valid at IHG Hotels with a current point redemption cap of 40,000 points. NEW: You can now also pay the difference over 40,000 points to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
  • 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 up to $100 every 4 years as reimbursement for the application fee charged to your card.
  • No foreign transaction fees.
  • $99 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 a conservation valuation is 0.50 cents of value per point, which would make 125,000 IHG points worth an estimated $625 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 has a very competitive bonus right now.

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

Also see: 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, Restaurants, PayPal, Car Rentals – July through September 2022

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 reminder for 2022 Third Quarter. The credit cards below offer 5% cash back and up 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. (* Reminder that you can buy gift cards from lots of places at grocery stores…) New cardmembers may also get an upfront sign-up bonus.

Chase Freedom Flex Card

From July 1st through September 30th, 2022, you can earn 5% cash back (or 5X Ultimate Rewards points) on up to $1,500 spent in the following categories:

  • Gas Stations
  • Car Rental Agencies (including Hertz, Avis, National, Enterprise, Budget, Alamo, Dollar, etc)
  • Movie Theater
  • Select Live Entertainment (including Amusement Parks, Major Pro Sporting Events, and Ticketing Agencies)
  • Detailed merchant list

(The categories are also the same for the old Chase Freedom card, which is no longer available to new applicants.)

Enroll each quarter online in your Chase account or at ChaseBonus.com. As long as you activate by the 14th of the first month in each quarter, the rewards are retroactive. Technically, you earn Ultimate Rewards points which may be worth even more when converted to airline miles or hotel points instead of cash if you have a Chase Sapphire Preferred or Chase Sapphire Reserve card. You could also use the Pay Yourself Back tool to get 25% to 50% more than 1 cent/point value. Currently, the Chase Freedom Flex card is offering new applicants a $200 bonus if you sign up and make $500 in purchases in your first three months. No annual fee.

Discover it 14 ImageDiscover it Card

From July 1st through September 30th, 2022, you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Restaurants
  • PayPal (includes PayPal wallet online, money transfers via PayPal using your card, and point-of-sale transactions using PayPal Here)

Enroll after logging into your online account. 5% rewards won’t apply until after you activate your rewards, so it is best to activate now before you forget. No annual fee.

Discover it $100 bonus details. If you are a new applicant and sign up via Discover Card referral link, you will get a $50 improved $100 Cashback Bonus after your first purchase within 3 months of being account opening. 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.

* You will receive a $100 Statement Credit after making a purchase within three months of account opening. You must apply through your friend’s referral link and be approved by December 31, 2022 in order to be eligible for the $100 Statement Credit offer. Offer may not be combined with any other introductory offer. Promotional award will be applied within 8 weeks.

Citi Custom Cash Card. This new card offers 5% cash back on your *single* top eligible spending category up to $500 spent each monthly billing cycle (which effectively adds up to $1,500 a quarter). Eligible categories include broad ones like restaurants, gas stations, grocery stores, or select travel, but you only get 5% for the top category that month and 1% on everything else. To simplify things you could, for example, elect to only use this card for gas all year long.

Similar to the Chase Ultimate Rewards system above, this card and the Citi Double Cash card (earns 2% cash back) both technically earn Thank You points. You can’t convert your points to airline miles with this card alone, but you can transfer them to the Citi Premier Card, which does allow you to convert miles in various programs on a 1:1 basis including JetBlue, Cathay Pacific, EVA Air, Etihad, Flying Blue by Air France and KLM, Singapore Airlines, and Thai Airways.

Currently, the Citi Custom Cash card is offering new applicants a $200 bonus after you spend $750 on purchases in the first 3 months of account opening. You’ll actually get 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 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 put all my streaming services on it, 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 generous welcome offer. See details in link.

U.S. Bank Cash+ Visa Signature Card. You must 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 and every 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. New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

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 has not been available to new applicants for years now, 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. There are multiple options out there, here are the ones I’ve had for years. 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.

SoFi Personal Loan $300 Bonus (No Fees)

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 limited-time $600 offer is expired as of 7/6 if you haven’t started your application yet (see fine print). For those that did apply in time, the $600 is already showing in my account and other readers’s accounts!

SoFi is still in aggressive growth mode. If you have any SoFi accounts, look in your email inbox for something titled “[First Name], get a $600 bonus and seize your financial freedom” or “Special invite: [First Name], we’re excited to present a $600 bonus.” Mine was in my spam folder, but it contains a pretty good bonus if you are able to take out a fee-free loan and pay it back immediately (i.e. not spend it). Both my wife and I were targeted, and both offers require you to apply by end of day July 5th, so I wanted to send this out quickly. (Update: Looks also to be available via this link if you didn’t get via e-mail. “Pay off high-rate credit cards with a SoFi Personal Loan that comes with a low fixed rate, same-day funding, and a $600 welcome bonus.”)

Basically, the idea is that you take them up on this personal loan offer for the minimum amount of $5,000. SoFi charges no fees, so no application fee, no origination fee, no prepayment (early payoff) fee. You will get a hard pull on your credit report, but for me the $600 is worth it. So you get the $5,000, pay a day or two’s worth of interest (a few dollars), and then pay off the loan completely. Take the $600 bonus into your SoFi Checking and Savings account (which earns up to 1.50% APY and has its own $325 bonus) and walk away with a tidy profit.

¹ SoFi Lending $600 into a SoFi Checking and Savings account on a SoFi personal loan offer: Terms and conditions apply. Offer is subject to lender approval. The offer is only open to new SoFi Personal Loan borrowers and may not be combined with other offers aside from the autopay discount, direct deposit discount, and direct pay discount. To receive the offer, you must: (1) register and apply through the promotion link for a SoFi Personal Loan by 11:59pm EST 7/5/2022; (2) complete and fund a loan application with SoFi before 11:59pm EST 7/8/2022; (3) have or open a SoFi Checking and Savings account within 60 days after starting a personal loan application; and (4) meet SoFi’s underwriting criteria. Once conditions are met, your $600 welcome bonus will be deposited into your SoFi Checking and Savings account within approximately 30 calendar days after earning the bonus. If you do not qualify for the SoFi Checking and Savings Account, SoFi will offer payment via ACH transfer pending completion of a W9 form. Bonuses that are not redeemed within 60 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year may be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice.

Here is the rate I was offered during the pre-approval process. You can see the rate before proceeding with the application (before the hard credit check).

Not targeted? Alternative $300 referral offer details. If you were not targeted for this email promo, you can get a $300 personal loan bonus via referral. For some reason, this offer includes some additional fine print:

Offer not available to residents of Vermont or Ohio. You must keep your loan active and in good standing for at least 90 days to receive the $300 bonus.

The easiest way to manage this is to pay down as much of your loan as possible (i.e. make a one-time $4,999 payment) and leave a balance of $1 to keep the loan active and good standing. Don’t pay it off until 90 days have passed. This only costs you a few cents in extra interest.

Some people may choose to do this even for the targeted offer above and keep the loan open with a tiny balance until the bonus posts, just to be extra careful, even though there is nothing required in that fine print. Your call.

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.