Chase MyBonus: Check For Targeted 10%/10X Back on Gas/Groceries/Amazon

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.

A quick reminder that you can discover targeted offers for your Chase credit card at Chase.com/mybonus. This includes both their in-house cards like Sapphire or Freedom Flex and their co-branded cards like United, IHG, Hyatt, Southwest, Amazon, etc. For some reason, I always find surprise offers that I have never heard about otherwise.

For example, I just found this offer on my Chase IHG hotels credit card for 10X points on gas purchases and 5X on Amazon/grocery stores (up to a limit) through the end of the year:

From Oct. 1 through Dec. 31, you’ll earn 10X total points at gas stations and 5X total points on Amazon.com and at grocery stores for every dollar you spend on up to $1,500 in combined purchases with your IHG® Rewards Traveler Credit Card.*

I also got 10% back on gas on my Chase Amazon card:

From Oct. 1 through Dec. 31, you’ll earn a total of 10% back at gas stations and a total of 3% back at grocery stores and restaurants for every dollar you spend on up to $1,500 in combined purchases with your Amazon Rewards Visa Signature® Card.* link to go to footnote asterisk Cardmembers with an eligible Prime membership always earn 5% back at Whole Foods Market.

In some cases, you may be able to stack on top of your existing rewards, for example the current 5% cash back categories of the Chase Freedom and Freedom Flex.

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: Walmart, Amazon, PayPal, Digital Wallets, Gas, Groceries – October through December 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 4th 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 October 1st through December 31st, 2022, you can earn 5% cash back (or 5X Ultimate Rewards points) on up to $1,500 spent in the following categories:

  • Walmart (includes Walmart Discount Stores, Walmart SuperCenters, Walmart Neighborhood Markets, www.walmart.com, Walmart branded gas stations operated by Walmart, any other Walmart branded retail stores operated by Walmart and purchases made with Walmart Pay.)
  • PayPal (includes purchases made using your Chase Freedom Flex card with PayPal. Qualifying purchases made using PayPal at Walmart will only earn a total of 5%.)

(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 October 1st through December 31st, 2022, you can earn 5% cash back on up to $1,500 spent in the following categories:

  • Amazon.com (includes purchases made through the Amazon.com checkout, like digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions and items sold by third party merchants through Amazon.com’s marketplace.)
  • Digital Wallets (includes purchases made online and in-store with your smartphone, tablet, or wearable. Wallets that qualify include Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.)

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 5% cash back on gas all year long (up to $500 per month).

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.

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.

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.

Marriott Bonvoy Business® American Express® Card Review – 75,000 Bonus Points + Free Annual Award Night

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 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:

  • Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
  • 6X points at hotels participating in the Marriott Bonvoy(R) program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2X points on all other eligible purchases
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy(R) points) at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
  • Each calendar year you can receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status.
  • Annual fee is $125. (See Rates and Fees)
  • Terms Apply.

Keep in mind the following terms and conditions:

Welcome offer not available to applicants who (i) have or have had the Marriott Bonvoy™ Premier Plus Business Credit Card from Chase, the Marriott Rewards® Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business™ Credit Card from Chase, or the Marriott Rewards® Business Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Boundless™ Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy Bold™ Credit Card from Chase, the Marriott Bonvoy™ 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 Boundless™ Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy Bold™ Credit Card from Chase, the Marriott Bonvoy™ 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) 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, 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.

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

(See Rates and Fees)

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.

JetBlue Plus Card Review: 80k Points 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.

Updated with 80k limited-time offer. The JetBlue Plus Mastercard is a rewards credit card that earns TrueBlue points for purchases and includes special perks for JetBlue customers. Here are the highlights:

  • Limited-Time Offer: Earn 80,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days.
  • First checked bag is free for the primary cardmember and up to 3 companions when tickets are purchased with your JetBlue Plus Card.
  • 6X points on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Annual $100 statement credit after you purchase a JetBlue Vacations package of $100 or more.
  • Points awarded in your TrueBlue account don’t expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases including cocktails, food and movies.
  • Get 10% of your points back every time you redeem to use toward your next redemption.
  • 5,000 TrueBlue bonus points annually after your account anniversary.
  • $99 annual fee.

First checked bags on JetBlue usually cost $35 each-way, per person. The free checked bag perk applies to you and up to 3 travel companions on the same reservation when (1) the ticket is purchased with your JetBlue Plus card, (2) the primary cardmember’s TrueBlue member number must be entered at the time of booking. That works out great for a family traveling together. If you buy higher fare classes, a certain number of complimentary bags may already be included.

How does redeeming TrueBlue points work? TrueBlue works on a revenue-based system, where the points required depends on the current cash cost of the flight (with no blackout dates). If they sell it for cash, you can book it with points. This is different than traditional chart-based systems that charge a fixed point balance but imposes blackout dates and limited seat availability.

TrueBlue points are best redeemed for JetBlue flights. There are some other options like newspaper or magazine subscriptions, but I won’t cover them here.

TrueBlue points can be estimated at 1 points = 1.3 cents. Ex. 30,000 points would cover roughly $390 in JetBlue airfare. The exact value may vary, but 1.3 cents is a conservative average of what I found across Blue, Blue Plus, and Blue Flex fares. You can test it out yourself by pricing out the same flight on JetBlue.com using points or cash (you don’t need to sign-in or have an account). Here is an example of a randomly-chosen Blue flight from New York City (JFK) to Orlando (MCO). The roundtrip flight costs $250.20 cash total:

Or the exact same roundtrip flight costs 15,800 TrueBlue points + $11.20 in taxes/fees:

That means the 15,800 points offset $239 in cash, or a value of 1.51 cents per TrueBlue point. But again, 1.3 is a conservative average estimate.

This means 2X points back on restaurants and groceries can be estimated as 2.6% back in the form of TrueBlue airfare. The 3X points back on Jetlue-operated flights can be 3.9% back in the form of TrueBlue airfare. The 6X points back with the Plus card on JetBlue-operated flights can be 7.8% back in the form of TrueBlue airfare.

Upon the renewal of your $99 annual fee, you get another 5,000 TrueBlue points ($65 of airfare value at 1.3 cents/point). If you can take advantage of the free checked bag perk, there is definitely ongoing value for regular JetBlue fliers. I haven’t investigated the $100 off a JetBlue Vacations package, but it could be worth a look.

Bottom line. The JetBlue Plus card from Barclaycard offers several perks for regular JetBlue customers such as a free first checked bag for you and up to 3 companions. Right now, there is also a new cardholder offer of up to 80,000 TrueBlue points ($1,040 of airfare value at 1.3 cents/point) when you satisfy the spending requirements and pay the $99 annual fee.

Also see: Top 10 Best Credit Card Bonus Offers.

There is also a JetBlue Business card that currently offers 80,000 bonus points and a $99 statement credit after spending $2,000 on purchases in the first 90 days. Also see: Top 10 Best Business Card 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 Cash Preferred® Card from American Express Review: 6% Cash Back at US Supermarkets ($6,000/Year), Welcome Bonus, New Disney Streaming 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.

New Disney streaming bundle credit worth $7 a month ($84 annually). The Blue Cash Preferred® Card from American Express has been in heavy rotation recently: 6% cash back at US stand-alone supermarkets on up to $6,000 per year in purchases. The welcome offer is also currently very generous. If you spend $100 a week at supermarkets, that alone will earn you over $300 a year in rewards. The highlights:

  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • NEW: Disney Bundle credit worth up to $84 annually. Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 17.74% to 28.74%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $0 intro annual fee for the first year, then $95. (See Rates and Fees)
  • Terms Apply.

Max out your benefit by buying gift cards at US supermarkets. I use this card to buy gift cards at a standalone US supermarket to use up the annual limit and get 6% back. My local Safeway has an entire wall of options, but I usually go with Amazon, Apple, or Starbucks (gifts). You can easily confirm that your purchase still gets 6% cash back on your account online:

Supermarkets details. “US stand-alone supermarkets” means that superstores, convenience stores and warehouse clubs are not considered supermarkets. This means no Super Wal-Mart, no Super Target, no Costco. Examples of merchants that do count (and this is not a complete list!) are Safeway, Whole Foods, Meijer, Vons, Winn-Dixie, Gristedes, Shoprite, Stop and Shop, and online supermarkets such as FreshDirect.

Gasoline details. “US stand-alone gas stations” means that superstores, supermarkets, and warehouse clubs that sell gasoline are not considered gas stations. This means no Target, no Costco, no Sam’s Club. Examples of merchants that count (and this is not a complete list!) are Exxon, Mobil, Hess, Shell, Gulf, Murphy USA, Murphy Express.

US Streaming Subscriptions details. These are all included at 6% cash back:

• Amazon Music
• Apple Music
• Audible
• CBS All Access
• Direct TV Now
• ESPN+
• Fubo TV
• HBO Now
• Hulu
• iHeartRadio
• Kindle Unlimited
• MLB.TV
• NBA League Pass
• Netflix
• NHL.TV
• Pandora
• Prime Video Unlimited
• Showtime
• Sling TV
• SiriusXM Streaming and Satellite
• Spotify
• YouTube Music Premium
• YouTube Premium
• YouTube TV

Disney Bundle credit details. Receive $7 back each month (up to $84 back annually) after spending $13.99 or more each month on an eligible subscription to The Disney Bundle which includes Disney+, Hulu, and ESPN+ using your Card. Enrollment required.

Enrollment on the Amex.com Benefit Dashboard is required to receive this benefit. Blue Cash Preferred® Card Members are eligible to receive a $7 statement credit each month after making qualifying purchases online at U.S. websites Disneyplus.com, Hulu.com or Plus.espn.com and in U.S. dollars amounting $13.99 (excluding taxes) or more in that calendar month. “Qualifying purchases” include The Disney Bundle monthly subscription purchases of either $13.99 a month or $19.99 a month (excluding taxes) and any other monthly or annual subscription purchase or add-ons purchased at U.S. websites Disneyplus.com, Hulu.com or Plus.espn.com that amount to $13.99 (excluding taxes) or more in any one calendar month made with your enrolled Card.

Annual fee. There is a $95 annual fee, so you’ll want to utilize that 6% cash back on groceries to maximize your value. If you spend the max cap of $500 a month at supermarkets, at 6% back that would net you $360 cash back in a year vs. $60 at 1% cash back. Note that simply spending $31 per week at supermarkets at 6% cash back will result in over $95 Reward Dollars per year to cover the annual fee.

If you spend the max cap of $500 a month at supermarkets, at 6% back that would net you $360 cash back in a year. Minus the $95 annual fee, and you’ll still earn $265 net cash back on $6,000 of spending, for an net overall cash back rate of 4.4%. That’s still a good year-round cash back rate for groceries, and I’m completely ignoring the US streaming subscriptions category.

Alternatively, the Blue Cash Everyday® Card from American Express offers 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and other perks but with no annual fee. See application for current welcome bonus. Terms apply. (See Rates and Fees)

Cash back is officially given in the form of Reward Dollars that can be redeemed as a statement credit, gift cards, and merchandise. I always just stick with statements credit to directly pay down my monthly bill.

Bottom line. The Blue Cash Preferred® Card from American Express has the key feature of 6% cash back at US supermarkets (on up to $6,000 per year). You can now also get 6% cash back on Netflix/Spotify/HBO Now as well as 3% cash back at US gas stations and transit (Uber/Lyft/train). This has been a “keeper” card for me for many years now. I treat it like one of my 5% cash back cards, except there are no rotating categories or activations to worry about. They also just added a Disney streaming bundle credit worth up to $7/month ($84 annually).

(See Rates and Fees)

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.

United Business Card Review: 75,000 Bonus Miles 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 UnitedSM Business Card offers unique perks for regular United customers including free checked bags and expanded award seat availability for redeeming miles. Here are the highlights:

  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • 5,000-mile “better together” bonus each anniversary when you have both the United(SM) Business Card and personal Chase United credit card.
  • Free first checked bag – a savings of up to $140 per roundtrip (terms apply), 2 United Club(SM) one-time passes per year, and priority boarding privileges.
  • $100 United® travel credit after 7 United® flight purchases of $100 or more each anniversary year.
  • 2X miles per $1 spent on local transit and commuting, including train tickets, taxi cabs, mass transit, tolls and ride share services.
  • 2X miles on dining, gas stations and office supply stores.
  • 2X miles on United purchases and 1 mile per $1 spent on all other purchases.
  • No foreign transaction fees.
  • Your miles don’t expire as long as your credit card account is open, with no limit to the number of miles you can earn.
  • Employee cards at no additional cost.
  • Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
  • $0 introductory annual fee for the first year, then $99.

This card is considered a “new” card, differ from the old Business Explorer card:

This product is available to you if you do not have this Card and have not received a new Cardmember bonus for this Card in the past 24 months.

In addition, you can get this card and bonus if you had the consumer version of the United Explorer in the past 24 months (or have one now).

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.

Note that Chase has an unofficial rule that they will most likely 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.

The good news is that small business cards from Chase hardly ever show up on personal credit reports, so getting this card in itself won’t affect your future 5/24 eligibility. This it makes a “free” application if you are already eligible.

This card is very focused on rewarding you for being a United customer. Before you board, you might use one of your free United Club lounge passes. You have the first checked bag for free on United flights, both for your and a companion traveling on the same reservation. The fee is usually $35 per person, each way, so that this how they get the value of $140 each roundtrip. You also get Priority Boarding, which helps you find space for your carry-on.

Expanded award availability. You earn United miles for all your purchases (double miles on restaurants and hotel stays), but then they also make it easier for you to redeem those miles on Saver level tickets with no blackout dates. Expanded award seat availability is another of the top perks from this card, and it is actually a significant difference. Saver Award ticket redemptions start at 12,500 miles one-way within the continental U.S. and Canada.

Another unique feature of this card is that it offers primary coverage on the Auto Rental Collision Damage Waiver. On many other cards, this coverage is offered as secondary coverage, meaning it only kicks in after your personal auto insurance has been exhausted.

Bottom line. The United Business card offers valuable perks for folks that fly United even just once or twice a year. The card provides lounge passes, a free checked bag, priority boarding, and inflight discounts. There are bonus categories to earn more miles, and special expanded award seat inventory for credit card holders to make it easier to actually redeem those miles for flights.

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.

Chase Aeroplan World Elite Mastercard Review: 70,000 Bonus Aeroplan Points

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.

Chase and Air Canada have partnered to create the Chase Aeroplan World Elite Mastercard for US customers. I was able to get over $1,200 in value from 70,000 Aeroplan points towards Air Canada flights to Vancouver (details below). Here are the highlights on the sign-up bonus and Air Canada perks:

  • Earn 70,000 points after you spend $3,000 on purchases in the first 3 months.
  • Free first checked bags on Air Canada flights: one free checked bag for the primary cardmember and up to eight other travelers on the same itinerary.
  • Automatically receive Aeroplan 25K Elite Status for the remainder of the first calendar year, plus the following calendar year, allowing primary cardmembers to enjoy benefits such as priority check-in, early boarding, upgrades and more on Air Canada flights.
  • $100 credit toward Global Entry, TSA Precheck or NEXUS every four years (as reimbursement for the application fee charged to your card)
  • No foreign transaction fees.
  • $95 annual fee.

Here is the rewards structure on credit card spending:

  • 3X points on dining, takeout, and eligible delivery services
  • 3X points at grocery stores
  • 3X points on direct purchases at Air Canada
  • 1 point for each dollar spent on all other purchases
  • 500 bonus points for every $2,000 spent in a calendar month (up to a maximum of 1,500 points per calendar month)

Redeeming Aeroplan points for flights. It is very easy to redeem Aeroplan points on Air Canada, Air Canada Express, or Air Canada Rouge flights because “every Air Canada seat available to buy for cash is also available for points, no restrictions.” You simply run a search like normal on the Air Canada website, and it will tell you upfront the cost in Aeroplan points. It’s quite easy to compare the cash cost side-by-side. In addition, when you have this credit card, you get even better preferred pricing on flights when redeeming points.

Here is an example flight from San Francisco to Vancouver during our March Spring Break period:

At 8,300 miles + CAD$8 for a one-way flight, that means I could get 4 of these SFO-YVR roundtrip flights for 70,000 with some 3,000+ points left over. This means an entire family of four could get their flights covered. The cash cost for the one way was CAD$207 or US$161 at this writing, for a total redemption value of CAD$1,656 or US$1,288.

For a more general idea, here is a link to the Aeroplan rewards chart (PDF). The points required are based on distance.

You can also get excellent value by redeeming your points on a partner airline.

Redeem towards any travel at 1.25 cents per points. Chase allows an alternative option to redeem Aeroplan points at a rate of 1.25 cents per point:

Pay Yourself Back: Chase Aeroplan Cardmembers are able to apply their Aeroplan points toward travel purchases on any airline, including hotel, car rental, and more at a rate of USD 1.25 cents per point up to 50,000 points per year (US$625 of value)

This offers effectively places a floor on the value of your Aeroplan points, assuming you spend that minimum amount on any travel during the year.

Bottom line. The new Chase Aeroplan World Elite Mastercard offers a 70,000 point sign-up bonus and perks (including free first checked bag) for those that fly on Air Canada.

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.

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.

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 17.24% – 27.24%, 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.