Personal Finance Questions and Answers for Young Professionals » Reward Credit Cards

Less than $4 dollars away from an extra $50 dollars!: Update 1

pbucelwicz — Fri, 26 Jun 2009 03:01:19 +0000

I was so close! I can’t believe I was this close and failed to reach $200 dollars in cash back rewards from Chase. A month ago I posted an article about how to save your cash back rewards because The Chase freedom card is no longer going to give the $50 dollar bonus for waiting until you have saved up $200 dollars in rewards. It is different for each person and I think it depends on the aniversary date. My $50 dollar bonus was going away June 30th, so I had up until my last statement day which was June 25th. As you can see below I just missed it. I would have made it easy if all my pending transactions had completed by midnight June 24th.

I have until June 30th. I wonder if I can call them and see what I can negotiate with them. That $3.34 could turn into $50 bucks. I know you might think thats not a big deal, but to come so close, and to have literally made it, just some delays in transactions means I don’t get the $50 dollars.

I wonder if there is a way for me to talk to them and see if they can make this happen. I would think almost 100% NOT going to happen. Why would Chase help me get more money, that is just not in the best interest of their company.

Make sure you guys check when your statements are ending, and when your $50 dollar reward is up! Don’t miss out like I am going to.

Update:
I emailed Chase this morning asking them what I can do to make up the point/cash. I asked if it was possible to transferpoints or borrow points in order to make it to the $200 mark I need to order that $250 dollar check. Here is the reply I got from Chase about 2 hours later:

I was shocked too! That was awesome! I have always been really pleased with the customer service from Chase, but this I never expected. Get a Chase card if you don’t already have one!

Here is the results already:

I will post another picture when I get the check. Please share if you had good customer service experience with Chase.

Save extra while shopping online

pbucelwicz — Wed, 28 Jan 2009 16:49:39 +0000

If you have’t tried shopping through your credit card company’s website… what are you waiting for?

A few of my credit cards that I know of have online shopping portals where you save extra money and earn up to 20% cash back!

Discover® Open Road® Card: ShopDiscover

Discover® More® Card

AMEX: ShopAmex

Running this site and having signed up for a few affiliate programs, I know a little about how this works. When I post an ad on this site and someone buys something from that link. We get a commission off it. There are hundreds of these online affiliates to sign up with. The credit card companies, like Discover, and ~~Chase~~ are doing the same thing. They are affiliated with these shops to offer an additional discount if you buy the products through their online shopping website. I’ve looked up a couple of the commissions because we share the same affiliate. Gap for example offers commissions between 4-6% off CJ’s affiliate program. Through shop discover purchases from Gap, get an additional 5% cash back, on top of the standard 1% cash back.

This is a great way to save some extra coin while shopping online. I highly recommend you take a look at your credit card online store next time you think about making an online purchase. They have hundreds of stores for everything from food to electronics.

My personal example: I recently purchased a new MacBook. The MacBook came out to $1634.00. I made the purchase through Shop Discover and earned a total of $86.12 cash back off that one purchase.

The Best Gas Rewards Credit Cards

pbucelwicz — Wed, 04 Jun 2008 03:41:27 +0000

With rising gas prices being an issue around the country there is only so much we can do about it. I figured I would help you out and make a list of The Best Cash Back Credit Cards used for Gas Rebates. A couple of these cards offer an introductory gas rewards rate. Make sure you read the card agreement carefully so you know what you are getting into.

Best of credit cards:
The Best Gas Rewards Credit Cards – Current Page
The Best Cash Back Rewards Credit Cards

Shell Platinum MasterCard® *Editors Choice

5% cash back on Shell gasoline purchases
1% cash back on all other purchases
0.00% APR on Balance Transfers for 6 months, then 12.99%.
Apply Now! – Read MoneyAnswerTree’s Review

Discover® Open Road

5% Cashback Bonus® on gas and auto maintenance purchases
Up to 1% Cashback Bonus on all other purchases
0% APR for up to 12 months
Unlimited cash rewards
Apply Now! – Read MoneyAnswerTree’s Review

Citi® Dividend Platinum Select® Card

Earn 5% cash back at gas stations, supermarkets and drug stores, convenience stores, and utilities including cable for 6 months and 2% thereafter
Earn 1% cash back on all other purchases
0% APR on balance transfers for up to 12 months
Apply Now!

Capital One Card Lab: Personalize your credit card

pbucelwicz — Sun, 02 Mar 2008 22:28:38 +0000

Key Points:

• Indicate your credit level. There is a card for most levels of credit
• Choose your rewards. Pick miles, points or cash
• Choose your own interest rate
• Option to choose 2x the rewards. Up to 2% cash back
• Unlimited rewards
• Pick your annual fee.
• Personalize your card by uploading your own photo

Apply Now!

Additional Benefits:

• 24-hour road side assistance with lock-out service, towing, and flat repair.
• $100,000 worldwide automatic travel accident insurance
• Collision, Damage, and Loss Insurance on rental cars
• Emergency card replacement, or cash advance if your card is lost or stolen
• $0 fraud liability for any unauthorized use if the card is lost or stolen

Capitol One® Card Lab