Archive for November, 2011


Last Day for American Express Cyber Week Sale!

Sales, discounts, price cuts and cash backs! It’s all about saving that extra dollar when it comes to Black Friday weekend and Cyber Monday. Some banks however have taken the holiday and extended their promotion starting from the 21st of November, all the way to November 30th. American Express is one of these providers who are celebrating Cyber Week Sale.

For those who still haven’t had enough of shopping and great deals, today’s the last day to avail of American Express’ holiday promotion.

20% Off on Cyber Week Shopping

That’s right, American Express card holders and members can rejoice with a flat 20% discount on items when you shop at American Express’ Member Rewards Site. And when they say 20% discount, they really do mean it because this same rate applies to all items from all 50 affiliate shops such as Sony, Cuisinart, Banana Republic and more.

The discount already sounds amazing, but is there a catch? Well, the only thing that keeps you away from a 20% off shopping spree is the type of card you own. In order to qualify, you must have a Green, Gold, Platinum, ZYNC or Centurion Card.

Membership Rewards and Extra Points

If you don’t happen to qualify for the promotion, there’s no need to despair. You can still avail of your Membership Site Rewards such as 5 times more points via 21 different retailers all the way through December 31st so there’s no need to rush. That is equivalent to about 5% cash back in your favorite retailers like Bloomingdales, Apple, Target and Godiva.

No Card Yet?

For those who don’t have the any card from American Express yet, it may be too late to avail of the 20% discount. However, AmEx does offer great deals all year round. Recommended cards include Blue Cash for frequent shoppers and American Express Platinum for heavy travelers.

Aside from the 20% off and membership rewards, there are also added perks from individual retailers like easy point redemption with Amazon and a $10 gift pack from Bath and Body Works. Just browse around the member site and check out the cool deals American Express has to offer on their last day of Cyber Week.


Holiday Spree to 529 Savings With Bank of America’s Upromise Card

Are you a parent who’s trying to come up with different ways to save for your kid’s college education? Then it seems that Bank of America has the perfect solution for your problem. This holiday season, Bank of America’s Upromise card will help answer all your Christmas prayers when it comes to your child’s education.

Bank of America‘s Upromise Mastercard links your holiday spending to a special 529 savings plan that turns your cash back rewards into your child’s future tuition payments. Normally, cash back is 1% for every day purchases, and a variety of cash back amounts for different retailers. For example, there can be 2% cash back for certain gas stations while 10% cash back can be offered at selected drug stores and groceries.

There is no limit to the amount of cash back that a card holder can accumulate. And aside from the amazingly high cash back rewards, consumers can enjoy watching their contributions grow, tax free until your child reaches the age of college.

Cash earned from everyday spending will go directly to a Upromise account and can be invested in a tax-deferred 529 savings plan deposited in a Sallie-Mae High Yield Savings Account which can be used to help pay down a Sallie Mae student loan or requested by check.

The Extra Boost This Holiday Season

If the 1-10% cash back already sounds good, Christmas always brings out that spirit of giving. So, this holiday season, Bank of America is offering an extra 11% cash back on top of the usual cash back percentages. This is probably among the highest cash backs you can expect to have with any retailer. For stores such as Gap, BestBuy, Target, Nordstorm, Apple, and more, expect to avail of cash backs as high as 12-16%.

So while you’re out buying that train set for your little boy, or that porcelain doll for you precious girl, or even that iPad for your teen, you can feel even better about spending for your child because you know that you’ll be saving for their future as well. With these amazing cash back deals, you can certainly give and receive this Christmas.


Get a Chance to Win $10,000 With Your Citi Credit Card

Christmas is just around the corner and although we each have our individual wish lists, there’s one thing that we’d all like to have – winning hundreds to thousands of dollars in cash! This holiday season, Citi Bank gives their credit card customers the chance to win something close to that. Instead of winning cold hard cash, their consumers can win “money” through a Citi Prepaid Card, which is well, just about equivalent to cash.

If you already have a credit card with Citi Bank, all you have to do is register and use your card for a chance to win $10 to $10,000 in Citi Prepaid Cards. Use your registered Citi card on any eligible purchase starting from November 1 to December 31st of this year. Each eligible online purchase will be worth 5 entries, while all other purchases will be worth one entry.

Some Fine Print

Eligible cards include any Citi branded credit card, AT&T Universal Card and/or Citi American Express card. This promotion will exclude the Citi Business Card and Citi Business Advantage Card in which the card is issued to a business establishment. Card holders must also be aged 18 and above.

It is also possible to enter the promotion even without a purchase by simply writing down your full name, complete billing address, day and evening phone numbers (including area code), email address, date of birth, plus the last four (4) digits of your Eligible Citi Credit Card on a 3″ x 5″ piece of paper and mail it, with proper postage to the postal address which can be found on Citi’s promotional page.

If you already have a card with Citi Bank then it would be advisable to register your card as soon as possible so you can already start earning entries with every purchase that you make. The more you buy gifts for your loved ones, the more you can expect money to come to you. After all, Citi Bank does promise thousands of winners every week. You might just get lucky.


$150 With Discover More Credit Card

Had a blast with Cyber Monday? If you still haven’t had enough of the deals and sales, there’s still a little something you can scrape to wrap up your pre-December shopping. Discover bank is currently giving out $150 on their Discover More card. This promotion is set to end in November 30th, so you’ve got a little more time left before this deal closes out on you. Here’s what you need to do to get the card and the extra $150:

* Open a Discover More Credit Card
* Spend at least $1,000 on the first 90 days of account opening

Easy right? And if you really do the math, getting $150 while purchasing the things you love and need with your $1,000 actually gives you a 15% return which beats most other investments. Plus, you can avail of the different perks that the card has to offer. The Discover More Card is best known for the following perks:

* 5% Cash back on rotating categories such as travel, gas, shopping, groceries, home improvement, and more.
* 1% Cash Back on other puchases
* 0% APR on both purchases and balance transfers for the first 6 months, varied interest from 11.99 to 20.99% will apply after the introductory period.
* No annual fee, no additional card fees, no redemption fees

20% Cash Back from Online Retailers

And if the regular perks and the extra $150 aren’t enough to brighten up your holiday season, Discover even adds more to the benefits that their card holders can receive. If consumers shop at Discover’s online shop, ShopDiscover.com, they are eligible to get a huge 20% cash back on their purchases. Plus, it won’t be difficult to find what you need to buy since Discover’s network of affiliate retailers is definitely large and growing. You can enjoy online shopping at Sears, BestBuy, Barnes & Noble, Bed Bath & Beyond, Sears, and many more.

About Discover Card

Card holders from Discover certainly won’t be disappointed since Discover has ranked #1 in customer loyalty for 15 years straight according to Brand Keys Customer Loyalty Engagement Index Reports.

Considering how good the deal sounds, there’s really no time to waste. This limited time offer will expire in two days (November 30th), so go ahead and sign up to Discover’s promotional link and enjoy the wonderful benefits that Discover More has to offer.


Navy Federal Credit Union Rocks Cyber Monday

Now that Black Friday is over, the shopping still hasn’t come to a close. Because of the popularity of online shopping, a new holiday has done us all a favor in extending the much needed sales and discounts for the holidays. Some people say Cyber Monday is a lot more convenient since all you need is a laptop and an Internet connection, and probably if you have that perfect credit card to use, Cyber Monday would surely be a blast.

The Offer

Navy Federal Credit Union is offering their consumers just that. The credit union is challenging their would-be customers to say goodbye to their old credit card and sign up to a Visa with them. The card from Navy Federal Credit Union is said to have cash back rewards for every purchase, no annual fee, plus super low interest rates. Plus you can feel safe to shop online because of their $0 Liability policy that protects you from unauthorized purchases. Since this seems like the usual offer, what’s more to it?

Corporate spokesperson Donovan Fox reveals that Navy Federal members can enjoy the new “Member Mall” which gives access to over 700 retailers online while dishing out discounts and rewards points in the process. The member can earn rewards points when they use Navy Federal Visa, but the type of card will determine how much points and reward types they can get. It has been reported that the Member Mall offers competitive and better discount rates than most other retailers online.

The credit cards available from Navy Federal Credit Union are cashRewards,nRewards, nRewards Secured, goRewards, Visa Signature Flagship Rewards, and Platinum. Again, points and reward types will be determined by the type of card.

Membership

Membership is for All Department of Defense uniformed personnel, reservists, government employees assigned to DoD, family members of eligible individuals, and others serving for the Department of Defense. The website also offers a Membership Eligibility Wizard to know if you’re eligible for membership.


Triple the Black Friday Fun with Envision Credit Union

Black Friday might be over, but the promotions continue to extend throughout the weekend. For those who have yet to do their shopping, you might want to use your credit or debit card from Envision Credit Union. For those who already have the card, Envision Credit Union is offering 3x Scorecard Bonus Points!

The Promotion

Use your Debit card or Credit Card from Envision Credit Card this Black Friday weekend and earn 3x more points than usual. You can choose whatever you want to purchase. Whether it’s holiday gifts for your loved ones, airline tickets to your hometown, food, gas, or that ski trip you’ve always wanted to take, you can get three times as much points as you normally would.

There’s one thing you have to remember though, if you’re using your Envision Debit Card, make sure to sign instead of using your PIN.

Plus, Get the Chance to Win $500!

If having three times the fun in points when shopping this weekend, Envision Credit Union also offers their consumers the chance to win an extra $500 this holiday season. All you have to do is get a new Visa credit card or transfer your balance to a Success card, and you already stand a chance to win $500 which would be enough to cover your holiday expenses, and perhaps more. The drawing will be done twice, once at the end of November, and another at the end of December.

Envision Success Visa Credit Card Perks

Some of the perks include:

* A low 2% APR on balance transfers for the first 6 months
* 2% Introductory APR for the first 6 months
* 1% Cash back on purchases
* Low Variable APR of only 7.5%

Get Your Cash Back Checks this November!

And if you feel that money only spills out during the holiday season, think again because if you’ve been using Envision Success Visa Credit Card, then your cash back check is expected to arrive in your mail last November 15th.

Membership

Envision Credit Union is one of those credit unions that limits its membership to certain locations and organizations. In order to join, consumers may visit their branches located in Tallahassee and Quincy, Florida.


More Black Friday Deals from ING Direct

If you open a Kids Savings and MONEY Account for your kids, you don’t only save for future use but you also teach them where money should be kept and how it earns interest. ING Direct not only gives their Black Friday deals to adults, but also to kids. Here are some of the perks:

• No minimums
• No fees
• Great rate

This holiday season, you can give your kid an extra $27 in cash or get a $27 bonus if you open an account this November 25th – 27th. Take note that you can only avail of this once you open a new account with at least one new Customer, which will be either you or your kid to sign up.

The $27 bonus automatically adds up into your account the moment you become a member, and the bonus will be available for withdrawal after 30 days.

EXTRA Deals

• $100 bonus once you open a new ShareBuilder account on November 25 – 27 and by January 31 you completed two trades. This isn’t insured by the FDIC mainly because it is an investment account. To add, stock and ETF trades cost $9.95.
• Once you roll over your old 401(k) into a ShareBuilder IRA, get up to $100 bonus. Again, this is an investment account, thus, it isn’t insured by FDIC.

$32 bonus for Teens

Get your teens into the saving habit, open MONEY and get a $32 bonus.

• No minimum or fees
• Access to over 35,000 Free ATMs
• Manage online or get text updates

How MONEY works

• This November 25th – 27th, open MONEY and make 1 Card transaction (either signature, PIN-based or with PayPassTM) using the MONEY Card within 30 days, and the $32 bonus will automatically be added into your new account. Take note that the teen gets the Card.

• On day 35, the $32 bonus will be automatically deposited into your account.

What are you waiting for? Just because it isn’t Friday anymore, doesn’t mean that the deals have to end. Today is the last day to avail of these interesting deals, so head on to ING Direct’s website for more information.


Get up to $107 Bonus this Black Friday With ING Direct

ING Direct is now upgrading their bonuses for the Black Friday shoppers, the Electric Orange promo. However, this will only last until November 27, 2011, so better seize it while it’s here.

• If you open an Electric Orange Checking Account and make at least 5 purchases using your Electric Orange Card or Person2Person Payments, you can get $107 bonus within 45 days. However, this will just be available for new Electric Orange checking.
• Once you open a new MONEY account and make 1 Card transaction (either signature, PIN-based or with PayPass) using your MONEY Card you can get $32 bonus within 30 days.
• If your kid will open a Kid Savings Account, you can get $27 bonus. Yet, it’s important to note that you should be a new customer in order to avail of this promo.

Electric Orange Account Promotion

Now that great deals are offered, it’s just the right time to open an Electric Orange (EO) account, considering the fact that this year’s offer is much bigger than last year’s. Imagine getting twice the common $50 bonus? Now that’s something to look forward to.

To serve their clients better, ING Direct made necessary step-ups to their EO account.
• ING Direct now allows paper checks.
• To send payments easier, ING Direct also made improvements to its Person2Person payment service.
• ING Direct also provides a Personal Finance Access Code in order to make it easier to use services like Mint.com.

Despite all the improvements, consumers can look forward to yet another feature that will allow a more comfortable way to deposit. ING Direct calls it the Remote Deposit Capture. The expected release date of this upgrade is summer or fall of this year where you can easily deposit checks online from the comforts of your home.


Black Friday Specials from Service Credit Union

Getting ready for Black Friday? Not only are shops prepping themselves for the holiday sale, but it seems like banks and credit unions are following suit. Service Credit Union has something in store for you this Black Friday.

Here are some of the special deals from Service Credit Union or your Black Friday banking spree:

The Promotion

First of all, Service Credit Union is offering a checking account where you can earn $150 just by opening the account and making a direct deposit. Offer is only valid on November 25th, so you’ve got to do it today. Also, if you participate in the checking promotion, you may as well open a CD with them as well so you can rack up a total bonus of $175.

Checking Account Details

Service Credit Union refunds any ATM fees, surcharge fees from other financial institutions, plus Visa International Service Assessment (ISA) fees on your Service Credit Union credit and debit card. However, your ServicePlus Checking account should have a minimum balance of $1,500 or direct deposit to avoid a monthly fee of $9. Once you maintain a minimum of $1,500 you can avail refunds. What’s more, rebates are unlimited and automatic.

Competitive CD and IRA CD Rates

And the Black Friday deal doesn’t stop with checking. Service Credit Union also offers suitable rates both for long-term share and IRA certificates. Receive a 2.50% APY for 5-year CD, a 2.50% APY 4-year CD or a 1.80% APY 3-year CD. All these rates are higher than the national average.

Credit Union Membership

Although this membership requires $5 minimum balance in the share savings account and is limited for those who live in New Hampshire and in Falmouth MA area, the big deal is that anyone can apply for a membership of Service Credit Union.

To enjoy Black Friday deals, don’t forget to visit the branches in New Hampshire cities of Bedford, Epping, Lebanon, Manchester, Keene, Portsmouth, Newington, Salem, Somersworth, Rochester, and Massachusetts. And for those who are service military members in Germany, the Service Credit Union also has their branches in the metropolis.

About Service Credit Union

Service Credit Union has $1.88 billion in assets and $1.45 billion in deposits is federally insured by The National Credit Union Administration (NCUA).

Now rush out, and start kicking off the start of the holiday season while these deals are still around the corner! Enjoy!


Get $250 Bonus with Chase Sapphire Card

Most of us, if not all, love to travel. Now that the holidays are just around the corner, we all want to be with the one we love, be it our families, or our special someone. As they say, we love to travel, and now, we travel for love. The joy of traveling also comes with the joy of rewards. Chase Sapphire Card doubles up that joy by offering these incentives:

Chase Sapphire Card Incentives

This credit card has No Annual Fee. This means that you don’t have to shell out any fees to avail of the many privileges this card has to offer.

Not just that, in 3 months you can also receive $250 as a reward after spending an initial $3,000. If you get to spend $3,000 within 3 months you can gain 25,000 points or $250 for free! And, you will be the one to choose whether you redeem your points for travel, merchandise, cash back, gift cards, and more!

For every $1 spent, receive 1 point, 2 points, and even up to 10 points. The money you spent for dining out, hotel reservations, and booking air tickets through Ultimate Rewards will be gained back for you since you will receive 2 points for every dollar you spend. Using the Ultimate Rewards mall for shopping, you can earn 10 points when you do online shopping for over 300 of your favorite stores online. Furthermore, to the rest of your purchases using this credit card, for every dollar, you will receive 1 point.

You will not have to worry about the number of points you gain since they never expire. There are no limits for the accumulation of points but instead, you can keep those earnings for future use, thus, you don’t have to use them right away.

You can redeem your points for pure cash, airline tickets, hotel accommodation, car rentals, cruise certificates, and gift cards. But that doesn’t end there because there are lots of redeemable products in store for you. For cold hard cash, the rewards checks should start at 2,000 points for $20.

Comfort is also the number one priority for the Sapphire Credit for there are no blackout dates or travel restrictions. For instance, you can use your points on any major airline, and you can choose any class. Through Travel Booking Tool online, you can accumulate double points and get the same low price in the market.

If you have any complaints, questions, suggestions their customer service is available 24/7. Just dial the number on the back of your card.

These are just some of the reasons why Sapphire Card can be your best buddy when traveling, and more.

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