Cashback

How to easily earn miles and points shopping online

Online shopping is here to stay

Americans love to spend. But do you know how much is spent every second, minute and by the hour? Checkout this website retale that shows you retail in real time. Below is a snapshot from my time on the website and I am totally AMAZEDD!!!! In 59 seconds more than half a million is spent on retail online (can it all go through my frequent flyer account for just the next hour) retale snap There are many more interesting figures and facts (4366 Donuts sold just via Dunkin) that you can explore by visiting the Retale website here. Today online shopping is getting more and more popular and to catch up with the demand companies like Amazon have introduced Amazon Prime Air were goods will be delivered to you in less than 30 minutes using drones. So you are thinking what has that to do with me? In the last year simply by shopping online I generated more than 30,000 miles (enough for a roundtrip ticket) and points just by changing the way I shop. That does not include several hundred dollars I made in cash back bonuses by doing that I was already doing . i.e. shop online!! in my perspective  earning miles and points shopping online is missing easy opportunities and  leaving lot of easy miles and points on the table. missed_opportunities

How to start earning miles shopping online?

You should first know every credit card in your wallet and benefits that come with it such as Discover and Chase Freedom credit card are popular for cash back and have rotating categories every quarter. You would see the following three categories on most portals

  • Cash Back Rewards
  • College Saving Plan & Other Savings Rewards
  • Frequent Flyer Miles & Hotel Rewards

Usually you can earn more Frequent Flyer Miles or Hotel Points than Cash Back, but keep a look-out for cases where the Cash Back is much more than the Frequent Flyer Miles or Hotel Points such as of interest is the latest offer from Discover IT credit card where they would double your cash back at the end of each year. Here  are a few website that you can use to check which  portal will offer you most points for the same purchase –

1. EVREWARDS – This is probably my go to site for most purchases to compare rewards but the information is not always updated. For example, I put Dell in the search Engine and the results are show below ev rewards So Discover shopping portal may be your best option as it offers you 5% cashback. For those who do not have a Discover credit card but have one of the Chase cards such as Freedom, Ink Business or Sapphire prefered can use the Ultimate rewards portal and earn 3 points a dollar which is not a bad deal. Ultimate rewards points are great and extremely valuable as you can easily transfer them to more than a dozen airline and hotel partners.

2. CashReporter is another website that compares cashback you can earn from different websites shopping online. It does not show information for airline and hotel partners. For example I like shopping at Groupon but wouldn’t that be cool you could earn cashback on every Groupon purchase you did – how does 10% cash back sound? cashreporter cashback Topcashback is the best of the lot when it comes to cashback from Groupon. If you do not have a Topcashback account you may use my affiliate link to join here

3. Webflyer will let you compare primarily  air miles you  earn via shopping online. This may be the best portal for folks who just care for earning air miles and are not into cashback. I searched for Lowe’s in this portal webflyer portalAmerican Airlines AAdvantage shopping portal beats the rest as it has 3 miles per $ spent. So if you purchased a $250 lawn mower from Lowe’s shopping online you could earn 750 AAdvantage miles on top of what the credit card already offers. Isn’t that easy?

4. Cashback Monitor will let you compare 42 reward sites to maximize your earnings. Lets search for Macy’s using this portal cashback monitor This website makes it really easy to categorize as the best offers shows up on top whether being cashback bonus or air miles. You will earn 10% cashback shopping via Discover and 10 miles per $ shopping through Alaska Airline Shopping portal. A purchase of $100 from Macy’s will earn you 1000 Alaska Airline miles or $10 cashback from Discover – choice is yours!!!

Bottomline

As you can see earning miles, points and cashback is very easy using online portals. To maximize your earning you should compare cashback, miles and points from each portal to maximize your returns.

Categories: airmiles, Cashback, portals, Top Cashback | Tags: , , | 1 Comment

Easiest $600 I ever made and why everyone with a EXCELLENT credit should get this credit card

In my recent post I discussed my latest round of credit card applicationIt was my first ever credit card application with Capital one (would you believe it?) and I was instantaneously approved for their Capital one Spark Cash Business Credit card with a $15,000 limit that I believe is an absolute gem of a card to earn cash back. The current offer on this card is $500 cash back after you finish spending $4500 in three months. Here are some benefits of this card

  • Earn 2% cash back on every purchase, every day
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
  • Cash rewards don’t expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • No foreign transaction fees
  • Earn unlimited cash rewards that don’t expire

raining-moneyAs soon as I received my card in the mail I headed to Simon mall to purchase necessary gift cards and finish the minimum spending requirement and Hallelujah my bonus of $592.92 posted within 48 hours which is cool as I do not have to wait for my statement to close to receive the cash back bonus. The extra $92.92 on top of the $500 is from the 2% cash back on purchases I’ve made so far on this card. There is no limit to the cash back you can earn using this card.

The redemption process is also nice. Below is a snapshot of what it looks like –

cap one bonus

The big bonus from Capital one

cap one redepmtion

The redemption option are plentiful from gift cards to statement credit and more

cap gift card redempt

A lot of gift cards to choose from if that is your preferred choice.

I will be requesting a statement credit for the bonus I have earned so far (no particular reason) just to keep it simple and I have no need for gift cards.

I highly recommend if you have a business or even if you are planning to start a business you could easily qualify for this card (pending EXCELLENT CREDIT i.e typically credit score of 720 or higher). You also do not need an Employee Identification number (EIN) while applying (although it’s better if you have one) and can enter SSN instead of EIN while completing the application. I know some readers got approved for this card by using their SSN. But applying for EIN is free and can be done at the IRS website here. – LINK.

good-credit-score-road-sign

Establishing a good credit score is the key to earn travel and cash rewards

If you have a score below 720 I do not recommend applying for this card but always use your best judgement. Here are some other credit cards that are offering bonus cash back

  •  Capital One® Quicksilver® Cash Rewards Credit Card – $100 cash back after you spend $500 in three months
  • BankAmericard Cash Rewards™ Credit Card – $100 cash back after you spend $500 in three months
  • MLB® BankAmericard Cash Rewards™ MasterCard® Credit Card – $100 cash back after you spend $500 in three months
  • Upromise World MasterCard® – $50 cash back after you spend $500 in three month. Also, earn up to 10% cash back on eligible purchases at participating online shopping and travel partners through Upromise.com
  • Blue Cash Preferred® Card from American Express – $150 cash back after you spend $1000 in three monhs. Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases
  • Blue Cash Everyday® Card from American Express – $150 cash back after you spend $1000 in three months
  • U.S. Bank Cash+™ Visa Signature® Card  – $100 cash back after you spend $500 in three months.

    Also, 5% cash back on your first $2,000 in combined net purchases each quarter on two categories you choose,2% cash back on your choice of one everyday category (like gas or groceries) and 1% cash back on everything else

  • NFL Extra Points Credit Card  – Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit
  • Citi ThankYou® Preferred Card – Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening – redeemable for $200 in gift cards or other great rewards
  • Chase Freedom® – Earn a $100 Bonus after you spend $500 on purchases in your first 3 months
  • Ink Cash® Business Credit Card – Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months
  • Citi ThankYou® Premier Card details – Earn 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening – redeemable for $500 in gift cards, $625 for airfare
  • Capital One® Spark® Cash Select for Business – $200 cash bonus once you spend $3,000 on purchases within the first 3 months
  • Capital One® Spark® Miles for Business details – 50,000 miles once you spend $4,500 on purchases within the first 3 months. Redeem miles for travel, cash back, gift cards, and more
  • Capital One® Spark® Cash for Business details – 500 cash bonus once you spend $4,500 on purchases within the first 3 months (The one I applied for). Earn 2% cash back on every purchase, every day
  • cashback1
Categories: Capital one, Cashback, Credit cards | Tags: , | 1 Comment

Free $10 on $10 for Amazon Prime members with new Subscribe and Save , $200 cash back on Chase Freedom Card

1. $10 on $10 at Amazon

If you are an Amazon Prime member and have never used the subscribe and save service than you are eligible to receive $10 off your first order of $10 or more. Follow the steps and enroll as the offer ends July 4th 2015 11:59 PST. I have saved hundreds of dollars using coupons available on Amazon and combined them with subscribe and save to enjoy additional 15% each month I have five or more subscriptions. Plus I really hate buying bulk items like toilet paper etc from stores and carry them home, Free Shipping with Amazon is just superb!!!

1. Choose any Subscribe & Save product.

2. On the product page, add the item to your cart by clicking ‘Review Subscription’.

3. Enter promo code TRYSNS10 in the “Gift Cards & Promotional Codes” box. You will then see “Prime Savings” in your Order Summary.

amazon prime

See terms and conditions below. Exclusive to paid Prime members.

Terms and Conditions Offer ends at 11:59p.m. Pacific time on July 4, 2015.

  • Use promo code TRYSNS10 at checkout for a $10 promotional credit off any qualifying product. This is a limited time offer.
  • Offer only applies to products sold and shipped by Amazon.com. Offer does not apply to digital content. Offer applies to Subscribe & Save orders of qualifying items only. Offer good while supplies last.
  • The maximum benefit you may receive from this offer is $10. This offer is available to customers with no previous Subscribe & Save order history.
  • This offer is available to paid Prime members only. Items must be purchased in a single order and shipped at the same speed to a single address. Amazon reserves the right to modify or cancel the offer at any time. Offer is non-transferable and may not be resold.
  • If any of the products related to this offer are returned, your refund will equal the amount you paid for the product, subject to applicable refund policies. If you violate any of these terms, the offer will be invalid.
  • Promotional codes (including those placed directly in accounts) may not be redeemed for Amazon Gift Cards.

2. $200 cash back (points) on Chase Freedom Card

 

Chase is bank with an increased sign-up bonus on of the more popular Freedom Card and is the highest you will ever see on this card (normally $100)

cashback1

For a limited time, Chase has increased the sign-up bonus on the no annual fee Chase Freedom®. The sign-up bonus is marketed as follows:

  • For a limited time, earn a $200 Bonus after you spend $500 on purchases in your first three months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same three month period

What makes Chase Freedom great is the cash back in rotating categories every quarter. Below is a snapshot for cashback for 2015.

2015-bonus-calendar chase

The Chase Freedom offers 5% cash back (five points) per dollar spent on rotating quarterly categories, which can translate into a huge return. When you register your card each quarter you then earn 5x points for the first $1,500 spent in those category. This quarter you can maximize your returns by using cards at restaurants.

This card has no-annual fees so its a great way to keep a card and not worry about canceling and also establish good credit. If you have been thinking to apply for the Chase Freedom card than now is the time.

 

Categories: Amazon, Amazon Prime, Cashback, Chase, Chase Freedom | Tags: , , , | Leave a comment

$1500 + Cashback by signing up for two credit cards, $20 Amazon gift card using Western Union

 

1.  $1500 cashback by signing up for two Business Credit cards

The Plum Card® from American Express OPEN is offering 1.5% discount on the portion of your eligible purchases that you pay within 10 days of your statement closing date, as long as you pay the minimum payment due. Plus, get an additional $200 statement credit for every $10,000 you spend on the Card, up to $600 back. That can be an extra 2%. So the bottomline is , after spending $30,000 in three months which may be ridiculous for a lot of folks you would earn approximately $1050 back in statement credits. If you need ideas on how to spend $30,000 in three months shoot me an email and dI will share with you some tips and tricks to get minimum spending done. There is no annual fees for the first year and the annual fees for second year is $250.

plum_banner

Also, the Capital One is offering $500 cash back on its Capital One Spark Cash for Business after you spend $4500 in three months. This should be an easy-peasy for most folks. The typical sign-up bonus on this card is $200 so it is a good time to sign-up and take advantage of this offer. This card also has 2% cash back everyday on all purchases with no unlimited cashback. There is no  annual fees the first year  and second year fees is $59. Also, there is no foreign transaction fees.

Spark

How to Qualify for Business Credit cards?

Some of the business cards banks issue requires you to have an EIN (Employee Identification number).

You may easily qualify for business even if you are selling things on ebay, Amazon etc or are just starting of a new business . You may speak with a qualified CPA to discuss further.

Apply for an EIN by following these steps and it’s totally free

  1. Go to the IRS EIN page and scroll down to the bottom and click the link that says “APPLY ONLINE NOW.” You will find the EIN number application.
  2. Click the “Begin Application” button to apply for EIN number
  3. Answer about 10-15 quick questions
  4. That’s it! You just got a free EIN number.

After you submit your application you will get a PDF document with your EIN and save it where you can retrieve it easily. You would have to call IRS and retrieve the EIN if you ever misplace it. You can also apply for EIN over the phone at (800) 829-4933 from 7:00 am to 10:00 pm.

2.  $20 Amazon Gift Card by signing up for Western Union and sending $50.

If you sign up for Western Union via my referral link and send or transfer $50 to anyone then WU will credit you with a $20 Amazon gift card within 2-4 weeks. Once you sign-up you are also able to refer others and earn $20 per referral up to $100. You would pay a $5 fee by sending money using your bank account so you would earn a net profit of $15 after receiving you Amazon gift card values at $15. You can easily send money to friends and family and take advantage of this offer. Remember, this offer is only good for new accounts.

Categories: Amazon, American Express, Capital one, Cashback, Credit cards, Western Union | Tags: , , , , | Leave a comment

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