Top 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

Target RedCard – DDay Tonight!!! – Will Gift Cards work and my Experiment

We all knew this was coming sooner than later –  As per  a memo released by Target and also reported on several blogs TODAY 5/5 is the last day to load Redcard using Credit card. This may impact several people who relied heavily on redcard for manufactured spending and earn miles and points.

upset

We also know that American express gift cards can be loaded on to Redcard which helps you not only generate free miles and points but also make a profit. Read more on the article hereI did a small experiment today from the $5000 gift cards I purchased from American Express via TopCashbackAt the cash register when loading $500 the cashier asked me if I am using a credit card or a debit card, I told her I am using a credit card; gave her the last four digits of the gift card number and as usual the load was successful. For the next $500 load I told the cashier that I am using a debit card (of course the same American Express gift card) gave her the last four digits of the gift card and bam! The load was successful. I a crossing my fingers that gift cards will work fine as at least today they are being accepted as both credit and debit card and as per the memo only credit cards will not be accepted but debit cards should work fine.

Categories: American Express Gift cards, Gift Cards, Prepaid Cards, Redcard, Top Cashback | Tags: , , | 1 Comment

HOT!!! – 2.5% Cashback on American Express Gift Cards, Citi Prestige and Citi Premier Increased sign up bonus with perks

1. American Express gift cards – Just today Topcashback is offering 2.25% cash back on Amex Business Gift cards. Its great way to make some quick bucks and also earn extra miles and points. I personally used the Chase INK Card to purchase $5000 in gift cards in denomination of $1000 (x5) as Chase offered me  a retention bonus of 10,000 UR points after spending $5000 in three months to offset my $95 annual fees. But you can maximize your earning by using the Barclays Arrival World Elite MasterCard.

Do not use any denominations over $2000 and any promo code as this will not earn any cash back and also avoid using Citi Cards as it could get processed as cash advance. These gift cards can be reloaded onto the Target Prepaidredcard at any Target stores and then you can turn around and payback your credit card or pay other bills.

Amex cash back

The Math on purchasing $5000 in gift cards – 

Gift Cards Value – $5000

Purchase fees – $3.95 x 5 = $19.75

Shipping Fees – $8.95

Total Out of Pocket – $5028.7

You will earn 2.25% cashback on $5000 = 112.50

Your net Profit – Cashback – Purchase Fees – Shipping Fees = $83.8

Not bad for 5-10 minutes of my time!!! We are not done yet –

Now if you use the Barclays Arrival World Elite MasterCard you’d earn 2 Arrival miles on a dollar spent so $5000 on gift cards will help you earn 10,000 Arrival miles which equates to $100 in Travel Credit. So now your net earning will be $83.8 + $100 = $183.8. You’re welcome!!

If you don’t have a Topcashback account you can use my referral link to sign-up we both get $10 back after you spend $20 or more.

2. Citi Increased sign up bonus on Prestige and Premier Card can earn you several thousands in Travel Rewards

In the last two weeks, the Citi Prestige and Citi ThankYou Premier have each increased their sign up bonuses to 50,000 ThankYou Points after spending $3,000 in the first three months. One person can apply for both cards and get 100,000 total Thank You points which is to book up to $1350 worth of airfare through the Citi Travel Center.as long as you apply for the two cards at least eight days apart

Questions this article will answer:

  • What are the differences between the Prestige and Premier?
  • Why would you want both?
  • How can you get both?

What are the differences between the Prestige and Premier?

The Prestige is a premium credit card that competes with cards like the American Express Platinum. The Premier is more of a standard rewards card that competes with cards like the Chase Sapphire Preferred.

Sign Up Bonus

Both currently offer 50,000 ThankYou Points after spending $3,000 in the first three months.

Annual Fee

There’s a huge difference here. The Prestige has a $450 annual fee that is not waived. The Premier has no annual fee the first 12 months, then $95 a year.

Category Bonuses

The Prestige offers 3x on airlines and hotels and 2x on dining and entertainment. The Premier‘s category bonuses are slightly better. It offers 3x on travel and gas. That includes airlines and hotels, but also a lot more. It also offers 2x on dining and entertainment.

Ease of Travel

Both cards have chip technology for global acceptance and no foreign transaction fees.

Value of ThankYou Points

Both cards offer the ability to transfer ThankYou Points to 12 airline and hotel programs. This is the highest value redemption method.

Both also offer the chance to redeem points like cash toward any flight with no blackouts, but the Prestige offers higher value when points are used this way. The Premier‘s points are worth 1.25 cents each toward all flights. The Prestige‘s are worth 1.6 cents toward American Airlines or US Airways flights and 1.33 cents toward all other flights.

If you have both the Premier and Prestige, you can combine the points into one account, which allows for redemptions at the better Prestige rates.

You can earn serious travel rewards using benefits from the two cards

And the travel category now includes a wider range of purchases such as:

  • Airfare
  • Cruises
  • Car Rental Agencies
  • Gas Stations
  • Hotels
  • Parking Garages
  • Public Transportation
  • Taxis
  • Tolls

Other Benefits

This is where the Prestige kills the Premier, and why the Prestige‘s $450 annual fee is more than justified in my opinion. The Prestige offers:

  • $250 per CALENDAR YEAR (so $500 before your second annual fee is due) in airfare or airline fee statement credits. Tickets, award taxes, upgrades, and bag fees all qualify. This more than offsets the first annual fee.
  • $100 statement credit for signing up for Global Entry, which also gives access to TSA Precheck.
  • Lounge access to all Admirals Clubs when flying American Airlines or US Airways. Lounge access to all Priority Pass Select lounges always. For either type of lounge, you can bring in all your under-18 children plus spouse or any two guests.
  • Fourth night free on all hotel reservations booked through Prestige’s travel agency.
  • Three free rounds of golf per year at participating courses.

Why Would You Want Both?

Each has strengths beyond its giant 50,000 point sign up bonus.

The Premier has better category bonuses because all the following are included at 3x: airlines, hotels, gas, car rentals, travel agencies, buses, trains, parking, tolls, bridges, and time shares. The Prestige only offers 3x on airlines and hotels. The Premier also has a lower annual fee, and one that is waived for the first year.

The Prestige has far better benefits like the statement credits, airport lounge access, and higher value of points when redeemed like cash for flights. Plus getting the Prestige can retroactively lift the value of ThankYou Points earned on other cards because those points can now be put into your Prestige account, which has higher value redemption options.

If you have one, you might want the other for its strengths. If you have neither, you might want both to maximize the strengths of both.

You can transfer Thank You Points to partner Airlines and easily get to Europe.

How Can You Get Both?

According to the combined experience of FlyerTalkers, you can be approved for no more than one Citi credit card application in 8 days and no more than two applications in 65 days.

So if you got one of the cards months ago and want the other now, apply.

If you have neither, apply for one now and one in 8+ days. (Unless you recently got a different Citi card like the Citi Hilton card with 60,000 HHonors points. In that case, make sure that at least 65 days have elapsed from your previous application to your second application.)

To avoid all confusion:

OK

Got Prestige 8+ days ago, have no other Citi cards, get Premier today

Have neither card or any other Citi card, get Prestige today and Premier in 8+ days

Got Citi Hilton card 14 days ago. Get Prestige today and Premier in 51+ days. (65 day rule noted above)

Not OK

Get Premier and Prestige on same day

Got Citi Hilton card 14 days ago. Get Prestige today and Premier in 8 days

You may not be instantly approved on your applications. When that happens, your screen should have a number to call Citi for an instant decision. I always call in to speed things up. I doubt you’ll be asked why you want both the Prestige and Premier, but if you are, mention the strengths of the one you don’t have yet.

Make sure you apply for the two cards at least eight days apart

Bottom Line

You can get both the Prestige and Premier and long as you apply at least at least 8 days apart, and potentially further apart if you have another recent Citi application. Getting both cards and meeting their minimum spending requirements would earn at least 106,000 ThankYou Points, and probably more if you maximize the category bonuses. If you redeem  through the Citi Travel Center $1350 worth of airfare. You can apply for both these cards at creditcards.com under Travel and Rewards. This is my affiliate link for creditcards.com and I am  thankful if you ever plan to use it.

My son Zane having a blast on streets of Dubai.

We enjoyed Aquarium in Dubai early this month.

Categories: American Express Gift cards, cheap travel, Citi Credit Cards, Citi Premier, Citi Prestige, Gift Cards, Thank You Points, Top Cashback | Tags: , , , | 3 Comments

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