Credit Card Directory

Update: For a limited time the sign up bonus on this card is increased to 50,000 miles.

The Barclaycard Arrival Plus card recently changed their bonus structure, so it’s time to revisit the details.

The sign up bonus is for 40,000 miles, which you can redeem for a $400 statement credit. You’ll get an extra bonus on the travel redemption, so it’s really a $420+ offer!

It’s our Free Money offer this week.

How to Get Your Sign Up Bonus

  1. Apply for the Barclaycard Arrival Plus* card.
  2. Earn 40,000 miles after you spend $3,000 in 90 days.
  3. Redeem your 40,000 points for a $400 travel credit.

*Find and compare all current credit card offers in our credit card directory.

Terms and Conditions

  • $89 annual fee, waived for the first year.
  • This offer is available to new cardmembers only.
  • A travel redemption is defined as: airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, trains, buses, taxis, limousines, and ferries as defined by the merchant category code.

More on Barclaycard

Earning Miles. The Barclaycard Arrival Plus will earn 2x miles per dollar on all purchases.

Redeeming Miles. To redeem your miles, log into your account and select “Pay yourself back for travel” to receive the full value of the offer. Here are step by step directions on How to Redeem Your Barclaycard Miles for Travel. If you do not redeem for travel, cash back statement credit redemptions start at 5,000 miles for $25.

5% Bonus. The bonus was recently updated; it’s now a 5% bonus on redemptions. The math on the bonus is very bizarre, but if you redeem for travel, you’ll get a 5% bonus. It’s really a way to increase your cash back with the card. For example, if you make a $400 travel purchase, you can redeem a $400 travel statement credit by redeeming your 40,000 miles and you’ll earn an additional 2000 miles to redeem later (worth another $20). You purchases will then stretch to your overall earnings to 2.1%. If you consider that you could earn another 5% bonus when you redeem the 2000 miles later, the cycle will continue to repeat and your earnings will grow. To see a breakdown of the math, see the Best Way to Maximize Barclaycard Arrival Points.

Intro Rate. 0% Introductory APR for 12 months for each Balance Transfer made within 45 days of account opening.






2nd quarter cash back is here! Another three months has flown by and it’s time for 2nd quarter cash back.

Organize, activate and put your credit cards into a regular rotation.

Reevaluate Quarterly Cash Rewards

It’s our quarterly check-in to reevaluate the cards we are carrying to take advantage of the best 2nd quarter 2017 cash rewards credit card bonuses. Every quarter we reevaluate the cash back cards to make sure we get the highest cash back on each purchase including the credit cards that offer cash back on a rotating quarterly schedule.

As you switch out your cards, don’t forget to follow up on all your rewards and make sure you are earning the right cash back and maximizing all of your purchases.

We do the same swap every quarter, so you know exactly how it works: take out the old 1st Quarter 5% Rotating Cash Rewards Credit Cards and maximize your cash rewards for 2nd quarter 2017 to make sure you have the right cards, you are signed up for the 5% promotions and you know where to use them.

2nd Quarter 2017 5% Cash Rewards Credit Cards

Discover it. The Discover 5% cash back for 2nd quarter 2017 includes home improvement stores.

Don’t forget to look up the end date for your double cash back if you are a new cardholder or signed up last year! During the double your 5% cash back becomes 10% cash back. Here’s more information on the Discover it 10% Double Cashback.

The 2nd quarter 2017 Discover it 5% categories are:

  • Home Improvement Stores
  • Wholesale Clubs

Discover 5% cash back is on up to $1,500 in purchases. Here’s the place to activate your 2nd quarter Discover rewards. See the entire Discover Rewards Calendar for 2017.

Chase Freedom. The Chase Freedom card will move on from gas stations. Before the quarter ends you might want to stock up on some gas station gift cards. The 2nd quarter 2017 Chase Freedom 5% categories are:

  • Grocery Stores
  • Drug Stores

Chase Freedom 5% cash back is on up to $1,500 in purchases. Here’s the place to activate your 2nd quarter Chase Freedom rewards. See the entire Chase Freedom Rewards Calendar. Also see the Best Way to Maximize Chase Ultimate Rewards Points.

Citi Dividend. Citi 5% cash back this quarter also covers drug stores. The 2nd quarter 2017 Citi Dividend 5% categories are:

  • Drug Stores
  • Fitness Clubs

Citi 5% cash back is on up to $300 cash back per calendar year ($6,000 in purchases). Here’s the place to activate your 2nd quarter Citi Dividend rewards. See the entire 2017 Citi Dividend Rewards Calendar.

US Bank Cash +. Don’t forget you need to pick your 5% categories each quarter for the US Bank Cash + card. Here are some of the 5% cash back choices:

  • Gym & Fitness Centers
  • Cell Phone
  • Various Stores (Bookstores, Clothing, Department, Sporting Goods, Electronics, Furniture and More)

You need to select your categories five days before the end of the current quarter. US Bank 5% cash back is earned on your first $2,000 in combined net purchases (purchases minus returns or credits) in your chosen 5% categories. Here’s the place to activate your 2nd quarter Cash Plus rewards.

No Sign Up Needed

And as always, here are the easier cash back categories, since you don’t need to sign up:

 
Category Card Cash Back
Grocery Stores* Blue Cash Preferred Card from American Express
American Express Old Blue Cash Card
6% cash back (up to $6,000 per year)
5%
Gas American Express Old Blue Cash Card
New Costco Anywhere Card
Amex Business Gold Rewards
5%
4%
3%
Restaurants Citi Thank You Premier Card
Citi Prestige
2 points per $1
2 points per $1
Target Target credit card 5% discount
Amazon Amazon Visa 5% cash back
Wireless SimplyCash Business Card from American Express 5% cash back
Office Supplies SimplyCash Business Card from American Express 5% cash back
Internet and Cable Chase Ink Plus 5x rewards points
Costco Fidelity Credit Card
New Costco Anywhere Visa
BankAmericard Cash Rewards
Capital One Venture
2% cash back
2% cash back
2% cash back
2% cash back
Travel Citi Prestige
Barclaycard Arrival
Chase Sapphire Reserve
Various
Charitable Donations US Bank FlexPerks Card 3x points
Choose Your Own Categories SimplyCash American Express 3%
Everything Else New USAA Limitless Cash Back Card
Fidelity Credit Card
Citi Double Cash
Barclaycard Arrival
2.5%
2%
2%
2.1%

*I left the categories on the grid for those currently in rotation. Readers requested that I leave them on as a backup for which card to use once they’ve exhausted their rotating rewards.

How to Get Your 5% Cash Back

Here’s my checklist for rotating cash back programs:

  1. Sign up for all of the new quarterly cash back programs, even if you don’t know if you’ll use that card. To sign up, just log in to your account online and select the 2nd quarter 2017 5% cash back information. In order to earn the 5%, you have to enroll in each program quarterly.
  2. Write which categories to use each card for using a marker on the front of the card. It works really well to keep the cards straight!
  3. To keep the list of cards straight, I also began printing out a quick cheat sheet to slip in each of our wallets.

Sign Up Bonuses

All of the links for current sign up bonuses are now listed in our credit card directory.

Are you using different cards for any of these categories?





Fidelity is switching their Fidelity Investment credit card from American Express to Elan. The Fidelity Investment Rewards Card earns 2% cash back on all purchases.

I rotate our credit cards quarterly to earn the highest reward on all of our purchases, but I do have a favorite everyday spending card.

I’ve used our Fidelity card exclusively for everyday spending as the best cash rewards credit card for years (ever since the old Schwab card disappeared seven years ago).

As I mentioned in the Best Credit Cards to Maximize Cash Back at Costco the new card will also be a Visa card so you can still use it at Costco.

Fidelity Rewards Visa Signature Card

New Visa cards will be sent to current Fidelity American Express cardholders between mid-June and mid-July; we received our new cards earlier this week.

If you do not have a Fidelity card you can open one at: Fidelity Investment Rewards Card.

Eligible Fidelity Accounts

You can choose to link your cash back credit card to a variety of Fidelity accounts, including the following:

  • Most non-retirement accounts
  • Traditional and Rollover IRAs
  • Roth IRAs
  • SEP IRAs
  • Fidelity–managed 529 Plans

Terms and Conditions

  • No annual fee.
  • Earn 2 points per dollar, up to 150,000 points per year.
  • Account must be open and in good standing to earn and redeem rewards and benefits.

More on Fidelity

IRS Rules. Be aware that if you select a retirement or college savings account, the cash back will count against your yearly contribution limits, so you’ll have to keep careful track.

Earning Points. The 2% cashback is tracked in points. You earn 2 points for each $1 you spend. The redemption value is different if you do not deposit your points into a Fidelity account.

Redeeming Points. You can automatically redeem your cashback as a $50 deposit into your Fidelity account after you reach 5,000 points.

Link Your Account. You need to link your card to your Fidelity account online. Once you link your account redemptions will happen automatically.





American Express is offering a sign up bonus on the American Express® Premier Rewards Gold Card for 25,000 points and it’s this week’s Featured Deal! The 25,000 points are worth up to $250 in gift cards.

The Premier card was one that I had long forgotten about, but resurfaced when I made my list earlier this week of target American Express bonus offers.

How to Get Your $250 Sign Up Bonus

  1. Sign up for the American Express® Premier Rewards Gold Card.
  2. Spend $2,000 within 3 months.
  3. Receive 25,000 Membership Rewards bonus points.
  4. Redeem points for up to $250 worth of gift cards.

American Express Terms and Conditions

  • No annual fee for the first year, then $175/year.
  • Points will be credited to your Membership Rewards account 6-8 weeks after you meet the spend requirement.
  • Limit one offer per card account.

More on American Express® Premier Rewards Gold Card

Earning Points. You will earn 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases.

Additional Points. As an added bonus, you can get 15,000 points after you spend $30,000 in purchases on the card in one year.

Redeeming Points. You can transfer points to over 20 frequent traveler programs or use points for gift cards at popular stores.

Sign Up for American Express




Citi is offering two free weekend nights at a Hilton property with the Citi Hilton HHonors Reserve Card. It’s a Hilton card but it actually benefits frequent fliers and car renters too.

It’s one of the cards highlighted in the recent $1,720 + 267k Point Credit Card Application Spree.

The Citi offer is our Featured Deal this week!

How to Get Your Two Free Weekend Nights

  1. Open a Citi Hilton HHonors card.
  2. Spend $2500 within the first four months.
  3. Earn two weekend night certificates, each good for one weekend night! This could easily be a $500 value!

Citi Terms and Conditions

  • $95 annual fee. Not waived.
  • Weekend night certificate is valid for one (1) weekend night standard accommodation, double occupancy, subject to availability, at properties in the Hilton HHonors portfolio, excluding those listed at HHonors.com/weekendcertificate.
  • Certificates are valid 12 months after date of issue.

More on Hilton HHonors Visa

Earning Points. Earn 10 points per $1 spent at Hilton hotels, 5 points per $1 spent on airline and car rental purchases and 3 points per $1 spent anywhere else.

Renewal Certificate. If you spend $10,000 on the card, you’ll earn another weekend certificate on your anniversary.

HHonors Status. Enjoy complimentary HHonors Gold status as long as you are a cardmember.

No Foreign Transaction Fees. If you are planning a trip abroad, this is a must-have on any credit card you’re bringing with you. It will save you tons.

Sign Up for Citi




Perhaps you’ve read through Madison’s articles on her Credit Card Application Sprees or Extreme Credit Carding and thought “wow – that sounds great but I could never pull that off”. I’m here to tell you that you can and you can make it easy too.

There are some people who are so bad with credit cards that they should never try this but if you’re organized enough to pay your bills on time and you don’t carry a balance then I believe you can do it. Here are some things to keep in mind if you’re considering a Beginner Credit Card Application Spree.

CreditCardMoney

Photo Credit: 401(k) 2013

Start with Just One

Starting with just one credit card gives you much less to manage. There are many different offers out there with spending requirements both big and small. It doesn’t really matter which you choose (since this is really just practice to get used to doing it). Pick something that feels easy for you. For example, the Citi Dividend card currently offers a $100 bonus after $500 in purchases. In addition, the Citi card earns 5% Cash Rewards on holiday shopping at department stores, toy stores, and Best Buy this quarter.

Decide How You Will Meet Spending Requirements

How will you reach your spending requirements? Do you plan on using the card for gas purchases only? Will you make your regular grocery purchases or will you hit the spending requirement with one big purchase? There is no wrong way here. The idea is to have a plan and stick to it.

Keep Track of Your Spending and Time

Now here’s the most important part of the process. You need to track your spending against the target you need to hit and keep track of the time it’s taking you to do it. This can be as simple as piece of paper you write on or as complicated as a spreadsheet.

Here I actually recommend the more complicated system. The reason is that this is just one card and it’s pretty easy to keep track of. If you want to be able to track multiple cards it’s good to come up with a system that works for that too. So while you’re practicing with one card you can see how it works for you and make any changes before you’re juggling a bunch of cards.

Cash in Your Rewards

Once you’ve hit your spending target cash in your rewards. You’ll probably have to wait until your statement closes for the bonus points to hit your account. Once they do follow the credit card’s process to cash out your points (for statement credit, gifts cards, etc.). If you have any problems with this step call the 800 number for assistance.

I once had trouble at this step because the credit card’s system wouldn’t let me redeem more than 3 gift cards. I made a quick call to customer service and a very helpful person was able to override this and get me what I wanted.

Cancel the Card (If You Want To)

Now you don’t have to cancel the card but I like to do so because it frees me up to take advantage of the sign up bonus again in the future. You might decide to keep it in addition to (or instead of) another card you have. Just keep track of what accounts you have open. Again this isn’t hard for one credit card but you want a system for when you have many. If you don’t want to cancel the card, you can also convert credit cards instead of paying annual fees.

Repeat

So now that you’ve done one card you’re ready to move onto multiple offers. Or you might decide that one at a time is right for you. Whatever you decide – congratulations. You’re on your way to earning free money for relatively little work.

More on Credit Card Application Sprees





I had another pleasant surprise in my $1,800+ Fall Credit Card Application Spree last week, US Bank has increased the sign up bonus on their FlexPerks Travel Rewards Visa Signature card to 20,000 points.

It’s our Free Money Friday offer this week.

How to Get Your Sign Up Bonus

  1. Sign up for the US Bank FlexPerks Travel Rewards Visa.
  2. Spend $3,500 within four months from account opening.
  3. Get 20,000 bonus FlexPoints.

US Bank Terms and Conditions

  • Annual Fee: $49 (waived for the first year)
  • FlexPoints will post to your FlexPerks account in 6-8 weeks.
  • Existing & previous FlexPerks Travel Rewards & Select Rewards accounts don’t qualify for bonus for a similar account type.
  • Applicants for the FlexPerks Travel Rewards Visa Signature Card who only qualify for a FlexPerks Select Rewards Visa Card earn 10,000 bonus FlexPoints.

More on FlexPoints

Earning FlexPoints. Earn 1 point per $1 on all purchases and double on most cell phone purchases (monthly bills, accessories & Internet charges) and triple points on charitable donations. You can also earn double points on the category you spend the most on (out of groceries, airline travel or gas) each billing cycle.

Redeeming FlexPoints. You can redeem FlexPoints for award travel on more than 150 airlines. Search for your flights in FlexPerks’ Travelocity search window and then you’ll see how many FlexPoints you need for the ticket. In general 20,000 FlexPoints gets you a $400 airline ticket value.

Redeeming for Cash. You can also redeem your Flexpoints for gift cards or statement credits. I was able to redeem my all my points for a statement credit. 20,000 points was converted to a $200 statement credit.

0% APR. The FlexPerks Travel Rewards Visa offers an intro 0% APR for 12 months (purchases & balance transfers). The balance transfer does have a 3% fee within the first 30 days.

Sign Up for US Bank




Happy May Day! As springtime rolls in, it’s time for my semi-annual credit card application spree. We finished up the spending requirements for my husband’s holiday credit card application spree, so it’s back to my turn. If you are following along, here are the details from our other application sprees over the past year.

You’ll notice my list is a little shorter this time around. Normally, I wait until I have at least a dozen target cards. However, because there are two limited time offers for free money I want to take advantage of as soon as possible, I’m planning a quick application spree to pick up the following cards:

Credit Card Application List

  1. Barclaycard Arrival World MasterCard $440 sign up bonus. I want to get the $400 bonus (plus the $40 bonus on redemptions) on this card before the offer ends and it goes back to the normal $200 bonus.
  2. Business Gold Rewards Card from American Express. $500 sign up bonus Offer now expired. This is another limited time offer that I want to pick up before they take it away again.
  3. Chase Ink Bold Business Card. $500+ sign up bonus. The sign up bonus is worth $625 towards travel when you redeem through Ultimate Rewards. If you remember correctly, I already have this card, but I heard a rumor that you can have a second Ink Bold card if you apply for it under a different business. Since I have various businesses to choose from, I’ll go ahead give it a shot under another business and let you know if it’s a go.
  4. U.S. Bank FlexPerks Business Travel Rewards. $175 bonus. I have the personal version of this card and redeeming the bonus via statement credit is easy, so I want to pick up the business version for an easy $175.
  5. Citi Dividend Platinum Select $100 cash back. I had to skip this Citi card during my last application spree, since it fell to my 3rd choice (and Citi limits you to 2 new cards at a time). It’s time to circle back and pick up this card along with the $100 sign up bonus.
  6. Chase Freedom Visa. $100 cash back bonus. I have a Chase Freedom MasterCard already which I use for the rotating cash back. Can I have both versions of this card? Time to find out. This card also has a 0% balance transfer. More on that below.
  7. Priceline Rewards Visa. $50 sign up bonus. Anytime companies offer a 2% cash back card, I like to scoop it up. My 2% cards make up most of my default purchases that aren’t gift card or category specific.
  8. USAA Rewards American Express The USAA card only has a $25 sign up bonus, but I want to pick up this USAA card to open up some other options for cash back at the grocery store since my Blue Cash Preferred Card from American Express will be capped soon. The USAA card has tiered earnings up to 2.25% cash back on gas and grocery purchases. It’s not the best cash back card, but I also like to diversify across banks, and I don’t currently have a USAA card.

More Application Spree Offers for 0% Balance Transfers

In addition to the sign up bonuses, I also continue to play the credit card 0% balance transfer game. I’m planning to scoop up the following cards to flip a few balance transfers expiring soon (in addition to the Chase Freedom card mentioned above):

  • Discover it. 0% intro APR for 18 months from the date of the first transfer made by June 10, 2013. There is a 3% balance transfer fee.
  • Citi Diamond Preferred Card. 0% Intro APR on balance transfers and purchases for 18 months. There is a balance transfer fee of 3%.

Overall Value

The total for all of the sign up bonuses is: $2015 (at the time of writing; bonus amounts change over time). Not bad for a quick 8 card application spree, especially since you can get over $1500 of it with just the first three cards!

More on Credit Card Application Sprees





Spring is here! Which means 2nd quarter cash back is here! It’s time to reevaluate the cards you are carrying to take advantage of 2nd quarter 2013 cash rewards credit cards bonuses. Every quarter we reevaluate the cash back cards to make sure we get the highest cash back on each purchase including the credit cards that offer cash back on a rotating quarterly schedule.

In addition, you’ll need to switch around your cards again if you recently packed a special set of Credit Cards for Vacation.

As you switch out your cards, don’t forget to follow up on all your rewards and make sure you are earning the right cash back and maximizing all of your purchases.

By now, you know the drill: swap out the 2013 1st Quarter 5% Rewards and maximize your cash rewards for 2nd quarter 2013 to make sure you have the right cards, you are signed up for the 5% promotions, and you know where to use them.

2nd Quarter 2013 5% Cash Rewards Credit Cards

Chase Freedom. The Chase Freedom card will be the card of choice for restaurants this spring. The 2nd quarter 2013 Chase Freedom 5% categories are:

  • Restaurants
  • Movie Theaters
  • Lowe’s

See the entire 2013 Chase Freedom Rewards Calendar and the Best Way to Maximize Chase Ultimate Rewards Points.

Citi Dividend. If you are planning home improvements this spring, Citi has you covered with the 5% cash back! The 2nd quarter 2013 Citi Dividend 5% categories are:

  • Home Furnishing Stores
  • Home and Garden Stores
  • The Home Depot

Discover it. You’ll notice the switch from the old Discover More card to the new Discover it card this quarter. Both cards appear to have the same Discover 5% cash back for 2nd quarter 2013, although it’s just more home improvement categories. Quarterly rewards are much more fun when they are different across cards! The 2nd quarter 2013 Discover More 5% categories are:

  • Home Improvement Stores

See the entire 2013 Discover Rewards Calendar.

No Sign Up Needed

And as always, here are the easier cash back categories, since you don’t need to sign up.

 
Category Card Cash Back
Grocery Stores Blue Cash Preferred® Card from American Express 6% cash back
Gas Stations Pen Fed Platinum VISA 5% cash back at the pump
Restaurants Citi Forward 5 ThankYou Points for every $1
Target Target credit card 5% discount
Amazon Citi Forward Card or
Amazon Visa
5% cash back
3 points per dollar
Wireless and Office Supplies Ink Bold 5% cash back
Costco Fidelity Credit Card 2% cash back
Travel Chase Sapphire Preferred Various
Everything Else Gift cards purchased on American Express
or Gift cards purchased on Ink Bold
or Fidelity Credit Card
6%
5%
2%

How to Get Your 5% Cash Back

Here’s my checklist for rotating cash back programs:

  1. Sign up for all of the new quarterly cash back programs, even if you don’t know if you’ll use that card. To sign up, just log in to your account online and select the 2nd quarter 2013 5% cash back information. In order to earn the 5%, you have to enroll in each program quarterly.
  2. Write which categories to use each card for using a marker on the front of the card. It works really well to keep the cards straight!

Sign Up Bonus Offers

If you don’t have the 5% cash rewards cards I’m using, here are the ones currently offering sign up bonus offers:





Update: All of the current offers for credit card sign up bonuses are listed in our credit card directory.

Friday Featured Deal of the week! That’s my favorite celebration every Friday here at My Dollar Plan! Every week we feature a great deal, sign up bonus, or offer for you to earn some extra money. Our goal is to find the best offers that feature easy sign ups.

To kick off the New Year, it’s time to take a look back at the entire collection of active featured deals that we covered to date.

When I added it all up, you could potentially score anywhere from $2,500 to $3,000 in sign up bonuses, plus free flights and hotel stays per person. Now you know why it’s my favorite article each week!

Favorite Featured Deals

Featured Deals

High Dollar Featured Deals

My favorite featured deals offers right now are obviously the $400 and $500 credit card sign up bonuses. I sorted the list of credit card sign up offers by the bonus amount so you can start at the top and easily determine which offers are worth your time.

Credit Card Bonuses $400 – $500

Credit Card Bonuses $150 – $250

Credit Card Bonuses $100

More Featured Deals

You can also earn bonuses with investment accounts, free flights, cash back, gift cards and more. Here are more of the featured deals that you can take advantage of:

Investment & Checking Account Bonuses

IRA Account Bonuses

Free Flights

Free Nights

Cash Back Rewards Programs

Credit Card Rewards Programs

As always, we’ll be back next Friday with a new offer in the Friday Featured Deal of the week series!