MyCardBlog

If you are referred by one of your friends from ING, you can get $25 bonus! To get the bonus, you must have to use the link sent to you by your friend and deposit $250. You will receive the bonus immediately! (At least from my own experience) The drawback is: you have to wait about 15 days to use the money. After that, you can transfer money as you wish.

PS. That’s really good. If anyone wants to get a referral, you can send email to me.

Bank of America

US Airways Visa Signature Card: 25,000 bonus Dividend Miles after first purchase. Annual fee is $90.

Alaska Airlines Visa Signature Card: 20,000 bonus miles after first purchase. One round-trip $50 companion ticket each year! Annual fee is $75.

Hawaiian Airlines Visa Platinum Card: 10,000 Bonus Hawaiian Miles after first purchase. Up to 50% discount for travel between US Mainland and Hawaiian. Annual fee is $50.

Asiana Visa Platinum Plus: 5,000 bonus miles after first purchase. Annual fee is $80.

Mexiana Airlines Visa Platinum Plus: Get a free companion ticket! Annual fee is $45.

Citi Bank

Citi Platinum Select/AAdvantage(R) World MasterCard (Citi Select/AAdvantage American Express Card): Each card can give you 20,000 bonus miles if you spend $750 in 4 months. Annual fee is $85 after first year.

Citi Gold/AAdvantage(R) World MasterCard (Citi AAdvantage American Express Card): Each card gives you 15,000 bonus miles if you spend $150 in 2 months. Annual fee is 75 after first year.

Citi Bonze/AAdvantage(R) MasterCard: 2,500 bonus miles with no annual fee.

Citi PremierPass Card (Citi PremierPass American Express Card): Each card give you 10,000 bonus miles without annual fee.

Citi PremierPass Card-Elite Level (Citi PremierPass American Express Card-Elite Level): The first card is giving out 20,000 bonus miles if you spend $500 in 2 months with $85 annual fee. The second card give you 15,000 bonus miles and a $75 annual fee.

Discover Card

Discover Miles Card: You will get 12,000 miles for the first year (1000 miles each month). No annual fee.

CapitalOne Card

You really need one card from CapitalOne? I don’t like CapitalOne. If you want ot check it out, plese go to capitalone.com. Kind remind: Don’t touch capitalone! It will pull your credit report from 3 bureaus. You might keeping receiving the ivitations from capitalone, however, the invitations from it mean nothing! Again don’t touch capitalone.

These days I summarized some airline mileage rewards cards. It seems most of airline companies are offering bonus but most are with annual fees after first year. I will post the airline mileage rewards credit cards by company (personal cards).

American Express

GOLD Delta SkyMiles Credit Card: 15,000 bonus miles with your first purchase. Extra 5,000 bonus miles for adding an authorized user. First year fee free, $85 after that.

PLATINUM Delta SkyMiles Credit Card: 20,000 bonus miles with your first purchase. Extra 2,500 bonus miles for adding an authorized user. Annual fee: $135.

Skypoints Credit Card: 7,500 bonus miles after first purchase. Annual fee is waived for the first year, after that $49 per year.

Jet Blue Card from American Express: 5,000 Award Dollars=25 TrueBlue points (200 Award Dollars=1 TrueBlue point and 100 TrueBlue points=1 round trip flight) after first purchase. You will earn 1 reward dollar for every 1 dollar spent. Annual fee is $40.

Blue Sky from American Express: NO bonus! Earn points good for airline, hotel, cruise and more. NO annual fee.

Don’t forget Starwood Preferred Guest Credit Card. You can transfer starpoints for airline mileages.

Chase

United Mileage Plus Visa Signature Card: After your first purchase you will receive 20,000 bonus miles, one $25 United Discount Travel Certificate, and one One-way, 1,000 mile, One-class Upgrade Certificate. Annual fee is $60.

SouthWest Airlines Rapid Rewards Visa Signature Card: Get 8 Rapid Rewards credits that’s half way to a round trip flight ticket. You can earn Rapid Rewards credits for balance transfer. Annual fee is $59 for signature card and $39 for classic card. If you apply on SouthWest.com, you can get $20 credit today!

Continetal WorldCard MasterCard: Earn 15,000 OnePass miles after your first purchase. Annual fee is $85 for a World card and $65 for a classic card.

British Airways Visa Signature Card: Earn 15,000 bonus miles with your first purchase. Annual fee is $75.

US Bank

WoldPerks Vias Signature Card: You can get 10,000 bonus miles after first purchase.Annual fee is $55.

I am really tired for typing so many words…..Take a rest and I will be right back for the mext post—Citi and Bank of America.

When you have money, you want to put them into a high yield account. If you’re familiar with mutual funds or other invest methods, go ahead! If you are lack of invest ideas and knowledge, you can put your money in a saving account which is much safer than other invest methods. You can withdraw your money from saving account at any time when you need it. SO I did some research and list some high yield saving accounts for my readers.

ING Direct Electric Orange Checking Account: you can get 4.00% APY for balance under $50,000; 5.25% APY for balance between $50,000 and $100,000; 5.30 APY for balance higher than $100,000. You can also get a free mastercard debit card which allows you get money at 32,000 ATM worldwide.

ING Direct Orange Saving Account: you can get 4.5% APY for this account which features no minimum balance requirement and no monthly fee. You can get $25 from ING if you are referred by an existing customer.

Washington Mutual: you can get 5.00% APY for opening a wamu free checking and saving account online. If you want to get the 5.00% APY, you must have to apply for both accounts. The minimum amount to open a checking and saving account is $1 each. NO minimum balance and fees apply.

E-LOAN Online Saving Account: you can get 5.00% APY from E-LOAN, an online bank, for minimum balance $5,000.

WILMINGTON TRUST Direct Saving Account: the APY is 5.26% for balance over $10,000. No FEES!

HSBC Online Saving Account: the APY is 5.05%. This account features no fees and no minimum balance. You have to put in $1 to open this account online. (HSBC is famous for banking but is a newbie in credit card market.)

Emigrant Direct AmericanDream Saving Account: the APY is 5.05%. This account also features no fees and no minimum balance. AmericaDream! So attractive to foreigners?

CapitaOne High Yield Money Market Account: APY is 5.00% and you will have a debit card. NO fees and minimum balance applied. I don’t like CapitalOne. How about you?

Citibank Ultimate Saving Account: APY is 4.75% with no monthly fees and minimum balance. If I am right, they also offer $50 bonus for opening a new account. SO just wait until the similar offers come up.

AmtrustDirect e-Money Market Account: APY is 5.31% with no monthly fees and minimum balance is $1. You will also need $1 to open this account.

E*TRADE Complete Savins Account: APY is 5.05%. No monthly fees and minimum balance required.

Countrywide Bank Savingslink Account: APY 5.50%. $1000 minimum to open an account. This is a major US home loan lender. SAFE to put money there? FDIC insured.

GMAC Bank Money Market Savings Account: APY is 5.30% for balance higher than $500. You will also need to keep $500 minimum balance to avoid service fee. I hate this!

Ok. I think I have provided enough choices for you. Next time I will write about CDs.

Bank of America (BOA) now is offering $100 bonus for opening a new MyAccess checking account. The offer code is AOU2609. You can open MyAccess checking account online or by visiting a local branch. Offer expires on November 30, 2007. However, you should be aware that you have to make $100 minimum deposit to get the bonus. NO direct deposit required, NO minimum balance required. From BOA, the $100 will be deposited in 90 days after you open a new account. This offer is only for new customers. Hurry up!

I got my chase sony card today! This is my 11st credit card since I came here last year. My first credit card is from National City Bank. At first, I’d like to write about my application experience with chase sony card. I submitted my application for Chase Sony Card on Aug 1st, 2007. I used the link from Chase.com which will give me 1,500 points bonus. I didn’t get the immediate response which means I have to get approved by a credit analyst. In the next two weeks, I still didn’t get any information from Chase. On Aug 17th, I received a call from Chase. But I missed that call becasue I was in my bathroom! Then several days later I received a letter which asked me to sent out my bank statement, power bills or phone bills to verify my personal information. I faxed all the required materials on Aug 23rd. Then after two weeks, I didn’t get any information. Wait and wait…… On Aug 26th, when I bought a cell phone from Amazon I applied for an Amazon.com visa card. On Aug 28th, I got a call from Chase to verify that I did apply for this card. I got approved immediately! However, I still didn’t have any information about my Chase Sony Card! I called Chase this afternoon. That guy put me hold for about 10 mins, and then told me that he approved my application and I should receive my new Chase Sony Card in 7-10 days! Amazing! I got my Sony Card finally! The phone number is 800-480-1870. I think this phone number belongs to the new accounts department. With this phone, you can talk to the credit analysts in person which will give you great chance to get new credit card. SO please remember this number.

Let’s talk about Chase Sony Card. At Chase.com, you can find that Chase is offerring 1,500 points after first purchase. However, when you apply for this card at sony.com, you can see the offer is “get a sony reader for $49.95 plus S&H”. That’s about $250. Are they differen’t? In fact, they are offerring tha same thing. You use about $50 to buy extra points and combine the 1,500 points to buy a sony reader. At the same time, you can get 100 ebooks for free! Anyway, the 1,500 points is equal to $150. There seems another offer from sonystyle.com—get $150 credit with $299 purchase at sonystyle.com. I think chase sony card currently is offerring the best signup bonus. At last, a kind reminder—this deal ends in Sep 30th, 2007. Hurry up!

American Express offers the national wide in-store promotion enabling shoppers can get free $25 gift card when they purchase any 2 gift cards before Sep 30, 2007. The rebate form must be received by AMEX by Oct 22, 2007. The unique back-to-school card can be used at LINES*N*THINGS, GAP, BANANA REPUBLIC, and OLD NAVY.

We all are aware that the back-to-school period is one of the most busiest shopping season in a year. Every family spends about $1000 for their kids during this time period. We can buy two $25 gift cards in CVS or other retailer stores and get the $25 gift card after mail-in-rebate. Although there is an activation fee associated with each card, it’s still a good deal for RB, GAP, and ON fans. See details in AMERICAN EXPRESS and YAHOO.

Remember: this is an in-store offer.

Citi Cards now offer the PDF copied for our Citi Cards Holders. The monthly default choice is still the html and you have go further to request it. When you put your mouse on “view my account”, there is a new option—”Request a PDF Statement”. Then go ahead and click it. You can choose to see which month statement you want to review. After a while (usually one day) you can see the X (0,1,2,3,4,5,6) “Statement Ready”, click “view”. Then you can see the statements you want. It’s obviously useful for those who are still receiving paper statements. This is really a great improvement, since you can’t see the rewards information in previous monthly html statements. And we all prefer to read our statements in PDF format, don’t we?