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Chase Freedom Card is offering $50 bonus and now the newly released Chase Sapphire Card is offering $100 bonus. To me, Chase is the only credit card issuer that still offers huge sign up bonus for credit cards that are not charging annual fees. I have 4 credit cards at Chase and over the past few years I never have any problem with them. So I would like to share this information with you. If you are not approved instantly, you can call Chase to check the application status. And if you have other credit cards at Chase, you can move part of your other credit cards’ credit limit to this new Chase Sapphire Card to get it approved.

So what’s this new Chase Sapphire Card is offering?

This Chase Sapphire Card is offering 10,000 bonus points after your first purchase, balance transfer, or check that is used to access your account, excluding cash advances. This 10,000 bonus points will be deposited to your account within 6~8 weeks which can be redeemed for a $100 gift card. So basically you are getting $100 gift card from Chase after first use of this credit card.

The most important thing is this Chase Sapphire Card does not have annual fee! You are worry-free!

In addition, You will earn 1 point for each $1 of net purchases. You will earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool. There is no maximum number of points that you can accumulate in the program. All of the points accumulated can be redeemed for gift cards and airline tickets. The points can be redeemed starting at 2,500 points for a $25 statement credit to apply to any purchase(s) made with your Chase credit card, where permitted by law, and in 100-point increments for each additional $1 of credit. Rebate redemptions start at $25 in rebates for a $25 statement credit to apply to any purchase(s) made with your Chase credit card, where permitted by law.

Chase also has the ultimate rewards mall, which is an online shopping rewards program like the add it up from Bank of America. You can earn additional points for shopping through this Chase Ultimate Rewards Mall.

Currently, I think this Chase Sapphire Card is the best personal card from Chase or other credit card issuer. Especially for those who spend a lot of money per year and can easily reach the rewards cap set by credit card issuers. Go and grab a Chase Sapphire Card now!!!

Once per year, the holiday shopping season is approaching. Other than the merchants that are trying to increase the sales. Our beloved credit card issuers, and other payment processing providers like Paypal are also trying to promote their own services. If you are lucky, you are now receiving an invitation from PayPal regarding a 5% cashback for the coming shopping season.

The invitation goes to my not-frequently-used PayPal account. The title of the email is: By invitation only: David, get 5% cash back all season long.

By receiving this email, you are pre-selected by Paypal to get a 5% chance to get more rewards for your holiday shopping.

The content of this email:

You’ve been selected to receive a special offer: PayPal Cash Back Rewards. After your second PayPal purchase, you’ll earn 5% cash back on your additional PayPal purchases* through December 21st. And with one-step sign up, you’ll be earning cash back in no time.

SO you need to sign up via click the link in the email to be eligible to get the rewards.

Some important points about this prmotion:

Receive 5% cash back (”Cash Back Rewards”) on your 3rd purchase and each purchase thereafter through December 21, 2009 (excluding tax and shipping), made from any participating U.S. merchant when you use PayPal as the payment method (”Offer”). Purchases made at eBay.com do not qualify for this Offer. Offer begins on November 3, 2009 and ends December 21, 2009 or as long as the Cash Back Rewards Offer is available on the PayPal site, whichever occurs first. In order to receive this Offer you must 1) have a U.S. PayPal account in good standing, 2) receive an email directly from PayPal inviting you to participate in this Offer, 3) register for the Cash Back Rewards Offer, when prompted to do so, using the same email address where you received the Offer invitation, and 4) complete two purchases. Your third purchase, and each purchase you make after that, will qualify for the Offer, as long as they are completed by December 21, 2009. The maximum amount of cash back under this Offer is limited to $20 USD per purchase, and a maximum of $200 USD per PayPal account from November 3, 2009 through December 21, 2009. The cash back will be deposited into your PayPal account between November 19, 2009 and December 30, 2009, based upon your transaction dates.

Rumors have been floating on the web about a one day special sale at Walmart Stores. I personally searched on the web and indeed found some super pre Black Friday deals during that one day sale. Walmart usually runs similar promotions before Black Friday comes. Following is the details about this sale.

Note: according to the ad shown at yahoo.com, all sales begin at 8:00 am on Saturday November 8th, 2009.

Xbox 360 Arcade Console for $199 with $100 walmart gift card. So the final price of this Xbox 360 Arcade console is $99!!! This is the lowest price we could get in the market. What a great gift for the coming holidays!!!

HP G60-519WM for only $298!!

Specs of this laptop:

• Intel Celeron 900 (2.2GHz, 1MB cache, 800MHz FSB)
• Windows 7 Home Premium
• 3072MB DDR2 System Memory
• 250GB(5400rpm) Hard Drive
• 802.11b/g WLAN
• LightScribe SuperMulti 8x DVD +-R/RW Drive w/Double Layer Support
• 15.6″ Diagonal High-Definition HP BrightView display
• Intel Graphics Media Accelerator 4500M with up to 1309MB total available memory
• 3 USB 2.0 Ports

Sony Blu-Ray Disc for $148!

42″ Sharp LCD HDTV for only $498!

46″ Panasonic Plasma HDTV for only $788

It is quite possible that a long queue will be lined up before store opens. Try your luck!!! Read more…

Personal Chase Freedom Credit Card is not offering 3% cash back on selected categories any longer. So this credit card is not a great credit card for generally daily use. But the good thing is that you can get $50 sign up bonus from this Chase Freedom Credit Card. However, the business version of the Chase Freedom Credit Card is still offering 3% cash back on selected categories.

You can view the information about 3% cash back on this Chase Freedom for Business Credit Card at here. This Chase Freedom for Business Credit Card is offering 3% cash back on your top 3 Everyday categories. If you are a customer of the Chase Business Checking (eligible for Chase Exclusive for Business), you are eligible to get 5 categories. That is a huge return! Plus you will also get $50 bonus after first purchase.

Features of this Chase Freedom for Business Credit Card:

• Saves You Money
  No monthly service fees on Chase BusinessClassic^SM Checking or Chase BusinessClassic^SM with Interest checking accounts when linked to an active Chase Freedom for Business credit card account.
• More rewards
  Chase Freedom for Business gives you 3% cash back on your top 3 Everyday categories and 1% on all other purchases. And, as a Chase Checking Customer, you’ll earn 3% cash back on your top 5 Everyday categories—and additional 2 categories where you can earn rewards every month!
• No Expiration
  Rewards don’t expire when you have an open Chase Checking account, so save up and redeem when you’re ready. Faster Rewards
  Earn rewards faster than ever when you get extra cards for employees.
• Freedom to Change
  Redeem for $50 check once you’ve earned $50 in rewards, or switch to earn triple points and take your rewards with you.

Chase Exclusive for Business Offers can be found at here.

You, as a person, can register as a Sole proprietorship. Sole proprietorship means is a type of business entity which is owned and run by one individual and where there is no legal distinction between the owner and the business. Then you can open a business checking account and apply for this Chase Freedom for Business Credit Card.

Today most retailers have their own brand credit cards (which you can use everywhere with VISA, MasterCard, or American Express logo) or store cards (which you can only use at specific stores). I was interested in this kind of credit cards now and will introduce some of them in the following posts. The NO. 1 card that I want to introduce here is the Sears Card including Sears Card and Sears MasterCard issued with Citi.

Sears Card

This is a general store issued card which can only be used at Sears stores, K Mart stores, Sears.com and Kmart.com. Sears often offer special discount to Sears Cardholders (5%~30% off by chance). One very important feature I want to mention here is the free monthly credit score access for this Sears Cardholders. It is interesting that they have a website to describe this promotion at http://www.searsscore.com/. This credit score access is counted as soft pull which does not influence your credit score. So if you want to monitor your credit score, you would like to consider this card.

Other features of this card:

• No annual fee
• Returns without a receipt
• Exclusive cardmember-only sales throughout the year with big savings on Kenmore^TM appliances, washers, dryers, Craftsman^® tools and electronics
• Frequent short-term special financing offers

Read more…

A lot of readers send me email regarding the “Best Cash Back Credit Card”. Most credit cards offer 1% cash back but only a few credit cards are still offering 2% cash back without any restrictions. But the Fidelity Rewards American Express Cards are the only credit card that I will recommend to you. (Yes, I know that Orchard Bank credit card or Household Bank credit card are offering 2% cash back but their credit limits are too low!) There are three versions of this credit card. Most people will go to the Fidelity^® Investment Rewards American Express^® Card. If you are a college student, then you can also consider the Fidelity Investments 529 College Rewards^® American Express^® Card. Others might want the Fidelity^® Retirement Rewards American Express^® Card.

Main features of this credit card:

Different versions of this credit card need to be linked to different Fidelity accounts to be eligible to get the 2% cash back.

Customers earn 2 points for each $1 in net retail purchases. Once you reach 5,000 points, they can be redeemed automatically or on demand for cash at a 1% exchange rate into an eligible Fidelity account (i.e. 5,000 points = $50 deposit). The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits.

I introduced the Add It Up program from Bank of America early this year. It seems that not many of my readers are interested in this program including myself. I usually us ebates.com or mrrebates.com to earn cash back. Now I found that actually Add It Up will offer huge cash back for certain merchants when they run promotions. So I think it is necessary to point it out and let all of you guys know this.

Enroll in Add It Up is very simple. Login your online account at Bank of America and then at the Customer Service section you can find the link to Add It Up program. All you have to do is to provide email address to let BOA to contact you regarding cash back and choose the accounts (some or all) to enroll in this program (banking accounts or credit cards accounts are qualified). Finally, you want to choose the account that the cash back will be deposited to either credit card or checking account will be OK). Now you are ready to earn cash back by shopping online through Add It Up!

The Key is how much they will reward you for shopping through Add It Up. Now I have some popular merchants for your reference.

• Sears.com 6%
• BestBuy.com 3%
• Staples.com 4%
• Target.com 8%
• WalMart.com 4%
• Apple Store 4%

They can be found at the Limited Time Offer section in the program page.

After you click the merchant to shop, Add It Up will once again to confirm that you are going to enter the merchant’s page. SO the cash back will not be lost because you are always asked to get the permission to go to the merchant’s website.

The limited time offers change all the time. So before you place the order via other cash back websites, it is a good habit to check current rate at Add It Up to earn more cash back.

Some of you may ask “How long does it take to get my cash back rewards?”

Answer: It can take up to 90-120 days for cash back awards to be credited to your account. Why? Participating retailers must first confirm your purchase and typically they have up to 90 days from the purchase date to reverse a transaction for return purposes. During this time, your award will have a Pending status on the My Awards page.

But please note that Washington and Idaho BOA customers are not eligible for this program .

I just introduced the BankAmericard Cash Rewards Visa Signature Card from Bank of America yesterday. And many readers sent inquires about other possible huge promotions. $75 bonus seems to be not so attractive to many. Well, then the Premier Rewards Gold Card from American Express might excite you! The main reason is that this credit card is offering 15000 bonus sign up points now with first year fee-free!

This 15000 bonus rewards points can be redeemed as a $150 gift card which doubles the earning compared to the BankAmericard Cash Rewards Visa Signature Card. Please remember that you have to spend over $1000 to get the 15000 bonus points.

Overall features of this Premier Rewards Gold Card from American Express:

• Earn 15,000 Membership Rewards® bonus points when you spend $1,000 in your first 3 months of Card membership – redeemable for up to $150 in gift Cards upon point credit at participating retail, dining, and entertainment partners.
• Earn Membership Rewards® points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else.
• No annual fee for your first year of membership, then $175.
• Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year.
• Gold Card Events: Access to Preferred Seating, pre-sale tickets, and more.

My point is to sign up this credit card and spend $1000 in 3 months and then cancel it any time before the next year. (Secret: When you call to cancel it, American Express will probably give you 10000 bonus points!)