MyCardBlog

Now most credit card issuers are not offering sign up bonus. I have several posts on recent opportunities to get sign up bonus from credit card issuers. Right now Bank of America is offering $75 bonus for opening a new account with the BankAmericard Cash Rewards Visa Signature Card and meeting required activities.

The promotion page can be found here.

Through the promotion page, we can find that you can get $75 bonus from this credit card through Add It Up program with qualified transactions.

To qualify for the $75 statement credit offer, your new BankAmericard Cash Rewards™ account must be used to make a purchase(s) totaling at least $50 on the Add It Up® website within 60 days of the account open date. Limit (1) credit per new account. Allow 8-12 weeks from qualifying for the statement credit to post to your account. Participating retailers and offers are subject to change. You must have either a Bank of America debit card or credit card and be enrolled in Online Banking to be eligible for participation in the Add It Up program. Redemption of accrued cash back rebates occurs in accordance with program Terms and Conditions, generally monthly when a minimum of $5.00 cash back has been earned. Program is not available to Online banking customers in WA or ID and select military bank customers. Select MyExpression® credit cards, co-brand debit cards, Business credit cards and other accounts are not eligible for participation in the program. Additional restrictions apply. For complete Add It Up program Terms and Conditions visit www.bankofamerica.com/additup.

This BankAmericard Cash Rewads Visa Signature Card also offers 0% introductory APR on purchases, balance transfers, and direct deposits for your first 7 or 10 billing cycles. Annual Fee is $0.

Other additional features are:

• Earn 3% cash back on gas, grocery and drugstore purchases for the first 6 months and 1% on all other purchases
• Get a 25% bonus for all cash rewards redemptions of $300 or more
• Get redemptions starting at $25, with the capability to set up automatic redemptions
• Redeem rewards for a check, account credit, direct deposit or pay down your eligible Bank of America^® mortgage

Overall I think is an OK credit card under current situation.

Bank of America is offering free McAfee Internet Security free for one year (12 months). You have to have an online account at www.bankofamerica.com to have the opportunity to get the free 12 month McAfee protection. This means that you have to have either a Bank of America Credit Card or a Banking Account at Bank of America.

Following is what you will get after signing in at Bank of America account via the link here.

Your Exclusive Bank of America Customer Offer: 12 Months Free of McAfee Internet Security

As a Bank of America Online Banking customer, you are eligible for an exclusive 12 month free subscription of McAfee Internet Security. In order to take advantage of this offer (a $69.99 value) you’ll need to complete the following steps:

1. Create a McAfee user account and create a password – which will allow you to access our download center
2. Enter your registration information (name, address, city, state and phone)
3. Provide your billing information for future automatic renewals. Please note your credit or debit card will not be charged at this time and you are under no obligation to renew your subscription. You may cancel the automatic renewal at any time prior to the expiration of the 12-month free subscription.

When your free 12-month subscription expires, as a Bank of America customer, you will receive a 50% discount on your renewal subscription, which is currently $34.98 ($69.99 MSRP). You will be notified ahead of time before your subscription is automatically renewed. To cancel this automatic renewal, contact McAfee Customer Support at 866-622-3911 prior to the expiration of the 12-month free subscription.

So please remember to cancel your McAfee subscription after one year.

Today I logged into my ING orange savings account and found that the referral promotion from ING Direct is working again. This referral promotion from ING Direct is very famous in the late 2007 and early 2008. And for a while, this promotion seemed to be dead. But in my account, I can see the banner for referring new customers to ING and earn up to $500 again. Both the referral and referred customers will earn bonus from ING Direct. $25 for new customers being referred to open a new account at ING with $250 deposit. And $10 for current ING Direct member who refer new customers to ING.

How it Works:
If your friend opens an account with at least $250, we will deposit a $25 bonus in their new account and a $10 thank you bonus in your ING DIRECT Account.

Important points:

• Your friends MUST use the referral link within the email sent from this screen to ensure they get the $25 welcome bonus.
• We will send the email on your behalf, so that the “From” field will display your name and the email address we have for you.
• For privacy reasons, we are not able to disclose which of your friends has opened an account with us or the initial deposit amount.
• The $25 bonus is only available for new Customers opening a new account as a primary owner.
• Your $10 thank you bonus will be added to your account upon the completion of the account opening process for qualifying accounts.

If you have friends or family members who have an account at ING Direct, you can ask them to refer you and both of you can earn bonuses from ING. Or you can contact me via sending email to cardoffer8 at gmail com. Both of us will earn some money from ING. Also please clarify which account you want to be referred, orange savings account or electronic orange account.

Today I received an invitation from Discover More Card which is offering $100 bonus for opening a new account at Discover Card and making required purchase amount. Discover More Card is the most popular discover credit card in the market which is consistently offering 5% cashback throughout the whole year. I have been using my Discover More Card for almost 3 years and like it a lot.

Following is some important information about this $100 bonus:

Application website: www.apply.Discovercard.com

Or Call 800-210-9022

Mention invitation code: FMSH

You have to spend over $599 to receive the $100 bonus.

This invitation code also provides 0% APR on balance transfer until September 2010. The 5% cashback changes every quarter in the year in categories like: travel, gas, groceries, restaurants and more.

Important fine print: Get a $100 Cashback Bonus when you apply by December 31, 2009 and make a total of $599 in purchases with your new card within 3 months of being approved. Promotional reward will be applied within 8 weeks. This promotional reward is in addition to the CashBack Bonus earned on all purchases.

PayPal is offering a $20 off $20 promotion for those who received the email from PayPal. Although the merchants are restricted to a selected group, it is still a great deal to catch up. You can simply grab some small stuffs with little money. The $20 cashback will be paid back to your PayPal account after this promotion ends. The merchants are: Graniph, FocalPrice, Milanoo, Dhgate, BestOfferBuy.com, MyCatwalk, Wiggle Time and Sasa. And this promotion ends on November 17, 2009.

Terms and Conditions:

Receive $20.00 USD cash back with a minimum purchase of $20.00 USD (excluding tax and shipping) (”Offer”). Offer applies to purchases at one of the following merchants: Graniph, FocalPrice, Milanoo, Dhgate, BestOfferBuy.com, MyCatwalk, Wiggle Time and Sasa (the “Merchants”). Purchases must be made on one of the Merchant’s websites and paid for using PayPal. Offer begins on Oct 21, 2009 at 12:00:01am U.S. Pacific Time and ends on November 17, 2009 at 11:59:59pm U.S. Pacific Time (the “Promotional Period”). To ensure that your purchase is eligible for the 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 the Offer and 3) complete a qualifying purchase and meet any additional eligibility requirements at one of the Merchant’s websites within the Promotional Period. The maximum cash back amount allowed per PayPal account is $20.00 USD. The cash back will be deposited into your PayPal account no later than December 15, 2009.

Ebates.com is the only cashback rewards program that I am using now for shopping online. If you do not know what is Ebates.com and how it works, please refer to my post about ebates.com. If you join ebates.com now, you can get free $5 bonus for signing up and making a purchase (you have to make a purchase to make the $5 bonus eligible). Ebates.com used to provide check or paypal to pay your cashback (you need to earn >$5 to get paid). But now Ebates.com is offering FAST CASH which allows you to easily use your cashback rewards at Ebates.com without getting checks or paypal payments.

To me FAST CASH is really functional, you can use your FAST CASH to make online purchase, or transfer money to your bank account, or even order a real plastic visa prepaid card with your balance at Ebates.com and use it at checkout!

When you choose to use FAST CASH, you will be issued a free VISA virtual account. It has a credit card/debit card-like card number, expiration date, security code and your billing address. This VISA virtual account has all the payment information you need to shop online. Your Visa virtual debit card is used just like a credit card – but it is not a credit card and carries no interest charges or annual fee.

Since you can not exceed the amount in your account, you can add a credit card to relate your VISA virtual account and make a payment just like a credit card. But this feature will add more security for your online shopping! You can also transfer your balance to your bank account or request a real plastic visa credit to use. I really like ebates. The cashback is really fast and they are very reliable.

Start shopping with Ebates.com and earning cashback now! Read more…

KeyBank is famous for offering GPS or iPod Nano for new customers who open a new checking account at Key Bank. And now Key Bank is running a new checking account bonus from which customers can earn either $125 or $225 bonus. The promotion page about this banking bonus is at: here.

According to the promotion page, it is pretty easy to get the $125 or $225 sign up bonus:

• Open a qualifying checking account and enroll in KeyBank Rewards by November 20, 2009
• Make one debit card transaction and a combination of two direct deposits and/or automated payments each of $100 or more by January 22, 2010

$125 is available for opening the free checking account which has no minimum balance requirement or monthly service charge. The $225 bonus needs to open either the Key Privilege Checking or Key Privilege Select Checking. Both of the two checking accounts have high minimum balance requirements to avoid a monthly service fee.

Fine print:

Free personal checking applies to Key Express Free Checking account. Between 10/17/09 and 11/20/09, you must open a Key Express Free Checking (this is the basic banking account in NY) or a Key Advantage Checking account and by 1/22/10 make one KeyBank Rewards debit card transaction and a combination of two direct deposits and/or automated payments each of $100 or more to get $125 or 60,000 KeyBank Reward Points. Limit one $125 gift or 60,000 points per qualifying account. Limit one $125 gift or 60,000 points per individual. The $125 gift will be reported on Form 1099-INT. Your $125 gift will be deposited into this account or you will receive 60,000 points within 90 days of meeting requirements. Maximum point accumulation is limited to 295,000 per calendar year. When you redeem points for a reward, you and the merchant are responsible for compliance with all laws related to the reward, including the payment and collection of any federal, state, and local taxes.

Between 10/17/09 and 11/20/09, you must open a Key Privilege or a Key Privilege Select Checking Account and by 1/22/10 make one KeyBank Rewards debit card transaction and a combination of two direct deposits and/or automated payments each of $100 or more to get $225. Limit one $225 gift per qualifying account. Limit one $225 gift per individual. The $225 gift will be reported on Form 1099-INT. Your $225 gift will be deposited into this account within 90 days of meeting requirements. Minimum combined balances required to avoid a monthly Maintenance Service Charge (ask for details).

American Express is the only credit card issuer that increased my Starwood Preferred Guest Card credit limit. Now American Express OPEN card members can earn $50 bonus for using your OPEN Cards at OPEN merchants. It is a great chance to earn small money for using your credit card.

The promotion link about this promotion is here.

The rule of this promotion:

As an American Express OPEN^® Cardmember, you are invited to enroll now to earn a $50 statement credit when you spend two times, for a total of $50 or more, at any OPEN Savings merchants between October 15 through December 15, 2009. This is in addition to your automatic OPEN Savings discounts.

Participating merchants in the OPEN Savings program include FedEx^®, FedEx OfficeSM, Hertz^®, Hyatt Hotels & Resorts^®, Courtyard by Marriott^®, Symantec, 1-800-FLOWERS.COM^®, Barnes & Noble.com and more. To learn about the OPEN Savings program and see a list of participating merchants visit www.open.com/opensavings.

To be eligible for this promotion, you must enroll using your online account management user ID and password.

It is a pretty easy $50 bonus for your OPEN cards. Most American Express Business Cards are OPEN Cards. All of the American Express personal credit cards are not OPEN cards.

Another American Express promotion is worth mentioning is the AMEX Daily Wish. On October 22, 2009, AMEX Daily Wish is running a computer deal for the ASUS Eee PC 1005HA netbook. The normal price of this ASUS Eee PC 1005HA at Ebay is about ~$280. But at AMEX Daily Wish, you can get this netbook at $200. But the quantity is limited. Only 75 netbooks are available. This promotion is open to all of American Express Card member. Link of this AMEX Daily Wish is at: http://dailywish.amexnetwork.com/default.aspx?ct=3&.