MyCardBlog

Great news from Citi Dividend Card!!! When you enter your Citi Dividend Card account, click “more offers”, then you will see the banner “Earn 5% Cash Back”.

As a valued Citi Dividend cardmember, you can earn 5% Cash Back on purchases made at Department, Electronics and Apparel Stores with your Citi Dividend Card for 3 months once you activate this offer.

Offer is valid for 3 months from the time you activate this offer on eligible purchases. Please note that it may take up to 2 business days from when you activate your offer to start earning bonus cash back. It may take one to three billing statements for your bonus cash back to post to your card account after the promotion ends.

If you have a Citi Dividend Card, you should login your account and activate this promotion.

American Express is offering a great promotion right now. If you buy 5 gift cards in one order at www.americanexpress.com/gift, you can get a complimentary American Express branded gadget lover’s card worth $25 by mail-in rebate!

Gift Card (total): 5*$25=$125.00;

Activation Fees: 5*$3.95=$19.50;

Shipping: $5.95;

Promotion Discount: $19.50;

Total: $130.95

In order to get the activation fees waived, you should use promotion code: HOLIDAY07 and use your american express card to place the order.

So you pay $130.95 for $125+$25=$150.00. It seems you can get 12.70% off on everything by using the gift cards purchased from American Express. We might all remember that they offered buy two get one promotion (see this post) last time. However, considering they have deducted the activation fees, this is still a good deal.

The Gadget Lover’s card can be used at some selected electronic merchant locations lick circuit city, bestbuy, staples and so on. You can locate the retailers here at www.electronicpoints.com. This card is valid for only 3 months. Offer is limited to 1 redemption per household or address (you may find out a way to get more.) Promotion duration is from 11/07/2007 to 12/31/2007. Remember: purchases of personalized or customizable gift cards are not eligible for redemption. You must have to choose from the current gift cards from americanexpress.com. You can find the rebate form here. Good luck!

There is another chance to get double points from you American Express card. (Click here to see the previous one.) This time is the Blue from American Express card. You can click here to visit the amexbluepicks.com. (This is an official American Express website.) If you have received an email from American Express, please enter the RSVP code in the email. You can choose 3 different categories to earn extra 1 point for every dollar spent in those categories. It works like Chase Freedom. (You can get $50 bonus for a new chase freedom card.) Right? And then, from December 1,2007 to March 31, 2008, you can get extra 1 point in those pre-selected categories. You must register your Blue from American Express before November 25, 2007. If you don’t have the RSVP code, you can enter your email address and submit to American Express at the bottom of the page. Try your luck!

American Express is offering cardholders double points for each dollar charged on the AMEX card. The promotion is limited to those who are qualified. I can register with my blue from American Express card. (I don’t know how they categorize the cardholders.) Beginning 11/01/2007 and for each calendar month through 1/31/2008, you can earn one point and one bonus point for every eligible dollar of purchases charged to your personal or small business American Express Cards linked to your Membership Rewards account enrolled in this promotion. (Click here to enroll.) Total bonus points earned each calendar month are subject to maximum monthly limits of 5,000 points. Bonus points will be credited to your Membership Rewards account approximately 12-14 weeks after charges appear on your billing statement. Offer valid from 11/01/2007 through 1/31/2008. To be eligible to earn Membership Rewards bonus points, you must register by 12/15/2007. Only Cardmembers invited to participate may enroll. It seems you can get 2% back on your American Express card until 01/31/2008. If you can’t get registered, you can call them up and mention the promotion code: 088890001.

Another good news is American Express cardholders can get $100 off $1000 or more at Apple Online Store. I have a e-coupon eligible for this event. The code is BRY9EC2ZLN. You need to enter the code at check out. Is this is similar with the famous AMEX TailorMade promotion with Lenovo Thinkpad computers? For deltails please click here. You can get a 13-inch white MacBook for $999.

I have a post about the promotion from Citi Credit Protector. They will send out a free digital picture frame for enrolling the program. According to Amazon.com, the price for that digital picture frame is about $60. Today, I received the welcome package from Citi. I use my Citi Dividend Platinum Select MasterCard to enroll in the program. If you are not using the card very much, I think it’s a really nice deal. The cost is $85 cents for every $100 new balance every month.

CapitalOne launched a new website——www.capitalonecardlab.com. According to CapitalOne, this site allows you to choose the credit card offers by fitting the application criteria of CapitalOne. They claim that this is the first America’s “Do-It-Yourself” credit card offer. However, I think I should write a post about this new website. You might find a great offer from them.

Once you click “Get Started”, you will be beginning the choosing process. According to your credit score, you can choose “Excellent”, “Above Average”, “Needs Improvement”, and “Limited History”. And then, you can choose the from the following card features: “Basic Rewards”, “Additional Rewards”, “Introductory APR on Purchases”, “APR on Balance Transfer”, “Annual Percentage Rate”, and “Annual Fee”. After that, you can choose your card design through 9 beautiful designs. The last step is to review your card features and then click “Apply Now” to file the application form. Actually, at this step, you will be redirected to the CapitalOne site.

I think what you might be interested in is to choose “2x Rewards on Purchases for 12 months” at “Additional Rewards”. (They offer 1% cash back for everything.) SO you will have a card will 2% cash back on everything for 12 months with 0% APR on purchases. Another feature of CapitalOne card is there is no foreign transaction fee.

Following are two cards that I chose from this website. (Actually the ads from Kontera in my blog are introducing the CapitalOne card lab.)
Excellent

Above Average

American Express will start the “My Wishlist” promotion on November 28, 2007. My WishList is a program from American Express that offers limited quantities of some of the most sought-after items at incredible Cardmember-only prices, as well as featured products with great savings, and limited-time, limited-supply Wish Certificates. The program runs twice a year: in the spring and during the winter holiday season. It’s our way of saying “thanks” to our Cardmembers. American Express will be giving out HOT PRODUCTS, FEATURED PRODUCTS, WISH CERTIFICATE and EXCLUSIVE MERCHANT OFFERS.

Here are ultimate wish giveaways:

Promotion Period #1:
One “JetBlue Airways Private Flight” (“JetBlue Prize”). Total ARV of JetBlue Prize is $171,367.00. This prize includes a roundtrip coach class flight for up to 150 passengers on JetBlue Airways.

Promotion Period #2:
One model year 2008 Volvo C30 Version 2.0 automobile. ARV of Prize Vehicle C30: $29,820.00.

Promotion Period #3:
Same Prize Vehicle C30 as Promotion Period #2. ARV is $29,820.00.

Promotion Period #4:
One model year 2008 Volvo C70 T5 automobile. ARV of Prize Vehicle C70: $43,205.

Wish certificates are from the following merchants: eToys, Neiman Marcus, Home Depot, BestBuy, The UPS Store, Continetal Airline Vacation, Lands End, Hewlett-Packard, Kodak Gallery, Sports Authority, JetBlue Airways, Borders, Bed Bath & Beyond, Loehmanns, and Restoration Hardware.

You have to use American Express card to redeem the certificates. From my point of view, the certificates are worse than before. We all might be waiting for the Amazon gift certificates; however, they are gone this year. There are other featured products like Panasonic 42’’ 1080P HD Plasma TV for $700, BMW Motorcycle for $5000 and X Box Elite Game System for $300.

You can use AMEX card issued from BOA and Citi. If you don’t have a card from American Express, you can try to get one now. For detailed information, please refer to http://mywishlist.amexnetwork.com.

American Express OPEN introduced the Plum Card and it’s now open to accept application today! (Today is the first date to accept application!) This card will bring great benefits for business owners. General features are:

• pay in full within 10 days of the end of the billing period to receive the early pay discount, or
• defer payment up to two months by paying 10% of the balance by the date indicated in the billing statement.

The Plum Card offers cardholders an early pay discount of up to 2% on virtually everything they buy with this card and the ability to defer the payment for up to 60 days. Detlailed card benefits:

Trade Terms
- Early Pay Discount with no caps: Pay the bill in full within 10 days of the billing cycle and receive a 2% discount on new spending when it exceeds $5,000. Any month the charges total $5,000 or less receive a 1% discount for early payment. A credit appears on the following month’s statement; OR
- Defer Pay Option: Take up to two months from the billing cycle date to pay for new purchases in full – all without interest or finance charges. All it requires is a payment of 10% of the full balance during the first billing cycle.

Payment cycle selection - Choose to have the billing statement delivered at the beginning, middle or end of the month;

Easy online card management: Customizable online tools for expense management, reporting and to view payment options/history. Online tools that will help small businesses get the most out of the product, including: Early Pay Reminder, E-statement and Online Bill Pay;

No pre-set spending limit: Based on spending and payment history. Purchasing power adapts based on Card usage and can grow over time;

First year fee-free, $185 annual fee thereafter; fee-free additional Card: Ideal for a purchasing manager/office manager (First additional Card is free, all additional are $45);

The OPEN Savings program, which offers automatic savings at select travel and service providers, and business suppliers like Delta, JetBlue, Fedex Kinko’s, and Hyatt. For more information, visit OpenSavings.com;

Retail and travel protections such as Global Assist, Car Rental Loss & Damage Insurance, Purchase Protection Insurance, Travel Accident Insurance, American Express Card Baggage Insurance, Buyers Assurance Plan, Automatic Bill Payment, Express Cash Emergency Card Replacement, Emergency Check Cashing, and 24-hour customer service.

In summary, if you can spend $5000+ every month, this is a good card for you. Every month you spend $5000+, you can get 2% cashback. Every month you spend less than $5000, you can get 1% cashback. Drawback is you have to pay at least 10% of your balance in 10 days of the new bill. I think the new color will also attract new applications. If you are a great spender, this is a nice card for you. For deatails, please click here.