iPad Air 2 64GB on Sale on eBay - Take Advantage of Increased eBay Bucks - Great Reselling Opportunity

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site:  Top Cashback, eBay, Amazon

Keep in mind that the time will come where prices will drop with new versions possibly coming out and you may also have extra returns because of that.

$50 Sign Up Bonus for Fidelity American Express

HT - Points Centric

Fidelity American Express is one of my favorite credit cards to use.  It's kind of a boring card so it doesn't get as much attention as it deserves.  In addition, there is usually no sign up bonus but it's my trusty old card that's always in my wallet and I use it to buy American Express Gift Cards as well.

Serve and Fidelity Becoming Best Buds - Buy a RedBird on Ebay!

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site:  Top Cashback



As reported in many Blogs over the weekend, starting April 16th you can no longer load funds to Serve via Visa, Mastercard or Discover cards.  American Express cards still work, but most do not earn any rewards for loading, though they may count towards minimum spending for sign up bonuses.

The one exception is the Fidelity American Express which is my favorite everyday expenses credit card.  If you still want Serve, you should get a Fidelity American Express.

Put Serve Aside and Get RedBird

In case you live near a Target, but not in a state that sell RedBird cards, you are in luck.  An entire business has sprung up on the internet of people buying temporary cards with $1 loading on them selling them on Ebay for $30-$50.


You will even get Ebay bucks for the purchase and 1.5% cashback from Top Cashback if you go there first.  I bought three myself for various family members.  It was quick and easy.  You will usually get a picture of the card the same day and that's all you need!  Here is one example for $37 until it is sold.  Update: Reader Coptermedic points out that Reddit User HonestlyTho has a very good reputation on Reddit and sells RedBirds on his site for $25.

If you have no other way of getting one, it's worth it.  1 month of loading RedBird with a Fidelity American Express will net you $100, $160 if you load via American Express Gift Cards at the current rate.



HT - Doctor of Credit, Miles to Memories, Frequent Miler, Travel with Grant, Running with Miles

Raise - Dunkin Donuts Gift Cards Up to 26% off!

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site:  Raise and Top Cashback

Using American Express Gift Cards for RedBird

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site: Top Cashback








Ever since I have gotten RedBird it has instantly become part of my inner circle of cards.  Don't worry, it's a big circle.  RedBird allows me to create $5,000 of Manufactured Spending fee free every month.  Since my wife has one as well, that's doubled to $10,000 a month.

Loading is quick and easy.  It usually takes me about 20 minutes door to door to get to Target, load and come back home.  The Target employees are always very helpful and never look at the name on the card even when I hand them two.  If I put $10,000 a month on my Fidelity American Express that's $200 a month of free money!

But you know me, I'm always thinking, Can we do better? So, can we do better?  The answer, of course, is yes!

American Express Gift Cards and RedBird - Like Peas and Carrots

I've posted many times about American Express Gift Cards.  One of their best uses is to load money onto RedBird.  Here is how it works:

1) Start at Top Cashback and then go to the American Express Gift Card website.
2) Buy AMEX gift cards with your Fidelity American Express
3) Use your Gift cards at Target to load RedBird.
4) Rinse and Repeat next month


Top Cashback lately has a baseline payout of 1.5% for American Express Gift Cards and sometimes it goes up to 2.25%.

Assuming a 1.5% payout, you will still get your 2% cashback from Fidelity.  The best way to maximize fees is to buy 5 $2,000 gift cards at a time ($3,000 gift cards seem to no longer payout on portals).

Fees come out to $28.70.  You get $200 cashback from Fidelity and $150 from Top Cashback or $350 total.  After fees, it comes out to $321.30 or 3.21%.



That's $160 every month for every RedBird you have.  If you have two cards like me, you will be getting $321.30 every month or $3,855.60 a year!

But wait, there's more!

If you can buy in at 2.25% payout, it's even better for the same amount of work.

Your fees come out to the same $28.70.  You get $200 cashback from Fidelity and $225 from Top Cashback or $425 total.  After fees, it comes out to $396.30 or 3.96%.

That's $198 for every RedBird you have.  If you have two cards like me, you will be getting $396.30 every month or $4.755.60 a year!  Realistically, you aren't likely to get a full year's worth at the 2.25% cashback and even the 1.5% may disappear at some point, but I will enjoy it until it goes away.

My Ideal Wallet - Q1 2015

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site: Credit Sesame

These are the Credit and Debit cards that will either be in my wallet from January 1st until the end of March 2015


Make sure to sign up for Credit Sesame and/or Credit Karma to monitor any changes in your credit history for free (I have both).

• American Express Blue Preferred – 6% cash-back at groceries (up to 6k a year), 3% at gas and 1% everywhere else.  There is a $75 annual fee so it is only for those who spend a lot of money on groceries or for those who have a close Supermarket that sells $500 Visa Gift Cards.
• $150 sign up bonus for spending $1,000 in the first 3 months - email me for a referral, public link is for $100 only.
• You get 6% on gift cards you buy at the grocery store as well.
• Not as important this quarter because of Chase Freedom.

• Chase Freedom – 5% cash-back at grocery stores, movie theaters and Starbucks. 
• $75 maximum cash back per quarter.  You need to activate the 5%.
• Chase Freedom 2015 5% categories
• $100 sign up bonus for spending $500 in 90 days, you will get another $25 bonus if you add an authorized user who makes one purchase in the first 90 days.

• Discover it® - 5% cash-back on Gas and Ground Transportation.
• 5% cashback for Discover is actually more than 5%
• Must be activated before purchase to qualify for cashback bonus
• Most 7-11 Stores are considered Gas Stations and sell $500 Vanilla One Visa Gift Cards and Paypal Reload Cards.  Your particular cashier/manager may not allow for credit cards to be used for the purchase.

• Citi Dividend - 5% cashback on Macy's and other Home Furnishing stores.
• Up to $6,000 of purchases a year instead of $1,500 a quarter (up to $300 cashback for the year).
• Unfortunately, unlike last year, pharmacies are not a category at any point.  I likely won't use this card much until July when Airlines are one of the categories.

• Chase Ink Classic (Business Card) - 5% cashback at Office Supply Stores, Cable, Phone (Landline or cell) and Internet bills.
• 20,000 Ultimate Rewards for spending $3,000 in 3 months.
• No annual Fee

• Bank of America Better Balance Rewards - $25 back for every quarter that you pay your full bill or more than the minimum balance in every month.  Another $5 if you have a Bank of America Checking account.
• Best Usage - Set up a monthly bill on this card and auto pay the full balance. You never have to think about it and then every three months you will get $30.
• You can try to get multiple of these cards as well.

• Bank of America Cash Rewards - 3.3% on Gas into a Bank of America Checking account - 5.25% on gas if you have preferred rewards

• Fidelity American Express Investment Rewards – 2% cash-back everywhere else.
•  This card is always in my wallet

• Charles Schwab Check Card – Unlimited Free ATMs Withdrawals at every ATM in the world
• This card is always in my wallet

American Express Gift Cards - 2.25% from Top Cashback - Today Only!

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site: Top Cashback


This deal happened about a week ago and it is back. Hopefully it becomes a weekly trend!

Until the rest of 12/31, Top Cashback is offering 2.25% cashback for buying American Express Gift Cards. This is a very good sign considering there was a time when American Express Gift Cards disappeared from all the shopping portals.


American Express Gift Cards have long been one of my best buds in the manufactured spending world. Unfortunately, with the demise of Amazon Payments, they are far less useful, but they still can have their uses.

What Can I Do With This Deal?

The maximum you can buy per person is $10,000 per 15 business days (this is new). If you purchase more than $5,000, your shipment will require a signature upon arrival. If you bought $10,000 last week, you are out of luck for this week. 2.25% is $225 cashback from Top Cashback. Purchase fees and shipping fees come out to $24.75.

Before I get into any heavy math, I will give you a preview of what you will get:

1. 4.2% cashback everywhere or $135.50 with a Fidelity American Express.
2. Meet a spending threshold and make $35 on a 1% cashback card
3. "Buy" your favorite miles for under a penny per point.

1) Fidelity American Express

• 2% cashback everywhere. For a $10,024.75 order, this comes out to $200.50 from Fidelity and $225 from Top Cashback. After fees, this comes out to about $425.50, which is 4.2% cashback to spend anywhere. Not too shabby!

2) Meet a Spending Threshold

• Recently signed up for a credit card and need to spend money to get the bonus? Me too! You can buy these gift cards to put money on your credit card now and use these gift cards over time.
• Assuming your credit card gets 1% cashback on every purchase, you will get $100 cashback from your credit card and $225 from Top Cashback for a total of $325 after fees or 3.2% cashback while meeting a spending threshold at the same time.

3) Buy Miles Cheaply

• You can take this as an opportunity to buy 10,000 miles on your favorite credit card for a very cheap price. You would want to cash out the gift cards to make it worthwhile. That comes next.

Using American Express Gift Cards

What should you do with these gift cards once you buy them?

1. Spend them like an American Express credit card. You can buy three $3,000 gift cards and one $1,000 card. I recommend not using them on any purchase that you might want to return so that you don't have to keep track of them later.
2. Cash out. I don't know of any way to do this cheaply. You can use Google Wallet to send money to a friend (read: my wife) who can then withdraw to a bank account. This costs a whopping 2.9% or $290. You will keep about $9,710 of the $10,000.

• With Fidelity American Express you will end up keeping about $135.50 for about half an hour of work.
• If you are meeting a spending threshold on a 1% card, you will be $35 ahead and still be $10,000 closer to your target
• If you are buying miles, you will be getting 10,000 miles at a fee of $0.0065 per mile.
• You are "buying" 10,000 miles for $65 after fees

No promo codes! Your cashback from Top Cashback will be invalidated.

American Express Gift Cards - 2.25% Cashback from Top Cashback - Today Only!

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site: Top Cashback


This deal happened about a week ago and it is back.  Hopefully it becomes a weekly trend!

Until the rest of 12/11, Top Cashback is offering 2.25% cashback for buying American Express Gift Cards. This is a very good sign considering there was a time when American Express Gift Cards disappeared from all the shopping portals.


American Express Gift Cards have long been one of my best buds in the manufactured spending world. Unfortunately, with the demise of Amazon Payments, they are far less useful, but they still can have their uses.

What Can I Do With This Deal?

The maximum you can buy per person is $10,000 per 15 business days (this is new). If you purchase more than $5,000, your shipment will require a signature upon arrival.  If you bought $10,000 last week, you are out of luck for this week.  2.25% is $225 cashback from Top Cashback. Purchase fees and shipping fees come out to $24.75.

Before I get into any heavy math, I will give you a preview of what you will get:

1. 4.2% cashback everywhere or $135.50 with a Fidelity American Express.
2. Meet a spending threshold and make $35 on a 1% cashback card
3. "Buy" your favorite miles for under a penny per point.

1) Fidelity American Express

• 2% cashback everywhere. For a $10,024.75 order, this comes out to $200.50 from Fidelity and $225 from Top Cashback. After fees, this comes out to about $425.50, which is 4.2% cashback to spend anywhere. Not too shabby!

2) Meet a Spending Threshold

• Recently signed up for a credit card and need to spend money to get the bonus? Me too! You can buy these gift cards to put money on your credit card now and use these gift cards over time.
• Assuming your credit card gets 1% cashback on every purchase, you will get $100 cashback from your credit card and $225 from Top Cashback for a total of $325 after fees or 3.2% cashback while meeting a spending threshold at the same time.

3) Buy Miles Cheaply

• You can take this as an opportunity to buy 10,000 miles on your favorite credit card for a very cheap price. You would want to cash out the gift cards to make it worthwhile. That comes next.

Using American Express Gift Cards

What should you do with these gift cards once you buy them?

1. Spend them like an American Express credit card. You can buy three $3,000 gift cards and one $1,000 card. I recommend not using them on any purchase that you might want to return so that you don't have to keep track of them later.
2. Cash out. I don't know of any way to do this cheaply. You can use Google Wallet to send money to a friend (read: my wife) who can then withdraw to a bank account. This costs a whopping 2.9% or $290. You will keep about $9,710 of the $10,000.

• With Fidelity American Express you will end up keeping about $135.50 for about half an hour of work.
• If you are meeting a spending threshold on a 1% card, you will be $35 ahead and still be $10,000 closer to your target
• If you are buying miles, you will be getting 10,000 miles at a fee of $0.0065 per mile.
• You are "buying" 10,000 miles for $65 after fees

No promo codes! Your cashback from Top Cashback will be invalidated.

$50 Signup Bonus for Fidelity American Expre

$50 Sign Up Bonus available for Fidelity American Express.


Fidelity American Express is one of my favorite credit cards to use.  It is the Sarah Plain and Tall of credit cards so  it doesn't get as much attention as it deserves. There is usually no sign up bonus, but it's my trusty old card that's always in my wallet.  In fact, when I am asked what is the one card I should get, I will usually tell people to get this card and have a Visa as a backup for when American Express isn't accepted.  




There are no rotating bonus categories or any special purchases.  The reward is 2 points for every dollar you spend.  When you redeem your points into a Fidelity Account 5,000 points will equal $50 so it is a true 2% cashback credit card.  Every purchase gets two points and there are no limits to how many points you can earn.


Right now, you can get a $50 sign up bonus if you spend $500 in the first 60 days.  If you have been thinking about this card, now is the time to get it.


Sign up for a Fidelity account (free with no account minimums) and then sign up for the Fidelity American Express and get yourself a great card with a sign up bonus.


HT - Points Centric

Loading Serve with Fidelity American Express - Still No Cash Advance Fees

Recently, many credit cards have coding loads to Serve as Cash Advances, which carries a fee and makes it not worthwhile.


I have always used my Fidelity American Express (2% cashback everywhere) to load to Serve for myself and family members and I am relieved to report that loads are working as normal.

Serve allows for $1,000 a month of free credit card loads ($1,500 if you link Serve to Softcard) so if you use your Fidelity AMEX you will get a free $20-30 per month with no fees.

Hurry, Tonight Only - American Express Gift Cards - 4% Cashback Everywhere or Easy Manufactured Spending Opportunity

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site: Top Cashback 

Update 10/23/2014 - Cashback is back down to 1.5% and my cashback is already pending in my Top Cashback account.


Until the rest of 10/22, Top Cashback is offering 2.25% cashback for buying American Express Gift Cards.  This is a very good sign considering there was a time when American Express Gift Cards disappeared from all the shopping portals.


American Express Gift Cards have long been one of my best buds in the manufactured spending world.  Unfortunately, with the demise of Amazon Payments, they are far less useful, but they still can have their uses.

Why Can I Do With This Deal?

The maximum you can buy per person is $5,000 per 15 business days.  2.25% is $112.50 cashback from Top Cashback.  Purchase fees and shipping fees come out to $16.85.

Before I get into any heavy math, I will give you a preview of what you will get:

1. 3.9% cashback everywhere or $55 with a Fidelity American Express.
2. Meet a spending threshold and break even on a 1% cashback card
3. "Buy" your favorite miles for under a penny per point.

1) Fidelity American Express

• 2% cashback everywhere.  For a $5,016.85 order, this comes out to  $100.33 from Fidelity and $112.50 from Top Cashback.   After fees, this comes out to about $196, which is 3.9% cashback to spend anywhere.  Not too shabby!

2) Meet a Spending Threshold 

• Recently signed up for a credit card and need to spend money to get the bonus (I'm giving you the stink-eye JF)?  Me too!  You can buy these gift cards to put money on your credit card now and use these gift cards over time.
• Assuming your credit card gets 1% cashback on every purchase, you will get $50 cashback from your credit card and $112.50 from Top Cashback for a total of $145.65 after fees or 2.9% cashback while meeting a spending threshold at the same time.

3) Buy Miles Cheaply

• You can take this as an opportunity to buy 5,000 miles on your favorite credit card for a very cheap price.  You would want to cash out the gift cards to make it worthwhile.  That comes next.

Using American Express Gift Cards

What should you do with these gift cards once you buy them?

1. Spend them like an American Express credit card.  You can buy one $3,000 and one $2,000 card so it isn't too much of a hassle.  I recommend not using them on any purchase that you might want to return.
2. Cash out.  I don't know of any way to do this cheaply.  You can use Google Wallet to send money to a friend (read: my wife) who can then withdraw to a bank account.  This costs a whopping 2.9% or $140.  You will keep about $4,860 of the $5,000.

• With Fidelity American Express you will end up keeping about $55 for about half an hour of work.
• If you are meeting a spending threshold, you will just about break even and still be $5,000 closer to your target
• If you are buying miles, you will be getting 5,000 miles at a fee of $0.0088 per mile.  
• You are "buying" 5000 miles for $44 after fees

No promo codes!  Your cashback from Top Cashback will be invalidated.

13.5% off Dunkin' Donuts Gift Cards from Raise - Today Only

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site:  Raise and Top Cashback

Raise.com sells gift cards to retailers at a discount.  They run almost weekly weekend sales where you can get an extra 5% off on top of the regular prices on select gift cards.  I usually don't pay attention to them because they are companies that Raise is trying to reduce inventory on so they aren't usually exciting.

Keep in mind that the base price for the gift changes with inventory so I will list its current price, but it might not be the same if you try to buy it


Click this link for the current discount rates of all the gift cards on sale

Don't have a Raise account?  Sign up free

Here is how to save 14% off of Dunkin' Donuts Gift Cards from Raise:

• 5% 
• Dunkin' Donuts gift cards are currently 5.1% off at raise without any discounts.
• $47.45 for a $50 gift card
• 5%
• Use TAKE5 and you will save another 5%
• $45.08 for a $50 gift card
• 2%
• Start your purchase from Top Cashback and get an extra 2% cash back
• $44.18 for a $50 gift card
• 2%
• Use your Fidelity American Express to get 2% cashback on every purchase.
• $43.28 for a $50 gift card

When you count all of the discounts and cashback, you end up saving 13.5%.  Not too shabby!

In related news, it seems that Raise is now allowing for American Express payments.  Nice!

American Express Gift Cards 4.66% Everywhere!

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site: Top Cashback




For the next 6 days, Top Cashback is offering 3% cashback when you purchase American Express Gift Cards.


If you use your American Express Fidelity to pay, you will get 4.66% cashback on a $5,000 purchase of gift cards after all fees.  That is pretty good.

I use AMEX Gift Cards for my everyday spending, unless I can get more than 4.66% cashback.



American Express is no longer fulfilling portal payouts when coupon codes are used, as has been publicized in the Blogosphere by Frequent Miler and Doctor of Credit, among others.  However, when you don't use a promo code you will still get your cashback (confirmed myself).


Promo codes were great to take off the purchase fees or the shipping fees.  Since you can buy $5,000 worth of American Express gift cards with just $8 in purchase fees and $9 in shipping fees, your total fees will come out to 0.34% of the total purchase price.  While this is tragic, it is certainly not devastating and doesn't change my plans, American Express is just giving me as little less money than usual.  I'm crying inside.


Remember that if you signed for a free shipping plan ($99 a year), the free shipping will not void your cashback.

American Express Gift Cards - 3.5% from Big Crumbs

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site: Top Cashback

Update 5/6/2014:  Cashback is down to 2.45% on Big Crumbs and 2% on Top Cashback

Big Crumbs has increased the payout rate for American Express gift cards to 3.5%.


If you use your American Express Fidelity to pay and promo code FPMOM (promo code works until 5/15), you will get 5.3% cashback on a $5,000 purchase of gift cards.

If you want more info, you can see my other post where Top Cashback is offering 3% (today is the last day for that).  In addition, you can get up to 6.4% back using the Barclays Arrival Card.

American Express Gift Cards - 3% Cashback from Top Cashback

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site: Top Cashback 

Update: Coupon code MOMCNL will remove purchase fees until 5/31/2014.  Shipping fees still apply.

American Express Business Gift Cards can now be bought without any purchase fees.  Purchase fees are only $8.95 for $5,000 of gift cards if you buy one $3,000 gift card and one $2,000 gift card.  You need to use promo code HEARTCC1.

The fees equal .18% of the total.

For this reason, American Express Gift Cards are fast becoming one of my favorite ways of manufactured spend.  There is almost no alternative that is this easy and costs this little.

In addition, Top Cashback will give you 3% back for buying the gift cards if you start there first.  

Here is the math for what this deal can do for you:

Scenario 1: Fidelity American Express (2% back on every purchase).

Let's say you max it out at $5000 in gift cards.  Your total charges will come to $5008.95.

- $150 will come to you from Top Cashback

- $100 will come to you from Fidelity American Express

- $8.95 fee for buying the cards

Bottom Line - $241.05 net after fees or 4.82% on your purchases with the gift cards.  Not too shabby!

Scenario 2: American Express Starwoods (Let's say you're a miles man)

Same thing: Max out at $5000.  Total charge is $5008.95

- $150 will come to you from Top Cashback

- 5,009 starpoints from American Express Starwoods

- $8.95 fee for buying the cards

Bottom Line - $141.05 net after fees + 5009 starpoints  If you do this 4 times you will have $560 and 20,000 starpoints which can be redeemed for 25,000 miles on many airlines.

More advanced tools so that you don't have to actually spend the money (manufactured spending):
Amazon Payments - You can send up to $1,000 a month to a friend with a credit card, including American Express gift cards.
Buy Vanilla Reloads/Visa Gift Cards - You should be able to use these cards to buy Visa gift cards which can be loaded onto Bluebird at Walmart.  Add 1% in fees for this option.
Google Wallet - if you have a Google Wallet account, you can send money via email with a credit card to anyone and that person can withdraw to a checking account.  The problem is that the fee is a whopping 2.9%, which negates most of your cashback.
That being said, you will still net over $100 with the Fidelity American Express without having to spend any money.  With a points card, you end up getting 5,000 points for just about nothing.

Warning! Don't use a Citibank Credit card as they may code it as a Cash Advance so you will get a fee and no points.  American Express and Chase cards are safe.  

$75 Bonus for Fidelity American Express

Fidelity American Express is one of my favorite credit cards to use.  It's kind of a boring card so it doesn't get as much attention as it deserves.  In addition, there is usually sign up bonus so I don't talk about it too much, but it's my trusty old card that's always in my wallet.  In fact, when I am asked what is the one card I should get, I will usually tell people to get this card and have a Visa as a backup for when American Express isn't accepted.  There are exceptions, of course, but it shows you how much I like this card.


There are no rotating bonus categories or any special purchases.  The reward is 2 points for every dollar you spend.  When you redeem your points into a Fidelity Account 5,000 points will equal $50 so it is a true 2% cashback credit card.  Every purchase gets two points and there are no limits to how many points you can earn.


Right now, you can get a $75 sign up bonus if you spend $500 in the first 60 days.  If you have been thinking about this card, now is the time to get it.


Sign up for a Fidelity account (free with no account minimums) and then sign up for the Fidelity American Express and get yourself a great card with a sign up bonus.

My Ideal Wallet Q1 2014

Related Links

Best Credit Cards

Credit Card Sign Up Offers

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site: Credit Sesame
Disclaimer - The Discover offers are no longer valid.

These are the Credit and Debit cards that will either be in my wallet (assuming my wallet was the size of George's) from now until the end of March 2014


Make sure to sign up for Credit Sesame and/or Credit Karma to monitor any changes in your credit history for free (I have both).

• American Express Blue Preferred – 6% cash-back at groceries (up to 6k a year), 3% at gas and 1% everywhere else.  There is a $75 annual fee so it is only for those who spend a lot of money on groceries.
• $150 sign up bonus for spending $1,000 in the first 3 months
• You get 6% on a gift cards you buy at the grocery store as well.
• You also get one year free membership to Amazon prime if you have signed up for the card in the last 3 months

• Citi Dividend - 5% cashback at Drug Stores, Macy's and Fitness Clubs.
• Up to $6,000 of purchases a year instead of $1,500 a quarter (up to $300 cashback for the year).  
• $100 sign up bonus for spending $500 in 90 days.
• Lots of Free Money potential here

• Chase Freedom – 5% cash-back at Gas, Starbucks and Movie Theaters.  
• $75 maximum cash back per quarter.  You need to activate the 5%.
• Chase Freedom 2014 5% categories
• $200 sign up bonus for spending $500 in 90 days
• Most 7-11 Stores are considered Gas Stations and sell $500 Vanilla One Visa Gift Cards.  They sell Vanilla Reloads too, but the register is hard coded to only allow cash purchases for that.

• Discover it™ - 5% cash-back on Restaurants and Movies.  Meh, unimpressed by this quarter (ie - no way I can figure out to buy Vanilla reloads or Visa gift cards at 5% cashback). $75 maximum cash back per quarter.
• 5% cashback for Discover is actually more than 5%
• Activation and 2014 Calender is here
• $150 Sign up Bonus for spending $750 in three months.

• Chase Ink Classic (Business Card) - 5% cashback at Office Supply Stores, Cable, Phone (Landline or cell) and Internet bills.
• 20,000 Ultimate Rewards for spending $3,000 in 3 months.
• No annual Fee

• Bank of America Better Balance Rewards - $25 back for every quarter that you pay your full bill or more than the minimum balance in every month.  Another $5 if you have a Bank of America Checking account.
• Best Usage - Set up a monthly bill on this card and auto pay the full balance. You never have to think about it and then every three months you will get $30.

• Bank of America Cash Rewards - 3.3% on Gas into a Bank of America Checking account - 4.5% if you have a Bank of America Privileges Card.
• Normally in my wallet for gas, but I will use Chase Freedom for 3 months.

• Fidelity American Express Investment Rewards – 2% cash-back everywhere else.
•  This card is always in my wallet

• Charles Schwab Check Card – Unlimited Free ATMs Withdrawals at every ATM in the world
• This card is always in my wallet