Credit Cards for Your Wallet Quarter 4 2012

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Sign up for Discover and Chase Freedom 5% Categories

Disclaimer - The Discover offers are no longer valid.

These are the Credit and Debit cards that should be in your wallet from October through the end of December.  

American Express Blue Preferred – 6% cash-back at groceries, 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

Discover it™- 5% cash-back on online purchases and department stores.
   - 5% cashback is actually more than 5%

Chase Freedom – 5% cash-back on airlines, hotels, Best Buy and Kohls and I use it for 1% cash-back backup everywhere else when American Express is not accepted. You get extra cash-back on up to $1,500 of spending in that category ($75 maximum per quarter) so keep that in mind.

    -$100 sign up bonus for spending $500 in 90 days
    - Save even more with Chase Exclusives (You need a Chase Checking Account)
         - 10% bonus on all cashback and get 10 cents for every purchase, even if the              purchase is one penny - my go to credit card for any purchase less than $10.00

Fidelity American Express Investment Rewards – 2% cash-back everywhere else.

   - This card is always in my wallet, though I have been using it less because there are great credit card sign up offers that I have been spending money with.

Charles Schwab Check Card – Unlimited Free ATMs Withdrawals at every ATM in the world

   - This card is always in my wallet

$400 Credit Card Sign Up Bonus - NFL Extra Points Credit Card

$400 Credit Card Sign Up Bonus - NFL Extra Points Credit Card

Edit: The deal is gone.  Congratulations to all those who were able to sign up for it!

Sign up for the NFL Extra Points Credit Card and you will get a sign up bonus of $400 after you spend $1000 !

Unfortunately, there are restrictions in how you can use redeem the $400, but we can work with them ;)

Here are the redemption options from the site:

Redemption Options: Cardmembers may redeem Points for a variety of rewards including NFL gift cards, certain NFL merchandise, NFL collectibles, NFL based experiences, and cash back via a statement credit towards any purchase transactions of $25 or more that posted to your account within the last 90 days. Statement credit redemption amount cannot exceed the amount of the qualifying purchase transaction

This means that you can either use the money NFL merchandise or, more realistically, you can spend $25 or more 16 ($25 X 16 = $400) times and use the $400 to pay for that.

Worst case scenario, you can buy 16 $25 gift cards to somewhere you go all the time (like the grocery store) and you have $400 for free!

If you buy one thing for $400 after the bonus posts to your account (30 days after you spend the $1000), that should work too.

Amazon MP3 and Facebook - $.05 Download

Amazon MP3 and Facebook - $.05 Download 

Update: I just checked my bill and they didn't charge me anything!

All you have to do is share a song title on facebook and amazon will let you download your next mp3 download for $.05.  The song can have a maximum value of $1.29

I just downloaded Machnisai Rachamim by MBD for $.05!


You can download Jewish themed music like Miami Boys Choir, Mordechai Ben David, Moshav Band and many others

6 Free Redbox Promo Codes

6 Free Redbox Promo Codes!

All you have to do is take the FIOS challenge after they determine if your location is eligible for FIOS.  Answer three questions about why FIOS is better and then you will be emailed your free codes.  Takes about 3 minutes.

Asus 14" Laptop - $299 from Best Buy

Asus 14" Laptop - $299 from Best Buy - only available in Blue at this price

4GB Memory - 320GB Hard Drive

Weighs 4.1 lbs and is 1.3" thick.

Check out the rest of the specs at the site

Does not have a CD/DVD drive, but you can buy an external drive.


Start your purchase at from Ebates and get 1.0% cashback as well.  You will still get your normal cashback from your credit card as well. 

Don't have ebates?  Sign up here for free.  You also get a $10 gift card to Target, Barnes and Noble, Home Depot or Magazines.com after your first $25 purchase 


When you are buying a laptop, make sure to use an American Express credit card.  American Express will double your warranty up to a year past the manufacturers warranty for free and they will often take the computer back even if the merchant will not.

SaveUp.com - Get Rewarded for Saving

SaveUp - Get Rewarded for Saving

SaveUp.com  "rewards" you for saving money.  You get bonuses for putting money in checking account and paying down your debt.  The credits will update automatically.  When you have your bonuses you can use that to enter into raffles for good prizes, though the odds of winning are not great.  

You can enter up to 3 raffles a day by default, but you can buy more entries with the credits you earn.

If you are consistent with it, you will win something good eventually, but it might take some time.

It's a free program, give it a shot if you have some time.  You never know what might happen.  Just click on the banner to get started.

Zenni Optical - BOGO

Zenni Optical - Buy One Get One Free

Update - dead
Zenni Optical offers cheap (both in price and quality) glasses.  Until September 23rd, they are offering buy one get one free as long as you spend $12.95 on the first pair.

Start your purchase at from Ebates and get 4.0% cashback as well.  You will still get your normal cashback from your credit card as well. 

Don't have ebates?  Sign up here for free.  You also get a $10 gift card to Target, Barnes and Noble, Home Depot or Magazines.com after your first $25 purchase 

Chase Freedom, Discover More and Citi Dividend - Activate Your 5% Quarter 4 Categories

Activate your 5% Categories for Chase Freedom, Discover More and Citi Dividend

Disclaimer - The Discover offers are no longer valid.

These categories are from October 1st - December 31st and focus on holiday shopping

• Chase Freedom - 5% back on Airlines, Hotels, Best Buy and Kohl's.  Great for people who are going on interviews.
• Chase Exclusives -  with a Chase Checking Account, you will get an annual 10% bonus on all your points.  If you earned 10,000 points, you will get a 1,000 point bonus that year.
• Most important 5% card - if you only want one 5% card, get the Chase Freedom

• Discover it™  - 5% for online purchases and department stores.  Maximum of $75 cashback (spending $1,500 during the 3 months)
• Most important this quarter as I do a lot of shopping online.
• Important card to have, but secondary to Chase Freedom for those who don't like to have too many cards
• Citi Dividend - 5% for Electronic stores, Toy stores and Macy's
• I am not a big fan of this card.  Their 5% categories are usually inferior.  I have only added it because I was able to get a $200 sign up bonus after spending $500, which is the best sign up bonus for a card without an annual fee.  Even though it is clearly an outdated link (you can see the categories from January), I still got my $200 without having to call because the link still does work.

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Discover 5% is Really 6.25%!