Wells Fargo Credit Card - 5% cashback for 6 months at Drug Stores, Gas and Groceries

Wells Fargo Cash Back Credit Card

Wells Fargo is now offering a credit card that is almost too good to be true.  The credit card is called The Wells Fargo Cash Back Card.  Very clever name.

For 6 months, you get 5% cashback on any purchases at Drug Stores, Gas Stations and Groceries.  There is no annual fee to boot!  The 5% cashback can be used as a statement credit to pay your credit card bill.

I don't have this card yet and I won't be getting one until I'm ready for my next App-O-Rama, but I am super excited for the possibilities.

Why You Should Care

CVS is obviously considered a drug store and if your local CVS store is carrying plentiful Vanilla Reload cards, this is a great card for you.

In addition, some grocery stores carry $500 Visa Gift Cards, which will allow you to either get 4% cashback everywhere (1% fees associated with gift cards) or it can be put on Bluebird in order to rinse and repeat.

The Catch

1. 5% is only for 6 months, but who cares.  By that point, there will be 6 other ways to generate easy money that will have come and go.  This probably will not last very long itself because of people who will abuse it.
2. You need to be a Wells Fargo customer, unlike myself, to apply online.  Otherwise, you have to go into a physical branch to apply.

Are there limits?

In the first six months, theoretically, there are no limits to how much money you can get 5% cashback on. That being said, "Don't be an idiot."  This is the most important statement I ever make and I make it often.

If you spend $20,000 every month at CVS, which would net you about $800 on Bluebird (if you are able to liquidate that much), you will get shut down.  Their terms and conditions allow them to modify the offer at any point and confiscate any points for "abuse of program privileges".  They can only confiscate unused rewards so make sure to redeem every month.

How much is safe?  Anybody's guess.  I tend to stick to about $1,000-$2,000 a month on any one card for manufactured spend. There are lots of cards out there that can make you some extra money on the side so don't get too caught up on any one card.

Don't Give Up!

During my App-O-Rama, I applied for the Chase United Credit Card, among others.  I had previously gotten the sign up bonus for that card a couple years ago, but based on reports I had read on the internet I should not have trouble getting the bonus again.


I signed up for a 30,000 mile bonus.


Over the phone I confirmed with a rep that I would be getting the bonus.  Then I asked the rep about getting qualified for a 50,000 mile bonus with a $50 statement credit which I had already successfully gotten for my wife.


She said it wasn't her department, but Chase will contact me in 10 business days.


10 days later I got letter in the mail saying that I won't be getting any miles because I had previously gotten this bonus!  I was quite perturbed to say the least.




So, I sent a secure message to Chase without alluding to the letter I received.  Here is the message:

After I signed up for the United 30,000 mile sign up bonus 

I noticed that there was a 50,000 mile sign up bonus with  

a $50 statement credit. Can I please be matched to that  

offer? Thank you very much.

In a couple of days, I got the following message back from Chase:

Dear Oren, 

Thank you for contacting Chase regarding your United MileagePlus® credit card account. 

We are pleased to inform you that we have honored your request and issued a $50.00 statement credit and 20,000 additional miles. The credit and miles will be reflected on your next billing statement. 

If you have any further questions, please reply using the Secure Message Center. 
Thank you, 

Later that month, my $50 statement credit and miles posted to my United account and all was good in the world again.

Sunday - Free National Parks Day!

Enjoy free entrance at over 100 national parks tomorrow - Sunday.


Here is a full list of national parks that are free tomorrow.


Here are the parks in NY
Eleanor Roosevelt National Historic Site
Home of Franklin D. Roosevelt National Historic Site
Martin Van Buren National Historic Site
Sagamore Hill National Historic Site
Saratoga National Historical Park
Vanderbilt Mansion National Historic Site

Here are the parks in NJ
Thomas Edison National Historical ParkMorristown National Historical Park


HT - Points, Miles and Martinis

Pyrex 4 Pack 2.5 Qt Mixing Bowl - $5 at Walmart

Disclaimer - The Discover offers are no longer valid.

$5 for 4 Pyrex Mixing Bowls at Walmart.

Compare to $15 on Amazon for Pyrex Prepware 3-Piece Mixing Bowl Set, Clear


Free site to store shipping



Start your purchase from The Shop Discover Mall on your Discover It™ card and get 5% back as well as the regular 1% for every purchase!  

Don't have Discover it?  Apply Here


I don't use my Discover it much, but it is often for online shopping like this and their 5% rotating categories.  This picture is from my last statement which I got through buying gift cards at 7-11 (Gas Station).

Extreme Savings on Hospital Costs!

If you want tremendous savings on your Hospital or any medical bills, here is the secret:  Health Insurance.

Just kidding!

I want to welcome the newest member of the Money Saver Family:  Baby Boy Money Saver (Hopefully he'll learn some tricks over the years from his old Pa).

Mazal Tov and, thanks G-d, everyone is happy and healthy!

Posts should be light in the near future

Wahl Haircutting Kit - $10 from Walmart

Disclaimer - The Discover offers are no longer valid.

I haven't paid for a haircut in 4 years because my wife has been giving me a haircut with a similar device.  It saves a lot of money, but after a little practice it also saves a lot of time.

This WAHL haircutting kit is $11.


Start your purchase from The Shop Discover Mall on your Discover It™ card and get 5% back as well as the regular 1% for every purchase!  

Don't have Discover it?  Apply Here


I don't use my Discover it much, but it is often for online shopping like this and their 5% rotating categories.  This picture is from my last statement which I got through buying gift cards at 7-11 (Gas Station).

128GB USB Flashdrive $55 - Best Buy

Disclaimer: I receive a referral commission for the following link(s):  Top Cashback

Update: Price went back up to $150!

My general price target for a USB flash drive is $.50 or less per GB.  For example, you would want to pay $16 or less for 32GB of storage..  Also, as you get more storage, it is more difficult to find that price target. 

This USB fits the model.  128Gb for $55 is slightly less than $0.50 cents per GB and 128GB is very large for a USB flash drive.  





Sign up for Best Buy Rewards Zone and you will get a $5 Best Buy Gift Card for every $250 you spend at Best Buy (2%) in addition to all your other savings.  Reward zone gift cards can be redeemed for Amazon gift cards, which I consider the same as cash.


Start your purchase from Top Cashback and get 4% back as well!

Don't have Top Cashback?  Sign up here for free.   They usually have the best cashback percentages although it take a little longer to get your money.

Bank of America Privileges Credit Card - 4.5% Cashback at Gas Stations

There are two possible credit cards that I knew about that give good rewards for gas purchases (not including rotating 5% categories) and cary no annual fee:

• PenFed Platinum Cash Rewards Visa - 5% Cashback at gas stations
• There was a recent devaluation of their points so that their true value is about 4.2%.  You can read about it on FatWallet.
• Bank of America Cash Rewards 3.3% Cashback at gas stations.
• 3% at gas stations, but you will get a 10% bonus on any rewards redeemed into a Bank of America checking account.

A reader, JF, pointed me to a credit card which I didn't know about that is even better for some people.

Introducing the Bank of America Privileges Card.  It is the same 3% back at gas stations, but instead of a 10% bonus into a Bank of America checking account, you will get a 50% bonus!  That is effectively getting 4.5% cashback on gas purchases!

A few things to note:

• Annual Fee 
• The card is open to all, but unless you have $50,000 with Bank of America or its Affiliates (includes Merrill Lynch), there is a $75 annual fee the second year.  The annual fee is waived every year if you have $50,000 with them.
• I would not get the card unless you already have $50,000 with Bank of America that you aren't planning on moving.  The extra 1.5% is not worth the $75 annual fee.
• Your base rate of 3% doesn't change, all the changes is your bonus.  Therefore, any rewards you have built up before you switch to the privileges card should be redeemed at the higher 4.5% rate.
• If you already have a Bank of America Cash Rewards card you can call up and have your card automatically switched into a Bank of America Privileges card.