Tag Archives: Cash Back

New AMEX Offer for Etsy: $15 Off $50 (Expires 9/30)

Good morning everyone.  I was just looking through my AMEX Offers and spotted an offer for Etsy.  You can get a $15 statement credit after spending $50 online.  I have never bought anything from Etsy, but I know they have some pretty cool stuff.  This offer was on every single one of my cards (except for the AMEX Blue Business Plus Credit Card, which never seems to have any AMEX Offers).

If you are an Etsy expert, tell me what items I should buy.  Does anyone sell on Etsy?  If you have any questions, please leave a comment below.  Have a great day everyone!

Send Money to Friends (or Other Bank Accounts) Instantly with Zelle (Formerly Chase QuickPay / clearXchange)

Good morning everyone, I hope your week is off to a great start.  Over the weekend, I had some free time on my hands, so I experimented with Zelle, the rebranded Chase QuickPay / clearXchange money transfer service being used by all the big banks.  Enrolling in Zelle is really easy and the feature is built into most bank apps.  In my 2 tests, I transfered $5 from my Chase checking account to my US Bank checking account, and then I decided to send $1 from my US Bank checking account back to my Chase checking account.  I did everything with the help of the Chase and US Bank iPhone apps.  Here are instructions for sending money from one account to another, or from one person to another with Zelle.  If you have Zelle with a different bank than Chase or US Bank, the process should be almost identical.

With Zelle, you have to have to enroll/link a phone number or email address.  Only one phone number or email address can be used per Zelle account.  I decided to use my email address with Chase and my phone number with US Bank.  I signed into my US Bank app, clicked the menu icon in the upper left corner, clicked Send Money, and clicked Receive with Zelle.  I made sure my phone number was listed and my US Bank checking account was linked.

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Wells Fargo Propel World AMEX Sign Up Bonus Posts Slowly

Good morning everyone, I hope you all had a great weekend.  In March, I wrote a blog post where I contemplated applying for 10 credit cards during my March App-O-Rama.  In April, I shared the results of my App-O-Rama. And then in May, I wrote My March App-O-Rama Credit Card Sign Up Bonuses Post.  One noticeable exception to that last post was the 40,000 Go Far Rewards Points sign up bonus for my Wells Fargo Propel World American Express Credit Card.  I patiently waited for the sign up bonus to post, but it seemed like the points got lost (insert bad joke that Wells Fargo is still using horse-drawn stagecoaches to deliver sign up bonuses and maybe a bank robber intercepted my points).

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Ebates Flash Cash Back Day: 200+ Stores Offering Extra Cash Back

Good evening everyone, I was just about to go to bed when I saw an email from Ebates regarding Flash Cash Back Day.  Flash Cash Back Day was created to compete against Amazon Prime Day which begins at 6pm PT on July 10.  During Ebates’ Flash Cash Back Day, you can earn extra cash back (somewhere between 2x and 5x the standard cash back rate) at 200+ stores.  You can see all participating stores here. If you are not a member of Ebates, you can sign up for a free account (my referral link) and earn a $10 cash bonus after you make a $25 purchase.

If you have any questions, please leave a comment below.  Happy shopping everyone!

Visa Supplier Locator Can Find Hidden “5x Cash Back Restaurants”

Good morning everyone, happy Thursday and happy Q3!  Since the Chase Freedom Credit Card and Discover It Credit Card both offer 5% cash back (or 5x Chase Ultimate Reward Points) for restaurants this quarter (July 1 – September 30), I thought it would be fun to see if there were any merchants that coded as restaurants, but might have an MS angle too.  I first wrote about the Visa Supplier Locator website in December 2013 (How are Merchants Classified? Use the Visa Supplier Locator to Find Out!).  Luckily, not much has changed on the website during the last 3.5 years, so that post is still relevant.

Let me step back a minute and explain what the Visa Supplier Locator is and does.  Every merchant has 1 or more MCC (merchant categorization codes) that tells the credit card company what type of merchant they are (grocery store, restaurant, charity, hotel, etc.).  Without the MCC, it would be impossible to categorize transactions and award bonus points based on certain categories.  The Visa Supplier Locator allows you to search for merchants that use a certain MCC or determine what MCC a merchant uses.

In my 5% cash back restaurant example, I wanted to see which merchants have restaurant MCCs.  Some of the merchants might surprise you.  On the Visa Supplier Locator website, I selected  “RESTAURANTS / BARS – 5812” and “RESTAURANTS / BARS – 5814” from the MCC dropdown menu.  Then I entered my zip code, proved I wasn’t a robot, and clicked the Search button.  I ran multiple searches with different zip codes because each results page only showed 50 merchants.

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