Category Archives: Credit Cards

Last Day to Register for FTU Virtual Seminar on Saturday, December 4 ($25) or Free with Online Annual Membership

Good morning everyone, happy Friday!  If you have no plans tomorrow (Saturday, December 4), I highly recommend attending the FTU Virtual Seminar (tickets available for $25) or free if you have the FTU Online Annual Membership.  The seminar starts on Saturday, December 4 at 8am PT / 11am ET.  I have attended all of the FTU Virtual Seminars over the last year and they are always well done, educational, and entertaining – and I am sure this seminar will be no exception!  Here is the schedule and lineup of speakers:

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Attend FTU Virtual Seminar on Saturday, December 4 ($25) or Free with Online Annual Membership

Good morning everyone, I hope you all had a great Thanksgiving.  If you have no plans this Saturday (December 4), I highly recommend attending the FTU Virtual Seminar (tickets available for $25) or free if you have the FTU Online Annual Membership.  The seminar starts on Saturday, December 4 at 8am PT / 11am ET.  I have attended all of the FTU Virtual Seminars over the last year and they are always well done, educational, and entertaining – and I am sure this seminar will be no exception!  Here is the schedule and lineup of speakers:

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Targeted Referral Offer for Discover It: $100 Sign Up Bonus & $100 Referral Bonus ($500 Referral Max)

Good afternoon everyone.  This morning, I received an email from Discover regarding a targeted referral bonus on the Discover It Credit Card.  If you received this email, you can create a special referral link that has a $100 sign up bonus after first purchase and you will also receive a $100 referral bonus.  The standard offer is $50 for both the sign up bonus and referral bonus, so this is an increased offer that is good through December 31, 2021.  The subject line is “Special offer: $100 for you, share Discover with a friend.”  If you didn’t receive the email, you can see if you are targeted by signing in here and going to the referral page.

Here are the terms and conditions from the bottom of the email.  You can earn a maximum of $500 in referral rewards.

1. You will receive a $100 statement credit referral reward if your friend applies for the specific offer you send via the link provided and is approved now through December 31, 2021. During the offer period you may earn a maximum of $500 in referral rewards. You are not eligible to refer a friend if you have a Discover it® Secured Credit Card, or Discover it® Business Card. Your account must be in good standing to receive your referral reward. Each eligible friend will receive a $100 statement credit after making a purchase that posts to their account within three months of opening a new Discover account. Existing Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals. You will not be notified whether a specific referral was approved or declined. Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. Statement Credits you receive may be taxable to you. Please contact your tax advisor. Offer may not be combined with any other introductory offer.

If you are targeted for the $100 sign up bonus and referral bonus offer, you will see the message that says “Refer a friend and get a $100 statement.”  You can copy your unique referral link or send an email from that page.

When your referee clicks the link, they will see the message at the top of the application that shows the $100 sign up bonus after first purchase.

If you are not eligible for the increased referral offer, you will see the standard $50 refer a friend offer.  I have 2 Discover It Credit Cards and one has the $50 offer and the other has the $100 offer.  The links are unique.

If you are interested in this credit card, here is my referral link that has the $100 sign up bonus after first purchase.  I think I can refer more than 5 people, but I will only earn the $100 referral bonus on the first 5 approvals (due to the $500 referral maximum).  If you have any questions, please leave a comment below.  If you are targeted for this offer, please feel free to post your referral link in the comments section too.  Have a great day everyone!

Real-Time Rewards Not Working on my US Bank Business Triple Cash Rewards Credit Card

Good afternoon everyone, I hope you had a great weekend.  This post will probably not help most people, but if you have the US Bank Business Triple Cash Rewards Credit Card, like I do, you might appreciate this post.  Long story short, I earned the $500 Cash Rewards sign up bonus and wanted to redeem the sign up bonus.  I am a big fan of Real-Time Rewards and have used it many times with my US Bank Altitude Reserve Credit Card.  In the US Bank Rewards Portal, I enrolled in the Real-Time Rewards program, selected the $25 minimum purchase amount and checked the box to enroll all categories.

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My 4 Night IHG Award Reservation Dropped from 90K to 76K to 48K Points Total

Good afternoon everyone, I hope your weekend is going well.  I had a great time attending yesterday’s FTU Virtual Seminar and I enjoyed chatting with other attendees at the virtual mixer.  Last week, I wrote PSA: Keep Checking IHG Award Prices for Price Drops, Then Rebook or use Free Night Certificates.  In that post, I showed you how I kept checking award prices of the Kimpton Muse Hotel in NYC and used an IHG Free Night Certificate once the price dropped to 40,000 IHG Points and below.  In today’s post, I will show you how I rebooked a 4 night award stay twice and saved 42,000 IHG Points.

Since I have the Chase IHG Rewards Premier Credit Card, I took advantage of the fourth night free benefit where the fourth night is completely free.  I have an upcoming Crowne Plaza Hotel stay that I originally booked on October 31 for 90,000 IHG Points total.  As you can see, the first 3 nights are 30,000 IHG Points per night and the fourth night is free.  90,000 IHG Points for a 4 night stay is an average of 22,500 IHG Points per night which seemed like a good deal to me.  Fortunately, the deal was about to get much better over the coming weeks.

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