Tag Archives: Amazon

New Chase Offers: Kimpton Hotels (20%), Audible (10%) & Kindle (20%)

Good morning everyone.  I just checked my Chase app and spotted a few new Chase Offers.  Check your Chase account to see if you had these offers or other new Chase Offers.  I found all these offers on my Chase Sapphire Reserve Credit Card (this is the Chase credit card that I use the most, so I tend to get the most offers on this credit card).

  • Kimpton Hotels: 20% cash back (minimum $100, max out with $600 purchase)
  • Audible: 10% cash back (max out with $20 purchase)
  • Kindle: 20% cash back (max out with $10 purchase) – same offer as Bank of America’s BankAmeriDeal

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Why Do We Keep 16 No Annual Fee Credit Cards?

Good afternoon everyone, I hope your weekend is off to a great start.  A few days ago, I wrote a post titled I Paid $4,588 in Credit Card Annual Fees in 2019 – Was it Worth it?  In that post, I shared the 21 credit cards that I plan on keeping and how I justify paying the annual fees on those credit cards.  I felt bad for the 16 no annual fee cards that Laura and I have and decided to write a post about them too.  Roughly half of the no annual fee credit cards were downgraded / converted from a credit card with an annual fee.  Besides the rewards that some of the no annual fee credit cards provide, keeping no annual fee credit cards open long term is good for your credit score.  It improves the length of credit history (average age of accounts), which represents 15% of your total credit score.  It also helps with the amounts owed (your credit utilization ratio), which represents 30% of your total credit score.  Lastly, it helps with payment history (paying your credit card bills on time), which represents 35% of your total credit score.  For more info, check out this Doctor of Credit page.

Image source: https://www.kiplinger.com/article/credit/T017-C000-S002-how-your-credit-score-is-calculated.html

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Drop App Devaluation: Changes to Gift Card Redemptions (Must Shop through App)

Updated at 2:10pm PT on 11/14: After I made a $1 Groupon purchase through Drop, I earned Drop Points and unlocked the gift card redemptions.  Scroll to the bottom of the post for more info.


Good morning everyone.  I checked my Drop account yesterday and noticed a change to the Redeem Rewards screen.  Listed at the top of the screen is a message regarding $5-$25 gift cards.  I clicked on the message and learned that rewards between $2 and $25 are locked unless you make a purchase with the Drop app.  I currently only earn Drop points when I make purchases with my linked credit cards.  This is bad news for users who do not use the Drop app for shopping, but only for card linked purchases.

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How to Redeem City National Bank CNB Visa Infinite Points for Cash Back, Gift Cards & Merchandise

Good morning everyone.  After yesterday’s massive devaluation of the City National Bank CNB Crystal Visa Infinite Credit Card (Doctor of Credit and Frequent Miler), I started planning to close this credit card since my $400 annual fee is scheduled to be billed later this month.  But first, I had a few orphaned CNB Points that I wanted to redeem.  If you only have a few thousand CNB Points, there are not many good redemption offers, but I will show you what I saw and what I learned during this process.  To get started, sign into your CNB Rewards account or create an account.

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My Failed Experiment to Cut the Cable Cord (Comcast Xfinity vs. Sling TV, Hulu & CBS All Access)

Good morning everyone.  My wife and I have Comcast Xfinity internet and cable TV at home and I was considering cutting the cord to save money on our cable TV subscription.  I don’t really watch live TV (news or sports), but I do love watching recorded TV shows from our DVR (mostly reality TV and sitcoms).  I have the Comcast Xfinity Stream app on my iPhone and love that I can download any show from our DVR onto the app (also works great on our iPad).  I can watch TV shows on my commute to work (on the train and ferry) and when I travel on a plane.  Having the shows pre-downloaded vs. streaming to my iPhone is really important to me since I do not have unlimited 4G/5G data, WiFi on my commute and on planes is slow, and some spots have no cell or WiFi signal at all.

In my experiment, I tried to replace Comcast Xfinity cable TV with Sling TV, Hulu, and CBS All Access.  My experiment did not go as smoothly as I had hoped, but I will show you what I learned from these 3 streaming services and apps (and their shortcomings, from my perspective).

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