Tag Archives: Cash Back

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US Bank Business Triple Cash Rewards Credit Card: Earning Cash Back & Redeeming Rewards

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Good afternoon everyone, I hope your week is going well.  I wanted to share my experience with the US Bank Business Triple Cash Rewards Credit Card regarding earning the $750 sign up bonus and how I redeem the rewards.  If you currently have this credit card or have had this credit card in the past, please read to the end of the post to see how you can earn the sign up bonus again.  To get started, the US Bank Business Triple Cash Rewards Credit Card doesn’t get talked about much because there is no affiliate link, no referral link, and has no transferrable points, but it is a great option if you are looking for a juicy sign up bonus.  The current sign up bonus is $750 cash back after spending $6,000 in 6 months and has no annual fee, which is a 12.5% return on the first $6,000 spent.

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Easy $50 Retention Offer on Bank of America Business Credit Card

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Updated 3/19/25 at 4pm PT: I received the $50 check from Bank of America on March 19 and the check was made out to the name of the business.  See the photo at the bottom of this post.

Good afternoon everyone.  In 2022, I applied for the Bank of America Business Advantage Unlimited Cash Rewards Credit Card.  At the time, there was a $500 sign up bonus after spending $5,000 in 3 months.  Unfortunately, the current sign up bonus is only $300 after spending $3,000 in 3 months (link).  After receiving the bonus, I didn’t put any spend on the credit card since it only earns 1.5% cash back (I am using my US Bank Smartly Credit Card for 4% cash back everyone).

One of my unofficial New Year’s Resolutions is to reduce the number of credit cards I have (both with annual fees and without annual fees), so this credit card was on the chopping block.  I called Bank of America on March 7 and asked to close the card.  Without prompting, the rep said there were some retention offers available, including a $50 retention offer if I kept the credit card open.  Sure, let’s keep the credit card open and I will gladly accept the $50 retention offer.  There is no annual fee on the credit card and there was no spending requirement either.  It doesn’t get much easier than that!

A few days later, the $50 retention offer posted to my account.  Unfortunately, the retention offer posted in the Available Rewards section and not as a statement credit.  I will show you how to find it and how to redeem the rewards for a statement credit or for a check in the mail.

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Wells Fargo Updates: Fraud-Induced Electronic Fund Transfers, Declined Transfers & More (Effective May 22)

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Good afternoon from rainy San Francisco.  Yesterday, I received the following email from Wells Fargo.  My natural instinct is to delete this email and never give it a second thought, but I decided to click on the Summary of Changes link and see what Wells Fargo is up to.  Long story short, here are the main changes: fraudulently induced electronic fund transfers are not considered unauthorized; Wells Fargo may decline, delay, or reject transfers that appear irregular or suspicious; customers must activate their Paze wallet before use; and the Personalized Insights and Cash Flow Manager services have been discontinued.

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I Earned 15,000 Chase Ultimate Rewards by Paying Allstate Insurance with 2 Chase Freedom Credit Cards

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Good afternoon everyone, happy Friday!  I have 2 Chase Freedom Flex Credit Cards (the second was a downgrade from a Chase Sapphire Preferred Credit Card) and Laura has an older Chase Freedom Credit Card (Visa version). In case you missed the announcement, Chase Freedom celebrated it’s 15th birthday this year and to mark this special occasion, Chase added 2 more bonus categories in March: Tax Preparation and Insurance.  Tax prep and insurance are not the most exciting categories, but the timing couldn’t be better for us since we had $3,000 of car and home insurance payments to make this month.  Before I made the insurance payments, I made sure that our Chase Freedom cards were registered and that we still had $1,500 in spend to do on our cards.

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Keep, Cancel or Convert? Laura’s American Express Gold Card ($325 Annual Fee)

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Good afternoon everyone, I hope your week is going well.  A few days ago, I was reviewing our recent credit card statements and saw that the $325 annual fee posted to Laura’s American Express Gold Card.  We discussed the card benefits and decided it wasn’t worth prepaying $325 in order to jump through all of these hoops to earn back the $325 annual fee.  As a reminder, here are the coupons statement credits on this card:

  • $10 Uber / Uber Eats credit each month ($120 total)
  • $10 Grubhub credit each month ($120 total)
  • $7 Dunkin credit each month ($84 total)
  • $50 Resy credit every 6 months (launched in July 2024, so only $50 total in 2024)

Even though we did receive all of these credits in 2024, I would not value them close to $374.  In order to receive all of those credits, we had to jump through 37 hoops throughout the year.  We are still sitting on $28 of Dunkin credit (the nearest Dunkin in about 40 miles away) and we have a $50 restaurant gift card for a nearby Resy restaurant that we bought at the end of December.

Also, we were not using the card for 4x at restaurants and 4x on groceries.  I have plenty of AMEX MR Points, so we were using 2 Citi Custom Cash Credit Cards for 5x at restaurants and 5x on groceries.  Then in 2025, we switched to using the Chase Freedom Flex Credit Card for 5x on groceries ($1,500 quarterly max) and the Discover It Credit Card for 5x at restaurants ($1,500 quarterly max).

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In addition, we decided to transfer all 150,000 of Laura’s AMEX MR Points to her Hawaiian Airlines account, then she transferred them to my Hawaiian Airlines account and then I moved them to my Alaska Airlines account (read more about that process here).  The next step was to contact AMEX via Online Chat to close the card…

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