Tag Archives: Cash Back

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Register for FTU Virtual Seminar on Saturday, September 17 ($25) or Free with Online Annual Membership

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Good afternoon everyone, I hope you had a great weekend.  If you are not busy this Saturday, September 17, 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, September 17, at 8am PT / 11am ET.  I have attended all of the FTU Virtual Seminars over the last 2 years and they are always well done, educational, and entertaining – and I am sure this seminar will be no exception!  Click here to view the complete 3-4 hour schedule and lineup of speakers.

If you register for the seminar, but are unable to watch the live stream, you can access the recording of the seminar and watch later on.  This is also a great way to re-watch your favorite presentations and catch any details that you originally missed.

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Product Change US Bank Credit Card to Redeem Rewards Below Minimum Redemption Threshold (Altitude Go to Cash Plus)

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Good afternoon everyone, happy Labor Day Weekend!  This post may not be very exciting, but the principles behind this post are useful.  Let me explain…

When US Bank converted my US Bank Radisson Rewards Credit Card into the US Bank Altitude Go Credit Card, I used it for a few weeks before deciding that I wanted to product change to another US Bank Cash+ Credit Card (for the 5% cash back categories).  At the time, I had 31 points on my Altitude Go, so if I had decided to close my credit card instead, I would have lost those 31 points (worth 31 cents).  But instead, by product changing from one card to another, US Bank converted my unredeemed rewards into statement credit (31 points = 31 cents).

This is noteworthy because of the minimum redemption threshold normally required for the Altitude Go: “U.S. Bank points are worth a penny each when redeemed for options like cash back, travel, gift cards or merchandise, although minimum redemption requirements apply. (You need at least 2,500 points for cash back or gift cards; 1,000 points for travel or merchandise.)”  US Bank has a similar minimum redemption threshold on the Cash Plus that went into effect on June 1, 2021.

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American Express Removed $25 Minimum Redemption Amount for AMEX Old Blue Cash Credit Card (OBC) on July 14

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Good afternoon everyone, happy Friday!  In news that probably only matters to me, there is a positive change on the American Express Old Blue Cash Credit Card (OBC).  I was reviewing my recent credit card statement and saw that American Express removed the $25 minimum redemption amount, effective July 14, 2022.  As far as I remember, this credit card has had the $25 redemption threshold since I initially got this credit card back in 2014.  I decided to check it out and redeem my entire balance… all $15.07 of it :)

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New Discover Credit Card Benefit: Online Privacy Protection (Removes Personal Info from People-Search Websites)

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Updated at 1:30pm PT on 8/9: I received an email this morning that Discover “helped remove 3 private data records”.  From start to finish, the entire process took about 2 weeks from initial scan to data records removed.  Scroll to the bottom to see the update.

Updated at 4:30pm PT on 7/28: I logged into my Discover app today and saw that 1 of my requests was already completed.  That was really fast!  Scroll to the bottom to see the update.

Good afternoon everyone.  I received an interesting email from Discover yesterday about a new credit card benefit called Online Privacy Protection.  I know online privacy is not super sexy, but I decided to check it out and see if it was something useful.  With all the data breaches and hacks / leaks out there, I know it’s impossible to get all of my personal info back, but if I can make it harder for hackers and scammers to get my info, I’m all for it.

Long story short, Discover uses a third party service that scans the 10 most popular “people-search” websites for your personal info, based on the personal info that Discover has on file for you.   If you have ever searched a person’s name on Google, you will usually see 4-5 “people-search” websites at the top of the search results.  These websites aggregate data and show your name, age, address, email address, and relatives.  They make money by selling your data to marketers and data brokers.  With Discover’s Online Privacy Protection service, you can request to have the service reach out to these websites and remove your personal info.  I’ll share the FAQs with you and show you what it found for me.

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Why I Converted my 3 Citi AT&T Access More Credit Cards to 3 Citi Custom Cash Cards

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Good afternoon everyone.  A few month ago, I wrote My Experience Product Changing / Converting / Downgrading to the Citi Custom Cash Credit Card.  In that post, I shared my experience product changing from the Citi AT&T Access More Credit Card to the Citi Custom Cash Credit Card.  At the beginning of this year, I had 3 Citi AT&T Access More cards but by mid June, I had converted them all to Citi Custom Cash cards.  In this post, I will share why I loved the Citi AT&T Access More and why I stopped loving the cards over the years.

First things first, the Citi AT&T Access More is no longer available to new applicants and Citi recently stopped allow people to product change to this card.  With that info out of the way, here is why I used to love this card.  Instead of a traditional sign up bonus, this card offered a $650 statement credit after you purchased a new AT&T phone.  On September 20, 2016, I purchased a new AT&T phone (I honestly can’t remember which phone it was, but that’s not important).  This card earns 3x Citi ThankYou Points on AT&T purchases and online purchases; 1x on everything else.

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