Tag Archives: Credit Cards

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Instant Access to Chase Sapphire Preferred Credit Card After Approval with Apple Pay & Google Pay

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Updated at 8:15am PT on 4/23/25: I completed the $5,000 minimum spending requirement and the 100,000 Chase Ultimate Rewards Points show as pending in my account – all before even receiving the physical card in the mail.  You can also refer friends and family members to the CSP before receiving the physical card in the mail.  See both updates below.

Good morning everyone, I hope your weekend is going well.  Last night, I was looking into credit card options since Laura and I have some large purchases coming up in the next few months.  While researching, I wanted to see if the Chase Sapphire Preferred Credit Card (CSP) (click here to learn more and apply) offers instant access to the card, and I was happy to find out that it does!

According to Chase: “Spend Instantly: Apply for a card, use it the same day. Receive instant access to your card by adding it to a digital wallet, like Apple Pay®, Google Pay™, or Samsung Pay.” You can check out the full details here chase.com/digital/spend-instantly.  In this post, I will show you the process to add the CSP to your Apple Pay Wallet.

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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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When Does the Free Night Certificate from the Chase World of Hyatt Credit Card Post and Expire?

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Good afternoon everyone, I hope you had a great weekend.  Yesterday, my dad asked me about his Hyatt Free Night Certificate (FNC).  He told me he just booked a Hyatt stay using the FNC but wasn’t sure if he got a good deal on the hotel stay.  I asked him when the FNC expired, but he didn’t know or remember.  I told him how to figure out when the Hyatt FNC posted to his account and how to find out when the FNC expired.  I figured this post would be helpful to others who are in the same situation.  It is really easy to find out, here is how.

Figure out when your $95 annual fee is charged to your Chase World of Hyatt Credit Card.  For Laura’s card, her $95 annual fee posted on February 1, 2025.  You can find this charge using the Chase website, Chase app, or by looking at your credit card statements.

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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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US Bank Smartly Checking Monthly Fee Increasing from $6.95 to $12 & Credit Card Waiver Eliminated (Effective May 19)

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Good afternoon everyone.  Hot off the heals of the massive Southwest Airlines devaluation this morning, I found another devaluation on my recent US Bank Smartly Checking account statement.  The main dagger is how to waive the monthly maintenance fee: “Having an eligible personal U.S. Bank credit card no longer waives the Monthly Maintenance Fee”.  Here are the full details:

Changes to the U.S. Bank Smartly Checking account

    • The Bank Smartly Checking account Monthly Maintenance Fee will change to $12
    • You can avoid the Monthly Maintenance Fee by meeting one of the waiver criteria:
      • Combined monthly direct deposit totaling $1,500 or more
      • An account owner on an eligible small business checking account
      • Maintain an average account balance of $1,500 or greater
      • Be a member of a Customer Group that waives the Monthly Maintenance Fee
      • Qualify for the Smart Rewards Gold Tier or above
    • Having an eligible personal U.S. Bank credit card no longer waives the Monthly Maintenance Fee
    • A Bank Smartly Checking account will automatically come with the Smart Rewards Bronze Tier benefits, at a minimum
    • The interest tiers for the Bank Smartly Checking account are updated

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