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Credit and Financials Resources During The COVID-19 Pandemic

May 12, 2020 by Dan Wilke Leave a Comment

Credit issuers across the country are offering resources for customers during the COVID-19 economic downturn. Unemployment has skyrocketed in recent months and many are going without paychecks.

If you are struggling with bills and payments there may be options and resources available to you provided through your credit provider. Many of the major credit card companies have made resource pages designed specifically for the current pandemic. These pages often include information regarding your federal stimulus payment.

This list will be updated as more financial institutions continue to update the financial assistance they are offering to their clients. The best source of information will be to contact your financial service provider directly. Many banks are experiencing extended wait times to receive customer service – patience will be required during these tough times.

Chase Bank

Chase Bank has developed a number of resources available for clients seeking assistance during the pandemic. For stimulus related concerns customers can visit Chase.com/stimulus. Resources concerning your federal stimulus payment and deposit updates can be found there.

Chase has an additional page for general coronavirus relief information. This will provide details regarding payment assistance for all lines of credit with Chase Bank. This include credit card payments, mortgage payments, and auto loans.

Capital One

Capital One has set up assistance for customers impacted by the COVID-19 pandemic. Clients can visit capitalone.com/coronavirus to find assistance programs and relief available to customers. Like other major credit card carriers Capital One advises their customers to contact them directly if they are having trouble meeting their payment deadlines.

Discover Bank

Discover cardholders can visit discover.com/coronavirus to view information related to customer relief. Impacted individuals are urged to contact Discover directly at 1-800-497-2816 to speak about your specific financial hardships and payment requirements.

Citi Bank

Citi Bank customers can visit Citi.com/Covid19 to view assistance programs offered for their clients. A relief report form has been set up which can be completed online if you require assistance with your credit card bills.

Customers will need to log in to their Citi Bank account to complete the form. Assistance can also be provided by phone at 1-800-685-0935.

Bank of America

Bank of America clients can visit bankofamerica.com/coronavirus to view relief programs set up during the pandemic. Payment deferrals can be requested online for credit card payments, mortgage payments, and auto loan payments.

Information regarding business owners who may be interested in utilizing the Payment Protection Program can find additional information about this process on their Coronavirus assistance page.

US Bank

US Bank customers are encouraged to visit usbank.com/covid19 to learn about payment deferral programs and additional payment relief available to customers. In addition to individual assistance programs, US Bank customers can learn about options for small business owners.

Wells Fargo

Wells Fargo clients can find information relating to the pandemic at wellsfargo.com/coronavirus. The webpage provides information for businesses, individuals, and students.

PNC Bank

PNC Bank is offering clients assistance during this troubling time. The PNC Covid-19 Page has been updated to provide the latest information for customers struggling financially.

Regions Bank

Regions Bank has set up support system for individual clients and business owners. Regions.com/coronavirus provides information for relief assistance programs put in place to assist during the COVID-19 pandemic.

Fifth Third Bank

53.com/covid19 provides information regarding financial support systems put in place by Fifth Third Bank and the federal guidelines. Information is available for individuals, small business and corporate accounts.

TD Bank

TD Bank clients can visit tdbank.com/covid to find the latest information about the pandemic and their finances. The webpage also provides a direct link to the IRS Relief Payment online tool to track your relief payment.

BMO Harris Bank

BMO Harris Bank clients can remain updated on lending relieft programs and credit card payment relief programs at bmoharris.com/covid19.

Finding Assistance During The Coronavirus Pandemic

While many resources are being put in place to protect consumers it is inevitable that many individuals will need significant help during this time. If you are struggling to meet your bills you should reach out to the lending institution as soon as possible.

Please leave additional resources and information in the comments below which will be updated in to the article to provide the most up to date resources.

Stay safe out there!

IRS Get My Payment Coronavirus Relief

April 18, 2020 by Dan Wilke Leave a Comment

The Coronavirus crisis has resulted in Congress providing US citizins with a stimulus payment to assist with the economic downturn. Citizens can view their payment status which is provided by the IRS. Checking your payment may require the following information:

  • Your 2018 tax return
  • Your 2019 tax return (if already filed)
  • Your Social Security Number
  • Your home address and zip code

The purpose of this government portal is to all citizens to determine the status of their government payment. Citizens who are not eligible may receive a notice stating “payment status not available”. This most likely means that you are not eligible for the payment. Alternatively it may indicate you have not submitted your tax return and your data is unavailable for processing your payment.

Stimulus Payment Eligibility Requirements

  • US Resident with gross income less than $99,000
  • Single head of household with gross income less than $146,500
  • Joint couple with household income less than $198,000

The payments will be based on either your 2018 tax return or your 2019 tax return. If you have not yet filed your 2019 tax return your 2018 tax return will be used for payment eligibility.

The filing deadline for 2019 tax returns has been delayed until July 15th, 2019. If your income has changed in such that it would make you eligible for the stimulus it would be beneficial to complete your 2019 tax return so that this information is used to process your stimulus eligibility.

How To Check Your Payment Status

The IRS has set up a payment tracking portal at IRS.gov/GetMyPayment. Payments are issued based on the direct deposit information you have previously used for your tax returns. If you have not set up direct deposit, you payment will be mailed.

To check the status of your payment you will visit the IRS protal and provide your social security number, your home address, your date of birth, and your zip code. Your payment status will be provided based on the information you submit. If you do not meet the eligibility requirements for the stimulus payment you will receive the message “Payment Status Not Available”.

Additional Government Aid and Future Stimulus

In addition to the individual stimulus package approved by Congress business owners may be eligible for additional assistance through the SBA Disaster Assistance Program. This program is not currently taking new applicants due to the runaway success – funds have been depleted. It is anticipated that Congress will renew funding for this program and new applications will be allowed to be submitted.

At this time there has been no further announcement regarding individual stimulus for individuals.

Bank of America DUA Debit – Massachusetts Unemployment Card Login and Guide

April 14, 2020 by Dan Wilke Leave a Comment

www.bankofamerica.com/duadebit

The Massachusetts DUA Card is issued by the state of Massachusetts for those who are collecting unemployment payments in the state.

To login please visit www.bankofamerica.com/duadebit and follow the on-screen instructions to begin.

The Bank of America DUA Debit Card provides access to your Unemployment benefits 24 hours a day, 7 days a week.

If you need to find an ATM in your area please visit www.prepaid.bankofamerica.com/DUADebit/ATMLocator to find an ATM close to you.

 

Massachusetts DUA Debit Card Highlights

  • Use anywhere Mastercard debit cards are accepted
  • Access your account at www.mass.gov/uionline
  • Call the DUA TeleClaim Center at 877-626-6800 from area codes 351, 413, 508, 774, and 978 or 617-626-6800 from all other area codes
  • Make purchases in stores, online and on the phone
  • Get access to cash at point of sale, ATM Terminals, Mastercard banks, and credit unions

 

Popular Questions (with answers!)

Q: What time does unemployment deposit money in MA? A: It depends on the date your claim was approved.

Q: How long do you have to activate the card? A: Once the card is received the applicant has 30 days to activate the card.

Q: Will I be charged a fee when requesting cash back? A: 99% of grocery stores, convenience stores, and U.S. post offices offer cash back without a fee.

Q: Will paying at the pump create a hold on my account? A: Yes. Paying at the pump may cause a hold of up to $100 on your account (ask the gas station clerk for more information)

Q: Where do I go to activate the DUA Debit Card? Rev up your PC and head over to www.prepaid.bankofamerica.com/duadebit/Verify/Activate

 


Need a credit card?

  • Bad credit: FortivaCreditCard.com
  • Good credit: Chase Slate Credit Card

 

How to Check a Balance on Bank of America DUA Card?

Most of the time the merchant will not be able to provide the balance on the card and the balance will not be shown on the receipt.

To check the balance of your account please dial 1.855.898.7292 (available 24 hours a day 7 days a week).

 

Bank of America DUA Review

“Best state unemployment card in the country and I have used a bunch of them. You can access your funds 24 hours a day 7 days a week!” – BIG BAD JOHN from San Diego, CA lives in BEANTOWN currently… next year: who knows!

“If you are unfortunate to have to apply for benefits in the state of Massachusetts this card is a life-saver… easy to use and money gets on the card quick” – Sammy B. Boston, MA

 

BankofAmerica.com/DUADebit Bill Pay

You can pay bills online, in-person, or over the phone with the DUA debit card, and can be used anywhere in the US where the Mastercard logo is presented.

Best Checking Accounts for April 2020 – Top Bank Account Bonuses To Stash Your Cash

April 14, 2020 by Dan Wilke Leave a Comment

Best Checking Accounts

Top Personal Banking New Account Offers

Most consumers are very familiar with Credit Card sign up offers.  We receive these offers almost every day when we check our mail.  Many consumers are unaware that Banks also offer substantial bonuses to new customers.

If you are looking for a new personal banking account, part of your research process should be checking to see if the bank offers a new customer bonus.  This list provides the latest offers from many of the top banks in the country.

The list is updated as new offers are introduced and old offers expire.  If you have found a great banking bonus, please be sure let us know in the comments below so that we can review the details and add all top offers to this list!

Please note that the offers are not in any particular order and that the best bonus for you will likely depend on your ability to meet the bonus requirements!

Banking Bonuses For Checking And Saving Accounts
Banking Bonuses – Stash Your Cash and Grow Your Wealth

How Bank Account Bonuses Work – Actions Required To Receive Your Bonus

As you will see, each bank has specific rules for releasing new customer sign up bonuses.  There are several typical requirements used by banks to ensure customer eligibility:

  • Setting up qualifying direct deposit to your new account
  • Maintaining a specified balance for a specified amount of time
  • Making a debit card transaction with a card linked to your new account

For the most part, these actions are going to be primary requirements that consumers will find necessary to complete a new account sign up bonus.  Fortunately, many of these actions are things a consumer would do regardless of a bonus opportunity.

For instance, setting up a direct deposit and depositing new funds into an account are very common activities that you would likely do anyway!  This means that the bonus is essentially free money and customers should be sure to take advantage of these offers.

Citi Bank – Increased – Up To $700 Checking Bonus

The Citi Bank Checking Account bonus is very straightforward and is one of the reasons it is very popular with customers who prefer to do their banking online.  There are three tiers to the bonus system – $200, $400, and $700.  Each tier of the bonus requires consumers to maintain a specific minimum balance.

Balance requirements are $5,000, $15,000, and $50,000, respectively, for the three tiers of the bonus offer.  This balance must be met within the first 30 days of opening your new account and you will need to maintain the balance for at least 60 days.  Balance total is the result of a combined balance between a checking and savings account.

This bonus offer is going to be very achievable for consumers who maintain a decent balance in their savings account.  The $700 bonus tier requires an extremely large deposit and most consumers will prefer the $200 and $400 bonus options.

PNC Bank – Up To $300 Checking Bonus

The PNC Banking Bonus is based upon setting up direct deposits.  Your bonus eligibility will be based on the total amount of the direct deposits to your account within the first 60 days of opening.

Direct deposit requirements are $500, $2,000, and $5,000.  Bonuses are $50, $200, and $300, respectively.  In addition to the direct deposit requirements, customers will also be required to make at least 10 purchases with your PNC Bank Visa Debit Card.

This offer is a great opportunity for customers who are simply looking to set up a new direct deposit and not transfer any funds to their new account.  Debit transactions are required and it is necessary that both aspects of the offer are met during the 60 day bonus period.

Chase Bank – Up To $600 With Checking and Savings Accounts

Chase Bank offers a new customer bonus for both Checking and Saving Accounts.  The Checking Account bonus totals $300.  The Savings Account bonus totals $200.  Customers completing both bonus requirements are eligible for a total bonus of $600 (additional $100 for completing both bonus offers).

Chase Bank does not have as many physical banking locations throughout the country as some other big banks but as more customers turn to online banking, this may be a non-issue for many.

Customers will need to deposit $25 upon opening their account and set up direct deposit within the first 60 days to qualify for the $200 checking bonus.  There is no minimum deposit requirement which makes this one of the top checking account bonus offers around.

The $200 Savings Account offer requires new customers to deposit $15,000 within the first 20 days of opening their new account.  This balance must be maintained for 90 days.  Completion of requirements for both accounts will result in a $600 bonus.

Charles Schwab – $100 Bonus

The Charles Schwab bonus offer is contingent on receiving a referral.  Customers will need to have a current client provide them with a referral code in order to create a new account eligible for this bonus.  No further requirements are needed once your account is approved.

This is one of the easiest bonuses to get but you will need a referral code.  It is also important to point out that Charles Schwab typically screens all new clients with a credit check.  This may not be of concern for most people but this inquiry will be reflected on your credit report.

Capital One Performance Saving – Up To $500

Capital One is offering a new Bonus with their Capital One Performance Saving Account. Customers who open a Performance savings account and meet specific funding requirements will be eligible for the bonus.

The Performance Savings Account from Capital One provides an impressive 1.50% interest rate. This makes it a very attractive offer for customers who are planning to keep their savings in place for an extended period of time.

The qualification for the bonus is based on the total amount deposited. Bonuses will range from $100 up to $500. Each $10,000 deposited will provide an additional $100 bonus up to the full $500 bonus (requires a $50,000 bonus).

Discover Bank Savings Account Bonus – $150/$200

The $150 bonus requires funding your account with at least $15,000. Customers who fund their account with $25,000 or more will be eligible for the $200 bonus.

Selecting The Right A Bank For Checking and Saving Accounts

When selecting a bank to do business with it is important to determine what features are most important to you.  The bonus you receive should be a secondary consideration.  Some primary features you should consider when selecting a bank include:

  • Account maintenance fees
  • Access to physical banking locations
  • ATM charges and ATM availability (checking accounts)
  • Customer service reviews

Banking fees are the most important factor consumers should consider when searching for a new account.  Many banks waive fees when specific account balances are met.  For instance, banks may waive account fees if you maintain at least a $1,000 balance in your account.

Banks may also waive fees if features such as direct deposit are used by the customer.  The requirements will vary from bank to bank so it is important to review qualification to waive your banking fees before selecting your bank.

Final Thoughts – Which Bank Account Bonus Is Best For You?

Because there are many considerations that differ from person to person it is impossible to say which bonus will be best for everyone.  If banking with an institution that has many physical locations nearby, the best bank for you will differ by location.

For consumers who are comfortable doing their banking online, they may find that the Chase Checking and Savings Account Bonus is their best bet.  This offer provides up to $600 when both accounts are opened and the bonus requirements are met.  The requirements are also very reasonable relative to other offers.  For this reason, it is a top pick, but again, it may not be the top choice for all customers.

Please let us know what bank you prefer to do business with and whether or not they provide new customer bonuses in the comments below!

Also if you feel we missed a bank account bonus and it should be on our list please feel free to reach out via the CreditLiftoff Facebook Page or email us at contact@creditliftoff.com.

MyVanillaDebitCard Review and Activation: Are These Cards Worth It or Just Vanilla?

April 14, 2020 by Dan Wilke 2 Comments

myvanilladebitcard.com customer service

MyVanillaDebitCard (MyVanilla Prepaid Visa and Mastercard)

  • Offers MyVanilla Prepaid Visa Card and the MyVanilla Prepaid Mastercard
  • These are prepaid cards and do not require a credit check
  • Apply at www.MyVanillaDebitCard.com
  • Must be 18 years of age or older and a legal resident of the United States

Please note MyVanilla Prepaid Visa Card, MyVanilla Prepaid Mastercard, and Mio Prepaid Mastercard are not available in the state of Vermont.


In the market for a credit card?

Check out the CreditLiftoff.com list of BEST CREDIT CARDS!

Save hundreds or maybe thousands on your student loans!

Visit SoFiRefi.com and input your confirmation number.


 

These prepaid cards are ideal for consumers who don’t play well with credit cards as they can only spend money that’s loaded on the card.

 

MyVanillaDebitCard Reviews

  • PrepaidCards123 – 8 out of 10 – ‎Review by Rob Berger
  • The Movo Virtual Prepaid Card was named one of NerdWallets best-prepaid cards
  • CreditKarma – Review not available
  • HardMoneyTimes.com – Not Found

Surprisingly there were not a ton of reviews in regards to the MyVanilla line of prepaid cards.

 

Reviews from Real People

“The Vanilla Debit Card literally saved my life. I was drowning in high-interest credit card debt because I could not control my spending (I also had problems with addiction). One day my friend tore up all my credit cards and gave me the Vanilla Debit card explaining I could only use what funds were available on the card… LIFE CHANGER! Today I’m free of debt and only spend what I can afford” – Justin B. New Orleans, LA

“Credit cards suck and are a trap to take all of your money… The Vanilla debit card is anything but that. Highly recommended!” – Sara J. New York, NY

“If I could go back and do my life over I would never sign up for a credit card. They suck the money right out of your bank account and don’t even say sorry! Debit cards saved my financial life… LOVE my Vanilla Debit Card!” – Mike H. St. Louis, MO

 

Other Options

  • Fifth Third Access 360° Reloadable Prepaid Card: NerdWallet named this card one of their favorite prepaid cards
  • Chime: No monthly fees or hidden fees
  • Movo Virtual Prepaid Visa Card: No monthly fees; free ATM network; instant transfers between cards.

If we had to pick one of the above we would go with the CHIME card as it allows you to get paid up to 2 days early with direct deposit and grow your savings.

 

MyVanillaDebitCard Register Information

The following information is needed in order to register a MyVanilla Prepaid Visa or the MyVanilla Prepaid Mastercard.

  • Card number
  • CVV number
  • First and last name
  • Email address
  • Mailing address
  • Phone number

Any issues that arise during the registration process can be directed to a MyVanilla Card Customer Care agent at toll-free 1-855-686-9513.

 

MyVanillaDebitCard App

  • Google Play: The MyVanilla App provides you FAST, SECURE and EASY access to your MyVanilla Prepaid Visa Card
  • App Store: This app is available only on the App Store for iPhone and iPad

 

Customer Service

  • Mail: MyVanilla Customer Care, PO Box 826, Fortson GA 31808
  • Phone: 1855-686-9513

In order to speak with a live human customer service agent please press 1 then 3 then wait through the message, then press 4, then enter the phone number you used to register.

The MyVanilla Prepaid Visa Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and can be used wherever Visa debit cards are accepted.

 

What bank does My Vanilla Card use?

According to the site…

The Bancorp Bank; Member FDIC.

 

Walmart FANBOY?

If you frequent Walmart you may want to consider loading your Vanilla debit card via the Walmart Rapid Reload service.

At participating locations, you can load cash directly to your MyVanilla Card at the register.

Visit participating Walmart locations to swipe, load and go.

 

My Vanilla Debit Card Final Verdict?

The MyVanilla Prepaid Visa Card and the MyVanilla Prepaid Mastercard are only useful for consumers who cannot handle credit cards because they rack up high-interest debt.

We give this card TWO THUMBS WAY UP!

Most consumers will want to avoid these “prepaid” cards and opt for a good cash back credit card.

 

MyVanillaDebitCard Activation Website

  • www.myvanillacard.com
  • myvanilladebitcard.com balance (check a balance associated with a prepaid Vanilla card)
  • myvanilladebitcard.com registration (sign up for a Vanilla prepaid card)

Union Bank Cash Offer Credit Card Bonus

December 30, 2019 by Dan Wilke Leave a Comment

Union Bank Credit Card
Union Bank Credit Card – Cash Back Rewards

Union Bank offers a very nice cash rewards credit card for their clients. The card boasts an impressive 1.5% cash back for all purchases. However, many customers are most excited about cash offer available for new customers.

When you sign up for the Union Bank Visa Card you are eligible to receive $100 in cash rewards. Cardholders will need to spend $1,000 in the first three months of opening a new account to receive the bonus offer.

Card Features and Benefits

  • 1.5% cash back for all purchases (unlimited)
  • $100 cash offer for new cardholders
  • 25% rewards bonus when redeeming with your Union Bank Account
  • 0% introductory APR for 12 months with new account
  • 3% balance transfer fee
  • No annual fee

The benefits of this card are very impressive for a zero annual fee option. While there are some 2% cash reward cards with no annual fee, 1.5% is still quite impressive. When you add in the sign up bonus you can see why many consumers are considering The Union Bank Visa Card.

Another great incentive for new customers is the introductory interest rate. Customers will pay no interest on new purchases for the first 12 billing cycles. This can be useful for customers planning to make a big purchases after opening their new account. Just be sure to pay off your balance before the intro offer expires to avoid costly interest.

Applying For The Union Bank Cashback Rewards Visa

Customers can apply for the credit card at your local branch, by mail, or online. If you have received an mail offer for the card you can apply for the bonus offer without any complicated offer codes.

The bonus offer is available to all customers and is not subject to a special invitation. Card approval will be based on the information you provide in your application and your credit history.

Before applying you can also review other Union Bank Credit Card options which include a points based rewards card, a travel rewards card, and a balance transfer card. Overall, the Cashback Rewards Card will be the best bet for most consumers as the 1.5% cash back applies to all purchases with your credit card.

Additional Card Features

In addition to the features discussed above cardholders will also enjoy the following:

  • Access to Visa Concierge Services
  • Auto Collision insurance for car rentals
  • Fraud protection for unauthorized use
  • Overdraft protection when linked to your checking account

Are you a Union Bank Credit Card holder? Let us know about your experience with the card in the comments below!

Helpful Links:

www.UnionBank.com/cashoffer

Bank of America $300 Cash Rewards Business Card Offer

December 6, 2019 by Dan Wilke Leave a Comment

Bank of America Business Advantage

Bank of America is offering a very attractive offer for business owners looking for a new credit card. The Business Advantage Cash Rewards card provide cash back for all purchases. New cardholders can earn a $300 statement credit under the current promotion.

$300 Promotional Offer

This offer is available for new cardholders. Customers will be required to open an account and spend $3,000 on their card within the first 90 days. After completing the spending requirement your account will be credited with $300 statement credit.

The current offer expires on December 31st, 2019. The direct link to the offer can be found here. No offer card is necessary to apply.

Business Advantage Cash Rewards – Card Features

  • $300 bonus offer for new cardholders
  • 0% introductory offer for your first 9 billing cycles
  • 3% cash back for select business expenses (cardholders choice)
  • 2% cash back for all dining expenses
  • 1% cash back on all other purchases
  • Preferred rewards customers eligible for additional cash back rewards
  • No annual fee

One of the most attractive features of this card is that it allows you to choose your 3% cash back categories. Cardholders can choose from the following categories: Gas, Office Supply Stores, Travel, TV/Wireless Services, Computer Services, or Consulting Services.

This feature allows business owners to determine which spending category will benefit their business most. Cardholders can customize their cash back rewards to meet their business needs.

Another great feature about Bank of American Credit Cards is that you can earn additional rewards as a Preferred Rewards Member. Preferred Rewards has three tiers which are based on total balance of your BoA accounts. Gold customers will receive a 25% bonus, Platinum will receive a 50% bonus, and Platinum Honors will receive a 75% bonus.

Rewards for bonus categories (3% and 2%) are capped annually at $50,000 spent. After this, all purchases in those categories will continue to earn 1% cash back.


Additional Business Credit Card Resources:

  • Capital One Spark Business (2% Cash Back)
  • Chase Ink Business Cards (3 cards to choose from)
  • Southwest Performance Business Card
  • Best Credit Cards For 2019 (Options for Non-Business Cards)

Selecting The Best Card For Your Business

  • What type of rewards do you want?
  • Where do you spend money for your business?
  • Are there features important to you such as no annual fee?

There are a number of questions to consider when selecting the best card for your business. The questions above will give you a good starting point. The Bank of America Cash Rewards card is going to appeal most for consumers who can take advantage of the 3% cash back in your selected category.

Additionally, if you already do business with Bank of America and you are a Preferred Rewards client you will earn even more with your card.

What is your favorite credit card for you business? Let us know in the comments below!

Helpful Links: www.BankofAmerica.com/300cashrewards

Bank of American Contact: 800-900-6703

Synchrony MasterCard: 2% Cash Back

December 2, 2019 by Dan Wilke Leave a Comment

New Synchrony Cash Back MasterCard Coming Soon

Synchrony Bank is in the process of rolling out their new cash back MasterCard. Synchrony is most well known for issuing store branded credit cards. Unlike the store branded cards, this card will be a general credit card for customers to earn cash back.

The card is currently only open for customers who have been pre-qualified and invited to apply. It is expected that this card will be available for the general public soon. If you have been invited to apply you will need to visit MasterCard.Synchrony.com to access your application.

Synchrony MasterCard 2 Percent Cash Back
Synchrony MasterCard 2 Percent Cash Back

Applying For This Credit Card

In order to apply for this card you will need to have received an authorization code from Synchrony Bank. Your authorization code will be active until the expiration date indicated on the letter you received.

Synchrony Authorization Code
Synchrony Authorization Code Form – Currently Required to Apply

To begin you application you will need to provide your code and your last name. This will allow you to access the complete application. Consumers will need to provide the basic information necessary to complete a credit application.

Cash Back Rewards

  • 2% cash back on all purchases
  • Sign up bonuses available ($150)
  • 0% intro APR for pre-qualified customers
  • No annual fee

Overall, this is a great cash back rewards card. 2% cash back is among the top tier of cash back rates. The Citi Double Cash Card is often seen as the standard for a cash back credit card. This card matches the rewards rate of the Double Cash.

Along with an impressive 2% cash back for all purchases, this card also offers sign up incentives for selected customers. The current offers include $150 sign up bonus after spending $1,500 on your new account within the first 90 days.

Additionally, new customers may also be eligible for 0% interest for the first year with their new card. Specific new sign up bonuses incentives will vary as the card becomes available to the general public.

Have you received an offer for the new Synchrony Bank MasterCard? Let us know about your thoughts of this new product in the comments below!

Amazon Shop With Points Coming To Capital One

November 25, 2019 by Dan Wilke Leave a Comment

Capital One Expanding Rewards To Include Amazon Shopping

Capital One and Amazon have announced that customers will soon be able to use their credit card rewards directly with Amazon. Capital One will be joining Chase, Discover, and Citi – all of which already have programs in place with Amazon.

The new rewards system will allow customers to apply their rewards when completing check out for Amazon purchases. Amazon is by far the largest online retailer in the United States. This new rewards program will certainly be met with approval from Capital One customers.

Capital One Shop With Amazon
Capital One Shop With Amazon

Eligible Capital One Reward Cards

The following cards will all be eligible for the Amazon Shop With Points Program:

  • Capital One Venture Rewards Credit Card
  • Capital One VentureOne Rewards Credit Card
  • Capital One Savor Cash Rewards Credit Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Capital One Spark Cash for Business
  • Capital One Spark Cash Select for Business
  • Capital One Spark Classic for Business
  • Capital One Spark Miles for Business
  • Capital One Spark Miles Select for Business
  • Capital One Quicksilver Cash Rewards Credit Card
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Journey Student Rewards from Capital One

How Shop With Points Works

Capital One will allow you to redeem your points with Amazon. You can use your points to cover the cost of an entire purchase or a portion of a purchase. Redemption values for cash back rewards will be 1:1. For miles, customers will redeem 125 miles for each dollar spent with Amazon.

Your points will automatically be deducted from your rewards account after your purchase has been made. Amazon also enables customers to have points automatically applied to all purchases. This feature will instantly apply available rewards to all of your Amazon shopping.

Value of Rewards When Shopping With Amazon

As mentioned above, the reward rate for purchases is very straightforward. You will receive $1 with Amazon for each dollar in cash back rewards. 125 miles will be worth $1 with Amazon – a rate of 0.8 cents per mile.

For cash back rewards, you will be missing out of the opportunity to earn additional rewards with your purchase. Purchases made with points will not be eligible for any cash back you receive with your card.

For travel credit cards, you will be receiving a slightly lower redemption rate than is available for travel booked with your miles. Typically you will receive about 1 cent for each mile redeemed for travel. Travel card customers may want to save their points for a better redemption rate.

Helpful Links:

www.Amazon.com/shopwithpoints

Upgrade Personal Loans: Review and Features

November 20, 2019 by Dan Wilke Leave a Comment

Choosing a Personal Loan

Personal loans have exploded in popularity. As such, there are hundreds of options available for consumers looking for this type of loan. Many banks and credit unions offer personal loans. There are also many online platforms, such as Upgrade, where you can receive you loan online.

Upgrade provides personal loans for people with fair or better credit. Customers can check their approval rate online without completing a full application. There will be no impact to your credit score when you check your loan terms.

Let’s take a look at some of the features offered from Upgrade for their personal loans.

Loan Features – Upgrade Personal Loans

  • Loan amounts range from $1,000 to $50,000
  • Repayment terms can be selected from 36 to 60 months
  • Disbursement issued within one day of approval
  • Credit approval starting around approximately a 600 credit score
  • Interest rates range from approximately 6.98-35.89%
  • Origination fees range from 1.5-6%
  • No prepayment fees

The primary appeal for Upgrade is that they offer loans to individuals who may not have been approved elsewhere. A higher debt to income ratio is allowed than some other competitors.

If you have been denied approval with other lenders it is possible you will still qualify for a competitive rate with Upgrade. The best strategy is to shop around and get preapprovals from several lenders to determine what your best loan offer is.

Save With Upgrade Mail Offer

Upgrade provides select consumers with mail offers for personal loans. If you have received an offer you will be directed to apply online (www.savewithupgrade.com). Here you will find the following form:

Save With Upgrade Offer

Potential customers will be required to provide several pieces of information to get started with their offer. First, you will need to provide your 15 digit code included with the mail offer you received. You will also need to select a loan amount you are interested in receiving and the purpose of the loan.

Customers will be asked to provide some basic personal information to view their rate. As mentioned above, there is no impact to your credit score and you can check your loan rate for free.

Other Popular Loan Reviews:

  • Payoff Forward Loan
  • Upstart Personal Loan
  • Lending Club My Instant Offer

Helpful Links and Upgrade Contact:

275 Battery Street, 23rd Floor
San Francisco, CA 94111, USA

Email: contact@upgrade.com

Mail Offer: www.SaveWithUpgrade.com

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