Author Archives: David Shvartsman

New Rule for New Credit Card Applications with Bank Of America

Bank Of America has a new rule for approvals of new Credit Cared applications. The rule went into effect in October 2017.

According to this new rule, you will only be approved for a maximum of:

  • 2 new Bank of America cards within a 2-month period
  • 3 new Bank of America cards within a 12-month period
  • 4 new Bank of America cards within a 24-month period

The new rule unofficially called: BOA 2/3/4

Unlike the Chase 5/24 rule, this rule does not appear to consider cards from other banks. If your application goes pending and needs manual review, it is always possible that a human might additionally consider the number of accounts you have opened with other banks. Interestingly, business cards do not count towards this rule.

For a complete list of rules for approvals of new Credit Cared applications see the Unofficial Limitations for New Credit Card Applications blog post.

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$15 Instant Rebate on $300 in Visa Cards at OfficeMax from 11-19-2017 to 11-25-2017

WARNING: There have been reports of fraudulent transactions appearing on the gift cards after purchase. I would recommend “liquidating” the gift cards as soon as possible after purchase. For example by buying the gift card to your grocery store. 

OfficeMax is offering a $15 instant rebate with the purchase of $300 in Visa or MasterCard gift cards from 11-19-2017 to 11-25-2017. There is a limit of 1 offer per customer/business.

To maximize Miles/Points earnings use your Chase Bold/Ink credit card to make 1 transaction buying 3 $200 cards each. You will earn 2850 Chase Ultimate Rewards Points.

See post on How to set PIN number for MasterCard or Visa gift cards.

Please remember:
1. This time it is a $15 instant rebate.
2. Available only at the store.
3. Limit 1 per customer.
4. Valid 11-19-2017 to 11-25-2017.
5. Subject to availability.

This is a similar other offer like Office Max had in December 2015: you could make multiple purchases and earn instant rebate every time.

OfficeMac Cashier will have to call in and approve the purchase first. It takes about 5-10min.

Buy $300 worth of MasterCard Gift Cards at Staples, Get $15 Staples Card Cart by Rebate. Valid 09-17-2017 to 09-23-2017.

WARNING: There have been reports of fraudulent transactions appearing on the gift cards after purchase. I would recommend “liquidating” the gift cards as soon as possible after purchase. For example by buying the gift card to your grocery store. 

Get a $15 Staples®  Gift Card after easy rebate for buying $300 or more in MasterCard® Gift Cards from Staples store.

This deal is good on 09-17-2017 through 09-23-2017.
To maximize Miles/Points earnings use your Chase Bold/Ink credit card to buy 2 $200 cards. You will earn 2000 Chase Ultimate Rewards Points using your Bold/Ink Business Card.

The offer can be found in the current Staples Weekly AdStaples Easy Rebate Site

Those cards can be used as regular Credit/Debit Cards for day-to-day purchase, effectively turning any purchase into 5 points category. See post on How to set PIN number for MasterCard or Visa gift cards.

Please remember:
1. This time it is $15 Staples gift card.
2. Available only at the store.
3. Limit 1 per household.
4. Valid 09-17-2017 through 09-23-2017.
5. Subject to availability.

The Staples stores in Streetsboro and Mayfield HTS have plenty of $200 MasterCard Gifts card in stock.

Remember to register for Q4 2017 Credit Card Category Bonuses

Bonus Categories

Many Credit card offer 5% Cashback/5 pints for $1 spend in different categories of spending each quarter. The 4th quarter of 2017 starts on October 1 and it is time to register for those promotions:

Citi® Dividend Card:

Sign up for 4th quarter 2017 and get 5% cash back at drugstores and fitness clubs
including favorites like:

  • Best Buy stores
  • Department stores

Department stores are larger merchants that sell a general line of apparel, home furnishings, furniture, electronics, cosmetics, housewares and major appliances. They have several departments that usually have separate checkout counters.

Chase Freedom Card:

Sign up for 4th quarter of 2017 and earn 5% cash back from Chase on up to $1,500 in
combined purchases from  October 1 – December 31, 2017 at:

  • Walmart
  • Department stores

Note:

  • earn 5% cash back on up to $1,500 in combined purchases in this quarter’s bonus categories
  • List of included merchants can be found here.

Discover Card:

Sign up for the 4th quarter of 2017 and earn 5% Cashback Bonus on up to $1,500 in purchases at:

  • Amazon.com
  • Target

List of included merchants can be found here.

Donate Airline Point to Hurricane Harvey relief efforts

Donate Airline Point to Hurricane Harvey relief efforts

Plenty of organizations are raising money to help the victims of Hurricane Harvey. Check out these groups before you donate to be sure your gift goes to those who need it — and not to scam artists.

Some of US Airlines are accepting online donations of your points to support that effort to a variety of charities including two likely to be focused on recovery efforts in Texas: American Red Cross and All Hands Volunteers:

AAdvantage mileage members might also consider making a monetary donation to support the American Red Cross disaster relief programs. From August 24, 2017, through September 24, 2017, with a minimum $25 donation, AAdvantage members can earn 10 miles for every dollar donated. Mileage will appear on mileage statements within 30 days of donations being made and must be made through this website link.

 

Buy $300 or more in Visa® or MasterCard® Gift Cards, Get $15 Staples Card by Rebate. Valid 9/3/17 – 9/9/17.

WARNING: There have been reports of fraudulent transactions appearing on the gift cards after purchase. I would recommend “liquidating” the gift cards as soon as possible after purchase. For example by buying the gift card to your grocery store. 

Get a $15 Staples®  Gift Card after easy rebate for buying $300 or more in Visa® or MasterCard® Gift Cards from Staples store.

This deal is good on 9/3/17 through 9/9/17.
To maximize Miles/Points earnings use your Chase Bold/Ink credit card to buy 2 $200 cards. You will earn 2000 Chase Ultimate Rewards Points using your Bold/Ink Business Card.

The offer can be found in the current Staples Weekly Ad and rebate can be submitted online using Staples Easy Rebate Site.

Those cards can be used as regular Credit/Debit Cards for day-to-day purchase, effectively turning any purchase into 5 points category. See post on How to set PIN number for MasterCard or Visa gift cards.

Please remember:
1. This time it is $15 Staples gift card.
2. Available only at the store.
3. Limit 1 per household.
4. Valid 9/3/17 through 9/9/17.
5. Subject to availability.

The Staples stores in Streetsboro and Mayfield HTS have plenty of $200 MasterCard and Visa Gifts card in stock.

Buy $300 worth of American Express Gift Cards at Staples, Get $20 Staples Card Cart by Rebate. Valid 8/27/17 through 9/2/17.

WARNING: There have been reports of fraudulent transactions appearing on the gift cards after purchase. I would recommend “liquidating” the gift cards as soon as possible after purchase. For example by buying the gift card to your grocery store.

Get a $20 Staples®  Gift Card after easy rebate for buying $300 or more in American Express® Gift Cards from Staples store.

This deal is good on 8/27/17 through 9/2/17.
To maximize Miles/Points earnings use your Chase Bold/Ink credit card to buy 2 $200 cards. You will earn 2000 Chase Ultimate Rewards Points using your Bold/Ink Business Card.

The offer can be found in the current Staples Weekly Ad and rebate can be submitted online using Staples Easy Rebate Site

Those cards can be used as regular American Express Cards for day-to-day purchase effectively turning any purchase into 5 points category. American Express Gift Cards do not allow to set up PIN. See post on How to set PIN number for MasterCard or Visa gift cards.

Please remember:
1. This time it is $20 Staples gift card.
2. Available only at the store.
3. Limit 1 per household.
4. Valid 8/27/17 through 9/2/17.
5. Subject to availability.

The Staples stores in Streetsboro and Mayfield HTS have plenty of $200 American Express Gifts card in stock.