Chase Bank regularly offers bonuses on new accounts. The bonuses, however, don’t last long. This deal, worth up to $450, expires on April 23, 2015. The checking account bonus requires direct deposit. The savings account bonus requires a deposit of at least $10,000. Details on the bonus can be found here.
Tip: When this deal expires, you can find more Chase bonus coupons on Ebay.
To receive the $300 checking bonus:
Note: The checking offer is not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance.
To receive the $150 savings bonus:
PNC bank is offering up to a $300 bonus for those who sign up for its Virtual Wallet. On top of the bonus, there are no monthly fees with qualifying direct deposit. You can also get bonus rewards when you link your PNC Visa® Credit Cards to your account.
The bonus comes in three tiers depending on the type of account you open.
As with any bonus offer, the terms can change at any time, so be sure to check out PNC’s website for details. Also, from the website here are the details about this offer:
*New personal checking account must be opened online via the above “Open an Account Online” link or at a branch using the appropriate coupon between 2/1/2015 to 3/31/2015. To qualify for the $300 reward, a qualifying Direct Deposit must be received, and one (1) payment must be completed via PNC Online Bill Pay within 60 days of account opening. Your checking account must remain open in order for you to receive the $300 reward, which will be credited to the eligible account within 60 – 90 days after all conditions have been met and will be identified as “Cash Trans Promo Reward” on your monthly statement. A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend Account of a Virtual Wallet® with Performance Select. The total amount of all qualifying Direct Deposits credited to your checking account must be at least $5,000. Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as Qualifying Direct Deposits. Offer only available to new PNC Bank checking account customers who open the Eligible Account using the online application. New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. For this offer, signing authority will be defined by the customer name(s) and social security number(s) registered on the account. Offer only available to residents of AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and District of Columbia. Offer may be extended, modified or discontinued at any time and may vary by market.
Glad you asked. PNC has introduced online money management tools to help customers track spending, manage money, and budget.
From the PNC website, Virtual Wallet helps you spend, reserve, and grow your money:
SPEND is your primary checking account. It’s designed mainly for your everyday living and spending. With it you are required to receive a brand new Virtual Wallet Visa® Debit Card that you can use to make purchases (these purchases are deducted from your Spend account) or withdraw money at ATMs from any of your accounts. Your Spend account is what you’ll use to pay bills by check or through Online Bill Pay, as well as to make your daily, weekly (and weekend) purchases. Best of all, it works in harmony with your Reserve account.
RESERVE Account is for your short-term savings. And it also functions as your primary Overdraft Protection account – so if you’re at risk of overdrawing your Spend account (a Danger DaySM), money can be automatically transferred from your Reserve to your Spend, free of charge. Utilizing your reserve account is a great way to save up for things like a laptop, a sofa, a new mattress, a digital camera, etc. Bigger purchases, such as a house or even a honeymoon, can be saved up for in your Growth account.
GROWTH Account is your long-term savings account. It also acts as your secondary Overdraft Protection. The competitive interest rate* makes it perfect for you to build your nest egg and grow financially. Put money into your Growth account to save up for bigger, life-changing purchases down the road – a car, a down payment on a house, or to help pay off college loans. Best of all, you won’t need to use another bank for a high-interest savings account – with Virtual Wallet, you have it all in one place.
Its tools also help you simplify your financial life. Again from the PNC website:
Calendar – It’s more like a digital assistant that simplifies your banking needs. You’ll see everything in one place — from what you’re spending and making, to scheduled bill reminders, upcoming payments and balances.
Money Bar® – Get a bird’s eye view of what your money’s up to. The Money Bar puts it all into three categories: Scheduled Out (the money allocated for bills and other payments), Free (money that’s available to spend), and Reserve (the money you’ve tucked away).
PNC Online Bill Pay – helps you stay on track. Bills are integrated with the Money Bar® and the Calendar, so you know how much money is set aside and when it’s on the way out.
Spending Zone – Spending Zone’s SpendologySM tools provide a simple way to see what you’re spending your money on each month – and get a hold on it. Broken down into categories like Education, Restaurants, Gas and more, it allows you to set a budget for each.
Mobile Banking – PNC Mobile Banking lets you bank from your iPhone®, Android™ or other supported mobile device (tablet included), no matter where you are or what time it is. With the mobile deposit feature, you can even deposit money on the go.
Danger DaySM – Color-coded in red (so you won’t miss it), it shows up on your Calendar when your Spend account is at risk of being overdrawn.
You can check out the bonus offer at PNC’s website.
The Citi Simplicity® Card is ideal for those seeking a 0% offer on purchases and balance transfers. With this card there is no annual fee and there are no late fees or over the limit fees. This is a basic credit card with no rewards program and it is offered in both a MasterCard and Visa. And Citi has just increased the 0% offer from 18 months to 21 months.
The Citi Simplicity® Card comes with a dual 0% offer on balance transfers for 21 Months* months and on purchases for 21 Months* months. Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum. There are no fees associated with the 0% on purchases offer. Your variable rate will be 12.99% – 22.99%* Variable and is based on your creditworthiness. This rate may change based on the prime rate.
This card offers a variety of additional benefits for being a card member. Here is a list of some of the additional benefits the card offers:
Nationwide isn’t just an insurance company. It’s also an online bank. And its E-Checking account is currently offering a $200 bonus. The minimum opening balance is just $50. On top of the bonus, they also pay 0.60% APY (subject to change) on balances of $10,000 or more. That’s more than many savings accounts pay.
Here’s how you get the bonus. From Nationwide’s website:
To get your $200, open a new E-Checking account by 6/30/2015 with a $50 minimum balance using the offer code 03110473, then set up an automatic monthly direct deposit of at least $200 into your E-Checking account. Your monthly direct deposit of $200 must be received within 60 days of opening the account. Direct deposits must be ACH credits made by an employer or outside agency (such as pension or government benefit payments). Online transfers or other types of deposits are not considered direct deposits. The account must remain open for at least 90 days to receive the $200 bonus. The $200 bonus will be deposited into your new account within 2 weeks following the 90 day minimum requirement. This $200 bonus offer is limited to one per household and is not available to existing checking customers. Nationwide Bank reserves the right to withdraw any offer at anytime.
The USAA Preferred Cash Rewards® World MasterCard® offers 1.5% cash back on everyday purchases. This reward is significantly above the standard 1% offered by most credit cards. And redeeming the rewards is easy because they are credited right back to your card annually.
Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 11.90% and 25.90%, will apply. This rate will vary with the market based on the prime rate.
Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
Military Campaign Benefit: We’ll rebate all finance charges accrued while you served in a qualified military campaign.
Help during deployment: Our team of experts can help you before, during and after your deployment.
Click here to go to the USAA website for more details and to apply online.
Ebates, one of the largest cash back shopping sites, is currently offering a free $10 gift card. Joining is free, and new members can pick the gift card they want from several major stores, including Macy’s, Walmart, and Kohl’s.
Once a member, Ebates is more than just a way to earn cash back with online purchases. Yes, the cash back rewards are a huge benefit, including Ebates famous double-cash back rewards from select retailers. Members can also earn cash by referring new members to Ebates.
With Ebates you can earn cash back on just about all online shopping. The cash back varies from store to store. For example, with Walmart you can earn up to 4%. At Ebay you can earn up to 5%. These cash back bonuses do change. Ebates will run specials that pay double cash back from time to time.
You can also get the Ebate button that works in Firefox, Chrome, Explorer or Safari. As you shop online at your favorite stores, the Ebates button will alert you to available cash back offers.
For each new member you refer, Ebates will pay you a $5 referral fee. More importantly, you can also earn bonuses. Refer to just two friends, and Ebates pays you a $40 bonus, for a total Refer-a-Friend payment of $50. Refer 10 friends and the bonus jumps to $100.
Earning referral bonuses is simple. First, join Ebates. Once you join, go to the Tell-A-Friend section of the site (you’ll see a link in the navigation menu). Here you’ll find several ways to share Ebates with friends and family. You can email them through Ebates or send them a special referral link.
As you would expect, there are terms and conditions with this offer. From the Ebates website:
A “qualified referral” is a new member of Ebates referred by you that signs up at Ebates.com during the referral period starting January 1, 2015 and ending March 31, 2015 and that complies with the rules set forth below. If a qualified referral makes purchases totaling $25 or more that earn cash back within one year following signing up, Ebates will pay you a $5 “Base Bonus” for each such qualified referral and you will be eligible for an additional one-time “Tier Bonus” for the referral period based on the total number of such qualified referrals you generate and the Tier Bonus table then in effect. You will receive the highest Tier Bonus for which you qualify in the table above. Your Tier Bonus will be added to your Ebates account at the conclusion of this promotion. A qualified referral must be generated using (i) your custom referral link, (ii) the invitation forms on this page or (iii) other methods supplied by Ebates that allow for proper tracking of referrals. The following is a non-exhaustive list of activities that are not permitted and that will disqualify you from earning Bonuses: (i) self-referral, (ii) posting your referral link on any Ebates merchant’s Facebook or forum page, (iii) keyword bidding for the purpose of generating traffic to pages containing your referral link, and (iv) any similar activity determined by Ebates in its sole discretion to be inconsistent with the purpose of the Ebates Tell-A-Friend Program. Ebates decisions are final. You are responsible for any applicable taxes. This referral bonus promotion is open only to individuals who are legal residents of the fifty (50) United States, the District of Columbia or Puerto Rico and are at least eighteen (18) years of age.
Note that the bonus is based on quarterly referrals. At the end of each calendar quarter Ebates calculates your bonus based on referrals, and then a new quarter begins.
Webster Bank Rewards Visa Credit Card offers an introductory rate on balance transfers in combination with some attractive rewards. While the bank isn’t a household name among credit card issuing banks, this offer is compelling, particularly if you haven’t been able to qualify for a card with a zero interest offer with a longer-term.
The rewards package is a winner from the start. You will earn a $25 cash-back bonus after your first purchase (though it will take 6 to 8 weeks after the purchase). That will certainly make you feel good about participating in this offer very early in the process. Many credit cards are offering similar arrangements, but you generally have to spend several hundred (or even several thousand) dollars before you will receive a bonus of any kind.
After that, you will earn one point for every dollar that you spend. But that’s not all.
You will get a bonus of 25% added to the points that you earn each month as a result of your purchase activity. So if you earn 100 points, Webster Bank will bump that up to 125 points as a bonus. This is another area where the Webster Bank offer exceeds what is commonly being offered on rewards points by other banks.
In addition to the rewards points, the card has a 0% introductory rate for the first six billing cycles. And that applies to both balance transfers and purchases (but not to cash advances). Once the introductory rate period expires, an APR of between 9.99% and 20.99%, depending upon your credit worthiness, will apply on your outstanding balance going forward.
We’ve already discussed the $25 cash-back bonus that you get with your first purchase, as well as the 25% reward points bonus. We’ve also discussed that the reward point program in general is more generous than it is with most other cards in that it doesn’t require you to reach certain purchase targets. But Webster Bank Rewards Visa offers other advantages as well.
There is no limit on the reward and bonus points you can earn. Many credit card rewards programs put a limit on how many points you can earn, or on the timeframe in which you can earn them. There are no such limits with Webster Bank Rewards Visa.
Bonus points can be redeemed as cash. This benefit is huge. Many, probably most, credit cards that offer bonus points allow them only for the purchase of the issuer’s own products or services, or require that they are redeemable for certain gifts that you may have no interest in whatsoever. Webster Bank Rewards Visa will allow you to redeem your bonus points as cash, which can be deposited into your checking or savings account.
You also have the option to use your bonus points to:
That’s a lot of nice redemption options that you won’t get with most other cards.
There is no annual fee. There’s nothing worse than signing up for a credit card rewards program where you have to give back all or a large percentage of the rewards through an annual fee. That won’t happen with Webster Bank Rewards Visa.
Auto rental collision damage waiver. There was a time when this protection was practically standard issue with credit cards, but many card issuers have gotten away from it. But the protection is there with the Webster Bank Rewards Visa, and it will dramatically lower the cost of paying for a car rental, given the cost that the collision damage waiver is sometimes even more costly than the base car rental rate.
Zero fraud liability for unauthorized transactions. As long as you report a fraudulent transaction soon after it occurs, you won’t be held liable to pay for it.
There is probably no such thing as a perfect rewards credit card, and that’s true of the Webster Bank Rewards Visa. I’m highlighting some of the conditions with the card that you may want to consider, though some of them are hardly deal breakers.
Balance transfer fees. Webster Bank charges a fee of 3% of the amount of the balance transfer, subject to a $5 minimum.
Short 0% period. The interest-free period on the card is six months. On many other cards with 0% offers, the interest-free period runs to 12 months, and a few will go as long as 18. (Though such card issuers will usually recover the more generous intro period with higher interest rates later on.)
The points expire after five years. The clock starts running on your points from the end of the quarter in which the points were earned. If you’re in the habit of redeeming your rewards points quickly, this is a complete non-issue. But if you like to save up the points for a major purchase – that will require saving points for more than five years – this may not be the best card offer for you.
Despite these limitations – and recognizing that all rewards cards offers also impose limitations – Webster Bank Rewards Visa has a solid package to offer. The combination of 25% bonus points, no annual fee, unlimited rewards points, and wide open redemption options on those points – as well as the auto rental collision damage waiver and zero fraud liability features – make this an offer well worth looking into.
If you like what you’ve read here, check out the Webster Bank Rewards Visa and give it a try.
The Chase Freedom® Visa is one of my personal favorites. If you need a card that gives cash back and 0% on purchases then this is a card to consider. This card offers 5% cash back on purchases like gas, home improvement, and department stores. If you are an online shopper this card is part of the Chase Rewards Plus program that offers up to 10% cash back when shopping online. An added perks is that this card does not charge an annual fee and new cardmembers can earn $100 cash back. Let’s check out the details.
The card offers a 0% introductory rate on purchases for 15 months. This is ideal if you are making a big purchase and you know you will need some extra time to pay it off. If you need a balance transfer card then you’re in luck because this card also gives 15 months. When you combine both the 0% on purchases and 0% on balance transfers this card is a tough one to beat. After the introductory period is over your rate will be between 13.99%-22.99% (Variable), based on your creditworthiness.
Let’s first talk about the nice bonus this card offers – $100 Cash Back. All you have to do is spend $500 within 3 months and you will earn $100 cash back. For rewards, you can earn 5% cash back categories like gas, home improvement and department stores. They are rotating categories which change every quarter so you have to stay on top of what the categories are so you can maximize your earning. On all purchases that fall outside the 5% categories you will earn 1% cash back with no spending tiers or caps. Chase also offers up to an additional 20% cash back at select merchants when you shop online through Chase.
The Chase Freedom® offers flexible payment options and online tracking to monitor your spending. With Blueprint, your payment and money management options include the following:
Discover Bank offers one of the highest yields available on a savings account. It’s current 0.90% APY is significantly higher than the national average. This is an excellent rate for a savings account that only requires a $500 minimum deposit.
Well known for its cash back credit cards, Discover also has an online bank. The Discover Bank Online Savings Account is one of the highest yielding FDIC insured savings accounts available. There are no monthly fees to maintain an account, the website is easy to use, and funds can be transferred to other accounts.