Get $225 By Spending $500


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225 dollarsWould you spend $500 to get $225 tax-free cash back?  For a limited time – you can!  Chase just increased the sign-up bonus on their Freedom card from $100 to $200 cash back.  They also sweetened the pot with an extra $25 if you add an authorized user.  The card has 0% interest on purchases and balance transfers for 15 months.  See details below.

This is the Visa that I carry in my wallet.  It never has an annual fee.  You always get 1% cash back on everything.  You get 5% cash back on various categories that change every three months.  For example, now through December 31st you get 5% cash back at Amazon.com, Zappos and these Department stores.  January 1- March 31st, it is grocery stores, Starbucks, and movie theatres.

To get the bonus, you need to meet the $500 spending requirement in the first three months your account is open.  That might be pretty easy to do by just paying your phone, internet and cable bills.  $500 in three months is an average of only $5.55 per day.  Like I said, it’s pretty easy to achieve.

Remember, you don’t have to give a card to an authorized user.  You just have to give a name that gets printed on a card for the authorized user to use.  Maybe you get one for the President or First Lady.  It’s your call.

Read my post 11 Ways To Meet A Spending Requirement for some  helpful ideas.  Click on Chip’s Favorite Credit Card Offers and then “Cash Back”.  Email me if you have any questions!
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Capital One 360’s “Sale” (= $ for U)


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YukonCorneliusRevYou guys always wanna know when someone is giving away free money. Well, here you go! Capital One 360 is giving away a lot of cash. Period. You must open your account(s) online by Thursday night, July 3rd at 11:59pm Eastern.

I think the 360 Checking is the easiest $100 you can make. The 360 Savings$76 ain’t too shabby either.

This is a no-brainer because the promotional bonuses are usually $50 and $25 respectively. I keep most of my liquid cash in my Capital One 360 Checking account because it is one of the best rates around. This is legit & FDIC insured.

Open these accounts and you will have $$$ to blow at a shmancy steak joint. Okay, sushi. I’m staying out of it. As Yukon Cornelius would say, “You eat what you like. I’ll eat what I like.”

You have only four days to open your accounts, so… open your account(s) now!  You can always blow it off and not get the free money later.

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Deep Impact Vs Armageddon2

Why NOW Is Home Fix-Up Time


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deep-impact-vs-armageddon2In the summer of 1998, there were two movies about an asteroid coming to destroy Earth.  TWO!  “Armageddon” & “Deep Impact”.  The odds of that happening are about as remote as, well… an asteroid destroying our planet, AM I RIGHT PEOPLE?!  Pardon me for yelling into the microphone.

Here’s another freakish coincidence – of discounts.  Now through June 30th, all THREE cards I wrote about here are giving 5% cash back at Home Depot (Citi Dividend), Lowe’s (Chase Freedom), or Home Improvement Stores (Discover it) up to a certain amount.  The 5% cash back is limited to purchases up to $6,000 annually (Citi Dividend) and $1,500 per quarter (Chase Freedom & Discover it).  Besides 5% cash back which could total $450 tax free, you could also get $200 tax free in sign up bonuses.

Another 10% off
If you are planning on doing some fixing up around the homestead, please read my post “Craigslist for Coupons = Big Savings”.  That will tell you how to find 10% off coupons.

$10,000 for only $8,350
Let’s say you have a

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TDAmer 100 100 Square

Updated 5% Cash Back Categories (+$100 Bonus on TWO Cards)


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If you’re going to purchase something you need, and someone is willing to pay you tax-free cash for doing so – I say let them!

Check out these cash back cards. Right now, Chase and Citi sweetened the deal with $100 bonuses!

Here’s the scoop: Chase, Citi and Discover have credit cards that never have an annual fee and always give 5% cash back in certain categories.  The categories change every three months.  We can use these cards to get up to $900 cash back every year – without changing our spending habits.  That cash back money is tax free.  It adds up!

Instead of using cash, use these cards, get 5% cash back, and then pay off your bill with the cash you were going to spend in the first place.

Click on Chip’s Favorite Credit Card Offers for up-to-date deals, terms, and conditions on these cards and more..  Email me if you have any questions about which card might be right for your situation.

Here are the new categories:

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$252 Tax Free in Two Hours


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252WyoHowdy Numbnuts! This is for folks who are watching their nickels, as well as deal-seekers. We have a pretty cool 7-week window of opportunity here for you to clear $252-$300 tax free. Plus $100 if this is new to you.

The Citi® Dividend Platinum Select® Visa® Card (boy that’s a lot of ®s for a name) is a card that pays 5% cash back in categories that change quarterly. What separates this card from other 5% cash back cards, is that you are only limited to $300 cash back in the 5% categories per calendar year. The others are $75 per quarter.

I love to use my Citi Dividend card for opportunities like this. It has “Drugstores” as one of its 5% cash back categories through March 31, 2014. CVS is a drugstore. Heck, I could earn $300 cash back at CVS in one stop!

Of course, I don’t need $6,000 in bunion pads, wart remover and unmentionables – which I won’t mention. Alas, CVS is more than opiates and Whitman Samplers. Here’s how you can easily get $300 without actually buying $6K in stuff.

Before I forget, you can click on Chip’s Favorite Credit Card Offers for up-to-date deals, terms, and conditions on this card and more.  Email me if you have any questions about which card might be right for your situation.

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YukonCorneliusRev

Capital One 360’s “Sale” ($ for you)

YukonCorneliusRevYou guys always wanna know when someone is giving away free money.  Well, here you go!  Capital One 360 is giving away a lot of cash.  Period.  You must open your account(s) online by Wednesday night, July 3rd at 11:59pm Eastern.

I think the 360 Checking is the easiest $100 you can make.  The 360 Savings$76 ain’t too shabby either.

The interest rates are some of the highest you’ll find.  The promotional bonuses make them a no-brainer.

If this Financial Independence Days “Sale” sounds familiar, ING Direct used to do it.  Capital One 360 bought them.  This is legit & FDIC insured.  I got bonuses previously.

Open these accounts and you will have $$$ to blow at a shmancy steak joint.  Okay, sushi.  I’m staying out of it.  As Yukon Cornelius would say, “You eat what you like.  I’ll eat what I like.”

CapitalOne360FinIndyDays2

Linda Evangelista Thong Cropped Small

What Would You Do For $75.00?


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linda_evangelista_thong-cropped-smallUber-model Linda Evangelista once said, “I don’t wake up for less than $10,000 a day.”  Well, neither should you – if you’ll dial that back to 50-75 bucks.

Are you darn near flat-broke?  If the needle on your fundometer is almost on “E”, why turn your nose up at free cash?  That’s baby-sitter money, a nice dinner, or poker dough!

Capital One 360 simply wants to give you $50 and $25 to date them.  Heck, if you wanted, you could close your accounts after you get your bonuses.  Just say, “It’s not you, it’s me.”  Then spend the $75 on tequila shots.

Remember, you don’t have to leave your current bank.  You are just trying out these Capital One 360 bank accounts.  They can co-exist.  You didn’t get rid of your Pepsi products before you tried Coke.  The scoop:

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Ink Blue Cropped

4 Ways Ink Don’t Stink


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Chip’s Money Tips Subscriber-Extraordinaire Jacko has a question:

“Can you recommend a decent rewards card that will allow me to float some payables for a few months?”

Absolutely!  Three of the four Chase Ink cards have a 0% introductory rate for the first six billing cycles that your account is open.  Float, float on… until Summer!

Ink Classic, Ink Cash, Ink Plus and Ink Bold are similar but different.  If they were unfamiliar food, we might say they all “Taste like chicken.”

Ink Classic, Ink Cash and Ink Plus all have a 0% introductory rate for six billing cycles.  For that time period, there is 0% interest.

The Ink cards were created for business use, but that pretty much includes anyone who makes a buck doing something.  As I have said before, if you are a handyman, nanny, dog walker, actor, or sell stuff online – congratulations the IRS says you are called a sole proprietor!

When you apply for one of these cards, put your name as Name of Business, your social security number as Tax ID Number, and sole proprietor as Type of Business.  It’s all legal and legit.

Before I give you the breakdown of what each card offers, here’s a way to maximize these bonus babies!

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SmallBusinessSaturday ShopSmallCircle Smaller

TODAY is Small Business Saturday


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Happy Guilt-Free Fun Spending Day! Today’s the day to help yourself and small businesses.  Take a minute to enroll all of your American Express cards at ShopSmall.com, then spend at least $25 per transaction on each card to receive a $25 statement credit.   Not sure what to buy?  Try gift cards for local shops, baby!  Confirm participating businesses at ShopSmall.com‘s map.  More details in my posts here and here.

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