Shhh!!! Capital One 360 doesn’t know what “sale” means. They think it means to give away cash.
I have both of these accounts. No Minimums. No fees. No tricks. No brainer.
Black Friday is about deals. Where else can you actually make $200 in ten minutes today?
When you get back from the jungle of credit card wielding, sleep-deprived bargain hunters, reload your bankroll!
Let me know if you have questions. Details here:
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!
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. Here are the new categories:
You 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.
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 schmancy 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.”
Uber-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:
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 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!
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.
UPDATE for 2013 — ING DIRECT is now Capital One 360.
Shhh!!! ING DIRECT doesn’t know what “sale” means. They think it means to give away cash. Now through Sunday night ONLY, they will give you $125 if you open an Electric Orange account, $10 for a Kids Savings Account and more.
I have an Electric Orange account. No credit check. No Minimums. No fees. No tricks. No brainer. So, even if you have HORRIBLE credit you can open an Electric Orange and get $125. Where else can you make $125 in ten minutes this weekend?
Here’s the scoop on those “sales” and the others:
My bromance with my Ink Bold card has never been stronger. Its terms were tweaked on 11/13/12, but I’m still smitten.
Now it is twice as easy to get 50,000 Ultimate Rewards points worth $500 in cash or $625 in travel. The old promotion of getting 25,000 points for making one purchase has left the building.
Why should you get this one? Like I said in the original post, it’s only a few weeks until Christmas, Hannukah… Festivus. Which means you could probably use some extra cash. Here’s how you can actually get $500 tax free by Christmas.
These offers come and go. You can peruse the Free Money tab atop my website. These are NOT all credit card come-ons, but the first one is:
1. ($500-$625) Open a Ink Bold® Business Card. Spend $5,000 in the first 3 months from account opening. Here’s an easy way to help achieve that. You will earn points worth $500.00 cash or $625 in travel. When your statement drops, your points show up (like mine did) and you can have them send you a check. Here’s more on that card.
2. ($50-$75) Get $25.00 with a referral to open a 360 Savings. After your external bank link is confirmed (about 10 biz days), open a 360 Checking account and get $50.00. Both have no minimums or monthly fees. The $25 for 360 Savings is for new customers only, so you need to do that before 360 Checking – if you want both. You can only be new once.
3. ($1,000+) Use a free Bluebird account to maximize your rewards into the thousands. This is NOT a credit card. It’s basically a free checking account that does great stuff.
4. ($500) E-Trade will give you up to $500.00 cash if you open a new account. Move