Archive for July, 2008
Discover is currently offering free airline companion tickets with the Miles by Discover card and a $100 cash bonus with the Discover More card.
Similar to our previous Discover More $100 Cash Bonus Card Offer, which expires on September 29, 2008, these Discover promotional credit card offers are being advertised in the coupon section of Sunday newspapers.
Discover More Card $100 Cash Bonus
The Discover More Card is offering a $100 cash bonus when you make $500 in purchases within 3 months of being approved, but you must be approved by October 27, 2008, in order to receive the $100 cash bonus offer.
Apply for the Discover More Card cash bonus at Apply.DiscoverCard.com, and make sure you enter the Discover promotional code DAWJ to receive this $100 credit card bonus.
You can also call 1-800-210-9022 to apply for this offer by phone, but just remember to mention the promo code DAWJ.
The $100 cash bonus for the Discover More Card will be applied within 8 weeks of meeting the purchase qualifications.
The Discover More Card has no annual fee and offers cash rebates on all of your purchases as well, so it’s a great Cash Rebate Credit Card.
Miles by Discover Free Airline Companion Tickets for 1 Year
The Miles by Discover card is offering free airline companion tickets for 1 year when you make $500 in purchases on your card within 3 months of being approved, but you must be approved by October 27, 2008, in order to receive the free companion tickets bonus.
Apply for the Miles by Discover card at Apply.DiscoverCard.com, and enter the Discover promo code DAWL to receive free airline tickets for your companions.
You can also call 1-800-210-9136 to apply for this offer by phone, but make sure you mention the promotional code DAWL.
Just make $500 in purchases within 3 months of being approved, and you will receive 1 free companion ticket each time you use your Discover Card to purchase an airline ticket for travel within the continental United States through Discover’s travel partner, Affinion Loyalty Group, Inc.
Of course, you will be responsible for any taxes, fees, and airline surcharges, but there is no limit to the number of free companion tickets you can receive for a full year.
You will receive a packet with complete information on this promotion within 8 weeks of completing your purchase requirements.
The Miles by Discover card has no annual fee, and you’ll earn airline miles on all of your purchases that can be redeemed for travel credits, gift cards, and cash rewards.
It’s important to understand that information on these particular credit card bonuses is not supplied on the application pages, but as long as you enter the appropriate Discover promotional code when you apply for the credit card bonus at Apply.DiscoverCard.com, you will receive the promotion as stated.
Take advantage of these Discover card promotions to earn a $100 cash bonus or 2-for-1 airline tickets for an entire year.
Discover Cash Bonus Credit Cards
You may also be interested in the Discover Business Miles Card Cash Bonus, which offers 12,000 bonus miles that can be redeemed for a $100 gift card, $100 travel credit, or other rewards.
The Discover® Business Card is also currently offering a $100 cash bonus after making $1,000 in purchases within 3 months of opening a new account.
Check out our article on the Discover Business Card $100 Cash Bonus for more information on this Discover promotional credit card offer.
Review these other Cash Bonus Credit Cards as well to earn cash bonuses when you apply for credit cards.
The WTDirect Savings Accounts offers a high APY for qualified customers, a low $1 minimum opening balance requirement, no monthly maintenance fees, and no direct deposit requirements to enjoy fee-free banking.
WTDirect Savings Account High APY Offer
WTDirect offers their high yield savings account with the following tiered APY terms.
All WTDirect Savings Account members receive the full APY (currently 3.31%) for the first 60 days from the date the account is opened.
After the first 60 days, accounts with balances of $10,000 or more will receive the fully APY, while accounts with balances less than $10,000 will receive a 0.5% APY.
This allows you to enjoy a high interest rate for 60 days while you review WTDirect’s services in order to decide whether you want to transfer a large amount of funds into your account to receive the ongoing higher APY tier.
Unlike some banks, there are no checking account relationship requirements in order to enjoy this high APY savings account from WTDirect.
WTDirect Fee-Free Savings Account
There are no fees to open or maintain your WTDirect Savings Account.
WTDirect has no maintenance fees, no minimum balance requirements to avoid fees, no direct deposit requirements to avoid fees, no checking account relationship requirements to avoid fees, and no other obligations to enjoy this fee-free savings account from WTDirect.
WTDirect offers free bank-to-bank transfers and free online banking, plus they make transfers between non-WTDirect institutions easy.
WTDirect Secure Savings Account
WTDirect Savings Accounts are FDIC-insured for up to $100,000, so your money is absolutely safe with WTDirect.
WTDirect also offers $0 liability on unauthorized transactions on your account with a safe and secure online banking environment.
WTDirect High Online Transfer Limits
WTDirect offers high online transfer limits that make it easy to save money for large purchases and maintain direct access to your funds.
Transactions of up to $500,000 per transfer into your account and up to $200,000 per transfer out of your account are allowed, with a total monthly transfer limit of $500,000.
High transfer limits make it easy to move money around, especially if you are purchasing a home or plan to make other large purchases.
You may make unlimited deposits and up to 6 withdrawals per month from your WTDirect Savings Account, plus there’s no daily limit to the number of transfers you can make.
In addition, WTDirect allows transfers from outside financial institutions, unlike some banks that require you to only use their site for online transfers.
The WTDirect Savings Account offers fee-free banking with no requirements and no hassles, so take advantage of this high-yield savings account if you can qualify for the high APY or want the convenience of free online banking.
Equifax offers various credit monitoring services including credit report monitoring and credit score monitoring services as well as access to your credit reports and credit scores.
Equifax is one of the 3 major credit bureaus that are used by lenders to review your credit history when qualifying you for a loan, so they’re a trusted source for credit reporting services.
Equifax offers a variety of credit monitoring services to fit your particular needs, whether you are trying to improve your credit score or want to monitor your credit report for signs of identity theft.
Equifax can help protect you against identity theft and credit fraud by monitoring your credit reports for any fraudulent activities on a daily basis, and Equifax can help you assess your credit score by monitoring your FICO credit score for signs of improvement.
Equifax can also provide you with access to your credit reports and credit scores to help you review your credit history and understand your credit score before applying for a loan.
Equifax Credit Report Monitoring Services
Equifax offers various credit report monitoring services to help protect you against credit fraud and identity thieves.
Equifax Credit Watch Gold with 3-in-1 Monitoring and Score Power
Get Credit Watch Gold with 3-in-1 Monitoring and Score Power Now!
Equifax Credit Watch Gold with 3-in-1 Monitoring and Score Power monitors your credit reports from the 3 major credit bureaus on a daily basis, including Experian, Equifax, and TransUnion, and notifies you via wireless alerts within 24 hours of any key changes that could indicate unauthorized activity in your credit reports.
You’ll receive immediate online access to your 3-in-1 credit reports from all 3 major credit bureaus and your FICO credit score, plus you’ll get unlimited access to your Equifax credit report.
You’ll also get up to $20,000 in identity theft insurance to protect you in the event that you become a victim of identity theft while using Equifax.
Equifax Credit Watch Gold with 3-in-1 Monitoring and Score Power costs $14.95 per month, and it provides the most comprehensive protection available.
Equifax Credit Watch Gold with 3-in-1 Monitoring
Get Equifax Credit Watch Gold 3-in-1 Now!
Equifax Credit Watch Gold with 3-in-1 Monitoring provides daily credit report monitoring for all 3 credit bureaus and sends you wireless alerts within 24 hours of any key changes or signs of identity theft or credit fraud.
You’ll also receive your free 3-in-1 credit report and have unlimited access to your Equifax credit report, plus you’ll receive up to $20,000 in identity theft insurance.
Equifax Credit Watch Gold with 3-in-1 Monitoring costs $12.95 per month, however, you won’t receive access to your credit score.
Equifax Credit Watch Gold
Equifax Credit Watch Gold provides daily monitoring of your Equifax credit report and notifies you via email or wireless alerts within 24 hours of any key changes.
You’ll also receive unlimited Equifax credit reports and have up to $20,000 in identity theft insurance to protect you against identity fraud.
Equifax Credit Watch Gold is $9.95 per month, but it only monitors your Equifax credit report and doesn’t provide access to your credit score.
Equifax ID Patrol
Equifax ID Patrol monitors your credit files at the 3 major credit reporting bureaus on a daily basis and alerts you to any key changes in your credit reports.
ID Patrol also scans the Internet for your personal information and alerts you if your financial data is being traded on illegal websites.
ID Patrol gives you the ability to lock and unlock your Equifax credit file in real time, so you can control who has access to your credit report, which prevents identity thieves from ever accessing your information in the first place.
You’ll also receive your 3-in-1 credit report and unlimited access to your Equifax credit reports, plus up to $20,000 in identity theft insurance.
Equifax ID Patrol costs $14.95 per month, and although it doesn’t provide access to your credit score, it does offer comprehensive identity theft protection by monitoring the Internet for suspicious activities involving your personal information.
Equifax Credit Score Monitoring Services
Equifax provides Score Watch to help customers monitor their credit score and achieve the highest credit scores possible.
Score Watch
Equifax Score Watch monitors your FICO credit score on a continuous basis and notifies you when a change to your FICO score impacts the interest rate you are likely to receive, in addition to providing explanations of credit score changes and tips to help you improve your credit score.
You’ll receive 2 free Score Power reports, which provide access to your FICO credit score, plus discounts on additional Score Power reports.
You’ll also receive daily monitoring of your Equifax credit report with notifications of key changes that could be the result of credit fraud.
Score Watch costs $9.95 per month, and it’s ideal for monitoring your credit score for signs of improvement.
Equifax Credit Reports and Credit Score Services
Equifax provides access to your credit reports from the 3 major credit bureaus as well as access to your FICO credit score.
Score Power
Equifax’s Score Power provides you with instant online access to your FICO credit score and Equifax credit report.
Score Power offers tips and information on your credit score and access to the Interactive Score Simulator, which shows you how your actions will affect your credit score.
Score Power has a one-time fee of only $15.95 to receive access to your credit score and credit report.
3-in-1 Credit Report with Score Power
Get an Equifax 3-in-1 Credit Report with Score Power Now!
Equifax’s 3-in-1 Credit Report with Score Power offers immediate online access to your 3-in-1 credit report from the 3 major credit bureaus, plus you get access to your FICO credit score and additional features to help you understand your credit score.
The 3-in-1 Credit Report with Score Power has a one-time fee of $39.95, with the main benefit over Score Power being that you get access to all 3 of your credit reports instead of just your Equifax credit report.
3-in-1 Credit Report
Get a 3-in-1 Credit Report Now!
Equifax’s 3-in-1 Credit Report provides immediate online access to your credit reports from the 3 major credit bureaus including Equifax, Experian, and TransUnion with a wide range of tools and information needed to help you understand your credit reports and access to Equifax’s free online dispute features to help you fix errors on your credit reports.
The 3-in-1 Credit Report from Equifax has a one-time fee of $29.95.
Equifax Credit Report
Get Your Equifax Credit Report Now!
Equifax Credit Report provides access to your single credit report from Equifax to get a quick assessment of your credit history, plus additional tools to help you understand your credit report.
The Equifax Credit Report has a one-time fee of $10.50.
Equifax offers personal assistance and friendly customer services to assist you with any questions you may have regarding your credit reports and credit scores, plus they can help you dispute errors in your credit reports that may help you improve your credit score.
You can always Order Your Credit Reports for Free at least once a year, but you won’t be able to receive free access to your credit scores or get credit monitoring services to help protect your identity, plus Equifax provides many additional services to help you understand your credit reports and credit scores.
Credit Monitoring Services are an excellent way to protect your identity and help prevent credit fraud, and Equifax is one of the major credit bureaus and a trusted provider of credit file information.
Take advantage of Equifax credit monitoring services to protect your identity and monitor your credit score for signs of improvement.
American Express is offering current Starwood Preferred Guest Credit Card members the opportunity to earn 2,000 bonus Starpoints by adding 2 additional credit card members to your account.
Just add additional Starwood credit card members to your current American Express Starwood account, and you’ll earn 1,000 bonus points for each of the first 2 additional credit card members you add, for a total of 2,000 bonus Starpoints.
Apply for the Starwood Preferred Guest® Credit Card from American Express if you don’t already have one, as it offers 10,000 bonus points after your first purchase, which is enough for up to 3 free hotel nights or more, plus you’ll have the opportunity to earn additional points for your everyday purchases.
Read our Starwood Preferred Guest Credit Card Review for more information on this hotel rewards credit card from American Express.
Additional Starwood Credit Card Member Bonus
Visit the Starwood 1,000 Per Additional Card Member Bonus Offer Page to add additional credit card members to your Starwood Preferred Guest Credit Card and earn up to 2,000 bonus points, which is enough for a free weekend night in a standard room at a category 1 Starwood hotel.
You’ll receive the 1,000 bonus points 8 to 12 weeks after the first purchase is made on each of the first 2 additional credit cards you add to your account, as long as the first purchase is made within one year of card approval.
You must be the primary cardholder to take advantage of this offer, and it is not available to corporate cardholders or Starwood business card members.
Additional Starwood credit cards have no annual fee, so you can add your family members to your account without ever having to pay any additional fees, and you’ll earn 1 point per $1 spent on each of your additional card member accounts.
Additional card members can be as young as 15 years old, so you can even add your kids to this account, if you want to teach your children about credit cards while getting an additional 2,000 bonus points.
Check out the Starwood Preferred Guest® Credit Card from American Express to get free hotel nights with one of the best hotel rewards credit cards on the market.
Then make sure you add additional cardholders through the Starwood Additional Card Member Bonus Offer Page to receive up to 2,000 bonus Starpoints from American Express.
American Express is offering fee-free American Express Gift Cards through September 30, 2008.
To receive fee-free gift cards from American Express, simply purchase your gift cards online by September 30, 2008, and enter the American Express promotional code CLEARGC1 when ordering.
The discount applies to the gift card fees only, which range from $3.95 to $4.95 per gift card, however, you will still be responsible for any shipping charges.
The discount only applies to online gift card purchases, so you must visit the American Express Gift Cards Page to order fee-free gift cards from American Express.
You must pay with an American Express Credit Card in order to take advantage of this promotional offer.
American Express gift cards cannot be used at airlines, hotels, Car Rental Locations, telecommunications, gasoline merchants, or ATMs, and they can only be used in the United States, Puerto Rico, and the U.S. Virgin Islands. American Express is no longer shipping gift cards to the states of CT, HI, NH, RI, and VT.
Visit www.AmericanExpress.com/Gift to purchase your fee-free gift card from American Express by September 30, 2008, and make sure you enter the American Express promo code CLEARGC1 to receive your discount.
Take advantage of this promotional offer for fee-free gift cards from American Express while it lasts to purchase gift cards for your friends and family without paying any fees.
LendingTree is an online loan matching service that provides you with free loan quotes from multiple lenders for home loans, auto loans, student loans, commercial loans, and personal loans as well as online realty services.
LendingTree helps you receive multiple loan quotes from competing lenders with no obligations or upfront fees, so you can compare loan offers and select the best loan terms for your needs.
To Receive Free Loan Quotes from LendingTree, simply complete the free online application form, and you’ll receive up to 4 competitive loan offers via email usually within minutes.
You are under no obligation to accept any of the loan offers, and you will be provided with contact information for each of the lenders should you choose to accept a loan offer or if you want to discuss the terms of your loan further and possibly request better rates.
There are no fees to receive your loan quotes, but if you decide to accept a loan offer, you may be required to pay standard loan processing fees. However, you may stop and decline to pay the fees at no cost.
LendingTree offers loans for all types of credit applicants, so you can qualify for a loan regardless of your credit history.
LendingTree’s Network of Online Lenders
LendingTree’s Network of Lenders consists of the LendingTree Exchange service, which is LendingTree’s network of independent lenders, and LendingTree Loans, a wholly owned subsidiary of LendingTree that provides competitive loan offers.
All independent lenders in the LendingTree network are fully certified, and LendingTree provides a customer rating system to provide you with feedback on the various lenders that may contact you.
LendingTree lenders are available for a variety of credit types and loan needs, and you can receive loan quotes regardless of which state you live in or your credit history. However, not all applicants will qualify for a loan.
LendingTree Application Process
The LendingTree online loan form takes about 15 minutes to complete and requires various personal and financial information to help LendingTree match your qualifications with appropriate lenders.
After you submit the loan request form, you’ll receive up to 4 competitive loan offers through your email usually within a few minutes.
There are no fees to submit a loan request form, and no lenders will ask you for any upfront fees.
You simply review your loan offers and contact the lenders if you wish to pursue your loan.
You may contact a LendingTree loan specialist at any time if you wish to discuss your loan offers, and you may choose to reject your loan offers without any penalties.
LendingTree Home Loans
LendingTree offers various home loans including mortgage loans, mortgage refinancing, home equity loans, and home equity lines of credit.
LendingTree accepts loan requests for purchase loan amounts of $40,000 or more for mobile homes and $100,000 or more for all other property types including single-family homes, townhouses, condominiums, permanent mobile homes, 2-4 unit homes, cooperatives, and modular homes, whether it’s your primary home, secondary home, or an investment home.
LendingTree Personal Loans
LendingTree offers personal loans including unsecured personal loans and personal lines of credit.
LendingTree accepts personal loan requests of $1,500 or more in all states except Arizona and Tennessee, where they accept personal loan request of $1,000 or more. Any personal loan requests for less than those amounts will not be accepted.
LendingTree Auto Loans
LendingTree offers various auto loans including auto purchase loans, vehicle refinancing, lease buyouts, vehicle leases, and motorcycle purchase loans from both individuals and dealers, and they offer loans for all types of vehicles.
LendingTree Student Loans
LendingTree offers student loans for undergraduates and graduates that are available for both students and parents of students, including private student loans and federal student loans as well as options for student loan consolidation.
LendingTree Commercial Loans
LendingTree offers commercial mortgage lending and real estate-based business loan options including real estate purchase loans, loan refinancing, cash-out refinancing, construction loans, and short term bridge loans.
LendingTree commercial loans range from $100,000 to $5,000,000 for a wide range of commercial properties including apartment unit loans, light industrial loans, office loans, retail loans, warehouse loans, manufacturing loans, hotel loans, restaurant loans, grocery store loans, automotive services loans, and more.
LendingTree commercial mortgage lending options are provided solely by Commercial Direct.
LendingTree Real Estate Services
LendingTree provides real estate services to help you find a real estate agent, search homes for sale, find newly constructed homes, check home values for any house, get neighborhood information, and learn about real estate in your area.
LendingTree can help you get pre-qualified for a loan and assist you through the entire process of purchasing a new home.
LendingTree is the quickest and easiest way to get multiple loan quotes from competing lenders, and it is especially helpful for first-time home buyers as LendingTree offers personal assistance and a wide range of tools and services to aid you in the home-buying process.
The Aetna Healthy Living Credit Card offers rewards for health and fitness purchases to help you save money while keeping healthy.
The Aetna Healthy Living Platinum Plus Visa Credit Card with WorldPoints from Bank of America has no annual fee, and you’ll earn 3 points per $1 for health-related purchases and 1 point per $1 for all of your other credit card purchases.
Health and Fitness Credit Card Rewards
The Aetna Healthy Living card offers 3 points per $1 for the following health and fitness purchases:
Health and beauty spas.
Weight loss and fitness centers.
Sporting goods.
Dental, laboratory, medical, ophthalmic, and hospital equipment and supplies.
Hearing aides - sales, service, and supply stores.
Orthopedic goods and artificial limb stores.
Most doctors.
Dentists and orthodontists.
Osteopathic physicians.
Chiropractors.
Optometrists and ophthalmologists.
Opticians, optical goods, and eyeglasses.
Chiropodists and podiatrists.
Nursing care and personal care facilities.
Hospitals.
Dental and medical laboratories.
Health practitioners and medical services.
Plastic surgeons.
Ambulance services.
Aetna Rx home delivery.
Merchants including Vitamin Shoppe, Vitamin World, Puritan’s Pride Vitamins, and General Nutrition Corporation (GNC).
You’ll also earn 1 point per $1 everywhere else you use your credit card.
There is no limit to the amount of points you can earn with the Aetna Healthy Living Credit Card, and points don’t expire for 5 years.
Redeeming Your WorldPoints Rewards
You can redeem your points for cash rewards, tickets on major U.S. airlines with no blackout dates, brand-name merchandise, and gift certificates from select merchants and restaurants.
Examples of point redemption rates include a $100 brand-name gift card for 12,000 points, a $25 check for 5,000 points, and a round-trip flight in the continental U.S. for 25,000 points, and rewards start as low as 2,500 points.
Plus, you can redeem your WorldPoints for health and wellness products, exercise and fitness equipment, and sports gear at a 10% redemption discount, which means your rewards can add up even faster.
Who Can Apply for the Aetna Healthy Living Card?
Although the Aetna Healthy Living rewards credit card is designed with Aetna health care members in mind, you don’t necessary have to be an Aetna member to qualify for this credit card, and once your credit card account is opened, the card is yours to keep and use regardless of who provides your health insurance coverage.
To apply for the Aetna credit card, simply call 1-866-626-6262 or apply online at www.NewCardOnline.com, and be sure to enter the priority code FACKTJ.
Take advantage of the Aetna Healthy Living card with health and fitness rewards to save money while maintaining a healthy lifestyle.
You may also want to consider these Cash Rebate Credit Cards to get cash rebates on all of your credit card purchases.
Bank of America is currently offering a $50 banking bonus when you sign up for a Bank of America checking account by October 31, 2008.
To receive this Bank of America banking bonus, just sign up for a new Bank of America personal checking account with a minimum opening deposit of $100.
Just visit the Bank of America $50 Bank Bonus Offer Page to apply for this banking bonus and make sure you provide the Bank of America promotional code AOU260808 to receive your $50 bonus when applying for your checking account.
You can apply online or print the bonus offer page and apply in person for this Bank of America checking account bonus, but the bonus offer does not apply to secondary accounts or current checking account customers.
This banking bonus offer only applies to new personal checking accounts, and your $50 bank bonus will be deposited into your new checking account within 90 days of opening your account.
If you live in a state that has no Bank of America locations, then you can open a MyAccess checking account for free when you apply online. There is usually a direct deposit requirement to avoid the $5.95 monthly maintenance fee for the MyAccess checking account. However, that fee is automatically waived and there is no direct deposit requirement if you live in a state with no Bank of America locations and you apply online for your new checking account. Bank of America has no banking centers in AK, AL, CO, HI, IN, KY, LA, MI, MN, MS, MT, NE, NE, OH, SD, UT, VT, WI, WV and WY.
Take advantage of this Bank of America promotion for a $50 cash banking bonus when you apply for a personal checking account.
Thrifty car rentals is a new preferred partner of the Southwest Airlines Rapid Rewards program, and to celebrate, Thrifty is offering triple Rapid Rewards credits with Southwest Airlines for weekly rentals of 5 days or longer.
Rent a vehicle with Thrifty rental cars for 5 days or longer, and you’ll receive triple Rapid Rewards credits with Southwest Airlines.
Just use the Thrifty promo code WN01 when you make your reservation for Triple Rapid Rewards from Southwest Airlines, and make sure you enter your Rapid Rewards number.
This offer for triple Rapid Rewards from Southwest Airlines through Thrifty car rentals is valid through October 31, 2008.
Read our Southwest Airlines Rapid Rewards Program Review for more information on how to get free airline flights through the Rapid Rewards program from Southwest Airlines.
Thrifty is also currently offering customers car rental discounts on weekly SUV rentals.
Receive 20% Off, time and mileage only, when you book a standard-size SUV at participating Thrifty car rental locations for 5 days or more.
24-Hour advance reservation is required, and this SUV rental discount offer ends on August 1, 2008.
Enter promo code 8CMWK when making your online reservations for 20% Off SUV Rentals from Thrifty.
Check out more Car Rental Discounts from national car rental companies to save money on your next car rental.
myFICO.com is currently offering a 20% discount on FICO Credit Complete, which includes all 3 of your credit scores and credit reports, valid until July 31, 2008.
Get 20% off all 3 of your credit scores from the major credit bureaus, including Equifax, Experian, and TransUnion, plus get access to all 3 of your credit reports as well.
Sign up for FICO® Credit Complete and enter the myFICO.com promotional code Summer20 for 20% off your 3 credit scores.
FICO Credit Complete normally costs $47.85, but the price is only $38.28 with the 20% discount.
MyFICO offers immediate online access to your credit scores and credit reports when you sign up for their services.
Read our myFICO Credit Services Review for more information on myFICO credit monitoring, credit reporting, and credit score services.
Just make sure to take advantage of the myFICO promotional code Summer20 by July 31, 2008, to get your 20% discount on FICO Credit Complete.