Earn Referrals for Your Friends and Family Members Credit Card Applications

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While it’s always vital to seek out the best publicly available offer for the credit card you’re interested in, it’s also important to determine if you can earn a referral bonus for opening up a particular credit card.

Several of the credit card issuers have what’s known as “refer-a-friend programs” that allow you to earn extra cash or bonus points for referring a friend or family member.

Instead of simply going straight to the credit card issuer’s website, or using some blogger’s affiliate link (watch out!), it’s wise to check out referral links too so YOU actually profit from the opening of a new credit card.

This is a particularly useful strategy for couples, who can maximize their sign-up bonuses with these add-on points and perhaps earn enough for a nice round-trip flight somewhere.

Not All Credit Card Issuers Offer Refer-a-Friend Programs

As mentioned, some credit card issuers have a referral program, not all of them. And of those that do, they don’t offer a referral bonus on all of their cards, just on some of them.

For example, Chase has a lot of different credit cards, but only allow you to refer friends and family to certain cards, such as Chase Freedom and Freedom Limited, Chase Sapphire Preferred (not Reserve), and Chase Ink Cash but not Chase Ink Plus, which actually has since been discontinued.

Our Marriott Rewards card wasn’t eligible, but we’ve heard it has been in the past, though the Southwest cards from Chase apparently generate a referral.

You can test any Chase card you have by entering in your last name, zip code, and the last four digits of the card in question. It will either populate the screen below, or it will tell you that the card isn’t eligible for referrals.

Chase Refer-a-Friend

chase refer

If you see this screen, you can send out email invites to up to 25 people per 24-hour period, or blast your social media accounts via Facebook or Twitter. Depends how annoying you want to be here…

With Chase, the max you can earn is 50,000 Ultimate Rewards (or $500) per year via the referral program. So you may not need to annoy a lot of people.

American Express Refer-a-Friend

American Express also allows credit card referrals, though their process is a bit different, and perhaps easier. You simply log-in to the referral page using your normal credentials and it will show you all available cards you can refer friends and family to.

amex refer

As you can see, the Amex EveryDay Credit Card is the only option, and it earns 5,000 Membership Rewards points for each approved referral, with a maximum of 55,000 points per calendar year. That’s 11 approvals per year.

Discover Refer-a-Friend

With Discover, there are refer-a-friend programs for both their Discover it and Discover it Miles cards, though we found out we were only eligible for the standard Discover it card.

discover refer

discover miles refer

You can earn a $50 Cashback Bonus for each friend who applies and gets approved, with a maximum of $500 per calendar year.

Update: We (and maybe you) are now eligible to refer friends to the Discover it Miles card. You get 5,000 miles for each friend who becomes a cardmember and they can earn 5,000 miles after their first purchase within 3 months.

The same maximum of 10 referrals per calendar year applies for Discover it Miles referrals.

In summary, of the four major credit card issuers, Amex, Chase, Citi, and Discover, Citi is the only company to not offer a refer-a-friend program.

Links to each credit card issuer’s refer-a-friend program…

Amexhere

Bank of America – doesn’t have a credit card referral program

Barclaycard – targeted 5,000 bonus mile referral for the Arrival+ MasterCard

Capital One – doesn’t have a referral program

Chasehere

Citi – doesn’t have a referral program for its credit cards in the United States (other countries are a possibility)

Discoverhere

US Bank – has a refer-a-friend link for the FlexPerks card (5,000 FlexPoints per approval)

Wells Fargo – no referral program

Pro tip: These referral programs can and will change over time so be sure to always double-check before you apply for a credit card to ensure you don’t miss out on a nice little payday.

Also take the time to compare all available offers so you don’t miss out on something better, even if you lose out on the referral in the process.

We Got Pitched the 50k Hawaiian Airlines World Elite MasterCard on Our Flight Home from Hawaii

snorkel

We were traveling back to Los Angeles from Maui the other day, when toward the end of the flight, the attendant mentioned a credit card deal over the intercom.

At first, we were a bit surprised to hear the pitch, which lasted what seemed like a full five minutes or longer as the pilots were focused on making their final approach to LAX.

The credit card offer was apparently an exclusive one, and they let that be known to all the passengers on the flight.

Is the 50k Hawaiian Airlines Offer Really Only Available In-Flight?

Instead of the publicly available 35,000 bonus miles, you could earn 50,000 Hawaiian Airlines miles when you spent $1,000 in the first 90 days from account opening with the Hawaiian Airlines World Elite MasterCard from Barclaycard.

Other than that, the offer appeared to be the same. They mentioned the one-time 50% off companion discount for roundtrip travel (in coach) between North America and Hawaii.

Oh, and the complimentary checked bag for the primary cardholder if/when the card is used to book travel directly with Hawaiian Airlines.

There was also the usual $89 annual fee, which was not waived the first year.

In short, the offer from the sky came with an additional 15,000 Hawaiian Miles, which is nothing to sneeze at, assuming you want the card.

We meant to get a paper application, which they were passing out to passengers, but kind of forgot, perhaps because that long and slightly aggressive pitch put us in a bizarre dreamlike state. Not sure, but we forgot. Darn it!

Anyway, we wanted to see how truly exclusive the offer was once we got back home. Was it really only available to passengers on a Hawaiian Airlines flight? Or was that just part of the pitch?

It wasn’t long before we found out that it was indeed a non-public offer, but like most other things in life, there was a way to get the deal without being on a flight or mailing in that paper application.

How to Get the 50k Hawaiian Airlines Credit Card Offer

50k offer

We quickly found out that there was a way to populate the 50k offer by starting the online booking process with Hawaiian Airlines.

In short, you have to go to the Hawaiian Airlines website and select a flight, any flight, and go through the process of pretending to buy a plane ticket.

You don’t have to pretend if you really want to book a flight on Hawaiian.

Anyway, it involves quite a few steps, including selecting the flight, picking a seat, entering in personal information, and so on. Eventually you get to the payment screen, which is the key part of the process.

If, and only if, you select Credit / Debit Card for payment method will the 50k offer show up. If you select Gift Cards / Gift Certificates or masterpass it will not appear.

So, once you click the radio button next to Credit / Debit Card the offer should appear to the bottom right portion of the screen. Then you can click on the offer and snag the extra 15k points, all without actually buying a plane ticket.

Pro tip: Don’t log-in, but do select a one-way flight and skip seat selection (scroll down during that part) to save yourself some time during the quasi-booking process.

As to what those extra 15,000 Hawaiian Miles are worth, you can refer to their award chart. It’s practically enough (you need 20k) to fly one way to/from Hawaii and North America.

It’s also enough for a round-trip flight between different Hawaiian Islands.

Alternatively, the extra 15k miles could be used for a bigger reward, such as a flight to Australia, New Zealand, or Tahiti.

Moral of the story is to always do some digging for the best available offer before you apply. Sometimes it takes a bit of extra legwork, but it can certainly be worth the trouble.

You Can Use a Replacement American Express Card Immediately with Apple Pay

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Don’t you hate it when one of your credit cards gets compromised. Aside from having to call up the credit card issuer and explain what happened, you also lose access to the card in question for a week or two while a replacement is processed.

Clearly this isn’t ideal, especially if the card happens to be one that you frequently use. Even more important if you’re still working on minimum spend to hit a bonus.

Sure, there might not be any liability for the unauthorized charges, which is a sigh of relief, but you’re still left out in the cold while the issuer works on sending out a replacement.

Guess you’ll have to use one of your other cards in the meantime…

Expected Arrival: Next Week

Here’s what happened to us recently. We noticed a charge we didn’t make and quickly contacted American Express to point that out.

After a brief explanation regarding the situation, they went ahead the deactivated the card. By the way, we were on vacation at the time, feeling a little powerless.

When the card was canceled, an email was quickly, maybe an hour later (hours = days on the internet) sent over explaining that a replacement card was processed and would be mailed out in a few days.

A few days is certainly better than a few weeks, but it’s still not fast enough in today’s digital age, is it? We need instant gratification NOW.

Just seconds after that email was sent, another arrived in our inbox letting us know that the new Amex replacement card was updated in Apple Pay.

And not only that, it was ready to use immediately. The email also contained the last five digits of the card, so we knew it was a new card and which one it was when using Apple Pay.

The email said the information was updated “so that you can continue to use Apple Pay to make purchases while you wait for your Card.” Sweet!

How About a Card Ready to Use in an Hour?

Apple Pay replace

Despite the card being compromised, a new digital card was issued within an hour or so and ready for use via Apple Pay.

This meant we could continue to use our Amex card despite the security breach. The only caveat here is that the uninterrupted service does rely on the merchant accepting Apple Pay, which we all know isn’t a foregone conclusion.

In fact, many, many merchants do not accept Apple Pay. But for those that do, this is a great way to get back on your feet after losing a card, especially if you find yourself on vacation or far from home.

Additionally, American Express let us know that any Amex Offers tied to the old card would be automatically transferred to the replacement card, another bonus for those who constantly take advantage of those handy statement credits.

This is one of the many reasons why American Express is tops when it comes to customer service. They actually lost their top ranking to Discover recently, but stuff like this might help them retain their crown.

And this might be a good reason to add your credit cards, at least those from Amex, to Apple Pay. Otherwise you might be without your card for a week.

(photo: David Hilowitz)

Is the MasterCard Black Card Super Lame?

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A dude with an executive desk job who also drives a motorcycle? Rocks an Italian suit in the office, then quickly changes into a cool leather outfit (complete with stylish riding boots) while speeding away, only to change into an unbuttoned, crisp white dress shirt as he walks into a very cool dinner party with perfect hair?

Sure, no problem. You are, after all, a Black Card customer. At least, that’s what the new commercial seems to be attempting to convey. Superhero status. Oh, and did we mention the card is made of metal (stainless steel and carbon)? And the song is the coolest you’ve ever heard?

We’ve seen this MasterCard Black Card ad run a lot on TV recently, during major sporting events like the NFL playoffs. Clearly it’s a big push for the revamped credit card, which used to be a Visa product, but is it effective?

What Does the MasterCard Black Card Actually Offer?

In today’s day and age, we wonder if appealing to lifestyle without offering tangible benefits is still effective? After all, we’ve already got luxury credit cards that come with very real benefits, like Amex Platinum, Chase Sapphire Reserve, and Citi Prestige.

So does anyone care if there’s another credit card out there that’s black and metallic? Maybe, we’re not sure. What we weren’t sure of, at least from the commercial, was what the card actually offered.

After some digging, we found out that the Black Card, which is part of the Luxury Card family of credit cards from Barclaycard, has a $495 annual fee.

That beats out all three of the aforementioned luxury credit cards, which all happen to charge a $450 annual fee.

What’s more, the Black Card doesn’t come with a sign-up bonus of any kind. Again, those other three do, and big bonuses at that.

The Black Card does offer an annual airline credit, but it’s only $100. Meanwhile, the other three cards offer annual credits ranging from $200 to $300.

The one bright spot is Black Card comes with 1.5% cash back on every purchase, and points are worth double when redeemed for airfare.

But again, there are no annual fee credit cards out there that offer 2% cash back on every purchase. And it would take a lot of spending at a rate of 1.5% to earn that annual fee back.

How the MasterCard Black Card Stacks Up

Benefit Black Card (Barclaycard) Amex Platinum Chase Sapphire Reserve Citi Prestige
Annual fee $495 $450 $450 $450
Sign-up bonus n/a 40k points for $3k spent 100k points for $4k spent 50k points for $5k spent
Airline credit $100 $200 $300 $250
Lounge access Priority Pass Select Centurion Lounges, Delta lounges, Priority Pass Priority Pass Select Priority Pass Select
Bonus category 1.5% cash back on all purchases 5X on flights booked via Amex 3X travel, hotel, dining 3x travel, 2x dining
Forex fee None None None  None
Global entry $100 credit $100 credit $100 credit $100 credit
Transfer points? No Yes Yes Yes

As you can see, the luxury credit cards available from four major issuers offer a lot of the same stuff, with some major differences with regard to sign-up bonuses and point-earning categories.

And the Black Card doesn’t allow point transfers to travel partners, another huge benefit to the other cards listed above.

With the highest annual fee of all the cards, you might expect more, such as a healthy sign-up bonus or a larger annual airline credit. At least you can use the credit for airline purchases and not just incidentals.

But is that enough to justify an industry-leading annual fee?

Not sure. At least the cool guy with the motorcycle can get into the airport lounge, thanks to a complimentary Priority Pass Select membership with Black Card. Oh, and he gets Luxury Gifts, whatever those are, and a quarterly Luxury Magazine to read. Sweet.

By the way, there’s a MasterCard Gold Card that’s even more expensive, at $995 per year, which is plated in 24-karat gold. It earns 2% cash back and comes with a $200 annual airline credit. Hmm.

(photo: Véronique Debord-Lazaro)

Barclaycard Arrival Plus Is a Great Travel Companion

pina

While a lot of people tend to focus on a credit card’s ability to earn free flights and hotel stays, it’s best not to underestimate the costs once you actually arrive at your travel destination.

It’s great that the hotel is paid for in advance with those free night certificates, and it’s even better when you’re traveling in first class to get to your destination.

But what happens when the hotel bill comes? Those piña coladas were pretty good, actually they were really good (with the rum float), but they were also $15 a pop. And you drank 24 of them. Shoot.

Come check-out, the bitter reality sets in. Your supposed free vacation all of a sudden got really expensive, this despite the fact that your hotel and flight were “free!”

Don’t Leave Home without Barclaycard Arrival Plus?

Borrowing a famous line from American Express, it might actually be in your best interest to pack the Barclaycard Arrival in your suitcase before you leave for your trip.

Why? Because you can earn 50,000 points after spending $3,000, which can be redeemed for any travel purchase of $100 or more.

That means any in-hotel purchases, car rentals, trains, taxis, limos, cruises, etc. can be erased after the fact. And let’s face it, any trip is going to have a lot of these incidental costs, which often aren’t so incidental.

So, let’s use a real-world example to see where this card would benefit you. As mentioned, you’ve got your free flight to, let’s say, Hawaii, and your free hotel room at the Marriott Beach Resort in Wailea. That’s all good.

But now you’re drinking at the pool and ordering club sandwiches and having a ball. Again, all good, that is, until the bill comes.

A Card That Fills in the Gaps on Your Free Trip

There’s no miles card out there that will pay for incidentals at the hotel you’re staying at, except for one, the Barclaycard Arrival Plus.

Let’s assume you have a bill of $437 after all is said and done. You tell the hotel to put it on your Barclaycard Arrival+ and head back home.

If you hit your minimum spend of $3,000 in the first 90 days, you’d have at least 56,000 points waiting in your account, thanks to the 50k bonus and the miles earned for spending $3,000+.

You get 2X miles on every purchase, so that’s how you wind up with at least 56k. Did we mention you get 5% of your miles back when you redeem them?

Anyway, you get home and you’ve got that pesky $437 hotel charge. Boo. Your vacation wasn’t free. But wait, you paid for the hotel charges with your Barclaycard Arrival+.

That means you can erase the travel purchase with all those miles you accrued. You take 43,000 of your miles and you’re left with a $7 tab.

Yep, all those mai tais and piña coladas and club sandwiches you scarfed down at the hotel pool set you back just $7 when all was said and done.

Hang on. What about the resort fee and taxes that wound up costing $150? Well, you get 2,150 miles back for that 43k redemption, and you still had 13,000 miles leftover. That means you can redeem another 15,000 miles for those charges.

Sweet. All the hotel charges are GONE. And now your free vacation is starting to look and feel a lot more free. You can finally brag to people about your free trip…

Keep in mind that redemptions for travel statement credits start at a minimum of 10,000 miles ($100 value) toward all or a portion of your travel purchase of $100 or more made within the past 120 days.

That means the charge has to be at least $100 in order to erase it. Make sure you combine charges (like charging to your room) to ensure you don’t have a bunch of sub-$100 charges you can’t redeem. And the charges have to be redeemed within about four months.

Pro tip: If you have a spouse or significant other, they too can apply for the card and get the same bonus. Use the second card for other travel purchases, such as car rental, transportation, and so on.

In summary, the Barclaycard Arrival Plus is the perfect filler card to cover all the stuff in between your big-ticket travel purchases to ensure you don’t wind up spending more than you’d like.

Just be sure to apply for the cards well before you leave for your trip…a month or so in advance is a safe play. It can take time to receive the card, especially as Barclaycard can sometimes make some pretty demanding paperwork requests in order to get approved for their credit cards.

And you’ve got to hit the spending requirement too to unlock those miles within 120 days of your travel purchases!

Read more: How Barclaycard Arrival travel redemptions work.

(photo: iaramburu)

Apply for the Chase Sapphire Reserve at a Branch to Get the 100K Bonus

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In case you haven’t heard, the 100,000-point opening bonus attached to the wildly popular Chase Sapphire Reserve card was/is apparently a limited-time offer, something we all fretted about since it came out.

Per the Chase website (we like official sources), the 100k online offer requires you to apply by January 11th. It’s January 12th and that language in still on their website.

Perhaps the webmaster forgot to update the site, or a cached copy needs to be flushed. We don’t know. We just know the 100k online offer is supposed to be long gone by now.

It should have been slashed in half, to just 50k points when you spend $4,000 in the first three months. That’s quite a drop, as you know, making the card just so-so now when you factor in the massive $450 annual fee.

In-Branch CSR Offer Still Comes with 100,000 Points Until March

chase sapphire offer end

The good news is that the reduced offer is only applicable to the online application. You can apply for the Chase Sapphire Reserve in-branch for another two months or so and get the 100k bonus points. The end date is expected to be a full two months later, on or around March 11th, 2017.

Put simply, you should NOT apply for the Chase Sapphire Reserve card online anymore. You’ll get 50,000 less bonus points if you do, at least, that’s what Chase would have us led to believe.

It should be noted that Chase is very accommodating when it comes to matching public offers, so even if you did flub up and apply online, they might honor the 100k bonus if you send them a secure message from within the Chase website.

Still, it’s probably not worth taking that chance if there’s a Chase branch nearby. For those nowhere close to a Chase branch, you might just have to take that leap of faith and hope for a match after the fact.

For those lucky enough to be close to one of their physical locations, there’s another plus to applying for the CSR at a Chase branch. The personal bankers there can see what cards you’re pre-approved for beforehand. That way you can save a credit inquiry if they let you know you don’t qualify.

No senses in running your credit when you know you won’t be approved. Just be warned that they can’t see (as far as we know) your 5/24 status, and this can sometimes be an impenetrable roadblock even if you’re supposedly good to go.

Some people also seem to think approval odds are higher when you deal directly with a Chase banker, as opposed to applying on some credit card blog that urges you to apply, despite your approval odds being low to nil.

Your chances of instant approval may also be higher when you’re at the branch in full physical glory, so you can get your new card with little delay.

Pro tip: Chase now has a 5/24 rule in place that bars you from getting approved for certain Chase credit cards if you’ve opened five or more credit cards in the past two years (from any company).

You can check your 5/24 status on a free site such as Credit Karma. Once logged in, simply navigate to the credit report tab and filter by date to check how many credit cards have been opened in the past two years. If there are five or more you might be out of luck.

(photo: zack Mccarthy)

An Ongoing List of Ways to Meet Credit Card Minimum Spend

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We all know credit card issuers offer some amazing credit card sign-up bonuses. But there’s always a catch – you have to spend a ton of money in a short period of time to get said bonus.

Generally, the best bonuses require you to spend $1,000 or more in the first three months from the date you are approved for the card in question. For some people, this is an easy feat, one they can do in their sleep, literally.

For others, it’s next to impossible because of limited capital, a small credit line, and so forth.

A common spending requirement at the moment is to spend $4,000 in 3 months to earn the mega-bonus on the new Chase Sapphire Reserve card. It sounds like a tough task, but we’ll show you some simple ways to get it done with time to spare.

Before you get started, remember this. The most effective way to meet minimum spend is to throw every single purchase you make on one card until the requirement is met. Then you can go back to earning your point multiples in different categories as you see fit.

Here is a list of the many, many ways you can meet minimum spend to earn that tasty bonus, again and again.

More Than 40 Ways to Meet Minimum Spend

1. Pay your health insurance premiums with a credit card
2. Pay medical bills with a credit card
3. Pay your car insurance premium with a credit card
4. Pay your wireless bill in advance (hint: many months in advance)
5. Pay any other bill you know you’ll continue to pay in advance (cable, utilities, insurance, etc.)
6. Pay your taxes with a credit card (IRS approved!)
7. Pay your estimated taxes with a credit card
8. Pay your rent/mortgage with a credit card through a service like Plastiq (fees apply)
9. Buy gift cards (Amazon, Uber, Starbucks, Grocery store cards, etc. things you will 100% use, eventually)
10. Buy prepaid cards like PayPal My Cash cards, Visa and Amex gift cards, etc.
11. Buy airline tickets, hotel reservations, other vacation expenditures months in advance
12. Align a new credit card application with a large purchase, such as new household appliances, TV, computer, A/C unit, washer/dryer, etc.
13. Buy something for a trusted family member or friend and have them send you the money for it (make sure they actually pay you back!!)
14. Put all your monthly bills on your new credit card
15. Pay other people’s bills with a credit card (again, a very, very trusted person and have them reimburse you with cash)
16. Buy/lease a car and throw the down payment on plastic
17. Pay your car payment with a credit card (Mercedes allows this with a fee)
18. Pay your car registration with a credit card
19. Open a bank account that allows initial funding from a credit card
20. Contribute to a 529 account with GiftToCollege.com
21. Pay for tuition with a credit card
22. Pay your student loans with a credit card
23. Put all your wedding expenses on the new card if getting married
24. Put all honeymoon expenses on the new card
25. Buy an engagement ring with a credit card
26. Set all your Uber, Lyft, etc. accounts to your new credit card
27. Prepay for monthly services annually upfront (12-month discount)
28. Prepay for business services such as domain names, monthly subscriptions, web hosting, etc.
29. Buy inventory, furniture, office supplies, etc. for your business
30. Buy products and resell them online for a small profit (or loss)
31. Apply for a new card before the holidays and buy all gifts with it
32. Apply for a new card before having a child and buy all furniture, car seats, strollers, accessories with the card
33. Apply for a new card after you buy a new home/condo (lots of expenses will come up, trust us)
34. Apply for a new card after you rent a new apartment (gotta furnish it)
35. Fund Kiva loans with a credit card and give back to small businesses worldwide
36. Add an authorized user or two to help chip away at the minimum spend
37. Get an expensive haircut (you deserve it)
38. Get your dog a haircut (he/she looks terrible)
39. Buy new clothes
40. Buy yourself a massage
41. Buy your significant other some flowers
42. Eat out (cover the entire bill and have people Venmo you their share)
43. Go out for drinks (cover bill have everyone Venmo you)
44. Book a hotel/vacation/etc. and have everyone pay you back with cash
45. Do anything where you pay with your credit card and everyone pays you back with cash
46. Pay dental bills (should be enough to cover the entire spend with those insane prices!)

That’s all we can think of at the moment. If you have other bright ideas we haven’t touched upon, please feel free to add them in the comment section. We’re all ears.

By the way, there are other, more unsavory methods out there to meet minimum spend, which we won’t mention because it’s best to keep things above board and stay out of trouble. You never want to bite the hand that feeds…

Also, be careful when using services like PayPal, Bluebird, and Serve, to name a few. They’ve been known to shut down users for engaging in manufactured spending, so sometimes it’s just more trouble than it’s worth, especially if you care about losing said account(s).

Oh, and when buying stuff online to meet your spend, use a rebate portal like CashbackMonitor.com to earn even more points/rewards/cash back in the process.

Remember, when meeting minimum spend, be sure you can actually pay off the entire balance in full every month, otherwise you lose. No ifs, ands, or buts about it. Pay it all off, earn your rewards, and move on.

If you can’t pay it all off, don’t even bother. It’s not worth paying finance charges in exchange for credit card points, unless you’re truly nuts. Go with a 0% APR credit card instead since that’s probably what you need.

Pro tip: It’s actually not that expensive to “pay” to meet your minimum spend. Some payment processors charge as little as 2% (or less) of the transaction amount, so if you needed to spend $4,000, that’d only be $80. Sometimes it’s better to pay the fee than go on a mindless shopping spree like Brewster’s Millions.

Amazon and Chase Launch New 5% Cash Back Credit Card

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If you’re an avid Amazon.com shopper, we’ve got some great news for you. This morning Chase launched the new Amazon Prime Rewards Visa Signature Card, which they say is the only card that offers 5% cash back on all Amazon.com purchases.

On top of that, it comes with a 2-1 rewards structure, whereby you earn 2% cash back at restaurants, gas stations, and drugstores, and 1% on every other qualifying purchase made with the card.

That means for every $100 you spend at Amazon, you get $5 cash back, which is a good deal if you already do most (or all) of your shopping with the mega e-tailer.

Non-Prime Members Earn 3% Cash Back at Amazon

Amazon rewards

If you happen to be a non-Prime Amazon member, you’ll only earn 3% cash back at Amazon with this credit card, but Chase has introduced some new added benefits.

You will no longer pay foreign transaction fees when using the card abroad, and cardmembers will receive a new metal card to show off to their friends.

The non-Prime version also comes with 2% cash back at restaurants, gas stations, and drugstores, and 1% elsewhere. So, for every $100 spent at Amazon, you get $3 back. Do the math to determine if Prime is worth it to you based on how often you shop at Amazon.

If you are already an existing Amazon Rewards Visa Signature cardmember with an Amazon Prime account, you will receive a new card soon. But in the meantime, the new benefits will kick in right away.

Note that there’s no promotional APR with the Amazon Prime Rewards Visa Signature Card. At the time of this writing, both purchase and balance transfer APR were a variable 14.49% to 22.49%.

In other words, you’ll want to pay off your balance in full each month to avoid costly finance charges.

How to Earn 5% Cash Back at Amazon without This Card

There’s actually a well-known (in some circles) trick to earn 5% cash back at Amazon currently, without the need for this new credit card.

If you have an old Chase Ink Plus card that earns 5% back at office supply stores, you can simply purchase Amazon gift cards at places like Staples or Office Depot and apply them to your account.

You will earn 5% back on these purchases up to $50,000 per year, so there’s not necessarily a need for this card if you’ve already got that one.

However, there’s a chance Amazon will change the Chase Ink benefits in the near future, so this new card could soon become the only game in town to earn 5% back at Amazon.

Pro tip: Also look out for the rotating 5% cash back Amazon.com category that is often featured with both the Chase Freedom Card and the Discover it Card. It’s limited to $1,500 in spending, but it’s yet another way to earn 5% cash back at Amazon.

Amazon Prime Rewards Visa Signature Card Highlights:

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  • $70 Amazon gift card upon approval
  • 5% cash back on all Amazon.com purchases
  • 2% cash back at restaurants, gas stations and drugstores
  • 1% cash back on other qualifying purchases
  • No foreign transaction fees
  • No annual fee
  • No limit on rewards you can earn
  • Rewards don’t expire, can be used to purchase Amazon products
  • Can also redeem for cash back, gift cards, and travel

(photo: Joe Le Merou)

A Dynamic List of the Longest 0% APR Credit Cards Currently Available

zero

Credit cards offer a variety of benefits. Sometimes you might be interested in the best sign-up bonus, while other times you might seek out the lowest interest rate possible to offset some large purchases.

Clearly the lowest interest rate available is zero, and credit card issuers are more than happy to offer you this rate on a temporary basis, typically for the first 12 or 18 months as a new cardmember. Then it shoots up to the standard rate, which is always markedly higher.

It’s important to note that these 0% introductory APR periods can range from as little as six months to 24 months or longer, so it’s prudent to check out all available offers to maximize the opportunity.

Note that this list is dynamic and will change as availability changes. Credit card offers certainly come and go frequently so be sure to perform a thorough search both here and elsewhere to ensure you don’t miss a better offer.

We will do our best to keep this list updated frequently so that the very best (and longest) 0% APR offers can always be found here.

Also, note that credit card issuers may distinguish 0% APR between purchases and balance transfers. Some offer 0% APR for both transactions, while others may limit it to just one of the two, such as a 0% APR balance transfer.

Depending on what you need, that will be specified below for your convenience.

The Longest 0% APR Credit Cards

Santander Bank Sphere Card – 0% APR on balance transfers for 24 months, 0% APR on purchases for 12 months

Citi Diamond Preferred Card – 0% APR on balance transfers and purchases for 21 months

Citi Simplicity Card – 0% APR on balance transfers and purchases for 21 months

Discover it Card – 0% APR on balance transfers for 21 months, 0% APR on purchases for 6 months (NEW!)

BankAmericard Credit Card – 0% APR on balance transfers and purchases for 18 months

Citi Double Cash Card – 0% APR on balance transfers for 18 months, no intro APR for purchases

Chase Slate – 0% APR on balance transfers and purchases for 15 months (no balance transfer fee!)

BB&T Bright Card – 0% APR on balance transfers and purchases for 15 months

Chase Freedom – 0% APR on balance transfers and purchases for 15 months

Chase Freedom Unlimited – 0% APR on balance transfers and purchases for 15 months

PNC Core Visa – 0% APR on balance transfers and purchases for 15 months

SunTrust Cash Rewards Credit Card – 0% APR on balance transfers and purchases for 15 months

U.S. Bank Visa Platinum Card – 0% APR on balance transfers and purchases for 15 months

Wells Fargo Platinum Visa – 0% APR on balance transfers and purchases for 15 months

Wells Fargo Propel Amex – 0% APR on balance transfers and purchases for 15 months

Barclaycard CashForward World Mastercard – 0% APR on balance transfers for 15 months, no intro APR on purchases

Upromise MasterCard – 0% APR on balance transfers for 15 months, no intro APR on purchases

Discover it Chrome – 0% APR on balance transfers and purchases for 14 months

NHL Discover it Card – 0% APR on balance transfers and purchases for 14 months

Discover it Miles – 0% APR on purchases for 14 months, no intro APR on balance transfers

These are the standouts (based on length of intro APR) among the 0% APR credit cards you can currently apply for.

*None of these credit cards charge an annual fee, which is another plus.

However, all of them charge a balance transfer fee except for the Chase Slate card, so if you’re looking for a no fee balance transfer, Slate is probably your card of choice.

Note that there are countless other credit card offers that come with 0% APR for 12 months or less, so they are not listed above. In short, they aren’t noteworthy so they aren’t included in the “best of” list above.

Most card issuers offer 0% APR for 12 months by default, so it will never be listed here unless it comes with some other special bonus or a lack of a balance transfer fee.

As previously mentioned, be sure to check the terms of each card carefully as they can and will change over time. Additionally, be sure to differentiate between purchase APR and balance transfer APR. Sometimes it’s the same and sometimes it’s not.

Pro tip: Don’t use the same credit card to transfer a balance and to make new purchases. It could get messy if the APRs are different. Generally, it’s best to reserve one credit card for balance transfers and another for new purchases to keep them separate and more easy to track.