Money Blue Book

Updated List Of All The Best Credit Card Deals and Offers Available

I use credit cards to pay for everything, and over the years I’ve racked up a tremendous amount of credit card rewards, cash back rebates, and bonus airline miles. I use a personal combination of credit cards to maximize my rewards and free cash rebates for different purchase categories. Certain cards even offer instant $100 gift card rewards for new sign ups that I like to apply for and take advantage of.

You might notice that some of the following offers are business credit card related. Keep in mind that anyone can apply for a business credit card, even ordinary consumers and individuals who don’t actually own a small business. Simply by submitting your social security number (SSN) as your business ID, you can properly apply for a business card as a sole proprietorship.

So aside from a few wads of emergency cash that I always carry around, would you like to know the selection of credit cards that are tucked away in my wallet at all times?

Here Are the Credit Cards I Carry Around and Actively Use:

1. Advanta Platinum 90-Day Interest Free Business Card - This new favorite card of mine is most certainly not your usual straight cashback reward credit card as there is no other credit card program out there quite like it. The permanent 90 day interest free rolling offer on all credit card purchases is not a limited one time introductory offer, but a constant year after year feature. Not only do you get to earn the equivalent of 1% cash back on all purchases made (1 point for each $1 of card usage) with unlimited reward earning potential, you also get to enjoy a very nice and long 3 month (90 days) grace period on your bill. What this means is that as the cardholder, you are exempt from paying any interest on new purchases until after 90 days – that’s a whole quarter worth of savings, thanks to the very attractive Advanta Platinum 90 Day Interest-Free. Definitely a nice card for big time shoppers.
2. Citi Cash Returns Card - Get up to 6% cash back on purchases. Earn a full 1% cash back on every purchase plus an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center. Cardholders also get to earn a 20% bonus on the cash back earned on all purchases for the first 12 months for the equivalent of 1.2% cash back during the promotional period.
3. Starwood Preferred Guest American Express Card - Earn 1 Starwood point for every $1 spent. Without a doubt, the Starwood credit card is the most versatile travel rewards card. Read my (detailed review). Points can be applied towards Starwood network hotels and most frequent flyer programs. You can also earn an extra 25% frequent flyer bonus. Currently offering a wealth of sign up bonuses. See below.
4. American Express Blue Cash - Get up to 5% cash back at grocery stores, gas stations, and drug stores, and up to 1.5% cash back on everything else. The card offers a tiered rebate program - after total annual purchases exceed $6,500, you get the higher rebate. Until then, you earn 1% back on the special categories and 0.5% on everything else. Read my (detailed card comparison).
5. Chase Freedom Visa Signature Card - Get 3% cash back each month on the first $600 in eligible purchases in your top 3 spending categories. Thereafter, you earn 1% cash back for every thing else.

Free $200 Gift Card Offer - Credit Card Sign Up Promotions:

1. Citi Premier Pass Elite Card - is offering a $200 store gift card reward after you make $600 of purchases within 3 months. The gift card is redeemable with the 20,000 reward points you’ll receive. With this card you earn 2 points for purchases at supermarkets, drugstores, gas stations, and for commuter transportation. Plus you also earn 1 reward point for every mile you fly. $75 annual fee applies.

Free $100 Gift Card and Instant Cash Back Offers - Credit Card Sign Up Promotions:

1. Discover Business Card - is currently offering an instant $100 sign up bonus after you spend $1,000 within the first 3 months of receiving this card offer. With the Discover Business card, you or your business can earn up to 5% cash back on qualified purchases that cover business related expenditures as well. The card also offers a 12 month, 0% balance transfer and purchase promotion with a 3% balance transfer fee, capped at $75.
2. Citi Business Card With ThankYou Network - is currently offering 10,000 ThankYou® Points After $250 in purchases, redeemable for a $100 gift card. You can also earn 3% back on eligible business purchases.
3. Citi Premier Pass Card - is offering the equivalent of a $100 store gift card after you make $300 worth of purchases within the first 3 months. The gift card is redeemable with the 10,000 reward points you’ll receive. With this credit card you earn 1 reward point for every dollar spent and 1 reward point for every 3 miles you fly. You also earn 1 point for every 3 miles flown by anyone else whose tickets you buy with the card. There is no annual fee.
4. American Express Starwood Preferred Guest Card - is currently offering 10,000 Starwood points after you make your first purchase. The instant points are redeemable for a $100 gift card to Amazon.com and a wide array of popular retailers. The points can also be redeemed for hotel stays and converted into airline frequent flyer miles for free flights (1.25 miles per point). Plus, you can also earn an additional 15,000 points if you spend $15,000 in 6 months. With the usage reward points you would normally earn with the card and all of the promotional bonuses, you can earn a grand total of 40,000 points, which is redeemable for a free $400 gift card or 50,000 frequent flyer miles (enough for 2 free roundtrip airline tickets).
5. Amex Starwood Preferred Guest Business Card - is also offering an instant credit of 10,000 Starwood points enough for yet another $100 gift card to the retailer of your choice, or flight miles.
6. American Express Preferred Rewards Gold Card - is currently handing out 10,000 membership reward points for new sign ups. After your first purchase, the points can be instantly redeemed for a $100 gift card at a wide array of popular retailers. You also get access to special Gold Card events such as exclusive concerts and sporting events. With this offer, the first year’s annual fee is waived.

Free $50 Gift Card Offers - Credit Card Sign Up Promotions

1. Chase Freedom Visa Signature Card - is offering a bonus $50 gift card after your first purchase. You can also earn 3% cash back from your top three spending categories.
2. American Express Preferred Rewards Green Card - is currently handing out 5,000 membership reward points for new sign ups. After your first purchase, the points can be instantly redeemed for a $150 gift card. With this offer you can earn unique travel rewards, and the first year’s annual fee is waived.
3. American Express Business Gold Rewards Card - is offering 5,000 welcome bonus points for new cardholders after your first purchase. The points can be redeemed for a quick $50 gift card. With this offer you earn 1 Membership Reward point for everything you purchase with no limit to the number of points that you can earn. The annual is waived for the first year and $125 thereafter.
4. American Express Business Green Rewards Card - is offer 5,000 welcome bonus points after you make your first purchase. The points can be redeemed for a $50 gift card. With this card you can get 1 Membership Reward for everything you buy with no cap to the number of points that you can earn.
5. Bank of America Major League Baseball Extra Bases Card - Along with the $50 gift card bonus, earn points redeemable for baseball merchandise and airline tickets.
6. Bank of America NASCAR Race Points Platinum Plus Visa - An addition to the $50 gift card, earn a point for every dollar spent, redeemable for NASCAR events and merchandise. Top redeemable reward: Become a crew member for a day.
7. Bank of America NFL Extra Points Platinum Plus Visa - Get a free $50 gift card, and earn a point for every dollar spent, redeemable for NFL sporting events and merchandise. Top redeemable reward: Tickets to the Super Bowl.

This entry was posted on Friday, April 4th, 2008 at 7:00 pm and is filed under Credit Cards, Deals and Offers, Make Money, Shopping. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.