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. Citi Cash Returns Card - Get 1.2% cash back on all eligible purchases for the first 12 months, and 1% thereafter. This is based on the credit card’s standard 1% cash back for all purchases, cash advances, and balance transfers. The cash back rewards and rebates cover all types of purchases with no special category limitation.
2. Fidelity Investment Rewards Visa - Get 1.5% cash back on every purchase. There is no category restriction whatsoever and it’s my best all purpose credit card for miscellaneous and online purchases.
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.
6. Citi mtvU Platinum Select Visa Card - Get 5% back at restaurants, bookstores, record stores, movie theaters, and video rental stores. 1% for everything 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 Professional Card With ThankYou Network - is currently offering an instant $100 gift card after your first purchase that you can get for places like gas stations and a huge variety of popular stores like Best Buy, Target, and Gap. The card also allows you to earn the ThankYou reward point equivalent of 3% back on purchases at restaurants, gas stations, auto rentals, and office supply stores.
3. Citi Business Card With ThankYou Network - is currently offering an instant $100 gift card bonus after your first purchase. You can also earn 3% back on eligible business purchases.
4. 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.
5. 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).
6. 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.
7. 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. Amex One Card - With this card you receive an instant $50 cash deposit to jump start your savings after your first purchase. You card comes linked to competitive high-yield savings account. 1% of all of your eligible purchases are automatically deposited into the linked savings account in your name.
3. 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.
4. 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.
5. 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.
6. 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.
7. 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.
8. 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.