Apartment Communities

Apache is functioning normally

Update 7/26/24: It seems this $15/$10 monthly/quarterly credit is ending on July 31st. Be sure to use up your monthly Sapphire Reserve credit, as usual. Also be sure to use up your quarterly Freedom and Sapphire credits which reset on July 1st, if you have not yet used them. 

The Offer

Direct Link to offer

  • Chase teams up with Instacart to offer a statement credit to offset Instacart purchases on all of the various Sapphire and Freedom card varieties. This is on top of the free Instacart+ membership which was released in June. Once activating the Instacart+ membership, you’ll be eligible for the credits.
    • Sapphire Reserve and JP Morgan Reserve gets a $15 statement credit each calendar month; plus free Instacart+ membership for 12 months
    • Sapphire and Sapphire Preferred gets a $15 statement credit each quarter; plus free Instacart+ membership for 6 months
    • Freedom, Freedom Unlimited, Freedom Flex, Freedom Student, and Slate cards get a $10 statement credit each quarter, plus free Instacart+ membership for 3 months


Our Verdict

This is an interesting new addition for the Sapphire Reserve card, especially. Someone who uses Instacart on a regular basis can see a full $180 benefit here. Even if not, maybe you can get some value out of this. Let us know if there’s any easy way to use this credit up.

Remember, again, to cancel your Instacart+ before the end of the free membership since you’ll get auto-charged the renewal fee. I’m not positive, but the monthly/quarterly credits will probably stop after cancelling the membership.

The $60 annual credits on the Sapphire cards and $40 on Freedom cards can hopefully be somewhat useful as well. Again, you’ll only get one or two quarters of credits when utilizing the free Instacart+ trial on these cards. After that the quarterly credits probably won’t continue.


Source: doctorofcredit.com

Apache is functioning normally

The Offer

Check AmEx referral links to see if you can get this offer to show:

  • American Express is offering 200,000 points after $15,000 in spend on the American Express Business Gold card.

The card also has a 0% intro APR for 6 months.


Card Details

  • $375 annual fee, not waived first year.
  • $240 flexible business credit. Up to $20 in statement credits each month after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores
  • $12.95 monthly Walmart+ credit.
  • Card earns 4x points on the two categories your business spends the most each billing cycle, from the following list (up to $150,000 in combined purchases each calendar year):
    • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S
    • U.S. purchases at restaurants
    • U.S. purchases for advertising in select media
    • U.S. purchases at gas stations
    • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
  • 3x points on AmEx Travel

Our Verdict

This is an amazing offer if you can get it to show. People are talking about certain referral links being 200k, but in reality I think it might depend more on the user who use opens the link (depending on location, etc).

No referral links or sharing in the comments below.

Hat tip to reader Jess and to DDG

Source: doctorofcredit.com

Apache is functioning normally

As predicted the refreshed American Express gold card is now live. Benefits are as follows:

  • $325 annual fee ($75 increase)
  • Option of white gold card (alongside gold or rose gold)
  • Card earns at the following rates:
    • 4x on restaurants (limited to $50,000 per year, previously no limit)
    • 4x on grocery (limited to $25,000 per year)
    • 3x points on flights Booked directly with airlines or on amextravel.com
    •  2x points on On Prepaid Hotels and other eligible travel purchases, booked through AmexTravel.com
    • 1x points on all other purchases
  • $7 monthly Dunkin donuts credit (new)
  • $50 semi annual resy credit (new)
  • $10 monthly Uber cash credit (same as before)
  • $10 monthly GrubHub/5 Guys (previously not available on 5 guys, but available on mile bar and shake shack purchases)


How good/bad the refresh is really depends on how easily you can use the additional credits. Personally don’t find these types of cards worth keeping long term as I know I’ll forget to use the monthly credits/end up buying stuff I wouldn’t normally purchase. That being said let’s hope we get some links with no lifetime language. For existing cardholders you will get to take advantage of the new benefits without having to pay the increased annual fee until your next annual fee bills (sometimes there is an additional grace period where they keep billing the old annual fee as well).

Source: doctorofcredit.com

Apache is functioning normally

The Offer

Check your emails for the following offer on U.S. Bank or Elan cards:

  • Earn $15 cash back when you pay two or more electric, gas, water or sanitation bills with your card by October 23, 2024.

The Fine Print

  • This offer runs July 23 – October 23, 2024 (promotion period), and you need to enroll by August 30, 2024.
  • To be eligible for the offer, you must pay two electric, gas, water or sanitation bills either with the same provider twice or two different providers by October 23, 2024.
  • If you qualify, the $15 cash back award will be applied to your account 2-3 billing cycles after the end of the promotion period.
  • The maximum number of cash back awards is one. This offer is not transferable. Your account must remain open and be in good standing (not past due or overlimit) to qualify. This offer may not apply if your credit card has changed to a different type of card within the last 12 weeks or changes before the cash back award is applied. U.S. Bank cannot control how merchants choose to identify their business and/or classify purchases and reserves the right to determine which purchases qualify.

Our Verdict


Easy $15 moneymaker for those targeted.

Hat tip to readers Joseph and private

Source: doctorofcredit.com

Apache is functioning normally

The Offer

Direct link to offer

  • BMO Business Platinum Rewards Credit Card is offering up to 100,000 points. Bonus is broken down as follows:
    • Earn 50,000 bonus rewards points when you spend $5,000 within 3 months of account opening,
    • Plus an additional 50,000 bonus rewards points when you spend at least $50,000 within 12 months of account opening

Card Details

  • No annual fee
  • Card earns at the following rates:
    • Earn 5 points For every $1 you spend on internet and phone services
    • Earn 4 points For every $1 you spend on office supplies and printing
    • Earn 3 points For every $1 you spend on gas
    • Earn 2 points For every $1 you spend on eligible dining purchases
    • All other purchases earn 1x on all other purchases

Our Verdict

Second part of the bonus is basically an extra 1x per $1 spent if you spend exactly $50,000. Not worth it in my opinion based on the earning rates of the card. The first 50,000 bonus is worth considering if the points are worth the same as the personal cards (1.25 towards travel or 1 towards statement credit).

Hat tip to cameron

Source: doctorofcredit.com

Apache is functioning normally

Earlier this year American Express announced plans to refresh up to 40 cards globally this year. In May there was a rumor that American Express would be increasing the annual fee on the Gold card to $325 ($75 increase). During the Q2 earnings called CEO Stephen Squeri stated that “…we look forward to announcing our refreshed U.S. Consumer Gold Card in the coming weeks”. I suspect a few things out of this refresh:

  • Limited time white gold card (this was leaked already on the American Express production server)
  • Annual fee increase (almost all refreshes have included a fee increase)
  • Introduction of resy credits (Squeri mentioned the growth of resy alongside his comments regarding this card)

Some additional rumors can be found here, they include:

  • $50 semi annual Resy credit
  • $7 monthly Dunkin donuts credit
  • Restaurants 4x limited to $50,000 per year
  • Removing milk bar and shake shack from the food credit but adding 5 guys

Source: doctorofcredit.com

Apache is functioning normally

FNBO & Sheetz have partner to launch The Sheetz Visa® Card. Details are as follows:

  • 20¢ per gallon as a statement credit for the first 30 days after Sheetz Visa® account opening
  • 7¢ per gallon Sheetz Visa® Card instant savings at the pump EVERY DAY
  • 3¢ per gallon My Sheetz Rewardz instant savings at the pump EVERY DAY1 (must be registered online)
  • Card earns at the following rates:
    • 5% cash back on Sheetz in-store purchases
    • 1% cash back on all other qualifying purchases (excluding non-Sheetz service stations and fuel purchases)

Our Verdict

Unfortunately this card is trash and not worth considering.

Source: doctorofcredit.com

Apache is functioning normally

We just posted that American Express CEO Stephen Squeri stated that a refresh to the Gold card is coming in the following weeks and it looks like the full details have been leaked on the www2 American Express test server. No guarantees these changes will be coming, but it’s highly likely.

  • $325 annual fee ($75 increase)
  • Launch sign up bonus of 60,000 points + 20% back on restaurants up to $100
  • Option of white gold card
  • $7 monthly Dunkin donuts credit
  • $50 semi annual resy credit
  • Restaurants 4x limited to $50,000 per year
  • Removing milk bar and shake shack from the food credit but adding 5 guys
  • $10 monthly Uber cash credit (same as before)
  • $10 monthly GrubHub/5 Guys

Hat tip to US Credit Card Guide

Source: doctorofcredit.com

Apache is functioning normally

Update 7/18/24: Promotion now live. You get 200 points for registering and then 10,000 points for spending $7,000 by September 21, 2024.

The Offer

Direct link to offer

  • Marriott is teasing an exclusive offer for existing American Express & Chase cardholders. The deal will go live on July 18, 2024

Our Verdict

Cards need to have issued by April 1, 2024 for American Express cards and June 20, 2024 for Chase cards to be eligible for this offer. I don’t expect this to be very good as we saw a spend $7,000, get 10,000 points offer last year but maybe they will prove me wrong.

Source: doctorofcredit.com