Apartment Communities Archives - Page 8 of 224

Apache is functioning normally

August 31, 2024 by Brett Tams

Many readers report getting an email from Navy Federal (NFCU) about their cashRewards card that it will now earn 2% cashback on all purchases.

Email Subject: (Firstname), Unlimited 2% Cash Back: You Just Got Upgraded! 🎉

Previously the card earned 1.5% cashback everywhere, or 1.75% with direct deposit. Select customers now have an offer to get an additional .5% bonus on all purchases. (Not clear if direct deposit customers will get 2.25%.)

For now this is 2% everywhere card for those targeted. I’d guess they are piloting this with some users as they consider updating the card to earn 2% for everywhere, we’ll see. The public landing page still shows the 1.5% rate.

The card has no annual fee and no foreign transaction fee. It also has a nice signup bonus of $300 and signup bonus of a potential $98 Walmart+ credit.

Navy Federal is only available for military and veterans – full eligibility information can be found here (plus family members. Even if they are deceased). Learn more about Navy Federal credit cards in the post Navy Federal Credit Union (NFCU) Credit Cards: List, Best Cards & Things You Must Know.

Source: doctorofcredit.com

Apache is functioning normally

August 31, 2024 by Brett Tams

The 90,000 points offer on the Chase INK Unlimited card just went live online by following the steps outlines in this post. The quandary for many of us is that we’d like to also get a 40,000 points referral bonus for a friend who refers us to the card. That referral offer is ending on September 2, 2024, and it seems unlikely we’ll see referral links with the 90,000 offer before that date. And so we’re stuck either signing up for a 75k bonus with 40k referral or waiting

Those who are mainly signing up for the bonus might do better going for the 120,000 offer on INK Preferred. However, it’s worth noting that it’s not guaranteed that you’ll end up getting the match on that card either since your approval might not come until after September 5th when that bonus ends. Once there’s no public landing page, it’s by no means certain you’ll get a match from Chase.

Another option is to signup for the 75,000 INK Unlimited offer via a 40,000 referral link and then hope to get the bonus matched. If we’ll assume the 90,000 INK Unlimited offer goes public soon and also that they match it, there is a chance to get a match will get backdated before the public offer date. With the recent INK Preferred bonus increase we saw them backdate it a full month, and it’s likely they’ll match this one at least from August 25th/26th when it went live in Chase branches.

Ultimately there’s no perfect solution here, and we’ve left with a number of options:

Signup directly for the 120,000 INK Preferred without any referral bonus
Signup for the 100,000 INK Preferred offer via 40,000 referral link. Even if you get approved after September 2nd, you’ll still get the 40k referral bonus. And hopefully you’ll get approved quickly and/or will somehow be able to get the match on the 100k bonus to 120k.
Signup directly for the 90,000 INK Unlimited without any referral bonus (we discussed in the original post why this offer might be superior to the 120,000 INK Preferred offer)
Signup for the 75,000 INK Unlimited offer via 40,000 referral link. Even if you get approved after September 2nd, you’ll still get the 40k referral bonus. And we can hope that it will be possible to get a match and increase the signup bonus from 75k to 90k.
Wait and hope that the referral offer on the INK Unlimited card gets update to 90,000, and then signup for the 90k card bonus + 20k referral bonus.
Signup directly for the 120,000 (after $6,000 spend) INK Unlimited at a branch through a Business Relationship Manager. See details about this offer in this post.

Source: doctorofcredit.com

Apache is functioning normally

August 30, 2024 by Brett Tams

The Offer

Many people are seeing an increased signup bonus on the American Express business Platinum card when using a incognito mode:

Get 250,000 Membership Rewards points after you spend $20,000 within 3 months of signup.

Card Details

Annual fee of $695 is not waived the first year
Card earns at the following rates:
- 5x points per $1 spent on purchases made with airlines or hotels booked directly from AmericanExpress Travel website
- 1.5x points on qualifying purchases of $5,000 or more
- 1x points on all other purchases
$200 airline incidental credit per calendar year
Lounge access:
- Centurion lounge access
- International American Express lounge access
- Delta SkyClub lounge access
- Priority pass select membership
- Airspace lounge access
Marriott gold status
Hilton gold status
Fee Credit for Global Entry or TSA Pre✓
No foreign transaction fees
View these other hidden benefits
SoulCycle benefits

Our Verdict

Different to the other 250k offer as this doesn’t require login. Great deal if you’re targeted, unfortunately still has lifetime language. If this is widely available we will add it to our list of the best credit card bonuses.

Hat tip to CredibleDan

Source: doctorofcredit.com

Apache is functioning normally

August 29, 2024 by Brett Tams

Hawaii State Federal Credit Union offers the Always Cash Visa Signature Rewards Credit Card. This card offers the following:

2.5% cash back on the first $5,000 each month, 1.25% cash back on any amount above that
Must have Hawai’ian residency to open a new account
No annual fee
No foreign transaction fees

Hat tip to reader Amanda

Source: doctorofcredit.com

Apache is functioning normally

August 29, 2024 by Brett Tams

Update 8/27/24: reader Physicist points out that you’ll still be able to get a full $.01 per point when redeeming into a U.S. Bank bank account, or when redeeming for travel either in the Altitude Rewards Center or redeeming for travel with Real Time Rewards.

Update 4/10/24: Landing page also says that GigSky benefit will be removed on 8/31/2024.

Original Post:

U.S. Bank has announced major changes coming to the Altitude Connect card, effective September 9, 2024:

Biggest changes:

The $95 Annual Membership Fee will be removed.
Points are going down in value from 1 cent-per-point to .8 cents per point. This is true for cash back, Real-Time Rewards, U.S. Bank Rewards Card, Shop with Points at Amazon.com and Paypal. You can still get 1 cent per point in the Altitude Rewards Center when redeeming for travel.
The $30 credit for annual streaming service purchases will be discontinued.

Points Earnings:

4X points at gas stations and EV charging stations will be limited to your first $1,000 each quarter.
The card earns 2X points on dining, streaming services and at grocery stores. Beginning September 9, 2024, discount stores/supercenters and wholesale clubs are excluded.
You will continue to earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center and 4X points on travel purchases.

Other Changes:

New benefit: Points can be redeemed for a monetary charitable contribution across a variety of nonprofits and U.S. Bank will match your contribution at 100%.
The cell phone protection benefit will no longer be available with your card.

Final Thoughts

All other benefits remain unchanged. Notably, the card will keep the Precheck or global entry credit. The card also offers complimentary Priority Pass Select membership with 4 free visits. These are sweet perks for a no-fee card.

Altitude Go Card

It’s not clear to me of what changes are happening to the Altitude Go card. It appears from this page that the card will maintain its $15 streaming credit. I’m not sure if points are going down to .8 cents per point on that card.

Hat tip to reader TJ

Source: doctorofcredit.com

Apache is functioning normally

August 28, 2024 by Brett Tams

Over the next few months Capital One plans to redesign all of their credit cards. This is a cosmetic change with cards going for a more simplified look similar to the new Capital One Quicksilver card design.

My suspicion is that this will be done alongside new cards launching and increased sign up bonuses, but this could be done independently of each other.

Hat tip to Silkychurn

Source: doctorofcredit.com

Apache is functioning normally

August 27, 2024 by Brett Tams

PNC recently launched the Cash Unlimited Visa Signature. Card details as follows:

$250 bonus when you spend $1,000+ within the first three months
Card earns 2% cash back on all purchases
$0 annual fee
No foreign transaction fee
$800 cell phone protection
12 month interest fee period on purchases and balance transfers ($5 or 4% balance transfer fee)

Interesting card due to the 2% back and no FTF or annual fee for everyday purchases.

Source: doctorofcredit.com

Apache is functioning normally

August 27, 2024 by Brett Tams

Capital One has announced that as of 8/12 the lounge fees for non cardholders will be increasing from $65 to $90. Venture X and Venture X Business cardholders continue to get the special rate of $45 for guests (the first two guests are free). Can’t see this having much of an effect on overcrowding as the $65 rate was already expensive but maybe some very slight incremental revenue for Capital One.

Source: doctorofcredit.com

Apache is functioning normally

August 25, 2024 by Brett Tams

Many Reddit users report receiving $10.xx checks for money owed to them as being American Express Business cardholders. Apparently there were $10 wireless credits not paid out and these are being sent out with interest. Some people got $20.xx check or $30.xx checking, presumably for some months combined. Some got even a dozen or more of these checks. It’s been sent even to people who are not aware of any missing credits, so keep an eye out and don’t throw out the mail too quickly.

Source: doctorofcredit.com

Apache is functioning normally

August 24, 2024 by Brett Tams

The 120,000 signup bonus on the Chase INK Preferred card is slated to end on September 5th at either 7am or 9am, according to websites with a Chase affiliate relationship. Typically there are still links lying around for another few hours or days, and that might happen this time as well.

Personally I tried and got declined for the card a couple of months back. I’ll lob in another application now and hope for the best.

Important note: Chase business applications typically go through a review process before approval which can take a week or two. Since the best current practice for most people is to signup via referral link and then request a match, I’d recommend signing up today so that the public links are still available when you are approved. This will make it possible to get the match. Otherwise YMMV, and likely you won’t be able to get matched.

Source: doctorofcredit.com

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Apache is functioning normally

Apache is functioning normally

Apache is functioning normally

Apache is functioning normally

Apache is functioning normally

Apache is functioning normally