6000 Bonus Thank You Points for a 2 Minutes Survey

July 24, 2008 · Filed Under Bank deals & offers · 1 Comment 

Those with a Citi checking account, you can call 1-866-422-1443 by 08/08/08 and mention code ATTS to get 6000 bonus points. Make sure to tell them you got the offer in the mail. They will ask you to verify your account and ask basic questions(just decline the offers), and the 6000 bonus points will be awarded in 60-90 days.

Here’s the picture of the offer:

6000 points can get you a $50 gift card through their Thank You network. If you don’t have a Citi checking account, the 16000 bonus Thank You points offer is still available. Call 1-866-579-8491 or visit a Citibank Financial Center and mention code: CY54
Make sure to read the fine print. Offer expires 8/31/08

More Citi offers:

CitiBusiness - 15000 bonus points after $250 in purchases. Make sure to read the full review to find out how to get the extra points.

Citi Professional - 10000 bonus points after $250 in purchases. Great card with reward system.

Citi Diamond Preferred - 6000 bonus points after $100 in purchases. 5 Thank You points for every $1 spent on purchases at supermarkets, drugstores, and gas stations for 12 months.

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Footlocker, Footaction, and Champs Sports 30%+ Off

July 23, 2008 · Filed Under Coupons · 1 Comment 

School is about to begin and we could all use a new pair of sneakers. Shoes can cost easily over $100 for a good pair of Nike. Don’t worry, I got you cover with these 30% coupons good from July 24th to July 27th:

Printable coupons:

  1. Footlocker
  2. Footaction
  3. Champs Sports

If you are like me and prefer to order online to save time and money, use these online codes below to get 30% off.

  1. I would shop through Ebates($10 bonus for new member) to get 5% cash back.
  2. At Ebates, search either Footlocker, Footaction, or Champs and go through their links to earn cash back.
  3. Then use these 30% off online codes at checkout.
    Footlocker: FF87L247
    Footaction: FF87V727
    Champs Sports: FF872427

I’m not sure this would work, but you might  be able to get an additional 15% Footlockers cash back by creating a MSN Live account, then go through this Live Search link.

If you are looking for some quick Skymiles points,

  1. Get 20000 skymiles after first purchase with Platinum Delta SkyMiles® Credit Card from American Express ($150 annual fee but it comes with free companion ticket each year)
  2. Get 15000 skymiles after first purchase with Gold Delta SkyMiles® Business Credit Card(No annual fee first year)
  3. Get 15000 skymiles after first purchase with Gold Delta SkyMiles® Credit Card from American Express(No annual fee first year)

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Chase $125 Bonus Ends July 31st

July 22, 2008 · Filed Under Bank deals & offers · Comment 

Just a quick reminder that this Chase $125 bonus page ends July 31st. You can only see the coupon or online sign-up if you sign in first to your Chase checking or credit card account. If not, email me hustlermoneyblog at gmail.com and I can send you the picture for you to print out to take to your local Chase bank. I’m not sure the $25 referral is stackable anymore, but it doesn’t hurt to try.

The physical locations are in Arizona, Colorado, Connecticut, Florida , Illinois, Indiana, Kentucky, Louisiana, Michigan, New Jersey, New York, Ohio, Oklahoma, Texas, Utah, West Virginia and Wisconsin. I believe anyone can sign up online.

You must set up direct deposit in order to get the $125 bonus. Try first with Paypal. If it doesn’t count, then try ING, Citibank, etc etc via ACH transfer to see if it counts as direct deposit. Your account must be opened for 6 months before closing.

Here’s the fine print from the promo:

    It’s easy to get $125!1. Print this page and take it to your local Chase Branch or apply online by July 31, 2008.
    2. Open a Chase Free Checking account with Direct Deposit.
    3. Watch your account. We’ll deposit $125 into your new Chase Free Checking account within 6-8 weeks of establishing direct deposit.Chase Free Checking is more than free, it’s:* FREE with Direct Deposit or 5 debit card purchases*
    * FREE access to more than 9,000 Chase ATMs
    * FREE Online Bill-Pay - including our Online On-Time GuaranteeSM**
    * FREE Visa® Check Card with Zero Liability*** protection
    * FREE Account Alerts sent by phone or e-mail to help you avoid fees
    * FREE access to any of our 3,000 branches nationwide

**If you do apply online, make sure you check the part “no thanks, I don’t want to order checks” since it will cost you $23 to do so

This is highly YMMV since it’s a targeted offer. Once you set up your checking account, enroll your debit card in this $75 Chase promotion. You will get $75 cash back for using your debit card when you charge $750 for everyday purchases. Those with a Chase checking account can try to see it you qualify.

Also, double Visa points at Speedway until Sept. 30th.

Chase FreedomSM Credit Card gives you another $50 bonus after first purchase. Along with your Chase checking account, you will get top 5 categories of 3% cash back.

  • Receive $50 after you make your first purchase
  • 3% Cash Back in your top 3 everyday spending categories
  • 1% cash back for every $1 you spend on all other purchases
  • Receive an extra $50 each time you save and redeem $200 in rewards

    • Apply today!

Chase has also been sending out a lot of promos for unused Chase card. Even if you didn’t get it in the mail, call the number in the back of your card to see if you qualify.

Some include:

  1. 10% rebate for July/Aug/Sept, $100/month max each month
  2. Chase Credit Card Holders in Good Standing $5 Per Day In July For Any Purchase ($155 Max)
  3. Chase Freedom Card: Get $10 or 1000 points using blink

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Best 0% APR Balance Transfer Cards

July 21, 2008 · Filed Under Credit Card bonuses · 3 Comments 

To those who do not know what Balance Transfer(BT) is, I want to explain this as clear as possible.

A balance transfer is an option offered by many credit card issuers for the card holder to use their available credit from one card to pay off the balances due on other cards.

This is just transferring a loan to another loan. Kinda like refinancing your home sort of.  It makes financial sense to balance transfer to a lower rate. Many issuers will offer 0% APR for 12 or even 15 months to balance transfer. After the the 0% APR introductory rate, they will revert back to their normal high rate.

Card issuers are not doing this out of the kindness of their heart. It was set up to make money. Period. However, if you know the terms and play by the rules, doing a balance transfer will save you a lot of money.

How To Do A Balance Transfer

Lets take an example of a person who has a $10,000 credit card balance on 17.99% APR. We call him “Tim” for this example. If Tim continue to make his minimum payment, he will end up paying at least $1800 on interest alone per year! Someone with better math can give me the exact number. This is not counting late fee, over the limit fee, all kinda crap fee that credit cards can pour on Tim.

Tim saw a 12 months 0% APR offer in the mail and decided to do a balance transfer. As you can tell, Tim is not a very smart guy. He didn’t read the fine terms and didn’t know anything about Balance Transfer Fee. The card has a 3% BT fee with no maximum. Bam! He is hit with $300 in fee for a $10K BT. Also, Tim decided to go shopping and buy expensive items with his old card now that the balance is 0. He’s incurring more debt and dig himself into a bigger hole. Luckily, Tim stumble upon HustlerMoneyBlog and learn a few tricks below:

Pick the right cards:

The following cards have no annual fee, balance transfer fee is capped, and balance transfer period is at least 12 months.

  1. Advanta BusinessCard with Rewards - 15 months BT period (3% fee, $90 max)
  2. Advanta Customized Business Rewards - 15 months BT period (3% fee, $90 max)
  3. Chase Business Rebate - 15 months BT period (3% fee, $99 max)
  4. Discover More - 12 months BT period (3% fee, $75 max)
  5. Discover Miles - 12 months BT period (3% fee, $75 max)
  6. Discover Open Road - 12 months BT period (3% fee, $75 max)
  7. Chase Flexible Rewards - 12 months BT period (3% fee, $75 max)
  8. Chase Free Cash Rewards - 12 months BT period (3% fee, $75 max)
  9. Chase Platinum Mastercard - 12 months BT period (3% fee, $75 max)
  10. Chase Platinum Visa - 12 months BT period (3% fee, $75 max)

The first three cards are business cards. Whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. Just put your name as the business name and your social security number as the tax id. Your business is called sole proprietorship and it’s perfectly legal with the IRS.

If you don’t plan to pay off by the end of the 12 or 15 months balance transfer period, then check out these life time balance transfer rates:

  1. Advanta Life of Balance - You will get 2.99% fixed APR for the life of the loan on balance transfer. There is no balance transfer fee.
  2. Blue from American Express - 4.99% fixed APR for the life of the loan on balance transfer. (3% fee, $99 max)
  3. Blue Cash from American Express -  4.99% fixed APR for the life of the loan on balance transfer. (3% fee, $99 max)
  4. Blue Sky from American Express - 4.99% fixed APR for the life of the loan on balance transfer. (3% fee, $99 max)
  5. Clear from American Express - 5.99% fixed APR for the life of the loan on balance transfer. There is no balance transfer fee.

Plan for Balance Transfer

You can request to balance transfer right away on the application or request one over the phone once you get your card. I have successful attempts in the past wherease the CSR waive the balance transfer fee when doing balance transfer over the phone. Simply ask and tell you would like a balance transfer if you do not have to pay the BT fee. YMMV.

Once you have made the balance transfer, it’s very important to not charge up on the balance transfer card. Put the card away and continue to pay the minimum monthly payment. For 0% APR BT, all of your payments during the promo period are going toward principal. A month before the 0% promo period ends, make plan to pay the entire balance off or apply for another 0% APR card to do another balance transfer.

Anything you don’t understand, feel free to comment below.

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$25 E-Trade Bonus, $25 ING, and $20 Virtual Bank

July 20, 2008 · Filed Under Bank deals & offers · 4 Comments 

Here’s the new E-TRADE $25 bonus good until 8/13/08. You just need to open a complete savings account with $1 deposit to get the bonus money. There is no hard inquiry for opening the account. From the website:

$25 will be credited to your Complete Savings Account within 30 days of the account being funded with a minimum deposit of $1. Payments will be reported as interest income. Accounts must be opened by 8/13/2008 to quality for the $25 offer. Must be a new account opened with new funds. Offer applies to one new account per customer. Not good with any other offer. This offer is not valid for E*TRADE FINANCIAL employees

The savings account has a yield of 3.30% APY with more ACH external linking and fast transfer transfer speed.

Here are the features:

  • $1 minimum deposit to open account
  • No minimums or account fees
  • Free online ACH transfer system
  • 6 withdrawal limits per month
  • $100K per day limit on outgoing and incoming ACH transfers
  • ACH transfers complete in one business day
  • 9 day hold time for initial deposit (ACH or check). No hold for wire transfers.

You also could get $20 bonus with $100 deposit for opening a Virtual Bank account. Email me for a referral link.

Don’t forget about the $25 ING Bonus for opening with $250 deposit. Easy money just a click away.

$25 ING Bonus Links - Checking Accounts

  1. ING $25 Referral Link
  2. ING $25 Referral Link
  3. ING $25 Referral Link
  4. ING $25 Referral Link

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Cheap Garmin GPS for $99

July 20, 2008 · Filed Under Hot Deals · Comment 

I went and got this Garmin nuvi 200 GPS for only $99 today. Just choose in-store pick up and use this $50 coupon when paying at the counter. Sign up to be a Best Buy rewards member, which is free to join, in order to use the coupon.

Some people manage to get this free leather case with a purchase of a Garmin. It’s an in-store promo. However, I didn’t get so lucky as the cashier made me choose between the leather case or the $50 coupon.

Garmin is the top brand in the GPS business. There are higher models with more features which are more expensive. However, for starters, I think the Garmin nuvi 200 is a good GPS.

If you are buying an accessories, then be sure to use this 10% off coupon good until July 31st.

Here are the features of the Garmin nuvi 200 GPS:

* Preloaded City Navigator NT map system contains detailed road maps of the continental United States, including Hawaii and Puerto Rico
* Built-in Secure Digital media card expansion slot (media not included)
* 3.5″ QVGA TFT-LCD color, touch-screen display with 320 x 240 pixel resolution and white backlight

* Turn-by-turn, voice-prompted navigation allows the unit to audibly announce upcoming directions, so you can keep your eyes on the road
* Garmin Lock antitheft feature disables the unit from performing any functions until you type in your 4-digit PIN or take the unit to a predetermined location
* Customizable vehicle icons let you choose an icon to represent your position on the map
* Points of interest (POIs) loader program allows you to set up proximity alerts for school zones, safety cameras and customized POIs
* Built-in travel kit includes features such as picture viewer, world clock, currency and measurement converters and a calculator
* Displays both 2D and 3D map perspectives
* USB interface for downloading additional map data
* Built-in, lithium-ion battery provides up to 5 hours battery life
* Ultraslim design fits in your pocket
* Includes suction cup mount, DC adapter, dashboard disk and set-up-and-go guide

Business Gold Rewards Card from OPENSM the small business team gives you 5000 bonus points = $50 gift card for signing up.

  • Business ownership has become more rewarding
  • Earn up to 40,000 bonus points in one year - enough for one domestic round-trip airline ticket plus other business supplies.
  • Points have no expiration date
  • No limit to the number of Membership Rewards® points you can earn
  • No annual fee for the first year - a savings of $125
  • No pre-set spending limit* and no finance charges
  • Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
  • Automatic Complimentary enrollment in the Membership Rewards® program
  • Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees

    • Apply Now!

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$50 Bonus Per Discover Card

July 19, 2008 · Filed Under Free Random Money · 1 Comment 

Get a $10 Discover Gift Card for every $100 you spend on your Discover Card at participating malls from August 1 through September 7, 2008. Get up to $50 Discover gift card for spending $500.

This deal has been around for awhile now. Back then, you could get up to $100 per Discover card. Those were the good old days. If it’s legit, then I’m down with it. In order to get the $50 gift certificate, you must buy $500 worth of merchandise in the participating mall. I would choose a big retailer like Sears or JcPenny with an easy return policy.

Here we go again, round 3:

  1. Get a Discover Card if you don’t have one.
  2. Starting August 1st, go to the closest participating mall.
  3. Buy something over $500 from a major retailer with an easy return policy (umm…JCPenny??) at the mall.
  4. Bring the receipt to the mall’s customer service representative to get $50 gift cards.
  5. To be safe, activate your gift cards and spend the $50 gift cards.
  6. Finally, go to a non-participating mall with the same retailer to return your item(s).
  7. Do this all over again if you have another Discover card.
  8. If you have more than one participating mall close by, you can use the same Discover card to start all over again.
  9. This promo expires 9/07/08.

Discover® Business Card is giving $100 cash back bonus after $1000 in purchases. Use your SS # and real name as business name under sole proprietorship to sign up for business credit card.

In Summary:

  • Earn $100 Cashback Bonus when you apply now**
  • 0% Intro APR* on Balance Transfers and Card Purchases for 12 months
  • 5% Cashback Bonus® on office supplies, 2% on gas, up to 1% on all other purchases
  • Earn 5 to 20% Cashback Bonus at top retailers through Discover’s exclusive online shopping site
  • No Annual Fee
  • Fee-free Purchasechecks that earn Cashback Bonus®. to pay merchants who don’t accept credit cards
  • Free employee cards with customizable limits and monthly reporting on their spending Apply Now!

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Save a Few Bucks

July 18, 2008 · Filed Under Hot Deals · 4 Comments 

With electricity bills over $400 last month*, my plan is to stay at Starbucks to work on my blog as much as possible. I don’t know about you guys, but Starbucks is making a killing out of me. This month alone, I spent over $50 on coffee. I like the Starbucks’ atmosphere. Get yourself a $5 Starbucks gift card, then register your card to get free coffee coupon, free refills, and two hours of free internet everyday. My time here is much more productive with less distractions than staying at home. Okay, I lied..other than the cute girl walking in every now and then. Say it with me “Hottieeeee!” oh man, life is good!

Anyways, here are a few coupons to save you money on coffee and such.

  1. Free Starbucks small Frappuccino, Ice brewed coffee, iced Espresso, iced tea, one per person, per transaction.
  2. Borders is a good alternative place to chill out. Enjoy this 12 oz beverage with any cafe purchase.
  3. Tired of drinking coffee? Try out this Jamba Juice Buy One Get One Free drink. Good until 7/30/08.
  4. Not only drinking coffee hurt your wallet, driving there is expensive with gas over $4 a gallon. Let me hook you up with $10 worth of gas.
  5. Of course I plan to watch the new Batman Dark Knight movie. However, you can buy any 3 Hershey’s candy 10.5 - 17.25 oz (selected varieties) and get one free movie ticket coupon for The Dark Knight.

*Note to self, write up a good post on how to hustle on electricity bills.

American Express® Preferred Rewards Gold Card gives you 10000 bonus points = $100 gift card after first purchase.

  • No annual fee for the first year - $125 Thereafter
  • Earn 10,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $100 gift card!
  • No Pre-Set Spending Limit
  • The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend. You can redeem points for your choice of truly exceptional travel, shopping, and entertainment rewards.
  • Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
  • Global Assist® Plus Hotline and many more benefits included.
  • Express Approval. Get a decision in less than 60 seconds.

    • Apply Now!

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Latest Money News

July 17, 2008 · Filed Under Hot Deals · 2 Comments 

Can’t get enough of all the deals on the web? Here are the latest money news to save you major cash!

  1. 0.9% BMW Annual Percentage Rate Offer - I don’t recommend to anyone to get a new car especially if you can’t afford it. But if you are a baller and must roll with a new Bimmer, then get 0.9% financing for 60 months until July 31st.
  2. Free Garmin 660 and $200 Shell Gift Card - If you can afford a Bimmer, then you are likely to have $100K in the bank to do the TD Ameritrade transfer deal.
  3. Capital One 3.75% Savings + $60 Bonus - Whoaaa hold your horses. You need to be a Costco member to sign up and an Executive member to get $60 bonus. Also, $10K to earn the 3.75% APY.
  4. Free Movie Ticket - You must be a Discover cardmember in order to get the Buy One Get One free movie ticket. Don’t have a Discover card? Get this 5% cash back on special categories with the Discover More.
  5. Keybank free Ipod Nano or Touch -Get an iPod when you open a qualifying checking account at KeyBank and make one debit card transaction plus a combination of two direct deposits or automated payments each of $100 or more.

Business Gold Rewards Card from OPENSM the small business team gives you 5000 bonus points = $50 gift card for signing up. Use your SS # and real name as business name under sole proprietorship to sign up for business credit card.

  • Business ownership has become more rewarding
  • Earn up to 40,000 bonus points in one year - enough for one domestic round-trip airline ticket plus other business supplies.
  • Points have no expiration date
  • No limit to the number of Membership Rewards® points you can earn
  • No annual fee for the first year - a savings of $125
  • No pre-set spending limit* and no finance charges
  • Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
  • Automatic Complimentary enrollment in the Membership Rewards® program
  • Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees

    • Apply Now!

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Citi Professional Thank You $100 Bonus

July 16, 2008 · Filed Under Credit Card bonuses · 3 Comments 

If I have to pick a good reward program credit card, I would go with the Citi Professional Thank You. Currently, they are running a $100 bonus promotion whereas you get 10,000 Thank You points after $250 in purchases. Once you get your 10,000 points, you can redeem it for $100 gift certificate at any of these stores. Some of these stores include Best Buy, Sears, Target, Gap, Home Depot, etc.

Citi Professional Thank You is just an overall good card with their thank you points reward program.  The card gives you 3% back on restaurants, gas stations, auto rentals, and office supply merchants. Also, there is no annual fee and they itemized your spending report every quarter, telling you what kind of purchases you made. On top of the $100 bonus, you will get 12 months of 0% APR on purchases.  I highly recommend the Citi Professional for the everyday usage.

Citi® ProfessionalSM Card with Thank YouSM Network gives you 10000 Thank You points bonus after $250 in purchases = $100 gift card

  • No Fee Rewards Program
  • Get 3 ThankYou Points for every dollar you spend at restaurants, gas stations, on auto rentals and certain office supply merchants.
  • 1 ThankYou Point on every other dollar spent.
  • Redeem your points for: air travel, statement credit, gift cards and certificates, merchandise or create your own reward.

    • Apply Now!

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