DansDeals.com

OBi100 For $29.99 Shipped From Newegg; Unlimited Free Calling From Your Landline

Related:
-OBi Makes Up With Google Voice
-My $0/Month and $0.00/Per Minute Landline Phone…
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OBi100 For $29.99 Shipped From Newegg

Use $12 off code: EMCAKKP56

This sells for $39.97 from Amazon where it has 4.6 star reviews.

The OBi now officially supports Google Voice and allows you to make unlimited phone calls to the US and Canada for free with no monthly or per minute fees. Calls to other countries are very cheap as well.

HT: moshe_m,via DDF

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iPhone 5 Armband For Running And $1 Amazon eBook Or Video Credit For Free Shipped With Amazon Prime!

Update: DEAD
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iPhone 5 Armband for running

Use code: IXFU338T

If you have Amazon Prime you’ll get free shipping and at checkout you can select “FREE No-Rush Shipping” and you’ll get a $1 Amazon eBooks, digital music and videos Credit. The credit posts after your items ships. Credit expires 2/28/15.

-Extreme Comfort, Style, Security and Functionality, Stays on your Arm While You Workout or Run! | Concentrate on Your Workout or Your Run Without Your Phone being a Hassle!
-Crystal Clear PVC Touch Screen Protects your Phone while giving You Full Control! | Built in Key Holder Stores Your Key. | Cord Wrap Keeps Your Headphone Cord out of Your Way. | Relfelctor -Tape Makes You Visible on Night Runs. | With the purchase of the Armband Extender, Fits Arms up to 21 inches!
-Durable, Highest Quality Construction. | Built to Last! | The Perfect Combination of Style, Toughness, Functionality and Comfort.
-Fits your iPhone 5 / 5S/ 5C and iPod Touch 5 Perfectly and Securely! | 100% Iron Clad, No Questions Asked, Lifetime Guarantee!
-New Latest Neoprene / Lycra Technology Provides an Ultra Soft and Comfortable Fit. Absorbs Moisture to Keep Your Phone Dry!

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Board Games On Sale From Walmart

Walmart has many board games on sale. Below are some sample deals with Amazon comparisons. Some games have been price matched on Amazon so you can choose where you want to order from.

-Candy Land Game: $3.36
Sells for $9.23 on Amazon.

-Clue Game 2013 Edition: $4.02
Sells for $7.08 on Amazon.

-Trouble Game: $4.06
Sells for $6.69 on Amazon.

-Scattergories Game: $6.03
Sells for $25.43 on Amazon.

-Candy Land Disney Princess Edition: $6.16
Sells for $11.62 on Amazon.

-2-Pack including Sorry and Clue: $6.27

-Hungry Hungry Hippos Game: $7.31
Sells for $11.33 on Amazon.

-World of Disney Eye Found It! Game: $7.41
Sells for $19.99 on Amazon.

-Disney Princess Pop-Up Magic Castle Game: $8.04
Sells for $12.74 on Amazon.

-Spin Master Fibber Game: $8.31
Sells for $11.50 on Amazon.

-Monopoly Junior Game: $10.10
Sells for $21.95 on Amazon.

-Balderdash Board Game: $12.75
Sells for $12.75 on Amazon.

-Apples to Apples Party Box: $13.49
Sells for $13.49 on Amazon.

-Hasbro Risk Game: $16.17
Sells for $16.17 on Amazon.

Free shipping on $50+ orders or $4.95 ship to home on orders under $50.
Pickup at any Fedex or WalMart store for free shipping on all orders!

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Save 50% Off The North Face Men’s, Women’s And Kid’s Jackets, Sweaters, and More From Nordstrom

Men’s North Face Sale Link
Women’s North Face Sale Link
Kid’s North Face Sale Link

For example this ‘Denali’ Recycled Fleece Jacket and this ‘Denali’ Recycled Polartec 300 Fleece Jacket were originally $179 and are now just $89.49 with the sale price.

Shipping and return shipping (with no time limit!) is free on all orders from Nordstrom so if you’re unsure of your size you’ll probably want to order more options to grab the current sale price.

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15% Off Frontier Flights

Earn 2-2.14 points per dollar and get free insurance for trip cancellation, trip interruption, trip delay, lost luggage, delayed luggage, and travel accident insurance with Chase Sapphire Preferred.
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Frontier Booking Linky

Use promo code: FOOTBALL
-Valid for travel between 01/20-02/28.
-The following blackout dates apply: Feb 2, 13, and 16.

For example:
Cleveland-Orlando from 01/27-01/29 is $113.03
Cleveland-Fort Lauderdale from 01/27-01/29 is $126.80
Trenton-Orlando from 01/27-01/29 is $126.80
Trenton-Fort Lauderdale from 01/26-01/29 is $135.30

Note that Frontier now charges for carry-on baggage. Join Frontier’s Discount Den for free to pay $15 for checked bags and $20 for large carry-ons after a $5 discount on each.

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Avios Destination Charts For Montreal, Toronto, Denver, Detroit, Pittsburgh, S. Francisco, And 6 Ohio Airports

Related posts:
-Chase British Airways Visa: Earn 50,000 Avios for spending $2,000, that’s enough for 11 one-way flights! For a limited time only this card’s annual fee is waived for the first year.

-Be sure to read the British Airways knowledgebase and the 22 Things To Keep In Mind When Using Avios for everything you NEED to know about the BA program
-Click to view 94 Direct Avios Flights From Baltimore/Washington DC
-Click to view 120 Direct Avios Flights From Boston
-Click to view 126 Direct Avios Flights From Chicago
-Click to view 196 Direct Avios Flights From Dallas
-Click to view 12 Direct Avios Flights From Johannesburg
-Click to view 77 Direct Avios Flights From Los Angeles
-Click to view 77 Direct Avios Flights From Miami
-Click to view 102 Direct Avios Flights From NYC
-Click to view 123 Direct Avios Flights From Philadelphia
-Flying Round-Trip To Israel On Air Berlin For 50K American Express Membership Rewards Plus $81 Tax: A Tutorial
-Flying With An Infant With Miles In Business Or First Class? Start Collecting Air Canada Miles Or British Airways Avios
Fly From JFK To Toronto For 4.5K Avios Or $94…And Get 141 Pounds Of Free Luggage! Also: When Redeeming Avios For Business Pays For Itself
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In honor of the thrilling Ohio State championship win last night I’ve compiled Avios lists for all 6 OH airports (yes I’m aware that CVG is not technically in OH) as well as 6 other airports that people have asked for in the past. Feel free to request a list for other airports and I’ll try to cover those as well!

British Airways Avios can’t be beat for short-haul nonstop flights thanks to ultra-low award rates, no expedite/close-in fees, and dirt cheap award cancellations. Below are all of the direct flights from several cities that can be booked with Avios.

Be sure to read the British Airways knowledgebase and the 22 Things To Keep In Mind When Using Avios for everything you NEED to know about the BA program and how to best search for BA award availability with tips like always booking one-way awards. If you have a question it’s probably already been answered there!

Notes:
1. Rates in the chart are for one-way flights. Generally speaking it’s a good idea to book BA flights as one-ways to give you maximum flexibility.

2. Rates are always given in Avios. Currently there is a 40% bonus for transferring AMEX MR points into Avios and there is always a 25% bonus for transferring increments of 20K Starwood Starpoints into Avios. That just means that if a route requires 25K Avios for example you will only need 20K Starpoints and if a route requires 35K Avios for example you will only need 25K AMEX MR points with the current promotion.

3. Routes that are displayed in bold are subject to fuel surcharges, which can add up to to several hundred dollars each way.

4. There are no fuel surcharges for flights on: Aer Lingus, Air Berlin, Alaska, LAN, and TAM. There are also no fuel surcharges for American and USAirways flights within the western hemisphere, for JAL flights within Japan, and for Qantas flights within Australia. Fuel surcharges for intra-Europe flights are also typically quite low. Fuel surcharges for travel on Cathay Pacific aren’t too bad while fuel surcharges to fly on British Airways border on the criminal.
You can save on the fuel surcharges imposed on Iberia flights by transferring British Airways Avios into Iberia Avios.

5. In the charts below I’ve only included direct flights as BA charges Avios for each flight segment.

For example Kauai isn’t on the chart as BA does not have any partners that fly nonstop from any of these 11 airports to Kauai. Though you can always fly to Kauai via Los Angeles or Phoenix for example, just add 12.5K Avios to make a separate booking to Kauai segment with no fuel surcharges on American or Alaska.  Plus you can stopover in the connecting city for as long or short as you want.

You can figure out the cost to go to hundreds of other cities by just looking at the related chart links above.  For example a flight from Pittsburgh to Dublin can be had via Boston, so the chart below shows that a flight from Pittsburgh to Boston is 4.5K Avios and the Boston chart linked to above shows that a flight from Boston to Dublin is 12.5K Avios with no fuel surcharges.

6. BA.com does not display availability for all airlines! If you want to book travel on airlines like Alaska, Aer Lingus, and LAN you’ll need to pick up the phone and call BA! You can search Alaska award availability on AA.com before calling BA to book it.

8. Cities in the chart may only have seasonal nonstop service.

9. A dash means that class of service isn’t offered on that route.
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American Express is a DansDeals.com advertiser.

Want to pickup Avios? You’re in luck as you can transfer points from all over the place to BA.

-The Chase British Airways Visa Signature offers 50,000 Avios for spending $2K. Until 12/31/14 the $95 annual fee is waived for the first year as well. This card earns 1.25 Avios per dollar spent. You also get 10% off British Airways flights and can earn a companion pass that is good for a free companion on a coach, business, or first class award ticket if you spend $30K in a calendar year.

-The Starwood Preferred Guest® Credit Card from American Express awards 25K signup points with the $65 annual fee waived or the first year. 20K Starpoints can transfer into 25K Avios with the permanent 25% transfer bonus.

-American Express Membership Rewards points can be earned from cards like The Amex EveryDay Preferred Credit Card from American Express and The Amex EveryDay Credit Card from American Express.

Those cards both offer a year of Amazon Prime for a limited time only. The Everyday Preferred card earns more points per dollar for everyday purchases than any other card in its class. The Everyday card is the only no annual fee card that allos points transfers into airline miles.

You can also earn Membership Rewards points from charge cards like the American Express® Premier Rewards Gold Card and The Platinum Card® from American Express.

AMEX MR points normally transfer instantly 1:1 to Avios but until 01/31/15 you’ll get 1,400 Avios for every 1K AMEX MR points transferred to British Airways.

-Chase Ultimate Rewards points are earned from consumer cards like Sapphire Preferred or Chase Freedom. They can also be earned on business cards like the Chase Ink Plus or Chase Ink Cash. These points also can transfer instantly 1:1 to Avios.
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View charts of Avios flights from 6 Ohio airports, Montreal, Toronto, Denver, Detroit, Pittsburgh, and S. Francisco after the jump:

Click here to read the rest of this post!»

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NYC Residents: Get A Free IDNYC And Get Free Admission In 2015 To 33 NYC Museums, Zoos, And Cultural Institutions

If you’re 14 or older you can apply for a free IDNYC at these locations throughout all 5 boroughs.

A list of participating museums, zoos, and cultural institutions can be found here.

Bring an NY driver’s license with an NYC address or other combination of proof of residency that can be found here.

HT: ItsHappening, via DDF

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Lenovo ThinkPad Yoga 12.5 Inch Core i5 Convertible Ultrabook For $649.99 Shipped Via eBay Daily Deals

-Click here to view all of eBay’s daily deals.

-Enroll in eBay Bucks and get 2% back (or more via targeted offers) on your eBay purchases.
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Lenovo ThinkPad Yoga 12.5 Inch Core i5 Convertible Ultrabook For $649.99

Specs:
-128GB Solid State Drive
-12.5 inch Full HD IPS (1920 x 1080) screen
-10-finger multi-touch support
-Intel Core i5-4200U 1.60 GHz with Turbo Boost Technology up to 2.60 GHz
-Windows 8.1
-8GB RAM
-Intel HD Graphics 4400

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Dell 27 Inch 1080p IPS Monitor And A $125 Dell eGift Card For Just $269.99

Dell 27 Inch 1080p IPS Monitor And A $125 Dell eGift Card For Just $269.99

Use 10% off code: 78M4SHHJ4JC9WW

This sells for $299.96 on Amazon where it has 4.6 star ratings.

The $125 Dell promo eGift Card typically arrives in 10-20 days from ship date via email. It carries a 90 day expiration (except where prohibited by law) and is valid for anything sold on Dell.com.

You can make multiple orders and get the $125 gift card for each order placed!

You can sell your Dell eGift cards for cash on this DDF thread.

Dell.com carries a wide range of computers and electronics.  You can even use Dell eGift cards to buy more items that come with free eGift cards!

-IPS (In-Plane-Switching) display offers users wider viewing angles and bolder colors by allowing more light to pass through the panel.
-Get sharp, vivid, cinematic-quality pictures with Full HD resolution and colors that are rich, consistent, and accurate across an ultra-wide viewing angle.
-Offering easy connectivity with handheld devices and viewing comfort with choice of VESA mounting options and tilt capability.
-Display content and stream audio directly from your smartphone/tablet to your monitor and charge it at the same time when you connect your device via HDMI (MHL) to your monitor.
-Vesa mount capability offers you the choice to wall mount or attach the monitor panel to the optional Dell Single Monitor Arm Stand for a clutter-free desk top.

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TOMS Shoes Surprise Sale: Discounts Starting At 40% Off

Men’s TOMS Shoes Surprise Sale Link
Women’s TOMS Shoes Surprise Sale Link
Kid’s TOMS Shoes Surprise Sale Link

You must enter an email address to view this sale.

You will receive free shipping on $25+ orders. Sale ends 01/19.

All items via the links above are final sale, so buy it on a card like Starwood or Sapphire Preferred with return protection in case you don’t like it.

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Beats By Dr. Dre Executive Noise Cancelling Headphones For $159.99 From Staples

Beats By Dr. Dre Executive Noise Cancelling Headphones For $159.99 From Staples

-Check your AMEX account for a targeted $25 Off $100 Staples offer or use your Chase Ink Plus or Chase Ink Cash card and get 5 points per dollar spent.

-Beats Executive headphones are designed to take you from boardroom to the tarmac and everywhere in between. -These over-ear corded headphones deliver the legendary Beats sound in a refined premium package that’s easier than ever to take on the road.

-The signature Beats by Dr. Dre sound profile delivers pure audio integrity for crystal clear highs, signature bass and sonically true mids.
-Beats Executive headphones are designed for travel, whether you’re cruising at 30,000 feet or just flying across in a cab. They’re lightweight, comfortable to wear, and fold flat for easy packing.
-Powerful enough to reduce a jet engine to a whisper, Beats Executive headphones use battery-powered noise cancellation to deliver your music without outside interruption.
-In the box: Beats Executive over-ear headphones, Two (2) AAA batteries, 3.5mm audio cable, ¼” adapter cable, Airline adapter, In-line control & mic cable (features may vary), Hard shell carrying case, and Beats by Dr. Dre cleaning cloth.

HT: SZY, via DDF

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Apple Lightning USB Charger (OEM) For $5.99 Shipped Via eBay Daily Deals

-Click here to view all of eBay’s daily deals.

-Enroll in eBay Bucks and get 2% back (or more via targeted offers) on your eBay purchases.
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Apple Lightning USB Charger (OEM) For $5.99 Shipped Via eBay Daily Deals

This is also available in “new other” condition from blutek via eBay and you receive 10% off when you buy 2 or more.

Compatible with: iPhone 6, iPhone 6+, iPhone 5, iPhone 5C, iPhone 5S, iPad 4th gen, iPad mini, iPod 7th gen, and iPod touch 5th gen.

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Building Credit And Credit Card FAQs: Your Questions Answered

This is an article I wrote a few months ago, but people keep asking the same questions, so here it is again:

-Find more posts like this by clicking on the “Credit Card Posts” tab and find credit card offers in the “Credit Cards” tab above of the DansDeals banner at the top of this site.

American Express is a DansDeals.com advertiser.
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Originally posted on 10/08:

Do your eyes glaze over every time I make another post about miles and credit cards?
Perhaps you’re young and haven’t gotten involved in credit cards or building up your credit yet, or perhaps you’re just scared of getting involved with credit cards.

If it’s the latter, you have good instincts. The credit card points system is partially subsidized by the millions of Americans who fall into the trap of debt, buying things they can’t afford, and paying huge amounts of interest to the banks.

If you’re susceptible to that behavior, then don’t play the game. Cut up all your cards, pay for things in cash, and be happy not being in debt. Any gain from the points system will be obliterated by interest payments.

Otherwise though you’re leaving valuable cash and miles on the table.
The banks are willing to pay huge sums of money or miles for you to signup for a card and they offer great benefits for using the card.

When you pay with cash or a debit card you get none of that.
You also lose the fringe benefits that many credit cards provide like online dispute resolution, return protection, warranty extension, car rental insurance, trip insurance, etc.

When fraud happens on a credit card you are not responsible for it while it’s being investigated. On a debit card those funds are immediately taken out of your checking account and you have to fight to get them back.

The bottom line is when used responsibly, credit cards are an incredible tool.  I’ve used them responsibly for the past 12 years and thanks to them I have been able to fly around the world in first class on hundreds of flights and stay in 5 star resorts countless times.  The trips I’ve been been able to share with my wife and now with my kids have created indelible memories that we’ll share for a lifetime.

But understand that credit cards can be death traps to those who don’t have proper discipline.

Q: I’ve never had a credit card. How do I start building my credit?
A: Start by having someone in your household or a relative add you as an additional user onto their account. Be sure that the account has been open for a while and is used responsibly. If the card is maxed out it will only hurt you.

After a couple months you should get a nice credit boost from that. You can then start building your own credit history by applying for a store card like from Gap, Kohls, Macy’s, Target, etc. as those can be easier to get approved for than real credit cards. Use the store card for a couple months for a small purchase each month and then you can attempt to get a real credit card.

Still not having any luck? Get a secured card. A secured card functions as a debit card except that unlike a debit card it helps your credit score. A debit card doesn’t help your score at all. Most secured cards don’t offer miles but some like the USBank LAN Secured card at least offers something decent.

Q: How is my credit score calculated?
A: Here is the makeup of your 850 point FICO score according to MyFico:

-Payment History: 35%.
Pay your bills on time and you should ace this category. The more accounts you have that you pay on time, the higher your score will be.

-Amounts owed: 30%
This measures your credit utilization ratio. The more money you spend, the higher your utilization ratio will be, which lowers your score. The more total credit you have available, the lower your utilization ratio will be, which raises your score. So the more accounts and credit you have, the better your score will be here.

Credit utilization ratio applies for each card you have individually (don’t use too much of your credit on any card) and across all of your cards collectively..

-Length of credit history: 15%
This takes into account your oldest account, the older the better. It also factors in the average age of your accounts.
It’s important to note that even if you close an account, it stays on your record for about 10 years after you cancel the card. So even if you close an account, you won’t hurt yourself in this category until 10 years down the line when the account falls off of your credit report. By that point you should have other older cards that will keep your average account age high enough not to adversely affect your score.

-New credit: 10%
This takes into account credit inquiries and new accounts, which can lower your score temporarily. These fall off your report after about 2 years and most banks only look at the number inquiries you have within the past 6 months.

In the short term you may see your score drop when you apply for a card due to this category and the average age of your accounts, but in the long run having more cards will raise your score, as they improve your payment history (35%) and credit utilization (30%) and eventually the age of your account, which continue to grow older even after you cancel the card.

-Types of credit used: 10%
This has little to do with the opening and closing of accounts but factors whether you have other accounts like retail accounts, auto loans, a mortgage, etc. The more varied your portfolio the higher your score.

Q: Isn’t it bad for your score to close a card?
A: I have a FICO in the 800s, among the best scores in the country.  Anything above 750 is basically considered to be a perfect score.  And I’ve closed hundreds of cards.

Understanding how your score works is key here. Again, the 2 primary factors making up 65% of your score are your payment history and the amount of money you owe. So always make sure to protect those.

A credit card continues to benefit the length of your credit history (the 3rd most important factor at 15% of your score) for 10 years after its been closed.

The only negative outcome of closing a card is losing the credit line, which can hurt your credit utilization. That can be avoided in several ways. Many banks allow you to move a line of credit onto a different card. Some banks may be more willing to approve you for another card contingent on moving part of line of credit from an older card onto a newer card. Or they may want to completely close out the older card and move the entire line onto the newer card.

Now you have to strike the right balance between your income and your total credit. You don’t want to have too much total credit. So don’t sweat it if you have to close a card, you can always get another to get your credit line back up to where it was and once again, there won’t be any negative affect from the closing the card.

Note that while you can close a card via secure message or chat without having to call up, typically if you call up, the retentions department may offer to waive the fee for another year or give you miles to keep the card.  Even if they don’t do that, many cards can be downgraded to a free version and you’ll get a refund of the annual fee.  You typically  have between 30 and 60 days from when an annual fee is billed to have it refunded if you close a card though some people have had success getting a fee refunded by cancelling a card for up to 6 months after being billed.

Q: Isn’t it really bad to close your first ever credit card?
A: Perhaps, but probably not.
It’s a good idea to start off with a no-annual fee card as one of your oldest cards so you don’t have to close it.  For example, Chase Freedom is an incredible no-fee card.
If you have one card which is wayyyy older than other cards then you will want to keep it open and that establishes your credit length.
However, if your oldest card is not that much older than the next card, it won’t make a big difference.

Either way it will take 10 years after closing your oldest card until it falls off your report. So even if your oldest card is 2 years older than your next card, in 10 years from now that won’t make a big difference.

Note that AMEX always reports every card you open as being opened in the year that you first got an AMEX card.  So if an AMEX was your first card then don’t sweat it!  Whenever you open a new AMEX card it will be as if that account was open from the date you opened your first ever AMEX card.

Q: Isn’t it bad for your score to open a card?
A: When you apply for a card a credit inquiry or hard pull is done on your report. At just 10% of your score, new credit is one of its smallest factors, so changes here are only worth a few points.  The negative effects of a hard pull lessen after a few months and most banks only care about the number of hard pulls from the past 3 or 6 months. After 2 years they fall off completely.

A new account will also temporarily lower the average age of your accounts, a subset of the 15% of the length of credit history category.  However that card will eventually improve your average age as it continues to help for that even if you close it for 10 years after you close it.

More importantly, when you get a new card, you get a new line of credit. 30% of your score is made up of amounts owed and credit utilization so the more credit you have, the better your score.

So the answer is that in the short-term your score may go down slightly, but longer-term your score will only go up.

Q: I got rejected for a card. Now what?

A: Once you apply for a card they have pulled your report.
So if you are denied be sure to call the bank to try to get approved. It can take several tries, but typically calling or writing via secure message on the bank’s site to reconsideration departments can turn a denial into an approval, especially if you are an existing customer.

Good strategies include:
-Proactively offering to shift credit lines around from other cards to get the new application approved.
-Proactively offering to close an older card you don’t use anymore and move over the credit line to get the new application approved.
-Explaining how you want the benefits the card provides. Items like free baggage and primary car rental insurance are good reasons to want a card, so learn about the unique benefits that each card has to offer besides for a killer signup bonus.
-The banks are afraid of people just applying for credit to rack up debts that they won’t pay. Your job is to explain why you are NOT one of those people and why you want the card.
-Explaining why you might want 2 versions of the same card. HSA spending should often be done on a dedicated card. Different business need different cards to keep expenses separately. Even the same business may want to track spending on different clients on separate cards.
-Explaining how you’ve never had a late payment or that you’re a loyal customer for x amount of years.
-Explaining your loyalty to the bank, especially if you have a checking account with the bank.
-Be friendly! Ask the person how their day is going and they’ll be more likely to want to help you out. Reconsideration reps have all the power, so it’s up to you to become their friend. A DDF user who homebrews beer found out that the agent also makes his own beer. After talking beer strategies the card application was approved!

No luck over the phone or via secure message? If you have at least $10,000 in a Chase checking account your banker can send in a special reconsideration form requesting that you be approved.

Citi is also very good about approving cards if you write to them via snail mail: Mr. Ken Stork,
Office of the President, PO Box 6000, Sioux Falls, SD 57117

Q: Won’t I lose my points if I close a card?
A: Airline or hotel credit cards accumulate points in your airline or hotel loyalty account.
Those points remain there even if the card is no longer active, and are subject to the normal expiration dates that you can find in this post.
You will not instantly lose any earned Hyatt/Starwood/American/BA/Delta/Southwest/United/etc. points just for closing their credit card. Some representatives use scare tactics and say your points or tickets will be lost if you cancel the card but it’s just misinformation.  The only thing you will lose are points earned from spending since your last statement closed, so you may want to wait for your next statement to close before closing a card.

Proprietary credit card point programs (American Express Membership Rewards, Barclays Rewards, Citi ThankYou Points, Chase Ultimate Rewards) do not expire as long as you keep at least one card open that is enrolled in their respective program.

If you want to close a Sapphire Preferred card you have several options to keep your points active.
1. Downgrade it to a regular Sapphire card. Your points will remain active but you or your spouse will need to have a card like Sapphire Preferred or Ink Plus to actually transfer the points into miles.
2. Downgrade it to a Freedom card. Same issue as the Sapphire card has above.
3. Transfer the points to another Chase Ultimate Rewards card that you or your spouse has.
4. Transfer the points to an airline or hotel program.

Q: What do you do about annual fees?
A: On some cards those pay for themselves. Take the Starwood or Everyday Preferred cards where additional cardholders are free.
If you have 5 additional cardholders on either of those cards you’ll get $180 to spend at a small business in November. You can have up to 99 additional cards. And each of those cards are also eligible for other AMEX promotions that run all year long.

On cards from other banks they can be worthwhile for the benefits provided, but you can always cancel a card to get back the annual fee. You typically have 30-60 days to do so once you are billed for the fee. Many cards also allow you to downgrade to a free card to get the fee waived.

Many cards also don’t have a fee for the first year, or even if they do they come with a large signup bonus worth the fee several times over.

In short, they really are not a big deal.

Q: Are there any tricks to raise your credit score quickly?
A: There are a few.
1. Try to pay off your credit card bills before the statement prints. Once it prints the amount owed can severely hurt your score even if you pay it off on time.

You can request that all of your bills print on the 1st of a month so you know exactly when to pay them off.  I try to pay off everything but about $1, so that when I get the bill in the mail I have a $1 amount owed. That shows the card is still being used, but that it’s not being heavily utilized, which improves my score.
Even if it’s too much for you to do this try to at least keep your spending when the statement closes under 15% of the credit limit of your card.
Amounts owed makes up a whopping 30% of your score, so this is a quick and easy way to get a nice bump.

2. 10% of your score is made up by the types of credit you have used. Have cards from multiple banks and have other kinds of loans as well.
For example, even if you can afford to pay for a car in cash you should still finance it. First of all, you can usually get a nice instant rebate by financing and there’s typically no penalty to pay if off early. Second of all, once it’s paid off you’ll get a nice score boost.

3. Use business cards. Amounts owed on business cards from banks like AMEX and Chase aren’t reported on your personal credit report. So even if the statement closes with a large amount owed it won’t hurt your score like that would on a personal account.

Q: I don’t make my own income, how can I get a credit card?
A: As long as you live in the same household as someone who you can rely upon to provide from their income you can include all of that household income when reporting your income on a credit application.
Income isn’t listed on your credit report, it’s based on what you report.  And you should always report total household income as the more income on the application, the greater the odds of approval are.

Q: Why is my credit score different depending on where I check it?
A: There are thousands of sites offering to give you your credit score for free. They advertise heavily but their goal is to get your info with which they can sell ads and sell you other products. Their scores are called FAKOs and are basically meaningless. They look at your report and based on their own criteria make up a score on the spot. No creditor is ever going to use that score.
The only place where a consumer can buy their real FICO credit score is from MyFico. If you’re you’re getting your score elsewhere it’s a fake.  I can also look at your report and make up a score, but that doesn’t mean it has a basis in reality.

You should always keep tabs on all 3 of your reports by using annualcreditreport.com, the only government sanctioned credit report site. If there are mistakes there be sure to dispute them!  If there are hard pulls that shouldn’t be there or that should have fallen off your record by now dispute those as well.  Unfortunately that site only shows your report, it does not give you a credit score.

Checking your own credit report does not hurt your score.

There are 3 credit bureaus, Experian, Equifax, and Transunion, so you will have a FICO score for all 3. Some banks, like Barclays and Discover, allow their cardholders to view one of those scores for free. You can view your FICO Transunion ’08 score if you have a Barclays card here.

Some cards will mail you your current FICO score after you apply for a card.

To make things more complicated there are different versions of FICO scores based on criteria set in ’98, ’04, or ’08, but that’s getting way beyond the scope of this article.

Q: 3BM? MBM? AOR? What in the world is everyone on DDF talking about?
A: DDF, or the DansDeals Forums is chock full of great info when it comes to credit cards.

In short though, a 3BM means using 3 web browsers, like Internet Explorer, Chrome, Safari, Firefox, Opera, Maxthon, etc, to apply for 3 different cards from the same bank, as close to each other as possible. An MBM just stands for multiple browser method. Personally I’ll fill out the application form on all 3 browsers and then hit submit on all of them within a few seconds. This way you can get 3 cards with just 1 credit pull. There’s no guarantee you’ll get accepted to all 3 or that you won’t get more pulls, but this increases the odds of getting multiple cards with 1 pull.

Of course it doesn’t have to be 3. I’ve had successful 12BMs. But that was really tough and I don’t advise you to try that at home unless you’re a trained professional 😉

If you’re new though, start with 1 and keep your life simple. It takes time to go from 0 to 60.

An “AOR” or app-o-rama is the process of using multiple 3BMs from multiple banks as quickly as possible, in order to get approved for more cards from more banks. People sometimes stagger their AORs every few months to get more approvals though that’s a tool to stay organized more than a rule to live by.

Note that when applying for a Capital One credit card you will get 3 hard credit pulls every time you apply for a card, making them one of the more hated banks out there.

Q: So Capital One checks all 3 bureaus, but where do the other banks check?
A: It generally varies based on your home state. This DDF thread tried to make sense of the madness.

If you’re in a state where one of your reports is getting hard hit you may want to freeze that report and have a bank check another more seldomly used report to increase the odds of getting approved for a card. More info on freezing from Equifax, Experian, and TransUnion. Note that many banks won’t be willing to check a different report and you may have to try a few times to find a rep from other banks to do it as well.

Q: I want to buy a house, how will credit cards affect my mortgage?
A: Like I said before, opening a card causes a short-term point loss and a long-term point gain.
If you are buying a house within a few months, then take a break from applying for new cards.

Otherwise you shouldn’t have any problem explaining the mileage game to a mortgage officer in case they ask why you have so many lines of credit. In fact if you are using your credit wisely your score should be excellent even if you do open lots of credit cards, which will mean you’ll get the lowest possible interest rates.

Q: Do I qualify for a business card and why do I want one?
A: The benefits of a business card are twofold.
1. Spending on a business isn’t reported on your credit report, so even if you max out your cards and don’t pay them off early it won’t hurt you.
If you don’t pay your bills on time that will hurt you, but otherwise it’s just not reported.
2. When you close a business card it doesn’t affect you as the credit line and the age of the account was never reported either.

For example if your name is Joe Smith and you sell items online, or if you have any other side business/hobby and want a credit card to better keep track of business expenditures you can just open a business credit card for “Joe Smith Sole Proprietorship” or “JS Sole Proprietorship” as the business name.

You don’t need to file any messy government paperwork to be allowed to do that.
Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field as well as in the social security number field.

If you’re like me and you run more than one business you can signup for multiple of the same card for each business to manage each businesses expenses separately.

Q: Do I want a card that earns miles or a card that earns cash back?
A: Age-old question. It boils down to how you redeem your points.
If you use them for round-trip coach tickets booked in advance then you may do better taking cash back and just buying your flights. Or find a card that allows you to use points for a paid flight.

If you book short-haul coach flights, flights to Canada, flights to Hawaii, one-way coach travel, last-minute coach travel, coach travel with a stopover, business class travel, or first class travel you will be better off with real miles.

Q: What card gives the most bang for the buck?

A: That all depends on what you’re after.

First off, read this article, “Where Should You Be Using Each Of Your Credit Cards?”

But it really depends which points you are trying to accumulate.

I wrote an article on “30 Awesome Things You Can You Do With 75K-95K Ultimate Rewards Points that you can get from opening a single credit card right now. That gives you an idea of how you can be using those points. In the future I’ll make an article like that for other point currencies.

Of course it’s always good to open different kinds of cards to hedge your bets so that you’ll have different kinds of points that can come in handy for different kinds of trips.

-If you want Starpoints: Starwood Preferred Guest® Credit Card from American Express Transfer options at a 20K:25K ratio include Alaska, American, ANA, British Airways, Delta, Flying Blue, LAN, Singapore, and USAirways.

-If you want American Express Membership Rewards points: The Amex EveryDay Preferred Credit Card from American Express Earn between 1.5-4.5 points per dollar if you use your card 30 times that month. Transfer options include Air Canada, ANA, British Airways, Delta, El Al, Flying Blue, and Singapore.

-If you want American Express Membership Rewards points without an annual fee: The Amex EveryDay Credit Card from American Express. Earn between 1.2-2.4 points per dollar if you use your card 20 times that month.

-If you spend heavily on airfare: American Express® Premier Rewards Gold Card

-If you want Chase Ultimate Rewards points from a business card: Chase Ink Plus Transfer options include British Airways, Hyatt, Korean, Singapore, Southwest, and United. Earn up to 5 points per dollar spent and for a limited time, an unprecedented 70K signup bonus.

-If you want Chase Ultimate Rewards points from a business card without an annual fee: Chase Ink Cash Earn up to 5 points per dollar spent, but you or a spouse will need a card like Ink Plus or Sapphire Preferred to transfer points to miles.

-If you want Chase Ultimate Rewards points from a consumer card: Chase Sapphire Preferred Earn up to 3 points per dollar spent.

-If you want Chase Ultimate Rewards points from a consumer card without an annual fee: Chase Freedom Earn up to 5.5 points per dollar spent, but you or a spouse will need a card like Ink Plus or Sapphire Preferred to transfer points to miles.

-If you want points that can be used towards any paid travel without restrictions: Barclaycard Arrival Plus™ World Elite MasterCard® Earn 2 points per dollar plus get 10% back every time you redeem for an effective 2.22% cash back towards all paid travel charged to your card.  Even if that travel is cancelled you still get the 2.22% back as cash.

-If you want to have airline cards for flight benefits such as waived checked baggage fees, flight discounts, and pre-boarding:
United MileagePlus Explorer card.
Gold Delta SkyMiles® Credit Card from American Express
Chase British Airways Visa Signature
Citi AA Mastercard
The US Airways® Premier World MasterCard®
The Hawaiian Airlines® World Elite MasterCard®

-If you want lounge access and many other travel benefits and statuses: Platinum Card® from American Express

-If you don’t care about points but would rather have 0% APR on Purchases and Balance Transfers with no fees: Chase Slate

Q: Any last tips?
A: Stay organized!
Make a spreadsheet with a list of all of your cards.
Include the date you applied for card, when you need to complete spending to get the signup bonus, what date of the month that your statement generates so you know when to pay it off early, what the annual fee is on subsequent years, etc.

Also include your mileage accounts, when the miles will expire, etc.

Because it’s very hard to stay ahead of the game if you don’t have a good handle on what you already have.

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Lenovo 11.6 Inch Core i5 Ultrabook Tablet For $499.99 Shipped From Newegg Via eBay Daily Deals

-Click here to view all of eBay’s daily deals.

-Enroll in eBay Bucks and get 2% back (or more via targeted offers) on your eBay purchases.
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Lenovo 11.6 Inch Core i5 Ultrabook Tablet For $499.99 Shipped From Newegg Via eBay Daily Deals

This sells for $594.99 on Amazon.

Specs:
-128GB Flash Memory
-4GB RAM
-11.6 Inch 1920 x 1080 HD display
-Intel Core i5 1.6 GHz processor
-Windows 8.1
-1.76 pounds

HT: dove, via DDF

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Jos. A. Bank Executive Wool Black Carcoat For Just $67 Shipped

Jos. A. Bank Executive Wool Black Carcoat For Just $67 Shipped

-Classic Style Wool Coat for work or play.
-Three button front closure with diamond quilted lining.
-Cuff latch with button detail.
-Two Slanted pockets in front with stitching detail.
-Two interior pockets and center vent for easy movement.

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30% Off $99+ Orders At Shoebuy

Shoebuy Linky

Use the following code for 30% off Off $99+ Orders: EMLFLASH99

-You must have $99 worth of shoes in your cart to receive the 30% off. The prices below assume that you will have $99 worth of shoes in your cart.

-Note that if you order two pairs of shoes and wind up returning one pair, you will still retain the 30% discount on the pair that you keep even if it’s under $100.

-Shoebuy always offers free shipping and free return shipping and a 100% Price Guarantee!

Shop from hundreds of men’s dress shoes including brands like Bostonian, Clarks, Ecco, Florsheim, and Rockport.

All prices below are after 30% off:
-Dockers Society: $34.97
-Dockers Brigade: $34.97
-Stacy Adams Calhoun: $36.72
-Stacy Adams Mac: $37.07
-Stacy Adams Regalia: $38.47
-Stacy Adams Royalty: $38.47
-Dockers Franchise: $38.47
-Stacy Adams Felton: $41.97
-Stacy Adams Canton: $41.97
-Stacy Adams Damon: $41.97
-Stacy Adams Bancroft: $41.97
-Madden Trace: $41.97
-Bostonian Jesper Style: $48.97
-Bostonian Kessler: $48.97
-Bostonian Laureate: $51.07
-Bostonian Wenham: $52.47
-Bostonian Bolton: $52.47
-Kenneth Cole Reaction Punchual: $54.57
-Kenneth Cole Reaction Sim-Plicity: $55.27
-Clarks Flenk Lace: $55.27

Ecco loafers:
-ECCO Soft Slip On: $73.47
-ECCO New Jersey Slip On: $83.97
-ECCO Fraser Classic Slip On: $90.97
-ECCO Helsinki Bicycle Toe Slip On: $97.97
-ECCO Classic Moc: $104.97
-ECCO Edinburgh Buckle Slip On: $104.97
-ECCO Edinburgh Bike Toe Slip On: $104.97
-ECCO Fusion Casual Slip On: $111.97
-ECCO Dublin Apron Toe Slip On: $118.97
-ECCO Cairo Apron Toe Slip On: $118.97
-ECCO Seattle Apron Toe Slip On: $125.97

Ecco tie shoes:
-ECCO Atlanta Tie Wing-Tip: $83.97
-ECCO Helsinki Bicycle Toe Tie: $97.97
-ECCO Helsinki Plain Toe Tie: $97.97
-ECCO Biarritz: $97.97
-ECCO Edinburgh Bike Toe Tie: $104.97
-ECCO Edinburgh Perf Toe Tie: $104.97
-ECCO Edinburgh Plain Toe Tie: $104.97
-ECCO Boston Tie: $104.97
-ECCO Boston Apron Toe Tie: $104.97
-ECCO Edinburgh Cap Toe Tie GTX: $111.97
-ECCO Dublin Cap Toe Tie: $118.97
-ECCO Cairo Apron Toe Tie: $118.97
-ECCO Cairo Cap Toe Tie: $118.97
-ECCO Seattle Apron Toe Tie: $125.97

Post what other bargains you find!

HT: sm8542, via DDF

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American: Fly Between Chicago And Fort Lauderdale Nonstop For $98.20 Round-Trip

Update: Additional valid dates have been added to this sale and have been added to the valid dates below.  Dates that are no longer available are crossed out.

Originally posted on 01/10:

Related: Why I Recommend Priceline And The Potential Pitfalls Of Booking Directly With An Airline

-Earn 2-2.14 points per dollar and get free insurance for trip cancellation, trip interruption, trip delay, lost luggage, delayed luggage, and travel accident with Chase Sapphire Preferred.

Bookable on Priceline. Priceline tickets from the USA are refundable until 11:30pm ET the day after purchase.

-Limited seats are available. Always search for 1 seat and then work your way up to the number of seats you need in order to book as many seats on sale as you can.

-Valid for round-trip travel in either direction.

Below is a list of all possible valid dates.

Valid Chicago-Fort Lauderdale dates:
January 25, 26, 27, 28.
February 1, 2, 3, 4, 8, 9, 10, 15, 17, 18, 22, 23, 24, 25
March 1, 2, 3, 4, 8, 9, 10, 11, 17, 18, 24
April 6, 7, 8, 13, 14, 15, 20, 21, 22, 26, 27, 28, 29
May 3, 4, 5, 6, 10, 11, 12, 13, 18, 19, 20, 27
June 2, 3.

Valid Fort Lauderdale-Chicago dates:
January 27, 28, 29, 30
February 3, 4, 5, 6, 10, 11, 12, 13, 18, 19, 20, 25, 26, 27
March 3, 4, 5, 6, 10, 11, 12, 13, 17, 18, 19, 24, 25
April 8, 9, 15, 16, 17, 21, 22, 23, 24, 28, 29, 30
May 1, 5, 6, 7, 8, 12, 13, 19, 20, 27
June 2, 3.

HT: Elchonon Hellinger, via DDFB and TFD

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$350 Adults/$282 Kids Round-Trip Tickets To Israel Still Available On Very Limited Dates…If You’re Willing To Have An All Day Connection

-Earn 2-2.14 points per dollar and get free insurance for trip cancellation, trip interruption, trip delay, lost luggage, delayed luggage, and travel accident with Chase Sapphire Preferred.

-Flights are bookable on Airfare.com

I wrote about these crazy cheap Transaero fares 3 weeks ago back when they were still selling flights with short connections to Israel. Since then Russia has bailed out the airline to ensure they can keep flying.

Those flights sold out quickly, but there are still flights with long connection times if you’re a glutton for punishment.

Airfare.com only allows free cancellation until 11:59pm on the day of purchase.

Adults tickets are $350, kids tickets are $282. Be sure to buy your infant a seat, for $280 you’ll be able to bring a carseat and not have to hold them for the trip.

trans1

 

 

 

 

 

 

 

 

 

 

That’s a 13 hour and 35 minute connection on the outbound and 4 hour and 25 minute connection on the return. Without a Russian visa you’ll be confined to the airport for your connection.

Dates are very limited. Sample valid dates below:

$350 dates:
01/19-03/04
01/26-03/04
01/28-03/04
02/02-03/04
02/09-03/04
02/11-03/04
02/16-03/04
02/18-03/04
02/23-03/04
02/25-03/04
03/02-03/04
03/02-03/13 (Short connections available!)
03/02-03/20 (Short connections available!)

Note that March 4th is Ta’anis Esther!

$365 dates:
02/08-02/17
02/11-02/19
03/02-03/09 (Short connections available!)
03/16-03/20 (Short connections available!)
03/02-04/22
03/04-04/22
03/09-04/22

$380 dates:
03/16-04/22
04/08-04/22
04/15-04/22

04/19-04/28
04/19-04/30
04/20-04/28
04/20-04/30

If you find other valid dates please post a comment!  If you don’t try one of the dates above there’s no need to comment that the deal doesn’t work, it very well may only work for the above dates.

Limited seats are available. Always search for 1 seat and then work your way up to the number of seats you need in order to book as many seats on sale as you can.

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Amazon Lightning Deal: Leapfrog Learn and Groove Musical Table For $26.99

For the next 30 minutes until 10:30pm EST, this deal is available to Amazon Prime members only via Amazon’s early access feature for prime members.
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Amazon Lightning Deal: Leapfrog Learn and Groove Musical Table For $26.99

This was $39.99 earlier today and is now a record low price! Lightning deal valid until 1:59pm EDT or while supplies last.

The LeapFrog Learn & Groove Musical Table in a different color has 4.3 star ratings.

Free shipping with $35+ orders or get free 2nd day shipping on all orders witha free trial of Amazon Prime. A prime trial is also free with Amazon Mom (which also gets you 20% off diapers and wipes among other benefits) or Amazon Student.  Or you can always share Amazon prime for a fraction of the regular cost in this DDF thread!

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Brenton Studio Briessa Mid-Back Vinyl Chair For $40.38 Shipped From Office Depot

Brenton Studio Briessa Mid-Back Vinyl Chair (Black) Linky
Brenton Studio Briessa Mid-Back Vinyl Chair (Brown) Linky

Add one of the office chairs via the links above and then add a filler like this ruler and use the following $10 off $50 code (Exp: 01/15): 60448112

The total for the chair and the ruler will be $40.38 with free shipping.

Don’t forget to use your Ink Plus, or Ink Cash card to earn 5 points per dollar!

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Jabra REVO Stereo Headphones For $49.99 Shipped From Groupon

Jabra REVO Corded Stereo Headphones For $49.99 Shipped From Groupon

Select from gray or white.

This sells for $92.99 on Amazon, where it has 4.5 star ratings.

-Jabra Sound app provides High Definition Dolby Digital Plus enhanced sound
-Unrivaled durability -bend tested and made for use while on the go
-Controls on the cord to easily manage music and phone calls
-Two jack connectors for sharing music or videos with a friend
-Memory foam ear cups and padded headband for long term comfort

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Logitech Wireless Mouse For $8.99 Shipped From Best Buy

Logitech Wireless M185 Mouse For $8.99 Shipped From Best Buy

This mouse has 4.4 star ratings on Amazon.

This deal is valid today only. At checkout you will receive free 2 day expedite shipping.

-Plug-and-play wireless: Get a reliable connection from a convenient nano receiver that stays in your computer
-1-year battery life: Go for a full year without a battery change (Battery life may vary based on user and computing conditions)
-Logitech reliability: Made by the global leader for mice and backed by a 3-year limited hardware warranty
-Contoured shape: Gives you more comfort and control
-For Windows and Mac computers: No software or setup hassles-start using your mouse right away

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Today Only: Brother Monochrome Laser Printer For $54.99 Shipped From Amazon

Brother HLL2300D Monochrome Laser Printer

This was $85.24 yesterday and is now the lowest price ever from Amazon. It has fantastic 4.8 star ratings.

-Prints Up To 27 ppm
-Automatic Duplex Printing
-250 Sheet Capacity Paper Tray
-High Speed USB 2.0 Interface
-1 Year Limited Warranty With Free Phone Support For The Life Of Your Machine

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Get Up To 13% Off Plus The 9th Night Free At The Best Mehadrin Hotels For Pesach In Israel

Please note: This is a paid advertisement which is stickied as the top post, please scroll down for new posts.

Early bird special discount for reservations made by 02/01.

Package includes: Meal Erev pesach, Half board Chol Hamoed, Full board Shabbat & Chag, 9th night free. All hotels are Glatt L’mehadrin.

Ramada, Jerusalem– Including family programs and activities.
Before discount: $2,480, after discount: $2,349

Kibuts Lavi, Galil (Near Tiberias)- Including family programs and activities.
Before discount: $3,600, after discount: $3,419

Nir Ezion Resorts near Haifa– Including family programs and activities.
Before discount: $4115, after discount: $3,907

Leonardo Plaza, Jerusalem near the Kotel.
Before discount: $4,960, after discount: $4,315

Kinar, Galil (Near Tiberias)- Including family programs and activities.
Before discount: $4,950, after discount: $4,699

For any information and reservations contact Chagim In Israel Chagiminisrael@gmail.com for the best deals on  tourism in Israel all year round!

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Can’t Find Saver Award Availability? There’s One Must-Have Credit Card That Can Help You Out

The Chase United MileagePlus Explorer Visa is the only card that gives expanded award availability. As long as there is 1 seat on the plane you can redeem standard level miles for it.

But more important than that is the incredible amount of additional saver award space it gives you access to.

While throwing together the Chicago DDF DO last week I found a flight option for AJK from NYC using 10K United miles (the 7.5K Avios flight options didn’t work for him)

Alas he had just cancelled both his and his wife’s consumer and business United cards. And the flight I found only had saver award availability for cardholders.

The United card is crucial for anyone who collects United miles.  If you have elite status you can only get elite upgrades on award tickets if you have a United card.  If you don’t have elite status then the expanded award availability alone makes the card an absolute must.

While the card doesn’t directly help with business class saver award availability (only Platinum, 1K, or GS status helps for that), it does make Plan B business class saver award availability easier as that award requires there to be coach saver availability. Read more about Plan B here.

So, just how much extra saver award availability is there?

Below is a look at the saver award space for 2 popular routes through March (Saver awards typically become available within a couple months of the flight).  Flight results are shown from one flight on the date listed.

For example on March 22nd United is willing to sell a cardholder up to 9 coach saver award seats for 42.5K miles but there are no saver awards available for non-cardholders, so they would have to swing for the 85K standard level award. Cardholders can redeem those saver award seats for anyone, even if they don’t have a United card.  Additionally United will be willing to sell a cardholder a 70K Plan B business class award but would not sell that award to a non-cardholder as there would be no saver award space to book at all.

Availability for a cardholder:

ua1

 

 

 

 

 

 

 

 

Availability for a non-cardholder:

ua2

 

 

 

 

 

 

 

 

(Want to learn how you can see how many seats are bookable for cardholders and non-cardholders on United.com? I explained it all on this post about United.com Expert Mode)

Note that saver award availability is very fluid, the results below are accurate as of 12:30am this morning.

Newark-Tel Aviv (Number of available saver award seats):
01/12: Cardholders: 8, Non-cardholders: 6
01/18: Cardholders: 3, Non-cardholders: 0
01/23: Cardholders: 9, Non-cardholders: 5
01/24: Cardholders: 9, Non-cardholders: 7
01/27: Cardholders: 4, Non-cardholders: 0
01/29: Cardholders: 7, Non-cardholders: 0
02/02: Cardholders: 9, Non-cardholders: 0
02/03: Cardholders: 9, Non-cardholders: 0
02/05: Cardholders: 9, Non-cardholders: 6
02/05: Cardholders: 2, Non-cardholders: 0
02/09: Cardholders: 9, Non-cardholders: 3
02/10: Cardholders: 4, Non-cardholders: 0
02/15: Cardholders: 9, Non-cardholders: 3
02/17: Cardholders: 9, Non-cardholders: 4
02/18: Cardholders: 8, Non-cardholders: 0
02/19: Cardholders: 6, Non-cardholders: 0
02/20: Cardholders: 7, Non-cardholders: 0
02/21: Cardholders: 6, Non-cardholders: 0
02/23: Cardholders: 9, Non-cardholders: 6
02/24: Cardholders: 6, Non-cardholders: 0
02/25: Cardholders: 9, Non-cardholders: 0
02/28: Cardholders: 9, Non-cardholders: 0
03/01: Cardholders: 3, Non-cardholders: 0
03/02: Cardholders: 9, Non-cardholders: 0
03/03: Cardholders: 9, Non-cardholders: 0
03/04: Cardholders: 9, Non-cardholders: 0
03/09: Cardholders: 2, Non-cardholders: 0
03/17: Cardholders: 9, Non-cardholders: 0
03/22: Cardholders: 9, Non-cardholders: 0

JFK-Los Angeles (Number of available saver award seats):
01/12: Cardholders: 6, Non-cardholders: 4
01/13: Cardholders: 8, Non-cardholders: 6
01/14: Cardholders: 5, Non-cardholders: 3
01/17: Cardholders: 4, Non-cardholders: 0
01/18: Cardholders: 2, Non-cardholders: 0
01/20: Cardholders: 3, Non-cardholders: 0
01/21: Cardholders: 6, Non-cardholders: 2
01/22: Cardholders: 4, Non-cardholders: 0
01/23: Cardholders: 9, Non-cardholders: 5
01/24: Cardholders: 9, Non-cardholders: 5
01/29: Cardholders: 9, Non-cardholders: 3
02/01: Cardholders: 8, Non-cardholders: 1
02/05: Cardholders: 9, Non-cardholders: 4
02/06: Cardholders: 9, Non-cardholders: 5
02/11: Cardholders: 5, Non-cardholders: 0
02/19: Cardholders: 9, Non-cardholders: 6
02/20: Cardholders: 9, Non-cardholders: 2
02/21: Cardholders: 9, Non-cardholders: 1
02/25: Cardholders: 9, Non-cardholders: 7
02/26: Cardholders: 9, Non-cardholders: 0
02/27: Cardholders: 9, Non-cardholders: 1
02/28: Cardholders: 9, Non-cardholders: 4
03/01: Cardholders: 7, Non-cardholders: 0
03/05: Cardholders: 9, Non-cardholders: 0
03/06: Cardholders: 4, Non-cardholders: 0
03/12: Cardholders: 9, Non-cardholders: 0
03/16: Cardholders: 9, Non-cardholders: 1
03/18: Cardholders: 9, Non-cardholders: 2
03/23: Cardholders: 9, Non-cardholders: 7
03/30: Cardholders: 9, Non-cardholders: 1
03/31: Cardholders: 9, Non-cardholders: 0

How do you find expanded award availability? All you need to do is login to your United.com account before you search for award flights. Never use the United.com remember me option when logging in.

How do you know if your card is properly linked to your account? Just login on United.com and then hover over the words “Mileage Expiration”

If your card is properly linked you will see the following message that your miles won’t expire as long as you remain a cardholder:
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If your card isn’t properly linked then you will see the following message that your miles will expire if you don’t have activity every 18 months:

 

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If you have a United card but don’t see the non-expiring message just add the card to your United.com account here and it should be linked within 48 hours.

Other card benefits:
Besides for the signup bonus of 30K miles for spending $1,000 and another 5K miles for adding a free authorized user and the expanded award space, there are other really nice benefits of the Explorer card:
-Primary CDW insurance in every country in the world.
-First checked bag free.
-Priority boarding so that you’ll have space for your carry-ons.
-No foreign transaction fees.
-2 free transferable United lounge passes per year.
-10K mileage bonus every year that you spend $25K, a 40% mileage bonus which means you’ll have earned 1.4 miles per dollar everywhere.
-Spending $25K in a year also waives the requirement to spend $3K on United flights to get Silver status, $6K on United flights to get Gold status, and $9K on United flights to get Platinum status. You only need to fly the 25K, 50K, or 75K miles like in the good old days.
-Double miles on United purchases.
-Elite members can get upgrades on coach award tickets on upgrade eligible routes if they have a United card.
-Miles don’t expire as long as you are a cardholder.

The $95 annual fee is waived for the first year.

-You can also get the business version of the Chase United Explorer card which also qualifies for expanded saver award space. Just click on “Are you a business owner” in the top-right of the Explorer card link.

-Want a 2nd free bag, a 50% mileage bonus per dollar spent everywhere, United club access for you and your entire family, post-security terminal access without a ticket, priority baggage handling and priority security access, and waived award expedite fees? The United Club card comes with all of that.  Just click on the MileagePlus Club tab at the right side of the Explorer card link.

The Explorer business, Club, and the now defunct Presidential Plus card also give expanded saver award availability.

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Other Chase cards you can apply for at the same time include the Chase British Airways (50K signup points, 1.25 Avios per dollar, an annual companion award ticket if you spend $30K+ in a year and the annual fee is waived for a limited time only), the Chase Freedom (which has no annual fee, gives 5 points per dollar in rotating categories, and 10% bonus points in 2015 if you have a Chase checking account), the Chase Sapphire Preferred (40K signup points plus another 5K points for adding a free additional user, no fee the first year, free primary car rental insurance including in the US and Israel, plus 2-2.14 points per dollar on travel and dining with no Foreign Exchange fees), the Chase Marriott (with 50K signup points plus a free night upon signup and a free night every subsequent year upon renewal),the Chase Ink Plus (50K signup points, 5 points per dollar on telecom/office supplies, 2 points per dollar on hotels and gas) and the Chase Ink Cash (which has no annual fee and gives 5 points per dollar on telecom/office supplies and 2 points per dollar on dining and gas).

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Get 2 Free Chicago White Sox Tickets And A Pack Of Baseball Cards With Signup For Slugger Kids Club

Get 2 Free Chicago White Sox Tickets And A Pack Of Baseball Cards With Signup For Slugger Kids Club

Please note: Each household will be limited to five (5) Slugger memberships.  There is no charge for a slugger kids membership.

The 2015 Slugger membership kit includes:
-Pack of White Sox Baseball Player Cards
-Two Upper Level game tickets (to be redeemed online with a promotional code)
-Membership certificate
-Two Digital Newsletters
-Other special ticket and merchandise discounts

HT: Yosef_S, via DDF

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Apple iPad Air 2 16GB For $399.99 Shipped From AltaTac Via eBay Daily Deals

-Click here to view all of eBay’s daily deals.

-Enroll in eBay Bucks and get 2% back (or more via targeted offers) on your eBay purchases.
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Apple iPad Air 2 16GB For $399.99 Shipped From AltaTac Via eBay Daily Deals

Select from silver or gold. Limit 5 per account.

-Apple iOS 8; 9.7-Inch Retina Display; 2048×1536 Resolution
-A8X Chip with 64-bit Architecture; M8 Motion Coprocessor
-Wi-Fi (802.11a/b/g/n/ac); 16 GB Capacity
-8 MP iSight Camera; FaceTime HD Camera
-Up to 10 Hours of Battery Life

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12% Off Frontier Flights

Earn 2-2.14 points per dollar and get free insurance for trip cancellation, trip interruption, trip delay, lost luggage, delayed luggage, and travel accident insurance with Chase Sapphire Preferred.
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Frontier Promo Booking Linky

Use promo code: PREGAME
-Book by 01/09.
-Valid for travel between 01/20-02/28.
The following blackout dates apply: Feb 2, 13, and 16.

Note that Frontier now charges for carry-on baggage. Join Frontier’s Discount Den for free to pay $15 for checked bags and $20 for large carry-ons after a $5 discount on each.

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HOT! 10,000 Sheets Of Staples Multipurpose Paper For Negative $10.02 After AMEX Offers And Easy Rebate!

See discussion of the previous paper deal here.

Staples Multipurpose Paper Linky

Step 1: Check your AMEX account for a $25 off $100 offer.

Be sure to read that post for how to register all of your targeted cards.

Step 2: Text the word “SAVE” to 555-444 (Or sign up your phone via this online form) for a $5 off code.  If you’ve received that code in the past you can even have the code sent to a Google Voice number!  If you need more codes you can open another Google voice number.

If you only have 1 targeted card:

-2 cases of paper (10,000 sheets) will be $107.98, less the $25 AMEX discount, less the $5 Staples.com coupon, and less an $88 rebate and your total will be negative $10.02 with free shipping (plus sales tax where applicable).

-3 cases of paper (15,000 sheets) would be $161.97, less the $25 AMEX discount, less the $5 Staples.com coupon, and less a $132 rebate and your total will be negative 3 cents with free shipping (plus sales tax where applicable).

If you have 2 targeted cards:

You can make 2 orders of 2 cases of paper on 2 different AMEX cards to get 20,000 total sheets for negative $20.04.

I ordered paper on Sunday, it was delivered on Tuesday and yesterday I already got confirmation that my $132 rebate is being processed!

Use this link to get a $44 Visa gift card via Staples Easy Rebate for each case on up to 4 cases of paper.

Just click on the form from the Staples.com offer:

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You can then read the terms of the offer (4 per household) but rather than print out the rebate just follow the online link to submit the rebate electronically with your order number.  The easy rebate will cover all of the cases in your order.

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That’s $88 back on 2 cases, $132 back on 3 cases, or $176 back on 4 cases.

You can submit the rebate immediately after ordering, though it will not state the amount of the rebate right away. The rebate can take 4 to 11 weeks to arrive.

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Check Your AMEX Account For A Targeted $25 Off $100 Staples Offer

To see if you have this offer just login to your AMEX account, click on any of your cards to go the activity page, click on “AMEX Offers For You,” and save the offer to your account as shown below:

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All of my cards have the offer. If you also have multiple cards with the offer don’t rush to save the offer to your account!  Open up the Offers page for each card in a separate tab in the same browser and be ready to click save offer on each tab..  Then go between the tabs to save the offer to each of your targeted cards.  Otherwise once you save the offer to one card it disappears from your other cards.

You can also register your secondary cards for their own AMEX login and register each of those cards as well.

Once again gift cards are officially excluded, though in the past I’ve always gotten credit for the purchase of physical gift cards like the $100 or $200 Visa gift cards.  DDF’ers are already reporting getting credit confirmation for Visa cards this time as well.

A $100 Visa will be $81.95 shipped with this offer.

You can see this post for how to cash them out.

HT: Thingywingy, via DDF

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Skullcandy Riff Headphones For $9.99 Shipped From Lenovo

Skullcandy Riff Headphones For $9.99 Shipped From Lenovo

Use $15 off code: USP1DE242709

-Audio headset features: microphone, pause and answer buttons on cord
-Calling features: noise reduction
-Sound enhancements: enhanced bass, acoustic reflector

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25 Free Hertz Points: Extend Your Points Expiration Date

Register for the Hertz Winter Promo here and you’ll instantly be awarded with 25 points.

25 points won’t do much (a free weekend rental day is 550 points), but it will extend the expiration of your account balance by 24 months.

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Samsung Galaxy Note Pro 12.2 Inch 32GB Tablet For $429 Shipped From Newegg Via eBay Daily Deals

-Click here to view all of eBay’s daily deals.

-Enroll in eBay Bucks and get 2% back (or more via targeted offers) on your eBay purchases.
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Samsung Galaxy Note Pro 12.2 Inch 32GB Tablet For $429 Shipped From Newegg Via eBay Daily Deals

Select from Black or White.

This sells for $647.99 on Amazon. $649 from B&H, and $649.99 from Best Buy.

-Android 4.4 Kit Kat OS, 1.9GHz Samsung Exynos 5 Octa processor
-32 GB Flash Memory, 3 GB RAM
-12-inch 2560×1600 WQXGA Display
-Features Hancom Office, Multi Window (up to 4), Magazine UX, Remote PC, Sidesync

You can also buy eBay gift cards at Staples stores where you can use your Ink Plus or Ink Cash card to earn 5 points per dollar.

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Do You Maximize Your Credit Card Spending? Here’s Where You Should Be Using Each Of Your Credit Cards.

-Find more posts like this by clicking on the “Credit Card Posts” tab and find credit card offers in the “Credit Cards” tab above of the DansDeals banner at the top of this site.

American Express is a DansDeals.com advertiser.
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People always ask me what credit card they should be using to get the most bang for their buck.  There are lots of great credit card, but there is no best credit card, so the trick is to optimize your spending to earn the most possible rewards.

To figure that you need to calculate the value of a mile, another challenging topic.

You can value a mile by what they sell for on the grey market, but that’s not really fair because those miles are being resold by a broker to someone else at a higher valuation.  So there’s 1 grey market value for what a broker will pay (and even that will depend on the broker, the amount being sold, and constantly changing market conditions) and there’s another grey market value if you actually know end users as the brokers do.

I know of folks who fly first class internationally just to make contacts with people who actually pay $30,000 to be in the pointy section of the plane.  On a flight back home from Hong Kong in Cathay First another passenger offered to take us on his yacht.  He paid the full fare and doesn’t have the time to figure out the mileage game. However I’m sure he’d be happy to save $10K on his $30K tickets, and that would have an astronomical value per mile. Of course the airlines frown on all this and some airlines aggressively shut accounts down for selling their miles.

A better way of valuing miles is according to what you use them for as that’s how they’re intended to be used, though again, the problem with that is the sky is the limit.  A last-minute British Airways award for a flight that costs $1,200 is just 9,000 Avios, a value of  over 13 cents per mile. You can fly in a private walled-in Singapore suite to Europe for 57,000 miles one-way. In business or first class you miles can easily be worth more than 20 cents each.  I’ve had redemptions where my miles were worth over 50 cents each.  Combine with that a card that earn over 2 miles per dollar and it means that everything you buy is free 😉  OK, that’s an ridiculously extreme way to look at things, but it shows how difficult this exercise is.

And then you have Pa Kettle who redeems 50,000 miles for a $200 domestic ticket where their miles will only be worth less than half a cent each.

Determine the value:

I don’t care for posts that claim to put a value on the various currencies without any disclaimers.  Their value ultimately depends on what YOU will do with the points.

If you’re selling your miles to a broker, realize they need to turn a profit as the middleman, and that means you’ll probably lose between 0.1-0.4 cents off of these valuations depending on the broker and the amount you’re selling.  You’ll never do as well selling to a broker as you will selling directly to someone actually flying somewhere last minute coach or in business or first class or by just using the miles yourself.

Having miles locked into a program is worth less than having points in a flexible currency.  Flexible currencies allow you to wait and see what is available for when you want to travel. And they are a hedge against devaluations. Therefore they are worth more than any individual program.

Instead of giving a value to each currency, I’ll just share the minimum value I aim for when I use my points. Often I get several times that value, but let’s call their value the minimum level at which if I can’t attain that value I won’t burn the points. Feel free to plugin your own numbers as this is a highly personal exercise.

-Starwood Starpoints: 2.1 cents (Use for hotels or get a 25% points bonus when you transfer increments of 20K into 25K miles with dozens of airlines like ANA, Air Canada, Alaska, American, British Airways, Delta, Flying Blue, Singapore, and USAirways. Caveat: Transfers aren’t instant.)
-Chase Ultimate Rewards points: 1.75 cents (Transfer to hotels like Hyatt or airlines like British Airways, Singapore, Southwest, and United)
-American Express Membership Rewards points: 1.65 cents (Transfer to airlines like ANA, Air Canada, British Airways, Delta, El Al, Flying Blue, and Singapore. Caveat: No good hotel options and transfers to domestic program incur fees.)
United miles: 1.7 cents
American/USAirways miles: 1.7 cents
British Airways Avios: 1.5 cents
Delta miles: 1.4 cents
Barclay Arrival gives 2.22% cash back.
Fidelity gives 2% cash back
Blue Cash gives 1-3% cash back
Blue Cash Preferred gives 1-6% cash back

Of course you can currently transfer 1 AMEX MR point into 1.4 British Airways Avios, so that would give AMEX points an imputed value of 2.1 cents.  However that promotion ends 01/31, so while the points may be temporarily worth more, I wouldn’t call that their long-term value.

To repeat: Value is highly subjective.  Determine how you value each currency, use the formulas I’ve laid out at the bottom of this post, and figure out if that will change where you should be using each card.

Let’s take a look at what you can earn for spending on 19 different cards:

Cards with transferable point currencies:
Chase Sapphire Preferred Visa Signature
Annual fee: Free then $95. Forex fee: None. Signup bonus: 40K for spending $4K plus 5K for adding an additional user. Highlights: Signup bonus, double points for dining and travel.
Chase Ink Plus Business Card
Annual fee: Free then $95. Forex fee: None. Signup bonus: 50K for spending $5K. Highlights: Signup bonus, double points for gas and hotels, quintuple points for office supplies and telecom, annual lounge passes.
Chase Ink Cash Business Card
Annual fee: None. Forex fee: 3%. Signup bonus: 20K for spending $3K. Highlights: Double points for gas and dining, quintuple points for office supplies and telecom, annual lounge passes.
Chase Freedom Visa
Annual fee: None. Forex fee: 3%. Signup bonus: 10K for spending $500. Highlights: Quintuple point rotating categories, 10% checking bonus (ending 12/31/15)
Starwood Preferred Guest® Credit Card from American Express
Annual fee: Free then $65. Forex fee: 2.7%. Signup bonus: 25K for spending $5K. Highlight: 25% bonus for converting points into miles.
The Amex EveryDay Credit Card from American Express
Annual fee: None. Forex fee: 2.7%. Signup bonus: 10K for spending $1K plus a year of Amazon Prime ($99 value). Highlights: The only free card that allows that allows direct mileage transfers, 1.2-2.4 points per dollar everywhere.
The Amex EveryDay Preferred Credit Card from American Express
Annual fee: $95. Forex fee: 2.7%. Signup bonus: 15K for spending $1K plus a year of Amazon Prime ($99 value). . Highlights: 1.5-4.5 points per dollar everywhere.
American Express® Premier Rewards Gold Card
Annual fee: Free then $175. Forex fee: 2.7%. Signup bonus: 25K for spending $2K. Highlights: Double points on gas and groceries, triple points on airfare.
Platinum Card® from American Express
Annual fee: $450. Forex fee: None. Signup bonus: 40K for spending $3K. Highlights: Signup bonus, Centurion lounge access, Airspace lounge access, Delta lounge access, Priority Club worldwide lounge access, $200 annual airline fee refund, Starwood Gold Elite status, Global Entry/TSA Pre-Check enrollment fee refund.

Airline cards:
Chase British Airways Visa Signature
Annual fee: $95. This fee is waived for the first year for a limited time only. Forex fee: None. Signup bonus: 50K for spending $2K. Highlights: Signup bonus, 1.25 miles per dollar spent, 10% off BA flights, worldwide companion certificate on award tickets if you spend $30K/year.
Chase United MileagePlus Explorer
Annual fee: Free then $95. Forex fee: None. Signup bonus: 30K for spending $1K plus 5K for adding an additional user. Highlights: Signup bonus, free checked bag, expanded saver and standard award availability, never-expiring miles, priority boarding, 2 annual club passes, elite upgrades on award tickets.
Chase United MileagePlus Club (Click on Club card on the right of the page)
Annual fee: $395. Forex fee: None. Signup bonus: $100. Highlights: United Club membership including security passes when not flying, 2 free checked bags, waived award last minute booking fees, premier baggage handling, security, and boarding, expanded saver and standard award availability, never-expiring miles, elite upgrades on award tickets.
Gold Delta SkyMiles® Credit Card from American Express
Annual fee: Free then $95. Forex fee: None. Signup bonus: 30K for spending $1K plus $50 back for making a Delta purchase. Highlights: Signup bonus, free checked bag, priority boarding.
Citi AA Mastercard
Annual fee: Free then $95. Forex fee: 3%. Signup bonus: 50K for spending $3K. Highlights: Signup bonus, priority boarding, free checked bag, 10% up to 10K award rebate.
The US Airways® Premier World MasterCard®
Annual fee: $89. Forex fee: 3%. Signup bonus: 50K for spending $1. Highlights: Signup bonus, priority boarding, free checked bag, 5K mileage discount on USAir flights

Cashback cards:
Barclaycard Arrival Plus™ World Elite MasterCard®
Annual fee: Free then $89. Forex fee: None. Signup bonus: $400 for spending $3K. Highlights: Signup bonus, 2.22% cash back everywhere.
Fidelity American Express
Annual fee: None. Forex fee: 1%. Signup bonus: None. Highlight: 2% cash back everywhere.
Blue Cash Everyday® Card from American Express
Annual fee: None. Forex fee: 2.7%. Signup bonus: $50 for spending $1K plus a year of Amazon Prime ($99 value). . Highlight: Up to 3% cash back.
Blue Cash Preferred® Card from American Express
Annual fee: $75. Forex fee: 2.7%. Signup bonus: $100 for spending $1K plus a year of Amazon Prime ($99 value). . Highlight: Up to 6% cash back.

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Now that we have a value set for each currency we can translate that into the rewards percentage you’ll get for various types of purchases.  Below are the numbers for regular purchases as well as several common categories where you earn more than everyday purchases.

Everyday purchase (Click here to see how many points are earned and how these calculations are made):
-Ink (general spending made via $200 gift cards bought from Staples at a cost of $6.95): 5.58%
-United Club: 2.55%
-AMEX EveryDay Preferred (if you make 30 transactions per month): 2.48%
Note: You can buy $0.50 Amazon gift cards to get up to 30 each month.
-United Explorer (assuming you spend exactly $25K per year): 2.38%
-Barclaycard Arrival: 2.22%
-Starwood: 2.1%
-Fidelity: 2%
-AMEX EveryDay (if you make 20 transactions per month): 1.98%
-Chase Freedom with Chase checking: 1.93%
-British Airways: 1.88%
-Sapphire Preferred with 7% dividend: 1.87%
-Ink: 1.75%
-Freedom without checking: 1.75%
-Sapphire Preferred without 7% dividend: 1.75%
-United Explorer (under $25K spend per year): 1.7%
-American/USAirways: 1.7%
-Premier Rewards Gold: 1.65%
-AMEX Platinum: 1.65%
-Delta: 1.4%
-Blue Cash/Blue Cash Preferred: 1%

Amazon.com Purchase:
-Chase Freedom with Chase checking during promo quarter: 9.63%
-Ink (via Amazon gift card bought from an office supply store): 8.75%
-Chase Freedom without Chase checking during promo quarter: 8.75%
-See everyday purchases for standard percentage back on other cards.

Airfare:
-Ink (For Southwest flights via Southwest gift cards bought from an office supply store): 8.75%
-Premier Rewards Gold : 4.95%
-United Explorer on United flights (assuming you can spend exactly $25K in a year): 4.08%
-Sapphire Preferred with 7% dividend: 3.75%
Note: Sapphire Preferred also offers valuable insurances on airfare.
-British Airways on British Airways flights: 3.75%
Note: The British Airways card also gets a 10% discount on BA flights.
-Sapphire Preferred without 7% dividend: 3.5% (This card also offers valuable insurances on airfare)
Note: Sapphire Preferred also offers valuable insurances on airfare.
-United Club on United flights: 3.4%
Note: You must use the United card to get free baggage.
-United Explorer on United flights (under $25K spend/year): 3.4%
Note: You must use the United card to get free domestic baggage.
-American on American flights: 3.4%
-USAirways on USAirways flights: 3.4%
-Delta on Delta flights: 2.8%
-See everyday purchases for standard percentage back on other cards.

Car Rental:
Sapphire Prefered and United cards have primary insurance coverage worldwide:
-Ink Plus at Alamo or National: 5.75%
-Sapphire Preferred with 7% dividend: 3.75%
-Sapphire Preferred without 7% dividend: 3.5%
-United Club: 2.55%
-United Explorer (assuming you can spend exactly $25K in a year): 2.38%
-United Explorer (under $25K spend/year): 1.7%
-See everyday purchases for standard percentage back on other cards.

Hotel:
-Ink Plus at any Wyndham hotel brand: 8.5%
-Starwood at a Starwood hotel: 4.2%
-Sapphire Preferred with 7% dividend: 3.75%
-Sapphire Preferred without 7% dividend: 3.5%
-Ink Plus: 3.5%
-See everyday purchases for standard percentage back on other cards.

Restaurant:
-Chase Freedom with Chase checking during promo quarter: 9.63%
-Ink (For restaurant gift cards bought from an office supply store): 8.75%
-Chase Freedom without Chase checking during promo quarter: 8.75%
-Sapphire Preferred on the first Friday of the month with 7% dividend: 5.62%
-Sapphire Preferred on the first Friday of the month without 7% dividend: 5.25%
-Sapphire Preferred with 7% dividend: 3.75%
-Ink Cash: 3.5%
-Sapphire Preferred without 7% dividend: 3.5%
-See everyday purchases for standard percentage back on other cards.

Gas:
-Chase Freedom with Chase checking during promo quarter: 9.63%
-Ink (via gas gift card bought from an office supply store): 8.75%
-Chase Freedom without Chase checking during promo quarter: 8.75%
-AMEX EveryDay Preferred (if you make 30 transactions per month): 4.95%
-Ink at Chevron or Texaco: 4.5%
-Ink: 3.5%
-Premier Rewards Gold: 3.3%
-Blue Cash Preferred: 3%
-See everyday purchases for standard percentage back on other cards.

Groceries (Including gift cards):
-Chase Freedom with Chase checking during promo quarter: 9.63%
-Ink (via grocery gift card bought from an office supply store): 8.75%
-Chase Freedom without Chase checking during promo quarter: 8.75%
-AMEX EveryDay Preferred (if you make 30 transactions per month): 7.43%
-Blue Cash Preferred: 6%
-AMEX EveryDay (if you make 20 transactions per month): 3.96%
-Premier Rewards Gold: 3.3%
-See everyday purchases for standard percentage back on other cards.

Office Supply purchases (including gift cards to other stores)
-Ink: 8.75%
-See everyday purchases for standard percentage back on other cards.

-Internet/Phone/Cable bills:
-Ink: 8.75%
-See everyday purchases for standard percentage back on other cards.

Department stores:
-Chase Freedom with Chase checking during promo quarter: 9.63%
-Chase Freedom without Chase checking during promo quarter: 8.75%
-Blue Cash Preferred: 3%
-See everyday purchases for standard percentage back on other cards.

Uber:
-AMEX EveryDay Preferred (if you make 30 transactions per month): 4.95%
-AMEX EveryDay (if you make 20 transactions per month): 3.96%
-Sapphire Preferred with 7% dividend: 3.75%
-Sapphire Preferred without 7% dividend: 3.5%
-Premier Rewards Gold: 3.3%
-AMEX Platinum: 3.3%
-See everyday purchases for standard percentage back on other cards.

Things to bear in mind:

-If you might need return protection, purchase protection, extended warranty protection, or dispute resolution on an item you’ll probably want to use an American Express card as their protections are pain-free and amazing. If you have a problem with a merchant you can file an easy dispute online. If you buy a final sale item they will take it back without a fuss, or if it’s under $100 they’ll usually credit you without even needing you to send it back. If your computer breaks in the extended warranty year they will refund it.

-You can change how you value each mileage currency and that will change the results.  Above is a general guideline, but it’s highly variable based on how you use your miles.

-When buying gift cards for spending you will lose the protections that a credit card offers like dispute resolution. You also have to factor in the “pain” factor of getting the gift card and the fact that you can cash out the gift card at Walmart or other stores for free or for a nominal fee.

-Some of the bonuses have spending caps such as:
-Ink Plus: $50K annual spend in quintuple and $50K annual spend in double point categories.
-Ink Cash: $25K annual spend in quintuple and $25K annual spend in double point categories.
-Freedom: $1,500 quarterly spend in quintuple point categories.
-Blue Cash/Blue Cash Preferred: $6K annual spend in grocery category.
-AMEX Everyday/Everyday Preferred: $6K annual spend in grocery category.

-The points from Freedom and Ink Cash can’t transfer directly into real miles. You or your spouse will need an active Sapphire Preferred or Ink Plus when you want to make that transfer.
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Read the methodology and calculations behind the numbers, and learn to plugin your own mileage values after the jump:

Click here to read the rest of this post!»

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eBay Deals: Gas Gift Card, iPad 4, Acer Core i7 Laptop And More

-Click here to view all of eBay’s daily deals.

-Enroll in eBay Bucks and get 2% back (or more via targeted offers) on your eBay purchases.
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-$100 Chevron/Texaco Gift Card And A $10 Gas Gift Card: $100
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-Apple iPad 4 Retina (4th Gen) 16GB 4G GSM Unlocked: $349.99

This sells for $446.98 on Amazon.
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Acer Aspire 15.6 Inch Core i7 Laptop: $559.99

Specs:
-Windows 8.1 64-Bit
-Intel Core i7-4510U 2.0 GHz
-15.6″
-8GB Ram
-1TB Hard Drive
-Intel HD Graphics 4400
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-32GB SAMSUNG Galaxy Note Pro 12.2 Quad Core: $429

This sells for $647.99 on Amazon.

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HURRY! Unprecedented Coach And Business Class Saver Award Availability On Select Delta Partner Routes Now Bookable With Delta Miles!

Delta Skymiles have long been derided as Skypesos for their exorbitant award rates and lack of saver award availability.

A week ago they started finally allowing one-way award redemptions, though that came at the expense of a free stopover.

If you act quickly Delta.com is showing impossible amounts of saver award space on some partner routes. And people are reporting that it is ticketing properly.

Take the JFK to London route for example.  Delta is partners with Virgin Atlantic, which flies an excellent business class product on the route, and has top-notch lounges with kosher meals available in the lounge as well.

I did a search for 9 seats in peak summer travel time. Under any normal circumstances there would be nothing available for that many seats on a single flight.  But check this out…

 

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Almost every single day has 9 seats available in business saver class on Virgin Atlantic.

The best way to search is to use this advanced search form and set it up as shown here:

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It’s not just business class either. A search for 9 coach seats from JFK to London:

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Note that one-way flights from Europe do have a fuel surcharge, so you’ll want to book flights to Europe as a round-trip.  It’s just easier to initially search for a one-way trip.

Here’s a search for 4 seats in business class on a nonstop flight from Los Angeles to Sydney.  Nearly every date came back as bookable on Virgin Australia:

 

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A search for 9 seats from Paris to Johannesburg in business class, nonstop on Air France:

 

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New York to Paris isn’t showing availability every day like this, but still this is great availability for 2 business class seats from JFK to Johannesburg via Paris. Just be sure to switch from nonstop to all flights.

 

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Here is a search for 9 business class seats nonstop from JFK to Seoul on Korean:

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And a search for 4 seats from JFK to Hong Kong in business class on Korean via Seoul. Be sure to switch from nonstop to all flights:

 

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American Express is a DansDeals.com advertiser.

You can earn Delta miles on the Gold Delta SkyMiles® Credit Card from American Express and you can transfer AMEX points instantly to Delta at a 1:1 ratio from credit cards like The Amex EveryDay Preferred Credit Card from American Express and The Amex EveryDay Credit Card from American Express. You can also earn Membership Rewards points from charge cards like the American Express® Premier Rewards Gold Card and The Platinum Card® from American Express.

You can also transfer points from the Starwood Preferred Guest® Credit Card from American Express at a 20K:25K ratio, but those transfers can take a few days.

Delta miles never expire and they have no close-in expedite fee.

Post what other routes you find with incredible award availability!

HT: Moishebatchy via DDF and DCTA

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Black & Decker 18-Volt Drill For $29.97 From Walmart

Black & Decker 18-Volt Drill For $29.97 From Walmart

This sells for $55.97 on Amazon.

-24-position clutch
-Keyless chuck makes bit changing a breeze
-The slide battery pack is a snap to install and replace

Free shipping on $50+ orders or $4.95 ship to home on orders under $50.
Pickup at any Fedex or WalMart store for free shipping on all orders!

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Case of 2 Rubbermaid Easy-Find 24-Piece Plus 4 Food Storage Sets For $20 From Walmart

Case of 2 Rubbermaid Easy-Find 24-Piece Plus 4 Food Storage Sets For $20 From Walmart

In total you’ll have 56 pieces for just $20.

Limit 2 per order.

1 set of 24 pieces without the 4 bonus pieces sells for $18.61 on Amazon where it has great 4.5 star reviews. So 2 sets of 24 pieces without the 8 bonus pieces would be $37.22 on Amazon.

Each 24 plus 4 set contains:
-Lids snap to each other and container bases
-Four 1/2-cup containers with lids
-Two 1-1/4-cup containers with lids
-Two 2-cup containers with lids
-Two 3-cup containers with lids
-Two 5-cup containers with lids
-Two 7-cup containers with lids
-Rubbermaid Food Storage 24 Piece Set is made of plastic
-Microwave, freezer, and dishwasher safe

Free shipping on $50+ orders or $4.95 ship to home on orders under $50.
Pickup at any Fedex or WalMart store for free shipping on all orders!

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Save 47.5%-62.5% Off At Banana Republic With Stackable Savings!

Banana Republic Linky

Men’s Clothing Sale
Women’s Clothing Sale
Petite’s Clothing Sale
Shoes and Accessories Sale

Receive 50% off sale items (found via the links above) with code (Exp: 01/10): BREXTRA
Receive 30% off full priced items with code(Exp: 01/12): BRBLUE

Plus you can subscribe to Banana Republic emails via this mobile link and get a 25% off coupon so you can save 25% on top of the 30%-50% off which creates an effective 47.5%-62.5% discount. After you enter your email address and select your preferences you’ll be sent a one-time use coupon. The coupon should come within a few minutes, be sure to check your Promotion and Spam folders.

If you already subscribe you can use another email address or just add a +1, +2, +3 after your Gmail address. If your address is banana@gmail.com then banana+1@gmail.com, banana+2@gmail.com, banana+3@gmail.com, banana+4@gmail.com, etc will all work and be sent to your regular banana@gmail.com address.

Alternatively if you have ever received an email from Banana with the title “Waiting to wow you” or “We’re still waiting to wow you” then you have a one-time use coupon good for 40% off! Even if these codes have a stated expiration they actually don’t expire, so search your inbox for “Waiting to wow”

You can use the 40% off on top of the 30%-50% off codes for an effective 58%-70% savings. This won’t stack with the 25% off new email subscriber coupon.

The email confirmation will only show the 25% or 40% email code discount under promotions as the base price of the item itself will already be discounted by 30%-50%.

Post what deals you find!
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If you have a Ink Plus or Ink Cash card you can earn 5 Ultimate Rewards points (transferable to several airlines and hotels) per dollarby buying Gap Inc gift cards at Staples.

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Cure For The Common Snow: 2015 Honda Pilot EX-L Or Pilot SE For ONLY $289/Month!

Please note: This is a paid advertisement which is stickied as the top post, please scroll down for new posts.

Plaza Auto Leasing Exclusive!

HURRY-VERY LIMITED QUANTITY! Expires 1/15/15

Honda Pilot EX-L Features: Leather Seating, Sunroof, Backup Camera, Bluetooth

Honda Pilot SE Features: DVD, Backup Camera, Bluetooth

Details: This exclusive deal is only available through PALs to certain areas. Residency restrictions apply. Due at signing is first month, bank fee, registration, applicable taxes.

For more great deals on any vehicle, make or model call 718-975-9000 or click here to see our specials!

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