Capital One Bank’s $300 SmartCents Bonus and Bank of America’s $250 KTC Bonus

October 26, 2009 · Filed Under Bank deals & offers · 1 Comment 

Those with a Capital One account, you can know earn up to $300 with Capital One Bank’s SmartCents. It’s almost the same as Bank of America’s Keep The Change Program.

Here are some SmartCents features:

  • — Completely free checking – no monthly or annual service fee, no
    minimum balance requirement, no direct deposit requirement
  • – 50 cent SmartCents transfers for each debit card purchase or online
    bill pay
  • – 100% match from Capital One Bank on eligible SmartCents transfers for
    first 3 months and 5% match after that
  • – Cash bonuses for setting up direct deposit and paying a bill online
  • – Up to $300 per year in bank contributions
  • — Free online banking and bill pay service
  • – FDIC insured

You must have both a Capital One SmartCents checking and a savings account from the retail bank in order to participate. Hence, the Costco 1.75% APY cannot be used. Unlike Bank of America, you don’t need $1.01 payments–any payment will do ($1.00 or $1.99 will get the same 50 cent promo match the first three months). Quickest way to get this done? Keep pumping gas a $1.xx each time for like 300 times over the 3 months.

The Smartcents program is only for people living in  Connecticut, Louisiana, New Jersey, New York, Texas and Virginia.

After opening the retail accounts at the branch, you can open this $60 bonus 1.75% APY Costco Capital One account. You must be an executive member to enjoy this bonus.

Bank of America’s Keep the Change Program

If you never done BofA’s KTC program, this can be a nice hefty bonus at the end of the year. They will match 100% up to 99 cents each time for doing a debit purchase for the first 3 months.  They take out the change, and send it to your savings account from your checking account each debit purchase. Basically, you need to drive to the gas station at night, and do about 30 $1.01 purchase pumping gas into your car. That has been the best method for me. Find an empty gas station and keep pumping a $1.01. Do this about 9 nights x 30 times each night and you should be good. Expect a $250 bonus at the anniversary of your opening date account.

Here’s $100 Bonus to open your Bank of America account to get on top of the $250 KTC program.

Hustler’s Free Money of the Day:

Lending Club was kind enough to allow me to offer my readers a special promotion: Open a lending account and receive a $25 bonus. You can use this bonus to make your first loan. To take advantage of this promotion, please click on this specific promotional link. Many of my readers have gotten the bonus and have enjoy their experience.

Here’s what to do:

  1. Go though this Special Lending Club link
  2. Fill in your name, email, password, and make up a user ID.
  3. Verify your identity
  4. Add your bank account and wait them to withdraw an amount less than $1
  5. Wait for a few days, and verify the amount that has been withdrawn.
  6. Deposit $1 to get $25 bonus.
  7. Bonus will show up after the initial deposit.

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Chase Freedom $50 Bonus after first purchase

October 19, 2009 · Filed Under Credit Card bonuses · Comment 

Of the many Chase Consumer cards out there, the Chase Freedom Cash Visa Card is ranked on top for its cash back program. Sign up now and get $50 bonus after first purchase. The card offers 3% cash back on rotating categories such as gas, groceries, and quick service restaurants. Earn up to 20% cash back when you shop online at select merchants through Chase. You will earn 1% for all other purchases. This seem to be rock solid cash back program with groceries, gas, and restaurants(fast food) combination.

You would think that there are cards such as the AmEx Blue which gives you 5% cash back on the same category. However, the AmEx Blue is on a tier system whereas the 5% cash back will only kick in after $6500 in spending. The Chase Freedom Cash Visa Card has no such tier system.

Chase bonus

It has no annual fee and 0% Intro APR. Length of your introductory period will be either 12 billing cycles from account opening for purchases or 6 billing cycles from account opening for purchases depending on our review of your application and credit history.

The best thing about the Chase Freedom Cash Visa Card is you get your rewards in the form of cash and not points. I personally have the Chase Freedom Cash Visa Card and I highly recommend using it for everyday purchases.

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Make $135 with Bank of America

October 5, 2009 · Filed Under Bank deals & offers · Comment 

The $100 Bank of America bonus is still available til 12/31/09 with offer code AOU260909. The basic requirements include only to new customers who open a qualifying personal checking account with a minimum balance of $500, the new checking account must be open for at least 30 days, and you must make a minimum of one transaction with the newly assigned check card.

Once you open the account, get another $35 bonus for doing 3 online bill payments with your account. You don’t have to be a new customer to get on this bonus. Just sign into your account and sign up for this promo.

From the website:

This is a special limited time offer available to existing consumer and small business customers who have not made a bill payment with Bank of America Online Banking within the last 6 months. Offer cannot be combined with any other offer and is limited to one incentive per customer.

Customers will get $35 if they use our Online bill payment service to pay three bills from their checking account within 30 days. If instead two bills are paid within 30 days, the incentive is $25.

To get the $35, Small Business customers may instead enroll in Online Business Suite Direct Payments service and make three payments within 30 days. If instead two bills are paid within 30 days , the incentive is $25. Direct Payment Service requires Internet access, and Internet service provider fees may apply. This service is not available in Washington or Idaho. If we determine that you meet all the terms of the offer, we generally pay the incentive within 90 days. We may deposit the incentive directly into the Bank of America checking account you used to register for the promotion or we may mail a check to the address listed in our records for the checking account. We may report to the IRS the value of the incentive we pay to you and you are responsible for any applicable taxes.

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