How to get out of your T-Mobile contract

June 30, 2008 · Filed Under Street Smarts · 1 Comment 

Those of you looking for a reason to get out of a T-Mobile contract, now is the time to do it for free without paying the early termination fee. T-Mobile will be raising their text messaging rates to $0.20 per message starting August 29, 2008. It’s your right to cancel your contract without paying ETF at anytime whenever they make a change in your contract. Give T-mobile a call to cancel and tell the CSR “T-mobile is raising its text message rates August 29th to 20 cents per message. This counts as what is known as a materially adverse change of contract. Under standard contract law” and add “I can not accept those charges so please cancel may account without EFT as this is clearly an MATERIALLY ADVERSE CHANGE OF MY CONTRACT.” If they give you more trouble, read the following from their contract:

5. Our Rights to Make Changes. Your Service is subject to our business policies, practices, and procedures, which we can change without notice. UNLESS EXPRESSLY PROHIBITED BY LAW, WE CAN CHANGE PRICES, CHARGES AND ANY TERMS IN THE AGREEMENT AT ANY TIME. IF WE MATERIALLY MODIFY THESE T&Cs IN A WAY THAT IS MATERIALLY ADVERSE TO YOU, OR IF A CHANGE INCREASES YOUR SET MONTHLY RECURRING CHARGE(S) (the set amount – which does not include overage, features, optional services, taxes and fees – you agreed to pay each month for at least a one-year Term), WE WILL PROVIDE YOU WITH AT LEAST 30 DAYS NOTICE AND YOU MAY TERMINATE YOUR SERVICE WITHOUT AN EARLY TERMINATION FEE (WHICH IS YOUR ONLY REMEDY) BY NOTIFYING US WITHIN 30 DAYS AFTER YOU RECEIVE THE NOTICE. IF YOU FAIL TO TERMINATE WITHIN THOSE 30 DAYS, YOU ACCEPT THE CHANGES.

It doesn’t matter if you have limited or unlimited texting plan, you should be able to cancel. Keep calling until you find a CSR willing to do it for you. Even if you don’t want to cancel your plan, call them up to cancel so they will offer you freebies such as unlimited text, free internet, and 1 month of free services.

Here are some FAQs from Slickdeals:

1) As of now, with T-mobile, messaging charges are MANDATORY (ie: text, picture, video, IM). A customer can choose NOT to send any text messages, picture messages, video messages, or instant messages, but currently CANNOT choose who can or cannot send messages to him/her. Since T-mobile charges for all INCOMING and outgoing messages, and currently has no effective way of disabling (or not charging) customers for inherent network messaging features, customers are charged regardless if the messages were solicited or not.

However, T-mobile DOES have a legitimate argument that this messaging increase does NOT affect customers with the Unlimited Messaging Add-On (since no measurable effects will be felt by the customer on their future bills). Therefore using “increasing messaging charges” as an excuse to waive the ETF on accounts with an Unlimited Messaging Add-On is a BIG YMMV!

Also, when T-mobile does implement controls that allow customers to block unwanted messages (which according to rumor should be in the near future), using “increasing messaging charges” as an excuse to waive the ETF on ANY T-mobile account (regardless of messaging add-on) will be INVALID. This is because messaging charges will NOT BE MANDATORY anymore, since there would be a user-controlled way to opt-out of the network’s messaging feature.

2) Customers using this “increasing messaging charges” excuse WILL NOT BE ABLE TO STAY MONTH-TO-MONTH! Your options are: A) cancel your line and lose your number, or B) port your number to a different carrier.

3) If you are using this excuse to leave T-mobile for another carrier or because you don’t need the number/line anymore, this is a pretty good opportunity to do that. Better do it this time, as in the future “increasing messaging charges” may not be a valid excuse anymore (see #1).

4) If you are using this excuse to get a new phone at “new customer” prices either for personal use or profit AND you want to stay with T-mobile, then this may NOT work for everyone due to the following reasons: A) T-mobile will NOT let you stay month-to-month after using this excuse (either port out or cancel line), B) T-mobile will only consider you a “new customer” if you DIDN’T have T-mobile for the previous 90-days or more, and C) the LONGEST “trial period” any carrier gives in the United States is 30-days (correct me if I’m wrong).

Therefore, if you are using this excuse to get a new phone, this would only work IF you could: A) cancel your line and sign up using SOMEONE ELSE’S NAME (ie: new family plan in spouse’s or relative’s name), or B) if you could survive on a PREPAID phone for 90-days (but if you don’t use their phone that much in the first place, then you probably should be on a prepaid plan to begin with to save money), or C) if you switched to another carrier offering NO-CONTRACT options for 90-days or more (only a couple carriers offer no-contract options upon sign-up). For options B & C, after 90-days, you can sign back up with T-mobile as a “new customer”.

5) Usually T-mobile will have you wait until the official announcement is out and printed inserts/statements are included with the paper/electronic bills BEFORE cancelling/porting your line without ETF. However, it MAY also depend on which operator you get and how nice you are to them. If you can’t wait for the official announcement, you can try getting out of your contract ETF-free sooner, but YMMV.

6) And usually once T-Mobile makes up its mind to change the contract (ie: increassing messaging rates), they usually start notifying any new customers signing up about the change and effective date. Therefore, for anyone thinking about signing up with T-Mobile right now for a free/cheap phone and then cancelling their contract ETF-free using this excuse, I would say chances are extremely slim-to-none…

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The Drugstore Game

June 26, 2008 · Filed Under Street Smarts · Comment 

Here’s a $5 off $20 coupon at Walgreen’s to play the Drugstore game.

Those of you sitting at home thinking, “How do I cut back more than I already have in order to lower my debt and increase my wealth?” Look no further than “The Drugstore Game.” This is whereas you sign into their membership program from CVS or Walgreen’s, use their in-store coupon, double dip with manufacturer coupons, sales items, and bonus rewards to make everyday items practically free or extremely cheap.

For example, starting Friday, use this $5 off $20 coupon at Walgreen’s to play this game. I really don’t play this game because I only shop for myself. For those with a big family, then you can stocked on necessities like toothbrush, soap, paper towels, groceries, and many more.

Here’s one scenario:

Airwick Freshmatic $5.99 (on sale this week) *4
$23-96
-$5 off $20
$18.95
-$4 coupon *4
$2.95

Submit for the July Easysaver rebate and get $12 back.

Take a look at this Walgreen’s catalog for some examples:

Double Dipping Scenario (June27/28)

RED- Manufacturer’s Coupon
BLUE- Walgreens IVC Coupon

Price of individual items are based on current findings, It might change that time.

M&M’s Bag Candy
$1/2 M&M’s bag candy 11-14oz (June IVC)
$1/2 M&M’s bag candy 11-14oz (July IVC)
-$1.50/2 M&Ms dark chocolate 12.6oz+ exp 08/22/08 RP 06/01/08

Benefiber items, from $4.99 -11.99
$3 Benefiber Caplets 60-114 pack, Chewables 90 or 100 Pack, or Powder 48-125 dose.(June IVC)
$2 Benefiber Caplets or tablets 60-114 pack,Powder 38-125 dose (July IVC)
Benefiber Caplet, any $2 (7-31-08) 4/13SS
Benefiber Product, any $2 (7-31-08) 4/13SS
Benefiber Caplet, any $2 (8-31-08) SS #2 5/18/08
Benefiber Chewable, any $2 (7-31-08) SS 4/13/08
Benefiber Chewable, any $2 (8-31-08) SS #2 5/18/08
Benefiber Product, any $2 (8-31-08) SS #2 5/18/08

Maalox Quick Dissolve Tablets, liquid, 12oz liquid is $5.29
$2 Maalox Quick Dissolve Tablets 35-90 pack, Junior Plus 24 pack, or Liquid 12oz () (June IVC)
$2 Maalox Liquid 12oz , Chewtabs 35 to 90 pack, or Jr. chewtabs 24 pack
Maalox Liquid, any $1.50 (8-31-08) 5/4SS
-$2 Maalox liquid .exp 09/30/08 SS 06/01/08

Mederma Cream or Gel
$3 Mederma Cream or Gel, 1.76 oz (June)
$2 Mederma Cream or Gel, 20 gr. tube (July)
Added 3 printables for Mederma in PDF exp 6-30-08 here.

Raid Ant & Roach Spray, 2 pack, 17/5 oz ea @ $4.49
$1 Raid Ant & Roach Spray, 2 pack 17.5oz each (June IVC)
$1 Raid Ant & Roach Spray, 2 pack 17.5oz each (July IVC)
Raid Ant & Roach Killer, any $1 (7-12-08) SS 6/15/08

OFF Personal or Outdoor Insect Repellent @ $4.49
$1 Off Personal or Outdoor Insect Repellent (June IVC)
$1 Off Personal or Outdoor Insect Repellent (July IVC)
Off Power Pad, BOGO, Printable
There is also a $2 off coupon in the box that can be used on the other powerpad (the non free one) **I did this twice and got 4 so I know it works** FEVER2006
2$ off power pad printable–bitachu

Cutter Personal Or Outdoor Insect Repellent, 6 oz or larger@ $5.49
$1 Cutter Personal or Outdoor Insect Repellent 6 oz or Larger (June IVC)
$1 Cutter Personal or Outdoor Insect Repellent (July IVC)
Cutter Product, any except twin and value pack $1 (9-30-08) SS 6/15/08

Energizer EA Change Hearting Aid Batteries, 8 pack, 10, 13 or 312 @ $8.99
$2 Energizer EZ Hearing Aid Batteries 8 Pack, No. 10, 13, or 312 (June IVC)
$2 Energizer EZ Hearing Aid Batteries 8 Pack, No. 10, 13, or 312 (July IVC)
Energizer Batteries, any $1 (6-30-08) 5/4SS

Lamisil Antifungal creams $9.99-15.99
Save $5 on lamisil antifungal 0.42 - 1 oz (June)
$3 Lamisil AT Cream for Women .84 oz or for Men 1oz (July)
Lamisil Gel, any B1G1F up to $21.99 (7-31-08) SS 4/13/08
Lamisilk Product, any B1G1F up to $10.99 (7-31-08) SS 4/13/08

Pediasure Nutripals
Save $1.50 PediaSure Nutripals Bars, 6 pakc or Nutrition Drink 4 pack, 8oz each (June)
Save $2 on pediasure nutripals 4 pack 8 oz bottles or par 6 pack 1.4 oz (July)
PediaSure NutriPals Product, any $1 (6-30-08) SS 4/13/08

Wexford 16″ Pedestal Fan $29.99
$10 rebate (June)
$10 rebate (July)

The real Hustle

To be the real expert with the Drugstore Game, then you must know the basics:

  1. Know you can combine store coupons and manufacturer coupons. Find manufacturer coupons from Sunday papers, online coupon sites, and deals sites. A lot of the time, there is a $2 off store coupon with $1 manufacturer coupon, in order to get $3 off for the item.
  2. Learn the store rewards programs. We all know that CVS has ExtraCareBucks (ECBs) program. The ECBs coupons are printed at the end of each purchase. Then the coupons can be used for future purchases and are treated just like cash. Walgreen’s program is called Register Rewards, along with the monthly Easy Saver rebate program. Finally, Riteaid has the Single Check Rebate program.
  3. Combine store coupons, manufacturer coupons, and rewards program to maximize your savings. I’m no expert, but this game takes skills. I see pictures from people stocking everyday supplies for years.

For further details, read this slickdeals thread.

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Priceline Name Your Own Price

June 24, 2008 · Filed Under Street Smarts · Comment 

I’m going back home to visit my folks for the July 4th weekend and I need a flight ticket quick. As always, I do the normal search from traveling sites such as expedia, orbitz, travelocity, etc. Once I know the lowest price, the trick to get 40% off is to check out Priceline Name Your Own Price.

The process is very simple and quick. You simply put in the price you want to pay for and the Airlines will compete for your business. For example, my flight ticket costs about $500. I put in $300 at Priceline Name Your Own Price. Speaking from personal experience, it works every time. You need to understand that once they agreed to your price, the ticket is non-refundable and they will charge your credit card right away. This also work for hotels and car rental too.

Here’s the fine print:

• Your airline tickets are non-refundable, non-transferable and non-changeable.
• Your tickets will be round-trip, coach class tickets issued on one of Priceline’s partner airlines. You must fly on the flights assigned to you. Upgrades and standbys are not available. If you do not take your outbound flight, the airlines will automatically cancel the remainder of your reservation. If any part of the ticket is unused it has no value after ticketed departure time.
• Name Your Own Price tickets issued through Priceline are not eligible for frequent flyer miles. Priceline customers are protected by the same airline regulations extended to all passengers, including protection against overbookings and baggage loss.
• If we find an airline that accepts your price, we’ll immediately purchase your tickets using the payment information you provided.
• Remember to bring a valid government-issued photo ID with you to check-in.

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24 HR Gym Membership Hustle

June 9, 2008 · Filed Under Street Smarts · 2 Comments 

As important as making money is living a healthy life I believe. Lets be real, you can’t enjoy life if you are overweight with health problems no matter how rich you are. I’ll be the first to admit on making judgement with overweight people. First impression is everything, and I’m in that 99% crowd who think “damn, you are fat and lazy! Get yo azz on a treadmill.” I know I’m being mean and I’m sorry if that offended you, but seriously, YOU CAN DO SOMETHING ABOUT IT. Whether you are a mom, son, dad, in your 20s, 40s, or 60s, it’s never too late. If you care enough about your loved ones and seeing them through life doing physical activities, then check out this 7 free day pass to 24 HR fitness.

Once you get your 7 days free pass, visit your local 24 hr fitness gym and see what they can offer. I’ve been a member for almost 3 years and highly recommend it. When you showed up, they will give you a tour. Ask to speak to a Sales Manager because they can give you a better deal. Don’t agree to any deal yet. Let them talk through everything. Don’t be too anxious on signing. Answer everything with “it’s allright.” The best deal is signing up for 3 years if you know you are in it for the long haul, otherwise get the month to month. Most likely, they will offer you something like 3 years for $800 with $149 renewal each year for life. You can get much better than that. I’ve heard as low as $499 for 3 years with $29 renewal each year for life. Tell them how you got a friend “Michael Smith” and he got that deal and you want the deal same as his. If they won’t give it to you, see how what the best they can offer. I would say 99%, it would be like 3 years for $599 and $49 renewal each year afterwards. That would be good enough to sign up. If not, come back another day since you got a 7 days free pass and talk to another salesperson.

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Pentagon Federal Credit Union 4.25% Auto Loan and 4.99% Home Loan

May 8, 2008 · Filed Under Bank deals & offers, Street Smarts · 1 Comment 

Pentagon Federal Credit Union, or Penfed, is the third largest credit union in the country. With over $9 billion in assets and 714000 members, they offer some of the best Home Equity Loan, Home Equity Line of Credit, and Car Loan rate in the country. The best part is anyone can join!

If you are affiliate in any way with the military, then check this application page. However, people who has no affiliation with the military can become eligible by joining the NMFA association. Joining NMFA will cost you a one time fee of $20. There is no need to renew membership.

Start at your online application page, then join the NMFA and Penfed, and fund your account with $5 via credit card. You will select a PIN number, and then receive a membership number. You will receive all your membership info in three days to your address.

What is so special about PenFed? To start, they are offering 4.25% auto loans on all new and used vehicles. The loan terms can be as long as 72 months for new vehicle. If you are paying anything more than 4.25%, you should join Penfed right away and take advantage of the low rate. This can save you hundreds, if not thousands of dollars.

They are also offering 4.99% APR on Home Equity loans and Home Equity Line of Credit. There are no closing costs and the rate is fixed up to 120 months. If you have high credit card debts, then getting a HEL or HELOC might be the best way to go to save you money. This is not an excuse to spend more than you can afford. Go with my philosophy- Offense on making side income, Defense on everyday expenses.

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Hustler Methods on Stimulus Tax Rebate Check

May 2, 2008 · Filed Under Street Smarts · 4 Comments 

I’m sure you heard by now that many stores and supermarkets are giving 10% bonus on your stimulus tax rebate check. They include RadioShack, Kmart, Lands’ End, Sears, Albertson’s, and many more. Since many people like myself will get the rebate check via direct deposit, we might be out of luck. No worry, I will show you the hustler’s angle on getting a better deal.

If you have a Krogers Supermarket, this is your best deal with their press release:

Customers who do not have a hard copy of their government-issued checks may still take advantage of this offer with cash, a credit card or by presenting a valid personal check to the Customer Service center. Kroger Gift cards do not expire. Bonus amounts cannot be used toward the purchase of alcohol, lottery tickets, pharmaceuticals or tobacco products.

You simply can get the 10% bonus by buying with a credit card. Lets say you use your AmEx Blue Cash or Chase Freedom to buy $1200 in Krogers gift card, you will make $120 bonus + up to 5% cash back of the $1200 since they are great cash back credit cards for supermarkets.

You may be thinking “great, what the hell I’m gonna do with $1320 in Krogers gift card?!!.” Well, you can use your Krogers gift cards to buy other gift cards. Inside Krogers supermarkets, there should be a rack selling gift cards to many stores such as Best Buy, Circuit City, Restaurants, Home Depot, etc etc. They even have AmEx, Visa, and Mastercard gift cards although they have activation fees. I believe this code GIFT2008 will waived the $3.95 activation fees for American Express. YMMV.

Here’s my thinking.

  1. We all need gas so use the gift cards for gas station at Krogers. This will save me 10% + cash back from buying the gift cards earlier using a credit card.
  2. Use the Krogers gift cards to buy Best Buy gift cards inside their supermarkets. Use it in conjunction with a 10% Best Buy coupon, and you will save over 20% at Best Buy. Likewise with Home Depot or Circuit City.

I know it’s a little hard to follow, but hey, desperate times call for desperate measures. Hustling ain’t easy!

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10 Quick Hustles to Save Money

April 27, 2008 · Filed Under Street Smarts · 1 Comment 

With talk of recession and all, money can get really tight. Here are my top ten hustles to save you money.

  1. Change your Witholding Tax - The taxes out of your paycheck each month, so yeah..in essence, you are giving the government a interest free-loan. Talk to your employer about reducing the amount of tax withheld off your paychecks.
  2. Consolidate Student Loans - Get all your student loans in order and start calling lenders to see which ones give you the best rate for consolidation. This will simplify your finance and set you on a debt free road. Check out this post for more info in the best lenders.
  3. Reduce Interest Rate - Pick up the dang phone and call them credit card issuers. Tell them you want to talk to a Retention specialist because you plan to Balance transfer off with another card if they don’t lower their interest rate. They do not want to lose your business, hence they will likely to lower your rate. Read the play by play here.
  4. Lower Cable bills - Either cancel all your entertainment needs immediately or call them to get a lower price. Most will give you $19.99 or $29.99 per month for 12 months on your internet bills. More info here with strategy here.
  5. Refinance Car Loan - If you are paying anything above 6% interest on your car notes, then you are paying too much. Refinancing will save you hundreds if not thousands. Join Penfed and see if you can get their 4.25% interest rate on car loans. Anyone can join Penfed by paying a one time $20 fee to the National Military Family Association.
  6. Get Rid of PMI - Do whatever it takes to pay off your home by 20% so you won’t have to pay the PMI on your mortgage. I would even borrow from family if needed. PMI is a waste of money since it’s an insurance on your home loans.
  7. Lower Cell Phone Bills - Use my methods by joining Sprint to get the cheapest phone plan. We regular pay around $50 a month for 5 phones with over 2000 minutes, free 6pm and weekends, free text, free internet, etc.
  8. Lower Utilities - start replacing the old light bulbs with CFL light bulbs, wash your air filters from your heater, Install a thermostat that adjusts automatically at night, seal your windows, etc.
  9. Home and Auto Insurance - Ask your friends and family what they are paying for their home and auto insurance. If yours is more, then you need to do some homework and call around to find a lower rate. Don’t worry if you are still in the middle of the year. You are not under any contract and can opt out anytime. They will reimburse for whatever months that is left. Amica seems to be the best deal with car insurance. Home insurance depends on where you live.
  10. Use Coupons - times are tough, so swallow your pride by starting using coupons where ever you shop, eat, etc. You can find many coupons here.

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Apply for Food Stamps

April 23, 2008 · Filed Under Street Smarts · 5 Comments 

Y’all ready for the next hustle? My plan is to apply for food stamps. True dat! What’s better than free food? I kid I kid. But seriously, with over 28 million Americans getting food stamps, you know some of those people don’t need them. I’m pissed off whenever I think they could be working and supporting themselves. I can understand for people who do qualify for getting food stamps. E.G. Single mothers trying to raise a couple of kids and making ends meet. Here’s how you can apply for food stamps.

Food Stamp Program

  1. Check to see if you qualify.
  2. If you qualify, find your local food stamp office to apply.
  3. You can also apply online or pick up an application at your local office.
  4. You could be getting $150 per person in your household.
  5. Set up an appointment for an interview. Bring driver license, pay stubs, utility bills, etc.
  6. more FAQ

Once you are approved for food stamp benefits, they will send you a Electronic Benefits Transfer card along with a PIN and instructions for buying food. You can buy pretty much everything except for non-food items, alcohol, tobacco, etc. If you think you qualify, don’t hesitate to apply.

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Free DVD Rental Every Monday

April 7, 2008 · Filed Under Freebies, Street Smarts · 1 Comment 

Do you use Blockbuster or NetFlix online video rental? Sure it’s convenient, but it costs money. Why not make it every Monday to be free DVD rental night for your family at your local RedBox rental machine. What is RedBox?

Redbox are those big red vending machines at many grocery stores or McDonald’s. You can search for location through this RedBox link. Every Monday, like today, you can use a promo code to get your free DVD rental. They usually have over 500 titles to choose from. You get to keep the movie till Tuesday, usually around 9pm. They are counting that you missed the deadline, so make sure you don’t return late.

The codes for today:

ALVIN14 - Free DVD Rental
MCSKLLT308 - Free DVD Rental
NOFOOL - Free DVD Rental
BREAKROOM - Free DVD Rental
DVDONME - Free DVD Rental
GIANT - Free DVD Rental
HYVEE - Free DVD Rental
JM17RS - Free DVD Rental
REDBOX - Free DVD Rental
SHOP - Free DVD Rental
FOF208 - Free DVD Rental
MLKING - Free DVD Rental

You want to visit your local RedBox location and with 2 or 3 codes from above. If the first one doesn’t work, try the next one. You get 1 free DVD rental per credit card. Use another credit card to get another free DVD rental. They normally put a $1 hold on your credit card, but it will be refunded once you return the movie.

Where to get free Codes every Monday?

You can sign up SMS or email messaging through this link . You’ll get a free rental code every Monday. There are many online communities that share codes. These are my favorites:

INSIDE RED BOX

RED BOX CODES

You are wondering, how do they make money? Other than the $1 rental for people who don’t use these codes, they are hoping people will return late. It’s $1 per day. This is a great marketing ploy to get more people to use RedBox. They encourage people to share these codes hoping people will either return late or use it on a different night.

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Free 2 weeks NetFlix Rental


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AT&T /Cingular Wireless 200 Bonus Minutes

March 29, 2008 · Filed Under Street Smarts · 1 Comment 

People with AT&T/Cingular wireless services, you can now get 200 bonus minutes if you have a FAN account. FAN account gives you up to 30% discount on your phone bill. In order to have a FAN account, you must be associated with certain corporations, government agencies and educational institutions. You can check the website to see if you are qualify.

Back to the 200 bonus minutes, you must call Customer Support: 1-800-331-0500 and ask them about the 200 bonus minutes with offer code U200. If the CSR doesn’t know what you are talking about, ask to speak to a supervisor or call back at another time.

Once it has been added, you should seen this in your account under Added Features:

BSD 200 BONUS MINS $0.00

If they don’t give you anything, tell them you get crappy services/problems etc. You can also threaten to cancel and ask to be transferred to “Retention” also known as “Saved Team.” There, you can get more freebies. They could also offer you $25 service credit to stay.

Check this Wiki Post for more codes:

  • BM200
    • 200 Bonus Minutes
    • Business/FAN Account (CARE or Telegance)
  • BM250
    • 250 Bonus Minutes
    • Business/FAN Account (CARE or Telegance)
  • BM350
    • 350 Bonus Minutes
    • Business/FAN Account (CARE or Telegence)
  • CMG5
    • 50 Bonus Minutes
    • CARE Market
  • RD3C
    • 300 bonus minutes
    • Business/FAN Account (CARE or Telegence)
  • ULIM
    • unlimited incoming minutes for $14.99
    • ONLY FL CUSTOMERS (FL is a CARE market)
  • Y100
    • TELEGENCE market: 500 bonus minutes
    • CARE market: 100 bonus minutes
  • Y200
    • 200 Bonus Minutes
    • CARE Market
  • U200
    • 200 Bonus Minutes
    • Telegance Market
  • AIRRM50
    • 50 Bonus Minutes
    • Telegance Market

Citi® Diamond Preferred® Rewards Card gives you 6000 bonus points = $50 gift card

  • 0% APR* on balance transfers for 12 months
  • $50 Gift Card - Earn 6,000 bonus points after first purchase made within first 3 months
  • 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations; 1 point for every $1 on all other purchases
  • No annual fee and FREE rewards program
  • Citi Identity Theft Solutions
  • Price Protection Program
  • $0 Liability on unauthorized purchases

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Citi® Diamond Preferred® Rewards Card

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