How to Earn Cash Back Buying Groceries with Checkout51.com

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How to Earn Cash Back Buying Groceries with Checkout51.com

Sign up for Checkout51.com.

You may be asking yourself, what the heck is Checkout51?  Is it a dating site for people over 50?  Is it a reference to Area 51 in the Nevada desert?  Wrong and wrong!

Checkout51 is the digital alternative to clipping coupons and bringing them to your local grocery store.  I was told about this company by a friend at work (she knows how big a cash-back-aholic I am) and after I signed up, I knew this was a pretty cool idea.

This service is perfect for people who are:

  • Too lazy to cut out coupons.
  • Forget to bring their coupons.
  • Too embarrassed to use coupons.
  • All of the above.

To read the entire post, please click here.  Have a great night everyone!

Keep Track of Bluebird/Serve Transactions

BB to Bills

How to Keep Track of Bluebird/Serve Transactions

Download link for Bluebird-Serve-Transactions.xlsx

If you are juggling more than 1 Bluebird or Serve Card, it can be difficult to keep track of all your recent loads, bill payments, transfers, deposits, withdrawals, etc.  If you need a little help keeping it all straight, download the Excel file above.

I have it set up for 3 Bluebird/Serve Cards, but you can add or remove columns if you wish.  I enter my Bluebird or Serve user name and password for each card along with the actual card number.

3 BB Accounts

Read the entire post here.

Retention Bonus Results for a Chase Ink Bold MasterCard and an SPG American Express Credit Card

Big SPG Card

Retention Bonus Results for a Chase Ink Bold MasterCard and an SPG American Express Credit Card

Good evening, here are my results from my recent two card retention bonus challenge (read part 1 here).  If you want to listen to both reconsideration calls (14 minutes long), please click the play button below.

I was successful at getting a $95 statement credit for my Chase Ink Bold MasterCard (I charged over $33,000+ over the last 12 months).  I was unsuccessful getting a retention bonus on my SPG American Express Credit card and was told “American Express does not waive annual fees for any of their credit cards.”  I haven’t used my SPG card much the last few months since SPG made changes to their award program.  Shortly after closing my SPG American Express Credit Card, I received a confirmation email about the cancellation.

SPG AMEX Closed Email

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State of the Union: Bluebird and Serve as of April 22, 2014

AMEX Serve Logo

State of the Union: Bluebird and Serve as of April 22, 2014

In case you missed today’s breaking news, you can now load your Serve Card at Walmart with gift cards (with PINs), just like you can with a Bluebird Card.  You can load either card at the Money Center (Customer Returns Center), at a cashier, or at a Money Center ATM (I haven’t tested this yet, but it should work.  If not, see previous two suggestions).To summarize everything, here are all the facts you need to know as of today, April 22, 2014:

Bluebird Card loading:

  • $5,000 calendar month reload limit in-store (Walmart), $1,000 per day reload limit
  • $1,000 online debit card calendar month reload limit, $100 per day reload limit
  • No credit card loading in-store or online

Serve Card loading:

  • $5,000 calendar month reload limit in-store (Walmart), $1,000 per day reload limit
  • $1,000 online debit card calendar month reload limit, $200 per day reload limit
  • $1,000 online credit card calendar month reload limit, $200 per day reload limit

Questions about loading at Walmart:

  • Daily loads are at least $1,000, has anyone had success loading more than that on the same day?
  • Can you load at Walmart with a credit card?
  • What is the monthly reload limit?  Is it $5,000?  Is it more/less than $5,000?
  • Gift card reloads are showing up as “Cash Reload Incomm Default Merchant” – the same company behind Vanilla Reload Cards

Walmart Load Serve Home Screen

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Planning for Retention Bonuses for a Chase Ink Bold MasterCard and an SPG American Express Credit Card

Update 7AM:  I just called Chase and got a $95 statement credit on my Chase Ink Bold MasterCard and I moved my credit line from my SPG American Express Credit Card to my Blue Cash Preferred Credit Card.  See tonight’s post for more information.
Ink Cards

Planning for Retention Bonuses for a Chase Ink Bold MasterCard and an SPG American Express Credit Card

There comes a time in every credit card’s life when you have to make a very important decision – do you pay the annual fee and keep the credit card another year or do you cancel the credit card to avoid paying the annual fee?  Like most things in life, there is a secret third option, which I like to call Door 3, aka the Retention Bonus.  Behind Door 3, you get the best of both worlds – keep the credit card for another year and avoid paying the annual fee.

I’ve had pretty good success in the past regarding the Chase Ink Bold MasterCard (5,000 Chase Ultimate Rewards Points or $47.50 statement credit) and the Chase United MileagePlus Credit Card (2 more United Club Passes and 10,000 United miles).  Ideally you want to call 10, 11, or 12 months from the day you were approved for the credit card, right before the annual fee posts to your account.

The term retention bonus means waiving the annual fee, providing a statement credit that offsets the annual fee, or bonus miles/points that offset the annual fee.  Some credit card companies will make you spend a certain amount of money every month to get the retention bonus.  To ensure the highest possibility of a retention bonus, here are my tips:

  1. Make sure your credit card is paid off and has a $0 balance.
  2. Make sure all transferable points have been spent/redeemed/transferred already.
  3. Have 1 or 2 good reasons why you want to cancel the credit card.

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