Credit

Grand Reserve Mastercard – Discontinued


Update 1/25/22: Card has been discontinued and will end on March 9, 2022. That didn’t last long.

Grand Reserve Mastercard is a card designed for wine enthusiasts that has just launched with a 50,000 point bonus.

Card Basics

  • Sign up bonus of 50,000 points after $3,000 in purchases within the first 90 days of account opening
  • $149 annual fee, not waived first year
  • Card earns at the following rates:
    • 5x points at Grand Reserve Partners
    • 3x points at any winery, wine club or wine shop
    • 2x points on all other purchases
  • Complimentary Priority Wine Pass membership
  • Complimentary wine magazine subscription
  • Access to exclusive Grand Reserve member events
  • World Mastercard Benefits

How Much Are Points Worth?

The website states that points can be redeemed for rewards starting at 750 per point, there is a sample catalog here. It doesn’t look like there are any good ways to ‘cash out’ points. But it looks like 50,000 in points could be worth anywhere from $250 to $400. That works out to be 0.5¢-0.8¢ per point.

Our Verdict

Given the fact that this card has a high annual fee and limited benefits I don’t think it’s worth considering for most people. Especially as the sign up bonus can be worth as low as $250.



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Chase IHG Rewards Premier Card: 125k Points + Free Night Certificate


The Offer

Direct link to offer

  • Chase IHG Rewards Premier Club Card is currently offering the following sign up bonus after $3,000 in spend:
    • 125,000 bonus points
    • Free night certificate (up to 40,000 points)

Card Details

  • Annual fee of $89
  • Card earns at the following rates:
    • 25x points per $1 spent on IHG properties (10x from the card + 15x from status and club membership)
    • 2x points per $1 spent on gas stations, grocery stores and restaurants
    • 1x points per $1 spent on all other purchases
  • Free night certificate on card anniversary, this is limited to properties that cost 40,000 or fewer points
  • Automatic Platinum elite status
  • Fourth Reward Night Free on any stay of 4 or more nights
  • 20% discount when purchasing points
  • Global Entry or TSA PreCheck fee credit
  • 10,000 bonus points when you spend $20,000 or more and make one additional purchase each account anniversary year
  • This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. If you have the old IHG card, you’re still eligible to get this bonus/card.
  • Chase 5/24 rule applies to this card

Our Verdict

Previous best bonus was 150k points + $100 statement credit and annual fee waived. Normally we see the public bonus but with a $100 statement credit when doing a dummy booking, that isn’t the case currently (dummy booking showing 100k points + $100 statement credit). This new offer isn’t that good, I’d wait and see what the IHG Premier offers when the new changes come or if the dummy booking offer improves. Because of that we won’t add this to our list of the best credit card bonuses.



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United: One Way From 3,900 Miles Or $39


The Offer

Direct link to offer

  • United is offering one way flights from 3,900 miles or $39

The Fine Print

  • Tickets: Tickets must be purchased at least 14 days prior to departure, but no later than January 25, 2022. Roundtrip purchase is not required.
  • Travel Period: Travel may not begin until February 7 and must be completed by May 18, 2022.
  • Fare Validity: Most fares shown are valid for travel on Monday, Tuesday, Wednesday, Thursday and Saturday. Fares are valid in the Economy (Coach) cabin on United/United Express carriers and certain codeshare operated flights only. Some flights may be operated by the following airlines, doing business as United Express: Air Wisconsin, CommutAir, ExpressJet Airlines, GoJet Airlines, Mesa Air, Republic Airlines, SkyWest Airlines; or may be operated pursuant to a codeshare agreement, such as Silver Airways.
  • Minimum Stay: No minimum stay required.
  • Blackout Dates: No blackout dates
  • Miscellaneous: Fares, fees, rules and offers are subject to change without notice. Seats are capacity-controlled and may not be available on all flights or days. Fares are nonrefundable except during the first 24 hours after purchase. Other restrictions may apply.

Our Verdict

As always make sure to price compare to other airlines to ensure you’re getting a good deal.

Hat tip to Dans Deals



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Chase IHG Changes: New Business Card, Top Off Certificates With Points & More


Chase & IHG have announced that a number of changes will becoming to the Chase IHG card portfolio on March 24, 2022. The changes are as follows:

  • Ability to top off award certificates with points. For example if an award certificate is good for properties up to 40,000 points per night but the property you want to stay at costs 50,000 points you can use the certificate and 10,000 points. Looks like this might just be for the Premier Business & personal & Traveler cards and not the old select card but unconfirmed.
  • New IHG Premier Business card
    • Annual fee of $99
    • Anniversary free night, good on properties up to 40,000 points per night
    • Card earns at the following rates:
      • 10x on IHG purchases
      • 5x on gas stations, dining, social media and search engine advertising and office supply store purchases
      • 3x on all other purchases
    • Automatic IHG silver status, earn Diamond Elite with $40,000 in spend
    • $50 United TravelBank cash each calendar year. Must register card in your United account
    • TSA PreCheck/Global Entry Credit
    • Spending bonus of 10,000 points + $100 statement credit after spending $20,000 within a calendar year. Additional free night after $60,000 in spend
    • Redeem three nights, get one night free
    • All existing IHG business cards will be product changed to this card
  • IHG Rewards Club Premier Credit Card:
    • Annual fee increased from $89 to $99 (annual fee will increase in 2023 for existing cardholders)
    • $50 United TravelBank cash each calendar year. Must register card in your United account
    • Spending bonus of 10,000 points + $100 statement credit after spending $20,000 within a calendar year. Earn Platinum status with $40,000 in spend.
    • Earning rates increased:
      • 5x on travel (previously 1x)
      • 5x on gas & dining (previously 2x)
      • 3x points on all other purchases (previously 1x)
    • All other benefits remain the same
    • Name changed to IHG Rewards Premier Credit Card (removal of Club in the name)
  • IHG Rewards Club Traveler Credit Card
    • Automatic silver status, earn gold status with $20,000 in spend in a calendar year
    • Spending bonus of 10,000 points after spending $10,000 within a calendar year
    • Earning rates increased:
      • 3x points on utilities, internet, cable, phone and select streaming services (previously 1x)
      • 3x points on gas and dining (previously 2x)
      • 2x points on all other purchases (previously 1x)
    • Name changed to IHG Rewards Traveler Credit Card (removal of Club in the name)
  • IHG Select card ($49 annual fee, no longer available to new applicants) will remain the same but you can product change to either of the personal cards above. Not possible to apply for either of the above cards if you hold this card (currently this is possible)

Our Verdict

The main issue with the increased earning rates is that IHG points aren’t that valuable. Let’s take a look at what you’d earn if you spent $20,000 on a category with no spend bonus using the IHG Premier compared to a 2% card:

  • IHG Premier card:
    • 60,000 IHG points from 3x earning bonus
    • 10,000 IHG points from $20,000 spend bonus
    • $100 statement credit from $20,000 spend bonus
  • 2% cash back card: $400

Basically 70,000 IHG points for $300, that works out to be 0.428¢ per point. That’s also a best case scenario and not a great deal in my opinion (it’s even worse when comparing the gas & dining earning rates as lots of other cards earn category bonuses for those purchases).

The introduction of the $50 United TravelBank credit for an increase of $10 in the annual fee is a net benefit for most cardholders. Card is worth keeping for most people due to the annual fee night certificate, especially with the increased flexibility the top off points change makes.

It’s difficult to know if the business card will be worth applying for without knowing what sort of sign up bonus will be offered. It will be an interesting option for those wanting to stay under the 5/24 rule though.

 



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Marriott: Earn 1,000 Bonus Points + 1 Elite Night Credit Per Night


The Offer

Direct link to offer

  • Marriott is offering 1,000 bonus points and bonus 1 elite night credit per night you stay between February 8 through May 4, 2022

The Fine Print

  • Registration of your Marriott Bonvoy® account is required. Marriott Bonvoy members who register for this promotion by April 20, 2022, will earn 1,000 bonus Points per eligible paid night, plus one bonus Elite Night Credit per eligible paid night, during the 85-night promotion earning period.
  • The promotion earning period is for eligible paid nights completed between February 8, 2022, and May 4, 2022, at participating Marriott Bonvoy properties.
  • Only stays made after registration will qualify toward the promotion.
  • Award redemption nights including Cash + Points, free night award certificates or a Points redemption are not eligible for the promotion
  • . Rates available through most third-party online retailers and select travel agency rates do not qualify for this promotion.
  • Stays at Homes & Villas by Marriott International, Marriott Executive Apartments®, and Marriott Vacation Club® owner-occupied weeks are not eligible for bonus Points or bonus Elite Night Credits for this promotion.
  • Only one room per property is counted toward a member’s nights for the promotion.
  • The 1,000 bonus Points per eligible paid night and one bonus Elite Night Credit per eligible paid night will be awarded to the member’s account within 7 business days after checkout and will post with the stay. Elite Night Credits will count only toward the status year in which they are posted.
  • A member who elects to earn Miles is not eligible for this promotion. For a list of current participating Marriott Bonvoy properties, visit www.marriott.com/loyalty/earn/hotels.mi.
  • All Marriott Bonvoy terms and conditions apply. See www.marriott.com/loyalty/terms/default.mi for more information. Visit http://marriottbonvoy.com/everynightcounts or call 888-MARRIOTT (888-627-7468) for complete details.

Our Verdict

Good deal as it triggers from the first night/stay. Might as well enroll even if you don’t currently have any Marriott deals.



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[Targeted] Citi $100 – $1,500 Checking Bonus


Offer at a glance

  • Maximum bonus amount: $1,500
  • Availability: Nationwide
  • Direct deposit required:  None
  • Additional requirements: See below
  • Hard/soft pull: Soft pull
  • ChexSystems: Yes
  • Credit card funding: None
  • Monthly fees: $25-$30, avoidable
  • Early account termination fee: None
  • Household limit: None listed
  • Expiration date: July 17, 2022

The Offer

No direct link to offer, sent out via e-mail. Subject line is ‘<name>, earn up to $1,500 with this exclusive cardmember bonus’

  • Citi is offering some existing customers a checking bonus of up to $1,500. Must deposit the funds within 20 days and maintain balance for 60 days
    • Minimum Balance $2,500: $100 bonus
    • Minimum Balance $5,000: $200 bonus
    • Minimum Balance $15,000: $400 bonus
    • Minimum Balance $50,000: $700 bonus
    • Minimum Balance $200,000: $1,500 bonus

The Fine Print

  • Your Checking Account will be opened in the Basic Account Package. To waive the $12 monthly service fee, make one qualifying direct deposit per statement period and one qualifying bill payment per statement period, or maintain a $1,500 or more combined average monthly balance in eligible linked accounts. Fee also waived for first listed account owners 62 or older or for accounts opened after April 23, 2021 when one account owner is a minor. Fees could reduce account earnings. For all account pricing details, please visit citi.com/compareaccounts.
  • You can earn a $100, $200, $400, $700 or $1,500 Bonus by opening a new Checking Account in the Basic Account Package, funding it with New‑to‑Citibank Funds within 20 days, and maintaining that balance for another 60 days. You must also be a primary Citi cardmember from the time you open your account until you receive the Bonus.
  • So long as you have not owned a Citi checking account in the last 180 days, are at least 18 years old, are a primary Citi cardmember, have received a Communication from Citi inviting you to participate, and furnish or have a valid Form W‑9 or Form W‑8BEN on file with Citibank and are not subject to backup withholding, you can participate in the Tiered Bonus Checking Offer in select markets. Customers who open via phone or apply online with a residential/home (not mailing) address in an Eligible Location can qualify. “Eligible Locations” include AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, Northern Mariana Islands, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois.

     

  • Certain “Checking Accounts” are eligible for the Tiered Bonus Checking Offer. Your new Checking Account must be a Regular Checking Account in the Basic Banking Package from the time you open your account until you receive your Bonus.
  • Checking Accounts that are living trust accounts and custodial accounts are eligible, but fiduciary, estate, business, retirement (IRAs, SEPs, CESAs, money purchase pension plans and profit sharing plans), and other trust accounts will not qualify for this offer.
  • International Personal Bank customers are not eligible for this offer.
  • Here are the steps to qualify:
    • First, open a new Checking Account in the Basic Account Package between January‌ ‌20,‌ ‌2022 and July‌ ‌17,‌ ‌2022 (“Offer Period”).
    • Second, so long as July‌ ‌17,‌ ‌2022 has not passed, enroll in the Tiered Bonus Checking Offer on the same day you open your new Checking Account pursuant to the instructions provided. You can enroll online by clicking “enroll now” and following the instructions for online account opening or by contacting a Citibank representative by phone and asking the representative to enroll you in the Tiered Bonus Checking Offer. However, if you open your account on citi.com by any other means than those described, you will not be eligible to earn the Bonus Checking Offer.
    • Third, on the 20th Day after you open your account, we will check your “On Deposit” balance in New‑to‑Citibank Funds which will determine the Bonus you can try to earn (“Balance”). Your Balance must be held in your eligible Checking Account. As long as you maintain at least a $2,500 Balance every day for 60 calendar days after your 20th Day (“Maintenance Period”) you will remain eligible for a Bonus, but please understand if your Balance falls into a lower Balance Tier for even one day during the Maintenance Period, your Bonus will change (see Chart).
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Citi Basic Account Package $12 ($200 Bonus)

The fee is waived on this account if you do any of the following:

  • Make one qualifying direct deposit per statement period and one qualifying bill payment per statement period or
  • Maintain a $1,500+ combined average monthly balance in eligible linked accounts
  • Fee also waived when first listed account owner is 62 or older.

Citi Account Package $25 ($400 Bonus)

  • The Citibank Account Package needs $10,000 in combined average monthly balances to remain fee free. Otherwise, there is a $25 monthly fee.

Citi Priority Account Package ($700 Bonus)

  • Fee increases to $30 and requires $50,000 in combined average monthly balances to remain fee free for the $600 bonus

Citigold Account Package ($1,500 bonus)

This account does not have any monthly fees, but if you don’t maintain $200,000 in balances your account will convert to a Citi Priority Account package

Early Account Termination Fee

In the past, Citi has not charged any ETF, and none is mentioned for this offer.

Our Verdict

This is better than the public bonus for all the tiers apart from the $1,500 tier. We would add this to our list of the best checking bonuses but it’s obviously not publicly available.

Useful posts regarding bank bonuses:



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TD Ameritrade – Up To $1,000 Brokerage Bonus (NC1000)


The Offer

Direct link to offer

  • Get a bonus of up to $1,000 open a new TD Ameritrade account. Bonuses are tiered as follows:
    • $1,000 bonus when you open a new account with $500,000+
    • $500 bonus when you open a new account with $100,000+
    • $300 bonus when you open a new account with $50,000
    • $100 bonus when you open a new account with $25,000

The Fine Print

  • Offer valid for one new Individual, Joint or IRA TD Ameritrade account opened by 03/31/2022 and funded within 45 calendar days of account opening with $25,000 or more.
  • To receive $100 bonus, account must be funded with $25,000-$49,999. To receive $300 bonus, account must be funded with $50,000-$99,999. To receive $500 bonus, account must be funded with $100,000-$499,999. To receive $1,000 bonus, account must be funded with $500,000 or more.
  • Offer is not valid on tax-exempt trusts, 401k accounts, Keogh plans, Profit Sharing Plan, or Money Purchase Plan. Offer is not transferable and not valid with internal transfers, accounts managed by TD Ameritrade Investment Management, LLC, TD Ameritrade Institutional accounts, current TD Ameritrade accounts or with other offers.
  • Limit one offer per client.
  • Account value of the qualifying account must remain equal to, or greater than, the value after the net deposit was made (minus any losses due to trading or market volatility or margin debit balances) for 12 months, or TD Ameritrade may charge the account for the cost of the offer at its sole discretion. (Offer Code: NC1000)

Our Verdict

Looks like the previous offer of up to $2,500 has expired, and this $1,000 deal is the new offer going forward. The tiers with the new offer are overall much better than the previous offer was. Those looking to deposit $1M+ might be disappointed in the new offer due to lack of the highest tiers.

While this offer is called a ‘referral offer’, far as I can tell you just need to use the landing page which prepopulates the promo code (NC1000) to get this offer. Remember, you need to retain the balance for at least 12 months (minus any losses/gains).

Check out our list of Best Brokerage Bonuses to compare this against other offers; this new TD offer matches the Schwab signup offer exactly. These bonuses are pretty nice at the lower $300 and $500 tiers as well with just $50k/$100k deposits required.

Hat tip to reader BG



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[CO only] ENT Credit Union $200 Checking Bonus, Direct Deposit Not Required


Update 1/22/22: Deal is back and valid until December 31, 2022. Hat tip to JurianTheDurian

Update 4/25/21: Deal is back and valid until December 31, 2021. Hat tip to reader Mr Woodchuk

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: CO only
  • Direct deposit required: No
  • Additional requirements: See below
  • Hard/soft pull: Soft pull
  • ChexSystems: Yes
  • Credit card funding: Can fund up to $500 with a credit card
  • Monthly fees: None
  • Early account termination fee: $10, 90 days
  • Household limit: None listed
  • Expiration date: September 30, 2020 October 31, 2020 November 30, 2020 December 31, 2020 December 31, 2021

The Offer

Direct link to offer

  • ENT Credit Union is offering a bonus of $200 when you open a new checking account and complete the following requirements:
    • Use promo code CH200B
    • Deposit $100
    • Activate your debit card

 

The Fine Print

  • The new member joining the credit union must be the primary owner of a new Ent Checking Account and must not have an existing account relationship with Ent.
  • Offer ends September 30, 2020.
  • The primary owner is the owner whose Social Security number is on the account and is used for tax reporting purposes.
  • Ent employees, officials and members of their immediate families are not eligible.
  • New primary member owner must be 18 or older, meet membership and account qualifications, hold $5 in a savings account, make a minimum deposit of $100 into their new checking account and activate their debit card within 30 days of account opening.
  • Please allow two (2) business days after the completion of requirements to receive a deposit of $200 into the new Ent Savings Account.
  • Account must be in good standing to receive the reward.
  • The $200 reward will be tax reportable.
  • Rewards are limited to one unique primary owner per new account.
  • Accounts closed within 90 days of account opening will be charged a $10 early closure fee.
  • Offer may be withdrawn at any time and is subject to change at Ent’s sole discretion.
  • Cannot be combined with any other offer.
    Fees apply for additional services.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

The free checking account has no monthly fees to worry about.

Early Account Termination Fee

If the account is closed within 90 days a $10 closure fee will be charged.

Our Verdict

ENT has offered a $500 bonus in the past, but that was in branch only and $200 of that was really a savings bonus. This $200 bonus is significantly less, but it’s also much easier to meet the requirements for. Given how easy the requirements are to meet, we will add this to our best bank bonus page.

Hat tip to reader John

Useful posts regarding bank bonuses:

Post history:

  • Update 12/06/20: Deal is back and valid until December 31, 2020.
  • Update 11/03/20: Deal is back and valid until November 30, 2020.
  • Update 10/25/20: Deal is back and valid until October 31, 2020.



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Radisson Rewards (Americas): Stay 3 Times & Get 30,000 Bonus Points


The Offer

Direct link to offer

  • Radisson Rewards (Americas version of the loyalty program) is offering 30,000 bonus points when you complete three stays. Deal can be done a total of three times for a maximum of 90,000 bonus points. Stays must be completed within January 19–April 30, 2022

Our Verdict

It’s annoying that the loyalty programs have been broken up like this. Deal itself is pretty good if you have those stays planned anyway but not really worth moving stays for.



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Capital One Spark Plus $3,000 Signup Bonus With $50,000 Spend


The Offer

Direct Link to offer | Press Release

  • Capital One is offering a $3,000 signup bonus on their business Spark Cash Plus card. Broken down as follows:
    • $500 bonus after spending $5,000 within the first 3 months
    • Additional $2,500 bonus after spending $50,000 within the first 6 months (an additional $45,000 in spend)

Card Details

  • $150 annual fee not waived
  • Card earns 2% cash back on all purchases
  • Earn an annual $200 cash bonus every year you spend $200,000 or more

Our Verdict

The Spark Cash Plus card launched last year; it’s similar to the Spark Cash business card, but has a non-waived $150 annual fee. The regular Spark Cash card has had a $2,000 bonus with $50,000 spend in the past; this Spark Cash Plus $3,000 offer has the same $50,000 spend requirement.

Overall the signup bonus will get you a 6% bonus with $50,000 spend, plus the 2% regular cashback for a total 8% return on spend. (Deducting $150 for the annual fee would bring it down to 7.70%.) I’m thinking of giving this a shot and seeing if I can get an approval from Capital One. The spending is a challenge, but maybe with tax payments and the like I can come up with a way.

Capital One pulls all 3 credit bureaus; they also report business cards to the personal bureaus; see these Things to Know About Capital One Credit Cards before applying. We’ll add this to our List of Best Credit Card Signup Bonuses. 



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