Credit

Use Amex Platinum $20 Streaming Credit For Amazon Gift Card Credit (Kindle Gifting) [Dead]


Update 1/11/21: Obviously this no longer works as the streaming credit doesn’t exist for 2021. But: the actual method may no longer be available as Amazon no longer gives you the option to convert it to credit. People were using it for other reasons so just a heads up. (Hat tip to veeRob858) Others are reporting this still works, YMMV.

[Update: This method could work for any card which has a bonus on streaming categories to get the bonus on Amazon purchases too. Should work for any other sort of Streaming promotion as well. Hat tip to reader Kuku who found this works on the Blue Cash Preferred 6% category (link to their blogpost in Chinese). Not sure how scalable this is, but interesting idea nonetheless.]

Dansdeals found a nifty method to easily buy Amazon gift card credit with your $20 streaming on American Express personal Platinum cards. Simply gift someone a Kindle eBook or Kindle Unlimited membership, and they’ll get an option to exchange the membership/ebook for an Amazon gift card credit instead. It will code as Streaming to get reimbursed. (affiliate links below)

  • Kindle eBooks
  • Sample eBook for $20
  • Sample eBook for $.99 (to test the waters)
  • Kindle Unlimited gift membership purchase ($47.86)

The recipient will get an email which allows them to accept the gift membership/eBook or they can get the Amazon gift card equivalent deposited into their Amazon gift card account. (The sales tax gets included as well when the recipient redeems it as an Amazon gift card balance.)

For example, if you and your spouse each has their own Amazon account, your spouse can send you a $20 eBook as a gift and you can cash it out as Amazon credit to your Amazon account. Your spouse will get the $20 credit on their Amex Platinum card and you’ll get the cost of the eBook deposited into your Amazon gift card balance.

Just be careful when you get the eBook or membership gift to choose the option in the email which allows cashing it out as Amazon gift card credit instead. You’ll see that option beneath the ‘Accept Gift’ or ‘Redeem your Kindle Unlimited gift’ button in the email. Other people do not see the gift card redemption option within the email itself, but it shows on the next page after clicking the link in the email to ‘get your kindle book now’ or ‘Redeem your Kindle Unlimited membership’.

A few notes:

  • You need to send the eBook/membership gift FROM an Amazon account which does not have an Amazon gift card balance; if the sending account has a gift card balance, the system forces you to pay with the gift card, and you won’t be able to pay with the Amex Platinum card.
  • When doing the Kindle Membership gifting method, the system can automatically exchange the membership for Amazon gift card credit, and the Amazon gift card credit is applied to the recipients account. On the other hand, when you do the eBook gifting method the system prompts you to ‘request a gift credit from customer service now’. You won’t have to chat with an agent, but it is a manual process, so it takes a few hours until the customer service actually applies the credit.
  • With the eBook gifting method, the system will automatically use your no-rush-shipping credits first. However, those will not credited; they’ll be lost when using the cashout method. So you’ll want to use an account with no digital credits attached.
  • You can do the eBook method even if you only have one Amazon account, provided you have two email addresses, by following the instructions here. Similar thing should work when gifting yourself Kindle Unlimited membership.

I don’t really see how Amex could change anything here since they won’t actually know whether the purchase ended up being an actual Kindle purchase/subscription which is eligible for the streaming credit or it ended up being a gift card. Maybe they could decide to stop allowing Kindle purchases to count? but I don’t see how they could claw these back. In any case, it’s only a temporary credit, so it should be fine.

Hat tip again to Dansdeals





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Alliant Credit Union $100 Ultimate Opportunity Savings Account, No Direct Deposit Required


Offer at a glance

  • Maximum bonus amount: $100
  • Availability: Nationwide, must be new member
  • Direct deposit required: No
  • Additional requirements: Deposit $100 each month
  • Hard/soft pull: Soft
  • ChexSystems: Unknown
  • Credit card funding: None
  • Monthly fees: None with eStatements
  • Early account termination fee: Unknown
  • Household limit: None listed
  • Expiration date: March 31, 2021

The Offer

Direct link to offer

  • Alliant Credit Union is offering a bonus of $100 when new Alliant Credit Union Members open an Ultimate Opportunity Savings Account and complete the following requirements:
    • Deposit at least $100 a month for 12 consecutive months

The Fine Print

  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
  • This promotion is for new Alliant Credit Union members only.
  • New Alliant Credit Union members can earn a $100 bonus deposit by joining Alliant through Suze Orman’s The Ultimate Opportunity Savings Account promotion and meeting the following requirements.
  • Offer valid for one new Alliant Credit Union savings account (“account”) opened from January 10, 2021, through March 31, 2021; funded by transfers and/or deposits totaling $100 or more each month for 12 consecutive months; and opened by applying online from this page or by phone at 800-328-1935 and mentioning “Suze Orman’s The Ultimate Opportunity Savings Account promotion.”
  • Existing Alliant members, customers who are a joint owner on an Alliant savings account, and former Alliant members who closed an Alliant savings account within 180 days of applying for the new account are not eligible.
  • The first $100 must be transferred and/or deposited within 30 days of account opening, and each calendar month after the first $100 transfer/deposit, funds need to post to the account by the last day of the month.
  • Account must remain open and in good standing, maintain an average daily minimum balance of $100, and the balance at the end of the 12-calendar-month period must be $1,200 or more in order to receive the $100 bonus deposit.
  • Accounts will be reviewed 12 months from the date of the first transfer/deposit to determine eligibility.
  • If all requirements have been met after 12 months, please allow 4 weeks for the $100 bonus deposit to post to your account.
  • You will be responsible for any tax liability. Offer is not transferable and not valid for trusts, UTMAs, IRAs or other tax-exempt accounts.
  • Limit one offer per new Alliant member.
  • All account applications are subject to approval.
  • You must apply for the account by 11:59 p.m. CT on March 31, 2021, to be eligible.
  • Must be 18 or older at time of account opening and a legal U.S. Resident or U.S. Person (including a U.S. Resident Alien) to be eligible.
  • Alliant employees are not eligible for this promotion.
  • This promotion is subject to all federal, state and local laws and regulations and governed by Illinois law. Promotion is sponsored by Alliant Credit Union, 11545 W. Touhy Ave., Chicago, IL 60666.

Avoiding Fees

Monthly Fees

This account has no monthly fees as long as you opt for eStatements.

Early Account Termination Fee

Our Verdict

Looks like you need a minimum of $100 in the account at any time and then must have $1,200 in the account at the end of the promo period, I’d probably just keep the money in there the whole time if possible as the account earns 0.55% APY anyway (not terrible compared to other high interest savings accounts).

As far as I know Alliant last ran a checking bonus in 2014 and that was targeted. Some readers might already be members from signing up for Alliant credit cards, but if you’re not already a member then this is an easy bonus and well worth doing. Will add this to our best savings bonuses.

Hat tip to reader Ashley R

Useful posts regarding bank bonuses:





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[YMMV] American Express Business Platinum 110,000 Points Signup Bonus Offer with $15,000 Spend via Referral


The Offer

Some people are seeing an increased signup bonus on the American Express business Platinum card when using a referral link and going incognito:

  • Get 110,000 Membership Rewards points after you spend $15,000 within 3 months of signup.

Card Details

  • Annual fee of $595 is not waived the first year
  • Card earns at the following rates:
    • 5x points per $1 spent on purchases made with airlines or hotels booked directly from AmericanExpress Travel website
    • 1.5x points on qualifying purchases of $5,000 or more
    • 1x points on all other purchases
  • $200 airline incidental credit per calendar year
  • Lounge access:
    • Centurion lounge access
    • International American Express lounge access
    • Delta SkyClub lounge access
    • Priority pass select membership
    • Airspace lounge access
  • Internet Access:
    • Unlimited Boingo internet access
  • SPG gold status (this will also give you Marriott Gold status)
  • Hilton gold status
  • Fee Credit for Global Entry or TSA Pre✓
  • No foreign transaction fees
  • View these other hidden benefits
  • SoulCycle benefits
  • You can only get the sign up bonus on American Express cards once per lifetime.

Our Verdict

This offer is being reported by some r/churning members as appearing when they click the referral link incognito. I don’t see it on a few links I checked, YMMV.

We’ve seen 110,000 point offer that required $25,000 in spend on a non-referral offer; this one is for less spend and gives your friend the referrer credit – might be the best offer we’ve ever seen. Some are also able to get 100,000 after $10,000 in spend via the call in method.

Might be worth waiting a few days  to see how the ‘exciting offers’ on Business Platinum pans out. As always you can read more about American Express cards here.





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[MO, KS, IL, OK & CO] Commerce Bank $200/$500 Checking Bonus – Direct Deposit Not Required


Warning: People with a lot of ChexSystems inquiries have previously been approved and then had their accounts closed at a later date. Read previous posts for more data points. This deal is public whereas older deals have been targeted so it’s possible things have changed

This time it’s being advertised on Facebook, so they shouldn’t be able to say that this was a mailed offer. But I’d also recommend reading the comments on the last post as people did have issues with this bank in the past. 

Offer at a glance

  • Maximum bonus amount: $300
  • Availability: Missouri, Kansas, Illinois, Oklahoma and Colorado
  • Direct deposit required: Optional
  • Additional requirements: Direct deposit or 10 debit purchases
  • Hard/soft pull: Soft pull
  • ChexSystems: Yessensitive
  • Credit card funding: None
  • Monthly fees: $20, avoidable
  • Early account termination fee: None
  • Household limit: One
  • Expiration date: January 29, 2021

The Offer

Direct link to offers: $200 Bonus | $500 Bonus 

  • Commerce Bank has two checking bonuses:
    • Earn $200 when you open a Free Checking account with the promo code WI200
      • Make 10 debit card purchases within 60 days.
      • Have at least $25 in your account at the end of daily processing 60 days after account opening
    • Earn $500 when you open a CommerceRelationship account with the promo code WI500
      • Make 10 debit card purchases within 60 days.
      • Have at least $2,500 in your account at the end of daily processing 60 days after account opening

The Fine Print

$500 bonus:

  • Limited time offer. Only one offer per household. To qualify for the $500 bonus: a) You must provide the promo code from the advertisement at the time of account opening; b) You must complete at least 10 PIN Point of Sale or signature-based purchases using your associated debit card within 60 days of account opening. ATM withdrawals, pending transactions and withdrawals at a branch using your debit card are not qualifying transactions. Transaction must post to the account within the 60-day period; c) Your CommerceRelationship Checking account must be opened and funded by January 29, 2021; d) 60 days after account opening, the account must have a minimum balance of $2,500 (or the next business day, if 60 days falls on a weekend or bank holiday). The balance will be verified after all transactions, fees and charges have been applied at the end of daily processing; and e) You must be a new customer, meaning one who has not owned a Commerce Bank deposit account in the 60 days prior to account opening. We will determine whether all requirements for the bonus have been met 60 days after account opening (or the next business day, if 60 days falls on a weekend or bank holiday). If you have completed all of the above requirements, your bonus will be paid within 8 weeks by crediting your CommerceRelationship Checking account. Maximum total bonus $500. The bonus will be reported as interest to the IRS. Commerce Bank reserves the right to determine eligibility for offer, and offer may be revoked, restricted, or changed at any time at Commerce Bank’s sole discretion. Monthly service charge waived for first 60 days after new account opening. This 60-day grace period does not apply to existing or converted accounts. To avoid a $20 monthly service fee on the CommerceRelationship Checking account, the primary account holder must maintain a $5,000 average daily balance in that account OR $15,000 in combined Commerce deposit account balances (checking, savings, money market, CDs, and IRAs). The annual percentage yield for CommerceRelationship Checking is 0.01%, as of September 22, 2020. There is no minimum balance requirement to earn the APY. Minimum opening deposit $100. Rate may change after account is opened. Fees could reduce earnings on the account.

$200 bonus:

  • Limited time offer. Only one offer per household. To qualify for the $200 bonus: a) You must provide the promo code from the advertisement at the time of account opening; b) You must complete at least 10 PIN Point of Sale or signature-based purchases using your associated debit card within 60 days of account opening. ATM withdrawals, pending transactions and withdrawals at a branch using your debit card are not qualifying transactions. Transaction must post to the account within the 60-day period; c) Your Commerce Free Checking account must be opened and funded by January 29, 2021; d) 60 days after account opening, the account must have a minimum balance of $25 (or the next business day, if 60 days falls on a weekend or bank holiday). The balance will be verified after all transactions, fees and charges have been applied at the end of daily processing; and e) You must be a new customer, meaning one who has not owned a Commerce Bank deposit account in the 60 days prior to account opening. We will determine whether all requirements for the bonus have been met 60 days after account opening (or the next business day, if 60 days falls on a weekend or bank holiday). If you have completed all of the above requirements, your bonus will be paid within 8 weeks by crediting your Commerce Free Checking account. Maximum total bonus $200. The bonus will be reported as interest to the IRS. Commerce Bank reserves the right to determine eligibility for offer, and offer may be revoked, restricted, or changed at any time at Commerce Bank’s sole discretion. Annual percentage yield 0.00%. Fees could reduce earnings on the account.

Avoiding Fees

Monthly Fees

Free checking account obviously has no fees to worry about ($200 bonus). Commerce Relationship ($500 bonus) has a $20 monthly fee. This is waived if you do any of the following: $5,000 average daily balance in this account OR $15,000 in combined deposit balances (checking, savings, money market, CD, and retail IRAs)

Early Account Termination Fee

According to this comment no early termination fee is charged.

Our Verdict

The actual bonuses are great, the $200 bonus is very easy to meet the requirements for as is the $500 bonus. Main downside to the $500 bonus is needing to have $5,000 balance to keep the account fee free but even that isn’t that bad. The main issue with this bonus is how chexsystems sensitive this bank is and the issues people have had in the past. If you’re willing to take the risk this could be a great bank bonus but I suspect there will be a lot of issues with this unfortunately.

Hat tip to Andrew M

Useful posts regarding bank bonuses:





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Best Posts Last Week: $100 Home Depot & Best Buy Credits, $1,000 Checking Bonus & More


American Express has released some new offers for Platinum cardholders such as $50 back when you spend $50 at Best Buy (can be done twice) and the same deal for Home Depot. There were others released as well and we put together a FAQ for these new offers. Business Platinum cardholders are being offered a $25 statement credit when you spend $500+ in a single purchase and can be used 10 times. Exciting new offers will be added for the first three months of new Business Platinum cardholders as well. Additional travel benefits are being offered as well and for Delta, Hilton & Marriott cardholders. The $250 Citi Prestige travel credit now runs on a January to December cut off. We took a look at the Citi Sears card and everything you need to know.

Citi nationwide checking bonus has been extended, but the $400 bonus has been reduced to $300. Chime is offering a $150/165 bonus via Swagbucks/MyPoints. SunTrust has a new $1,000 checking bonus for those in AL, AR, FL, GA, MD, MS, NC, SC, TN, VA, and D.C Only.

Amazon is offering 20/40% off when using a single Membership Rewards point. Corner Bakery is offering free coffee/tea until March 31, 2021. Swagbucks has $60 CyberGhost VPN, a $12 money maker. You can check out the status of your stimulus payment.

As always a lot of the good deals have already expired, make sure to either follow us on Twitter, get instant notifications or get daily e-mail updates so you don’t miss any deals. If we missed any deals or you have an idea for a post, please let us know (will@doctorofcredit.com or chuck@doctorofcredit.com). 

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American/United Shopping Portal: Get Up To 1,000 Bonus Miles


The Offers

  • American/United shopping portals currently have spend bonuses. They are as follows:
    • American Airlines:
      • Spend $150, earn 500 bonus miles
      • Spend $300, earn 1,000 bonus miles
    • United Airlines:
      • Spend $150, earn 500 bonus miles
      • Spend $300, earn 1,000 bonus miles

The Fine Print

  • During the “Treat Yourself Bonus” offer, which runs from 1/11/2021 through 1/19/2021 at 11:59:59 pm ET (the “Bonus Period”), Member will earn a one-time bonus of up to 1,000 MileagePlus® bonus award miles on qualifying purchases made through the MileagePlus® Shopping mall or from purchases made through MileagePlus® Shopping in-store offers.
  • This one-time bonus award will be based on Member’s cumulative qualifying purchases made during the Bonus Period using one of the following tiers: Tier 1 bonus: 500 miles for qualifying purchases of at least $150; or Tier 2 bonus: 1,000 miles for qualifying purchases of $300 or more. “Qualifying purchases” do not include returns, cancellations, shipping and handling, taxes, gift card or other cash equivalent purchases, and certain products that are not eligible for bonus miles.
  • Please see the MileagePlus® Shopping mall site for details on product eligibility and other restrictions.
  • Please allow up to 10 weeks after the Bonus Period for bonus award miles to post to your MileagePlus® Shopping account.
  • The Tier 2 bonus provides the maximum number of miles that will be awarded. Void where prohibited by law.

Our Verdict

As always use cashbackmonitor to compare to other portals to ensure you’re getting a good deal (airline portals can offer way worse rates in some cases, even with the bonus miles).





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TradeStation: Deposit $500+ & Earn $100 Bonus


Update 1/10/21: Deal available again. Hat tip to reader Peak

The Offer

Direct link to offer

  • TradeStation is offering a bonus of $100 when you open a new account with promo code TSTVAFVE, deposit a minimum of $500 within 30 days of account opening and maintain $500+ for one month after the fund date

 

The Fine Print

  • Only New Entity (non-Institutional), IRAs, Individual or Joint equities and futures accounts with the correct promotional code entered between March 1, 2020 and July 1, 2020 (the “Promotional Period”), and initially funded with New Assets (as defined below) of $500 or more are eligible for this cash offer.
  • To qualify, you must enroll your new account (the “Account”) either by entering the promotional code on your new account application or by requesting to enroll, via telephone, with a TradeStation Representative.
  • Existing clients of TradeStation, Benzinga employees and TradeStation employees are excluded from this offer.
  • New Assets is defined as cash or securities held at a financial institution other than TradeStation (assets transferred from an existing TradeStation account do not qualify), which are deposited into the Account within 30 calendar days of Account enrollment.
  • Your Account will not qualify for the cash offer if you withdraw or transfer assets from your Account, then redeposit them into the Account during the Promotional Period.
  • New Assets will be based on initial funding amount. Asset fluctuations (up or down) do not affect the calculation of Qualifying Assets.
  • Clients must maintain minimum funding of $500 through the month following fund date.
  • Your one-time cash reward will be deposited into the Account the month following.
  • Customers who receive promotional offers may be subject to IRS Form 1099-MISC reporting requirements should the total value of those items exceed $599 in a calendar year.
  • Please consult a tax professional.

Our Verdict

Seems like a straight forward brokerage bonus, basically just deposit $500+ and then wait a month. Looks like if you open a TS GO account there are no fees or minimum requirements, although there is a $10 trading charge if you use the desktop platform so better to use the web/mobile app. This will be added to our best brokerage bonus page.

Hat tip to reader RoyalGreen





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[Targeted] Citi $200-$1,500 Personal Checking/Savings Bonus


Offer at a glance

  • Maximum bonus amount: $700
  • Availability: Nationwide
  • Direct deposit required: None (Required for $500 bonus)
  • Additional requirements: Deposit $5,000/$15,000/$50,000 & maintain for 60 days
  • 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: March 31, 2021

The Offer

Direct link to offer, this is a targeted offer. The fine print says you need to have received the targeted communication to be eligible. Seems to have been sent out to Citi cardholders with the subject line ‘ Exclusive offer for you, <name> – earn up to a $1,500 Cash Bonus, on top of all the great benefits you currently get as a Citi customer’

  • Citi has three sign up bonuses:
    • Earn $200 when you open a new checking account in the Basic Banking package and complete the following requirements:
      • Within 30 days of opening your account deposit $5,000 new-to-Citibank funds into the new checking account.
      • Maintain a minimum balance of $5,000 for 60 days
    • Earn $300 when you open a new checking and savings account in the Citi Account Package and complete the following requirements:
      • Within 30 days of opening your account deposit $15,000 new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non zero balance.
      • Maintain a minimum balance of $15,000 in your eligible linked checking and savings account for 60 days
    • Earn $700 when you open a new checking and savings account in the Citi Priority Account Package and complete the following requirements
      • Within 30 days of opening your account deposit $50,000 new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non zero balance.
      • Maintain a minimum balance of $50,000 in your eligible linked checking and savings account for 60 days
    • Earn $1,500 when you open a new checking and savings account in the Citigold Account Package and complete the following requirements
      • Within 30 days of opening your account deposit $200,000 new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non zero balance.
      • Maintain a minimum balance of $200,000 in your eligible linked checking and savings account for 60 days

 

The Fine Print

  • Eligibility: “Eligible Customers” are (1) primary Citi credit cardmembers (2) who have not been an owner of a Citibank checking account within the last 180 calendar days (3) at least eighteen (18) years of age (4) have received the Cash Tiered Bonus Offer via direct communication from Citi inviting them to apply and (5) have or furnish a valid W-9 or W-8BEN on file with Citibank and are not subject to backup withholding. NOTE: Authorized Users of credit card accounts, Private Bank customers and International Personal Bank customers are not eligible for this offer. Fiduciary, estate, business and/or trust accounts are not eligible for promotional offers even if they otherwise meet the definition of an eligible account. However, trust accounts that are a living trust and custodial accounts are eligible. Citibank Retirement Accounts and deposits into Citibank Retirement Accounts are not eligible for this Offer. “Citibank Retirement Accounts” include IRAs, SEPs, CESAs, money purchase pension plans, and profit sharing plans.
  • To qualify to earn a $200 to $1,500 Cash Bonus, Eligible Customers must:

    • First, open a new consumer Regular Checking account or Interest Checking account as first signer in an Eligible Package during the “Offer Period” of January 5, 2021 and March 31, 2021 (“Eligible Checking Account”). An Eligible Checking Account can only be used to fulfill this offer once. The maximum amount of Cash Bonus you are eligible to earn will be determined by your Eligible Package on the 30th Day (see Chart).
      • Even though Citibank allows customers to change their package type at any time by contacting a Citibank representative at a branch or over the phone, changing your package may impact your eligibility for this promotion.
      • If you change your package to one with a lower Minimum Balance (see Chart) or one that is not an Eligible Package after the 30th Day, you will not fulfill Required Activities.
      • For instance, after the 30th Day, Eligible Customers may not convert 1) a Citigold Account Package to either the Citi Priority Package, Citibank Account Package or Basic Account Package, 2) a Citi Priority Account Package to the Citibank Account Package or Basic Account Package, or 3) a Citibank Account Package to the Basic Account Package The Basic Account Package cannot be converted after the 30th Day.
    • Second, enroll in the Citi Account Package Bonus Offer during the Offer Period pursuant to the instructions provided. Note that Citigold Private Client customers currently may not enroll in the Cash Tiered Bonus Offer online.
    • Third, your New-to-Citibank Funds balance across the Eligible Checking Account and/or a savings account that you own during the Offer Period (“Eligible Savings Account”) must meet the Minimum Balance requirement for your Eligible Package (see Chart) by the 30th Day. You must maintain that applicable Minimum Balance for 60 consecutive calendar days (“Maintenance Period”). The Maintenance Period begins on the latest of 1) the first day the Minimum Balance is met for an Eligible Package (see Chart) or 2) the 30th Day. Multiple deposits allowed.
      • If you choose to keep your entire Minimum Balance in one account, any account that maintains a zero balance for 90 calendar days is subject to closure in Citibank’s sole discretion.
      • If your Minimum Balance drops for even one day below the required balance applicable to your Eligible Package during the Maintenance Period, you will not be eligible for this promotion.
      • To convert your Account Package, you will need to contact Citibank
      • Examples:
        • If you open your Eligible Checking Account in the Citibank Account Package and deposit $15,000 on the same day, your Maintenance Period begins on day 1.
        • So long as the 30th Day has not passed, that same account can be converted to the Citigold Account Package by contacting a Citibank representative at a branch or over the phone and will be subject to the Citigold Account Package Minimum Balance which is $200,000. In such a situation, the Maintenance Period will begin on the 30th Day, or earlier if the Minimum Balance reaches $200,000.
        • If your Eligible Package on the 15th day was the Citibank Account Package and you convert to the Citigold Account Package on or before the 30th day, your balance cannot drop to $199,999.99 or lower for even one day during the Maintenance Period, or you will not earn the Cash Bonus.
      • Fourth, your Eligible Checking Account must remain in an Eligible Package, open, and in good standing from the Account Opening Date of your Eligible Checking Account until the Cash Bonus is paid. The Cash Bonus based on the Chart will be paid within 90 calendar days from the date you complete all Required Activities. You will not fulfill the offer requirements if your Eligible Checking Account is closed at the time the Cash Bonus is paid.
  • The Cash Tiered Bonus Offer is a checking account offer. If you enroll in multiple checking account offers during an offer period and fulfill multiple checking account offers in the same month, you will be awarded the offer with the highest bonus value. If you enroll in multiple checking account offers during an offer period and fulfill multiple checking account offers across different months, you will be awarded the bonus of the first checking offer to qualify. Eligible Customers can only participate in each checking account offer once per offer period. If an Eligible Customer enrolls in multiple checking account or savings account offers during the Offer Period, the requirements of each offer must be met separately.
  • Important Tax Information: The Cash Bonus will be reported to the IRS as interest to the first signer on the account, in the year received, as required by applicable law. Bonus payments received by U.S. persons will be reported on IRS Form 1099-INT for the year received. Bonus payments received by non-U.S. persons will be reported on IRS Form 1042-S for the year received. Customer is responsible for any applicable taxes and consulting a tax advisor. Citi is not a tax advisor.
  • To be eligible for the Cash Bonus, U.S. persons must have or furnish a valid IRS Form W-9 (Request for Taxpayer Identification Number and Certification) on file and foreign individuals must have or furnish a valid IRS Form W-8BEN (Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding and Reporting (Individuals)) on file. Accounts subject to backup withholding are ineligible.
  • 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 Termination Fee

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

Our Verdict

This is the same bonus that was publicly available until the end of last year. That public bonus no longer has the $200 option and the $400 option has been reduced to $300. If you’re eligible for this bonus then it is worth doing. Here is the interest you’d miss out on compared to other high interest savings accounts if you had $15,000 in there for 60 days:

  • 0.1%: ~$2.5
  • 1%: ~$25
  • 3%: ~$74
  • 5%: ~$123

The same but for the $50,000 account:

  • 0.1%: ~$8.2
  • 1%: ~$82
  • 3%: $246
  • 5%: $410

Unfortunately this is targeted, so it won’t be added to the best bank account bonuses.

Useful posts regarding bank bonuses:





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Amazon: Save $30 on $100 Purchase of Baby Care Items (Diapers, Wipes, Etc.)


The Offer

Direct Link to offer (affiliate links here and below)

  • Save $30 when you spend $100 on select Amazon products in the Baby category.

The Fine Print

  • Offer only applies to products sold by Amazon.com or Amazon Digital Services LLC (look for “sold by Amazon.com” or “sold by Amazon Digital Services LLC” on the product detail page). Products sold by third-party sellers or other Amazon entities will not qualify for this offer, even if “fulfilled by Amazon.com” or “Prime Eligible”.

Our Verdict

This discount can even stack with the Amazon Mom S&S 20% discount if you get $100 from a single product. This $30 off deal is offered less often than the $20 deal. Currently not many items listed, but Amazon usually adds to it over time so might be worth checking back in a few days if you don’t see anything you want/need.





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