Citibank CitiGold $400 Checking Bonus
Open a CitiBank checking account before April 30, 2012 and enroll the new checking account into the Citi ThankYou Rewards. Then, after you have finished doing both of these requirements, you must make a direct deposit and complete a bill payment for two consecutive months. You will get 40,000 rewards points for doing so which is equivalent to $400 in gift cards.
For more information click here.
Bank of America KTC – $250 Cash Bonus and some more!
The Keep the Change program at Bank of America will let you have up to $250 of the change of all your debit transactions for the first three months! So lets say you get a hot chocolate at Tim Horton’s for $2.50, well instead of $2.50, the charge will show up as $3.00. The $0.50 from the addition (or round up) that the B of A puts in will be put into your savings account! How awesome is that? So now lets say you get a box of markers for $3.01, that’s right, you get $0.99 because it charges $4.00 instead of $3.00!
To get this deal:
- Sign up using this $50 bonus money link for a checking account with Bank of America
- Deposit $500 into your account
- Now sign up for a savings account (necessary to participate in KTC) here. In order to make this account free, you’ll need to set up a $25 auto transfer from your checking to your savings.
- Now that you have your checking account, debit card, and savings account, enroll in the KTC promotion here!
To maximize your deal with this, you can pump gas at $1.01 each time you pump gas late at night, or you can pay your utility bill or what-have-you at small portions. Be careful though, there may be some policies with the gas companies or the utility companies! Check out and stay legal! There are no policies about this at B of A.
According to the B of A policy, you can only have 5 checking/savings accounts. So therefore, you can participate in the KTC promotion up to 5 times! That’s up to $1,250 in cash! Make sure you screenshot and record all promotions from the Bank of America as they sometimes are hard on giving money out and promotions. They don’t always keep their word! (Don’t just screenshot this, screenshot the link signups above).
Happy Cha-Chinging!
Capital One Small Business Rewards $450!
When you sign up for your Small Business Rewards checking account, you will get $450 as long as you meet the following requirements with Capital One!
- First 30,000 reward points: open Small Business Rewards Checking account, Spark business credit card and a Capital One personal checking account
The Spark business credit card gives you 2% unlimited cash back. There are no annual fees during the first year, but after that it’s $59 per year. In addition to the 30,000 reward points (total of $300 in worth), you have the chance to earn $150 bonus money!
This offer is good until June 30, 2012! So get in on it. Learn more about the terms and conditions here.
Get $25 for Free When You Sign Up For Betterment
If you love to invest, or even if you just want to get started, you can get $25 for free when you sign up for a Betterment account and deposit at least $250 to get you started investing. You can sign up for your Betterment account online HERE. With Betterment, you enjoy no transaction fees and no minimums on your balances. The service can actually take care of automated services for you for so you can ‘set it and forget it’ when it comes to investing your money the smart way. So sign up for a Betterment account today with at least $250 and get $25 for free by signing up HERE.
$200 Business Checking Bonus from Chase
To get the $200 bonus for opening an account with Chase, you must open a Chase BusinessSelectSM checking account and deposit $5,000 within the first 30 days of opening the account. These funds must not be already held by Chase, so you cannot transfer them from another Chase account. This opening bonus is subject to approval and qualifies as one business checking account bonus, for which a customer can only receive one per year. The Chase BusinessSelectSM checking account must stay open for at least 6 months or the bonus will be debited from the funds withdrawn at account closing. Check the Chase Business Banking Site today to get your $200 Business Checking Bonus today!
Earn Up To $500 Referring Members to Citibank
If you already have a Citibank EZ Checking Account, a Citibank Account, a Citibank Everything Counts Account, or a Citigold Relationship Package Account, then you can refer up to 5 new members to Citibank to earn cash bonuses deposited right into your checking account. For each Citibank EZ Checking Account you will earn $25, for each Citibank Account you will earn $50 and for each Citigold Account you will earn $500. You cannot redeem this offer online as you must be present in a Citibank location to complete your referrals. To visit Citibank online, click HERE.
$250 from CitiBank – Thank You Preferred Credit Card
When you purchase $2,000 or more in the first 3 months of your credit card account opening, you get 250,000 Thank You Points. These points are enough for $250 in gift cards. You also earn 1 Thank You point for every $1 in purchases, and you earn Thank You points on your anniversary as well. Thank You Points have no expiration and no limits to the number you can earn. Earn 100 Thank You Points just for signing up for a card at the following link: Citi Thank You Preferred Credit Card
Get $30 from US Bank for Using Bill Pay (And Help a Charity, Too!)
If you don’t already have a checking account with US Bank, you can sign up for one by visiting a branch or by calling 800-US-BANKS. You will get a $10 bonus for signing up for Bill Pay and for donating $1 to any one of 4 charitable causes listed on their site when your Bill Pay is set up. This $1 donation should be the first bill payment set up through Bill Pay and should be for $1 only. Then you get another $20 for using Bill Pay to pay three bills. To see how this program works and to sign up for US Bank’s Bill Pay program, click HERE.
$100 Checking Bonus with America’s Credit Union
If you can join the Association of the United States Army, then you can join America’s Credit Union. Once you join and open a Choice Checking account, a Perk Checking account, or a Checking Direct account with America’s Credit Union and you have received a direct deposit of at least $500, you will receive a coupon for $100 within 60 days of the direct deposit being accounted for. This coupon can be redeemed for $100 at America’s Credit Union but will not be considered part of the opening balance of the account. The account must remain open for 12 months. If not, the $100 will be deducted from the closing balance when the account is officially closed.
To open an account online or contact someone who can help you open an account, click the following link: America’s Credit Union Checking Bonus
What Are The Factors That Do Not Affect Your Credit Score?
Everyone is working so hard to improve their credit score that they waste a lot of time worrying about things that do not even affect your credit score. Concentrate working on things that will improve your score. But to do that you must be able to separate the myths from facts. Given below are 3 factors that do not affect credit score negatively.
Factor 1
Paying off a credit card debt with another one having lower rate of interest affects your score.
This is not a correct fact. Rate of interest does not affect the credit score. However, if your credit score is low, you may have to pay a high rate of interest. Credit card companies and lenders et al do not report the interest that you pay to the three credit bureaus. Therefore, when your score is calculated, it is not considered. In fact, if you pay off a debt, even if it is with another credit card, you will be actually helping your score. One factor that is used to calculate your score is how you use your card. Moreover, when you are paying off a debt with a card having lower interest, you are doing yourself a favor
Factor 2
Your Score is affected when your credit card is cancelled.
This depends upon the number of cards that you have and your debt and credit limit. What this means is that your “debt to credit ratio” is calculated by totaling all your debts and dividing it by the total of your credit limits. But, if you have a single card with no utilization, then there is no chance of this factor affecting your credit score. Since you have not used the card, you have no balance and are not repaying any debt. However, there is one factor that may affect your score. If your card has been in use for a long time, then the length of credit history is cancelled along with the card.
Factor 3
Too Much Credit Will Affect Your Score Negatively.
This is also a factor that is a complete myth. Having balances on your credit cards is not advised, especially if the balance exceeds 30%. Use the card but keep repaying the debt. Being debt free affects score positively. You cannot have too much credit. You can have only too many debts. Also, some people wonder if it would be right to ask the credit card company to lower their credit limit. This is a factor that will surely harm your credit. Therefore, let your credit continue and do not ask the lender to lower the limits.
Work on other factors like paying your bill in time and paying off your debts. These will help to improve your score. Forget about things that do not affect the score negatively.
Samantha Lyttle is a finance expert and a freelance writer. She is a contributor for the site, FreeCreditReportsInstantly.Org.
Earn Up to $100 with a Savings Account from US Bank
When you open a S.T.A.R.T. savings account from US Bank and get your balance to $1,000, you will earn a $50 US Bank Rewards card. You will earn a second $50 US Bank Rewards Card for maintaining that $1,000 balance for 12 months from the date you first achieved that balance. The $100 bonus will be reported as interest earned so the account holder will be responsible for all taxes on the bonus. The US Bank Rewards Cards will be sent to the account holder within 60 days of verification of each goal being reached.
To get started by opening a US Bank S.T.A.R.T. savings account, click here.
Get $125 for Opening a Chase Checking
If you open a Chase Total Checking account and set up direct deposit into this account, you can get a $125 cash bonus. The Chase Total Checking account comes with free access to 16,500 ATMs, free online banking with online bill pay, free debit card with security built right in, free alerts by text message or email, and access to your account around the clock with Chase Mobile on your phone. You can open your new Chase Total Checking account online and get the bonus by accessing the application through the advertisement HERE or you can open your new account at a local branch with a coupon printed out. This offer expires 2/25/2012.