Vente-Privee $20 Credit With First Purchase Using American Express

Vente Privee is kind of a fancy Groupon-like deal site that sells designer things in 72-hour sales. That doesn’t sound like something I’d normally be interested in at all, but they are offering a $20 statement credit with your first purchase with an American Express by 12/31. (American Express is an official partner.) Check out this application page (my referral link) and you should see the offer. “American Express Cardmembers get a $20 statement credit with first purchase*”. Referring others to the site yourself after joining will also get you $20 in store credit.

As mentioned the sales rotate each day, but I was able to find a nice sugar shaker for $10 + $5.95 shipping and some kid’s clothing for $6 + $5.95 shipping. Not bad for some free stocking stuffers. Many of the cheaper items sell out fast… go figure. 😉

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List of Free MP3 Songs From Google Music

Google Music was opened to the public recently, and I finally got a chance to poke around. I’m not an especially active user of all these services where you save all your music in the cloud, as I’m pretty happy with my iPod Touch. I buy a few songs here and there, but mostly only redeem any iTunes gift cards or Amazon MP3 credits that land in my lap. However, I did notice that Google Music has a lot of pretty good free songs available, at least at launch.

First, they have a Free Song of the Day. Next, there are many free tracks sprinkled around the site. Here are some lists of free songs grouped by genre, let me know if you find more. You can download the songs directly onto your computer, and setup is pretty quick if you already have a Google account.

  • Free Pop & Hip Hop songs (Jessica Simpson, TLC, Usher, Whitney Houston…)
  • Free Rock Songs (Augustana, Train, John Mayer, Alice Cooper)
  • Free Country Songs (Kenny Chesney, Alabama, Brooks & Dunn, Dolly Parton)
  • Free Classical songs
  • Most popular free songs list (several repeats from above)
  • Free albums of live music from Shakira, Pearl Jam, Coldplay, Rolling Stones, Busta Rhymes,and Dave Matthews Band.

I found plenty to fill up the workout playlist. As a reminder, here’s a list of free MP3s from Amazon available as well, but I see more popular mainstream artists on Google Music.

Mastercard $20 Gift Card For $200 Purchase

Mastercard has a holiday offer going where if you register your Mastercard credit card number and spend $200 online with it, you’ll get a $20 gift card. Valid for first 80,000 – this promo started yesterday and I have no idea how long that’ll last, so just treat this like a nice surprise if it comes.

* Starts 11/15/11. Ends 12/31/11 or while supplies last. Offline, PIN-based & international transactions ineligible. Gift Card quantities are limited to the first 80,000 eligible entrants & maximum 10,000 other gifts to next 10,000 eligible entrants.

Free One Year Subscription to Economist & Kiplinger’s Personal Finance Magazine

(Update: Looks like this deal is over.)

I know that there are some Economist readers out there, and it’s a pretty expensive subscription. Right now the site NEAmag.com/2011FREE is offering a one-year subscription for free (51 issues) with no credit card required. You’ve got nothing to lose by trying, and there are several other magazines including Kiplinger’s Personal Finance available as well.

Capital One Cash Rewards Review: 1% Cash Back On Purchases + 50% Bonus Every Year

Update: This offer is no longer available.

The Capital One® Cash Rewards earns 1% cash back on all purchases, plus a 50% bonus on the cash back you earn every year. As long as your card is still open at the end of the year, that’s a total of 1.5% cash back. You can request the cash back as a credit on your account, or in the form of a check. In addition, it offers an additional $100 bonus if you spend $500 within the first 3 months of the account opening. The Capital One Cash Rewards has no annual fee and a 0% APR on purchases and balance transfers till June 2014. Added to Best Cash Back Rewards Credit Cards page.

Citizens Bank / Charter One CollegeSaver Account: Potential 6% Annual Return (For Kids, Limited States)

Citizens Bank and Charter One bank have an interesting CollegeSaver bank account for those with children. However, it is only open to residents of certain states in the Eastern and Northeastern US (CT, DE, IL, IN, KY, MA, MI, NH, NJ, NY, OH, PA, RI, VT; enter zip code to verify). Thanks to reader Justin for the tip.

You must open a bank account before the child’s 12th birthday with a minimum amount, and then save a minimum amount every month until the child is 18. (You’re allowed to miss one payment per year.) If you satisfy the requirements, you’ll get a $1000 bonus on the 18th birthday. Here are the details:

The best case scenario would be if your kid is just under 12 years old right now. That’s still a 6-year commitment, but if you contribute the minimums then with the bonus that’s a 6.40% annual rate of return on your money (per savings calculator). Since the bonus is constant, the rate of return drops the younger your kid is (longer contribution period). At just over 6 years old, you’d be locked in for 12 years and your annualized return would be 1.9%.

I would say if your child is 10-12 years old and you have patience, this is not a bad deal. But as this is not a 529, you will owe taxes on the interest. However, the upside is that you don’t have to use the funds to pay for college. The account is opened as a custodial account (UTMA), and thus the account can be opened for the child by anyone. However, depending on the state, the child will get control of the account at 18 or 21.

Zecco Refer A Friend Promotion: $100 Referral Bonus (2012)

Discount broker Zecco Trading has a refer-a-friend offer where a new account holder can get a $100 cash bonus if you are referred by a existing member and fund the account with $10,000 within 60 days of receiving the invitation. A minimum $10,000 balance must stay in the account for the subsequent 90 days. So that’s a guaranteed 1% ROI in 3 months, an annualized return of 4% on your cash. The referring person from the Zecco Friends Program also gets $100. Expires soon on Friday 8/24.

Zecco has $4.95 stock trades, and no minimum balance requirement or inactivity fees. If you would like a referral, please either contact me and I’ll send you one within 24 hours, or use my this direct invitation link for instant access. If you use the link, you must click on the link and apply for a Zecco Trading account in one session.

American Express Network: $40 Off $200 Purchase at Lowe’s

The following offer is targeted at American Express Business Platinum cardholders, but has been reported to work successfully with all American Express cards. The deal is if you register your card at AmexNetwork.com/LowesPlatinum and make a single purchase of $200 or more at Lowe’s by November 15, 2011, you will receive a $40 statement credit. It would appear one good way to test this is to make a $200 gift card purchase at Lowe’s, either for a Lowe’s gift card or some other retailer gift card that is available in-store. Then you can use the gift card with any other available coupon later.

To be eligible for this offer, you must be the named recipient of this invitation and register your American Express Business Platinum Card® at AmexNetwork.com/LowesPlatinum between 9/5/2011 and 11/15/2011. You may only register one Card for this offer. Using your registered Card, you must make a single purchase of $200 or more between 9/5/2011 and 11/15/2011. If your Card is replaced during the promotional period, please call the customer service number on the back of your Card for assistance. Limit one offer per Card member. Statement credits are generally issued within 5 business days after your qualifying purchase, but may take up to 2 billing cycles to post to your account. The reward of $40 will be credited to your registered Card account as a statement credit. Additional terms apply; see Registration Terms and Conditions.

I tried my trusty Starwood American Express and AmEx Blue Cash back card and both went through successfully, and I also got a confirmation e-mail. Lots of home improvement going on recently, so I’ll follow up to see if I get the $40 credit.

Two Movie Tickets From Fandango.com for $12

Daily deals site KGBDeals has a national deal of 2 Fandango.com movie tickets for $12. Each ticket has a maximum value of $12 (total $24). Supposedly has 13 days left, but with over 9,000 sold it may sell out.

Valid until January 31, 2012 and are good for one-time use only. Available for redemption starting October 31, 2011. Valid for use toward 2 tickets with maximum value of $12 per ticket (maximum total value $24). Both tickets must be purchased together in the same transaction for the same movie and showtime. Not valid on IMAX or 3D movies.

p.s. Groupon also has $20 for $40 at The Body Shop as their national deal. 54,000 bought already, perhaps a good value for gifts?

FedEx $25 “Shop Small” Gift Card For Small Business Saturday

In addition to the $25 statement credit for American Express cardholders, FedEx has a separate promotion where they will be giving out $25 “Shop Small” AmEx gift cards in support of Small Business Saturday through a Facebook promotion. You’ll need a Facebook account and visit their page at Facebook.com/FedEx starting on November 1st. First 30,000 who submit their mailing addresses only. From one press release:

FedEx recently announced it would inject $1 million into the small business economy in support of Small Business Saturday by distributing 40,000 $25 Shop SmallSM American Express® gift cards for use at small businesses on November 26. A total of 30,000 gift cards are available, first-come-first-serve, beginning November 1 on facebook.com/FedEx. FedEx will distribute an additional 10,000 gift cards directly to customers.

I’m not sure how the 10,000 gift cards “directly to consumers” will work. From another press release:

Shoppers will be able to obtain their free $25 gift cards from the FedEx Facebook brand page beginning November 1. For a limited time, shoppers can register and share the offer with friends with a few simple clicks. By providing a mailing address, the cards will be shipped to the first qualifying 30,000 consumers in time for them to get out and shop on November 26, Small Business Saturday. Only one Shop Small Gift Card will be sent to each Facebook ID that registers. There are no consumer fees of any kind associated with the Shop Small Gift Card.

Citi Forward Card Review & Improved Offer – $100 Gift Card Bonus

Update: Also check out the Citi Forward® Card for College Students.

As I was reminded in my best cash back credit cards post, the Citi Forward card is a great rewards card for those who spend a lot on restaurants and at Amazon.com. That’s not everyone, but sure sounds like me in my 20s. Okay, okay… it sounds a lot like me now. What can I say, I still love food, friends, and Amazon Prime 2-day shipping. 🙂 I have this card saved as the default card on my Amazon.com account for the 5x points, choosing this card over the Amazon-branded credit card. Why?

The Citi Forward® Card earns 5 points for every $1 you spend on restaurants, book stores including Amazon.com, video rental stores, and movie theaters. On everything else, you get the plain vanilla 1 reward point for every $1 spent. The important part is that I have confirmed that all Amazon.com purchases count as a bookstore under their categorization system (books, textbooks, music, electronics, cool pumpkin-carving tools, etc).

The news here is that they just added a new 10,000 ThankYou point sign-up bonus, redeemable for $100 in gift cards for new cardholders to stores like Home Depot, Macy’s, Gap, etc. You must make $650 in purchases and sign up for paperless statements within the first 3 months. That is the best sign-up offer they have ever had for this card, as I got this card when it first came out.

Alternative for 10k points include a $100 Amazon.com gift card, or you can also get a check for $100 towards your student loan and/or mortgage. You also get another 100 points each month just for paying your bill on time and not going over your credit limit. No annual fee.

Best Cash Back Rewards Credit Cards

Citi Double Cash

  • 2% cash back. Specifically 1% cash back when you buy + 1% cash back when you pay.
  • No annual fee.

Bank of America Travel Rewards Card

  • Up to 2.625% cash back when redeemed towards travel. This requires Platinum Honors status in the Bank of America Preferred Rewards program, i.e. $100,000 in assets held at Merrill Edge. If you are not a Preferred Rewards member, 1.5% cash back when redeemed towards travel.
  • No annual fee.

Barlcaycard Arrival Plus

  • Earns 2 miles per dollar spent. You can redeem 1 miles for $0.01 towards travel, and you also get a 5% rebate back in the points spent. This ends up being an effective 2.1% cash back towards travel.
  • $89 annual fee. This annual fee means that you must spend $80,000 first to recoup the $89 annual fee vs. a 2% cash back card with no annual fee.
  • However, the special factor of this card is the large upfront sign-up bonus which most cash back cards do not have. You can use 8,900 miles to pay for the annual fee.

Fidelity Visa

  • 2% cash back. Rewards must be deposited into an eligible Fidelity account.
  • No annual fee.

Alliant Credit Union Cashback Visa

  • 2.5% cash back.
  • $59 annual fee. This annual fee means that you must spend $11,800 first to recoup the $59 annual fee vs. a 2% cash back card with no annual fee.

Chase Freedom Unlimited (w/ Chase Sapphire Reserve)

  • 1.5 Ultimate Rewards points per dollar spent. If you have the Chase Sapphire Reserve card, you can get 1.5 cents towards travel per 1 Ultimate Rewards points. If you earn via the Freedom Unlimited and redeem on the Sapphire Preferred, that results is 2.25 cents cash back towards travel.
  • No annual fee. However, the Chase Sapphire Reserve does have a hefty annual fee, but I think this is a nice pairing worth mentioning if you already have the Sapphire Reserve.