In February 2018, Starbucks and Chase launched the Starbucks Rewards™ Visa® Card. This credit card links directly to your Starbucks Rewards account and lets your earn stars for your purchases.
Starbucks is still constantly emailing me offers to get this card. I’m sure if you’re a Starbucks Rewards member, you’ve also received these messages. If you are a regular visitor to Starbucks, it may seem to make perfect sense to get this card. You drink their coffee anyway, why not earn free drinks for your everyday spending, right?
I’m a self-admitted Starbucks-a-holic. Every morning shift I work, I’ll stop by for an Iced Coffee with Sugar-Free Vanilla Syrup (no classic) and whole milk. I was quite proud when the baristas at my regular store would make my coffee for me without having to order. They even wished me goodbye on my last visit when I was transferred to a new work location and wouldn’t be a regular at their store anymore. It was an appropriate farewell, a note on my coffee and a Starbucks gift card. 🙂
So I’m the target audience for the Starbucks Rewards Visa card then, right? The problem is that before I’m going to apply for any card, I’m going to do the math and see exactly what it offers. Continue reading “Sorry Starbucks, I Love You But I’m (Still) Not Going To Sign Up For Your Credit Card”
When there’s a major change in the points and miles environment, it’s a good idea to take a step back and evaluate the new lay of the land. I don’t like to rush into making decisions and I’ve had some time to think about the news that Citi is going to eliminate all of the price & product protections as well as travel insurance benefits from their cards, including the Citi Prestige, as of September 22, 2019.
My gut instinct told me that the Citi Prestige wasn’t going to be worthwhile anymore and I’d cancel it. To make things more interesting, Citi is allowing people to cancel and get a prorated refund until January 1, 2020. I have my time limit where I’d need to make a decision.
If I am going to cancel the card, there are things I need to think about beforehand. I need to have a strategy and be smart about how I proceed.
Here’s my plan (subject to change):
Continue reading “Here’s My Citi Card Strategy After The ThankYou Card Devaluations”
It’s tax season. That time of the year where part of the population gathers paperwork as soon as possible to file for a refund and the rest of us put off the task until the last minute because we don’t want to see how much money we’ll owe the government. In the past, the way to pay the Internal Revenue Service was to write them a check and make sure that it was postmarked by the end of the tax deadline (April 15th, or later due to holidays or weekends). Now that many people choose to eFile their taxes, you can easily add your banking information to have your taxes due removed from your bank account. This is a fee-free option and I’m sure many people take advantage of the ease of doing this. As someone who’s always looking for a place to earn extra points and miles, I was interested when I saw that you can pay your taxes with a credit card…but with a catch.
Continue reading “Should You Pay Your Taxes With A Credit Card?”
UPDATE : The $150 sign up bonus offer has ended. You can apply for the card without the sign up bonus at this link.
I love to use the Citi Double Cash card as a standard to compare all other credit cards against. For no annual fee, it earns 2% cash back on all purchases. If you’re not getting this much value from another card, you’d be better off using the Double Cash Card.
Citi has now increased the sign up bonus on the Double Cash card to $150 so if this is a good card for you to get, there’s no time like the present.
Here’s more about it… Continue reading “Citi Double Cash Offers $150 Sign Up Bonus and 2% Back On Everything”