Author Archives: ccwatcher

$50 Cheesecake Factory GC for 2500 Amex Membership Rewards Points

American Express

Cheesecake Factory Gift CardThrough September 25, 2011 or while supplies last, you can get a $50 gift card for The Cheesecake Factory for only 2,500 Membership Rewards points, half off the normal cost.

Gift cards can be used at any of The Cheesecake Factory restaurants or for online purchases at thecheesecakefactory.com. The card does not expire or accrue fees, but is not valid in the state of New Mexico.

Note: Currently PlasticJungle is offering $40 in cash for a $50 Cheesecake Factory gift card, which would net you 1.6 cents per Membership Rewards point. However, you have to wonder if this exchange rate would change with a sudden influx of cards.

Link (Via SD)

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Farewell Sweet Schwab Card

Bank of America, Cash Back Cards, FIA

Schwab Credit CardThe writing has been on the wall for quite some time. Arguably the best general purpose cash back credit card of all-time, the sweetness that was the 2% ex-Schwab card was bound to end sooner or later. Ever since the card stopped accepting new applications over a year ago, existing cardholders have been nervously speculating when the party would end. Well, doomsday now has a date: October 31, 2011.
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The Best Credit Cards with No Foreign Transaction Fees: A Comprehensive List

Travel Cards

credit cards with no transaction feesThere are many hidden expenses when it comes to traveling overseas. And one of them comes from the plastic in your wallet. Most credit cards charge a fee for making transactions in foreign currencies, an amount which is usually between 1 and 3% of your purchase price. Fortunately, one of the benefits of the Credit CARD Act has been to make these kinds of fees more transparent to consumers. So, at least now when you’re traveling, you should be aware of how much extra your charges are costing you, as any exchange fees should be broken out separately on your credit card statement.

That’s not to say that you should avoid using your credit card while you’re on vacation. Charging your purchases to a travel credit card while you’re abroad does have a few very significant advantages. Among the most important is the convenience and security of not having to carry too much cash. And you may be pleased to find out that even if you are being charged a fee for using your card, you’ll still almost certainly come out ahead versus changing your money at the airport or hotel, since the exchange rates that credit cards use are quite competitive.

Still, wouldn’t it be better to not be charged the fee at all? Fortunately there has been a trend towards offering this benefit on many cards, typically targeted to more affluent customers more likely to be frequent travelers.

Read on to find a list of credit cards and charge cards that do not charge foreign transaction fees:
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Citi Dividend World MasterCard – $300 Signup Bonus

Cash Back Cards, Citibank

Citi has a new offer for its Citi Dividend World MasterCard. You can now earn $300 cash back after you spend $5000 within the first 3 months of opening your account. That’s up from the normal $100 signup bonus you normally see for this card. While it isn’t as generous as the Chase Sapphire Preferred bonus, it’s still a nice offer for a no annual fee credit card.

For those unfamiliar with the Citi Dividend, it’s similar to the Chase Freedom and Discover More cards in that it offers a flat 1% cash rebate on all purchases, with the opportunity to earn 5% on categories that rotate throughout the year. Currently, you’ll earn 5% cash back on airlines, hotels and car rentals through September 30, 2011.

Note: This $300 bonus offer has expired. To see the current offer for the Citi Dividend World MasterCard, see this link.

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Capital One Cash Rewards Credit Card Review: 1.5% Cash Back on Everything

Capital One, Cash Back Cards

Cap One Cash Rewards Credit CardToday Capital One announced the introduction of a new cash back credit card that rebates a flat 1.5% on all purchases. The Capital One Cash credit card works like this: Customers will immediately get 1% cash back on all purchases from day one and a 50 percent anniversary bonus on cash earned on purchases in the previous year. In addition, new cardholders will earn a one-time signup bonus of $100 after spending at least $500 within the first three months.
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Have a Credit Card Complaint? New Gov’t Agency Could Help

General

Consumer Financial Protection BureauLate last month, the Consumer Financial Protection Bureau (CFPB) opened its doors for business. The fledgling agency was created as a result of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act) with a concentrated focus on consumer welfare, rather than on bank safety or monetary policy. It centralizes responsibilities that previously had been spread across many different government agencies.
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