Category Archives: Balance Transfer Offers

Lifespring Health Everyday Rewards Visa Platinum Card

Balance Transfer Offers, Reward Cards

Lifespring Health, a company that offers a free rewards program in the healthcare sector, has teamed with National City Bank to launch a no annual fee credit card. The card earns points that can be used towards health and fitness expenses, Health Savings Accounts, and insurance premiums.

Features of the card include:

  • 4% back on gas at the pump — up to $250 monthly (Net purchases over $250 do not earn rewards)
  • 3% back on cinema and video rentals — up to $150 monthly (Net purchases over $150 do not earn rewards)
  • 2% back on groceries, restaurants and fast food — up to $750 monthly (Net purchases over $750 do not earn rewards)
  • Up to 1% back on nearly everything else, with no cap (0.25% on other net purchases up to $10,000; 1% on other net purchases every day)
  • No fee 0% APR balance transfer for 12 months

The 0.25% on other purchases up to $10,000 make this a poor choice for a general-purpose card, but the no fee, 0% BT makes it a card to consider. For more details, see this link.

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A Few Noteable Balance Transfer Offers

Balance Transfer Offers

I’ve recently added some offers to the database. In these days of increasing balance transfer fees, a few are worth highlighting:

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Washington Mutual MasterCard: Up to 10% Rebate on Gas for 6 Months

Balance Transfer Offers, Cash Back Cards

Benefits include:

  • 0% FIXED APR for 12 months on Balances Transferred now (not on Purchases or Cash Advances)*
  • Up to 10% Cash Back on Gas Purchases for 6 Months*
  • Up to 5% Cash Back on “Everyday Purchases” and 1% on Other Purchases*
  • No annual fee!

The most impressive aspect of this card is that it turns into a 5% rebate card at grocery stores, gas stations, drugstores, and dry cleaners (exluding purchases made at superstores and warehouse clubs) after $4,000 in spending:

Total Net New Purchases to Date During Rebate Period Rebate on Everyday Purchases (Except Gasoline for First 6 Months of Account) Rebate on Purchases of Gasoline for First 6 Months of Account Rebate on Other Purchases
$0–$1,000 0.5% 5.5% 0.25%
$1,001–$2,000 1% 6% 0.5%
$2,001–$4,000 3% 8% 0.75%
$4,001+ 5% 10% 1%

For anyone who spends a lot annually on “everyday purchases,” this becomes an attractive card. You would have to “suffer” through the first $4,000 in spending, which, if you charged only on EDP, would earn an effective rebate of 1.875%. That’s considerably better than the Amex Blue Cash, which earns only 1% on EDP for the first $6,500 of annual spending. The one advantage that Blue Cash has over this Wamu card is that once $6,500 is reached, the base rebate becomes 1.5%, as opposed to Wamu’s 1%.

Link (via FW)

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Phillips 66-Conoco 76 MasterCard: Earn 15% Rebates for 60 Days

Balance Transfer Offers, Cash Back Cards, Citibank

If you apply between now and August 31, 2007, you can earn 15% rebates on Phillips 66, Conoco and 76 purchases. The other benefits of the card include:

  • After the promo period, earn 4% rebates on Phillips 66, Conoco and 76 station purchases
  • For Non-Phillips 66, Conoco or 76 purchases:
    • Annual spend in this category totaling less than $5,000 will earn a 0.5% rebate
    • Annual spend totalling $5,000 or more will earn a 1% rebate
  • 0% APR on balance transfers for 6 months with no fee, as long as the first balance transfer is completed within 6 months from the date of account opening
  • No annual fee
  • In any given month, your rebates are capped at $50

To apply, you can either stop by a participating station, visit www.fuelngo.net (use offer code 1560) or call 1-866-FUEL-N-GO.

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FNBO Max Rewards Visa: 0% on Purchases Until August 2008, 2.99% Fixed for Life on Balance Transfers, No BT Fees

Balance Transfer Offers, FNBO

I received an offer in the mail the other day for the First National Bank Omaha Maximum Rewards Platinum Edition Visa Card. The perks of this offer include:

  • 2.99% APR Fixed for Life on balance transfers made in the first three billing cycles after your account is opened
  • 0% APR until August 2008 on purchases
  • No annual fee
  • No balance transfer fees with this offer

The card itself has a reward program called Maximum RewardsSM where you earn 1 point for every $1 you spend. The points are redeemable for cash, travel, gift cards, merchandise, etc.

To enroll, you can either:

  • Apply online at www.firstnational.com/apply and use access code 60358. I was able to enter a random 8-digit number for the reservation number and was still presented with the application.
  • Call 1-800-734-5944 and mention code 60358.

The deadline to apply for this offer is June 21, 2007.

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