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Rewards Network
TL;DR: Stack more rewards on top of your credit card with a Rewards Network partner If you’ve read my posts from over a year ago, you’d know I once recommended Idine, which gives 5-10% in credit in certain restaurants around your area. It’s pretty passive, and still comes recommended. However, Idine is part of a much bigger network of programs called the Rewards Network. There’s a lot of different programs (you can only hook up each of your cards to one of them). To note, almost every major airline/hotel has a program with these guys. Recently I’ve noticed that Idine credits are slow to accumulate and can easily expire year…
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Hooch
TL;DR: Hooch is another app like Drop, or Pei that pays you for spending with their partners. Hooch is another phone app (like Drop, Pei, Dosh) that gives 1% back on purchases with major brands such as Domino’s Pizza and Starbucks. You can redeem your points for gift cards and other rewards. If you live in one of their partner cities (including New York, Los Angeles, San Francisco among other major cities), there are even more opportunities to find partner restaurants/bars/merchants to earn rewards and redeem rewards in food, drinks, and travel. The rewards system is in TAPcoin, which is a cryptocurrency. You can start with $5 here. Happy Hooch’ing!…
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Replacing the Uber Credit cards
TL;DR: Uber card benefits changed, and we can replace it with the SavorOne card or the Wells Fargo Propel. Uber changed its reward structure: 5% back in Uber credits on Uber rides, Uber eats, and JUMP 3% back in Uber credits in food and travel no $50 subscription bonus anymore 🙁 The biggest disappointments are no 4% back in restaurants anymore, and all credits are now rewarded as Uber credits rather than cash back. This has prompted a lot of people to ask me what the best replacement cards are. As far as I’m aware, to cover the restaurant category with a similar no annual fee card, the best choices…
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BBVA Clear Credit Card
TL;DR: BBVA came out with a new credit card that offers 3% on a category of your choice. It’s implied on the website that you can have a choice of virtually any 3% category you might need. Not bad, though I have to admit I personally haven’t tried this yet. Something to look into! Shoutout to my friend Blair for finding this. Happy Clear’ing, TheJKW P.S. New posts every Sunday at 5pm CT. P.P.S. Check out the TL;DR of TL;DRs here.
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The Master Guide Step 1
TL;DR: The series continues. This one is about taking an overview of your finances. Check it out! Happy Master Guide’ing, TheJKW P.S. New posts every Sunday at 5pm CT! P.P.S: Check out the TL;DR of TL;DRs here
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The Master Guide!
TL;DR: Check out this section. I’m starting a new guide where we give a true master guide on personal finance. This is meant to give people a true sense of somewhere to start. Here’s the first section, discussing debt. Happy Personal Financing! TheJKW P.S. New posts every Sunday at 5pm CT! P.P.S. Check out the TL;DR of TL;DRs for the highlights of apps and other rewards talked about on this blog.
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Miles App
TL;DR: Miles rewards you for everyday travel. The basic idea is they give you 1 point per mile usually, and right now you can redeem 6500 points for $5 in Amazon gift cards, giving each 1000 points about $.70 in value. You can also link your Uber app, for maximal accuracy and you’ll get 2x points per mile. You won’t get rich off this app, but it’s passive and free! Start here to start with 1000 miles! Happy Mile’ing! TheJKW P.S. New posts come every Sunday at 5pm, CT! P.P.S. Find more like this in the TL;DR of TL;DRs
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Ask for your $$ back
TL;DR: Don’t be afraid to ask for $$ back when you want to dispute credit card charges. For the most part, it seems like most cards put 0 liability on consumers for charges they aren’t responsible for. Definitely when there are fraudulent charges, you have to contact your credit card company to help you out. But if you also simply feel like a business short-changed you on some aspect, like if they overcharged for something or promised you a different service, call the company. If they’re no help, you can call your credit card company and sometimes they can dispute it for you. Citi double cash is especially fantastic about…
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1.92% back (Savings)
TL;DR: Varo is currently offering 1.92% APY on your balances. Based on the recent Fed cuts, other mentions on this blog (including Marcus, CIT, Wealthfront) have all gone down to around 1.8%. Varo has no minimum balance for this rate and is FDIC-insured up to $250k. You can also earn 2.8% APY if you follow specific guidelines which include a maximum balance of $50k, and biweekly deposits of $1000. Check it out! For a limited time you can get $75 here. Happy Varo’ing TheJKW P.S. New posts every Sunday!
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Brex
TL;DR: if you own a business, check out Brex It’s gotten some hype and some crazy rewards. Disclaimer: I don’t actually have this card, I’ve only heard it’s popular. Happy Brex’ing! TheJKW P.S. New posts every Sunday at 5pm CT!