Kinecta Federal Credit Union Credit Card – 1.66% Cash Back

Cash Back Cards

A poster on FW has spotted what appears to be a credit card offered by his local credit union that effectively gives 1.66% cash back. He describes it in this thread.

The noteworthy feature of the credit card is that it earns points in the credit union’s reward program at the rate of 1 point per $1 spent. The points can be redeemed at the rate of 6000 points for a $100 gift certificate–essentially, a 1 2/3% return. There are gift cards available from numerous merchants, but the most flexible redemption option is where 6000 points can be redeemed for a “$100 Visa Dreamfunds Gift Card.” As described:

The Visa prepaid gift card can be used virtually anywhere. There are no limits on what you can do with your DreamMiles Funds card. Please note that the card will have the name of the person who orders it embossed on the card. All cards will be sent to the address on the order. Accepted wherever Visa cards are accepted. Delivered as 2 x $50.00 cards. Cards expire 6 months from date of issue. Valid for use in the United States only, cannot be shipped outside of the U.S.

The membership requirements for the credit union are lax, as one option to assure eligibility is to pay a one-time fee of $10 to join a local co-op. Kinecta only has locations in southern California, however, and if you aren’t local, it may be too much hassle to join solely for a rewards program, the longevity of which is not guaranteed. In addition, the gift certificate redemption options, while flexible, are not as convenient as a statement credit or a check.

Still, some may want to consider this option, as it does offer one of the highest rates of cash back available.

More details on Kinecta’s credit cards can be found here.

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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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Bank of America No Fee Balance Transfer Offers

Balance Transfer Offers, Bank of America, FIA

This page has application links to the Bank of America Platinum Plus Visa and Platinum Plus MasterCard with 0% on purchases and balance transfers for 12 months and no balance transfer fees. Via FW.

Note: Be sure to check the latest balance transfer offers from all credit card issuers by using the offers database at this link. You can also browse the directory of card deals here.

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Free TransUnion Credit Monitoring, Credit Scores and ID Theft Insurance For 1 Year

Credit Report

Ripped from SD:

  1. Go to www.truecredit.com/code
  2. enter code CNAA DHSC WHXB YWDB
  3. Log in if you have an existing TrueCredit account or create a new one

The code expires May 4, 2007 and entitles you to:

  • Unlimited TransUnion Report and Score*
  • 1 year of TransUnion Credit Monitoring
  • 1 year of Identity Theft Insurance*

See www.truecredit.com for more details.

Edit:   It looks like this deal has been expired prematurely and is no longer available.

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Free Museum Visits for Bank of America Cardholders

Bank of America

Bank of America continues its Museums On Us™ program this year, expanding the number of participating museums from 56 to 85. When you present your photo ID and a Bank of America credit card, ATM card, check card or MBNA credit card, you’ll receive free admission for yourself and a guest to participating museums during the month of May.

To see the full list of museums, visit http://www.bankofamericapromotions.com/museums/.

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25% Starpoint Bonus from 4/15/07 to 6/15/07 for Select Cardmembers

American Express, Travel Cards

Per FT, there’s another bonus promo Amex is running from April 15, 2007 to June 15, 2007. This particular offer is for select Starwood Preferred Guest credit card holders.

You’ll earn a 25% Starpoint bonus on all purchases made during the promo period on your SPG Amex. If you are eligible, you can enroll by visiting http://www.americanexpress.com/starwoodbonus1 or calling 1-800-794-1308 and entering promo code 086650001.

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Discover Introduces Business Miles Card

Business Cards, Discover

Discover just rolled out a new business card that earns travel rewards, as a complement to its existing cash back business card. Its features are very similar to the cash back card, except that you earn Miles instead of cash back. Whereas the Discover Business Card offers 5% on office supplies, 2% on gas, and up to 1% on everything else, the Discover Business Miles Card earns 2 Miles per $1 spent on gas and travel expenses, up to $5,000 in annual purchases, and up to 1 Mile per $1 spent on anything else. The “up to 1%” language is necessary because both business cards only earn 0.25% at “select warehouse clubs, discount stores and their affiliates.”

Redeeming Your Miles
Miles redemption is very flexible and is identical to the personal version of Discover’s travel card:

Book any travel through any airline, travel agent or online travel site and pay with your Miles Card. Then redeem your Miles, for every 5,000 Miles get a $50 travel credit to your account towards your travel purchases.

You also have the option of redeeming your Miles for gift cards from one of Discover’s partners.

Unique features
There are a couple of unique features to Discover’s business cards which are worth highlighting:

  • Fee-free PurchaseChecks: for use with vendors who do not accept credit cards, Discover offers checks that you can write that are not only fee-free, but earn 0.25 Miles for each dollar you spend. Purchases made with the checks offer the same APR and grace period as regular purchases made with the card. Note that only checks used to purchase or lease goods or services from a merchant are eligible for this treatment; any other use is treated as a cash advance.
  • Real-time customizable limits for employee cards: if, for some reason, the credit limit for one of your employees needs to be increased temporarily, you can either phone or log into your account online to change it immediately. When you would like to reset the limit back to its normal level, you can phone or log in online again to set it back.

For more information, visit http://www.discoverbiz.com or click here.

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Double Membership Rewards for April-June 2007

American Express, Reward Cards

This is essentially the same promotion as was mentioned earlier for Delta Skymiles card holders, but is instead for solicited Amex Green and Gold Card holders. When you enroll by June 15, 2007, you’ll be eligible for double points spent on your account between April 15 and June 15, 2007:

…you must enroll using your 14-digit RSVP code from your mailing, or if you are registered to manage your account online, your user ID and password.

To enroll in this special offer you can also call 1-800-794-1308 and enter the nine-digit code 064570002.

You can enroll online using the following links:

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