credit card rewards

Capital One World MasterCard No Hassle Rewards Miles

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Existing Capital One MasterCard holders may or may not be getting the same deals, but new credit card offers from Capital One are arriving in the mail to new credit card users. These are not reserved for highly qualified borrowers with high credit scores either. How do I know? One good piece of financial advice that I frequently give is to use phony names when signing up for certain things, especially promotional offers and magazine subscriptions. The reason is that these companies like to turn around and sell your name and address to other companies that then send you plenty of junk mail. These mailing lists can be more profitable than the actual business of writing a magazine or newsletter! Nothing helps sort out a real “Urgent! Response Required,” mailing from a phony one like seeing one of the fake names that you used to sign up for something in the past. Just like the one that appears on my no annual fee Capital One No Hassle Rewards World MasterCard offer that came to my house under a name used for magazine subscriptions. Since that isn’t even a real person, let alone someone with a high credit score, we know …

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How To Fight Credit Card Company Interest Rate Increases

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With Congress passing legislation to reign in some of the worst credit card abuses, credit card companies have been scrambling to get their terms and conditions, also known as the card contract, changed to terms more favorable to them before the new rules take affect. By changing your credit card agreement before the new credit card law takes affect, these card issuers can avoid having to play fairly as dictated by the new rules. However, this can mean bad things for customers and credit card account holders. Apparently, the banks aren’t concerned about losing business, because they are modifying terms on credit accounts left and right regardless of the person’s credit score or credit history. What can the average credit card customer do to fight back? Unfortunately, not too much, but there are some things that you can do to keep the credit card companies from cheating you out of your hard earned money. Credit Card Interest Rate Increases Under the old law, whenever a bank wanted to increase the interest rate it charged customers, it just sent out a letter saying that they were changing raising the interest rate. Consumers had no rights to do anything about it. The …

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Review Citibank Rewards Points Elite Level Premier Pass Card

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The Citibank PremierPass credit cards offers higher point earnings for frequent travelers, but comes with a steep annual fee.  And, most cardholders were recently nailed with a steep increase in interest rate even if they had good credit.  Do the PremierPass pros outweigh the cons?

citibank-credit-card-premierpass-elite

Earn Points Citi Premier Pass Card

The basic Citibank rewards points chart looks like this.

  • 2 ThankYou Points earned for ever $1 spent at Grocery Stores, Gas Stations, Drugstores, Parking, and Public Transportation like subways.
  • 1 Thank You Point earned for all other $1 spending.
  • 1 Thank You Point earned for every mile flown on any airline, including other people whose tickets you bought with the card.

ThankYou Points Redeem Chart

Points / $ Travel Reward* Spending Required Cash Back Equivalent
Grocery, Parking, Drugstore, Gas 2 Points / $ 20,000 points (for $200 ticket) $10,000 2%
Everywhere Else 1 Point / $ 20,000 points (for $200 ticket) $20,000 1%
50 / 50 Split 1.5 Point / $ 20,000 points (for $200 ticket) $15,000 1.5%

* Since there is no fixed flight option anymore, I tested a couple of flights through the booking system and it appears that tickets are pricing at approximately 100 points per dollar.

Reward Value is average unless you maximize shopping at the 2 for 1 points locations.

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Find The Capital One No Hassle Rewards Site

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It seems that several visitors are finding their way to the Finance Gourmet because they are trying to figure out how to access the Captial One No Hassle Rewards information on the Captial One website. Some people just wanted a mailed printed Capital One Rewards catalog, but they aren’t very common. It isn’t exactly hidden, but if you are one of those people who wants your webpages to be pretty clear, you might be a little frustrated.  There are two ways to get there that I know of: If you login to your Capital One credit card account online, you will see a screen like this one.  You’ll notice that there is a “Rewards Summary” link in two spots on the main card management screen.  Click it and you’ll get information on how many points you have earned.  On that screen is a button that says “View and Redeem Rewards.”  Click that, and you are in business. If you would rather just go there directly, the address is https://nohasslerewards.capitalone.com From there, you can look at what rewards are available and order your rewards directly from the site.  Keep in mind that you’ll need to have cookies enabled (especially if you …

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Credit Card Rewards Catalog

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One of the toughest things about comparing all the different rewards credit cards out there is that the credit card companies aren’t very good about showing you what your points can buy until AFTER you sign up. Go ahead, try and find the rewards catalog for a reward credit card without logging into the site. Most reward programs sound the same. Earn 1 point for every $1 you spend with some specials here and there thrown in to maybe give you more points at grocery stores, gas stations or elsewhere. The catch though is that it doesn’t matter how many points you earn, what matters is what you can get with those points. Remember Chuck e Cheese and Showbiz Pizza? 10,000 tickets gets you an 8″ stuffed animal. What do 10,000 points get you from your credit card? Less than two years ago I used 40,000 points on my Capital One Miles Reward card to get $400 worth of gift certificates to Baby’s R Us. I pretty much furnished the nursery for free. It was a great deal. I logged in at Christmas time this year (2007) looking to do the same for a pregnant friend. Imagine my shock when …

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