Remember all those times in college and you were paying up out of this world on interest rate with credit cards? Well, it’s time for payback and use Credit Cards to “game the system” for maximizing your cash back.

Unless you have the Schwab Invest First card, the only other 2% cash back on All PURCHASES is the Fidelity Investment Rewards American Express(no annual fee). In addition to opening the credit card, Fidelity makes you open an account with them in order to get the 2%.

The Schwab is no longer available and it works the same way. It’s easy to set up whereas you can cash out via ACH transfer to your bank account.

When you open a Fidelity account, make sure to ask for the MySmartCash and have it link to your new Fidelity card. In doing this, your cash back automatically deposit into a MySmartCash account which is like a checking account.

If you want to go “gangsta” and maximize your cash back, then set up a rotation of cards such as Discover More($100 bonus), Chase Freedom($100 bonus), and Amex Blue Cash($25 bonus) for 5% cash back on rotating categories such as gas, drugstores, supermarkets, etc.

Also, you can get $50 bonus + 30000 bonus miles(enough for a free roundtrip ticket) with the Chase Continental Airlines. No annual fee for the first year, so make sure to cancel before your 1 year anniversary.


Bank of America is running a Referral Program whereas you can get $25 personal checking bonus and $50 business checking bonus for both people until 3/31/2011. Simply ask one the people who is a current BOA member, and refer you using this referral page.

From the website:

To Qualify for the Incentive: You must present this referral form at the time of the account opening and satisfy the terms of the applicable referral program. For Personal Checking accounts you must open a new checking account with a minimum opening deposit of $125 and make a minimum of one debit card purchase during the first 30 days from account opening. For Business checking accounts you must open a new checking account with a minimum opening deposit of $250 and make a minimum of one debit card purchase in the first 30 days from account opening. All accounts are subject to our normal approval process.


For those living in Washington State in the cities of Auburn, Bonney Lake, Federal Way, Lakewood, Gig Harbor, Key Center, Olympia, Puyallup and Tacoma, then check out Sound Credit Union $100 bonus for opening one of its checking accounts. You must set up direct deposit to get the bonus. There is no monthly service or minimum requirement with one free overdraft per year.

From the website:

A minimum $250 monthly direct deposit to a new primary consumer checking account is required. The $100 incentive is available for new primary consumer checking accounts only and will be deposited 30 days after direct deposit is established. Checking account must meet direct deposit requirement within 90 days of account opening or $100 incentive will not be paid. One incentive paid per member. Must meet qualifying criteria to open checking account. A $25 savings account is required for membership. The $100 incentive will be reported on Form 1099-INT. The $100 incentive cannot be used to open checking account. Limited time offer, eligibility and incentive are subject to change at any time.


For residents living in Wisconsin, get this $100 checking account bonus from AnchorBank with a new checking account. There is no monthly fee or minimum balance. Good until 2/28/2011. You must make a $100 initial deposit and do the followings:

* $25 for opening your account
* $25 for direct deposit
* $25 for making three debit card purchases
* $25 when you sign up for free e-statements

From the website:

To qualify for the full $100 you must: Open a new AnchorBank personal checking account with the appropriate minimum deposit of new money (money not currently held by AnchorBank). (Qualifies for $25.) Within 60 days of account opening you must initiate a monthly direct deposit which includes payroll, pension, Social Security or other government benefits. (Qualifies for $25.) Within 60 days of account opening you must make 3 debit card purchases. (Qualifies for $25.) Within 60 days of account opening you must sign up for e-statements. (Qualifies for $25.) The amount indicated will automatically be deposited into your new account within six to eight weeks after the completion of each of the events. This promotion is for new personal checking accounts only. If you already have an AnchorBank checking account, you are welcome to switch types or open a new account; however, only first checking accounts qualify for the $100 promotion. Not valid with other offers or on HSAs. Standard account qualifications apply. Account must remain open for six months and should be utilized as the primary checking account. $100 required to open all accounts except High Interest, which requires $5,000.


• 50,000 bonus miles after your first purchase

• First checked bag free every time you fly when you purchase your tickets with your Card for flights operated by Continental only (a savings of up to $50 per round trip)

• Two miles per $1 spent on tickets purchased directly from Continental, and one mile per $1 spent on all other purchases

• Two Presidents Club® passes ($100 value) every Cardmember anniversary

• Redeem miles for car rentals and hotel rewards in addition to flights — a Cardmember exclusive


On your birthday month, sign up with this DISCOVER CARD link to get Double Cash Back to get up to $500 of charges maximum. You Discover card now is 2% cash back. Get the Discover More card with a $100 bonus.

From the website:

Sign up to earn 2% Cashback Bonus on up to $500 in purchases from the first day of the birthday promotion month for which you enroll (or the date on which you sign up, whichever is later) through the last day of that month. Purchases earning 2% Cashback Bonus will not count toward your total annual purchases to determine your tier level. These purchases must post to your account by the last day of the month. Allow up to 5 weeks for this reward to be added to your Cashback Bonus account. See Cashback Bonus Program Terms and Conditions for further details about your reward program.

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Community West Credit Union, located in Michigan, is giving out 7.00% APY on balances up to $2,000 and $100 bonus with its checking account. Offer is good until 3/31/2011.

You must do the following requirements:

* Have at least 2 direct deposits, totaling at least $200
* Perform 5 debit card purchases
* Sign up for online banking and e-statements


Get a $60 Sharebuilder bonus if you are a Costco Executive members with promo code COEXLPC11 or a $55 bonus for regular Costco Gold Star members with promotional code COGOLPC11.

From the website:

$60/$55 Account Bonus: You will be eligible to receive the account bonus when your Costco membership number has been entered in the Sharebuilder account set-up process and verified. The applicable account bonus will post within approximately 4 to 6 weeks after the first transaction has occurred in each newly opened Individual, Joint and Custodial Account with Sharebuilder. The account bonus from Sharebuilder is not available for withdrawal for 90 days after it is awarded to your account. Sharebuilder and Costco reserve the right to terminate this offer at any time. Not valid with any other offer. Limit one Sharebuilderpromotional award per unique customer or custodial beneficiary. Offer excludes Individual Retirement Accounts and Education Savings Accounts.


Those who are with Bank of the West, set up direct deposit of at least $500 per month to get this $50 iTunes Gift Card. Setting up direct deposit to your checking or savings account must be done by March 4, 2011.

From the website:

Set up recurring monthly direct deposit of at least $500 and receive two $25 iTunes gift cards. Qualifying direct deposit must be set up and the first deposit received by March 4, 2011. Direct deposit must be payroll, Social Security, pension or other government benefits. Offer good while supplies last and cannot be combined with any other offer. Offer subject to change without prior notice and may be terminated at any time. Offer does not apply to second or multiple checking accounts. iTunes gift cards will be shipped to your account address of record by April 1, 2011. You must have a U.S. mailing address on March 4, 2011, to be eligible. Accounts not in good standing, overdrawn, zero balance, or closed as of March 4, 2011, are not eligible for this offer. To the extent required by law, Bank of the West will report the value of the iTunes gift cards to the IRS on Form 1099. Any applicable taxes are the responsibility of the account holder. All accounts are subject to the Bank’s standard terms and conditions and fee schedule. Apple is not a participant in or sponsor of this promotion.


I have many Chase $125 Coupons to give out for all Rebates Money members. The coupon is good until 2/15/2011. To find out how you can get the Chase $100 or $125 bonus coupon, you must do the following:

1. Sign up for free membership with Rebates Money(less than two minutes and confirm your email).
2. Email me along with your member name.
3. I will send you a copy of the coupon.

Enjoy these Chase CheckingSM benefits:

* FREE access to over 15,000 Chase ATM’s nationwide
* FREE Online Bill-Pay – including our Online On-Time GuaranteeSM
* FREE Chase Debit Card with built-in security
* FREE Account Alerts sent by phone or e-mail to help you avoid fees
* MORE than 5,100 Chase branches
* NO monthly service fee with direct deposit or 5 debit card purchases*

Open a Chase CheckingSM account and set up direct deposit today.
But hurry – this offer ends January 31, 2011.

*Important Information/Service Fee: Chase checking has no monthly service fee when you have five or more debit card purchases or a direct deposit post to your account each statement period, otherwise a $6 monthly service fee will apply. The direct deposit qualifier changes to at least one direct deposit of $500 or more and takes effect with statement periods beginning after February 8, 2011.

Make sure to read the fine terms:

Bonus/Account Information – To qualify for the bonus you must open a new Chase CheckingSM account with a $100 minimum opening deposit of new money (money not currently held by Chase or its affiliates). Also, within 60 calendar days of account opening, we must receive from your employer or the government a monthly electronic direct deposit of your payroll, pension or government benefits, such as Social Security. The bonus will be deposited into your new account within 10 business days after the initial direct deposit has posted to your account. Limit one personal checking account-related bonus/premium per customer, per calendar year. Offer not available on account conversions or in combination with any other offer. bonus is not considered part of the minimum opening balance. Checking account must remain open for a minimum of six months or the bonus will be debited from the account at closing. Account is subject to approval. bonus is considered interest and will be reported on IRS Form 1099-INT.

Get a $125 cash bonus when you open a Chase CheckingSM account and set-up direct deposit. You’ll need a $100 minimum opening deposit. With so many branches and thousands of ATMs, banking with Chase couldn’t be more convenient.

Chase allows 1 bank bonus per year. You need to keep the account open for at least 6 months. Otherwise, the bonus will be taken back. I’m pretty sure they will take the offer down before the expiration date, so sign up for free membership then email me with your member name for a Chase bonus coupon.

The physical locations are in Arizona, Colorado, Connecticut, Florida , Illinois, Indiana, Kentucky, Louisiana, Michigan, New Jersey, New York, Ohio, Oklahoma, Texas, Utah, West Virginia and Wisconsin. I believe anyone can sign up online.