How To Maximize Your Free Citi ThankYou Network Credit Card Rewards

By MoneyBlueBook

Updated List Of Citi Thank You Codes For Free ThankYou Network Points Below

Back in the day, cash back credit cards were all the rage as their rebate offers provided the highest purchase incentives for cardholders. But as the U.S. economy has soured in recent years and the mortgage backed credit crisis has worsened, credit card companies have joined the legions of credit-related industries hurt by the downturn. Despite the need to make changes in the new economical climate, credit card issuers still continue to offer lucrative incentive rewards and rebates to attract new customers and encourage continuous credit activity. However, such riskier times have compelled them to modify and scale back their credit card purchase incentives to greatly favor point reward programs over straight cash back. By offering purchase reward points redeemable for free merchandise, free airline tickets, or free gift cards, credit card companies are at least able to lessen their promotional losses by plowing some rebate money back to merchants that they have special partnership agreements with instead of just giving money back to the customer. This shift towards promoting reward points instead of cash back has lead to a rise in rebate earning percentages for reward programs offering points, and a gradual decrease in earning percentages for credit card programs offering cash back.

However, over the years, Citibank has consistently remained one of my better credit card reward issuers. When they came out and started promoting the Thank You Points Network for their banks and credit cards, I did my research and

By MoneyBlueBook

I love using eBay. I've been a busy eBayer since the online auction service opened for business in the late 1990's, and over the years I've gotten my bargain grubby hands on quite a few deal finds. However, back in the beginning there was less competition among buyers and sellers vying for a piece of the lucrative eBay pie. With less auction and savvy awareness on the part of the general public during eBay's infancy, deals were easier to be had.

Back in the good old eBay days, one of my best past success stories was bidding and winning online auction sales for D.C. Metro SmarTrip cards. People in the Maryland, Washington D.C. and Virginia metro area use prepaid magnetic debit cards to ride the subway train to work in our nation's capital. When the SmarTrip cards were first implemented on the subway system in 2004, I think I was one of the early few to immediately turn to eBay to buy subway cards in bulk denomination for maximum arbitrage savings. At the time, the whole concept of buying subway cards was still in its infancy so there was less competition for them online. Most of the SmarTrip sellers were federal government workers looking to unload their government issued cards to eBay buyers and make some money in the process (they probably weren't authorized or permitted to do that of course). But regardless of the legality or morality on their part, I was happy to buy them. Since I worked in D.C. at the time

By MoneyBlueBook

Have you tried out the Capital One Card Lab program from Capital One credit cards yet? It allows you to build your own custom credit card using a pretty nifty online gadget. This novel web based feature from Capital One represents a promising shift and emerging trend in the credit card business towards providing customers more control and choice over the credit card selection process - by allowing them to create and set the terms and conditions of their credit card rewards and promotional offers. This is a growing movement that I hope is ultimately picked up by the other top credit card companies like Citibank, Chase, American Express, and Discover as well.

While credit cards and financial services in general have a history and reputation of being dry, complex, and frequently confusing, Capital One's new Card Lab online tool tries to make the application and selection process more entertaining and engaging, while still staying informatively functional at its core. The company's improved workshop tool gives customers a glimpse at the future of credit card creation, personalization, and customization. Through its convenient Card Lab website, users and prospective customers are given full informational control of the online application cycle, as the site offers interactive tools that permit them to select from a menu of credit card interest rate terms and rebate rewards to build their own unique credit card program to meet their needs. By providing consumers greater control and manipulative access to all card variations and reward terms in a way that is accessible

By MoneyBlueBook

Updated Review List Of The Top Make Money Online Paid Survey Offers Below

Ever since college, I've continuously exposed myself to a wide array of get rich quick schemes and online money making gimmicks. The majority of my hobby-esque efforts have primarily been for entertainment and informational purposes. While many of the online offers that I pursued and researched back then such ultimately turned out to be fraudulent scams or fruitless endeavors (acai berry scams for example), a handful of them have proved to be reliable and consistent money making methods over the years. One of the ways I used to make some extra money on the side and still work from home was by getting paid to fill out online surveys. Back when I was a college student, online surveys were an easy way to generate a few dollars here and there for extra cash and gift card rewards. Today, I still get paid to take online surveys but I've learned to manage them more efficiently and learned to fill them out substantially quicker than I used to. Nowadays, a 30 minute online paid survey usually only takes me a matter of 5 minutes to scan and rapidly click through.

While I work full time now, I still enjoy the little bits of part time income I generate with these free online paid surveys. These survey money making offers are best suited for certain work at home types such as: stay at home moms, college students looking for extra spending cash, or working professionals

By MoneyBlueBook

Instant Approval Credit Cards

These days, with the emphasis towards quicker and more convenient methods of transacting business (contact-less radio frequency credit card scanners, for example), credit card companies are constantly researching ways to improve the speed of credit transactions and the expediency at which they acquire new customers. Currently, most standard online and paper credit card applications take upwards of 2 weeks to a month or longer to get reviewed and approved. For the vast majority of people, this is no big deal since most people are usually not in any particular hurry to get a new credit card. Most people apply for credit cards because they want the long term purchase convenience that they offer, or they want the ability to save money on ordinary purchases by earning credit card rewards and rebate discounts. But there are consumers who simply don't like to wait weeks to find out whether their credit applications were approved or denied. For those who intend to use their new revolving credit account to pay down debt as soon as possible or make an emergency balance transfer, having to wait up to 4 weeks or longer is often a pretty significant inconvenience. For those types of people, choosing to go with an instant approval credit card offer may be the way to go.

Generally, instant approval credit cards benefit those with exceptional credit scores and credit histories the most. For credit cards that offer or advertise the instant approval option, once the online

By MoneyBlueBook

Airline Credit Card Rewards and Offers

I have a friend who is absolutely nutty about frequent flyer miles. Because he has family and relatives who live all over the place - in New York, Chicago, India, and England to name a few, he travels by airplane quite frequently. It's not just him either. His new wife and immediate family members always seem to be on the go, and over time they've become quite the experts at taking advantage of discount airline tickets and cheap airfare deals. One of their smartest moves was to make sure that they always purchase their airline tickets using an airline miles credit card - to leverage the cumulative cost-saving power of frequent flyer miles. Not only does this have the added benefit of protection against airline bankruptcy risk (a real possibility these days), it also affords them the opportunity to earn substantial amounts of frequent flier miles redeemable for future free flights. By focusing their ordinary credit card purchases to earn airline miles, they've been able to fly for free many times - both domestically and internationally. These international airline reservations to fly across the oceanic pond definitely don't come cheap either - each coach class international flight can cost in excess of $1,000 - so getting some of the airline tickets by redeeming earned reward points or miles has definitely been a nice bonus.

Despite The Common Annual Fee and High Interest Rates Involved, Frequent Flyers Who Pay Off Their Credit Card Balance Every Month Will Benefit Greatly From