Tag: Deals

What credit card should I get?

One of the questions I’m asked the most is, “Which credit card should I get?”

There’s not a one-size-fits-all answer, but here’s how to narrow it down:

Which credit card to choose if you carry a balance 

If you’re in credit card debt, then you need to prioritize your interest rate over rewards. The average credit card charges 16.05%. It doesn’t make sense to pay interest just to earn 1%, 2% or 3% in cash back or travel points.

If you have credit card debt, forget about rewards for now. You can avoid interest for up to 18 months with the right balance transfer card. And some card issuers (especially credit unions) charge ongoing (non-promotional) rates as low as the 6%-9% range. Don’t chase rewards if you’re revolving a balance.

If you have credit card debt, I recommend these cards:

  • Citi Simplicity® Card*: 18-month 0% intro balance transfer offer; transfers must be completed in the first four months; 3% balance transfer fee ($5 minimum); 0% introductory purchase APR for 18 months; regular variable APR of 14.74%-24.74%
  • Wells Fargo Cash Wise Visa® card: 15-month 0% intro balance transfer offer on qualifying balance transfers; intro balance transfer fee of 3% or $5 (whichever is greater); transfers must be made within 120 days to qualify for intro offer; 0% intro purchase APR for 15 months; regular variable APR of 14.49%-24.99%; regular balance transfer fee of 5% or $5 (whichever is greater)
  • BankAmericard® credit card: 12-billing-cycle 0% intro APR balance transfer offer; must complete the transfer within 60 days of opening the account; 3% or $10 transfer fee, whichever is greater; introductory 0% purchase APR for 12 billing cycles; regular variable APR of 12.99-22.99% on purchases and balance transfers

See related: Balance transfer cards with no transfer fee

Which card to pick if you don’t have any credit card debt 

Now we’re on to the fun stuff! The key questions at this juncture focus on how much effort you want to put in, how you spend your money and what you want to get out of your rewards.

Some people treat credit card rewards like a game. It’s fun for them, and they spend time looking for the best deals and juggling multiple cards. Yet about three-quarters of credit card holders prefer simplicity and would rather use the same card or two as widely as possible, we found in an August 2019 survey.

You won’t get the best rewards with that approach, but you can still do pretty well. Here are my favorite flat-rate cash back cards:

  • Alliant Visa Signature Card: 2.5% cash back on every purchase with a $99 annual fee (waived your first year)
  • Citi® Double Cash Card: Essentially 2% cash back on everything (technically 1% when you buy and 1% when you pay it off); no annual fee

If you make more than $20,000 in credit card charges in a typical year, the Alliant Credit Union Visa Signature is a better bet despite the annual fee.

Which card to pick if you’re willing to put in a little work to earn better rewards 

Dividing your spending among multiple cards is the best way to reap higher returns. At this stage, you need to consider how you spend your money. Different cards incentivize different types of spending (e.g., travel, restaurants, groceries, entertainment).

You also need to think about your desired redemption. Cash back has the broadest appeal (after all, who couldn’t use a little more cash?), although travel rewards are usually the most valuable. Some 49% of U.S. adults have at least one cash back card, 20% have an airline or hotel rewards card and 19% have a general travel rewards card, our research shows.

Chase Sapphire Reserve, the American Express® Gold Card, the Citi Premier® Card and the Capital One Venture Rewards Credit Card).

Each of these issuers has more than a dozen airline and hotel transfer partners, plus you can book an even wider variety of flights and hotels directly through the card companies. These programs provide tons of flexibility, and in terms of cents per point, they generally offer higher returns than cash back cards.

Parting advice

As you can see, picking the right credit card for you is an individual decision. I’ll leave you with two more thoughts:

You’re doing well as long as you’re avoiding credit card debt and redeeming rewards for something that’s valuable to you.

Not everyone wants to fly to the Maldives in first-class and stay in an overwater bungalow. Even if it yields fewer cents per point, a free flight to grandma’s house or cash back on everyday purchases could make more sense for your particular situation.

You should absolutely consider sign-up bonuses when evaluating credit cards, but don’t lose sight of the fact that your credit card strategy should be a long-term pursuit. Especially if you’re new to credit, focus on ongoing value rather than card churning.

* Information about Citi Simplicity has been collected independently by CreditCards.com. The issuers did not provide the details, nor are they responsible for their accuracy.

Source: creditcards.com

How to Get the Best Deals From Bank of America?

Bank of America, like most banks, offer several bonuses, either from their credit cards, checking or savings accounts. These deals can be either cash rewards, bonus points, etc. For example, open this credit card then you get a $200 cash rewards bonus. In the past, if you refer a friend, Bank of America would pay you $50 referral bonus. But Bank of America has discontinued the referral bonus when you refer a friend.

SAVINGS ACCOUNTCIT Savings Builder – Earn 0.85% APY. Here’s how it works: Make at least a $100 minimum deposit every month. Or Maintain a minimum balance of $25k. Member FDIC. Click Here to Learn More.

Bank of America “refer a friend & cash rewards” bonus program

While Bank of America does not have a cash reward bonus when you refer a friend, there are cash rewards when you yourself get approved for a particular credit card.

Cash Rewards Credit Card:

  • Receive $200 cash rewards bonus after you make $1,000 in purchases in the first 90 days. Also, you get to choose how to collect your rewards.
  • Plus, earn 3% cash back when you shop for: gas, online shopping, drug stores, home improvements, dining or travel.
  • Get 2% cash back at grocery stores and wholesale clubs.
  • Earn unlimited 1% cash back on all other purchases.
  • No annual fee. Go to Bank of America’s homepage to take advantage of this credit card referral bonus.

Travel Rewards Credit Card

  • Earn 25,000 online bonus points when you make at least $1,000 in purchases in the first 90 days. You can redeem it for a $250 credit toward your travel purchases.
  • Earn unlimited 1.5 bonus points for every $1 spent on all purchases.

Bank of America Premium Rewards Credit Card.

Again Bank of America offers no referral bonus when you refer a friend, but this credit card has great deals and promotions.

  • 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn 2 points for every 1$ spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
  • Get $200 in travel statement credit.

Make sure you take a look at other Bank of America Promotions.

In conclusion, if you’re looking for a cash reward deal when you refer a friend to Bank of America, you will not find any at this time. But there are several credit cards with great cash rewards. For more cash back deals, rewards or future referral bonus programs and promotions, check Bank of America’s deals here. The site guarantees no coupons or promo codes. You just activate your deals and go.

Here are other popular Bank promotions deals!

  • CIT Bank Savings Builder Account. 0.85% APY. Maintain a minimum balance of $25k OR make at least $100 minimum deposit every month. FDIC insured. Read our review here.
  • CIT Bank Money Market Account – 1.00% APY. $100 minimum opening deposit. No monthly maintenance fee. FDIC insured.  Read our review here.

Speak with the Right Financial Advisor

If you have questions about your finances, you can talk to a financial advisor who can review your finances and help you reach your goals (whether it is making more money, paying off debt, investing, buying a house, planning for retirement, saving, etc). Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.

*TOP CIT BANK PROMOTIONS*
PROMOTIONAL LINK OFFER REVIEW
CIT Bank Money Market 1.00% APY Review
CIT Bank Savings Builder 0.95% APY Review
CIT Bank CDs 0.75% APY 1 Year CD Term Review
CIT Bank No Penalty CD 0.75% APY Review

The post How to Get the Best Deals From Bank of America? appeared first on GrowthRapidly.

Source: growthrapidly.com

How to Find Apartments with Move-In Specials

Home is where the heart and all your stuff is, so you probably want it to be pretty nice. Just not break-the-bank nice. There are a few easy ways to save before signing on the dotted lease line, fortunately. Do your wallet a big favor and check out these tips for finding the biggest and baddest apartments with move-in specials.

How to find apartments with move-in specials with Apartment Guide

Apartment Guide is making it easier than ever to know which properties offer the biggest bang for your buck by tagging them with a hard to miss, but easy to use hot deals badge.

Follow these easy steps and you’ll be on your way to saving money on your next apartment lease.

1. Search for apartments in your city or neighborhood

Visit Apartment Guide and search as you normally would using filters to narrow in on your desired city, neighborhood, price and features. You can easily select a Hot Deals filter option, which will only show apartments in your search that have an active deal for you.

hot deals filter

In addition, as you’re scrolling through your full list of properties, you’ll notice a friendly red badge that says “Hot Deals” or “Deals” with your special offer.

apartments with move-in deals

 

2. Claim your move-in special

When you click on a property, you’ll know if it has an active deal when you see the red word “Deals” in an icon under the photos. Click on that badge or scroll down the page to see what special is currently being offered. It could be anything from a months’ free rent to a gift card when you sign a lease.

apartments with move-in deals

 

Then click on “Check Availability” to fill out your name and contact information and it will be sent to the property along with your move-in special. Someone from the community will contact you shortly.

While you’re on the page, you can also sign up for virtual tours, if they are available.

tour from home

 

Other tips for finding apartments with move-in specials

There’s no reason to stop there. Double (or triple) up on the savings by heeding a few of these tried-and-true tips for scoring the best apartment deals.

Timing is everything

No one wants to move during the busy holiday season, much less when it’s oh-so-chilly outside. So take advantage of everyone else’s hesitation and cash in on apartment community promotions that run rampant from October to December. Happy New Year, indeed.

Act quickly

If a deal seems too good to be true it probably isn’t going to be there long. Starting a few months before the big move, monitor rental prices in your desired area. This will give you a better idea of what’s fair to pay and what a true apartment deal looks like. That way, when a truly great promotion or rent reduction pops up you’ll be able to swoop in and grab it right away.

Rent new

Although it seems pretty backward, it can sometimes be cheaper to score a brand-new unit. This is because newbie communities have a lot of space to fill, so they run excellent specials to get people in the door. Just make sure your rent and amenity fees won’t get jacked up without your consent in a year or two.

Make the ask

Many people don’t realize that rental rates aren’t set in stone. If a community is struggling to fill units they’ll be more likely to throw you a bone or two, in the form of reduced rent or waived fees. Don’t be afraid to check out these potential caveats. The worst thing they can say is no, right?

negotiating

Brag a bit

Now’s not the time to be modest. Landlords would far prefer to have reliable renters in place, so if you have an impeccable credit history and references go ahead and drop this info like it’s hot. Be sure to include your score, if you know it. The apartment community is more likely to offer discounted rent to a sure thing, rather than someone who’s racking up debt all over.

Explore payment options

Some apartment communities have flexibility as to whether you pay month-to-month or upfront for a certain period of time, such as three, six or even 12 months. If you have the savings this could land you a discounted rent rate since they’ll already have your money in the bank. This apartment deal will cost you more upfront but will save plenty in the long-term.

Don’t be a diva

Sure, you might want a view of the bay or whatever, but if it works better with your budget to rent a middle floor unit it’s probably smart to make the concession. The same goes for ultra-desirable first-floor units. It’s simply cheaper to snap up a middle unit.

You can also save major bucks by opting for a community with onsite, rather than in-unit laundry. This minor inconvenience can net big savings in the end.

The same concept goes for fixer-upper units. Although it’s lovely to move into a turnkey place with a fresh coat of paint, pristine hardwoods and gleaming stainless steel, it’s also going to be reflected in the rent price. So think about what you really need, versus what you really want, all with your budget in mind. Many communities will approve minor repairs and upgrades, so check into that option and do the work yourself for a fraction of what they would have up-charged you!

Cast a wider net

Sure, you want to be in the trendy part of town, but it’s not worth being near all the hot spots if you have no money left over after rent, utilities and amenity fees to enjoy them. Instead, move a little further out to find the unit you want at a price that won’t break you. Then use ride-shares or public transportation to get you where you need to go if you don’t have your own wheels.

Find your apartment with move-in specials today

Searching for an apartment can be overwhelming in more ways than one. A little extra diligence on the front end, however, is likely to net big savings in the end.

So whether it’s a coupon, selecting a basement abode or a combination of the two, take a beat to figure out what you really want, when you want it and what you’re willing to give up to reap the best cash savings possible.

The post How to Find Apartments with Move-In Specials appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

Get Two Months Free on This Adams Morgan Studio

The Best Apartment Deals In DC Right Now | Cheap DC Apartments

We’re all about scoring a good deal here at Apartminty.  While we love perusing the top-of-the-line luxury apartments in DC, we also understand, sometimes an affordable rent is the better option. Either way, instead of you searching for Washington, DC apartments on Craigslist and property management company listing sites, we are delivering our choice of the best apartments to rent in DC right now.  Here’s our pick for the best Washington, DC apartment for rent today. Want more information on moving to DC? Check out Apartminty’s  Ultimate Guide to Moving to Washington, DC.

Adams Morgan/Columbia Heights

THE SHAWMUT

1768 Columbia Road NW

Washington, DC 20009

Studio Apartment
$1325/month
Unit #: 308
330 Sq Ft
Available Now

Why it’s a great deal:
The Shawmut is in the intersection of Adams Morgan and Kalorama and just a quick walk to Dupont Circle.  This apartment building is one of the most pet friendly buildings in D.C. They allow cats and dogs, but do not charge pet rent or a pet fee.  The customer service and maintenance team are incredible.   

The price on this studio apartment is not something you will see often! PLUS The Shawmut is offering two months free if you lease before the end of December!  You are only responsible for electric and cooking gas.   If you’re interested, reach out today! Looking for something a little different? Check out Apartminty’s guide How to Find an Apartment in DC.   *Pictures may not be of exact unit.*

SCHEDULE A TOUR

Read Get Two Months Free on This Adams Morgan Studio on Apartminty.

Source: blog.apartminty.com

It’s your last chance to try Stitch Fix for FREE!

This post may contain affiliate links. Read my disclosure policy here.

Have you been wanting to try Stitch Fix, but you didn’t want to pay the $20 styling fee out of pocket?

Through tomorrow evening (January 31, 2018), Stitch Fix is waiving the styling fee for all new customers when you sign up through this link! I’ve never seen them offer this kind of deal!

Here’s how it works:

1. Sign up for a new Stitch Fix account.

2. Fill out your style profile. You’ll give very specific details on sizes you wear, styles you like, colors you like, types of clothes you like, and what types of clothing you are specifically looking for (more casual, all business, a mix of both, etc.) You can be very detailed in your descriptions and even share a Pinterest board with them to give Stitch Fix some ideas of your tastes in clothing. Also, I recommend leaving your stylist a note with specifics on your budget preferences and any other preferences you have (colors/what you’d really like for them to send/an occasion you’d like to be styled for, etc.)

3. Go to checkout and pay nothing out of pocket (you will need to add a method of payment but you won’t be charged).

4. One of the Stitch Fix stylists will take your style profile, sizes, and preferences and put together a box of clothing based upon what they think you’ll like and what they think will work well for you.

5. They’ll send you this box in the mail. You’ll have a few days to go through the box, try on the clothes, and then choose to keep any that you liked and ship back any that didn’t work (they provide a postage-paid envelope for you to use).

That’s it! If you decide to keep something, you’ll pay for what you keep. If you decide not to keep anything, you can just stick everything back into the postage-paid envelope and pop it in your mailbox and you’ll pay nothing out of pocket!

This outfit came in my latest box and I absolutely love it! (I took this late at night at our hotel last night. Jesse and I are on a quick getaway/business trip to NYC! I’ll share more details on what we were up to later this week!)

Go here to sign up for your first Fix for FREE! Remember, this deal ends on January 31, 2018!

P.S. This is your last chance to get in on this offer to try out Stitch Fix with no strings attached! You won’t be signed up for a subscription or anything. If you’ve always wanted to try it out, now’s your chance!

Source: moneysavingmom.com