Home Blog Page 3

UMB.com/Explore Home Equity Line of Credit Review

0

UMB.com/Explore

UMB HELOC Offer

You may have opened your mailbox the other day and received the UMB HELOC mailing.

The letter (i.e. www.umb.com/offer) temps you to access your home equity funds which can be used for all kinds of purchases and payments.

If you were lucky enough to receive this letter should you take advantage of the offer?

(Please note you must be 18 years of age or older and a legal resident of the United States.)

UMB.com/Offer Reviews

  • WalletHub: 4.5 out of 5 stars based on 668 votes
  • Bankrate.com: 4 out of 5 stars (review by Bankrate)
  • SmartAsset.com: “If you live in UMB Bank’s service area and you’re looking an in-person banking experience with a high level of accessibility and multiple account options, then you may want to consider giving UMB Bank a chance

Home Equity Funds Use

  • Cover the cost of home improvements
  • Purchase or refinance a vehicle
  • Pay for large purchases
  • Use it for a vacation
  • Consolidate debt
  • Buy a mail order bride

UMB HELOC Payment Information

Payments are due monthly.

Your minimum payment will equal the amount of your accrued interest and finance charges, plus any amount past due and all other charges.

An increase in the APR may increase the amount of your minimum payment.

The loan also comes with a $20 monthly service fee (but this fee can be waved).

The $20 monthly service fee can be avoided if you meet any of the one qualifications…

  • Average balance of $5,000
  • Combined deposit balance of $15,000
  • Combined deposit and loan balance of $25,000
  • Combined trust balance of $30,000
  • Combined brokerage balance of $30,000

UMB Customer Service

  • UMB Phone Toll-Free: 1.800.860.4UMB (4862) for immediate assistance
  • From within the Kansas City area, call 816.860.4UMB (4862)
  • UMB Credit Card Accounts: 1.800.821.5184

Need a credit card?

Home Depot Credit Card

The Home Depot credit card is designed for consumers who shop at Home Depot.

Cabelas Mastercard

Again this card is similar to the Home Depot card and is only useful for consumers who frequent Cabela’s.

Marcus.com/Offers Reviews and Analysis

0

marcus.com/offers reviews can't find my code

Marcus Invite Code Loan Review

Did you receive a letter from Marcus in the mail tempting you to take out a loan?

The letter most likely directed you to www.marcus.com/offers and told you to input the provided invite code found in the letter.

If you’re on the fence in regards to applying for the loan please read more below!

Let’s check out what the Internet blogs say about Marcus…

Marcus Loan Reviews (from finance blogs)

  • NerdWallet (Review by Amrita Jayakumar): Give Marcus loans a 5 out of 5 stars… “low rates, no fees, and flexible loan terms and payment options”
  • Bankrate (Review by Robin Saks Frankel): 3.7 out of 5… “excellent credit, you might consider Marcus by Goldman Sachs”
  • CreditKarma: 4.9 out of 5 stars based on 155 customer reviews

As you can see the Internet leans towards a borderline love-fest with Marcus Loans.

It was difficult to find anything negative about the firm/loan.

The only drawback is consumers with poor to average credit will not qualify.

Marcus Loan Customer Service

  • Phone: 1-844-MARCUS1 (1-844-627-2871)
  • Dispute Mail: Marcus by Goldman Sachs P.O. Box 45400 Salt Lake City, UT 84145-0400
  • General Correspondence address: Goldman Sachs Bank USA P.O. Box 1978 Cranberry Twp., PA 16066

The toll-free number is available from Monday – Friday 8 am – 10 pm ET Saturday – Sunday 9 am – 7 pm ET.


Need a credit card?

Check out the GetMyOffer.CapitalOne promotion and check out all of the cards offered by Capital One!

 


Capitalist Review View on the Marcus Loan Offer

  • No fees
  • Offers direct payment to creditors with debt consolidation loans
  • Easy application
  • Option to change your payment date
  • You can skip a payment from time to time without being charged a fee

Marcus Offer Code Information

Your code is a phrase plus 7 or 8 digits found on the check on the top right corner of your mail offer from Marcus.

Special characters (i.e. ! or *) are not allowed in the offer code field.

Bottom Line

One Word… YES!

If you need a loan and qualify Marcus is a great option!

Best Credit Cards For Foodies (Best Cards for Restaurants)

0

Food can be one of the great joys in life – and nothing really beats a great meal out in a quality restaurant. The flavors, the ambiance, the lack of effort on your end – it can all add up to the perfect evening. Of course, dining out can get expensive, so it’s worth doing what you can to save money. A great way to do just that is to optimize your credit card rewards when you do dine out. This article goes over some of the best credit cards for restaurants, to help you maximize your rewards!

best credit cards for restaurants

We’ll start with a list of the best credit cards for dining, then move onto some tips and tricks to save even more on your restaurant spending! Let’s get started.

 

The Best Credit Cards for Dining Out

There are literally hundreds of credit cards out there, so how does one go about choosing the best one for them? It helps to have a goal in mind. If your goal is to maximize rewards on your dining purchases, the cards below are great choices.

Best No-Annual-Fee: Capital One SavorOne

SavorOne

Rewards on Restaurants: 3%
Rewards on Everything Else: 3% on entertainment, 2% grocery stores, 1% on all other purchases
Signup Bonus: $150 bonus after spending $500 in the first 3 months
Annual Fee: $0

The Capital One SavorOne Rewards card is one of the best credit cards for restaurants. It’s particularly great for those who prefer not to pay an annual fee. For no-annual-fee options, this card offers the highest rewards rate on restaurants (3%), beat out only by the rotating category cards (which have a limited use based on the current category).

Additionally, the SavorOne is quite useful outside of restaurant spend, as well. It offers 3% rewards on entertainment (like movies), 2% on grocery stores, and 1% on everything else. For a card with no annual fee, these rates are pretty incredible. It even comes with a signup bonus – $150 after spending $500 in the first 3 months!

Best for Fine Dining & International Dining: Chase Sapphire Reserve

Chase Sapphire Reserve

Rewards on Restaurants: 3x points (worth 3-4.5%+)
Rewards on Everything Else: 3% on travel, 1% on all other purchases
Signup Bonus: 50,000 bonus points (worth $750+) after spending $4000 in the first 3 months
Annual Fee: $450

The Chase Sapphire Reserve is a great option for those who prefer the finer things in life. This is perhaps the ultimate luxury credit card, offering a huge host of benefits and exclusive perks. It’s best for those who like to travel and eat out a lot, as most of the perks revolve around travel & dining.

The Sapphire Reserve earns 3x points per $1 spent on all dining and travel purchases. Points are worth between 1 cent and 1.5+ cents each, so this is equivalent to earning 4.5% back – or more – on all dining spend. Plus, the perk works worldwide, so whether you’re grabbing a bite at an airport in Denver or experiencing fine dining in Paris, you’ll earn lucrative rewards on your purchase!

Keep in mind that the Sapphire Reserve has a $450 annual fee. While that sounds outrageous, it is partially offset by a $300/year travel credit, plus tons of other perks. That said, it’s definitely not for everyone!

Best Signup Bonus with No Annual Fee: Wells Fargo Propel

Wells Fargo Propel

Rewards on Restaurants: 3%
Rewards on Everything Else: 3% on dining, bars, gas, transit, rideshare apps, travel, and streaming services. 1% on everything else
Signup Bonus: 30,000 bonus points (worth $300) after spending $3,000 in the first 3 months
Annual Fee: $0

The Wells Fargo Propel card from American Express is among the best credit cards for restaurants, and for a number of other categories as well! There’s a lot to like about this card, starting with its 3% back on dining/travel/bars/gas/transit/streaming services and more!

We also appreciate that this card has a solid signup bonus of 30,000 points (worth $300), despite having no annual fee. That’s one of the best deals you’ll be able to score without having to pay a hefty annual fee.

Best for Takeout: American Express Gold Card

Amex Gold

Rewards on Restaurants: 4x points (worth 4% or more)
Rewards on Everything Else: 4% on supermarkets, 3% on select travel, 1% on everything else
Signup Bonus: 35,000 bonus points (worth $350+) after spending $4,000 in the first 3 months
Annual Fee: $250

The American Express Gold Card is another luxury credit card that’s a good option for dining out. It’s useful for foodies in general, and especially those who like to order takeout. That’s because it comes with a $10 per month credit to use at GrubHub, Seamless and some other delivery services! Beyond that, the card earns 4x points on all restaurant purchases, 4x rewards on supermarkets, and 3x points on select travel charges.

The Gold Card does have an annual fee of $250, although this is partially offset by the $120/year dining credit and other perks. It comes with a 30,000 Membership Rewards Points signup bonus, which is worth $300-$450+ depending on how you use it.

Best for Uber Users: Uber Visa from Barclays

Uber Visa

Rewards on Restaurants: 3%
Rewards on Everything Else: 3% on hotels, bars, and airfare. 5% on Uber/Uber Eats. 1% on everything else.
Signup Bonus: $100 Uber Cash after spending $500 in the first 3 months
Annual Fee: $0

The Uber Visa from Barclay’s is another good option. It offers lucrative rewards and perks, but there’s a catch: the rewards you earn can only be used on Uber rides. So if you’re an Uber user, this card offers excellent value – if not, skip this one for another on our list of best dining out credit cards.

The Uber Visa earns 3% on dining out and bars, plus 5% on orders through Uber Eats. There’s a $100 signup bonus for new users, as well. And the card has no annual fee! Overall it’s an excellent card – so long as you can make use of all the Uber credit you’ll be earning!

Best for Costco Members: Costco Anywhere Visa

Costco Anywhere Visa

Rewards on Restaurants: 3%
Rewards on Everything Else: 4% on gas, 3% on travel and dining, 2% on Costco purchases, 1% on all other purchases
Signup Bonus: None
Annual Fee: $0 (requires Costco membership, which starts at $60/year)

The Costco Anywhere Visa Card from Citi is a great all-around credit card, that’s also one of the best dining out credit cards. It’s available exclusively to Costco members, and although the card has no annual fee, you’ll need to pay $60 for the Costco membership. If you are already a member of Costco, this card is a no-brainer, as it offers 4% on gas, 3% on dining and travel, 2% on Costco purchases, and 1% everywhere else.

The rewards you earn on this card are issued as a Costco rewards certified once per year. So again, this card is only relevant for people who enjoy shopping at Costco. There is also no signup bonus, which is a downside but not a deal-breaker given the overall value of this card.

Best for Everyday Purchases: Citi Double Cash

Citi Double Cash

Rewards on Restaurants: 2%
Rewards on Everything Else: 2% on all purchases
Signup Bonus: None
Annual Fee: $0

The Citi Double Cash card is a good credit card for foodies that want to keep things simple. With the Double Cash, you don’t need to worry about bonus categories, rotating 5% calendars, or anything like that. This card simply earns 2% on every purchase – whether it’s a meal out, a cab fare, or a Christmas gift.

So, while there are other dining credit cards that earn a higher percentage cashback, this card sells itself on simplicity. Plus, it earns 2% on every purchase, whereas most cards only offer 1% on non-bonus category spend. For simplicity’s sake, go with the Double Cash.

Honorable Mention: Rotating 5% Category Cards

Chase Freedom

Another option for maximizing credit card rewards on restaurants is to use cards like the Chase Freedom and Discover IT. These kind of cards offer 5% rewards on a specific category of purchase, and that category changes every 3 months. You can view the cashback calendars for the Chase Freedom here and the Discover IT here.

At certain times of the year, either of these cards could be among the best credit cards for dining out. It really just depends on which category is offered currently – take a look at the cashback calendars to learn more.

 

Other Ways to Maximize Restaurant Savings

Picking the best credit card for dining out is very important for maximizing your rewards and savings – but it’s far from the only thing you should optimize. Here are some other tips and tricks to save even more on dining out!

Dining Rewards Programs

Several airlines and other rewards programs offer dining rewards at specific restaurants. For instance, American Airlines offers the AAdvantage Dining program, which rewards you with bonus American Airlines miles when you make purchases at certain restaurants included in the program. So you won’t earn extra rewards on just any restaurant – it has to actually be listed in the participating restaurants list on the program’s website.

The usefulness of these programs varies depending on the number of included restaurants in your area. In big cities, the selection is usually pretty good – smaller towns, not so much. Regardless, this is an easy way to earn an extra 1-5+ miles per $1 spent on dining out. And best of all, this is all on top of whatever credit card rewards you’re already earning!

Most airlines have these dining programs, learn more at the links below:

Nowadays, even some hotel chains offer similar dining programs. Learn more about dining rewards programs from IHG, Marriott, and Hilton. If you don’t see your favorite program listed here, simply search for it on Google!

Keep in mind that most of these programs run off the same back-end, and offer the same restaurants. You can’t “stack” deals to earn points in multiple programs at once, unfortunately. Still, it’s an extra way to maximize rewards on dining out!

Happy Hours, Lunch Specials & More

This may seem obvious, but it’s worth mentioning again: to save money on restaurants, keep a close eye out for good happy hours, lunch specials and other deals. Happy hours are a fun way to wind down a long day, and lunch specials can offer fantastic value. In fact, look at high-end restaurants to see if they offer lunch. If so, it’s likely to be at a fraction of the cost of dinner, for the same quality food!

 

So there you have it – our compilation of the best credit cards for dining out! What’s YOUR favorite card to use at your local restaurants? Let us know in the comments!

New $59 Annual Delta SkyMiles Select Program Review

0

Delta Airlines is one of the largest airlines in the world; and one of our personal favorites. They also have a great travel rewards program for frequent travelers, known as Delta SkyMiles. Now, Delta is offering even more perks for loyal travelers, with the introduction of the new SkyMiles Select program. Keep reading for our full Delta SkyMiles Select review.

 

What is Delta SkyMiles Select?

Delta SkyMiles Select is an optional subscription program available to all SkyMiles members. The service costs $59 per year, and offers a variety of perks such as priority boarding, free drink vouchers, and more.

SkyMiles Select is an optional upgrade to the free SkyMiles rewards program. You do not need to subscribe to the Select program if you do not want to – but frequent Delta flyers may find some value in upgrading to Select. Read more about the Delta SkyMiles Select features & perks below.

 

Delta SkyMiles Select Features

Delta Skymiles Select review

The main perks of this program are outlined in the picture above, and explained in more detail below.

Priority Boarding: With SkyMiles Select, you will be given Main Cabin 1 boarding privileges. This means you will be able to board sooner, and have more choice of overhead bin space. This perk applies to you and up to 8 companions, as well. However, keep in mind that depending on your SkyMiles status, choice of First/Business/Economy class, etc. this boarding perk may or may not benefit you. For example, if you usually fly First Class, you’ll board before Main Cabin 1 anyways – so this perk will not be helpful to you. See more about the order of boarding on Delta flights here.

Drink Vouchers: SkyMiles Select members will receive 8 vouchers for free drinks on board Delta flights. These vouchers will appear in the Voucher section of the Fly Delta app, and you can redeem then as soon as 24 hours after signing up for Select. Vouchers are valid for any drink aboard Delta flights, including wine, beer and spirits/mixed drinks. Drink vouchers are only redeemable by the SkyMiles Select member, however, you are welcome to redeem them for drinks for your travel companions.

Bag Tag: SkyMiles Select members will receive a limited-edition bag tag in the mail, within 3-4 weeks of initial signup. The bag tag offers no extra benefits, and is simply a cosmetic perk of membership.

 

Delta Skymiles Select Review

So, is this program worth it? How do the perks stack up?

In all honestly, the program is a bit underwhelming. For frequent travelers it may be worthwhile, but we’re certainly not jumping out of our seats to sign up for it. Let’s break the perks down individually to explore more.

Priority Boarding – While priority boarding sounds like a good perk, this is may or may not be useful depending on a variety of factors. The perk gives you access to Main Cabin 1 boarding, a class which boards after pre-boarding, Delta One, first class, Delta Comfort+, and Sky Priority members. Additionally, you may already have Main Cabin 1 boarding – or better – do to a perk of your SkyMiles status, a credit card you hold, etc. For instance, anyone who has one of the American Express Delta cards will already have Main Cabin 1 boarding, so this perk is unnecessary. Plus, if you fly First Class/Delta Comfort+, etc., you’ll board before Main Cabin 1 anyways.

Drink Vouchers – This is where most of the value of the SkyMiles Select program comes into play. If you fly Delta frequently and enjoy having alcoholic beverages on your flights, the drink vouchers can more than pay for your SkyMiles Select membership. Most alcoholic drinks cost $8-$9 on domestic Delta flights, so the value of 8x drink vouchers is approximately $64-$72. Since the program costs $59 per year, this represents a pretty good value.

Bag Tag – Unless you really enjoy limited-edition collectibles, the bag tag is a pretty mediocre perk in our opinion. It offers no special benefits, and is purely cosmetic.

 

Delta SkyMiles Select: Worthy Upgrade or Hard Pass?

The value of this membership really depends on how often you fly, as well as what class of ticket you typically purchase.

For people who fly Delta frequently and usually purchase basic economy fares, this membership is actually well worth it. This is because you’ll have way better boarding privileges with Select, and be able to actually find a spot for your bag.

For people who fly Delta but have Delta SkyMiles Status, or an American Express Delta credit card, or typically fly First Class/Comfort+, this membership is so-so. Many of these people will already have the same or better boarding privileges, so the Main Cabin 1 boarding perk is useless.

For those who typically have alcoholic beverages in-flight, SkyMiles Select is probably worthwhile. The value of the drink vouchers alone is around $64+, so this perk alone is worth more than the annual cost of SkyMiles Select. With that said, the savings are not huge.

 

In the end, whether or not this upgrade is worth it depends on your situation. We hope you’ve enjoyed our Delta SkyMiles Select review – let us know in the comments if you have any questions.

www.17dFd7.com: Credit One Bank Credit Card Offer Review

0

www.17dFd7.com

Credit One Bank Card

You wake up one day and find a mailing from Credit One Bank.

You tear it open and see you have just been pre-approved for a credit card from Credit One… what is your next move? Should you apply? Maybe toss it in the trash can?… were here to help.

If your wife already gave you the green light simply visit www.17dFd7.com.

BUT if you are on the fence consider the following before applying for the card…

  • The Credit One Bank credit card is generally designed for consumers with less than ideal credit (i.e. poor credit)
  • Annual fees are not clearly defined (they may be as low as $0 and as high as $99)
  • Authorized user: $19 per year; the authorized user must be at least 15 years old
  • Foreign transaction fee: 3% (minimum $1)
  • APR 19.99% – 25.99% variable
  • If you lose the card you will have to pay $25 to have it replaced
  • Cash advance: $5 or 8% of each cash advance, whichever is greater, or $10 or 3% of each cash advance, whichever is greater
  • 1% cashback on eligible purchases including gas, groceries and phone services

Having Issues With the Application?

17dFd7.com Customer Service

Mail: Credit One Bank, N.A., 6801 S Cimarron Rd, Las Vegas, NV 89113

Phone: 1-877-825-3242 (toll-free) or 1-702-405-2042 (outside the U.S.)

Application Information: 1-800-752-5493 (5 a.m. – 9 p.m. Mon – Fri, 6:30 a.m. – 5 p.m. Sat & Sun / All Times Pacific)