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Comenity.net/WayfairCard: Wayfair Credit Card Login (Review and Guide)

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www.comenity.net/wayfairCard

Comenity Wayfair Card

Apply for the Wayfair card and get 3% Rewards Back on All Eligible Orders from their 5 Retail Brands!

To apply to visit www.comenity.net/wayfaircard and click on the “register for online access” click.

In order to apply, you must be 18 years of age or older and have a good credit score.

 

Let us take a look at some benefits of the card

  • Special financing on eligible orders 5
  • 3% Rewards Back on All Eligible Orders from their 5 Retail Brands
  • $25 OFF on your first order of $100 or more
  • And now Free Shipping on all eligible purchases

 

Comenity.net/WayfairCard Customer Service

  • Phone: 1-844-271-2567 (TDD/TTY: 1-800-695-1788)
  • Customer Care Address: Comenity Bank PO Box 182273 Columbus, OH 43218-2273

Please note the Customer Care Hours are Monday to Saturday 8 am – 9 pm ET. and are closed on Sundays.

Live Customer Care hours may vary on holidays.

Access automated Customer Care 365 days a year, 24 hours a day, 7 days a week.

Please note to apply for a Wayfair Credit Card Program account you must meet the legal age requirements of your state or territory and have a U.S. mailing address including street, rural route or APO/FPO (Comenity Bank is unable to accept P.O. Box mailing addresses).

 


Read More…

  • GetMyOlloCard.com: In order to apply for the OlloCard you must have a mediocre credit score and be 18 years of age or older and a legal resident of the United States
  • JetBlueMastercard: The Jet Blue Mastercard is open to legal residents of the United States who are 18 years of age or older
  • DoubleYourLine.com: In order to apply for this popular credit card please visit www.doubleyourline.com now and follow the on-screen instructions

 


 

Wayfair Credit Card Approval Odds?

If you have a good credit score your odds of approval are 9 out of 10.

Consumers who have an average credit score the odds of approval will drop to 50 50.

 

Wayfair Payment Options

  • Any major credit card to include the Wayfair Credit Card, American Express, MasterCard, Visa, and Discover
  • Wayfair Gift Cards
  • Store Credit (for example you returned an item and picked the store credit option)
  • Money orders or personal checks
  • Wire transfer
  • Purchase orders (whatever those are)

What is the credit limit and Annual Percentage Rate (APR) for the Wayfair Credit Card Program?

Credit Limit and APR are dependent on your creditworthiness (check out the best credit cards for foodies). You’ll be notified of your credit limit and other account details after approval.

 

More About Comenity

The Wayfair credit card is issued by Comenity Bank who are proud member FDIC. Any questions for this bank can be directed to 1-844-271-2567.

 

Bottom Line

Unless you shop at Wayfair SUPER OFTEN we would avoid this credit card.

American Express Cashback Rewards Program (Ultimate Guide and Extensive Review)

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American Express is one of the largest banks and credit card issuers in the United States. They offer a wide range of credit cards, charge cards, banking products, loans and more. On the credit card side, there are basically three categories of American Express cards:

  • American Express Membership Rewards cards, which earn points
  • American Express Co-Branded cards, which earn miles or points with partners like Delta Airlines
  • American Express Cashback cards, which earn straight cash back (in the form of Rewards Dollars)

This article will take a look at AMEX Cashback credit cards. We’ve put together a full American Express Cashback Rewards program review, to show you everything you need to know about this lucrative rewards program.

 

American Express Cashback Program Review

American Express has its Cashback Rewards Program on three different credit cards. All of these cards earn cashback on each purchase you make. You will accrue cashback in your account in “Reward Dollars”, until you reach $25, at which point you can redeem the Reward Dollars for a statement credit. A statement credit will be applied to your next bill, lowering the amount you owe. So if you have $200 in charges on your credit card bill, and you redeem $25 in cashback, you will only owe $175.

Keep in mind that there is a $25 minimum before you can redeem your rewards. You will accrue Reward Dollars in your account from day one, but you can’t actually redeem them until you have at least $25 built up.

The Cashback cards from AMEX are marketed as earning “cash back”, but really they earn Rewards Dollars. These Rewards Dollars can be redeemed for statement credits, or for a variety of gift cards, products and more.

Let’s look at some of the credit cards that earn these Reward Dollars, then we’ll move on to to more information about how the rewards program works.

 

American Express Cashback Credit Cards

American Express Cashback Credit Cards

There are three different cards in the American Express Cashback Rewards Program:

  • Cash Magnet (no annual fee)
  • Blue Cash Preferred ($95 annual fee)
  • Blue Cash Everyday (no annual fee)

These three cards are all part of the same program. They all earn Rewards Dollars, which can be redeemed for statement credits. However, there are some differences between the cards.

 

Amex Cash Magnet

American Express Cash MagnetAnnual Fee: $0
Cashback Rate: 1.5% on all purchases
Signup Bonus:
$150 bonus cashback after spending $1000 in the first 3 months
Intro APR:
0% intro APR on purchases and balance transfers for the first 15 months

The American Express Cash Magnet card is a simple cashback card that earns 1.5% cashback on all purchases. There are no complicated bonus categories or special restrictions to think about, making this a good choice for those who like to keep things simple.

The Cash Magnet has no annual fee, and comes with a $150 signup bonus after you spend $1,000 on the card in the first 90 days. There’s also a lucrative intro APR offer, where you can pay 0% interest for the first 15 months. This promo applies to both new purchases and balance transfers from other credit cards, so if you have existing credit card debt, this promo can be used to save a good bit of money on interest over the next 15 months.

Rewards-wise, this card is solid. 1.5% cashback is a good rate for a card with no annual fee. With that said, if you’re looking to maximize your rewards as much as possible, going with one of the Blue Cash cards may be a better option.

 

Amex Blue Cash Preferred

Blue Cash Preferred

Annual Fee: $95
Cashback Rate: 6% on supermarkets and streaming services, 3% on gas and transit, 1% on everything else
Signup Bonus:
$300 bonus cashback after spending $1,000 in the first 3 months
Intro APR:
0% intro APR for the first 12 months, on purchases and balance transfers

The American Express Blue Cash Preferred is another great credit card from AMEX. This one does have an annual fee, of $95 per year. However, for many households, the increased earning rate on the card will more than offset the extra annual fee.

The Blue Cash Preferred has a tiered earning structure:

  • 6% cashback on US supermarkets (capped at $6,000 per year in purchases)
  • 6% cashback on select US streaming services
  • 3% cashback on US gas stations
  • 3% cashback on select US transit, including ridesharing, parking, tolls, etc.
  • 1% cashback on everything else

The biggest selling point of this card is the 6% back at grocery stores. If you spend $500 per month on groceries, you will max out the benefit and earn $360 in cashback per year! Obviously this more than makes up for the $95 annual fee – and that’s before any of the other benefits of this card.

We recommend the Blue Cash Preferred for those who want to maximize their rewards earnings, and who don’t mind a bit more of a complicated earning structure. For simplicity, a card like the Cash Magnet may work better. And for those who want to earn more on groceries but don’t want an annual fee, the Blue Cash Everyday(see below) is a great option as well.

 

Amex Blue Cash Everyday

Blue Cash Everyday

Annual Fee: $0
Cashback Rate: 3% cashback on supermarkets, 2% cashback on gas & department stores, 1% on everything else
Signup Bonus:
$200 bonus cashback after spending $1,000 in the first 3 months
Intro APR:
0% intro APR for 15 months on purchases and balance transfers

The American Express Blue Cash Everyday is a good option for those who don’t want to pay the annual fee of the Preferred version of the card. Like the Preferred, it has a tiered rewards structure:

  • 3% cashback on US supermarkets (capped at $6,000 in purchases per year)
  • 2% cashback on US gas stations and select US department stores
  • 1% cashback on all other purchases

Like the Preferred, the Everyday’s main selling point is the bonus earnings on grocery store spend. But of course, this card earns 3% instead of 6%, in exchange for having no annual fee.

The choice between this version and the Preferred version mostly comes down to how much you typically spend on groceries. If you spend a lot, the Preferred makes more sense as you will earn enough to more than offset the annual fee. If you’re in a smaller household that spends less on groceries, the Everyday makes more financial sense.

 

Earning Amex Cashback Rewards (“Reward Dollars”)

earning amex cashback rewards

Earning Rewards Dollars is straightforward. Every purchase you make on your credit card will earn Rewards Dollars. The rate at which you earn will depend on which card you have, as well as the category of purchase.

When you look at your credit card statements or your American Express online account, you’ll be able to track how many Reward Dollars you have accumulated, as well as how much you earned on each transaction.

In addition to making purchases on your credit card, you can also earn Rewards Dollars by referring friends. The promotions vary, but often you can earn $50-$100 in bonus rewards if you refer a friend who applies for a new American Express card.

 

Redeeming Amex Cashback Rewards (“Reward Dollars”)

Redeem Amex Reward Dollars

All three of the cards listed above earn the same type of rewards: American Express “Reward Dollars”. Once you accumulate $25 in Rewards Dollars, you can redeem them for a variety of rewards:

  • Cash back, in the form of a statement credit. This is often the best option
  • Gift cards to hundreds of retailers, restaurants and more.
  • Select merchandise from the Amex online reward store

In most cases, it makes the most sense to simply redeem for a statement credit. This allows you to get exactly what you want with your rewards. For example, if you want to splurge on a nice meal out, you can go to a fancy restaurant. If you spend $100, you can then go in and redeem your Rewards Dollars for a statement credit, reducing the amount you owe American Express for dinner.

 

American Express Cashback vs. Membership Rewards

American Express has two primary rewards programs: its Cashback program, discussed here, and the Membership Rewards program.

We’ve already learned all about the Amex Cashback Rewards program – but how does it compare to Membership Rewards?

Well, Membership Rewards is a bit more complicated, but we’ll try to summarize it as best as possible.

Many American Express cards earn Membership Rewards points (MR). These points can be redeemed for a huge variety of rewards, including travel, gift cards, exclusive experiences, and cashback.

Generally speaking, the best use of MR points is travel. You will typically get the best value for your points by redeeming them for flights or hotels, or by transferring them to partners like airlines and hotel chains.

Membership Rewards points are less useful for cashback. While they can be redeemed for statement credits on some cards, the rates given are often poor.

So, in general, we recommend:

  • The Membership Rewards program is best for people who like to travel, and those who like premium credit card perks (often with higher annual fees)
  • The Cashback Rewards program is best for people who like to keep things simple, while maximizing cashback on every purchase

 

Amex Cashback Rewards Review: Wrapping Up

So, to sum up, how good is the AMEX Cashback Program?

In short, it’s pretty great! This program offers an easy way to rack up lots of rewards that can be redeemed for statement credits, saving you a good amount of money in the long run.

Pros:

  • Three cards to choose from
  • Multiple cards with no annual fee
  • Generous rewards rates
  • Easy to redeem for cashback
  • Cashback in the form of statement credits can be used for just about anything

Cons:

  • You can only redeem rewards in increments of $25
  • There are no travel redemption options

We love the Cashback program for its simplicity and competitive earning rates. And particularly with cards like the Blue Cash Preferred earning 6% on groceries, it’s staggering how quickly you can stack up the rewards.

How do you like the American Express Cashback Rewards Program? Let us know in the comments below!

Bank Of America My New Card Offer (Ultimate Review and Guide)

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www.bankofamerica.com/mynewcard

Bank of America is offering some of the best credit cards to their customers with good to great credit scores.

Stop by www.bankofamerica.com/mynewcard to apply with your personal digital offer code.

Not only are these credit cards some of the best in the game but they also come with a bonus offer in the form of cash-back (in most cases).

The only downfall associated with the offer we received is BOA puts a cap on the amount of money that can be earned each quarter (lame!)… this is very disappointing for BIG spenders!

Please note you must be 18 years of age or older and a legal resident of the United States in order to apply (and get approved bruh!).

Bank of America My New Card Reviews

Bank of America literally saved my life with this credit card offer! I was drowning in high-interest credit card debt when I applied for this offer and to my surprise was approved! Fast forward to a few months later and my credit rating is now over 700 due to making on-time payments with the card! Thank BOA! I owe you a beer or five!” – Stevie L. Boston, MA

It was a cold day in December 2018… I went out to my mailbox and ripped open another run of the mill credit card offer… Little did I know my life would forever change on that day! After getting approved for the Bank of America credit card on 1/12/2019 I used the card to sign up for a dating app called Bumble. I went on a date a few days later with my future wife! We are now happily married with 1 child! Thank you BOA!” – Tony M. Des Moines, IA

Three words… get this card!… nuf said bruh” Peter F. Miami, FL


Related: Best Credit Card for Foodies! (this is a must-read for people who like to eat out!)


 

Customer Service

Any questions in regards to the BOA My New Card promotion can be directed to toll-free 1.800.932.2775.

 

Othe=r Credit Cards to Consider

Capital One Card Offers

Some of the best card offers on the planet… and yes this includes the Capital One Savor card!

 

Chase Slate

Invitation Number 0% intro APR Card Offer

 

Credit One Bank Card

Designed for consumers with less than ideal credit and need a helping hand.

 

Final Thoughts and Review

Based on reviews and our personal experience we highly recommend this credit card from Bank of America.

The only thing we don’t like is the cap they put on rewards each quarter but we haven’t met a credit card that doesn’t have a cap.

Review: 8 out of 10

Credit One Increase Credit Limit Request (How Often Does Credit One Give Increases)

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www.creditoneincrease.com

How Often Does Credit One Give Increases?

This is the million-dollar question that we receive at a minimum of 5 times per week from Credit One Bank customers!

Please visit www.creditoneincrease.com to make the request (follow the on-screen instructions to a tee for the best chance of approval).

If you follow the directions and show you have made on-time payments along with an increase in monthly wages your odds of an increase are sky high!

 

Credit One Increase

  • Request a credit limit increase associated with a Credit One Bank credit card
  • CreditOneIncrease.com is operated by Credit One Bank, N.A.
  • A credit limit increase is a good way to help increase a credit rating
  • A credit line increase is not guaranteed and will mostly depend on income

Although the Credit One cardholders account is automatically reviewed for credit line increase eligibility the customer can still place a request for a credit line increase without notification.

 www.creditoneincrease.com

In order to do so simply visit www.creditoneincrease.com and sign into a Credit One account.  Then select ‘Settings’ in the site menu or at the top of most pages. Then, just locate ‘Credit Line Increase‘ to get started.”

CreditOneIncrease.com Request Instructions

  1. Talk the wife into letting you apply for a credit limit increase
  2. If she says yes (which is a BIG if) navigate to www.creditoneincrease.com)
  3. Sign in to your account online and select ‘Settings’ in the site menu
  4. Click on ‘Credit Line Increase’
  5. Provide required information as instructed
  6. Cross fingers and hope for an increase

Credit One Increase Request

Credit One credit cards are designed for consumers with less than perfect credit looking to increase their credit score.  The Credit One Platinum card even comes with a rewards program that allows the members to get 1% cash back on eligible purchases (a reward program is uncommon for these types of credit cards).  Credit One Bank credit cards are also the official card of Nascar.

Consumers who have not applied for a Credit One Bank credit card but would like to check their qualification status can visit www.creditonebank.com/pre-qualification and provide the required information to find out if they qualify.

CreditOneIncrease Mailing Addresses

  • Payments: Credit One Bank, Payment Services, P.O. Box 60500, City of Industry, CA 91716-0500
  • General Correspondence: Credit One Bank P.O. Box 98873 Las Vegas, NV 89193-8873
  • Issues in regards to a bill or statement: Credit One Bank P.O. Box 98872 Las Vegas, NV 89193-8872
  • Credit Protection: Credit One Bank P.O. Box 740237 Atlanta, GA 30374-0237

CreditOneIncrease

Other Cards To Consider

Get My Ollo Card

A great card for consumers looking to rebuild their credit score (aka lives) via on-time credit card payments.

MyMilestone Credit Card

Another great card for purchases and cash advances anywhere you see the MasterCard logo, at over 33 million locations in 210 countries.

 

Bottom Line Credit One Increase? (how often)

How often will Credit One provide an increase in your credit limit?

There is no magic number but on average based on the research and consumers we have spoken with you will want to apply for an increase every 6 months.

 

Any questions in regards to the Credit One Increase Request service can be directed to 1-800-752-5493 between the hours of 5 a.m. to 9 p.m. Mon – Fri and 6:30 a.m. to 5 p.m. Sat & Sun (All Times Pacific).  Customers who are lucky enough to have a Credit One Bank credit card already and just need to access their account via automated services can dial 1-877-825-3242 (toll-free).

  1. www.creditoneincrease.com
  2. www.creditonebank.com/OfferID
  3. www.creditonebank.com/customer-service

Sun Trust Activate My Card and Login (Ultimate Guide and Review)

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suntrust.com/activatemycard

Suntrust Card Activation Guide and Reviews

So you have made the decision to add a Suntrust card to your wallet.

Good for you! But now you must go through the bothersome part of activating it at suntrust.com/activatemycard.

Lucky for you the activation process is super simple and is over faster than a jackrabbit on a date (whatever that means).

Please be sure to have the card in question on hand during the activation process or you may find yourself having to call the Suntrust customer service department (and no one wants to do that).

 

Activate Sun Trust Credit Card

  • Activate a Sun Trust Credit Card online
  • SunTrust.com/ActivateMyCard is owned and operated by Sun Trust Bank who is proud member FDIC
  • The activation process is quick and super simple (even a caveman could do it)

All Sun Trust Credit Cards require the applicant to be a legal resident of the United States who are 18 years of age or older.  Sun Trust Credit Cards are designed for consumers with a good to great credit score and an annual income of $50,000 or more.

In order to activate a SunTrust credit card please visit www.suntrust.com/activatemycard and provide the required information as instructed.  Any questions in regards to SunTrust.com/ActivateMyCard can be directed to toll-free 1-800-SUNTRUST from 8 am to 6 pm Monday to Friday.

 

Customer Reviews (from real Suntrust Customers)

The activation process was as simple as pie and took me less than 1 minute to complete online” – Sally Q New York, NY

I was told the Suntrust credit card activation process was annoying at best and I should clear my entire weekend to accomplish this task! Biy was I misinformed! It took me exactly 34 seconds to activate my card online… easy as cake!” – Jack D. Austin, TX

The activation process was neither easy nor hard. I would give it a solid C in terms of ease and difficulty level.” Joe A. Dallas, RX

 


Related: Best Credit Cards For Restaurants (aka people who like to chow down!)


 

SunTrust.com/ActivateMyCard Highlights and Lowlights

  • Designed for Sun Trust Credit Cards only
  • Sun Trust Credit Card holders can also dial the toll-free number of their welcome package in order to activate the card in question
  • The toll-free activation number should be on a sticker attached to the credit card

What type of credit cards are offered by Sun Trust?

  • Cash Rewards Credit Card (best for money-hungry consumers)
  • Travel Rewards Credit Card (ideal for those who love to travel… for work or play!)
  • Prime Rewards Credit Card (designed for consumers with less than ideal credit)

The SunTrust Cash Rewards Credit Card provides 5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases in the first 12 months and no annual fee.

The Travel Rewards Credit Card provides $250 Statement Credit after you spend $3,000 on qualifying purchases in the first three months after account opening BUT comes with a NASTY $89 annual fee after the first year.

The SunTrust Prime Rewards Credit Card offers a $100 statement credit after spending $500 within the first 3 months and NO ANNUAL FEE :).

 

Suntrust Card Bottom Line

The activation process with Suntrust credit cards is super easy. The only downfall is they don’t exactly offer the best credit cards on the planet.

Yes to the activation process… No to the credit card.

 

Suntrust Bank Sources

  1. www.suntrust.com/activatemycard
  2. www.suntrust.com/credit-cards