$6,000 IRA Contribution Goal 2022 Final Results: $6,259+ in Total Bonuses

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

2022 Year-End Update. Each year, I have a side goal of earning the equivalent of the maximum annual IRA contribution limit ($6,000 for 2022) using the profits from various finance promotions alone. In 2021, I reached $5,592 in bonuses and $2,500+ in extra interest. If you had put $6,000 into your IRA every year for the recent 10 year period (2013-2022) and invested in a simple Target Date retirement fund, you would have turned small, weekly deals into a $87,000+ nest egg.

That’s worth repeating: An extra 87 grand has been the real-world result of regularly investing $500 a month for 10 years! A couple could double these numbers.

Ground rules: Real-world results for one real person only. Following with My Money Blog tradition, this will track my personal, real-world results. It would be quite easy to list a bunch of random promotions that add up to $6,000, but these will be promotions that I personally sign up for and complete the requirements (even though I’ve already opened so many bank accounts, credit cards, and brokerage accounts over the years). I will track my individual results only, although my partner does also participate on a more selective basis. Nearly all of them have been documented in real-time in the Deals and Offers category, Top 10 credit cards list, and brokerage bonus list.

Note: I am also excluding the $900 bonus from Chase Ink Business Cash card, since it is meant for small businesses.

2022 bonuses and promotions list. The 💵 symbol means I have received and/or cashed out the bonus successfully. The ⌛ symbol means the promo is still in progress.

Bonuses that required significant assets to max out (but not necessarily participate)

2022 final results. The total tally for bonuses not requiring significant assets was $6,259 total for 2022, which was 104% of the $6,000 annual IRA contribution limit for 2022. This excludes the three bonuses (Public, SoFi, and Ally) that paid out bigger bonuses for larger asset transfers or cash deposits. I acknowledge not everyone has enough assets to max those out, but they were certainly an efficient use of time if you did. If you add in the $3,500 that I received from those bonuses, the total would be $9,759.

Additional background stuff. This is a personal challenge/game that I like to play. I enjoy trying out new apps and services. I look for the best payoff/effort ratio for my situation; your choices won’t look like my choices. In addition, some things I will skip simply because I’ve already done them. For those new to this hobby, I would first grab the low-hanging fruit like the Chase Sapphire Preferred or the Chase Sapphire Reserve and build up a nice stash of flexible Ultimate Rewards points. After that, I would recommend looking at the Citi Premier (ThankYou points), Capital Venture X (Capital One Miles), and American Express Gold (AmEX Membership Rewards points) to jumpstart your points stashes.

These numbers included fixed bonuses for short-term asset transfers, but ignore higher interest rates overall from buying US Treasury bonds or savings bonds. They also ignore ongoing credit card purchase rewards like 2% to 2.6% cash back on all credit purchases (or airline miles or hotel points) and 5% cash back on specific categories or 1% or better cash back on rent.

This is an enjoyable and profitable hobby for me, but I don’t like to waste my time either. I look for a solid return based on the time commitment required. I tend to avoid speculative bets, bonuses that are hard to convert to real value, and anything that requires driving to stores where things may or may not be in stock. The deals that I post usually last at least a few days, but it’s a bit like value investing where you have to be ready to get off your butt and take decisive action when an opportunity shows up, because they won’t last forever.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Paper Savings Bonds: Pay w/ Credit Card by 1/17, Use Tax Refund To Increase Purchase Limit by $5,000

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

As inflation spiked, so did interest in purchasing inflation-linked Series I Savings bonds. Some folks have been going to extra lengths to increase their ability to purchase them, buying savings bonds for kids, trusts, LLCs, corporations, and so on. One of the more direct ways to increase your annual purchase limits is to use IRS Form 8888 when filing your taxes this year, which allows you to use your tax refund to purchase up to $5,000 in paper Savings Bonds each year. This is on top of the $10,000 annual limit on electronic savings bonds per person at TreasuryDirect.

Of course, that means you need to have a refund when you file your taxes. You’ll need to estimate your tax liability, and if needed, you can make an overpayment on your federal tax withholding to ensure you have the refund size you want. The deadline for 2022 4th Quarter estimated tax payments is Tuesday, January 17th, 2023.

You can make a direct payment via credit or debit card via various official processors. The processing fee starts at just 1.85%, which means that as long as you have 2% cash back rewards card or better, you can actually come out slightly ahead. Even better, paying $4,000 in taxes would satisfy most of the spending hurdles on big credit card bonuses worth well over $500. Two birds, one stone.

You can also make a direct payment via your bank account at EFTPS.gov or IRS DirectPay.

Right now is the best window, as it minimizes the time between paying the taxes and receiving your paper savings bonds. Filing your taxes earlier will also shorten that window. If you wish, you can later convert those paper savings bonds to electronic form at TreasuryDirect.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Citi Premier Card: 60,000 ThankYou Points (Worth $600 in Gift Cards, 60,000 Miles, $600 Airfare Offset, $480 at Amazon, More)

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

The Citi Premier Card is an improved rewards credit card with the ability to transfer points to airlines miles as well as an added $100 annual hotel savings benefit. Right now, they have a sign-up bonus offer of 60,000 bonus points (redeemable for $600 in gift cards at thankyou.com, as well as a variety of other options) Here are the highlights:

  • 60,000 bonus ThankYou points after $4,000 in purchases in the first 3 months
  • Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi TravelSM portal through June 30, 2024.
  • 3X points at Supermarkets
  • 3X points at Restaurants
  • 3X points on Gas Stations, Air Travel, and Hotels
  • 1X points on all other purchases
  • $100 Annual Hotel Savings Benefit
  • Points Transfer allows you to transfer points to participating airline and hotel loyalty programs
  • No foreign transaction fees
  • $95 annual fee.

Citi has added a handy tracker that lets you know if you’ve satisfied the spending hurdle to qualify for the bonus points. Look for it in your online account in the ThankYou points section (click on “View/Redeem” ThankYou points and then scroll down a bit). Here’s mine:

Note the following fine print which mentions other ThankYou-related Citi cards:

Bonus ThankYou® Points are not available if you received a new cardmember bonus for Citi Rewards+®, Citi ThankYou® Preferred, Citi ThankYou® Premier/Citi Premier® or Citi Prestige®, or if you have closed any of these accounts, in the past 24 months.

$100 Annual Hotel Savings Benefit details.

Once per calendar year, enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through thankyou.com or 1-800-THANKYOU (powered by cxLoyalty) and subject to the additional requirements stated below. For speech or hearing impaired TTY: Use 711 or other relay service. To receive the $100 annual hotel savings, you must pre-pay for your complete stay with your Citi Premier Card, ThankYou Points, or a combination thereof. If you choose to use the benefit, the $100 annual hotel savings will be applied at the time of booking.

60,000 ThankYou points = $600 in gift cards. You can view your redemption options at ThankYou.com. I took a quick look and it takes 10,000 ThankYou (TY) points to redeem for a $100 gift card to retailers like Target, Starbucks, TJ Maxx, Lowe’s, Home Depot, Gap, Banana Republic, Barnes & Noble, Bath and Body Works, Bed Bath & Beyond, Cabelas, Kohl’s, Land’s End, LL Bean, Sears, and Zappos. So with 60,000 TY points, you could get 6 x $100 gift cards (or 24 x $25 gift cards) from different stores (handy for gifts), or all from the same store. You may also be able to find options to send a check towards your mortgage payment and/or student loan payment.

Personally, my default redemption is for Home Depot and/or Lowe’s. As an owner of an older house, there is always an appliance or home-improvement purchase around the corner. Target is another useful option.

Hotel points and airline miles transfer options. Citi ThankYou points are also now available to transfer to certain airline mileage programs on a 1:1 basis including JetBlue TrueBlue, Virgin Atlantic, Singapore Airlines, Cathay Pacific, EVA Air, Etihad, Flying Blue by Air France and KLM, and Thai Airways.

For example, 60,000 ThankYou points can be transferred to 60,000 JetBlue TrueBlue points, which can then be redeemed free airfare at a ratio that varies between 1.1 cents per point and 1.6 cents per point. Even if you are conservative, this still works out to over $660 in JetBlue airfare.

Alternatively, 60,000 TY points can also get you 60,000 Singapore Airlines KrisFlyer miles. If you know how to redeem these points wisely and like to fly in international business class, you can get a lot of value. For example, Singapore Airlines has some very nice award options and great customer service.

Amazon and Best Buy. You can also use the “Pay with Points” features at Amazon and Best Buy, but you will only get 0.8 cents per ThankYou points in value at Amazon. For example, 60,000 ThankYou points will offset $480 in Amazon.com purchases.

Airfare booked through Citi ThankYou Travel Center. You can also redeem ThankYou points for 1 cent per points value towards airfare booked through the Citi ThankYou Travel Center at ThankYou.com. For example, 60,000 ThankYou points will offset $600 in airfare booked through the Citi ThankYou Travel Center at ThankYou.com. This is a travel portal similar to other airfare comparison sites, so you can book basically any seat on any airline using this method and still earn frequent flier miles on the flight.

Bottom line. The Citi Premier Card is a rewards travel card with 3X points on restaurants, supermarkets, gas stations, air travel and hotels, along with a $95 annual fee. Currently, new cardholders can get a sign-up bonus of 60,000 ThankYou point that can be redeemed in a variety of ways.

I have applied for this account as part of my Free IRA Goal for 2022. I will be adding this to the Top 10 Best Credit Card Bonus Offers.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Equifax Data Breach Settlement Payouts Being Sent (Check Your Junk Folder) + Ongoing Benefits Reminder

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Update December 2022: You may not even remember that you filed a cash claim in the 2017 Equifax Data Breach Settlement, but the payments are finally being sent out. I nearly deleted the email as it ended up in my Junk Folder.

The settlement administrator has begun sending out payments for out-of-pocket losses, time spent claims, and other cash benefits. You will get your payment in the method you chose—by check, prepaid card, or PayPal payment.

Legitimate emails about the settlement will come from Equifax Breach Settlement Administrator (info@equifaxbreachsettlement.com).

Despite the information from that link quoted above, mine was from “Equifax Breach Settlement” and the email “EquifaxDataBreachSettlement@hawkmarketplace.com”. I also could not open the redemption link in my Chrome browser. It’s almost like someone doesn’t want you to claim the money… I got $21.06 via prepaid card and promptly used it to reload my Amazon gift card balance.

In addition, here is my previous post about the other ongoing benefits from the settlement:

Although the deadline to file a claim for the huge 2017 Equifax Data Breach Settlement has now passed, here is a quick reminder that there are still ongoing benefits available, including the ability to get a free credit report every other month:

Six (6) free Equifax credit reports per year. All U.S. consumers can now get 6 free credit reports per year through 2026 by visiting the Equifax website or by calling 1-866-349-5191. This is in addition to the one free Equifax report (plus your Experian and TransUnion reports) you can get every rolling 12 months at AnnualCreditReport.com.

Free identity restoration services. For at least seven years, you can get free identity restoration services. If you discover misuse of your personal information, call the settlement administrator at 1-833-759-2982. You will be given instructions for how to access free identity restoration services.

Reimbursement for identity theft expenses. You can still file a claim for any expenses you incur between January 23, 2020, and January 22, 2024, as a result of identity theft or fraud related to the breach, such as:

  • Losses from unauthorized charges to your accounts
  • Fees you paid to professionals, like accountants or attorneys, to help you recover from identity theft
  • Other expenses you incurred while recovering from identity theft, like notary fees, document shipping fees, postage, mileage, and phone charges.
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Citi Double Cash Card: 2% Cash Back on All Purchases

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

The Citi® Double Cash Card is a popular rewards credit card as it offers 2% flat cash back on all purchases, not just specific categories. As of March 2022, $1 in cash back rewards is also 100 Citi ThankYou points for potentially even better reward redemptions (details below). For example, if you value a Citi ThankYou point at 1.5 cents per point (by using the Citi Premier card and redeeming them as airline miles for free flights), then that is effectively get 3% value back! I’ve had this card for years.

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • No annual fee.

There is a 0% APR balance transfer offer available, but I must warn you that if you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Cash back details. Imagine you make a $100 purchase. 1 point per $1 spent is 100 points. You pay the $100 bill from your bank account, and get an additional 100 points. Final tally: 200 points = $2.00 back on $100 in purchases. In other words, still 2% cash back.

There is no longer a minimum redemption amount of $25 for direct deposits into your bank account or statement credit ($5 minimum for paper check). You can redeem as little as 1 point for 1 cent, cashing out down to the penny.

You can redeem for cash via statement credit, direct deposit to your bank account, or a paper check. The direct deposit works with any Citi bank account or verified non-Citi bank account. In the past, this just meant that you made two successful credit card payments from your non-Citi bank account.

Citi ThankYou point details. Since $0.01 in cash back rewards is the same as 1 Citi ThankYou point, it is very valuable that Citi lets you combine Citi Thankyou points across cards. From their FAQ:

Can customers combine points from multiple Citi accounts?
Absolutely, as long as all the Citi Accounts are owned by the same person. If they have one (or more) Citi credit cards participating in ThankYou® Rewards, Citibank consumer checking account and other linked banking products and services, an enrolled Citi Corporate Travel & Entertainment Card, they can combine the associated ThankYou® accounts into 1 ThankYou® Account. Please note that if they combine their ThankYou® Accounts, points are not separated based on which Citi Account they were earned and are displayed as a total among all Citi Accounts.

If you have the Citi® Double Cash Card AND the Citi Premier Card:

  • By having the Citi Premier Card, you can transfer the ThankYou points earned on the Citi Double Cash to participating airline mileage programs on a 1:1 basis including JetBlue TrueBlue, Virgin Atlantic, Singapore Airlines, Cathay Pacific, EVA Air, Etihad, Flying Blue by Air France and KLM, and Thai Airways.
  • By having the Citi Double Cash, you can cash out the ThankYou points earned on the Citi Premier Card (which has the special feature of paying 3X points at Supermarkets, Restaurants, Gas Stations, Air Travel, and Hotels).

If you have the Citi® Double Cash Card AND the Citi Rewards+ Card:

  • By having the Citi Rewards+ Card, you get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year. For example, if you earn and redeem 20,000 ThankYou points, you’ll get 2,000 points rebated back to your account.
  • The Citi Rewards+ Card automatically rounds up to the nearest 10 points on every purchase, so for example a $1 parking charge or $2 cup of coffee can earn 10 points. ).

If you have the Citi® Double Cash Card AND the Citi Custom Cash Card:

  • By using the Citi Custom Cash Card, you get 5% cash back (5X Thank You points) on your top eligible spending category up to $500 spent each monthly billing cycle. (The Citi Double Cash card does not have any special categories.)
  • By using the Citi Double Cash, you get 2% cash back (2X Thank You points) on all other purchases. (The Citi Custom Cash card only earns 1% cash back on all other purchases.)

You can combine all of your various ThankYou points account into one account by calling Citi ThankYou at 800-842-6596 or the number on the back of your card. Alternatively, you can try it online by logging into your ThankYou account and clicking on “Points Summary” in the top right corner where it says “Hi [Your Name]”. See below:

As you can see, Citi has been steadily improving their ThankYou point program to make it more rewarding to hold multiple Citi credit cards. It is good for the consumer to have competition with Chase Ultimate Rewards, American Express Membership Rewards points, and Capital One Miles.

Bottom line. The Citi® Double Cash Card lets you earn 2% cash back on all purchases: 1% when you buy plus 1% as you pay. Everyone should have a 2% cash back card in their purse/wallets, even if they have other cards with higher cashback in specific categories. I’ve had this card for several years now. You can also convert $1 in cash back into 100 Citi ThankYou points, which offers additional flexibility and potentially more valuable redemption options when combined with other Citi rewards cards.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Reader Question: Credit Card Bonuses, Paying Annual Fees, and FICO Scores

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Here’s a reader question via email that comes up pretty regularly, and I’m surprised that I don’t have a dedicated post answering it. So here it is! 😁

Hi Jonathan,

I have been following you for a long time and appreciate your work. One question, for the credit cards that have an annual fee do keep them and pay the fee or do you cancel them before the fee is applied? I wa just approved for the citi premier card.

For most new credit cards with big bonuses, if the annual fee is not waived for the first year, it will be charged immediately on your first billing cycle. So with the Citi Premier card, you should see a $95 charge in your first monthly statement. You can’t avoid it if you want the sign-up bonus. Of course, the good news is that the sign-up offer is worth over $800. Now, after 12 months, another annual fee will be charged. What then?

I view credit card bonuses as a paid trial. The credit card issuer wants to make me their customer, in the hopes of making profits (transaction fees, interest, fees, etc) by providing me a service. As a consumer, I am lazy and don’t really want to go through the hassle of applying for a new credit card. I certainly wouldn’t do it for free. Therefore, the credit card issuer must offer an incentive. What do I owe the credit card issuer? I agree to give them a chance to earn my business by testing out the features for a full year.

Is it ever worth it? Yes, there are several credit cards that I have kept for at least another year and paid the annual fee because they earned my business. I felt the annual fee was worth it. As my professional and travel habits changed, some cards were dropped and others were added. Here are a few past and present examples:

Don’t think it’s worth it? Other times, it’s not worth it or circumstances change. Again, I usually wait a full year until the next annual fee is charged onto my statement. Then, I call them up and either ask to cancel or tell them directly the annual fee is too high and I don’t want to pay it.

  • They might directly offer to waive the annual fee for another year.
  • They might offer some sort of mini-hurdle like spend $1,000 on the card in 60 days and they will credit back the annual fee.
  • They might offer to downgrade to another card version with no annual fee.
  • They might offer you nothing and cancel your card on the spot.

If they close the account, that’s fine. I gave them a shot. End of agreement.

Still worried? The issue underlying this question is usually this: Doesn’t closing a credit card hurt my credit score?

For me, the answer is no, at least not enough for me to notice. For others, the answer is a bit more complicated. This post is old but still valid – How Opening and Closing Credit Card Accounts Affects Your Credit Score.

Here’s the short version: Closing a credit card will affect the following two factors in your credit score: Credit utilization ratio (percent of total available credit used as debt) and average age of accounts. So if the credit card in question has a credit limit of $10,000 and your only other credit card is brand new with a $500 limit, then closing it will likely lower your score quite noticeably. If you have multiple credit cards with a few years of history, pay off your balance each month, and don’t close the oldest credit card, then the effect will be much smaller.

If you think about it, you need to open up multiple credit cards over time in order to eventually build up a durable credit utilization ratio and average age of accounts. Otherwise, you’ll always be one forced/arbitrary account closure away from a credit score drop. Over time, I have multiple accounts that are decades old and no new credit card is ever more than 10% of my total available credit, so I don’t worry at all about closing a card that I don’t want anymore. If you are brand-new to credit, then you may wish to tread more lightly and find some quality no-annual-fee cards to open and keep to build up your credit profile.

Photo by Avery Evans, Unsplash

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Discover Card Free Online Privacy Protection Review (Delayed Success!)

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Follow-up: Although the initial scan did not find any hits (even though my data was on the sites), a subsequent scan did a better job and Discover removed my data from 33 different hits from the 10 people search sites. I randomly spot-checked them and confirmed that my information was removed. For a free service that didn’t take up my time, I am happy with this result. I would now recommend opting in and being patient. Screenshots below:

Full review:

Discover is offering their credit card and banking customers a new free service called Online Privacy Protection (press release). Essentially, it automatically submits opt-out requests at 10 selected “people search sites”. These are creepy websites that scrape your personal information from many different publicly-available databases and then makes money by selling access. I wrote about these invasive sites previously and you may be surprised at how much information about you is floating around out there – your age, current and past addresses, phone numbers, and the names of your parents, siblings, children, cousins, and in-laws.

Once catch is that you must access this feature via the Discover app. They are still rolling it out, so it may not be available to everyone yet. I used the QR code from the link and it seemed to find it directly after installing the app.

Initially, after signing up for the service, I was disappointed that my May 2022 scan didn’t find my name on any of the databases. I was hopeful that was because I already opted out of several of these sites manually a few years ago. However, I manually checked and did find some of my information some of the sites. So the service is not perfect.

Here are the ten sites they mention, although there are more out there (not linked on purpose):

  • Addresses.com
  • AnyWho.com
  • InstantCheckmate.com
  • InstantPeopleFinder.com
  • Intelius.com
  • Spokeo.com
  • TruthFinder.com
  • USSearch.com
  • YellowPages.com
  • ZabaSearch.com

The scan occurs every 90 days or so. On my August 2022 scan, the app did find a bunch of hits (often multiple profiles at the same site with similar info) and went to work removing my data. I manually spot-checked a few of them and am happy to report that my information was indeed removed.

I would recommend signing up for this service now, with the knowledge that a little patience may be required.

I mainly use my Discover card for the 5% cash back categories and the occasional Amazon Pay with Points promos, but I do appreciate these side efforts. Besides being one of the first to offer a free FICO score, they also have a free Social Security and Experian credit inquiry alert service.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Capital One Cardholders: Free Global Museum Tickets via The Cultivist

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Capital One credit cardholders can get 6 months of free access to 100+ museums worldwide via The Cultivist (valid for cardholder & up to three guests). Visit thecultivist.com/capitalone and input the 16 digits of your eligible Capital One credit card in the checkout process to receive 6 months of complimentary Enthusiast level membership (usually $40 a month, so technically a $240 value).

The Membership Offer is only available to Capital One cardholders, age 18 or older, with an eligible U.S.-issued, Capital One branded, consumer or small business credit card (“Eligible Capital One Cardholders”). Limit one Membership Offer per Eligible Capital One Cardholder. Offer provides one hundred eighty (180) days of complimentary membership for the enrolled Eligible Capital One Cardholder in ‘The Enthusiast’ level of membership with The Cultivist (the “Membership Offer”).

Warning: The ongoing monthly membership fee of $40 will be automatically billed after complimentary membership expires. Set a calendar reminder. You may cancel at any time. Since it only lasts for 6 months, you may wish to delay the activation of your 6-month free membership until later and also allowing you to cancel earlier.

Here is their full Museum list. The list is subject to change, but here are just a few examples:

  • New York City – Guggenheim and The Met
  • San Francisco – SFMOMA
  • Chicago – Art Institute of Chicago
  • London – National Portrait Gallery
  • Paris – Louvre (7-day advance notice) and Musee D’Orsay

Even a single museum visit can save your household a good chunk of money. For some museums, you just have to show your Cultivist membership card at the entrance. For others, you must contact them and have them issue free, skip-the-line tickets for you. There are reports that they are a bit overwhelmed right now, so definitely put in your request as early as possible. Pack your patience, but if urgent consider giving them a phone call them to expedite.

If you have any sort of Capital One consumer or small business card, you can input your 16-digit card number and see if it works. Looks like I can wring yet another benefit out of my Capital One Venture X Rewards card! 🤑

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Bank of America Free Museum Tickets Nationwide 2022 Dates

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

The next eligible Museums on Us weekend is August 6th & 7th. Bank of America is running their Museums on Us program again for 2022, which offers debit and credit cardholders free admission to 225+ museums, science centers, and botanical gardens nationwide on the first full weekend of every month (Saturday and Sunday). Each person just needs to show their valid Bank of America or Merrill Lynch credit or debit card and photo ID for free admission.

Each individual cardholder gets ONE free general admission for themselves only, so be sure everyone with their own BofA cards brings them. If you have a BofA credit card, you may consider adding family members (of any age) as a free authorized user. Another option is to open a Kids Savings Account with no monthly fee and also comes with a debit card. You may need to open this in a physical branch.

Remaining 2022 Calendar Dates (Check specific museum for hours)

  • August 6-7
  • September 3-4
  • October 1-2
  • November 5-6
  • December 3-4

Here is the full list of participating locations. Excludes fundraising events, special exhibitions and ticketed exhibitions. One of the available museums is the Thinkery in Austin, Texas. We found it to be a fun and interactive children’s science center. The admission was $12 per person including kids (23 months and under free), which means this could have saved our family of five $60 for that one day. I’ve seen other museums on their list with $20 admission prices.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


SoFi Personal Loan $300 Bonus (No Fees)

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

SoFi is offering a $300 personal loan bonus via referral if you take out a SoFi Personal loan offer, which has a minimum amount of $5,000. SoFi charges no fees, so no application fee, no origination fee, no prepayment (early payoff) fee. You will get a hard pull on your credit report.

If you wanted, you could get the $5,000, pay a day or two’s worth of interest (a few dollars), and then pay off the loan completely. Take the $300 bonus into your SoFi Checking and Savings account (which has its own $325 bonus) and walk away with a tidy profit.

Here is the rate I was offered during the pre-approval process. You can see the rate before proceeding with the application (before the hard credit check).

Note the additional fine print:

Offer not available to residents of Vermont or Ohio. You must keep your loan active and in good standing for at least 90 days to receive the $300 bonus.

The easiest way to manage this with minimum interest paid is to pay down as much of your loan as possible (i.e. make a one-time $4,985 payment) and leave a small balance of $15 to keep the loan active and good standing. Don’t pay it completely off until 90 days have passed. Also, don’t leave $10 or less balance because they may either make that the minimum payment or even “forgive” you the rest which will end up with the loan being closed early. This only costs you a tiny bit in extra interest.

(Note: There was a limited-time $600 offer sent to SoFi users in the past. Some comments below may refer to this previous offer.)

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Coinstar Bitcoin ATM Review: Buy $100 BTC, Get $15 BTC Promo, But Still a Pass

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Coinstar kiosks count your physical coins for you and take a pretty big 11.9% cut, unless you redeem for a gift card (where they still get a cut from the retailer). Walmart and Amazon are my favorite options, although I usually save up my coins for their occasional bonus promos. I just received this peculiar $15 BTC promo from them:

Curious about crypto? Try purchasing at a Coinstar Bitcoin ATM powered by Coinme. Through June 30, 2022, when you create a new Coinme account and purchase $100 or more of crypto at a Coinstar Bitcoin ATM you’ll get $15 in bitcoin!* Use the promo code CoinstarBTC and be sure to use the same email address when you create your new Coinme account.

Purchasing crypto at a Coinstar Bitcoin ATM is simple:

– Create a Coinme account
– Find a Coinstar Bitcoin ATM
– Purchase a crypto voucher with cash (coins are not accepted for crypto transactions)
– Redeem your voucher to instantly claim crypto with Coinme

Did you catch that? You can’t buy Bitcoin with physical metal coins. Even at a Coinstar kiosk, of all places! Why not? How are paper bills somehow different??

*Terms apply. Valid for new Coinme accounts only. The $100 crypto purchase must be made in a single transaction at a participating Coinstar location using your Coinme account. This offer begins May 16th and ends June 30th, 2022. If a qualifying purchase is made during the offer period, $15 in BTC will be deposited to your Coinme wallet within seven (7) business days of purchase. See Official Rules for more details.

In addition, there are some serious fees:

Each crypto purchase carries a transaction fee of 4% and a cash exchange fee of 7%.

So you put in $100 in paper bills (don’t even get to return coins back into circulation), only get $89 of Bitcoin plus $15 of bonus Bitcoin, but then when you sell you have to pay another fee. All this along with BTC high price volatility. And you have to sign up for another crypto broker. Pass.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.


Mastercard Free ID Theft Protection and Credit Monitoring

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Update April 2022: Just a quick update that this has been a useful, additional free identity theft protection service. Today, I electronically signed some “power of attorney”-type papers through Docusign and they had me answer some identity verification questions like “which address have you been associated with?” that pulled from my credit reports and driver’s license data. Immediately, I got the following alert from Mastercard Identity Protection that even included the exact questions asked:

Previously, this service has also alerted me that my personal information like name/email have been found in data breaches from random websites like autoexpresscars.com and drivesure.com. These are all events that did not trigger any alerts from my other credit bureau-based monitoring services. Therefore, I feel signing up for this additional free service rounds them out. Services like Docusign are useful but open you up to potentially more severe cases of fraud.

Original post:

Data breaches are scary fact of life these days. If you have a Mastercard, did you know that they offer a Mastercard ID Theft Protection service to cardholders for free? If you activate it, Mastercard has paid on your behalf for a private-label identity theft protection service provided by Generali Global Assistance, Inc. (GGA). The same way that Safeway doesn’t actually make their generic version of Cheerios, Mastercard has outsourced this service. Thanks to reader Bill P for the tip.

Services are provided by Generali Global Assistance, Inc. (GGA), one of the largest providers of private-label identity protection services in the United States. GGA has handled thousands of identity-related cases and has protected millions of customers since it began offering the service in 2003. GGA’s in-house identity theft resolution specialists are certified identity theft risk management specialists – CITRMS® certification by the Institute of Consumer Financial Education (ICFE) and FCRA-certification (Fair Credit Reporting Act by the Consumer Data Industry Association).

You’ll receive an alert if there’s a change to your TransUnion credit report (e.g., new inquiries, new accounts, updated personal information by creditors). That’s nice, but I already get more comprehensive coverage from all three bureaus than this from my combination of Credit Sesame, Credit Karma, and FreeCreditScore.

The difference that caught my eye was their emphasis on full-service, human help if you do become a victim of identity theft. Emphasis mine:

This program is designed to help protect you from identity theft and provide full-service, hands-on assistance in the event of an incident. Studies have shown that the largest cost to victims of identity theft is lost time and stress associated with figuring out how to restore their identity, including replacing cards and documents while communicating with creditors to dispute fraudulent activity. In the event of an incident, we will assign you with a personal case manager to help you resolve issues, saving you countless hours and reducing the stress associated with identity theft.

Their package of services includes: identity theft affidavit assistance and submission, creditor notification, dispute and follow-up, 3-bureau fraud alert placement, inform police/legal authorities, placement of credit freeze and opt-out services provided by certified identity theft resolution specialists.

These could be hollow claims, but hopefully they are truly helpful in taking care of these things on your behalf. If you have a Mastercard, it may be another worthwhile service to add to your defenses.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.