Tips, Tricks & Tactics: Why I Product Changed to a Discontinued Credit Card with No Initial Bonus

I just executed what is known as a product change, where you exchange one credit card for another from the same issuer. Specifically, I product changed from a Citi Double Cash Card to a Citi AT&T Access More Card, a discontinued card that I cannot receive an initial bonus from (which PREVIOUSLY was a $650 credit towards a new AT&T cell phone). Why? Well, I’m glad you asked.

Citi AT&T Access More (Master)Card. Image Credit: courtesy of Citi, mastercard and AT&T.

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Review: Citi Prestige Card (World Elite MasterCard)

The Citi Prestige Card is the heavy hitter in the Citi ThankYou Points card lineup. It was specifically designed to benefit frequent travelers that PAY for frequent medium length hotel stays. And you’ll see exactly how lucrative this card can be.

Citi Prestige Card (World Elite MasterCard)

Citi Prestige Card (World Elite MasterCard). Image Credit: courtesy of Citi.

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Review: (Chase) IHG Rewards Club Select Credit Card

This is arguably one of the best hotel cards you can get. Your initial spending bonus will be modest, and your earning potential will be modest. But for your paid annual fee of $49 (also modest), every year after your first, you will get a free night at any IHG property in the world. This includes InterContinental Resort & Spa Moorea, The Willard InterContinental in Washington D.C., InterContinental Paris Le Grand, InterContinental London Park Lane, and InterContinental Tokyo The Strings. In tandem with another IHG card, you and your partner got yourself a special getaway weekend, every year, for $98. Boom. But let’s take a deeper dive, shall we?

(Chase) IHG Rewards Club Select Credit Card

(Chase) IHG Rewards Club Select Credit Card. Image Credit: courtesy of Chase and IHG.

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A Word About Contests…

Remember the movie, Real Genius? There was that one guy that lived in the closet, Lazlo Hollyfeld, and he entered a sweepstakes contest as many times as he could and won 31.8% of the prizes, including the car. Yeah, that was pretty cool.

Lazlo Hollyfeld with multiple handwritten entries. Image Credit: courtesy of Real Genius directed by Martha Coolidge (1985), and TriStar Pictures.

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The Basics: an Introduction to the Major Credit Card Players

 

Credit cards have had a short but vital life in the US (and world) economic landscape. Not until 1958, with Bank of America’s Bankamericard, was a revolving credit financial system issued by a third-party bank finally established (to later become VISA in 1976). Things really took off from there. MasterCards’ early ancestor, Master Charge, popped up in 1966. Then Discover was introduced by Sears in 1986. And American Express introduced their first credit card in 1987 (after many years of being a charge card issuer where balances have to be paid in full every month). While I’m probably skipping over various important points in credit card history (which you’re not here for), here’s where the industry currently stands: Continue reading “The Basics: an Introduction to the Major Credit Card Players”

Review: First Hawaiian Bank Priority Destinations World Elite MasterCard

The First Hawaiian Bank Priority Destinations World Elite MasterCard is one of only two competitive rewards credit cards offered by the local banks. The other option being, of course, the Barclay (Bank of Hawaii) Hawaiian Airlines World Elite MasterCard. The value of Hawaii banks is steady, reliable, conservative, customer-friendly service. Which is absolutely great for your checking account. But we’re in search of outsize, aggressive rewards here. Still, if you’re looking for another local option, this would be it. 

First Hawaiian Bank Priority Destinations World Elite MasterCard

First Hawaiian Bank Priority Destinations World Elite MasterCard. Image Credit: courtesy of First Hawaiian Bank and MasterCard.

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