You would think that there are cards such as the AmEx Blue which gives you 5% cash back on the same category. However, the AmEx Blue is on a tier system whereas the 5% cash back will only kick in after $6500 in spending. The Chase Freedom Cash Visa Card has no such tier system.

It has no annual fee and 0% Intro APR. Length of your introductory period will be either 12 billing cycles from account opening for purchases or 6 billing cycles from account opening for purchases depending on our review of your application and credit history.

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The best thing about the Chase Freedom Cash Visa Card is you get your rewards in the form of cash and not points. I personally have the Chase Freedom Cash Visa Card and I highly recommend using it for everyday purchases.

The Free Checking includes free transactions at any PNC Bank ATM, non-PNC ATM fees reimbursed with a $2,000 average monthly balance, no minimum balance requirement and no monthly service charge, earn rewards with your enrolled PNC Bank Visa Check Card when you make a qualifying purchase, free Online Banking3 and Bill Pay.

Citi 10000 Bonus Points = $100 Gift Card

This citi link takes you to a list of credit cards. It’s the first card you see. Once you go through the link, there are two options: 1) The Citi PremierPass Card - Elite Level gives you 20000 bonus points after $600 in purchases made within 3 months of account opening. There is, however, an annual fee of $75. Lets do the math: $200 bonus - $75 fee = $125 profit. 2) The second option is the Regular Citi PremierPass card with 10000 bonus points after $300 in purchases. Here you don’t have to worry about cancelling the card since there is no annual fee.

Pentagon Federal Credit Union, or Penfed, is the third largest credit union in the country. With over $9 billion in assets and 714000 members, they offer some of the best Home Equity Loan, Home Equity Line of Credit, and Car Loan rate in the country. The best part is anyone can join!

If you are affiliate in any way with the military, then check this application page. However, people who has no affiliation with the military can become eligible by joining the NMFA association. Joining NMFA will cost you a one time fee of $20. There is no need to renew membership.

Start at your online application page, then join the NMFA and Penfed, and fund your account with $5 via credit card. You will select a PIN number, and then receive a membership number. You will receive all your membership info in three days to your address.

What is so special about PenFed? To start, they are offering 3.99% auto loans on all new and used vehicles. The loan terms can be as long as 72 months for new vehicle. If you are paying anything more than 3.99%, you should join Penfed right away and take advantage of the low rate. This can save you hundreds, if not thousands of dollars.

They are also offering 4.99% APR on Home Equity loans and Home Equity Line of Credit. There are no closing costs and the rate is fixed up to 240 months. If you have high credit card debts, then getting a HEL or HELOC might be the best way to go to save you money. This is not an excuse to spend more than you can afford. Go with my philosophy- Offense on making side income, Defense on everyday expenses.

$100 Starwood American Express Bonus

American Express has always been generous with their Starwood American Express card, because you can get 10,000 bonus points after your first purchase. This is good for a $150 ticket or a $100 Amazon gift certificate. Additionally, there is an extra 15,000 bonus points by spending $15,000 on the card within the first 6 months. The 25,000 points is good enough for a free airline ticket. There is an annual fee, but the fee is waived for the first year. Cancel the card within the first year if you don’t like the annual fee. For those in need of more bonus points, apply for the Business Starwood American Express Card for another 10,000 Starpoints after first purchase.

You must use real Direct Deposit and not Paypal or ACH push from another bank. Account must be opened for at least 6 months. There is no hard pull on your credit for opening this account. Branches are located in Alaska, Colorado, Connecticut, Florida, Idaho, Indiana, Kentucky, Maine, Michigan, New York, Ohio, Oregon, Utah, Vermont, and Washington.

Hustler’s Saving Money Tip of the Day:

One of the things I learn with car insurance is that you can always cancel your policy at any time. There is no early termination fee and you get your money back pro-rated if you pay it full in advance. Since rates are always changing, you can be sure to find a lower price from all the competitors.

It took me less than 5 minutes to find a lower rate by going through online with Netquote. After filling out online, the offers begin to pour in from at least 10 insurance companies. The major companies include Farmers, Allstate, Progressive, Nationwide, and many more. I put in the year and model of my car, along with the type of coverage I would like, and they will email you the best rates. I didn’t put my real phone number because I didn’t want to be bothered with them calling.

Hot American Express Card

Blue Cash From American Express lethal weapon divx movie online - Get 5% cash back for everyday purchases and 1.5% cash back for everything else after spending $6,500 in purchases. For some people who has no trouble of getting to the $6500 in spending, this card gives a higher return that the Chase freedom.

Want to get to the $6500 limit quicker? Read about the U.S mint department.

$50 bonus - Bank of America : MyAccess Checking; Exp. - 12/31/09

Terms:

You will receive your $50 credit to your new account within 90 days of opening your new personal checking account online. Limit one $50 incentive per household every 6 months. Offer valid only for new MyAccess Checking® accounts. You must use the Offer Code GROUP and fund your account with the $25 minimum opening deposit requirement within 30 days in order to qualify for this offer. We may report the value of any premium to the IRS. Offer expires on 12/31/2009. Offer may be withdrawn or modified at any time without notice. The $50.00 credit can only be made to your new account. This new account must be still open at this time to receive your $50.00 credit. We may report to the IRS the value of any premium. Any applicable taxes are the responsibility of the recipient. Please consult a banking center associate, visit www.bankofamerica.com or see our Personal Schedule of Fees for more information.”

There is also a second $50 Bank of America bonus using code XDUGASINT nacho libre divx movie online . It may be worth to open this one too and fund it with a cash back credit card.

$100 AmEx Preferred Rewards Gold Card

American Express Preferred Rewards Gold Card gives you 10,000 bonus points when you spend $500 within the first three months. The 10,000 points can be exchanged for $100 in gift card to stores such as Gap, Home Depot, Barnes & Noble, etc.

This is a good card for frequent travelers since the membership rewards program allows you to earn unlimited points that do not expire.

There is no fee for the first year. If you do not find the card worth keeping, make sure to cancel the card before the first year anniversary.

Here are some more details about the card:

• First year fee-free - $125 Thereafter
• Get 10,000 Membership Rewards® points redeemable for Rewards right away
• No Pre-Set Spending Limit
• The Membership Rewards® program - a fast, flexible rewards program that lets you
  redeem travel rewards on over 21 airlines.
• Gold Card Events—exclusive access to tickets for select concerts, shows,
  major sporting events, and more in cities nationwide
• Global Assist® Plus Hotline and many more benefits included.

Apply Now!

You are wondering, can I open one anyway..say sole proprietorship? YMMV on this. I don’t think you can just walk in and say you have an Ebay business and you want to open a business checking account.

If you are a licensed professional such as a lawyer, teacher, or accountant, you can open a business checking as sole proprietorship without your business being registered with the state.

Obviously, if you have a business, this is an easy $200 bonus. In order to have no monthly fees, your account balance must maintain $5K per month(Chase credit card balance counts too).

Another way to get away from the fees is to ask for the Chase Business Complete package. This package gives you both the Business Classic Checking and Business Savings accounts fee-free for the first year.

Here’s the fine print:

Offer valid 3/11/09 – 4/22/09. Offer not available on account conversions or in combination with any other offer. Open a Chase BusinessClassicSM, Chase Advanced Business CheckingSM, or BusinessPlus® checking account and deposit a minimum of $500 or more into your new business checking account within 30 days of account opening with funds not currently on deposit with Chase. Cash Reward will be deposited automatically into your checking account within 10 business days after the minimum deposit requirement is met. Account opening is subject to approval. Minimum opening deposit of $25 is required. One cash bonus per person or business entity. Offer only applicable for the following states: IL, WI, MI, IN, NY, CT, NJ, OH, WV, KY, FL, LA, OK, TX, CO, AZ, and UT. No shelf accounts accepted. Cash bonus may be considered interest reportable on IRS Form 1099-INT.

ShareBuilder $50 Bonus, follow these steps:

1. Sign up to your ShareBuilder account.
2. Click on the “Get Started” tab.
3. Select account type Individual Account and then click “I’m responding to a Promotion”.
4. Fill out the rest of the form. Click “Next” to fill out second form. Under Promotion Code, enter promo code: Gift50
5. Select “No I don’t have an account” and fill out the owner information and username/password information. Click “Next”.
6. Select “Sharebuilder Basic Account” (Don’t select Standard or Advantage as those programs have monthly fees).
7. Deposit $5 from your checking account, Fund your account with an Electronic funds deposit from savings or checking account .
8. Make a $5 minimum investment. You must do this on Tuesday since it will only cost you a $4 fee. Make sure you pick the automatic investment, and not real time trade. ($4 is the fee, $1 is the crap stock)
9. Receive email that you got the promotion.
10. Wait 4-6 weeks to get your bonus.
11. Withdraw all your money, and let the $1 stock rot forever.

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*You want to buy some crap stock and let it rot. Try these pennies stocks: RUSS

• Bill Pay
• Online Statements
• minimum of 1 incoming Direct Deposit or ACH credit
• use your Check Card a minimum of 3 times (can be ATM, PIN-based or signature-based transactions)

You can open this free checking account with $100 deposit and you are qualify for the bonus. You should get your bonus in three months.

Hot AmEx Cards

True Earnings® Card from Costco and American Express

• Earn cash back on gas and a $25 statement credit with your first purchase made with the Card!
• Earn cash back virtually everywhere you go - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
• No Annual Fee with your paid Costco Membership
• The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
• No Limit on the Cash Back earned Apply Now!

You might also consider the TrueEarnings® Business Card from Costco and American Express. You don’t get the $25 sign up bonus, but the cash back for gas is 5%. This is a better choice for those who spend a lot of money on gas.

• 10 VISA CheckCard purchases
• receive statements electronically

Even better is their 3.10% APY Savings account. There is no balance cap and no debit requirements. With the savings account, absolutely no monthly maintenance fee or minimum balance requirement. This is one of the very few accounts with 3% rate or better nationwide.

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American Express has always been generous with their Starwood American Express card, because you can get 10,000 bonus points after your first purchase. This is good for a $150 ticket or a $100 Amazon gift certificate. Additionally, there is an extra 15,000 bonus points by spending $15,000 on the card within the first 6 months. The 25,000 points is good enough for a free airline ticket. There is an annual fee, but the fee is waived for the first year. Cancel the card within the first year if you don’t like the annual fee. For those in need of more bonus points, apply for the Business Starwood American Express Card for another 10,000 Starpoints after first purchase.

From the website:

Just for Chase and WaMu debit and credit cardholders:
Pay for your MetroCard® purchases, Long Island Rail Road and Metro-North Railroad train tickets and NYC Yellow Cab rides with your Chase or WaMu debit or credit card.

Get a $10 Cash Reward (up to $50) for every $150 in qualifying purchases.*

Hot AmEx Card:

American Express® Preferred Rewards Gold Card gives you 10000 bonus points after $500 in purchases. No fees for first year.

• Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
• No Pre-Set Spending Limit
• No annual fee for the first year - $125 Thereafter
• The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
• Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
• Express Approval. Get a decision in less than 60 seconds.Apply Now!