This post, excellent cash reward cards is the third in this series. By now readers most likely understand that in order to choose excellent cash reward cards including the excellent benefits they offer, it is key to have a reliable cash reward credit card rating system. Then one can best evaluate the quality of any card being considered.
A CASH REWARD CREDIT CARD RATING SYSTEM
My system for rating Cash Reward Credit Cards has two parts. First there is the similarity to how traffic signals regulate traffic.
TO REVIEW IN GENERAL
As a rule, cash reward credit cards offer all kinds of cash benefits as compensation for making purchases with them. In order to make the most of cash reward credit card choices, you need to know a card’s pros and cons.
As a matter of fact, excellent cash reward cards tend not to have much of anything in the way of drawbacks. In other words, you want to pick a card that bats as close to 1000 as possible. That is the purpose of an excellent cash rewards card.
With this in mind, once you know what to look for and what to avoid, then you’ll have the tools necessary to plan for the best card with the most benefits. In other words, an excellent rated card. Let’s look at this more closely.
GREEN LIGHT CREDIT CARD CASH REWARD CARDS
Green light adapted from a Pixaday image.
Greenlight cash reward credit cards offer these types of benefits:
1. good to excellent percentages on cash rewards (3-5%)
2. $150-$200 promotional bonus for opening an account and even more on cards with annual fees
3. cash rewards are available in any amount at any time
4. rewards redemption is possible by a variety of methods
5. choose from several categories for top rewards rate
6. payment date and statement closing dates can be changes
The Bank of America® 2019 Top Rated Cash Reward Credit Card Mastercard is a ‘green light’ card. Specifically, it has a 5-star rating from CompareCards® by Lending Tree
The Bank of America® Cash Rewards MasterCard
Green light adapted from a Pixaday image.One cash rewards credit card that provides all of the qualities listed below is the Bank of America® Cash Rewards Mastercard. In fact, it has been rated No. 1 in Cash Reward Credit Cards for 2019 repeatedly on websites like comparecards.com.
The benefits include:
a. $200 promotional signup bonus
b. 3% reward in a specific categories
c. user can choose which category gets 3% from several options
d. cash rewards accumulated are available in any amount at any time
e. no annual fee
Another top rated card is the Capital One® Quicksilver Card which also has an excellent rating of 4 1/2-stars from NerdWallet.com.
Capital One® Cash Rewards Quicksilver MasterCard
Green light adapted from a Pixaday image.Also a highly rated cash rewards credit card is the Capital One® Quicksilver Card. It’s only possible drawback is the 1.5 percentage rate on cash rewards. But that is still better than getting only 1%. Besides, rewards are available at any time. As a result, the following benefits clearly outweigh the drawbacks on some other cards with a higher % rate.
The benefits include:
a. $150 promotional signup bonus
b. 1.5% everywhere, on everything
c. redeem any amount of rewards at any time
d. no annual fee ever
Please note: I am not a certified financial planner or professional advisor. These blog posts about the use of credit cards are based on my own experience which I freely share. But I can take no legal or financial responsibility for the results you may have in attempting to follow my system. But I do wish you the best and welcome your comments and questions at the VERY end of this post. You will have reached the end because you can not scroll down any further. As well, you will have reached the comment form.
A TWO-PRONGED CASH REWARD CREDIT CARD RATING SYSTEM
I’ve developed a credit card rating system that is very helpful in choosing Cash Reward Credit Cards. Specifically, the system analyses what particular cash rewards credit cards can and can’t do to help lower my monthly charged expenses at any given time.
THE TRAFFIC SIGNAL SYSTEM
My system is similar to the way a traffic signal works. The image is from Pixabay.
To start, the first part of the system is analogous to how a traffic signal operates. In other words, Cash Reward Credit Cards offer percentages of cash benefits to cardholders for charging purchases on their cards. Then, there are a variety of different qualities to benefit from.
To make the most of cash reward credit cards, become familiar with the benefits of all the cash reward credit card accounts being considered. As a refresher to the first post in this series, cash reward credit cards use can be divided into three benefits categories. For example, this is similar to a three-colored traffic signal. Thus, I have named the cash reward credit cards as reflections of the actions to take in response to traffic signal lights:
GREEN LIGHT indicates a clear go-ahead signal YELLOW LIGHT suggests proceeding with some degree of caution RED LIGHT urges avoiding or proceeding at one’s own risk
Study and choose carefully. As mentioned, this is because cash reward credit cards do not all have the same qualities or rates of return. In fact, they can be very different. As a result of studying each card’s personality, one will become familiar with the specific qualities. That way, a person will have an idea of how to plan for the most beneficial outcome. This means studying how best to use each card on its own. It includes observing the power of using them in combination with others.
CREDIT CARD TEAM WORK
In fact, cash reward credit cards work best as a team. Let me explain how this works. Different cards offer a different % of cashback for different categories of purchases. Thus, the ideal situation is to gather a group of the highest rate of cash return for each of the card categories that one uses most. For example, if one charges mostly for groceries and gas each month, the goal would be to acquire cards that pay the highest rate in these categories. In fact, these days that can be between 3% to 5%, and even 6%.
A straight flush compared to a winning hand of cash reward cards. Image from Dreamline.
LET’S PLAY CASH REWARDS POKER
Ironically, credit card teamwork actually reminds me of a winning hand in the card game of poker. In comparing the two, one would want to come up with cards of the same suit. But each with a different card in numerical order. This is known as a straight flush. See the example above. In actuality, the only difference is that in the game of poker there are only 5 playing cards. But in my credit card system, there are ideally 6 credit cards. Therefore, a winning hand would be 6 cards with these percentages in the categories listed:
6% for US supermarkets
5% for all purchases on a store card
4% for dining out
3% for gas
2% for health care
1.5% for all purchases
Here’s a tip from James Wang of WalletHacks.com. Be certain to label credit cards with a magic marker to remind you what card to use for what category of purchase and % of the return. By doing this, you won’t forget and use the wrong card. Remember, you want to get the highest percentage of cash return out of each purchase. For that reason, this clever trick is invaluable.
CONCLUSION
Note that the next three blog posts in this series will specifically explore two things. First, each of the qualities of cash reward credit cards will be explored. Then specific cards will be analyzed. An easy way to remember the categories is Green for GO, Yellow for CAUTION, and Red for AVOID or proceed at your own risk!
Here are the links to all five posts in this series:
Please note: I am not a certified financial planner or professional advisor. These blog posts about the use of credit cards are based on my own experience which I freely share. But I can take no legal or financial responsibility for the results you may have in attempting to follow my system. But I do wish you the best and welcome your comments and questions at the VERY end of this post. You will have reached the end because you can not scroll down any further. As well, you will have reached the comment form.
The responsible use of cash reward credit cards has been very helpful in reducing my monthly expenses. In order to help me decide what new credit card I should apply for at any given time, I have developed a credit card rating system. It guides me in determining which credit card will best meet my needs at the time I apply for it. This blog post series will explain my system in detail to help others decide what cards and card qualities to consider as well.
THE CATEGORIES OF CREDIT CARDS
The categories of credit cards are shown in the illustration below. Note that each serves a different purpose. Cash reward credit cards provide a crucial feature that some of us value most, cash back for a reduction in expenses. To apply the system where it has great value, I will use the cash back or cash rewards cards category as the primary focus of this blog post series, A CREDIT CARD RATING SYSTEM.
“CompareCards says issuers are providing such generous deals, they’re virtually irresistible for those willing to switch.”
CASH BACK AKA CASH REWARDS CREDIT CARDS
With cash back credit cards, one can get reductions in monthly credit card charges. This is crucial for the survival of someone who is a Former Middle-Class Person as well as a senior citizen. In fact, the benefits offered to make life easier with these cards increases almost daily. This is because credit card issuers are becoming increasingly competitive with generous offers to lure new customers to switch credit cards.
ADD TO RATHER THAN SWITCH CARDS
It can be preferable to add a new credit card rather than switch by elimination. On the other hand, there are many details to keep in mind when adding rather than switching. In spite of that, one major benefit of having a bounty of (cash reward) credit cards is a substantial amount of total available credit. This means that if a credit cardholder uses a very small % of his/her total available credit each month, a major factor of one’s credit score remains ‘EXCELLENT’. When it comes to credit scores, most systems use a total of six factors and using a small % of available credit is one of them. But adding new cards definitely has its pluses and minuses. In spite of the challenges, I have found adding cards to be a plus. More about this in the other posts in this series.Here is an article about this from Credit Karma.
There are Six Primary Credit Card factors in the major FICO® scoring system as illustrated by Credit Karma®
HOW TO KEEP MANY CASH BACK CREDIT CARDS ACTIVE AND IN ORDER
There is no way to use every card each month. As a result, I use a rotation/pairing system that allows me to use only several cards each month. The pairing part means that I make available one card in each of my charging categories, if possible. Even though I have developed a system, I still have to be vigilant. That means staying within my spending budget and making all my payments on time. In other words, there needs to be a way that I can keep track of every detail of every card at all times. More about that in the other posts.
Credit Card Cash Reward Categories are similar to traffic signals. This one is from Pixabay.
MY CREDIT CARD RATING SYSTEM AS IT IS APPLIED TO CASH BACK CREDIT CARDS
The additional posts in this series will focus on how my credit card rating system relates to how I choose cash rewards credit cards. I can and do use it for deciding on all my accounts. The beauty of this system is that it can be used across the board with any cash reward card. In fact, it can be used for deciding on any type of credit card as well.
Please note: I am not a certified financial planner or professional advisor. These blog posts about the use of credit cards are based on my own experience which I freely share. But I can take no legal or financial responsibility for the results you may have in attempting to follow my system. But I do wish you the best and welcome your comments and questions at the VERY end of this post. You will have reached the end because you can not scroll down any further. As well, you will have reached the comment form.
Actor Pablo Schreiber, photo from his Facebook-Official Page
Pablo Schreiber, The Actor
Actor Pablo Schreiber often portrays the bad guy role on TV and in film. Sometimes I was not even able to watch an entire TV episode of Law & Order SVU because his acting was so believable as a very bad guy. In spite of that, I sensed that underneath his terrifying character portrayal there is a real-life nice guy. The following quote by Schreiber, explains it best in his own words and tends to confirm my gut feeling about him as a person and his outstanding acting ability.
“. . . . If there is a reason I’m able to make unsympathetic characters human, it’s because it’s my desire to find what drives the unsympathetic behavior. Almost always at the bottom of it is some deep insecurity. Putting your finger on what each individual’s particular insecurity is goes a long way to fleshing that person out.” Quote by Pablo Schreiber from IMBd
Pablo Schreiber Acting Projects
I have by no means seen all of Pablo Schreiber’s work. For an extensive list of his theatrical, TV and film acting, go to IMBd-Pablo Schreiber . To keep it simple, I will focus on two of his projects, one a TV series of several episodes that Schreiber is a guest actor in and the other, a recent film.
Law & Order: Special Victims Unit
Seven Episodes in Season 14 and 15
First is the series of Law & Order SVU episodes based upon a man, William Lewis who was a “serial rapist, serial killer, serial kidnapper, and sadist (later a spree rapist and spree killer)”. Quote from Law & Order Pablo Schreiber in his terrifying role as William Lewis on Law & Order SVU
Schreiber is the organizer of a recently gathered crime gang composed of military buddies and athletic pals. The story is about a heist planned by a seemingly insignificant character, Donnie Wilson played by O’Shea Jackson Jr. Their target is the Federal Reserve Bank in Los Angeles. The theme and precision timing action make for on-the-edge-of-your-seat entertainment.
Pablo Schreiber as Merriman,organizer of the gang, Den of Thieves in the movie by the same name, 2018
The story pits this gang against the Los Angeles Sherriff’s office, the bad guys versus the good guys. But the movie juxtaposes their leaders, ‘Big Nick’ O’Brien played by Gerald Butler, and Merriman, played by Pablo Schreiber to illustrate that there is little difference between them. Both are violent, adrenaline junkie action seekers festooned with beards and plenty of tattoos. They will stop at nothing.
Gerald Butler as ‘Big Nick’ O’Brien of the LA County Sheriff’s office in Den of Thieves, 2018
What’s Next?
“A psychotic oil matriarch leaves the whole industry exposed when she attempts to outfight a bullish farmer whose water has been poisoned.” Quote from IMDb description of the movie
Director: Edward James Olmos
Writer: Robert McEveety
Stars: Haley Joel Osment, Pablo Schreiber, Alfred Molina The Devil Has A Name, coming in 2019
Who do you think will play the “bullish farmer”? Will Pablo Schreiber be the hero or the villain? We will just have to wait until the movie comes out. I can hardly wait. How about you?
In this blog post, I explore recent parts of the Dunkin’ Donuts rebranding programs. Specifically, when they started their new look of hot pink and orange bold lettering.
The Dunkin’ Donuts® brand going back to the 1950’s from ‘Evolution of the Dunkin’ Donuts Logo’, a blog post written by Erin Wallace as a student at Virginia Commonwealth University
Towards the end of 2018, Dunkin Donuts announces a dramatic rebrand to just Dunkin’. The word ‘donuts’ was to be eliminated. Here is a blog post I wrote describing this change and some visual that demonstrate what it would look like.
The polishes colors are “Cocoa Mocha, Caramel Craze and Blueberry Crisp, inspired by Dunkin’s new Signature Lattes, as well as Butter Pecan, Pistachio Almond Fudge and Banana Split in honor of our seasonal Baskin-Robbins Ice Cream Flavored Coffees. Or, fans can rep our iconic orange and pink colors with the vibrant Slam Dunkin’ and Pretty in Dunkin’“. These vegan-friendly polishes are available only in select salons across the country. In other words, they cannot be purchased at retail locations, to the disappointment of many. But with Dunkin’ Donuts, I mean Dunkin’ who knows what will come next.
The US Map showing where salons are that have the Signature Nail Polish
My handmade crafts historical exploration started out with the intention of distinguishing two major handmade crafts categories, hard and soft crafts. The distinctions are not absolute. This is because the differences are not always clear cut. In addition to that, these terms have no official documentation or recorded definitions.
In spite of that, these terms may be helpful in clarifying some of today’s complicated, definitive distinctions, Handcrafted vs. Homemade and Art vs. Craft for example. In this blog post (series), which is actually a soft crafts project, I will travel through history to illustrate what are contrasts and comparisons between hard and soft crafts as well as explore other crafts related gems.
HANDMADE CRAFTS HISTORY
Crafts Guilds
An explanation of the term handmade crafts as we ponder it today needs to come way before a distinction between hard and soft crafts can be made. Even before the Industrial Revolution which brought about the Industrial Age, when most things were pretty much made by hand, the term crafts was employed. In fact, there were highly regarded Crafts Guilds.
Crafts Guilds in the Middle Ages
The Purposes of Crafts Guilds
Crafts Guilds served several important purposes in the Middle Ages lasting even to this day. Most significant is this quote from, The Purpose of Crafts Guilds in the Middle Ages. Gaining Elite Membership in a Guild: “A man would have to work through three phases to become an elite member of a Medieval Guild during the Middle Ages – apprentice, journeyman, and master.” How similar is that in today’s world of true craftsmanship?
A Craftsman’s Legacy by Eric GorgesThis soft crafts project was inspired by and is dedicated to a craftsman I greatly admire, Eric Gorges. He is the TV host and writer of A Craftsman’s Legacy. The continuation of this story, a soft crafts project itself, will be more chapters or blog posts about the history of crafts and craftsmanship.
“Do grammar and spelling matter any more?” I wonder about this when I read how other people write online. Whether it is an email, a blog post, a website or even an eBook, so many people make grammatical and spelling errors. Don’t even mention texting. That is a digital language all it’s own that has destroyed the English language, completely.
I seem to be achieving high marks on grammar thanks to the Grammarly program
WHAT I LEARNED IN THE 8TH GRADE
I studied grammar and spelling in the 8th grade. Because it stuck with me, I can spell and write with some degree of intelligence.
But even if I couldn’t, there is no excuse for my writing to not be correct. This is because programs like Grammarly have come upon the scene. The result is that no matter how poorly I spelled or used grammar, I could still come out looking like a pro.
Grammarly doesn’t compensate me to say this. In spite of that, I have to mention this topic because it is important. Not only that, I think it matters that people write correctly. It is a reflection on a writer’s intelligence related to an entire piece of writing.
For example, I read an article on a topic that really interests me. But it was a real disappointment because the author did not know simple junior high school grammar. Since that annoyed me so much, I tried to write to him to let him know how bad it looked.
But my email bounced. So out of frustration, I decided to write this blog post instead. Even if the author this message was meant for doesn’t see it, at least other people will find out how to have correct grammar and spelling thanks to my friend Grammarly.
What Fast Co has to say about GrammarlyHow Grammarly Helps Me to Write Like a Pro
WHAT I LEARNED THIS YEAR
The 8th grad was a long time ago. In addition, I am more accurate with a pen than I am with a keyboard. So I needed some help when the latter became the tool of necessity. Because of Grammarly, my grammar is top notch and I can still spell like a pro.
In this digital day and age, anyone can become a published author. That is why proper grammar and spelling are crucial. As a result, tools like Grammarly are indispensable for writing to be professional, as well.
There are still human editors for those who can afford them and those who have time to wait for their corrections. Personally, I like to publish what I write quickly and inexpensively. The basic Grammarly program is free and it is immediate. That’s good enough for me and I am not alone in my evaluation.
There are numerous credit card categories and signup incentives available. For example, some credit cards offer hefty signup bonuses. Others have top cash rewards. Then there are travel points. Finally, there is balance pay down cards. You just have to know what you need, go over the details, see what you qualify for, and apply for the best card in that category. Because there is so much to cover, this blog post will focus only on one time sign up cash incentives and ongoing cash rewards.
Credit Card Sign Up Incentives and Ongoing Cash Reward
There are basically two ways that credit card companies entice new customers seeking cash rewards as their priority. First, there is a single signup cash back bonus. This is accomplished by offering a set amount of money to be charged on a new credit card within a given amount of time. In addition or instead, there can be ongoing cash rewards.
Bank of America® VISA or MC Cash Rewards Card
This particular card is a very good deal all around. It offers a number of excellent credit card signup incentives. In fact, it is ideal for someone seeking a credit card with cash rewards: The Bank of America® Cash Rewards VISA or Mastercard
• $150 cash reward bonus
• cash back on every purchase, every time
• no annual fee†
• your choice of a 3% cash back category, 2% and 1% categories
A recent promo that came in the mail for a Bank of America® Cash Reward Credit Card
Comparing Credit Card Offers
Spending Profile
Let’s compare the Bank of America VISA Cash Rewards Card with some of my other favorites. In fact, I have several other favorites. Determining which are the best cards or even single card depends on a person’s credit card charging needs or spending profile, as I like to call it. For example, I always aim to get the maximum cash back on every purchase I make. Therefore, when I signup for a card, I like to make sure it fits into my spending profile. For example, these are my major credit card charging categories: • GROCERIES
• DINING (EATING OUT)
• UTILITIES
• GAS
• HEALTHCARE
• HOME AND PERSONAL PURCHASES
GROCERIES: The Amex Blue Cash Everyday® Card
Here is how my system works. For example, the American Express Blue Everyday card offers 3% cash back so that is my card of choice for groceries. It has a similar profile to the Bank of America® card with a few differences. The American Express Blue Cash Everyday® Card
• $150 or $200 cash reward bonus
• cash back on every purchase, every time
• no annual fee†
• 3% cash back on groceries
Numerous credit card accounts provide charts like the this one to provide of breakdown of categories of expenses or vendors within a particular category. Breakdown of Expenses by category or vendor in a particular category. The Amex Blue Cash Everyday® Credit Card is dedicated to charging GROCERIES at 3% cash back. Therefore the charted breakdown is by retail store in this case.
DINING OR EATING OUT: Capital One® SAVOR Card
This card offers 4% for dining out. It even includes McDonald’s, Burger King, Dunkin Donuts, etc..
The chart below compares values of dining out cards. The Savor Card is close to the highest and charges less than others with higher or similar % bonuses. The best credit cards for dining rewards. Notice how well the Savor Card ranks.
UTILITIES: The New Credit Card Sign Up Sweet Spot
This is how I break in a new credit card to receive their one time sign up bonus. If I use it to charge my monthly utility bills such as cable, cell phone, and contents insurance, I charge about $275 a month on it. That easily covers a requirement of $500. in charges in two months. A requirement of $1000 in charges in three months can also be covered with a few extra charges are added in. I have fulfilled the requirements of a number of very useful cards with this method. In addition, I also get monthly cash rewards this way because I use the new card for charges and pay it the following month from my checking account. This technique is a real winner if I can remember which month I am supposed to do what task.
The cable bill gets charged to a new credit credit cards towards the sign up one time bonus.
GAS: Get 3% With the New ‘Choose Your Category’ from Bank of America®
Because Bank of America® Cash Rewards Cards now offers the option of choosing 3% on their new ‘Choose Your Category’ plan, we use it to pay for gas. That is the best cash back rate I have found to date for gas.
An added offer on Bank of America® credit cards, choose your top category
HEALTHCARE AND BEAUTY: The CareCredit® Rewards Master Card
The CareCredit® Rewards Master Card pays 2% on health related and other charges that the above and below cards do not cover for more than 1% or 1.5% The CareCredit® Rewards Card pays 2% on health care, beauty and veterinary charges“Whether you use your healthcare credit card to cover your deductible, or to pay for treatments and procedures not covered by insurance*, CareCredit helps make the health, wellness and beauty treatments and procedures you want possible today.
*Subject to credit approval.” Quoted from CareCredit® Card’s application material.
The Unique Coverage of the CareCredit® Card 2% Cash Rewards
CAPITAL ONE® QUICKSILVER CARD: For Everything Else
Capital One Quicksilver VISA Card covers what none of the other cards do for mmore than 1% and gets 1.5% 1.5% cash rewards available at all times
Quicksilver offers two cash rewards cards
HOME and PERSONAL PURCHASES
The Target Red Card has many perksStore cards have certain advantages and disadvantages. They often offer 3-5% as their regular cash reward or as special promotions. For example, Target always offers 5%. But remember to carry your PIN number to use this card in their stores.
MORE HOME and PERSONAL PURCHASES
TJ Maxx which includes Home Goods, Marshalls and Sierra have special promos that can triple their usual ratio of points for each dollar spent. On the other hand, Home Depot has a $25 signup bonus which is deducted from the first purchase only. There is no cash reward bonus for their card.
TJx offers two kinds of credit cards
A WINNING HAND
As a result of careful planning, almost every charged purchase can earn a cash reward of between 1.5 % TO 5%. One exception is HOME DEPOT. They don’t offer cash rewards. So, from maximum to minimum, this is what a winning hand of credit card cash rewards might look like.
HOME, OFFICE AND PERSONAL: 5% Staples, Target*
DINING AND EAT OUT: includes McDonald’s, Burger King, Dunkin Donuts, etc. 4% Capital One® SAVOR Card
GROCERIES: 3% American Express® Blue Everyday Cash Rewards
GAS: Choose 3% on the new BoA ‘choose your category’ plan
HEALTH-RELATED, PET AND SOME BEAUTY: 2% CareCredit® Rewards MC 2%
EVERYTHING ELSE: 1.5% Capital One® Quicksilver card *Special offers triple points at certain times of the year
Keeping Track of A Winning Hand
Jim Wang of Wallet Hacks has the best trick I’ve heard of to remember which card offers what. Write it directly on the card. For example, on the Capital One® Savor Card write, ‘DINING 4%’. Just one word to describe the category and the % reward. It works very well when you have three, four, or even five cards in your wallet.
SOURCES & RESOURCES
Wallet Hacks Target Staples
TJx Credit Cards
Capital One® Savor Card
Capital One® Quicksilver Card
American Express® Blue Cash Everyday Card
Bank of America® Cash Reward Cards
CareCredit® Rewards Card
Credit card cash rewards can offer added benefits to credit card owners. But sometimes it can be confusing to claim them. In addition, not all cash rewards are the same.
Types and Distribution of Credit Card Cash Rewards
There are several types of credit card cash rewards as well as different ways they can be distributed. It is important to know when and how they can be made available to make the most of these rewards. American Express® statement credit cash reward printed and stored either digitally or manually for proof of distribution.
Types of Cash Rewards
There are between three and four types of cash rewards. The most direct is the statement credit applied directly to your credit card statement, illustrated above. But which statement is the question. Is it your current statement or your next statement? I often find that a call into the credit card company is needed to clarify this question.
The other types of cash rewards are illustrated here. They are gift cards, merchandise and friend referral rewards. Types of additional cash rewards available as illustrated by Amex®.
Distribution of Credit Card Cash Rewards
This is where things can get confusing. Distribution has several options:
• anytime by request online or by phone
• with a minimum of $25 in rewards by the same methods
• in increments of $25 in rewards by the same methods
Capital One® offers cash back in any amount at any time plus lots of other rewards.
Option One is the simplest and most direct. Capital One and now Bank of America credit cards both offer this service. See the illustration above,
Option Two is where things can get complicated and there are drawbacks. This is because you can’t withdraw cash rewards at any time. There has to be an accumulation of at least $25 to do so. American Express distributes cash rewards this way. Read the fine print inside the red outline. Cash rewards are available for a minimum of $25 dollars. See the fine print inside the red lines.
Then there is Option Three, the least desirable way to cash in cash rewards. They can only be made in increments of $25. As illustrated below, cash rewards can be distributed only in increments of $25. Wells Fargo Go Far® Cash Rewards program distributes rewards only in incremented of $25.
Reading the fine print is important to understand what types of credit card cash reward exist and how they can be distributed. You can also learn more about credit cards on this blog by going to the search bar and typing in credit cards.
SOURCES AND RESOURCES
Capital One Cash Back VISA Credit Cards
Bank of America Cash Back VISA Credit Cards
Wells Fargo Credit Cards
American Express Credit Cards
Recently, I began my Recycled with Love Collectables hobby. It is a hobby because it is just for fun. In other words, it is no longer a business venture requiring specifications for clients. With this in mind and because I had already covered a lot of acreage with painted decoration and had developed a high level of skill, I wanted to try something new, new tools and different techniques.
Originally a bedroom night stand being transformed into a kitchen niche piece
Here’s my latest project. It is a small one drawer and open storage area part. It’s good, solid wood with dovetailed drawer. Height is about 27″ high, 12″ deep and 18″ wide. It fits perfectly into my kitchen corner nook. So I am creating a usable conversation piece in an otherwise dead corner.
Visiting an old friend to make a new friend. Simply decorated with contact paper and Duck Tape®Revisiting an old friend to make a new friend, drawer detail.
How It All Started
This video describes how it all started with my 5-step decorative painting process that has now evolved into my Collectables hobby.
Collectables Hobby
I had neither the patience nor the skill level anymore for intricate decorative painting. As a result, I decided to use other decorative media. It turns out that there are so many things to use for decorating. They include DUCKTAPE®, knick knacks, ribbon, buttons, erasers, plastic flowers and much more.
‘The Button Bottle’ is the result of revisiting the “Recycled with Love’ Collectables philosophy and technique.
Seasonal and Themed Collectables
Halloween Decorative Fun
Whimsical Collectables
Painted glass bottle and cups with decorative erasers
To The Next Level
Recycled with Love Collectables have been revisited and taken to the next level as a hobby. The bottles I painted and decorated have become part of our 2018 holiday greeting cards. Who knows what will come next?!
Painted and decorated bottles become a menorah and Christmas tree decorations
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