PGGoodEveryDay and Panera Bread is offering a free Panera Flatbread Pizza. To get FREE Panera Flatbread Pizza and 3-Months of Coffee Sign up for P&G Good Everyday Rewards and you will get 25 rewards points. Through March 31st, they have FREE Panera flatbread as well as 3 months of free coffee for 25 points.
2. Go to Panera to redeem 25 points and receive 3-Month MyPanera+ Coffee Subscription + Free Flatbread Pizza
3. Your unique coupon code should arrive quickly via email.
We tried Panera Flatbread pizza for the first time and it was surprisingly good. We saved a total of $11 on this order because we ordered our free coffee with the free flatbread promo codes as you can see below:
How to Save 10% on Panera Orders
Save more at Panera and other restaurants by signing up for a Chase Freedom Flex card where you can get 10% back at Panera by using Chase Offers. See below for an example:
If you want authentic and incredible “fast food” chicken that beats Chick-fil-A hands down then check out Cowboy’s Chicken. They make some of the best wood fire chicken including sandwiches and enchilada plates.
Cowboy Chicken is celebrating the grand opening of a new location in Fresno, CA so they are giving all the locations a reason to join in and save. Wednesday, Oct 16 they are rolling back prices on the original menu items back to 1981 pricing. This is an app promotion only so you must download the app and then order to get some of these at ridiculous prices: — Half Chicken Meal with signature Twice Baked Potaters and Ranchero Beans for only $3.29 — Homemade Peach Cobbler for only $1.19 Umm can we just live in 1981 again?
Once you download the app you’re one step closer to unlocking rewards!You automatically receive $5 off your first transaction with the app. You will also receive a $5 credit for every $50 spent, pay at the counter, receive birthday treats and other great offers year round. An alternative way to order with Cowboy’s chicken is to use Chase Pay.
The Citi Double Cash is possibly the most versatile no annual fee credit card out there. It’s the credit card I use for everyday spending, and it’s one I recommend regardless of whether you want to earn cash back or travel rewards.
Here are the four reasons that the Citi Double Cash should be in your wallet:
Earn a higher cash back on all spending
The Citi Double Cash has a phenomenal rewards structure if you’re looking to earn cash back. At this point that’s understandably what lots of people are looking to earn, as getting cash towards your daily expenses may be preferable to earning travel rewards.
The card offers:
1% cash back when you make a purchase
1% cash back when you pay for that purchase
By the time you’ve paid for your purchase you’ll get two cents back on every dollar spent. This is more rewarding than a vast majority of cash back credit cards, and is in line with the best cash back return you’ll find on a credit card.
There’s not a single card I can think of that offers a return of better than 2% cash back unless its a business card such as the Capital One Spark Visa and you have to pay a $59 annual fee.
The Citi® Double Cash Card used to just be an excellent cash back credit card, but nowadays it’s also an exceptional credit card for those looking to earn rewards points. So in this post I wanted to provide an updated review of this amazing card.
As far as were concerned, this card has ushered in a new era of credit cards, where you can earn 2x transferable points on all purchases with no caps. So not only is this a great card for those looking for a simple credit card strategy, but it’s also a great card for those who go great lengths to maximize their points.
No Annual Fee The Citi Double Cash has no annual fee, which you can’t beat. A lot of people sacrifice credit card rewards because they don’t want a card with an annual fee, so here you’re getting a valuable card that won’t cost you anything.
0% Intro APR The Citi Double Cash has an offer for 0% intro APR for 18 months on balance transfers from date of first transfer when transfers are completed within 4 months from date of account opening. After that, your APR will be 13.99% to 23.99%, based on your creditworthiness.
This won’t be for everyone, but I know that this is something that some people take advantage of. While some cards offer 12 months 0% APR, 18 months is quite a long time.
Mastercard Benefits The Citi Double Cash is a Mastercard, which is worth mentioning because Mastercard has excellent acceptance with merchants.
The same is true of Visa, though this is an area where American Express is still improving. So there is something to be said for getting a Mastercard that will be accepted virtually everywhere.
Citi is among the most generous issuers in letting people product change between cards:
You can downgrade any personal Citi credit card to the Citi Double Cash; this even includes co-branded cards You can generally only product change if you’ve had a card for at least 12 months, so you can’t do this with a new card You’ll want to call Citi to see all the options available to you The benefit of product-changing rather than applying new is that you can maintain your credit line, and also that it won’t count as a further inquiry on your credit report.
Whether you apply for the card outright or product change to it, you have options.
Earning Rewards With The Citi Double Cash This is where the Citi Double Cash gets truly incredible, especially with the changes that were made to the card recently. When you spend a dollar on the card (and pay the bill) you’re potentially looking at earning two cents of rewards, and those rewards can even be transferred to Citi ThankYou points at a ratio of one cent per point.
Earning Cash Back With The Citi Double Cash The Citi Double Cash offers 1% cash back when you make a purchase, and 1% cash back when you pay for that purchase.
So after paying for your purchase, you’ll earn rewards worth two cents back on every dollar spent, which is great. A lot of people earn 1-1.5% cash back on their credit cards, so this is much better.
HOW TO REDEEM CITI DOUBLE CASH REWARDS AS CASH As explained above, the Citi Double Cash offers a return of two cents on the dollar for your spending (after paying your bill), but how does the actual process of earning cash back work?
The cash back will show in your Citi account after logging in, and will appear in two columns — the 1% cash back you earn from spending, and then the 1% cash back you earn from paying for your purchase.
You’ll need a minimum of a $25 cash back balance to redeem your Citi Double Cash rewards, which is earned after $1,250 of spending. You have four redemption options for Citi Double Cash rewards:
You can redeem for a gift card from a variety of retailers
You can redeem for a statement credit, which will post to your account within 2-3 days
You can redeem for a direct deposit, which can be to a Citi account, or an account with another bank
You can redeem for a check, which will be mailed to you within 7-10 days
Personally, I wouldn’t redeem for a gift card (why limit yourself?), but rather would choose either a direct deposit or check, which gives you the most flexibility.
Earning ThankYou Points With The Citi Double Cash In September 2019, Citi added the functionality to convert Citi Cash Rewards into Citi ThankYou points at the rate of 100 ThankYou points per $1 of Cash Rewards. In other words, 100 cents cashback converts into 100 ThankYou points.
There are lots of ways you can redeem your Citi ThankYou points. You can redeem them for one cent each towards gift cards and other purchases, though that isn’t worth it. At that rate you’re just better off earning cash back outright rather than gift cards.
Where this gets really valuable is if you have the Citi Double Cash in conjunction with either the Citi Premier or Citi Prestige. If that’s the case then you can also transfer these points to Citi’s airline transfer partners, including Etihad Guest, Singapore KrisFlyer, Virgin Atlantic Flying Club, and more. This is a fantastic way to redeem for international first & business class experiences.
Points potentially transfer at the following rates to the following programs:
Citi ThankYou Transfer Partner Transfer Ratio Aeroméxico Club Premier 1000 : 1000 Air France KLM Flying Blue 1000 : 1000 Avianca LifeMiles 1000 : 1000 Cathay Pacific Asia Miles 1000 : 1000 Etihad Guest 1000 : 1000 EVA Air Infinity MileageLands 1000 : 1000 Jet Airways JetPrivilege 1000 : 1000 JetBlue TrueBlue 1000 : 1000 Malaysia Airlines Enrich 1000 : 1000 Qantas Frequent Flyer 1000 : 1000 Qatar Privilege Club 1000 : 1000 Singapore Airlines KrisFlyer 1000 : 1000 Thai Royal Orchid Plus 1000 : 1000 Turkish Airlines Miles & Smiles 1000 : 1000 Virgin Atlantic Flying Club 1000 : 1000 This is the first credit card out there to offer an uncapped return of 2x transferable points per dollar spent. I value ThankYou points at 1.7 cents each, so to me that’s like a return of 3.4% on spending.
In some cases, you can do even better than that. Citi frequently has transfer bonuses, so you can potentially take advantage of those while earning 2x points on this card.
Is The Citi Double Cash Right For You? The Citi Double Cash has long been lucrative. However, historically I’ve thought this card was ideal for those looking to earn simple cash back rewards, rather than true points hobbyists. That’s no longer the case, since major changes were made several months back.
After you spend a dollar on the card and pay the bill you’ll have your choice of earning:
Two cents cash back Two transferable points, assuming you have the card in conjunction with the Citi Premier or Citi Prestige Earning 2x transferable points per dollar spent with no caps on earnings is unrivaled.
Citi Double Cash Card Alternatives The Citi Double Cash is now industry leading when it comes to the return it offers on transferable points, though there are still some other cards that may be worth considering:
If you want a card that has among the best cash back rates in the industry, the Bank of America® Premium Rewards® credit card (review) has a $95 annual fee, a welcome bonus worth $500 of travel, provides great perks, and potentially offers up to 2.625% cash back If you’re looking to earn flexible travel rewards, the Chase Sapphire Reserve® Card (review) and Chase Freedom Unlimited® (review) are an incredible duo that offer a great return on spending and valuable perks If you want a cash back card and spend a lot on dining, the Capital One® Savor® Cash Rewards Credit Card (review) has a $95 annual fee that’s waived for the first year, offers a welcome bonus worth $300 cash back, has no foreign transaction fees, and offers 4% cash back on dining and entertainment If you want a travel rewards card that offers flexible points, the Capital One® Venture® Rewards Credit Card (review) has a $95 annual fee that’s waived for the first year, offers a welcome bonus of 50,000 points, offers 2x Venture miles per dollar spent, has no foreign transaction fees, and more
Citi Double Cash Card Summary The Citi Double Cash has gone from a great cash back credit card, to an unrivaled card for those who are into miles & points. Not only can the card potentially earn up to two cents back per dollar spent, but in conjunction with the Citi Premier or Citi Prestige you can potentially earn 2x ThankYou points per dollar spent, which can be transferred to airlines or hotels.
This card is now a must-have. I picked up the card recently, and it’s now the card I use for my everyday, non-bonused spending.
This card is also a no brainer for paying your taxes with, for example, since you can do so for a fee of 1.87% (which is like acquiring ThankYou points for under a penny each). The same is true for payments through Plastiq.
Apple Music’s standard free trial offer is a generous 90 days so you should jump on this offer!
By using the Shazam app, would-be Apple Music subscribers can get a total of 6 months Apple Music for free. And you can even get some free months it if you’re currently, or have previously been, an Apple Music subscriber.
How to get your free 6 months of Apple Music
To take advantage of the offer, download and open the Shazam app. Next, hit the Library symbol on the top left of the home screen or swipe left to right. This should bring up a “Limited Time” offer for Apple Music. Tap Try Now, then Try It Free. Finally, hit Confirm and you’re all sorted.
An alternative way to take advantage of the offer is to use Shazam to identify a song. When you get Shazam to listen to a song, it will bring up associated info, such as lyrics and other tracks by the artist. In addition, this will bring up text reading: “Get up to 6 months free of Apple Music.”
Tap the text and you’ll get ushered through to a page where you can Try It Free.
And existing Apple Music customers look here!! 👀
The frustrating thing about these offers, of course, is that they often don’t apply to the most ardent supporters of a service. They’re there to pull in new customers, so if you’re someone already paying your monthly $10 there’s no need to offer it to you.
If you’re already an Apple Music subscriber, you can get three months for free by cancelling your subscription and resubscribing.
To do this, load up your Settings and navigate to Subscriptions. Then tap on Apple Music and Cancel Subscription. Next, open the Shazam app, go to the Library page and Settings Then tap on Disconnect next to Apple Music. With Apple Music disconnected, you should be able to see the offer as described above.
Existing users and previous members can also get 3 months for free, existing users will need to cancel their account first and you’ll also need to disconnect Apple music from Shazam if they were already connected. Normally we only see three or four months for new users, so this is much better than standard.
Spotify, an Apple Music competitor, is also running 3 mos for a one month, 3-month free trials, and 6 free months for AT&T Fiber subscribers.
To recap:
It’s currently possible to get six months of Apple Music for free. To get this offer you need to do the following:
Download Shazam & then identify a song if you haven’t already
Hit ‘Library’
Select any song
Click open in Apple Music
Prompt for six months free should show up
The Apple Music holidays offer was launched by Apple for Black Friday and Cyber Monday in the USA, UK and Canada. It ran from November 29 through December 2. However, Apple has seemingly decided to extend this for the holidays.
Thanks to a new partnership with one of our favorite hotel chains and ride share companies you can now earn more on each Lyft ride. Hilton Honors has partnered with Lyft to earn hotel points on rides anywhere.
With this new partnership, those who link their Hilton Honors and Lyft accounts at hiltonhonorslyft.com will automatically earn points whenever they take a Lyft ride. The earnings structure is as follows:
Earn 3 Hilton Honors points per dollar spent on Lyft rides
Earn 2 Hilton Honors points per dollar spent on Lyft shared rides
You can earn points for up to $10,000 of Lyft spend per year
You can also stack this offer with airline miles for Lyft rides
While this partnership represents the first of its kind between Lyft and a hotel group, this isn’t the first opportunity to earn loyalty points for Lyft rides, as Lyft also partners with two airlines:
You can earn 2x Delta SkyMiles per dollar on US airport rides, and 1x Delta SkyMiles per dollar on all other US rides
What’s interesting is that there’s nothing in the terms restricting you from taking advantage of all of these partnerships, so you should be able to earn Delta miles and Hilton points from the same ride, for example.
Even looking at these partnerships independently, personally I think the Hilton one is the most well rounded, given that it’s not restricted to US rides, and given the earnings rates.
Best credit card for Lyft rides
When you’re paying for your Lyft rides, make sure you use a card offering bonus points on ride sharing or travel.
Chase Freedom has announced the 5% rotating categories for the Freedom card for the first quarter of 2019:
Gas stations
Drugstores
Tolls
This is for the first Quarter that starts in January and ends March 31, 2019. You must activate no later than March 14, 2019. They will announce the rest of the 5% such as restaurants, grocery stores, and rideshare soon.
The Chase Freedom card is available directly on the Chase Bank website, in Chase branches, and through our application link here for the up to $175 in bonuses offer.
Gas is always a popular category and they added tolls which can get expensive when you commute to work and pay hefty tolls. Some people pay more in tolls than on gas. At Drugstores you can buy things such as gift cards to help max out the $1,500 limit.
Chase Pay is one of the biggest new features for the Chase Freedom Card. Here were some of the recent benefits of this on top of the 5% or 1% on purchases you get cash back on:
$5 off during Chase Pay Happy Hour which happens a few times a month when ordering togo.
$10 off using Chase Pay 3 times with pick-up orders.
$7 off a movie ticket.
475 Starbucks Bonus Stars using Chase Pay to reload.
So you’ll earn 5X Chase Ultimate Rewards points per $1 AND get the discounts.
While these are great 5% categories we do hope that Chase Freedom adds back Chase Pay and mobile payments for a full five percent cash back like they did in a few quarters in 2018. They drip out the announcements unlike Discover which have already announced theirs for 2019. Discover will run their 5% back on Gas and rideshare starting in April.
