HSBC is offering a new HSBC Cash Rewards credit card with no annual fee and a $150 bonus when you spend $500 or more in the first 3 months from account opening. Additionally, you’ll get 2% cash back on purchases made within the first 6 months from Account opening, and 10% Anniversary Bonus on all Cash Rewards earned each year. The card also comes with no foreign transaction fees and other decent travel benefits.
We recently applied for this HSBC Cash Rewards Mastercard to earn $150 cash back after spending $500 in the first 3 months of account opening. This a really low spending requirement to make in three months of opening to get a $150 bonus. The process was easy with HSBC and we instantly got approved which was a relief because other banks such as BarclayCard and Chase have made it harder and harder lately. The credit limit was much lower than we would get with other banks but we only need to spend $500 so that’s more than OK.
2% cash back on purchases – You’ll make 2% cash back during the first 6 months from account opening then 1.5% cash back after those months are over.
10% Anniversary Bonus – Earn this bonus on all Cash Rewards earning each year.
The Drop App offers points on shopping purchases at top retailers including Amazon, Walmart, Target, various grocery stores and restaurants, and more. Just link your credit or debit card in the app, and you’ll earn up to 2% back in points, with the points redeemable for various merchant gift cards from Drop. You can sometimes earn more with the bonus offers such as with Boxed.com.
You have to link your credit and debit cards to the app so they can see where you spent money. Then you’ll earn Drop points to redeem for gift cards at select retailers. Points can only be earned at the five specific retailers you choose from the list (full list below). After initially choosing five stores, it’s not possible to change your selection. Choose your 5 stores carefully!
How to get a sign-up bonus from Drop and start earning cash back:
- Download the Drop app in the Android or Apple Store.
- Enter code gsb8q to start earning cash rewards and get a bonus of 1,000 points.
- Link a card by signing into your bank login for additional bonus points.
- Choose the five retailers where you want to earn points (see below).
Here’s a few of the available merchants to earn points from, and the point earnings rate for shopping with the Drop app:
- Uber – 10 points per $1 (1.5%)
- Lyft – 10 points per $1 (1.5%)
- Chipotle – 12 points per $1 (1.5%)
- Shell – 3 points per $1 (.3%) – You could double dip with this offer using the Fuel Rewards Program to save more money on gas purchases.
Other retailer’s for earning cash-back include:
- Walmart – 2 points per $1 (.2%)
- Seamless – 16 points per $1 (1.6%)
- HEB – 10 points per $1 (1%)
- Fred Meyers – 12 points per $1 (1.2%)
- Trader Joe’s – 12 points per $1 (1.2%)
- Peets – 8 points per $1 (.8%)
- Blue Bottle – 8 points per $1 (.8%)
- Macy’s – 8 points per $1 (.8%)
- Dunkin Donuts – 14 points per $1 (1.4%)
- Target – 8 points per $1 (.8%)
- Urban Outfitters – 15 points per $1 (1.5%)
- Bath Body Works – 15 points per $1 (1.5%)
- Whole Foods – 8 points per $1 (.8%)
- Safeway – 8 points per $1 (.8%)
- 7-Eleven – 16 points per $1 (1.6%)
- Walgreens – 8 points per $1 (.8%)
- Starbucks – 12 points per $1 (1.2%)
- McDonalds – 8 points per $1 (.8%)
Personally, I eat at Chipotle and use Uber and Lyft quite a bit so this app has been giving me free gift cards for really doing nothing different. I also took part in a Boxed.com promotion they had and earned several extra dollars with the app.
It’s the one-time offers we really love with this app. Such as the Phil Pharmacy where you can earn 30,000 Drop points or $30 when you order for the first time the online Pharmacy. An Amazon bonus can get you 2,000 points or $2 on your next $20 purchase. We’ve also seen $75 for signing up with Wealthfront, $7.50 at Naturebox, and $20 back at Boxed.
Know the Point System
Any purchase made with a linked card at your 5 selected retailers will earn points. Each point is worth 1/10 of a penny. For example, 1,000 points is worth $1. When Drop says you’ll earn 20x per dollar on Amazon, that’s not 20% back, rather 2% back. And when you get a 1,000 point signup bonus, it’s not $10, rather $1. You basically move the decimal point over on the points three places to know what the dollar amount will be.
Points can be redeemed for gift cards
Here’s a few examples of redemption options:
- $5 Starbucks – 5,000 Points
- $10 iTunes – 10,000 Points
- $10 Amazon.com – 10,000 Points
- $20 Whole Foods Market – 20,000 Points
- $25 Lyft – 25,000 Points
One of the downsides is this does not like with all credit cards. We could not link it with our new Uber Visa from BarclayCard. Hopefully they get this glitch worked out since it’s where I put all of my dining and Uber purchases now.
Apps to Stack With This One
We recommend stacking this app with Ibotta and possibly Dosh. You could also use Ebates, coupons, and promo codes with this because it’s based on the overall card-linked purchase.
Dosh is a new card linked loyalty app where you link your debit or credit card and you receive credits for making purchases with Dosh partners. The credit can then be donated to charity or transferred to your bank account. They also have a travel section where you can earn credit for booking hotels, renting cars or booking activities.
Dosh has raised over $6 million in investments so we know this app may be around for awhile (at least a year- ha!). According to Dosh they have partnered with over 100,000 brands and merchants to offer their users opportunities to earn credits. Currently, it seems that the card-link offers on Dosh are either for restaurants or some retailers such as Forever 21, Hallmark stores, or Sam’s Club.
Card linked loyalty programs are no-brainers for the most part. You can connect your credit cards and do shopping without worrying about receipts like you do with Ibotta or clicking links like you do with Ebates. Dosh runs on Empyr, along with a number of other loyalty dining programs that run on that platform including MOGL, Living Social, Swagbucks, and Yelp. If you are signed up for Yelp Cash Back for example you cannot use Dosh with the same cards since they use the same backend network.
Find out more about the Dosh App here.
One great thing about a card linked loyalty programs is merchants cannot restrict what transactions do and don’t earn rewards. You can’t restrict a purchase that uses a coupon for example. Dosh aims to provide value to merchants by using geo-targeted offers which can also benefit the consumer. When there’s an offer in your area you’ll be alerted to that specific deal.
In our area we noticed that the Dosh app offers a few local deals that you do not see on Yelp or Swagbucks:
7% back at Hallmark stores
2% back at Sam’s Club (Wholesale Club) – You can double dip this with a Sam’s Club MasterCard.
10% back at Denny’s restaurants
You only need $15 in credits to redeem your “Dosh.” So the best best would be to try out the app and use it until you hit $15 and cash out and move onto another card-linked app in the network and get that bonus.
UBER has unleashed a new version of the Ride Pass and it will probably not be as limited with sign-ups as the previous ones. This is mainly because UBER seems to be making more money from the Ride Pass this time around and you can only select one route you want a flat fare on. Read more about our first review of Ride Passes here and about UBER Rideshare discounts here.
-$3.99 to Free Delivery Fee Paid One-Time by signing up for this Ride Pass.
-Possibly 20% off your rides
-It costs $9.99 instead of the $5.99 before they charged to sign up and you get less in return.
-In our tests in the Houston area we were not impressed that it was 20% off. The price may have been marked up as it seemed higher than normal fares.
-No real fare difference on the selected choice route but maybe a dollor or so. We’re not sure what the advantage of this Ride Pass is but we will test it more. (more…)
Silvercar Promo Codes
First-Time Renters of Silvercar can get $25 by signing up here with the referral code of VME in the Referral Section. If you are an existing customer we have a discount for you as well below.
Silvercar $25 Free Bonus & $39 Per Day Offer:
- Sign Up Now with referral code of VME for a first-time $25 Bonus.
- After you sign up then enter promo code BESTEVER to get $39 per day rental (First Time Renters).
- Valid: Limited time offer.
- Book: Using the mobile app or online book your reservation and use promotional code VME.
- Terms: You must be a new customer.
Silvercar Seattle, WA Promo
Right now, when you book one of our fully-loaded Audi A4’s in Seattle, you can take 40% off most rentals returned by December 20th. Just enter promo SEA40OFF at checkout! First time riders can stack this with the $25 by signing up here with the referral code of VME.
Silvercar Rental Review
I first learned about Silvercar when they came to Dallas a few years ago but never really had a need for them because they were not in a city I had planned to rent a car in until now. I’ve seen all the sites from Ebates to Retailmenot posting promo codes but never really understood how the car rental site worked compared to Budget or Hertz.com.
Pretty sure I have the hang of it now and just in time for a last minute July 4th Vacation in Denver, CO. I have been so worried about this trip because my family will be outside of Denver and I will need a rental car of some kind. So I researched on Kayak.com and then over on the Citi Thank You points site. I also looked over at Budget.com where I am used to putting in coupon codes to save 20% or so.