The Citi PremierPass 20,000 Bonus ThankYou Points

Specifically designed for people who love traveling, the Citi PremierPass offers free bonus ThankYou points for clients who spend a specified amount within 3 months. This program is particularly attractive because it provides a variety of options for business travelers. The standard card has no annual fee while the Elite version has a $75 annual fee.

The regular Citi PremierPass offers 10,000 bonus points to clients who spend $300 in a 3 month timeframe. Meanwhile, the Citi PremierPass Elite Card offers as much as 20,000 bonus points for clients who spend $600 in a 3 month timeframe. The card’s 10,000 ThankYou points can be converted to $100 worth in gift cards from Macy’s, Gap, Overstock, and Sears. The 20,000 ThankYou points can be used for domestic coach flight that can be worth up to $400 in value (for fixed flight redemption schedule) with no black-out dates.

The rewards system of Citi PremierPass is also very generous. Card holders earn 1 ThankYou Point for every mile they fly and 1 point for every mile purchased with the card even those purchased by family and friends. There is also 1 point earned for each dollar spent (double points for purchases at gas stations and supermarkets).

Lending Club P2P – $25 Bonus

After the SEC shut down other P2P lenders, the LendingClub is probably one of the most reputable credit organizations currently operating. But many changes have taken place. For example, instead of directing “lending” to private borrowers, lenders are now “investing” in the notes issued by LendingClub. Certain restrictions have been added but there are benefits as well because the notes can now be traded in the secondary market.

The interest rates charged to borrowers can range from 7.37% to 20.11% depending on their credit grade. There is also a 0.6% late fee. Across all loans, the default rate is less than 3%. Bidding does not exist here, investors interested in lending see the rate, the credit grade given, and then decide whether they want to fund it. The loans you take can now be sold on the secondary market so it is possible to gain liquidity if you need it. Take note that there are certain eligibility requirements that must be met such as the income and net worth requirement.

LendingClub currently gives a $25 bonus to new lenders. After you get approved, the $25 bonus will appear on your account balance.

Dollar Savings Direct – A Division of Emigrant Direct and Emigrant Savings Bank

If you’re searching for the highest interest rate offers, it’s highly likely that you’ve encountered Dollar Savings Direct, an online savings bank that operates under the shadow of its more renowned cousins – the Emigrant Direct and the Emigrant Savings Bank. Until last year, this online bank was called BancoFortuna which is Emigrant’s attempt to tap into the Hispanic market.

It offered very high annual percentage yield (APY) but within several months, it became clear that the Hispanics was not the right market for this product. It was re-launched as Dollar Savings Direct. Even as an upstart, the Dollar Savings Direct already enjoyed relative successes with its promotions and high interest yields.

The Dollar Savings Direct has most of the key features available from Emigrant Direct accounts but with some important differences. Dollar Savings Direct basically has a higher APY interest rate compared to its counterpart. It is currently going steady at 4% APY. If your balance falls under the minimum, you can still earn 1% APY on your savings.