Credit Card Bonuses 2019

Save money on purchases and get cash back with coupon codes and the following credit cards:

Citi Dividend Card

• 5% cash back 1/1/19 - 3/31/19: Gas Stations & The Home Depot
• 5% cash back 4/1/19 - 6/30/19: Drugstores & Fitness Clubs
• 5% cash back 7/1/19 - 9/30/19: Airlines & Car Rentals
• 5% cash back 10/1/19 - 12/31/19: Best Buy & Department Stores
• 1% on everything else.

Discover Card

• 5% cash back 1/1/19 - 3/31/19: Grocery Stores
• 5% cash back 4/1/19 - 6/30/19: Gas Stations, Uber and Lyft
• 5% cash back 7/1/19 - 9/30/19: Restaurants
• 5% cash back 10/1/19 - 12/31/19: Amazon.com
• up to 1% on everything else.

Barclaycard Arrival World MasterCard (Travel Rewards)

• 2.1% on travel and dining
• 1.05% on everything else.
• No annual fee.

BankAmericard Cash Rewards

• 3% on gas
• 2% at grocery stores and wholesale clubs (including Costco)
• 1% on everything else.
• No annual fee.
• Note: Rewards are worth more if you deposit them into a Bank of America account.

Costco Anywhere Visa Card

• 4% on gas
• 3% on restaurants and travel
• 2% at Costco
• 1% on everything else.
• There is no annual fee, however you must be a Costco member.

Citi ThankYou Card

• 2X points on Dining Out & Entertainment
• 1X points on everything else.

Barclaycard Arrival Plus World MasterCard (Travel Rewards)

• 2.1% on travel and dining
• 2.1% on everything else.
• ($89 annual fee after first year)

PFS

Money Market Rates October 2018

Here are the latest money market interest rates of the banks that I've been tracking on my blog. Note that these rates are sorted by APY, and represent institutions that I have accounts at, or have otherwise mentioned in my blog:

2.00% FNBO Direct Online Savings
1.95% Marcus by Goldman Sachs (GS Bank) Online Savings
1.90% Ally Bank Online Savings
1.90% American Express High Yield Savings
1.90% Discover Bank Online Savings
1.85% Capital One 360 Money Market
0.50% Unify FCU Money Market
0.04% Citibank Savings Account
0.04% Chase Plus Savings

In some cases, MMA interest rates are tiered. If this is the case, I usually report the interest rate at the $10,000 tier in these updates. Rates are believed to be accurate as of 10/19/18. I did not include banks that had special, or introductory rates in the list because they are not ongoing interest rates. I am also not including non-liquid accounts such as CD's in the list. I have included one credit union in the list so that readers have a comparison point with banks.

Several of the high end MM accounts are now offer a rate of 1.90% to 2.00%. The interest rates are now very competitive, and I expect that will be a trend for a while.

The frequent changes show how variable the money market is. Because this is a constantly moving target, it has been very hard to keep track of the rates that I've been getting in my various money market accounts, and this is the main reason I've decided to compile a list of these annual percentage yields.

So, that is the latest list of money market rates. Please let me know if you know of any higher interest rates.

PFS

Money Market Rates August 2018

Here are the latest money market interest rates of the banks that I've been tracking on my blog. Note that these rates are sorted by APY, and represent institutions that I have accounts at, or have otherwise mentioned in my blog:

1.85% Marcus by Goldman Sachs (GS Bank) Online Savings
1.85% FNBO Direct Online Savings
1.85% Capital One 360 Money Market
1.80% Ally Bank Online Savings
1.80% American Express High Yield Savings
1.75% Discover Bank Online Savings
0.50% Unify FCU Money Market
0.04% Citibank Savings Account
0.04% Chase Plus Savings

In some cases, MMA interest rates are tiered. If this is the case, I usually report the interest rate at the $10,000 tier in these updates. Rates are believed to be accurate as of 8/29/18. I did not include banks that had special, or introductory rates in the list because they are not ongoing interest rates. I am also not including non-liquid accounts such as CD's in the list. I have included one credit union in the list so that readers have a comparison point with banks.

Several of the high end MM accounts are now offer a rate of 1.75% to 1.85%. The interest rates are now very competitive, and I expect that will be a trend for a while.

The frequent changes show how variable the money market is. Because this is a constantly moving target, it has been very hard to keep track of the rates that I've been getting in my various money market accounts, and this is the main reason I've decided to compile a list of these annual percentage yields.

So, that is the latest list of money market rates. Please let me know if you know of any higher interest rates.

PFS

Money Market Rates July 2018

Here are the latest money market interest rates of the banks that I've been tracking on my blog. Note that these rates are sorted by APY, and represent institutions that I have accounts at, or have otherwise mentioned in my blog:

1.80% Marcus by Goldman Sachs (GS Bank) Online Savings
1.75% FNBO Direct Online Savings
1.75% Ally Bank Online Savings
1.75% American Express High Yield Savings
1.75% Discover Bank Online Savings
1.75% Capital One 360 Money Market
0.50% Unify FCU Money Market
0.04% Citibank Savings Account
0.04% Chase Plus Savings

In some cases, MMA interest rates are tiered. If this is the case, I usually report the interest rate at the $10,000 tier in these updates. Rates are believed to be accurate as of 7/11/18. I did not include banks that had special, or introductory rates in the list because they are not ongoing interest rates. I am also not including non-liquid accounts such as CD's in the list. I have included one credit union in the list so that readers have a comparison point with banks.

Several of the high end MM accounts are now offer a rate of 1.75%. This rate is higher than most of the short-term (1 year or less) CDs that I could find. I have a couple of CD accounts that I will now consider closing at maturity or sooner. The interest rates are now very competitive, and I expect that will be a trend for a while.

The frequent changes show how variable the money market is. Because this is a constantly moving target, it has been very hard to keep track of the rates that I've been getting in my various money market accounts, and this is the main reason I've decided to compile a list of these annual percentage yields.

So, that is the latest list of money market rates. Please let me know if you know of any higher interest rates.

PFS

Credit Card Bonuses Q3 2018

Save money on purchases and get cash back with coupon codes and the following credit cards:

Citi Dividend Card

• 5% cash back 7/1/18 - 9/30/18: Airline & Movies
• 5% cash back 10/1/18 - 12/31/18: Best Buy & Department Stores
• 1% on everything else.

Discover Card

• 5% cash back 7/1/18 - 9/30/18: Restaurants
• 5% cash back 10/1/18 - 12/31/18: Amazon.com & Wholesale Clubs
• up to 1% on everything else.

Barclaycard Arrival World MasterCard (Travel Rewards)

• 2.1% on travel and dining
• 1.05% on everything else.
• No annual fee.

BankAmericard Cash Rewards

• 3% on gas
• 2% at grocery stores and wholesale clubs (including Costco)
• 1% on everything else.
• No annual fee.
• Note: Rewards are worth more if you deposit them into a Bank of America account.

Costco Anywhere Visa Card

• 4% on gas
• 3% on restaurants and travel
• 2% at Costco
• 1% on everything else.
• There is no annual fee, however you must be a Costco member.

Citi ThankYou Card

• 2X points on Dining Out & Entertainment
• 1X points on everything else.

Barclaycard Arrival Plus World MasterCard (Travel Rewards)

• 2.1% on travel and dining
• 2.1% on everything else.
• ($89 annual fee after first year)

PFS

Money Market Rates Higher than Some CDs

Here are the latest money market interest rates of the banks that I've been tracking on my blog. Note that these rates are sorted by APY, and represent institutions that I have accounts at, or have otherwise mentioned in my blog:

1.60% FNBO Direct Online Savings
1.60% Marcus by Goldman Sachs (GS Bank) Online Savings
1.60% Capital One 360 Money Market
1.60% Ally Bank Online Savings
1.55% American Express High Yield Savings
1.50% Discover Bank Online Savings
0.20% Unify FCU Money Market
0.04% Citibank Savings Account
0.04% Chase Plus Savings

In some cases, MMA interest rates are tiered. If this is the case, I usually report the interest rate at the $10,000 tier in these updates. Rates are believed to be accurate as of 5/11/18. I did not include banks that had special, or introductory rates in the list because they are not ongoing interest rates. I am also not including non-liquid accounts such as CD's in the list. I have included one credit union in the list so that readers have a comparison point with banks.

So, the high end of these MM rates is now at 1.60%. This rate is higher than most of the short-term (1 year or less) CDs that I could find. I have a couple of CD accounts that I will now consider closing at maturity or sooner.
* Note: I could no longer find the non-promotional rate for Popular Direct, so I deleted it.

Several other banks have bumped up their money market rates and most of the ones in my list are now paying 1.50% or more. The interest rates are now becoming competitive, and I expect that will be a trend for a while.

The frequent changes show how variable the money market is. Because this is a constantly moving target, it has been very hard to keep track of the rates that I've been getting in my various money market accounts, and this is the main reason I've decided to compile a list of these annual percentage yields.

So, that is the latest list of money market rates. Please let me know if you know of any higher interest rates.

PFS

Money Market Rates April 2018

Here are the latest money market interest rates of the banks that I've been tracking on my blog. Note that these rates are sorted by APY, and represent institutions that I have accounts at, or have otherwise mentioned in my blog:

1.65% Popular Direct Savings*
1.60% FNBO Direct Online Savings
1.60% Marcus by Goldman Sachs (GS Bank) Online Savings
1.60% Capital One 360 Money Market
1.55% American Express High Yield Savings
1.50% Discover Bank Online Savings
1.45% Ally Bank Online Savings
0.20% Unify FCU Money Market
0.04% Citibank Savings Account
0.04% Chase Plus Savings

In some cases, MMA interest rates are tiered. If this is the case, I usually report the interest rate at the $10,000 tier in these updates. Rates are believed to be accurate as of 4/25/18. I did not include banks that had special, or introductory rates in the list because they are not ongoing interest rates. I am also not including non-liquid accounts such as CD's in the list. I have included one credit union in the list so that readers have a comparison point with banks.
* Note: I could not find the non-promotional rate for Popular Direct.

Several other banks have bumped up their money market rates and most of the ones in my list are now paying 1.45% or more. The interest rates are now becoming competitive, and I expect that will be a trend for a while.

The frequent changes show how variable the money market is. Because this is a constantly moving target, it has been very hard to keep track of the rates that I've been getting in my various money market accounts, and this is the main reason I've decided to compile a list of these annual percentage yields.

So, that is the latest list of money market rates. Please let me know if you know of any higher interest rates.

PFS

Credit Card Bonuses March 2018

Save money on purchases and get cash back with coupon codes and the following credit cards:

Citi Dividend Card

• 5% cash back 4/1/18 - 6/30/18: The Home Depot & Home Furnishing Stores
• 5% cash back 7/1/18 - 9/30/18: Airline & Movies
• 5% cash back 10/1/18 - 12/31/18: Best Buy & Department Stores
• 1% on everything else.

Discover Card

• 5% cash back 4/1/18 - 6/30/18: Grocery Stores
• 5% cash back 7/1/18 - 9/30/18: Resaurants
• 5% cash back 10/1/18 - 12/31/18: Amazon.com & Wholesale Clubs
• up to 1% on everything else.

Barclaycard Arrival World MasterCard (Travel Rewards)

• 2.1% on travel and dining
• 1.05% on everything else.
• No annual fee.

BankAmericard Cash Rewards

• 3% on gas
• 2% at grocery stores
• 2% at wholesale clubs (including Costco)
• 1% on everything else.
• No annual fee.

Costco Anywhere Visa Card

• 4% on gas
• 3% on restaurants and travel
• 2% at Costco
• 1% on everything else.
• There is no annual fee, however you must be a Costco member.

Citi ThankYou Card

• 2X points on Dining Out & Entertainment
• 1X points on everything else.

Barclaycard Arrival Plus World MasterCard (Travel Rewards)

• 2.1% on travel and dining
• 2.1% on everything else.
• ($89 annual fee after first year)

PFS

Money Market Rates February 2018

Here are the latest money market interest rates of the banks that I've been tracking on my blog. Note that these rates are sorted by APY, and represent institutions that I have accounts at, or have otherwise mentioned in my blog:

1.50% Popular Direct Savings
1.50% Marcus by Goldman Sachs (GS Bank) Online Savings
1.50% Capital One 360 Money Market
1.45% American Express High Yield Savings
1.45% Ally Bank Online Savings
1.40% FNBO Direct Online Savings
1.40% Discover Bank Online Savings
0.20% Unify FCU Money Market
0.04% Citibank Savings Account
0.04% Chase Plus Savings

In some cases, MMA interest rates are tiered. If this is the case, I usually report the interest rate at the $10,000 tier in these updates. Rates are believed to be accurate as of 2/21/18. I did not include banks that had special, or introductory rates in the list because they are not ongoing interest rates. I am also not including non-liquid accounts such as CD's in the list. I have included one credit union in the list so that readers have a comparison point with banks.

Several other banks have bumped up their money market rates and most of the ones in my list are now paying 1.40% or more. The interest rates are now becoming competitive, and I expect that will be a trend for a while.

The frequent changes show how variable the money market is. Because this is a constantly moving target, it has been very hard to keep track of the rates that I've been getting in my various money market accounts, and this is the main reason I've decided to compile a list of these annual percentage yields.

So, that is the latest list of money market rates. Please let me know if you know of any higher interest rates.

PFS

Money Market Rates January 2018

Here are the latest money market interest rates of the banks that I've been tracking on my blog. Note that these rates are sorted by APY, and represent institutions that I have accounts at, or have otherwise mentioned in my blog:

1.50% Popular Direct Savings
1.50% Marcus by Goldman Sachs (GS Bank) Online Savings
1.40% FNBO Direct Online Savings
1.40% Discover Bank Online Savings
1.40% Capital One 360 Money Market
1.35% American Express High Yield Savings
1.35% Ally Bank Online Savings
0.20% Unify (fmr. Western) FCU Money Market
0.04% Citibank Savings Account
0.04% Chase Plus Savings

In some cases, MMA interest rates are tiered. If this is the case, I usually report the interest rate at the $10,000 tier in these updates. Rates are believed to be accurate as of 1/19/18. I did not include banks that had special, or introductory rates in the list because they are not ongoing interest rates. I am also not including non-liquid accounts such as CD's in the list. I have included one credit union in the list so that readers have a comparison point with banks.

Several other banks have bumped up their money market rates and most of the ones in my list are now paying 1.35% or more. I expect that some increase will become a trend for a while. What surprised me is that Ally Bank used to be consistently near the top of the list, but now it is trailing the leading banks by 15 basis points.

The frequent changes show how variable the money market is. Because this is a constantly moving target, it has been very hard to keep track of the rates that I've been getting in my various money market accounts, and this is the main reason I've decided to compile a list of these annual percentage yields.

So, that is the latest list of money market rates. Please let me know if you know of any higher interest rates.

PFS