Banana Republic CC Offer

Banana Republic sent me an email with an interesting offer. If I added an Authorized User to my credit card account, they would give me a $10 Reward Certificate.

Check your email if you got this offer. According to the email, you can add the "authorized user" in your online profile or calling 1-800-234-7455.

I am going to pass on this offer, because I don't have anyone to add as authorized user. If you got this offer, I would consider adding one of your college-aged students to your account. By adding your child, you can help build there credit. Afraid that they might use the credit card inappropriately? Don't give them the card to use. On the flip side, do not add your child without there permission. Too many of my young mortgage applicants have credit cards on their credit reports that they don't know about. Most of them were credit cards that they were authorized users on from their parents. While it helps build their credit, it can hurt them.

Did you get this offer?

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Earn 3X with Your Banana Republic Card

Banana Republic is at it again. They want us to use our cards. This is the third or fourth time this year that Banana has offered some bonus for using the credit card outside of their brand stores. I received this mailer last week:

This promotion is 3x the points for using the card anywhere outside of the Gap/Banana/Old Navy brands. 1000 points = $10 gift certificate or $334 spent anywhere, but the brands.

Its not a promotion that I am going to participate in. I can spend $333 on a different card and earn much more. However, I highly recommend getting this card, because it has no annual fee (ie great for building a credit history) and I have saved a ton of money. Banana Republic sent me an email showing me that I have saved $368 since January.

Again, not the best promotion out there in regards to earning points, but definitely consider getting the card.

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Always Open Your Mail

Earlier this week, I came home from work and quickly through my mail in a pile. I never check the mail the day I receive it. Don't know why I do this, but it has become a part of my normal routine.

I was going disregard this flyer from Banana Republic, but I am happy I took a second look

The flyer offered me a $20 Reward Card if I used my Banana Republic Visa card 4 times outside of their stores before October 31, 2012. The details are here:

Looks like the Banana Republic card is going back into the wallet for a few days. $20 to spend at Banana Republic for swiping the credit card four times is to easy.

Why do I talk about this on a travel points blog? 

In the past, some of the best credit card sign-up bonuses have been sent via mail. For example, I received an offer for 50,000 bonus miles for getting the United Explorer Card. At the time, the best published offer was 40,000 miles. 

Chase has made it somewhat easier by creating this website. By going to this website, you can see if you have been targeted by Chase for any offers.

 Lesson Learned: Always open all of your mail in a timely manner. If something comes from a credit card company, open it up. It may be a sign-up bonus offer or bonus miles for spending in certain categories  Either way, it could mean more miles for you.