Tag Archives: reward

Chevrolet / GM fan? Here’s A Credit Card I Recommend….

If you’ve read my blog a little you may know that I don’t recommend applying for more than one or two credit cards per year, sometimes not even a single one, but if you are in the market for a card right now I’ve got a recommendation for you. If you’re a fan of Chevy / General Motors cars, it’s even a more valuable suggestion.

Now first off I am well aware of the variety of regular, good old cash back credit cards that there are. There are actually a few I already recommend, and a few I am looking into this year. This blog post, however, is a different story. If you’re looking for a simple way to set aside extra cash to purchase a new car that you can earn simply from purchasing what you already would have anyway, then the Capital One BuyPower Card may be just what you are looking for.

I originally found the BuyPower Card through a mailing I received, at a time when I was ready to open a new account. I am a big fan of Chevy cars; over the years I have owned a Corsica, a Cavalier, a Cobalt, and the car I currently own which I bought brand new, a Cruze. Therefore I can pretty much guarantee you that my next car will also be a Chevy (likely another Cruze).

With the BuyPower Card you earn money off of every purchase that gets set aside for you when you are ready to get a new car at your local dealer. For the first $5,000 in purchases every year, you can earn 5% cash back towards a vehicle purchase, for a total of $250 a year you can possibly earn. After the first $5,000 in purchases, you can earn an unlimited 2% on everything else. Since I got my BuyPower card I have made sure to at least max out the first $5,000 in purchases every year. One of my favorite things to use it for is when I get service done at my local dealership. After spending the first $5,000 each year I will use the next card I have available, usually with the highest cash back, but not always depending on that month’s budget and goals. Never forget, the secret is ALWAYS paying off your credit card balance every month. Pay MOST of it BEFORE the cycle even ends to keep your utilization low!

Cards where you can earn a certain reward certainly aren’t new, as there is a Disney card out there and a bunch of others. This one, being that I am a big Chevy fan, to me was something that I just had to have in my wallet. Two more big selling points for me were that there is no annual fee, and the earnings you receive don’t expire. So for example you could cash in $200, if that is what you earned, next year. Or you could save for the next 15 years and cash in $6,000, if that is how much you are able to earn. I am planning on doing something similar to the second example, as it being just extra money I earn I’d love to use it for a “mostly free” car down the road (or at a big discount, nonetheless).

Capital One makes it easy to track your earnings, and the balance gets updated every month. If you are interested in checking out this card, head on over to https://www.buypowercard.com/.

Soon I’ll share some of the other cash back/reward cards I recommend. Some of which aren’t actually “credit cards.” I’ll share at least one of those soon. If you have any questions or comments PLEASE feel free to leave them below and I will respond!

THANKS again!

Brent Ott

Save Money with Grocery Store & Gas Station FREEBIES & Reward Programs

My girlfriend and I have always been a big fan of both grocery store & gas station reward programs, in addition to others at restaurants, coffee shops, etc… We always will be regardless of how much money we may have saved, and you should be as well! Let’s face it, every penny and dollar saved really does add up.

I figured that I would share a recent haul with you, and I plan on doing more similar things in the future. Everything you see pictured comes from two of our favorite places for reward programs, Giant Food Stores & Sheetz Gas StationEverything cost only $6.01, including the lottery ticket which we had a “free ticket” winning ticket which we cashed in for! (Off of this one we won another free ticket!)

I really enjoy Giant first off because they have an online & app coupon program, in which you can load offers directly to your store reward card. They often send complete freebies which you can load. Usually there are certain dates which you need to load the offer by, and redeem the offer by, but it is well worth the effort especially for something completely free! Like most grocery store reward cards they also offer points you receive for certain dollar amounts spent, which you can redeem for gas rewards and other offers especially around the Holiday Season. We take advantage of several of these local programs.

Sheetz is similar, although different, and very unique for a gas station. First off, every so often they instantly load a complete freebie to your reward card, which usually you receive an email for in advance. They also offer earned freebies for every so many purchases of a particular item you make. One example is for every 10 coffees purchased you get one free. They have similar offers for salads, subs, and a variety of other items. Sheetz is unlike many other gas stations as they have a built-in Made-to-Order food section/restaurant in some locations.

This haul came the other night after I picked my girlfriend up and we were headed home. We decided to swing by both Giant & Sheetz quick, and spent maybe 45 minutes total in both locations before heading home. Here’s how the $6.01 haul broke down…….

  • Hershey’s Pudding: Regular priced $2.50 at Giant with $0.75 actual coupon and a $0.75 coupon loaded onto our card = $1
  • Campbell’s Yes! Soup: FREE with loading onto our Giant card!
  • Silk Cashew Milk: FREE with loading onto our Giant card!
  • Nature Valley Almond Butter Bisquits: Regular priced $2.50 ON SALE at Giant with $1 coupon loaded onto our card = $1.50
  • To-Go General Tso’s Chicken:  $3.51 not on sale, my girlfriend just wanted it! Happy girlfriend/wife, happy life!
  • Lottery Ticket: FREE with cashed in winning ticket. We don’t often play lottery, and I wouldn’t recommend doing so, but sometimes we give it a go anyway! You gotta live!
  • 16 oz. Coca-Cola: FREE with freebie loaded onto our Sheetz card!

As you see, total cost paid = $6.01!

Most of the time we just pick up freebies when we already were going grocery shopping, getting gas, or heading to whatever store the discount is for, but in this case the free soup was expiring that night so we made an exception. We religiously only try and do one shopping trip per week, at least for groceries. With running our individual businesses, a lot of the time we have several trips per week to make for various things.

Bottom line, don’t forget about using your local grocery store and other reward programs! Get the card, learn the rules, and don’t forget that in most cases you can stack actual physical coupons on top of the loaded ones for even greater savings! THANK YOU for reading, and if you have any questions, comments, suggestions, ANYTHING.. LEAVE THEM BELOW!

Thanks again!

Brent Ott