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Why I Canceled The American Express Centurion Card (aka The Black Card)

September 22, 2025 by John Pham
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The American Express Centurion Card, also known as the “The Black Card”, is a hard-to-get, invitation-only card that’s highly coveted among credit card enthusiasts. So why did I cancel the card when so many people want to get it? I’ve had this card since 2003, back …

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Why the Bank of America Premium Rewards Card is a Game-Changer

September 23, 2025September 21, 2025 by John Pham
Why The Bank of America Premium Rewards Card Is A Game Changer featured image

Today, we’re diving into one of the most powerful and often misunderstood credit card setups in the personal finance world. On its own, the Bank of America® Premium Rewards® credit card looks like a solid, but maybe not spectacular, choice. But what if I told you …

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RebatesMe $45 Sign-Up Bonus (Highest Ever)

September 17, 2025 by John Pham
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RebatesMe is offering a $45 sign-up bonus when you join using our exclusive referral code. The welcome bonus is normally $5, so my promo code gets you 9x as much thanks to our partnership with RebatesMe. Learn how to get this $45 bonus below. And, for …

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TopCashback Referral Bonus: $25 Sign-up Offer + $35 Referrals

September 10, 2025September 9, 2025 by John Pham
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Get a $25 bonus when you open a TopCashback account with my exclusive referral link and earn at least $10 in cash back. No promo code or referral code required. The bonus will be deposited into your account once you earn a total of $10 in …

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Seated Promo Code NINJA1 Gives You $70 in Extra Rewards

September 30, 2025August 25, 2025 by John Pham
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You can now earn up to $70 as a new Seated app user or up to $20 for existing customers using the Seated promo code NINAJ5 and other codes below! This is on top of the regular rewards you’ll earn for dining out. What is Seated? …

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Instacart Bonuses: $10 Off, 1 Year $0 Delivery Fee, $20/Monthly Credits

August 24, 2025August 24, 2025 by John Pham
Instacart Promo Code

Use an Instacart promo code on your next order and save money! Below is a list of current promo codes available – we’ll update this post with active codes for both new and existing Instacart users. New to Instacart? Get $10 off your first order or …

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Last Bottle Wine: $10 Welcome Offer, $30 Referral Credits

August 21, 2025August 20, 2025 by John Pham
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Last Bottle Wines is giving new users a $10 credit on their first purchase. Already a customer? Refer a friend to Last Bottle and earn $30 in credits! For every person you invite, they’ll get $10 credit and you’ll get a $30 credit when they make …

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Flashfood Referral Code JOHN4543H Gives You $5 Bonus

August 11, 2025August 7, 2025 by John Pham
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Flashfood referral code “JOHN4543H” gives you a $5 bonus! Get $5 off your first purchase of $7 or more. Once you have an account, refer friends to the Flashfood app and earn a $5 referral bonus for each friend that joins! Full details of Flashfood’s referral …

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Maximizing Credit Card Rewards: Best Card To Use Per Spending Category

August 1, 2025July 28, 2025 by John Pham
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I signed up for my first credit card as soon as I turned 18, and have opened hundreds of them over the past 20+ years to maximize cashback, points, and miles. In total, I’ve earned more than a million dollars in cash and rewards, in large …

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Hilton Grand Vacations Offer: $199 for 3 Nights + 25,000 Hilton Points

July 24, 2025 by John Pham
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Hilton is offering a heavily discounted vacation and 25,000 free Hilton Honors points in exchange for sitting through a sales presentation on Hilton’s Grand Vacations timeshare program. Hilton Vacation Offer: Discounted Stay + 25,000 Hilton Points You can enjoy a 3-night getaway at top vacation destinations …

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