In January  I blogged about a credit card offer from Citicard that I couldn't refuse: Spend $3,000 in 90 days and get a $500 bonus. In cash, not merchandise credit. I called Citicard trying to uncover the fine print, but they assured me that I would get a $500 check if I spent the $3,000 in 90 days on the no-annual-fee card.


Last week I hit the $3,000 mark, thanks in part to a small remodeling project. I called Citi customer service and asked to have the check sent. The rep surprised me by congratulating me and saying she would order the check right away. Even though I have not even paid the full $3,000 yet, my check arrived yesterday.


Kudos to Citibank for offering a generous bonus without any strings attached. It's a no-annual fee card and the interest rate was a reasonable 16.99 percent, even though I will pay off the balance in full.

I'm sorry to say that the offer expired in December, but check some of the other offers at Spokeswoman Beverly Harzog recommended several cards that are still available including a Chase Sapphire Preferred Credit card which gives you 50,000 bonus points after you spend $3,000 within the first three months. The points can be redeemed for a $500 check or $625 toward travel expenses. But it has a $95 annual fee but is free the first year.

 Harzog also mentioned several $200 cash back offers going on now. Chase Freedom Visa the $200 back if you spend $500 in the first three months. A Citi Dividend Platinum Select Visa card offers the same deal.  One caveat: You have to have really good credit to qualify. A score of 700 minimum and maybe even over 760 in some cases, said Harzog.