Bank of America customers: Have you signed up for BankAmeriDeals yet? BankAmeriDeals allows you to pick and choose which deals you want at your preferred stores & restaurants online. The cash back you earn is automatically credited to your account the following month.

To participate, just log into Online Banking and click the Cash Back Deals tab. Then, activate your deal and use your Bank of American credit or debit card and just shop or dine as your normally do. BankAmeriDeals:

• is absolutely free
• does not require clipping, printing, or downloading
• you can also set e-mail and text alerts to remind you of new deals or when your current ones are set to expire
• is also available in the Bank of American Mobile Banking App.

FOOTBALL FANS, make this NFL season epic with Visa NFL Fan Offers. Enroll your Visa card in Visa NFL Fan Offers and be entered to win coveted gameday (including Super Bowl XLVIII!) tickets, interviews, autographed merchandise, and more epic NFL experiences. The more you use your enrolled Visa card, the more chances you have to win! Also get discounts on EA Sports Madden NFL 13 and other participating merchants.

Who’s got the new iOS 6? Those who do can easily access their American Express account information on the go with American Express Pass for Apple Passbook. You’ll receive automatic transaction notifications, account balance, and customer service information, all in the palm of your hand. Just visit amexpassbook.com on your iOS 6 device and register.

Happy October! Today is the start of the 4th quarter. Have you activated your quarterly deals yet? Here’s quick summary of Discover, Chase Freedom, and Citi Dividend’s 4th quarter deals of 2012.

• Discover Card: 5% Cashback Bonus on department stores & online holiday shopping. Up to $75 cash back ($1,500 in purchases)
• Chase Freedom: 5% cash back on hotel, airline, Best Buy, and Kohl’s purchases. Up to $75 cash back ($1,500 in purchases)
• Citi Dividend: 5% cash back on electronic stores, toy stores, and Macy’s purchases

New Virgin American Visa Signature cardholders are eligible for 25,000 bonus points. After the first purchase/balance transfer and $49 annual fee, 20,000 bonus points will be awarded. Up to 5,000 bonus points will also be awarded after doing a balance transfer within the first 30 days. The 25,000 points can be exchanged for up to 10 one-way flights. Point redemption is based on fare, destination, date, and more.

• Annual $150 off companion ticket
• 10,000 elevate status points awarded with $25,000 in everyday purchases
• 3 points/$ on Virgin American purchases
• 1 point/$ on all other purchases
• Terms may differ for Virgin American Visa Signature card with no annual fee

Sign up for Serve, add $25+ to your account by December 31st & get $25 statement credit! Serve is a digital prepaid account from American Express that provides their users with a safe way to pay in stores, online, and mobile. Users can also send & request money on Facebook. Not only can you use your Serve card to pay anywhere where American Express Cards are accepted, but you can easily move money on the go, easily split the bill, or pay a friend back.

You can also create sub accounts for family and friends. You account can be funded with a bank account, American Express, Discover, MasterCard, or Visa card. Be aware that there are $2 ATM fees, but the first withdrawal each month is free.

Golf fans take note: use your synced Amex card to make a $30+ purchase at Ryder Cup Matches or shop.pga.com and get $10 statement credit. To take advantage of this deal:

• you must have an American Express Card that is synced with Twitter (see sync.americanexpress.com/twitter for more details on how to sync your Card)
• you must tweet using hashtag “#AmexGolfOffer”
• make sure you receive an “@ reply” message from @amexsync stating that this offer has been added to your synced Card
• AND then use your synced card to make a single purchase of $30+ on onsite concession/merchandise purchases at Ryder Cup Matches or at shop.pga.com any time before 10/1/2012

For even more American Express Twitter deals, check out our other posts!

No coupon code needed; just use your AmEx card and your statement credit will automatically be applied to your account. Limit of one offer per qualifying card. Statement credit issued within 3-5 business days after your qualifying purchase, but it could take up to 2 billing periods to be posted on your account.

Register for a Citi ThankYou Premier Card and you can get 2x ThankYou Points for the first 24 months. Other advantages of enrolling with this card include:

• 1 ThankYou Point per $ spend on purchases (after the 24 months)
• 20% bonus (1.2 ThankYou Points) per $ spent @ supermarkets, drugstores, gas stations, commuter transportation, and parking merchants (after the 24 months)
• Annual complimentary domestic companion ticket
• Anniversary bonus points, dependent on membership
• 33% more value for points when redeemed for airfare
• Bonus points for flying
• No foreign transaction fee
• No points caps or expiration of points

Dividend Miles members who use their MasterCard to book US Airways flights can receive DOUBLE MILES. Flights must be booked by the end of October for travel by the end of the year. Any regular MasterCard can be used to get double base miles & a Dividend Miles MasterCard will earn you double Preferred-qualifying miles. Must book through USAirways.com with a registered account. Bonus miles will be awarded 6-8 weeks after travel.

Citi Dividend cardholders can now begin to register to earn 5% cash back from October 1st-December 31st. Cash back valid on purchases made at Macy’s, electronic stores, and toy stores. To enroll, you must log onto your online account and click on the 5% cash back offer or dial 1-800-231-0891.

Non Citi Dividend cardholders can apply for one. Benefits include:

• $150 cash back after $500 in purchases within the first 3 months of account opening
• No annual fee
• 0% Intro APR on purchases & balance transfers for 12 months (12.99%-22.99% thereafter)
• 1% cash back on all other purchases

Citi Dividend also offers an option for college students who want to do more than build their credit. Benefits include:

• No annual fee
• No cosigner required
• 0% Intro APR on purchases for 7 months (12.99%-20.99% thereafter)
• 5% cash back on gas stations, supermarkets, drugstores, and utilities for 6 months
• At least 2% cash back in popular rotating categories (restaurants, apparel, etc.)
• 1% cash back on all other purchases
• Average of 5% additional cash back at over 400 leading retailers through the Citi Bonus Cash Center
• Free credit education tips & tools to help with money management
• $0 liability on unauthorized purchases

Chase Freedom cardholders: Activate the 5% cash deal NOW for October 1-December 31! For these months, you will earn 5% cash back on hotel, airline, Best Buy, and Kohl’s purchases. There is a limit of $1,500 spend in these categories, which translates to a limit of $75 back. Don’t forget that you earn 1% cash back on all other purchases too! Last day to activate is December 14th.

Sign up for a Citi Forward Visa Card to get a FREE year of Netflix streaming. Just use your Citi Forward Card to pay for your monthly subscription. For each month, you will get a statement credit covering the cost of your membership, up to $10/month.

Citi Forward cards also have no annual fee. ThankYou points for the Citi Forward card are awarded as follows:

• 5 per $ spent at restaurants & on entertainment
• 1 per $ on all other purchases
• 1,200 bonus points per year for paying on time & staying under the credit limit (100 per billing period)
• 1,000 bonus points when you sign up for Paperless Statements within the first 3 months
• 9,000 bonus points when you spend $650 within the first 3 months

Shop at TheFancy.com with your synced American Express card and get $20 back on a $100+ purchase. To take advantage of this deal:

• you must have an American Express Card that is synced with Twitter (see sync.americanexpress.com/twitter for more details on how to sync your Card)
• you must tweet using hashtag “#AmexTheFancyOffer”
• make sure you receive an “@ reply” message from @amexsync stating that this offer has been added to your synced Card
• AND then use your synced card to make a single purchase of $100+ at TheFancy.com any time before 9/30/2012

For even more American Express Twitter deals, check out our other posts!

No coupon code needed; just use your AmEx card and your statement will automatically be applied! Limit of one offer per qualifying card. Statement credit should be issued within 3-5 after your qualifying purchase, but it could take up to 2 billing periods to be posted on your account.

Spend $100 in a single purchase at SkyAuction.com using your synced American Express card and get $50 back (50% back!). To take advantage of this deal:

• you must have an American Express Card that is synced with Twitter (see sync.americanexpress.com/twitter for more details on how to sync your Card)
• you must tweet using hashtag “#AmexSkyAuctionOffer”
• make sure you receive an “@ reply” message from @amexsync stating that this offer has been added to your synced Card
• AND then use your synced card to make a single purchase of $100+ at SkyAuction.com any time before 12/04/2012

For even more American Express Twitter deals, check out our other posts!

No coupon code needed; just use your AmEx card and your statement will automatically be applied! Limit of one offer per qualifying card. Statement credit should be issued within 3-5 after your qualifying purchase, but it could take up to 2 billing periods to be posted on your account.

Spend $5 at McDonald’s using your synced American Express card and get $5 back (100% back!). McDonald’s at Walmart are exempt from this offer. To take advantage of this deal:

• you must have an American Express Card that is synced with Twitter (see sync.americanexpress.com/twitter for more details on how to sync your Card)
• you must tweet using hashtag “#AmexMcDs”
• make sure you receive an “@ reply” message from @amexsync stating that this offer has been added to your synced Card
• AND then use your synced card to make a single purchase of $5+ at McDonald’s any time before 10/31/2012

For even more American Express Twitter deals, check out our other posts!

 No coupon code needed; just use your AmEx card and your statement will automatically be applied! Limit of one offer per qualifying card. Statement credit should be issued within 3-5 after your qualifying purchase, but it could take up to 2 billing periods to be posted on your account.

Open a Citibank checking relationship to get up to 30,000 ThankYou points, redeemable for $300 in gift cards. To qualify, you must:

• Open a new Citibank checking account in The Citigold, Citibank or Basic Banking Account Package by 10/31/12.
• Within 45 days after account opening, enroll the new checking account in Citi ThankYou Rewards AND
• Complete one direct deposit AND complete one qualifying bill payment for two consecutive months.

Account can be opened online, at your local branch, or by phone. If applying by phone (1-800-349-9712), mention promotional code CZV5. Qualifying bill payments are those using Citibank Online, Citi Mobile or CitiPhone Banking. Transfers do not qualify.

Only the Citigold Account Package will get you 30,000 ThankYou Points, redeemable for up to $300 in gift cards. Both the Citibank Account Package and Basic Banking Package can get you up to 10,000 ThankYou Points ($100 in gift cards). As usual, this offer is available for new checking customers only who have not received a bonus award within the past two years.