Differences Between all Serve Cards, Avoiding Dynamic Currency Conversion, $20 Free from US Bank Expires Soon & More!

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Links in this post may provide us with a commission.
Miles to Memories roundup1

Posts That Caught My Eye

Bet You Didn’t Know: Avoid Getting Suckered by International ATM’s

This is getting worse and worse every time I travel. Remember that your bank will most likely give you the best exchange rate. Dynamic Currency Conversion is designed to take your money without you even knowing. Isn’t it all so convenient? No! It is disheartening to see this practice spreading to ATM’s.

15 US Cities With the Lowest Average Mortgage

An interesting collection of data that Credit Karma has put together using their member’s information. (Remember nothing is “free”!) As you might have guessed most of these places are economically depressed or located in the middle of nowhere, but hey you can get a house for under $100K. That should count for something!

Six Different Flavor of Serve and How to Remain Fee-Free

American Express has launched a couple of new versions of Serve including a Green version that seems to charge a $5 monthly fee for what now costs only $1. Here is a nice roundup of all six versions of the Serve cards (old and new) along with fees and limits. It looks like you may still be able to get a Serve card with the old $1 (waivable) fee structure!

Don’t Do This

Spirit is sending out advertisements for personal loan provider Prosper Funding. With rates from 6-36%, you are sure to get a great deal. Oh and you earn 1 Spirit mile for every dollar borrowed. I know almost all of my readers are debt free and thus wouldn’t do this, but I find it interesting that Spirit thinks they can make money this way. I guess it says a lot about their average customer. Personal loans are generally very expensive and don’t look too good on your credit either.

Great Deals

  • You have until 8/15 to register your US Bank Visa credit card(s) with Visa Checkout in order to earn a $20 statement credit. I have seen links only giving $5 or $15, so make sure to use this link to get the full $20.
  • Today is Friday, so you can get 2 for 1 tickets with your Visa Signature card on Fandango. Here is a direct link to the offer.

Have a great evening!

The responses below are not provided or commissioned by any advertiser or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by any advertiser. It is not any advertiser's responsibility to ensure all posts and/or questions are answered.


  1. Dear Shawn, I have a general question for you and any others regarding adding on an authorized user to my Chase Freedom who has low FICO i.e. 509 (and encouraging her to use it a couple of times…..she is not a family member, but a good friend for numerous years) both to collect $25.00 promotional bonus for me and improve her FICO. ?? Is there any way this could lower my FICO which is high providing her balance is paid in full like mine prior to or on the due date monthly???? Thanks all.

    • It applies to both business and personal credit cards issued by U.S. Bank. Debit cards don’t count. The terms are located on the bottom of the page I linked to.


Please enter your comment!
Please enter your name here