Update 1 (12/15/04): I've reorganized the list, and included the various suggestions from the thread so far. Update 2 (1/8/05): I'm done with my applications, but I've included some of the new offerings in the lists.
In the spirit of SIS, I'm planning an Application-O-Rama in the coming days. My credit report has been cleaned up (paid off the 0% money, no recent inquiries), and my FAKO's (care of PrivacyGuard's free offer) are around 750.
In particular, I'm looking to apply for any and all half-way decent CäshBack cards. No earning limit on the Cäsh Back is a definite plus. For reference, here's the old best rewards CC thread. Since business credit cards have other considerations, I refer discussion of those to the Business CC thread, where Advanta, CapitalOne, and BankOne all have reasonable offers. Here's the list of ones I found and ones I already have that seem reasonably good.
I have: BankOne's Free Cash Rewards - flat 1% ($600/year at $60K) Principal/InfiniBank Cashback - tiered, up to 1.4% average ($575/year at $40K) Åmerican Express Platinum CäshBack - tiered, 1.5% unlimited starting at $6K, revolve bonus American Express Blue Cash - tiered, up to 1.5% (3% everyday) at $6K (max $50K), revolve bonus Discover Platinum - tiered, 1% unlimited starting at $3K
I'm less interested in these, but for reference, here are some "specialty purchase" cards: Chase Profit Card - 3% on your choice of gas, dining, or groceries; 0.5% otherwise, uncapped, revolve bonus Discover specialty cards - reverse tiered, 5%/3%/1% on your choice of gas, dining, education, or home improvement Amex/Costco True Earnings - 1% flat, 2% travel and 3% dining (max $100K/year), Costco membership required
And as an aside, these aren't cash but worth mentioning: Merill+ Visa - 2% towards plane tickets (or 1% towards gift certs) and nice perks Citi Platinum Select - 1 year 0% offer, $50 credit Citi Diamond Preferred Rewards - 5% food/gas/drugs, 1% else (max $75K), redeemable towards various gift cards MBNA/Fidelity 529 College Rewards - 2% flat ($1500/year at $75K), deposited into a 529 plan Chase Subaru card - 3% flat towards a car (max $500/year) GM card - 10% promo, otherwise 5% flat towards a car (max $500/year)
Any other suggestions? I don't want to miss anything good since my credit won't be this good for a while . TIA.
To enter a coupon code in your post please enter the following info:
Coupon Code:
Coupon Offer:
Merchant:
Expires (optional):
Restrictions (optional):
saving...
NCL Mastercard - in the other catergory. You get 3 pts per $100 on regular purchases(4pts per $100 on NCL purchases). You can redeem these as cash towards your NCL vacation purchase.)
Citi® Dividend Platinum Select Earn Cash Back on everything–a full 5% Cash Back on purchases at supermarkets, drugstores and gas stations, plus 1% on all other purchases - limit $300 except in "network"
DiscoverCard A) Discover Platinum Card - Full 5% CashBack Bonus on 'Get More' purchases, 1% everything else. B) Discover Platinum Gas Card - 5% CashBack Bonus on gas purchases, 1% everything else
The AARP Visa (from Chase) gives an unlimited 1% on all purchases. You can collect whenever it hits $25.00 (rather than waiting till it hits $50.00 like most). Available to AARP members.
Emigrant Direct MasterCard If you have an Emigrant Direct online savings accout, this is an excellent card. If not, the savings account earns 4.25% with no fees, so you may want to consider getting one. As for the credit card, you'll earn 1.4% with the card everywhere as long as your average *savings account* balance is at least $10,000. If not, it isn't a good card.
Message edited by: alumino on 2006-04-30 21:30:12 CDT
+ True Cash Back-3% for eating out, 2% for traveling, 1% everywhere else, including at Costco + No annual fee with your paid Costco Membership + Exclusive business savings at At&T, FedEx? Hertz, and more + The flexibility to pay over time + Purchase Protection Plan and Buyer's Assurance Plan* + Customer Service 24 hours a day, 7 days a week
Discover has various 5% CäshBack cards that they're calling specialty cards. You can earn 5% on gas, restaurants, home improvement, and maybe education costs.
A nice, unadvertised feature of the ATT Universal and Citi Dividends cards is that after you redeem Cash Back (after earning $50), you'll earn an additional 1% for 90 days. This makes the standard earnings 6% for grocery drug & gas/2% everything else, and the ATT promo earnings even higher (10%/6%). You can find this discussed about Citi here: Citi dividend extra 1% but I've found it to be true on my ATT Universal card also. As they don't advertise this, YMMV.
76hhma said:The charter-member Chase Freedom card gives 5% rebate toward any gas purchase.
Not for MY card. They only gave me 3% after the conversion, which is why the card is in my drawer. A relative who got the card long after I did, got 5%.
Eventhough starwood AMEX is not a Cash Back card per se, if used correctly it can easily give a net of 5% Cash Back. To a person who does not know how to use miles its still a decent 1.25% Cash Back (assuming 1 mile- 1 c)
xerty said:Citibank Dividend Platinum Select - as above (AT&T) with 5% promo (link anyone?)
Did I somehow miss this? When does the 5% on everything expire? And is there a specific number to call to apply? I just recently got a Dividend Platinum Select (end of Nov). If it's just through 2004, then it doesn't help, as I probably won't even be able to max out my AT&T Universal.
Also, what's this about a charter member Driver's Edge giving 2% everyday once the 5% promo is up? 'Charter' meaning that you got it when it first came out? Or is this something that you can actually apply for right now? Because all I've seen is the 5% for nine months, and 1% thereafter.
somedumbguy said:xerty said:Citibank Dividend Platinum Select - as above (AT&T) with 5% promo (link anyone?)
Did I somehow miss this? When does the 5% on everything expire? And is there a specific number to call to apply? I just recently got a Dividend Platinum Select (end of Nov). If it's just through 2004, then it doesn't help, as I probably won't even be able to max out my AT&T Universal.
Also, what's this about a charter member Driver's Edge giving 2% everyday once the 5% promo is up? 'Charter' meaning that you got it when it first came out? Or is this something that you can actually apply for right now? Because all I've seen is the 5% for nine months, and 1% thereafter.
Universal: all 5% deals until 2/1/05, 3/1/05, 5/31/05, or 7/31/05. For 2/1/05 and 3/1/05, call to apply (search for the thread). For 5/31/05 and 7/31/05, not that easy.
Driver's Edge 2% and Chase Freedom 5%: DE - grandfathered. Chase: mysterious criterion for the 5% deal; both not easy to get and definitely one can not apply for them now.
76hhma said:Universal: all 5% deals until 2/1/05, 3/1/05, 5/31/05, or 7/31/05. For 2/1/05 and 3/1/05, call to apply (search for the thread). For 5/31/05 and 7/31/05, not that easy.
Yes, I'm familiar with the AT&T deals. I was inquiring about the Dividend Platinum Select 5% on everything that was referenced in the OP. Does this exist and, if so, what are the details? I can't find anything other than a thread talking about a promo ending 12/31.
Driver's Edge 2% and Chase Freedom 5%: DE - grandfathered. Chase: mysterious criterion for the 5% deal; both not easy to get and definitely one can not apply for them now.
That's what I thought, but was confused by the fact that someone would post this in reponse to request about what cards to apply for. It's great that people have gotten it in the past, but not really of use in the context of this thread. Too bad, though. I wouldn't mind a 2% Driver's Edge card once the promos expire!
You might want to correct this one. I recently applied to Capital One Go Cash credit card. It does not have an annual fee and there is no limit on the amount of Cash Back you can get out of it. 2% CashBack on grocery and gas. I started a separate thread for this.
Disclaimer: By providing links to other sites, FatWallet.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FatWallet.com.
. TIA.
