longwood8 said:I have two of these cards (one for me, one for the wife) Assuming I get the letter, my plan will be to set up auto charging of no more than three categories of bills to each card. Example, card 1 gets insurance, ezpass, and cable. That gets me 3% on items I was getting only 2% (thanks to a grandfathered fidelity card) previously. Stick the cards in the drawer, auto billpay them, and enjoy the extra 1%.

We knew it was coming, just make the best of it.

Is that how it works? Or does the 3% only apply to the top 3 of the 15 available categories?

nomansland said:I have a Citi Dividend Platinum Select card converted from AT&T Universal Reward card. Received a letter with a new card yesterday and saying I am still getting 5% Cash Back on everyday purchases. I am happy Chase will pay me 3% Cash Back for the top 3 spending categories besides everyday purchases

I just received my new card apparently sill getting 5% gas groceries pharmacy

longwood8 said:I have two of these cards (one for me, one for the wife) Assuming I get the letter, my plan will be to set up auto charging of no more than three categories of bills to each card. Example, card 1 gets insurance, ezpass, and cable. That gets me 3% on items I was getting only 2% (thanks to a grandfathered fidelity card) previously. Stick the cards in the drawer, auto billpay them, and enjoy the extra 1%.

We knew it was coming, just make the best of it.

Insurance is not one of the "everyday" categories?

taewlee said:what is the difference between freedom regular and signature?

I know Visa Signature cards are one of the only cards that let you buy extended warranties through the credit company on refurbished products. Very cheap warranties with good coverage.

Signature Benefits
Bottom of the page has the navigation section.

I wonder what the odds are they'll offer another huge $250 bonus for getting the Freedom card? If it's good odds, I might want to fight the move to convert to a Freedom card, and preemptively convert to some other program.

taewlee, best thing to do is to read about it on the visa website...go to the section about signature benefits and decide if you want it or not....
I think it's nice to have, and i have it.....

taewlee said:danboris said:taewlee said:what is the difference between freedom regular and signature?

I know Visa Signature cards are one of the only cards that let you buy extended warranties through the credit company on refurbished products. Very cheap warranties with good coverage.

Signature Benefits
Bottom of the page has the navigation section.

Thank you for the information. Unfortunately, I'm not a fan of extended warranties. Are there any other benefits to going signature?

Chase Freedom gives 3% CashBack on gas, quick service restaurants, and groceries.

Chase Freedom Signature gives 3% CashBack on top 3 of 15 everyday categories you spend the most on, every month; kind of like RBS CustomCash.

Anakin

taewlee said:Thank you for the information. Unfortunately, I'm not a fan of extended warranties. Are there any other benefits to going signature?

So buying a refurbished product for a huge discount (which in my personal experience (2 laptops, plasma, ipod) the item has always been in mint condition) with the option of upgrading the warranty (if necessary) isn't appealing? Hm, hope my parnetheses aren't too confusing. To me, that in itself is a good enough benefit to getting a Visa Signature. Come into the light!

Try to think of all those times we were going to buy something only to be deterred by that pesky 90 day warranty.

anakinskywalker said:Chase Freedom gives 3% CashBack on gas, quick service restaurants, and groceries.

Chase Freedom Signature gives 3% CashBack on top 3 of 15 everyday categories you spend the most on, every month; kind of like RBS CustomCash.

AnakinThanks for indirectly answering my question.

So now I have to find out if I can convert.

Edit: I would suspect a WalMart to be a Department store, but how about a Super WalMart?

that's what some say mariojm, but i have had signature for quite awhile now, and haven't found it to have any negative impact whatsoever, on my credit or getting any....i get more offers in the mail to open new cards then i know what to do with

I think people here tend to overemphasize the importance or effect of it, much as they worry about "hard pulls" which is another thing i have found to have no impact on my credit, whatsoever....especially if you have a good credit history, and pay your bill in full every month and on time (like i do)....