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Self-employed people are eligible for the Advanta Business Card. Earn 5% Cash Back on gasoline, office supplies, computer equipment, utilities, cell phones and internet services, and 1% on all other purchases. Up to $25/month. See this thread.

citi mtv link doesnt work for me. is that available only for college students?

Venusian said: citi mtv link doesnt work for me. is that available only for college students?

Googled it for you... Text

Excellent thread, OP! Perfect timing for those of us who made financial New Years resolutions.

Good all around thread in one! Thanks OP for your effort!

isobro said: Venusian said: citi mtv link doesnt work for me. is that available only for college students?

Googled it for you... Text


You googled the wrong card, that's the Home Rebate card. Which is already listed above.

I believe the card is at this link.


Good one OP. As soon as my credit recovers from last year's bt rigmarole, I am going to Chase.

I am surprised that my credit took a huge beating (100 pts) with 60K bts. maybe it is due to the number of lines open (>15, no balances except 0%bt). I guess I will close all but 2,3 of these over next few months else I will continue getting denials to new credit requests.

Actually for those who use Costco a lot, AMEX cash rebate rebates you 5% on gas, groceries etc, 1.5% on everything else after total spend is above 6500. below 6.5k, rebate is 1% (gas/groceries) and 0.5%(all else)

N
edited to correct rebate info
fixed the rebate change threshold

needdealsnow said: Actually for those who use Costco a lot, AMEX cash rebate rebates you 5% on gas, groceries etc, 1.5% on everything else after total spend is above 6000. below 6k, rebate is 1% (gas/groceries) and 0.5%(all else)


needdealsnow, the threshold of getting 5%/1.5% is $6500....so you'll have to spend $500 more.

Link

This is with Blue Cash from American Express also.

AMEX Cash Back Blue is the #1 Cash Back card for those people that spend maybe 15-20k or more a year on their credit card. You get the max Cash Back with virtually no limit (well 50k) on qualified spending.

1.5% Cash Back on everything and
5% Cash Back on everyday purchases is unbeatable.

My favorite extra benfits are:

Buyer's Assurance Plan

With the Buyer's Assurance Plan you can shop worry-free knowing the terms of the original manufacturer's warranty will be matched up to one additional year on warranties of five years or less that are eligible in the U.S.3
Learn More

Purchase Protection Plan

Shop with confidence with the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.4
Learn More

Fraud Protection Guarantee

Use the Blue Cash Card online and off, and you won't be held responsible for any fraudulent charges. Period. No fine print, no deductible- just pure protection, so you can shop with confidence.
Learn More

Return Protection

If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the purchase, up to $300 per item.5

Shoot it is 6500

Thanks for the correction

Iserlohn said: needdealsnow said: Actually for those who use Costco a lot, AMEX cash rebate rebates you 5% on gas, groceries etc, 1.5% on everything else after total spend is above 6000. below 6k, rebate is 1% (gas/groceries) and 0.5%(all else)


needdealsnow, the threshold of getting 5%/1.5% is $6500....so you'll have to spend $500 more.

Link

phyo73 said: Citi?Diamond Preferred?Rewards Card

also have 5 points for every dollar you spend at supermarkets, drugstores, and gas stations?
5,000 bonus ThankYou Points? after your first purchase, redeemable for a $50 gift card?

? 1 ThankYou Point for every $1 spent on all purchases?

? Earn unlimited rewards with ThankYou Merchants—an average of 5 points for every dollar you spend?

Citi Diamond Preferred


Is there a max of points you can earn per year?

poo said: czarandy said: Citi mtvU card gives 5% at restaurants, bookstores (including Amazon), video rental stores, movie theatres

...you have to redeem for gift cards to get 5%, cash is less than 5%.


Well, you can get "student loan rebates" for 5%, which for many students will be just like cash (depending on the college you don't actually have to have a loan).

Jowaju,

Where did you find the PDF for the Rewards Plus Mastercard issued by chase. The brochure looks great and the offers look fantastic. I mean, you can convert 10,000 points to 5,000 continental miles which on the face of it isn't great but when you consider that on everyday spend you get 5 points this means you are getting 2.5 points per dollar. Not bad. It gets even better if you convert your points to United since it takes 6,000 points to get 5,000 United Miles. This is 4.166 United Miles/$ spent on everyday spend. For basically $6,000 in spend I could get a ticket in the continental United States on United and this is all for no annual fee. So this card seems good to get the 5% CashBack at 10,000 points = $100 and also for topping off your frequent flier accounts at COntinental, United, and British Airways. Now, I only wish that Citibank offered the option to convert thankyou points to American Airlines. I am currently enrolled in Cash Plus but will convert to Rewards Plus as soon as I get my 5000 points of which I am only 17 points away.

http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=chase_cashplus_ch01&page=cont&mkid=60JA&msc=Z0018955

I'm pretty sure that's where I pulled the link from.

Is there still a valid code for this? I thought the max right now is $50 bonus...

GAS, SUPERMARKET, DRUGS
Chase Cash Plus
Relatively low limit on rewards (I think the max is about 4,000 in spending if you use it only on the areas that earn 5%) Follow this
link for a $100 signing bonus.

FFGuru said: Several cards give 5% back in certain areas. There tends to be posts for the specific cards, but I thought it would be helpful to have one that lists all of them. Please feel free to add more cards.... please include links, and similar information as below. Thanks!

You can earn 5% Cash Back in the following areas with the following cards.

GAS, SUPERMARKET, DRUGS
Chase Cash Plus
Relatively low limit on rewards (I think the max is about 4,000 in spending if you use it only on the areas that earn 5%) Follow this
link for a $100 signing bonus.

GAS, SUPERMARKET, DRUGS
Chase Rewards Plus
The rewards limit is pretty high... around 75,000 points per year. $1=1point except where you earn 5% which earns 5points per dollar. No signing bonus though.

GAS, SUPERMARKET, DRUGS
Citi Dividend Platinum Select
Max of $300 in rewards per year, no signing bonus. Also AT&T Universal rewards has the same program from Citi.

GAS
Discover Platinum Gas
5% back on gas for the first $1,200 in purchases per year... you can switch Discover 5% programs when you max out

HOME IMPROVEMENT
Discover Platinum Home Improvement
Up to $2,500 in purchases per year... you can switch Discover 5% programs when you max out

RESTAURANTS, BOOKSTORES, RECORD STORES, MOVIE THEATRE, VIDEO RENTAL
Citi Mtv Card
5 Thank you points per dollar. Can they be redeemed for cash?? Max 75,000 points per year.

For AMEX Blue, does Sams Club gasoline qualify for the 5%? I know that the terms state that departments of warehouse clubs do not qualify for 5% but I know that Citi and Chase give me the higher gasoline rebate at Sams.

The Costco American Express only earns 3% in select areas, so I will omit that from my original post, although it is a good card.

I will just make the OP true 5% rewards or better.

$6,000 (not $4,000) is the spending limit for Chase Cash Plus Rewards if you spend it all on items that give back 5%. 5% of $6,000 = $300 = 30,000 points which is the max for a calendar year.

In two weeks you'll need to add Citi's American Express Dividend card which will have 5% Cash Back.

Any card that gives Cash Back on hotel stays? I am trying to find a card with the best Cash Back for Gas & Hotel stays. My approx combined spending on a yearly basis is 10-12K.

Thanks!

I'm not so sure that the OP's opinion that Chase is the better 5% card is true. They have the bonus points for now but I like Citi and AT&T Cash Back better. I have all three cards. With Citi & AT&T once you go over $50 you get a check for all of the reward money earned. If it's $55.00 you get $55.00. Chase only gives Cash Back in $50 increments. So if you have $55 in rewards, $5 sits till you get your next $50. Just my opinion. All are limited to $300/year reward money per calendar year.
I also like the Virtual Card Number for online purchases which I don't believe Chase has and AT&T and Citi do.

mathfaster said: I'm not so sure that the OP's opinion that Chase is the better 5% card is true. They have the bonus points for now but I like Citi and AT&T Cash Back better. I have all three cards. With Citi & AT&T once you go over $50 you get a check for all of the reward money earned. If it's $55.00 you get $55.00. Chase only gives Cash Back in $50 increments. So if you have $55 in rewards, $5 sits till you get your next $50. Just my opinion. All are limited to $300/year reward money per calendar year.
I also like the Virtual Card Number for online purchases which I don't believe Chase has and AT&T and Citi do.


Valid point mathfaster. Thanks. However Chase Rewards Plus will give you up to $750 Cash Back from my understanding. So, as long as one is patient, the Chase Cash Plus is better than Citi because of the signing bonus, and Chase Rewards Plus is better than citi because of the much higher rewards limit. If you want the cash right away, on the other hand then Citi is a great card.

FFGuru said: mathfaster said: I'm not so sure that the OP's opinion that Chase is the better 5% card is true. They have the bonus points for now but I like Citi and AT&T Cash Back better. I have all three cards. With Citi & AT&T once you go over $50 you get a check for all of the reward money earned. If it's $55.00 you get $55.00. Chase only gives Cash Back in $50 increments. So if you have $55 in rewards, $5 sits till you get your next $50. Just my opinion. All are limited to $300/year reward money per calendar year.
I also like the Virtual Card Number for online purchases which I don't believe Chase has and AT&T and Citi do.


Valid point mathfaster. Thanks. However Chase Rewards Plus will give you up to $750 Cash Back from my understanding. So, as long as one is patient, the Chase Cash Plus is better than Citi because of the signing bonus, and Chase Rewards Plus is better than citi because of the much higher rewards limit. If you want the cash right away, on the other hand then Citi is a great card.


Was talking about this Chase Comment:

GAS, SUPERMARKET, DRUGS
Citi Dividend Platinum Select
Max of $300 in rewards per year, no signing bonus. Also AT&T Universal rewards has the same program from Citi (Thanks DidYOUSearch) In terms of rewards, Chase has the better 5% cards.

phyo73 said: Citi?Diamond Preferred?Rewards Card

also have 5 points for every dollar you spend at supermarkets, drugstores, and gas stations?
5,000 bonus ThankYou Points? after your first purchase, redeemable for a $50 gift card?

? 1 ThankYou Point for every $1 spent on all purchases?

? Earn unlimited rewards with ThankYou Merchants—an average of 5 points for every dollar you spend?

Citi Diamond Preferred


Yes, but that is only for one year. Then you drop down to 1 point.

Edited 01/06/06
If you notice my op, you will see that I changed my mind. According to the Citi website, you only get the 5% for one year, however when I was looking around I found creditcards.com. The link to the Diamond Preferred Card says nothing about the 12 month limit. The fine print only says something along the lines, of "unless you are participating in a limited time promotion, you will earn 5% on Gas, Groceries, and Drugs." I can't find anywhere on that specific offer which mentions the fact that it is a limited time promotion. I hope it works!!

May be a bit off topic but anyone knows what is the difference between a business card and a consumer card. What consumer rights are they talking about?

I saw this at the citi professional credit card application.

*OFFER DETAILS:

Citi Professional Card is considered a business purpose credit card and not a consumer credit card. Please note that certain consumer rights do not apply to this account.

If your card covers 5% Cash Back on groceries, can you comment on if it includes WalMart Supercenters? For Citibank dividend advantage, even though the supercenter is coded as a grocery store, you will not be getting your 5%, it will be the standard 1%.

QUESTION: Can some talk about the Citibank UPromise card? It sounds great but I think I'm missing something, I mean 11% for grocery stores?!

So, according to the OP Citi Diamond Preferred and Chase Rewards plus seem pretty comparable. I don't really care weather or not I get Cash or Gift cards, so does anyone have experience with the two companies? Isn't the Thank You network supposed to be pretty good? Is their travel program good?

As for the U promise awards, you only save 10% on certain products. Assuming only half of your grocery cart is filled with these products, you will be saving only 5% on your total grocery purchase. So really it is not that great of a deal, especially since you don't save on Gas & Drugs too.

suaveseattle said: So, according to the OP Citi Diamond Preferred and Chase Rewards plus seem pretty comparable. I don't really care weather or not I get Cash or Gift cards, so does anyone have experience with the two companies? Isn't the Thank You network supposed to be pretty good? Is their travel program good?

As for the U promise awards, you only save 10% on certain products. Assuming only half of your grocery cart is filled with these products, you will be saving only 5% on your total grocery purchase. So really it is not that great of a deal, especially since you don't save on Gas & Drugs too.


Cash and gift card have three very important differences though:
1) Cash can be spent anywhere, gift cards are limited to certain areas.
2) Cash can be store back to savings account to start accruing interest right away whereas balance in gift card just sits there when you don't spend it.
3) Cash can be reapplied to get additional 5%, but gift cards can't. If I earn 50 dollars in rewards CASH, and I spend another 50 dollars which I pay with my plastic and pay that with that 50 rewards I get 2.50 more reward, and it keeps going in sort of a referral scheme where you earn your referral's referral and their referral and so on. Gift cards end the reward scheme right away.

Ashoro said:
Cash and gift card have three very important differences though:
1) Cash can be spent anywhere, gift cards are limited to certain areas.
2) Cash can be store back to savings account to start accruing interest right away whereas balance in gift card just sits there when you don't spend it.
3) Cash can be reapplied to get additional 5%, but gift cards can't. If I earn 50 dollars in rewards CASH, and I spend another 50 dollars which I pay with my plastic and pay that with that 50 rewards I get 2.50 more reward, and it keeps going in sort of a referral scheme where you earn your referral's referral and their referral and so on. Gift cards end the reward scheme right away.


That is very true.... thanks. I agree, but I'll put up with the gift cards if Thank You rewards is really good program. I haven't heard though. Correct me if I am wrong... I think Chase takes 25,000 points to book lower 48 travel plus a $25 fee but no taxes and 21 day advance?. Citi on the other hand requires 25K but a $35 fee, but they also allow only 14 day advance purchases? I am not certain. They mention it a bit in the Chase Rewards Plus thread, but I am still a bit confused.

I have MBNA WorldPoints Visa Signature now. It is a good card, but when BofA takes over I might have to move to another travel card if they devalue the program. So It would be nice to have my Cash Back and travel card all in one. One less card to hit my credit report.

Thanks. Anyone else with more info... it is much appreciated!

In some other FW forums, people have mentioned that you can sign up for a Chase card benefiting charities like St. Judes Children's Hospital, Elks, the Worlds Wildlife fund, National Geographic AND tie in a rewards program like Rewards Plus. Has anyone had any luck with this?

Some post seem to even think you can still get the signing bonus too, although Chase only seems to offer the $50 with their Rewards Plus MC not their Visa. All of the affinity cards however seem to be Visa (except for National Geographic). I wonder if it is possible to get the $50 on a Visa with Rewards Plus.

If you sign up for Chase, you might as well ask if you can do this. I am sure the charities would love it!!! Let us know what happens.

Thanks Chase for letting us combine a charity card with a rewards program!! (assuming it works)

OP, here is a link to the Citi AMEX cards: Upcoming Citi AMEX cards. Click on the AMEX logo on the upper right of this page.

I respectfully diagree with the original poster's rankings, although that is because I spend less than the full rewards limits yearly. I just converted my Diamond Rewards () to Dividend Select (). I prefer cash, and the sooner I get it back at the highest fulfillment rate (1pt = $1) the better. Let me explain.

The Diamond Preferred won't give you back full value (1pt = $1) for cash rebates. I didn't care much for the gift card offerings of Diamond Preferred Network, so I just got gas cards at the full value (1 pt = $1) but then I loose on new 5% gas purchases because I'm not purchasing the gas on the credit card.

Now with Dividend Select I can get $50 back on each $1000 in purchases ($300 limit). I also have an ATT Universal Cash Rewards MC (), in case I reach the $300 limit on the Citi Dividend. It pays back in the same $50 increments as Citi Dividend. Also all Citi Cards (inc. ATT Univeral Cards) have virtual account number capabilities, which Chase does not currently offer.

I won't apply for the Chase Rewards Plus MC () or Visa () as you need to accumulate $100 in rewards (spend $2000) before reward is given at full value (1pt = $1).

This stategy gives me plenty of 5% rewards, but gets me my money back faster, which works for my spending habits.

(For non-5% purchases, I use my Chase PerfectCard, which has unlimited 1% back, which is credited to my account each month - no need to buildup reward dollars before payback).

Just offering my opinion - if you think I could do better, let me know, I am always looking to save some dollars!

Mathfaster... THANKS! You are awesome. In street terms.... you've got the goods!

connell... Thank you for your analysis. I know exactly where you are coming from. I tend to assume three things in my ratings. 1) If a high rewards limit is good, a higher one is even better 2) everyone is patient (which is not true, of course, nor is it always smart to be patient with $$) and 3) people try to apply to the fewest CC's possible. None the less..... that is where my ratings come from. Maybe I'll have to start including how many points it takes to redeem rewards. Although I am trying to keep my descriptions short and sweet, and if I may make a confession... I never noticed the differences you pointed out. Thanks!

Anyone know how many points it takes to get a free ticket with Chase or Citi? Is it 25K?

FFGuru, the Citi Simplicity Rewards Card only gives 5% to Gas and Drugstores (no Supermarkets), and it's only good for 1 year. You may want to edit the OP.

chokaay said: FFGuru, the Citi Simplicity Rewards Card only gives 5% to Gas and Drugstores (no Supermarkets), and it's only good for 1 year. You may want to edit the OP.

It would help if I learned to read, wouldn't it Good catch. Thanks for correcting me! I'll correct the OP. Oh, and I think you meant the Citi Cash Card. I didn't review the Rewards card seeing as it limits the 5% to one year.

I'd also like to add the Shell Platinum Select Mastercard from Citi (although technically it's not a Cash Back card unless you fill up at Shell). 15% on Shell Gas and 3% back on everything else for the first 60 days. Afterwards it drops to 5% on Shell Gas and 1% on everything else. NO annual limit; gas credits to NEXT MONTHLY STATEMENT (must be used for Shell Gas); includes all Citibank Platinum benefits (except virtual numbers).

IMO, this is a great no hassle rebate card (if you fill up a lot on Shell Gas), and has been around forever (way before reward cards started getting popular).


EDIT: Another card worth mentioning, but doesn't quite earn the 5% Cash Back required by this thread, is the Chase PerfectCard Mastercard. It basically has similar benefits as the Shell Platinum Select Mastercard above, (including the no annual limit), but it gets 6% Cash Back on Gas for the first 90 days, then drops to 3% on Gas and 1% on everything else. Cash Back is credited to next monthly statement. (This was the line of cards that replaced the Shell Mastercard after they switched to Citibank from Chase, which is why the benefits are so similar.)


EDIT2: Might I also suggest including some 3% cards as well. There are some 3% cards that can beat some 5% cards, or serve as solid back-up cards when the 5% tier(s) are full. One card that comes to mind is the AMEX/Costco TrueEarnings Card which gets 3% on restaurants, 2% on travel, and 1% on everything else.


EDIT3: For full details, please read the terms & conditions in each card's webpage.

Does Discover restaurant card include CashBack at Burger King and TacoBell? Also, what about purchases in Cafeteria and Starbucks?

OP, thanks for the summary. Nice to have these cards in one place. If you think it approrpriate, if any of these cards offer 0% APR for purchases, 0% for balance transfers, no balance transfer fees, on signup that would be icing on the cake to add to the descriptions.

Nevermind...

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