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)

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!

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.

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.

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.

MaxRC said:I have a thought that I want to share with some of the other big spenders out there. I currently charge 20K per month on my credit cards, mainly due to business expenses. Currently I am using a Chase Perfect card because of its no-limit 1% rebate, which has worked out well.

But I am always looking for more.


BoA Power rewards gives 2% Cash Back if you save up 50K points (spend $50K dollars). If you spend 20K per month that should be no problem for you.

Joe1690 said:Original Poster,

The link you gave for the Citibank Diamond Preferred Rewards card indeed does only give you 5 points per dollar at Gas Stations, supermarkets, and drugstores for the first 12 months of cardmembership. Citibank was very sneaky. The original landing page does not indicate the expiration of the everyday spend after 12 months but if you click on apply and then the link for terms and conditions and scroll down you will indeed see that it mentions the 12 months for Gas stations, supermarkets, and drugstores. ON the other hand, the AT&T Universal Rewards card continues to offer the 5X ThankYou Points for gas stations, supermarkets, and drugstores, for the life of the card. However, as a relatively new AT&T Universal Card cardholder I can say I find the thankyou network less than satisfactory. Out of 3 credit card statements they have only managed to transfer the points to my thankyou account once. Additionally, the thankyou merchant partner points even though they were transferred don't show up in my thankyou network account, and half of my purchases haven't even shown up that were made through the thankyou network. So I much prefer utilizing the Chase Rewards Plus or Cash Plus cards.

Have them switch your card, if you can, to the AT&T Universal Cash Rewards Card. No thank you network. 5% Cash Back up to $300/calendar year for gas, groceries, drugstores, 1% for everything else and once your reward totals $50 they send you all your reward dollars. No $50 mulitples. I have this card and have not had any problems with rewards or getting the cash.

chokaay said: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).



How about buying Shell gift card in shell gas station? Does it count as "Shell Gas" purchase?
Thanks.

tucker2 said:Called twice now for the Chase Rewards Plus Mastercard, both times the csr I spoke to didnt have all the details that were included on the offering - one thought it was a Rewards Platinum card, the other thought it was a Visa card - and neither of them saw any mention of the 5,000 point bonus. I called the number thats on the printed version of that ad in that other thread, 1-866-347-8534 and gave the offer code XZY.

Sorry for the difficulties. People seem to have had similar problems with Cash plus. People who were persistent however did succeed. I would just try calling back and trying again. Some people speculate that the offer code is targeted, so you don't want to give out your zip code etc until after the rep has confirmed that you got the $50 code.

I would try posting on the Rewards Plus MC thread.... the one I linked in my OP. See if they have any suggestions or if they are having similar problems. I just got the information from them. Let us all know the outcome.

coolpizza said:chokaay said: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).



How about buying Shell gift card in shell gas station? Does it count as "Shell Gas" purchase?
Thanks.

Is the Shell gift card only good for gas? Then you really wouldn't be gaining anything.... but it would probably work.

The grocery store Safeway sells just about every type of gift card you can think of from iTunes to Best Buy. I haven't looked into if they mark up the cards at all, but I have often thought about buying gift cards there for 5% off.