mountainview said:at&t (including cingular)
10% for 12 months, 5% thereafter
You are amazing. Just 14 posts so far, but at least another one was memorable, that one announcing us the 5% HSBC card.

(moved to dedicated AT&T Card thread))

g10ny said:mountainview said:at&t (including cingular)
10% for 12 months, 5% thereafter
You are amazing. Just 14 posts so far, but at least another one was memorable, that one announcing us the 5% HSBC card.
+1.

Keep note the replacement plan insurance for FREE? That's insane...signing up now. Thanks MV

FFGuru said:GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
10) AmEx Blue Cash (Thanks e1Superman, billrubin, DaveHanson) Strategize!
•Bonus: $50 •Reward Limit: None! •Redeem For: Cash •Increment: ???
The catch is that you only earn 5% after your first $6,500 in total spending per year. If you don't use credit a ton, this isn't a good choice. If you already use AMEX a bunch, and/or if you'll find yourself maxing out the rewards on the other cards in this list quickly, this would be an excellent pick. After your initial $6,500 in spending per year, you'll earn 5% on Everyday Purchases and an excellent 1% elsewhere up to $50,000 in total spending. Now three smiley's because this card will probably the least likely 5% reward cards to disappear since it encourages consumer spending in all purchase categories. More info is in this excellent thread. For a $50 statement credit and double points at supermarkets apply via their website and use code 3003396000 (or call 1-877-801-4221).

Above $6500, AMEX Blue Cash gives 1.5%, not 1%.

Thanks for resurrecting this thread, FFGuru!!!

Thanks everyone for the additions & corrections.

Glad to be back.

I can't seem to find the reward limit on that WaMu card. Does anyone know?

I would say the Driver's Edge deserves to be in the regular category and not just in the limited time category.

Because driving does not require a purchase some people can easily drive one mile for every point earned, effectively giving them 6 points per dollar on gas/groc/drug stores which is worth at 5% if not 6% or more.

You can make the case that not everyone can drive that much but you can also make the case that some people wouldn't cross the $6,500 or $4,000 threshold in spending on your top two cards. So either remove those cards or add the Driver's Edge please.

Seems like this thread would be a lot better if the OP kept the list in the wiki rather than making personal comments there and keeping the list in the first post.

suaveseattle said:ScootyPuffSr said:I would say the Driver's Edge deserves to be in the regular category and not just in the limited time category.

Because driving does not require a purchase some people can easily drive one mile for every point earned, effectively giving them 6 points per dollar on gas/groc/drug stores which is worth at 5% if not 6% or more.


You can make the case that not everyone can drive that much but you can also make the case that some people wouldn't cross the $6,500 or $4,000 threshold in spending on your top two cards. So either remove those cards or add the Driver's Edge please.


Seems like this thread would be a lot better if the OP kept the list in the wiki rather than making personal comments there and keeping the list in the first post.

The Driver's edge card It is a "limited time reward" as the OP has it listed. You could make any airline mileage card a 5% card just by flying a whole heck of a lot, and it doesn't make sense to start including those in the listing as well. I say leave things where they are at.

Keep the OP as it is.... otherwise anyone could just keep changing the ratings and info on a whim without correct info. Like 10 posts ago someone said AMEX blue was 1%, and another said 1.5%... too many cooks in the kitchen in wiki. But that's just MHO.

I don't understand your logic. Many airline miles cards are 25,000 miles for a free domestic airline ticket. I don't know about you but my domestic coach airline tickets do not cost $1,250. How is that 5%.

It was the OP who had the Am.Ex Blue Cash listed at 1.25% for over a year. So letting FFGuru put up incorrect information for over a year is superior to a wiki I don't know.

Finally if driving is not desirable than neither is spending $6,500. In fact mathematically it is impossible to get 5% on all purchases with Blue Cash because you'll only get 5% in the limit as your spending goes to infinity which is not possible in one year.

So if anything needs to go, it is Blue Cash which does not give 5% ever. With Driver's Edge I can choose to only buy gas/groc/drugs and I can choose to limit my purchases to the number of miles I will drive so it is possible to get 5% on all purchases I make with the card.

The only reason Blue Cash is 5% is because one subsidized it by getting a terrible Cash Back on the first $6,500.

suaveseattle said:


About the flying, I am not talking about the bonus. I am saying that you could feasibly fly 4 miles for every dollar you spend effectively making it a 5% card. Just like Citi's card.... you could feasibly drive 4 miles for every dollar you spend making it a 5% card. Same difference. Simply diffent means of getting to the same goal.

Come again?

Citi PP and PPE are the only two cards I know of that give points for miles flown. If you are referring to frequent flyer miles you do realize you can get those even if you pay cash, right?

I'm not following you how frequent flyer miles you would have gotten regardless of the payment method equate to a 5% rebate on credit cards.

Citi PP and PPE only give 1 point for gas/groc/drugs so even doubling that with fly points would only make it 2 point s per dollar which is off-topic for this thread of 5% only.

^^^^This is not the place to discuss it, but I would love to see your reasoning of why 6 TY points is worse than 5 cents from the WaMu card.

10,000 points will buy a gift card at most major stores. Let's say you had a way of getting 5% off at those stores that you could not use because you used the gift card. 6*.95=5.7.

5.7 cents > 5 cents

That's not even mentioning airline flights where you can get 2 cents per TY point.

Would it really be that wasteful (you never would have shopped there otherwise) to spend $100 at one of the following....

footlocker
nike
Old Navy
gap
waldenbooks
pottery barn
bath and body works
home depot
pier 1
bed bath and beyond
linens and things
target
Sears
Office Depot
Staples
comp usa
applebees
Macys
jc pennys
dillards.......

My hat is off to you as a consumer if you are so frugal that you cannot manage to spend $100 during the course of a year at any of these stores that 6% turned into gift cards is worse than 5% straight cash.

In fact, you aren't really getting 5 cents from WaMu. By your own calculations the typical household would often get 4.5 cents or less. I know TY points aren't the greatest thing ever, but I would certainly take 6 TY points over 4.5 cents any day of the week and twice on Sunday.

Billiken said:ScootyPuffSr said:^^^^This is not the place to discuss it, but I would love to see your reasoning of why 6 TY points is worse than 5 cents from the WaMu card.

I am no economist, but probably because cash is liquid. Cash can't devalue relative to itself, however, the value of a point can. Like FFGuru said, tiered cards generally stick around longer.


How long does it take to spend a $100 gift card that you expect a significant devaluation? In fact once it is a gift card it is like money at that store so if prices go up at that store they will go up for "cash" purchases just the same.

There is absolutely no reason why TY points can't be locked into cash value the second they are posted and the threshold has been reached.



Driver's edge may be a great card if you drive a lot more than you spend and/or don't mind CC offer hopping every 6 months to a year. If so, more power to you. As for the majority of us, the value simply isn't there.

How many times do I have to say it? I never said Driver's Edge is the best card out there. I never said everyone should use Driver's Edge. In fact Driver's Edge is not my primary card.

Despite being called a shill for Citi my heaviest use cards are FIA and my second most use is Chase and my third most used is Household bank.

Since when was only the "best" card available to be considered in this list?

If that was true than Blue Cash should be removed because WaMu has a lower tier and Mastercard/Visa is accepted at more places than AMEX as a whole. Oh wait, this is a complete list of cards for different people. So are all of you guys fighting so hard just to prevent it from being listed?

Just because YOU personally don't like Driver's Edge doesn't mean you all have to be a-holes who won't even let it be on the list for people who could use it.

Geeze, the smugness on here is pretty thick it is getting hard to see.