Edit

Forums
Finance

5% Reward Cards.... A comprehensive list! in: Subjects › Deal

  • filter:
  • Tell A Friend
  • tweet this
  • Post to Facebook
  • Text Only
  • Search this Topic »
  • Classic
alert mods    
rated:

windScorpion said:has anybody received their approved card from associated bank mentioned above?
Yes, my wife was approved for 12,000 limit at the end of an AOR (just threw the card in for good measure). Its definitely serviced by Citibank though, all of the paperwork is just like Citi's. Luckily its a cobranded card so it dosen't seem to count against the limit of 2 personal citi cards in 60 days.


alert mods    
rated:

efficacyman said:windScorpion said:has anybody received their approved card from associated bank mentioned above?
Yes, my wife was approved for 12,000 limit at the end of an AOR (just threw the card in for good measure). Its definitely serviced by Citibank though, all of the paperwork is just like Citi's. Luckily its a cobranded card so it dosen't seem to count against the limit of 2 personal citi cards in 60 days.

I also received the card, although I'm first using the 0% APR 9-month BT with max. fee of $75. Then I'll use it as a cash rebate card.


alert mods    
rated:

nelyboy27 said:On the AMEX blue cash card, with the minimum of 6500$ worth of purchases to get 5%, if I only spend 6501$ in a year on the card, is only 1$ of my purchases given back to me at 5%, with the rest at that obscenly low rate?...

Sorry to be the bearer of bad news, but yeah, that's how it works. You might want to check out the American Express Blue Cash rebate calculator.

AMEX won't let me give you a link to the calculator. Also, the calculator doesn't show up on some web browsers. Here is the web address:

https://www124.AmericanExpress.com/cards/loyalty.do?page=bluecash.maximize

If you put in 6,600 of grocery spending for the year, and no other spending, the calculator says that you will get a $70 rebate, (approximately 1.06%).


alert mods    
rated:

FFGuru said:GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
UpdatedCiti Driver's Edge Platinum Select MC (thanks MichaelBradford & fotomaniak)
•Bonus: None •Reward Limit: $1,000/yr •Redeem For: ?GC, Travel, Merchandise? •Increment: $50?
Earn 6% for 12 months, and then 3% thereafter. You can also earn 1 cent for every mile you drive. This is potentally a good card assuming you drive and spend a lot. You can't use driving points unless you have as many (or more) purchase points. If (and that's a big if) you drive as many miles as points you earn, you could effectively double your points earned on purchases. YMMV (no pun intended)

It's unfortunate that Scooty gave up trying to get this card on top of the list. There's some difference of opinion here, and maybe some don't understand how the card works. Since many of us use this as the primary card, we should settle in the middle and keep the information as accurate as possible. Let the readers decide for themselves. Here's what I think the description should look like:GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
Updated Citi Driver's Edge Platinum Select MC (thanks MichaelBradford & fotomaniak)
•Bonus: None •Reward Limit: $1,000/yr •Redeem For: Statement credit (for auto purchase or service), ThankYou Points (GC, Travel, Merchandise) •Minimum redemption: $25 (not an increment)
Earn 6% for 12 months, and 3% thereafter (aka "purchase rebates"). You will also earn 1 cent for every mile you drive (aka "drive rebates"). This is potentially a good card (maybe even the best) assuming you drive enough miles in one vehicle (you can only register one for drive rebates). You can't redeem drive rebates unless you have as many (or more) purchase rebates. If you drive as many miles as you earn purchase rebates (i.e. drive at least 3 miles for every $1.00 spent on everyday purchases), you could effectively double your total rebate (12% for 12 months and 6% thereafter). Read T&C for details.
I'm also for moving it out of the limited time offer, and/or making a copy of it in both sections.


alert mods    
rated:

scripta said:It's unfortunate that Scooty gave up trying to get this card on top of the list.

That may be a good thing. Too many times the FW effect kills good deals.


alert mods    
rated:

nelyboy27 said:On the AMEX blue cash card, with the minimum of 6500$ worth of purchases to get 5%, if I only spend 6501$ in a year on the card, is only 1$ of my purchases given back to me at 5%, with the rest at that obscenly low rate? Or am I misreading? Sorry if this has been posted before, I might have dazed out when searching the thread.

Yes. That is what it says. But I don't think 1% or .5% is that bad. Pretty clearly spelled out at the AMEX web site.

I use a discover gas card to get 5% on Gas while I'm working towards my $6500 then I use the AMEX. You still have to have another card because AMEX isn't accepted everywhere. I'll be getting a nice check for about $500 from AMEX in October for my last years purchases, an d I only used the card for 7 months this year. A lot better than I could do with Citibank (which I still have, I use that to pay the cable bill )

Your rebate is awarded annually for each Rebate Year (12 consecutive billing periods). Rebate percentages for each Rebate Year are as follows:

* For the first $6,500 of annual purchases, the rebate is 1% for Everyday Purchases and 0.50% for all other Eligible purchases; for Eligible purchases of $6500.01 or more, the rebate is 5% for Everyday Purchases and 1.5% for all other eligible purchases. "Everyday Purchases" are Eligible Purchases made at U.S. supermarkets, gas stations and drugstores, in each case that are not departments of superstores or warehouse clubs. "Eligible Purchases" are charges to your account for goods or services that have not been returned or otherwise credited to your account. Eligible Purchases do not include Finance Charges, fees, Cash Advances or other means of accessing your account, convenience checks, Balance Transfers, or the purchase of American Express® Travelers Cheques and American Express® Gift Cheques or other cash equivalents. Additional terms and conditions apply.

Message edited by: Lowcarb on 2007-09-05 09:59:02 CDT
alert mods    
rated:

Hello! I just added two new cards to the OP. You can see them there, and here is more info.

-> Thanks ChiefRocka for the excellent Associated Bank Card. It is an great addition to the list. See his post for more info (about 15 prior to this). Sorry it took me so long to add it.

-> Thanks to CoolBargains for the PM about the new Citi Platinum AmEx Card (listed under limited time offers) As I said in my OP this is an exciting card. It comes with a very steep $99 annual fee after the first year, however, the 15,000 bonus points will more than offset the annual fee for the 2nd year, and after that you might find the airline club access, companion pass, and other benefits enough to justify the annual fee. Here's more info...

15,000 ThankYou Points
Earn 15,000 bonus ThankYou Points after you make $300 in purchases within 3 months of becoming a cardmember.

Complimentary Airport VIP Lounge Access
Access to 500 airline lounges world wide (various airlines) regardless of class of service. Free annual membership in Priority Pass, VIP airport lounge program (a $99 annual savings) and the cost of your first 3 cardmember lounge visits waived (normally $24 per visit) – initial enrollment required along with yearly renewal. (FFGuru comment- Priority Pass is generally a well rated & received stand-alone company that provides access to airline lounges. If desired, you can purchase membership regardless of the CC you hold)

Unlimited Airline Companion Tickets
Make your next trip more affordable with unlimited companion tickets on domestic and international airlines to hundreds of destinations on several domestic and international airlines including Virgin Atlantic and Mexicana Airlines. (FFGuru comment- There are no details on this, so be weary. I'd ask for more info. Key questions to ask about any companion ticket program are 1) How much is the companion ticket 2) what airlines does this apply to 3) where do I have to purchase my tickets in order to receive this benefit, and 3) what class of service to I have to purchase for this offer (ie is the companion ticket available even if I purchase a discount fare)

Free Membership in Identity Theft Monitor

Retail Protection
Retail Protection covers most items purchased with your Citi Platinum American Express Card against theft or accidental damage up to $1,000 and up to 90 days from the date of purchase.

Price Protection
It's probably happened more often than you care to remember: You purchase an item and the very next day you see it on sale for less than you paid. Avoid this kind of frustration when you pay with your Citi Platinum American Express Card.

If you buy something and then see it advertised in print for less within 60 days, you will receive a refund for the difference up to $250. (Excludes internet purchases and certain items.)

Message edited by: FFGuru on 2007-09-15 16:24:59 CDT
alert mods    
rated:

FFGuru said:Hello! I just added two new cards to the OP. You can see them there, and here is more info.

-> Thanks ChiefRocka for the excellent Associated Bank Card. It is an great addition to the list. See his post for more info (about 15 prior to this). Sorry it took me so long to add it.

-> Thanks to CoolBargains for the PM about the new Citi Platinum AmEx Card (listed under limited time offers) As I said in my OP this is an exciting card. Here's more info...

15,000 ThankYou Points
Earn 15,000 bonus ThankYou Points after you make $300 in purchases within 3 months of becoming a cardmember.

Complimentary Airport VIP Lounge Access
Access to 500 airline lounges world wide (various airlines) regardless of class of service. Free annual membership in Priority Pass, VIP airport lounge program (a $99 annual savings) and the cost of your first 3 cardmember lounge visits waived (normally $24 per visit) – initial enrollment required along with yearly renewal. (FFGuru comment- Priority Pass is generally a well rated & received stand-alone company that provides access to airline lounges. If desired, you can purchase membership regardless of the CC you hold)

Unlimited Airline Companion Tickets
Make your next trip more affordable with unlimited companion tickets on domestic and international airlines to hundreds of destinations on several domestic and international airlines including Virgin Atlantic and Mexicana Airlines. (FFGuru comment- There are no details on this, so be weary. I'd ask for more info. Key questions to ask about any companion ticket program are 1) How much is the companion ticket 2) what airlines does this apply to 3) where do I have to purchase my tickets in order to receive this benefit, and 3) what class of service to I have to purchase for this offer (ie is the companion ticket available even if I purchase a discount fare)

Free Membership in Identity Theft Monitor

Retail Protection
Retail Protection covers most items purchased with your Citi Platinum American Express Card against theft or accidental damage up to $1,000 and up to 90 days from the date of purchase.

Price Protection
It's probably happened more often than you care to remember: You purchase an item and the very next day you see it on sale for less than you paid. Avoid this kind of frustration when you pay with your Citi Platinum American Express Card.

If you buy something and then see it advertised in print for less within 60 days, you will receive a refund for the difference up to $250. (Excludes internet purchases and certain items.)

This card isn't that great though... $99 annual fee after the 1st year!! Why hasn't anyone mentioned this before?


alert mods    
rated:

moulder3 said:n see it advertised in print for less within 60 days, you will receive a refund for the difference up to $250. (Excludes internet purchases and certain items.)

This card isn't that great though... $99 annual fee after the 1st year!! Why hasn't anyone mentioned this before?

It's in the OP, but as you point out, it should be in the post above as well. Point taken about the annual fee

The card certainly isn't for everyone, however.... don't just consider the annual fee. Consider what you get for the annual fee. And for that you have to look at both the rewards and benefits in tandem.

The first year is free, the second's is more than offset by the 15,000 bonus you already received. So for two years, you have a great card essentially for free. After that, some of us might find the residual benefits (airport lounge, companion cert) to be worth more than the annual fee. Like everything YMMV.


alert mods    
rated:

My experience with Citibank is that you can probably get the 2nd year fee refunded if call to cancel before the 2nd year is up...Otherwise, that is a nice card......


alert mods    
rated:

If you convert an existing account to the new Citi card, will you still get any of the special offers (5x/3x points, and 15,000 bonus)?

Message edited by: BLTLSOH on 2007-09-15 23:33:13 CDT
alert mods    
rated:

scripta said: There's some difference of opinion here, and maybe some don't understand how the card works. Since many of us use this as the primary card, we should settle in the middle and keep the information as accurate as possible. Let the readers decide for themselves. Here's what I think the description should look like:

I think you gave a valid assessment of the card and its benefits, therefore, I included your description of the card in the OP. I tried to give appropriate credit. I also upgraded the rating to three smileys. Thanks for the feedback.

The order of cards isn't necessarily a hierarchy. I am not trying to take away from the benefits of the card. I just want to give some sort of organization to the list. You'll see that the Citi Platinum AMEX is in the same category despite being one of my personal favorites.


alert mods    
rated:

FFGuru said:moulder3 said:n see it advertised in print for less within 60 days, you will receive a refund for the difference up to $250. (Excludes internet purchases and certain items.)

This card isn't that great though... $99 annual fee after the 1st year!! Why hasn't anyone mentioned this before?


It's in the OP, but as you point out, it should be in the post above as well. Point taken about the annual fee

The card certainly isn't for everyone, however.... don't just consider the annual fee. Consider what you get for the annual fee. And for that you have to look at both the rewards and benefits in tandem.

The first year is free, the second's is more than offset by the 15,000 bonus you already received. So for two years, you have a great card essentially for free. After that, some of us might find the residual benefits (airport lounge, companion cert) to be worth more than the annual fee. Like everything YMMV.

The annual fee of 99 bucks in the second year is offset by the free identity protection membership from citibank (13 bucks monthly). Plus you get the priority club membership access for free which usually is 99 dollars a year. Plus with this card, you get three visits to the premier lounges free (usually 24 dollars or more per visit). Plus as OP said, 15k TY points and lastly the 5TYP for EDS and 3 TYP for all others for 2 years is really a slick offering.
I dont see any other card that beats this one.


alert mods    
rated:

ChiefRocka said:Boom shaka laka

There is a way to still get the benefits of the Citi Dividends Card. Associated Bank issues an unadvertised card called the “Associated Bank Cash Rebate Card”. They issue it through Citibank’s co-brand platform. The terms are exactly the same as the old Citi Dividends Card before they limited the benefits.

5% cash rebate on supermarkets, gas stations, drug stores.
1% on everything else.
Max $300 Rebate Dollars every calendar year.
Request checks when reward balance $50 or more.
5 rebate dollars for each individual transaction of $1,500 or more.
0% BT for 9 months. BT transfer fee: 3% $5 min, $75 max.
No annual fee.

Apply by calling 1-877-577-9485 an ask for the card.

If you have an Associated Bank near you, you can pick up the application in branch.

Link to Bank Website - Offer is unadvertised

Information about Associated Bank

Is this "permanent" or similar to the current Citibank Dividend 5% for 6 months only?


alert mods    
rated:

hanlong said:Is this "permanent" or similar to the current Citibank Dividend 5% for 6 months only?

It is "permanent" in that the 5% rebate is not an introductory offer. Of course, the rebate program can be changed at any time. If Citi changes the rebate program, you will likely get the 5% rebate for at least a year.


alert mods    
rated:

Also about the Associated Bank card, is this available nationwide? When I called Associated Bank and asked what states this is card is available in, the CSR said it was only available in states that have Associated Bank branches (Wisconsin, Minnesota, and Illinois). She also said that it was available to people in other states who already have another account with Associated Bank. Are people from other states (who don't have an Associated Bank bank account) getting approved for this card?


alert mods    
rated:

I followed directions and applied for card (Associated Bank) over the phone. Got the card in the mail and nothing inside suggested 5% rebate on gas/drug/grocery. I called customer service and they stated it's only 1% rebate on all purchases. He said he'd honor the 5% if I can provide him with the offer. Anyone have an offer number for the 5% program? I live in Georgia - not sure if that is the problem.

Message edited by: OhSteve on 2007-09-17 11:27:10 CDT
alert mods    
rated:

BLTLSOH said:If you convert an existing account to the new Citi card, will you still get any of the special offers (5x/3x points, and 15,000 bonus)?

no bonus for any conversion. You can try retention though, which might (YMMV) get you the 5x/3x points for 1 year but never will they give you the bonus points through a conversion.


alert mods    
rated:

OhSteve said:I followed directions and applied for card (Associated Bank) over the phone. Got the card in the mail and nothing inside suggested 5% rebate on gas/drug/grocery. I called customer service and they stated it's only 1% rebate on all purchases. He said he'd honor the 5% if I can provide him with the offer. Anyone have an offer number for the 5% program? I live in Georgia - not sure if that is the problem.

An update: I got the card and already got my first statement. I am correctly getting 5% rebate on gas, groceries, and drugstores. So, I know mine is working correctly. Thanks ChiefRocka!


alert mods    
rated:

Also about the Associated Bank card, is this available nationwide? When I called Associated Bank and asked what states this is card is available in, the CSR said it was only available in states that have Associated Bank branches (Wisconsin, Minnesota, and Illinois). She also said that it was available to people in other states who already have another account with Associated Bank. Are people from other states (who don't have an Associated Bank bank account) getting approved for this card?

An update: I got the card and already got my first statement. I am correctly getting 5% rebate on gas, groceries, and drugstores. So, I know mine is working correctly. Thanks ChiefRocka!

What state do you live in? People need to know if this works everywhere or just the three states that have Associated Bank branches.


 Close

Sign Me In
Nickname: 
Password: 
Remember My Login Information:

Forget your login information?

Not Already A Member?
Sign Up Now!

  • Quick Reply:  Have something quick to contribute? Just reply below and you're done! hide Quick Reply
     
     
    Click here for full-featured reply.


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.


While FatWallet makes every effort to post correct information, offers are subject to change without notice.
Some exclusions may apply based upon merchant policies.
© 1999-2009