5% Reward Cards.... A comprehensive list!

wxl31 said: Applied by automated phone system for the Associated Bank Cash Rebate card using 1-877-577-9485. Received my card today. Card is silver and green and is printed with "Associated Bank Cash Rebate". However, on the paper the cards were stuck to, it says "Associated Bank Platinum Card". The two have different reward programs.

During activation, asked CSR to clarify what card I had. She said only 1% Cash Back on all purchases (platinum card). Escalated to supervisor and he said the first CSR was mistaken, that I had received the cash rebate card which has 1% Cash Back on all purchases AND a 4% bonus Cash Back on everyday purchases for life that the first CSR did not notice.

Will try it out to confirm and update my post when the bill/rewards post.

Just received my first bill. 5% reward is slightly off for some reason, but it is apparent that the 5% is still largely valid for gas, groceries, and drug stores.

Ponger said: Has any student applied for the associated bank cash rebate card? I gave it a try tonight and the automated options are terrible. There's no option for a student who chooses a residence he doesn't own or pay rent (parents home) and there's no option to choose no job. I just had to hang up.

I applied by talking to a rep.......get the number from the bank website.

Ponger said:

What number did you call? I called the 577-9485 and that was automated, I called the 866-492-6827 number listed for the other credit cards and still got an automated system.

I called the 1-800-236-8866 number for customer care and that associate told me it wasn't possible to sign up for the card other than using the phone system. She always told me that there's a website link so I took it with a grain of salt.

EDIT* 2nd rep told me I had to be in Wisconsin or Minnesota to get be able to get the card. Guess it rules that card out.

sorry I don't have a record of tel no. .........it's probably the customer care no. you listed since I got it by searching the website. Try a 3rd time?

Rokuk said: Glitch99 said: bcotton said:
For example, a Publix is probably classified as a grocery store. I'm assuming a CostCo or Sam's Club is not?


I get the feeling Costco and Sam's Club are classified as discount warehouse clubs. I've seen cards that have reduced or no rebates at Sam's Club.

budster said: When I called in to find out more behind the rejection letter, I was told that I basically scored too low on their approval score and that paying off the balance of my accounts in full (which I do) actually works against me in terms of the approval score. Their reasoning was that on the credit file summary (which is the only part they look at), it doesn't show a revolving balance which would indicate any usage or payment history of my current accounts..Not true. The balance that is reported is what you owe at the end of the month. Either you didn't understand or they didn't, as there is something else at work here.

( By the way, my child who is a Junior in college just got approved from Associated Bank for a huge credit line. And this child only has one card - not quite 3 years old. And PIFs every month)

Automated phone system. Neither of those states

Child's only other card is 32 months old with a $5K credit limit. PIFs. Was approved by Associated bank for $20K

mttatkns said: ellory said: Child's only other card is 32 months old with a $5K credit limit. PIFs. Was approved by Associated bank for $20KIf you don't mind sharing, what is child's rough credit score and reported HHI?
1. Don't know
2. I do mind

gwu1986 said: Applied online, approved instantly for a semi-okay CL of 20k. In my account list, the card is listed as a tiered rewards card.
semi-okay?!?

ColbyS said: ellory said: my child who is a Junior in college just got approved from Associated Bank for a huge credit line. And this child only has one card - not quite 3 years old. And PIFs every month
Either you're lying or you're not giving us the full story. A junior in college with a single credit tradeline and only 32 months of payment history is not getting a 20k line. Didn't happen during the credit bubble and certainly not going to happen now.

My guess is she used you or your spouse's information as the primary and made herself an authorized user.

maybe they have a high HHI

ColbyS said: ellory said: my child who is a Junior in college just got approved from Associated Bank for a huge credit line. And this child only has one card - not quite 3 years old. And PIFs every month
Either you're lying or you're not giving us the full story. A junior in college with a single credit tradeline and only 32 months of payment history is not getting a 20k line. Didn't happen during the credit bubble and certainly not going to happen now.

My guess is she used you or your spouse's information as the primary and made herself an authorized user.I have been around here long enough that the regulars can judge whether I lie on this board. Have I ever been wrong? Sure. Unwilling to divulge certain details that could be identified with me? Guilty. Lie? Never.

And no, my child did not make themselves an authorized user. How do I know? Because we did the phone application together. And, as my child is out of town on a college internship, I am the one who was home - and opened the letter from Associated Bank - so I know with certainty exactly what they said and what card was inside

Strangely, my child also applied for a Chase college card and a Capital One No Hassle Cash rewards - and was turned down for both. The first for insufficient history, the second for too many inquiries. (Why the 3 card applications? Because my child only had one card, and it seemed to make sense to get some more tradelines before credit rules got worse, to improve the rewards programs, and to have a backup card or two in case the primary card was lost, stolen, or canceled.

Would have done PenFed, but the way the questions were asked about employment, residency, and HHI made it apparent that honest answers would result in a denial, so we nixed that application

Wow. Guess the rumors of the credit bubble being over are grossly exagerated.

gwu1986 said: Sorry if this has already been posted, I did not read the prior zillion pages.

I received an invitation from USAA today offering a 5% CashBack (black) AMEX on gas, groceries (not warehouses unless they classify as grocery store), and dining categories , for one year. The 5% CashBack is limited to the first $650 in monthly purchases for each category. The rebate is paid in January (do not like that part).

Applied online, approved instantly for a semi-okay CL of 20k. In my account list, the card is listed as a tiered rewards card.

I determined the $650 max for two categories (dining and groceries, not gas as I already receive 5% cash rebate from Penfed) is worth: 650*2*.05*12=780/yr. This may be worth it to some.

Name of Card is: USAA Cash Rewards American Express Card ITA (credit card, not charge card version). No annual fee.

This is a great card. Not only are there good rewards for the first year, the APR rate is insanely low (variable, but currently 6.15%) and there are no fees for cash advances. Also, you can link your USAA card to your USAA bank account for overdraft protection

americano said: I agree with ColbyS. Seems like ellory is here to get help but not give help. That's mean and against FW idealogy.Right. I never help anyone. Like here (DMV thread), here (Computer Networking thread) , here (unique credit card benefits thread), and here (UFirst Thread)

Oh, and here (IRA rollover retirement strategy thread)

That's me. ellory. The person who is mean, against FW idealogy, and NEVER helps anyone

americano you dont have a clud wgat you are talking about so get off your high horse when you know nothing about ellory, someone who has selflessly helped the fw community for years

Especially when your screename is not particularly memorable for offering help to others

I tried applying for the associated bank card about 2 weeks ago. I haven't heard from them yet and tried calling 877-577-9485 today. That number has been disconnected. The 866-492-6827 number on the Associated website referred me to another 800 number for application status (888-201-4523). I assume that's Citibank (the voice prompts sounded like Citi). The agent said that they're sending me an IRS form that I'm supposed to return. I haven't gotten it yet, but anyone know what this is? I'll post more when I receive it.

I just dialed it without the 1(ie just dialed 877-577-9485) and it still works for me. I almost applied for the card just because I called the number

I just checked CitiCards.com, and it turned out the Platinum American Express Card offer is dead: the annual fee is no longer waived for the first year, and you only get 3 points at grocery and gas station now.

No...i got mine very smoothly....it's really Citibank that is servicing the card and giving you the credit line....did you ever have a problem with Citibank before?

DDD777 said: 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


Thanks ChiefRoka; I and my wife both applied for this one and got them last month (California)... I got a $15k limit and she got a $50k limit. Go figure. We have FICO scores within a couple of points of each other, over 800.

The 5% Cash Back is working great; we funnel the groceries through hers, mostly, and the gas through mine, mostly. Should be able to max out the $300 5% Cash Back limit on each card this way. Great find!

Hi there,

I just applied for the Associated Bank 5%. When I called the customer service (which really is citibank folks), they said they saw no reward program I was enrolled in.

To make things worse, one agent said she saw I was enrolled in the Cash Rewards program but someone removed me from it. This is despite just applying and getting the card.

Could you comment on this from your experience? Thanks for helping a fellow mate out. cheers