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Last Updated: 11/17/07 Citi Cash Returns MC added (5% on everything,unlimited for 3 months)

Below you will find a comprehensive list of credit cards which earn at least 5% rewards in specific purchase categories. If you are shopping for a great rewards card, this is a list for you.

None of the cards have an annual fee unless specified. Please reply with links to additional cards or better signing offers. I will try to keep the OP up to date.

Reward cards generally don't come with desirable APR's, so you won't want to carry a balance on any of these cards. I do not consider APR's when rating.

•Bonus: Bonus for new applicants.
•Reward Limit: Rewards cap (in the form of cash or gift cards)
•Redeem For: Reward options which won't devalue points*. "GC"= Store specific gift cards.
•Increment: The min. cash/GC increment you can redeem at full point value.

Earn 5% rewards in the following purchase categories (and generally 1% elsewhere) with the linked card ......


    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
    Associated Bank Cash Rebate Card (Thanks ChiefRocka)
    •Bonus: None •Reward Limit: $300/yr •Redeem For: Cash •Increment: $50
    (PLEASE reconfirm T&C over the phone. Info comes from ChiefRocka's post in this thread. I cannot verify it's accuracy.) This card is not publicized and is only available over the phone. The bank's website is linked for information only. The card is co-branded with Citi. In addition to the 5% area you'll earn 1% on everything else, and 5 reward dollars for every individual transaction greater than $1,500. ChiefRocka gives a phone number in his post, however, since I cannot verify that the number is legit, I suggest calling the number on the banks website linked above. Please double check the T&C when applying and let us know what you think!

    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases) DRY CLEANING
    Washington Mutual Platinum MC (Thanks lhendricks92, lemec!)
    •Bonus: Add'l 5% on gas for 1 year •Reward Limit: ??? •Redeem For: Cash •Increment: $20
    With this card, you'll earn the 5% on everyday purchases & dry cleaning after your first $4,000 in total purchases each year. Plus, for the first 6 months you'll earn an additional 5% on gas. This card is tiered which is a negative, however, in my experience tiered 5% cards stick around longer than the non-tiered. Tiers encourage customer spending. It's a lot like the AMEX Blue Cash (listed below) however the 5% rewards kick in $2,500 sooner with WAMU, but, you earn 1% on general purchases rather than AMEX's 1.5%. Find out more on this FW thread This card is probably best for people who use credit quite often, and only want cash rewards.


    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
    AmEx Blue Cash (Thanks e1Superman, billrubin, DaveHanson)
    •Bonus: None •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 1.5% 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. This card is probably best for those of you who use credit a lot, don't want to carry a different card for every purchase, and don't want to fool with points.


    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases), US POST OFFICE, RESTAURANT, CELL BILL, HILTON FAMILY HOTELS
    Hilton HHonors Platinum AmEx (Thanks zhubaobao & Joe1690)
    •Bonus: 10-20,000 pts. •Reward Limit: ??? •Redeem For: Hotel Stays •Increment: Varies
    The rewards of this card are only valuable toward Hilton-family hotel stays, but the broad earning capability makes up for that shortcoming. You'll earn 5 points per $1 spent in the listed categories, and 3 points everywhere else. The value of a point is somewhere between .5 to 1.4 cents depending on how you redeem your rewards. It is may not your best everyday purchase card, but the 5 points at on USPS, Restaurant, Cell, & Hilton purchases are excellent. Sign up now for 10,000 bonus point with your first purchase, and up to an additional 10,000 bonus points by staying at Hilton. This card is best for people who travel quite a bit and can use hotel rewards. Looking for a hotel card? Look at the Starwood card as well.


    GAS, AUTO REPAIR
    Discover Open Road
    •Bonus: None •Annual Limit: See Summary •Redeem For: Cash, GC** •Increment: $20
    5%** Cash Back on gas and car repair services for the first $1,200 in gas purchases per year. The low limit and limited reward area hurts, but a benefit is that you can more than 5% back by redeeming points for gift cards rather than cash. You'll get 6.25% back if you redeem points for gift cards to everyday type retailers (Gap, Borders, ACE) and 10% to more exclusive places (Sharper Image, Cruises, Hyatt)


    GAS
    Pen Fed Visa Platinum rewards Thanks telflonmail
    •Bonus: None •Annual Limit: ? •Redeem For: ? •Increment: ?
    This card is under review. According to telflonmail there is no annual fee, rewards are credited each month, and you earn a good 1.25% on non-gas purchases. More information on this FW thread.


    GET MORE PURCHASES
    Discover Platinum
    •Bonus: None •Annual Limit: See Summary •Redeem For: Cash, GC** •Increment: $20
    "Get More Purchases" are are rotating promotions which give you 5%** back on purchases in the area the promotion covers. Past promotions have ranged from getting 5% back on hotel stays, restaurants, gas, airplane tickets and much more. The promotions change quarterly and you must sign up for each promotion (it's easiest via the web.) Promotions can be very valuable and often cover areas outside of any other card's 5% area. If you have a decent memory and can keep track of the current promotion when you're out and about, it is a pretty good deal. If not, it may be more hassle than it's worth. Visit discovercard.com to view the latest Get More Promotion.


    RESTAURANTS, BOOKSTORES, RECORD STORES, MOVIE THEATRE, MOVIE RENTAL STORES
    MtvU Visa from Citi (For College Students Only) (Thanks poo & czarandy!)
    •Bonus: None •Reward Limit: $750/yr •Redeem For: GC, Travel, Merch •Increment: $50?
    Okay, admit it.... you thought about enrolling in community college just to get this card. Its great because of the broad 5% earning capability. You will not get the full value of the rewards if you redeem as cash (<5%). Part of Thank You.


    GAS, OFFICE SUPPLIES, UTILITIES, COMPUTER EQUIPMENT, CELL PHONES, INTERNET
    Advanta Platinum BusinessCard MC (For Businesses Only) (Thanks bluechalk, Morty & ScootyPuffSr)
    •Bonus: None •Reward Limit: $60/Year •Redeem For: Cash? •Increment: ???
    The great thing about this card is its broad 5% earning potential. Too bad that it is just for businesses and the limit is low.... otherwise it might receive a higher rating. More about the card is on this FW thread.


    OFFICE SUPPLIES
    Discover Business Card For Businesses Only Thanks SlimCustomer
    •Bonus: None •Reward Limit: None •Redeem For: Cash, GC •Increment: $20
    While this card has a limited reward area, the non-existant reward limit is a nice feature. You will also earn 2% back on Gas, and up to 1% on all other purchases. If you are going to max out your Avanta business card (above) this might be a good one to suppliment.


    GAS, OFFICE SUPPLIES, WIRELESS SERVICES
    American Express Simplycash Business Card For Businesses Only Thanks g10ny & Clocks!
    •Bonus: None •Reward Limit: None •Redeem For: Statement Credit •Increment: Any
    This is a pretty new card. It sounds like your rewards are automatically credited to your account with no maximum per year.




LIMITED TIME Reward Offers.
These cards give 5% or more in purchase rewards for a limited number of months.



    EVERYTHING
    Citi CashReturns MC (thanks lhendricks92, mountainview)
    •Bonus: See description •Annual Limit: none•Redeem For: Cash •Increment: 50
    At 5% on every puchase with no limit, this is a great card. Too bad this offer is only for 3 months. Afterwhich it is a pretty standard 1% card. If you have some big purchases coming up (think Christmas), it may be worth the limited rewards time frame.


    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
    Citi Platinum American Express (thanks coolbargains)
    •Bonus: 15,000 points after $300 •Annual Limit: 150,000 pts •Redeem For: GC, Travel, Merchandise •Increment: ??
    WARNING: this is the only card on the list with an annual fee (a whopping $99 waived the first year) BUT read on and check it out... many of us will find it well worth it. This card is quite different from the rest, so in order to fully realize it's value, you'll have to think of it in a different context. The card is geared for travelers who want a premium benefit & rewards card. Most of the other cards on this list have good rewards, but poor benefits. This has both. Rewards-You earn 5% on everyday purchases and an excellent 3% on everything else for 2 years. Benefits include complimentary airline lounge access (an excellent benefit but read the fine print), airline companion tickets (ask for more info), price protection (too bad you didn't buy your iPhone with this!) and other premium card benefits. Think of it this way... The first year the annual fee is free, the second year's $99 will more than be offset by the 15,000 bonus points you already earned, and that's not to mention all of the other benefits & rewards of this card. Card reportedly requires good credit and income >50K.

    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
    Citi Driver's Edge Platinum Select MC (thanks MichaelBradford, fotomaniak, scripta, & scootypuffsr)
    •Bonus: None •Reward Limit: $1,000/yr •Redeem For: Statement Cred, GC, Travel, Merch•Increment: $25 (anything >
    Thanks to scripta for this description... 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 (some would say 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. More info in this thread.


    INTERNET, TELECOM, CABLE, SATTELITE TV & RADIO, UTILITIES
    Citi Home Rebate MC (thanks MichaelBradford & fotomaniak)
    •Bonus: None •Annual Limit: None •Redeem For: Mortgage Payment •Increment: N/A
    This card offers 6% rewards for one year, redeemable toward any mortgage and no earning cap. The broad and unique earning potential, plus the extra 1% really make this card a great value. Too bad the mortgage doesn’t go away in 12 months like the benefits of this card.


    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
    Citi Diamond Preferred MasterCard OR 20) American Express
    •Bonus: $100 •Reward Limit: $750/yr •Redeem For: GC, Merchandise, Travel •Increment: $50?
    For the MC, look for active bonus codes in the last pages of this FW thread. For the AMEX, the bonus is automatic. 5% is limited to 1 year.


    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases), CONVENIENCE STORES, UTILITIES
    Citi Dividend MasterCard (Thanks g10ny)
    •Bonus: none •Reward Limit: $300/yr •Redeem For: GC, Merchandise, Travel •Increment: ??
    The added value of 5% on convenience stores & utilities are nice. As long as you are protective of your credit, however, I generally don't recommend something with a decent reward which lasts only 6 months.


    STORE SPECIFIC CARDS (Thanks to those who submitted these cards!)




    DEFUNCT CARDS Cards which were at one time listed in this post but either no longer available or no longer offering 5% rewards.

      Discover Platinum Restaurant
      Discover Platinum Home Improvement
      Citi AT&T Cash Rewards Card
      AT&T Universal Rewards (turned into a store specific card)
      Citi Simplicity Cash
      Chase Rewards Plus
      Chase Cash Plus
      Chase Flexible Rewards
      Chase Perfect Card
      HSBC Direct Rewards Platinum
      GM Card


    * Some cards offer cash as a reward option but at a lackluster point/dollar ratio. In other words, you'd be earning less than 5%. Therefore, I do not list cash as a reward option for these types of cards. For the card to be truly valuable, we want $1 spent to equal 5¢ in rewards (5%).

    ** A benefit of Discover is that you can maximize your reward and feasibly double it by redeeming your reward as a gift certificate to certain specialty retailers, or get 6.25% back by getting gift certificates to more everyday type retailers. (click here for more info) Discover does not limit the total Cash Back bonus you can earn, only the amount in the 5% bracket.


Member Summary
Most Recent Posts
Penfed 5% gas, 2% groceries, 1% EDS

Fort Knox 5% gas, 1.25% EDS

I'd say Penfed has a slight edge... .25% is not going to b... (more)

angelmartinez (May. 23, 2010 @ 12:08a) |

You can get 7% back on gas and 3.25% EDS if you pay your Fort Knox bill with your schwab card.

http://www.fatwallet.com/f... (more)

UseTheForceJesus (May. 23, 2010 @ 3:44p) |

No Citi Forward? Great for the college experience and worthwhile enough to hold on to afterwards due to the discount at... (more)

Rayout (May. 31, 2010 @ 5:12p) |

Last Updated: 11/17/07 Citi Cash Returns MC added (5% on everything,unlimited for 3 months)

Below you will find a comprehensive list of credit cards which earn at least 5% rewards in specific purchase categories. If you are shopping for a great rewards card, this is a list for you.

None of the cards have an annual fee unless specified. Please reply with links to additional cards or better signing offers. I will try to keep the OP up to date.

Reward cards generally don't come with desirable APR's, so you won't want to carry a balance on any of these cards. I do not consider APR's when rating.

%u2022Bonus: Bonus for new applicants.
%u2022Reward Limit: Rewards cap (in the form of cash or gift cards)
%u2022Redeem For: Reward options which won't devalue points*. "GC"= Store specific gift cards.
%u2022Increment: The min. cash/GC increment you can redeem at full point value.

Earn 5% rewards in the following purchase categories (and generally 1% elsewhere) with the linked card ......


    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases) DRY CLEANING
    Washington Mutual Platinum MC (Thanks lhendricks92, lemec!)
    %u2022Bonus: Add'l 5% on gas for 1 year %u2022Reward Limit: ??? %u2022Redeem For: Cash %u2022Increment: $20
    With this card, you'll earn the 5% on everyday purchases & dry cleaning after your first $4,000 in total purchases each year. Plus, for the first 6 months you'll earn an additional 5% on gas. This card is tiered which is a negative, however, in my experience tiered 5% cards stick around longer than the non-tiered. Tiers encourage customer spending. It's a lot like the AMEX Blue Cash (listed below) however the 5% rewards kick in $2,500 sooner with WAMU, but, you earn 1% on general purchases rather than AMEX's 1.5%. Find out more on this FW thread This card is probably best for people who use credit quite often, and only want cash rewards.


    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
    AmEx Blue Cash (Thanks e1Superman, billrubin, DaveHanson)
    %u2022Bonus: None %u2022Reward Limit: None! %u2022Redeem For: Cash %u2022Increment: ???
    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 1.5% 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. This card is probably best for those of you who use credit a lot, don't want to carry a different card for every purchase, and don't want to fool with points.


    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases), US POST OFFICE, RESTAURANT, CELL BILL, hilton FAMILY HOTELS
    Hilton HHonors Platinum AmEx (Thanks zhubaobao & Joe1690)
    %u2022Bonus: 10-20,000 pts. %u2022Reward Limit: ??? %u2022Redeem For: Hotel Stays %u2022Increment: Varies
    The rewards of this card are only valuable toward hilton-family hotel stays, but the broad earning capability makes up for that shortcoming. You'll earn 5 points per $1 spent in the listed categories, and 3 points everywhere else. The value of a point is somewhere between .5 to 1.4 cents depending on how you redeem your rewards. It is may not your best everyday purchase card, but the 5 points at on USPS, Restaurant, Cell, & hilton purchases are excellent. Sign up now for 10,000 bonus point with your first purchase, and up to an additional 10,000 bonus points by staying at hilton. This card is best for people who travel quite a bit and can use hotel rewards. Looking for a hotel card? Look at the Starwood card as well.


    GAS, AUTO REPAIR
    Discover Open Road
    %u2022Bonus: None %u2022Annual Limit: See Summary %u2022Redeem For: Cash, GC** %u2022Increment: $20
    5%** Cash Back on gas and car repair services for the first $1,200 in gas purchases per year. The low limit and limited reward area hurts, but a benefit is that you can more than 5% back by redeeming points for gift cards rather than cash. You'll get 6.25% back if you redeem points for gift cards to everyday type retailers (Gap, Borders, ACE) and 10% to more exclusive places (Sharper Image, Cruises, Hyatt)


    GAS
    Pen Fed Visa Platinum rewards Thanks telflonmail
    %u2022Bonus: None %u2022Annual Limit: None. Rewards credited monthly. %u2022Redeem For: Automatic statement credit %u2022Increment: ?
    This card is under review. According to telflonmail there is no annual fee, rewards are credited each month, and you earn a good 1.25% on non-gas purchases. More information on this FW thread.


    GET MORE PURCHASES
    Discover Platinum
    %u2022Bonus: None %u2022Annual Limit: See Summary %u2022Redeem For: Cash, GC** %u2022Increment: $20
    "Get More Purchases" are are rotating promotions which give you 5%** back on purchases in the area the promotion covers. Past promotions have ranged from getting 5% back on hotel stays, restaurants, gas, airplane tickets and much more. The promotions change quarterly and you must sign up for each promotion (it's easiest via the web.) Promotions can be very valuable and often cover areas outside of any other card's 5% area. If you have a decent memory and can keep track of the current promotion when you're out and about, it is a pretty good deal. If not, it may be more hassle than it's worth. View the calendar to view the latest Get More Promotion.


    RESTAURANTS, BOOKSTORES, RECORD STORES, MOVIE THEATRE, MOVIE RENTAL STORES
    MtvU Visa from Citi (For College Students Only) (Thanks poo & czarandy!)
    %u2022Bonus: None %u2022Reward Limit: $750/yr %u2022Redeem For: GC, Travel, Merch %u2022Increment: $50?
    Okay, admit it.... you thought about enrolling in community college just to get this card. Its great because of the broad 5% earning capability(5 Thank You Network points (currently 3.125% if redeeming ca$h back)(student only)). You will not get the full value of the rewards if you redeem as cash (<5%). Part of Thank You.

    OFFICE SUPPLIES
    Discover Business Card For Businesses Only Thanks SlimCustomer
    %u2022Bonus: None %u2022Reward Limit: None %u2022Redeem For: Cash, GC %u2022Increment: $20
    While this card has a limited reward area, the non-existant reward limit is a nice feature. You will also earn 2% back on Gas, and up to 1% on all other purchases. If you are going to max out your Avanta business card (above) this might be a good one to suppliment.


    GAS, OFFICE SUPPLIES, WIRELESS SERVICES
    American Express Simplycash Business Card For Businesses Only Thanks g10ny & Clocks!
    %u2022Bonus: None %u2022Reward Limit: None %u2022Redeem For: Statement Credit %u2022Increment: Any
    This is a pretty new card. It sounds like your rewards are automatically credited to your account with no maximum per year.




LIMITED TIME Reward Offers.
These cards give 5% or more in purchase rewards for a limited number of months.



    EVERYTHING
    Citi CashReturns MC (thanks lhendricks92, mountainview)
    %u2022Bonus: See description %u2022Annual Limit: none%u2022Redeem For: Cash %u2022Increment: 50
    At 5% on every puchase with no limit, this is a great card. Too bad this offer is only for 3 months. Afterwhich it is a pretty standard 1% card. If you have some big purchases coming up (think Christmas), it may be worth the limited rewards time frame.


    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
    Citi Platinum American Express (thanks coolbargains)
    %u2022Bonus: 15,000 points after $300 %u2022Annual Limit: 150,000 pts %u2022Redeem For: GC, Travel, Merchandise %u2022Increment: ??
    WARNING: this is the only card on the list with an annual fee (a whopping $99 waived the first year) BUT read on and check it out... many of us will find it well worth it. This card is quite different from the rest, so in order to fully realize it's value, you'll have to think of it in a different context. The card is geared for travelers who want a premium benefit & rewards card. Most of the other cards on this list have good rewards, but poor benefits. This has both. Rewards-You earn 5% on everyday purchases and an excellent 3% on everything else for 2 years. Benefits include complimentary airline lounge access (an excellent benefit but read the fine print), airline companion tickets (ask for more info), price protection (too bad you didn't buy your iPhone with this!) and other premium card benefits. Think of it this way... The first year the annual fee is free, the second year's $99 will more than be offset by the 15,000 bonus points you already earned, and that's not to mention all of the other benefits & rewards of this card. Card reportedly requires good credit and income >50K.

    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
    Citi Driver's Edge Platinum Select MC (thanks MichaelBradford, fotomaniak, scripta, & scootypuffsr)
    %u2022Bonus: None %u2022Reward Limit: $1,000/yr %u2022Redeem For: Statement Cred, GC, Travel, Merch%u2022Increment: $25 (anything >
    Thanks to scripta for this description... 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 (some would say 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. More info in this thread.


    INTERNET, TELECOM, CABLE, SATTELITE TV & RADIO, UTILITIES
    Citi Home Rebate MC (thanks MichaelBradford & fotomaniak)
    %u2022Bonus: None %u2022Annual Limit: None %u2022Redeem For: Mortgage Payment %u2022Increment: N/A
    This card offers 6% rewards for one year, redeemable toward any mortgage and no earning cap. The broad and unique earning potential, plus the extra 1% really make this card a great value. Too bad the mortgage doesn%u2019t go away in 12 months like the benefits of this card.


    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
    Citi Diamond Preferred MasterCard OR 20) American Express
    %u2022Bonus: $100 %u2022Reward Limit: $750/yr %u2022Redeem For: GC, Merchandise, Travel %u2022Increment: $50?
    For the MC, look for active bonus codes in the last pages of this FW thread. For the AMEX, the bonus is automatic. 5% is limited to 1 year.


    GAS, SUPERMARKET, DRUG STORES (Everyday Purchases), CONVENIENCE STORES, UTILITIES
    Citi Dividend MasterCard (Thanks g10ny)
    %u2022Bonus: none %u2022Reward Limit: $300/yr %u2022Redeem For: GC, Merchandise, Travel %u2022Increment: ??
    The added value of 5% on convenience stores & utilities are nice. As long as you are protective of your credit, however, I generally don't recommend something with a decent reward which lasts only 6 months.


    STORE SPECIFIC CARDS (Thanks to those who submitted these cards!)




    DEFUNCT CARDS Cards which were at one time listed in this post but either no longer available or no longer offering 5% rewards.

      Discover Platinum Restaurant
      Discover Platinum Home Improvement
      Citi AT&T Cash Rewards Card
      Advanta Platinum Businesscard
      AT&T Universal Rewards (turned into a store specific card)
      Citi Simplicity Cash
      Chase Rewards Plus
      Chase Cash Plus
      Chase Flexible Rewards
      Chase Perfect Card
      HSBC Direct Rewards Platinum
      GM Card




    * Some cards offer cash as a reward option but at a lackluster point/dollar ratio. In other words, you'd be earning less than 5%. Therefore, I do not list cash as a reward option for these types of cards. For the card to be truly valuable, we want $1 spent to equal 5¢ in rewards (5%).

    ** A benefit of Discover is that you can maximize your reward and feasibly double it by redeeming your reward as a gift certificate to certain specialty retailers, or get 6.25% back by getting gift certificates to more everyday type retailers. (click here for more info) Discover does not limit the total Cash Back bonus you can earn, only the amount in the 5% bracket.



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

change citi "divident" to DIVIDEND
also add Citi ATT Universal, same rewards as dividend

RESTAURANTS
Discover Platinum Restaurant Card
5% Cash Back on restaurants, or up to 10% when used to get gift cards/gift certificates from Discover partners

INTERNET, TELECOM, CABLE, SATELLITE, UTILITIES (HOME GAS, ELECTRICITY, WATER)
Citi Home Rebate Platinum Select
6% rebate for 1 year (applied to home mortgage principal)

7000+ GROCERY/DRUG STORE ITEMS
Citi® Upromise® Card
11% into your UPromise acccount (which is withdrawable anytime by sending them a request) on 7000+ grocery items

Circuit City PURCHASES
Circuit City Visa
5% back in Circuit City gift certificates on Circuit City purchases

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.

Any links to confirm this info? I couldn't find any specifics on the app pages. Exactly how much Cash Back can you get from this card yearly?

"Five points will be earned for each dollar of net purchases made at retail establishments that classify their merchant location for Visa/MasterCard as a gas station, grocery store or Drugstore, and one point for each dollar of net purchases everywhere else. Awards are subject to program restrictions, including 21 day advance ticketing and Saturday night stay. A service fee of up to $25.00 will be charged for the use of Reward Headquarters services for redemption of air travel. Points are not earned on balance transfers, cash advances, any checks that access your account, overdraft protection advances, travelers checks, finance charges, or fees of any kind, including fees for products that protect or insure the balances of the cardmember's account. Maximum point accumulation is 75,000 points annually on net purchases. The maximum cash reward redemption is $600 per calendar year. Once enrolled, your rewards disclosure will be sent to you containing all program guidelines and benefits."

Here's the PDF for rewards on this card

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%.

Nice work for putting these up, OP!

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

OP - You may want to change title to "5% PLUS back credit cards"

Also, you may wish to consider revising the thread for 3% or more back as there are many cards that have 3% in certain categories or with certain merchants (e.g., Amazon.com, Buy.com, Sony, etc.)

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!

Skipping 1379 Messages...
onezerone said: So I am a college student and have six choices in my mind for a CC. I would like to have a decent Cash Back return and hopefully not have to change/get a new card in the near future. These are the choices:

1. PenFed Platinum CashBack Rewards
2. Union Bank Maximum Rewards® Platinum Edition® Visa® Card
3. Fidelity® Investment Rewards® Visa Signature® Card
4. Citibank Dividend Platinum Select for College Students
5. Citi CashReturns® Card
6. Chase Freedom/Chase Sapphire

Not a big fan of companies who jacked people in their pursuit for a higher profit margin so ethically, I would rather go with the other companies...but realistically, I have to do what is best for me. Also, would like to have a check sent to me instead of just receiving a credit to the account so I can actually choose in how the money is spent but that is another want and not a need.

Thanks.


No Citi Forward? Great for the college experience and worthwhile enough to hold on to afterwards due to the discount at Amazon.

If you go with Chase, I would recommend biting on one of their sign up offers for their checking accounts for some more $$ in your wallet, if you have an account with them the card gets upgraded to give you 10 extra points per purchase and a 10% bonus (essentially, 1.1%+$0.10 per transaction). Great for small purchases like when you order off a dollar menu. A $2 purchase gives a return of 12.2 points or 6%.

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