Which card to use where?!?

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The following is a list of the most rewarding credit cards by purchase category..... It will tell you which cards to use where. With your help, it is designed to be comprehensive and include every category in which you can earn more than the standard 1%. I'll list the top card(s) of each category. There are already some excellent FW reward card threads, this one is just organized a bit different.

Just like my 5% Reward Card Thread I’ll continue to add to the list based on your suggestions and include any promotions you might know of. Simply reply to the post with a link of any additional cards, or application information. None of the cards listed have an annual fee unless noted.

I don’t expect everyone to go out and apply for every card listed. If you spend a lot in any one area though, or are looking to make a big purchase in the future, this list should come in handy. Just about all of the cards give 1% outside of its specialty area.... so if you've got a card that just gives you a flat 1% on everything, this may be your inspiration to switch to a new card or rewards program.

Reorganized- More in-depth descriptions of each card are now located toward the bottom of this original post. First find the name of the card which interests you, then find out more at the bottom.

NEW- In my OP I have added a list of gift cards you can get for 5% off by purchasing them at specific grocery stores or drug stores (assuming you buy them with a credit card which offers 5% off on grocery or drug store purchases)





College Student Cards- for those purchasers falling into special categories.



    <img src="i/expressions/face-icon-small-smile.gif" border=0> COLLEGE STUDENTS…….
    5% on Restaraunts, Bookstores, Record Stores, Movie Theatre’s, Movie Rental.
    MtvU Visa from Citi


Company Specific Credit Cards- which earn more than 1% for in-store purchases. Select cards listed. This is by no means all-inclusive.


NEW!!- Gift Cards for 5% off- If you have a card which earns you 5% at Grocery or Drug Stores, why not use it to buy one of those gift cards for purchase in the checkout lane. Since the gift card is a purchase at a Grocery or Drug Store, you'll earn 5% on its price, therefore extending the area in which you earn 5%. The ones I've listed do not have a surcharge, but may have an inactivity fee, so wait to buy until you know you will use them. Please reply with a list of offerings you've found. I'll keep adding to the list. The majority of these listed came from vgwbugman69 (for Walgreens) and Kempman (for Safeway). It is appreciated! NOTE: Cards which can be purchased at Safeway can generally also be purchased at their family of stores (Vons, Pavillions, etc) Discuss the GC strategy in Kempman's thread here.

    * AMC Theatres- available at Walgreens, Safeway
    * American Express Gift Card- Charges a hefty activation fee. Don't be tempted.
    * American Airlines- cards available at Safeway
    * America West Airlines- $50 cards available at RiteAid
    * Applebee's- available at Walgreens
    * Barnes & Noble- 5% off of books, What a NOBLE idea! @ Safeway
    * Bass Pro Shops- Available at Safeway. But the line was this I-------------I big <img src="i/expressions/face-icon-small-wink.gif" border=0>
    * Best Western- available at Walgreens (does anyone have the specifics on how it works?)
    * Bed, Bath & Beyond- available at Safeway
    * Blockbuster- available at Walgreens, Safeway
    * Borders- available at Walgreens (but Discover gives an added 25% thru their Cash Back Bonus Program)
    * Brinker Restaurants (Chili's, Corner Bakery, On The Border, Maggiano's, Macaroni Grill and Rockfish)- Walgreens & Rite Aid
    * Build a Bear- available at Walgreens
    * Darden Restaurants (Red Lobster, Olive Garden, Smokey Bones and Bahama Breeze)- Walgreens, and Safeway
    * Disney- Special offer gift card at Safeway... I don't know anything else.
    * Finish Line- Walgreens
    * Foot Locker- Safeway
    * Gap- Safeway (but Discover will give you an added 25% if you get a GC thru their Cash Back Bonus program)
    * Great American Days (experience gifts)- available at Walgreens
    * Hollywood Video- Available at Walgreens
    * Home Depot- available at Safeway
    * iTunes- Available at Walgreens, Safeway, Rite Aid (Thats 95 cents/song!)
    * Landry's Restaurants (Landry's, Joes Crabshack??)- available at Walgreens
    * Linens n Things- RiteAid
    * Lowes- available at Rite Aid
    * Marriott- at Safeway (does this include the Ritz? Its owned by Marriott?!)
    * Nordstrom- available at Safeway
    * Old Navy- available at Safeway
    * Pizza Hut- Available at Walgreens
    * Radio Shack- Safeway
    * Regis Salon- Walgreens
    * REI- Safeway
    * Sears- available at Safeway, Albertsons
    * Sharper Image- Safeway (but if you have Discover, get the gift card for 2x value using your Cash Back Bonus)
    * Shell- available at Walgreens but most drug store cards give you 5% on gas too.
    * Spa Finder- find it at Walgreens
    * Sports Authority- at Safeway
    * Starbucks- Available at Walgreens, Rite Aid?, Safeway (Also, in select Albertsons you can turn your coinstar credit into a Starbucks for no counting fee... thats a 9% savings!)
    * TGI Fridays- pick up at Walgreens
    * Tower Records- available at Walgreens
    * Toys "R" Us- Walgreens
    * US Post Office- Not really a GC, but buy stamps at the grocery drug store to save 5%
    * Virgin Digital Music- find it at Walgreens


Business Cards- earning more than 1% on business purchases.

    5% FEDEX, HERTZ, USA TODAY, 1800 FLOWERS.COM
    Business Cash Rebate from AmEx (#12)

    GAS, OFFICE SUPPLIES, UTILITIES, COMPUTER EQUIPMENT, CELL PHONES, INTERNET
    5% Advanta Platinum BusinessCard MC (#13) <img src="i/expressions/face-icon-small-smile.gif" border=0><img src="i/expressions/face-icon-small-smile.gif" border=0><img src="i/expressions/face-icon-small-smile.gif" border=0>(For Businesses Only) (Thanks bluechalk & Morty)
    The great thing about this card is its broad 5% earning potential. Too bad that it is just for businesses and rewards are limited to $300 per year and $25 per month.... otherwise it might receive a higher rating. More about the card is on this FW thread.


Card Descriptions-


    1) Airline-Branded Cards
    Frequent flier cards can be very valuable. While with many of them you may only earn 1 mile per dollar, that one mile is often worth 1.5-4% of your purchase when you figure in the value of the free ticket you receive, bonus miles, free perks, etc. There is more discussion on these cards in another one of my new threads. Just google your favorite airline and the words credit card too.

    2) Discover Platinum with Get More
    Thru March 31, you'll earn 5% Cash Back (or up to 10% back with Gift Cards) on purchases at the dentist, Jenny Craig, Lenscrafters, Bally, GNC, select drugstores and more. The 5% promotion will change on April 1st, and the coverage area is TBA. If you already have Discover Platinum, you can sign up for this promotion easily with the link. You must sign up for each "Get More" promotion.

    3) Everyday Purchase Cards
    I have a separate FW thread which lists all cards earning 5% rewards or more. Many of those earn 5% on Gas, Groceries, and Drugs. I’ll let you decide from the cards listed in that post since there are so many choices.

    4) Everyday Rewards Elite Visa by National City
    I have not heard much about this card or issuer. From the description you earn 3% during the first $250 movie tickets/rentals per year. The card offers 2% at restaurants, grocery & fast food, 4% on gas, and 3% on movie rentals and tickets. Each category has its own annual limit listed under "disclosure." College students, see below for an even better offer.

    5) 1) Hilton HHonors Platinum AmEx (Thanks zhubaobao, & Joe1690!)
    This is potentially a great card if you stay at a hotel occasionally. You'll earn 5 points per $ on groceries, gas, drugs, US Post Office purchases, cell bills, restaurants and Hilton-family hotels. You’ll earn 3 points everywhere else. We'll say 1 point is worth about somewhere between .75 to 1.4 cents depending on which reward you redeem. Rewards are pretty much only valuable when redeemed as hotel stays.

    6) Home Improvement Rewards Visa by Chase
    The 3% is great, plus you can redeem your points in low $25 increments meaning you won’t have to wait forever to reap the rewards of this card. You'll earn 1% elsewhere. You can earn a max of $300 in 3% home improvement rewards per year, and $600 in total rewards.

    7) Home Rebate Platinum Select MC from Citi
    This card offers 6% rewards for one year on internet, telecom. Cable, sattelite TV & radio, and utilities 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. You earn 6% on utilities, telecom, Cable, Sattelite TV & Radio too.

    8) MtvU Visa from Citi (College students only)
    Okay, admit it.... you thought about enrolling in community college just to get this card. You’ll earn 5% at restaurants, bookstores, record stores, movie theatre’s, and movie rental stores. It has a max $750 in rewards per year which is great and a broad 5% earning capability. You can redeem points as cash, gift cards, or travel but you will not get the full value of the rewards if you redeem as cash (<5%). Part of Thank You.

    9) True Earnings from American Express (Costco)
    You have to be a Costco Member to get the card. Now that the Discover Restaurant card is no longer being offered to new applicants, this AMEX has advanced to the top in this category. No annual fee, and just another excuse to eat Costco’s membership fee. You’ll earn 2% on travel, 3% at restaurants, and1% everywhere else including Costco.

    10) Upromise by Citi
    Don’t get too excited…. You earn 10% on certain products (several thousand name brand) but 1% on everything else. It’s definitely not your card if you buy generic. Even if you do buy many of the brands listed, unless your card is filled with more than about half of these select product, you’ll still be earning just 5% like the cards above since it is product specific.

    11) PremierPass Elite MC from Citi
    Sure, it's $75 annual fee is frightning, but it may still be a good deal. The card is part of the ThankYou network so points are good for gift cards, merchandise, and free travel (stay away from cash rewards). You'll get 2 points per $ on Gas, Groceries, Drugs, Parking, and Mass Transit which is nice, but where the card really excels is in travel. You will earn 1 point for every mile you fly, which is potentially outstanding.

    12) Business Cash Rebate from AmEx
    Its a pretty specific area of where you can earn 5% but it is nice to save at FedEx. More info to come.

    13) Advanta Platinum BusinessCard MC
    The great thing about this card is its broad 5% earning potential. Too bad that it is just for businesses and rewards are limited to $300 per year and $25 per month.... otherwise it might receive a higher rating. More about the card is on this FW thread.



Member Summary
Most Recent Posts
I've been away from FF too long. Looks like things have moved along the past month or so....<br><br>Used American Airli... (more)

montreid (Mar. 12, 2006 @ 12:24a) |

FYI -- Safeways is now carrying Baja Fresh GCs.

bk2 (Mar. 20, 2006 @ 12:38a) |

OP should also list the excellent <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.americanexpress.com... (more)

efficacyman (Apr. 29, 2006 @ 11:32a) |

Also, ones that offer a forced savings or investment plan like Citibank Upromise and the MBNA Fidelity and 529

Message from FFGuru..... If you would, go ahead an reply with additional information..... That way your links won't get lost in the Quick Summary if someone messes it up. (plus I get a bump) <img src="i/expressions/face-icon-small-smile.gif" border=0>


5% @ FedEx - AMEX Business cards that are part of OPEN network (i.e. AMEX Business Cash Rebate)... (thanks, I'll add it to my OP in a bit)

5% restaurant Discover card is still intact for existing cardholders (no new applications accepted).

If you have additional suggestions please reply with the info. Posting it here in Quick Summary is not always reliable since it may get deleted, and if someone edits it after you, I won't know who to credit for the information in my OP. Thanks! <img src="i/expressions/face-icon-small-smile.gif" border=0>
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Business Cards
Chase Business Card with Premier Cash Rebate. Earn 3% Cash Back on purchases at gas stations, restaurants, office supply stores, hardware & home improvement centers, plus 1% back on purchases made elsewhere! There are no spending minimums to worry about so you earn these rebates from the first time you use your card! I don't think this works for online retailers and I don't think there is a limit.

Also

Adavanta Business Card: Automatically earn 5% Cash Back on gasoline, office supplies, utilities, computer equipment, cell phones and Internet services, and 1% on all other purchases. Cash Back rewards of 5% are earned on all qualifying purchases of "gasoline and diesel fuel", "computers, computer supplies, electronics and office supplies" and "utilities and telecommunications" items. A maximum of $300 in Cash Back rewards can be earned on this account in any enrollment year, with a maximum of $25 in Cash Back rewards earned in any billing cycle. This one too is probably limited to B&M retailers, not online.

I nominate this topic to be a sticky so we can hopefully end all the "What's the best CC for..." topics.

Good post OP!

AMEX business cards that are part of the OPEN network get many rebates, including 5% at Fedex, 5% at Hertz, 5% at select hotels, and more. You can find a list of the OPEN Savings here. I don't see Staples listed on the webpage, but my Platinum Business Cash Rebate Card gets 2% back at Staples.

Edit: Fixed link.

I thought that the 5% Discover restaurant card is still good for existing cardholders.

76hhma said: [Q]I thought that the 5% Discover restaurant card is still good for existing cardholders.

From what I understand, as long as you received the card under the old terms, it still is valid.

Citibank Professional card offers 3% for restaurants, no fee, better than AMEX card posted above.

76hhma said: [Q]I thought that the 5% Discover restaurant card is still good for existing cardholders.

No one said it wasn't <img src="i/expressions/face-icon-small-smile.gif" border=0> He just said it wasn't being offered any more.

Which card is best for office supply purchases (eg. buy from Staples, OD etc.)?

You need to add the B of A "Keep the change" debit card. For purchases under $10, it cannot be beat. For instance, on a purchase of 5.29 at Burger King, you would get 71 cents back. That doesn't sound like much, but is over 13% back! Over time this adds up quite quickly... I've already gotten the 300 dollar max on this card.

Regarding B of A's "Keep the change" debit card deal, your are correct for the first 3 months ONLY during the promotion period. After that, maximum Cash Back/saving per transaction is $0.0495 regardless the amount you spent.

Here is how this program works,

* Buy a burger meal for $5.01, BofA will debit this transaction as a $6.00 item.
* BofA will deposit $0.99 to a saving account. (you are paying this $0.99 from your checking)
* For the first 3 months, BofA will match 100% of this saving. So you get 0.99+0.99 = 1.89 deposit into saving acct.
* After the first 3 months, BofA will only match 5% of this saving, so you get $0.99+$.0495=1.0395.
* Now, you are really getting .0495 maximum possible rebate. Transaction less than 5 bucks will get you 1%. Anyway, regardless how much you spend, the maximum Cash Back(cash deposit) from BofA is $0.049.

Not a great deal for Credit card holders with more than 1% rebate. BUT, if you use your debit card for purchases and is lousy at saving money, it may be a good program for you. Also, BofA debit card do give you buyer protection/warranty benefit like American Express.

I'm going to try and get one of the AMEX business cards because i do the majority of my shipping through FedEx and 5% savings will be nice. Which card do you think is the best? The Platinum Business Cash Rebate or the Blue Cash for Business? Whats the difference between the two?

I have this card, which is very good for Kids stuff at toysRus and BabiesRUs.

It never seems to show its head here on FW...

http://creditcard.chase.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=tru_ch01&page=cont&mkid=6GBJ&msc=Z0038712

# Earn a 4% rebate on every purchase at any Toys "R" Us or Babies "R" Us® store
# Earn a 1% rebate on any purchase at www.toysrus.com or www.babiesrus.com
# Earn a 1% rebate on any purchase made anywhere else Visa credit cards are accepted
# Accumulate $10 dollars in rewards, and you will receive a $10 Toys "R" Us gift card. Redeem your Toys "R" Us gifts cards at www.toysrus.com, www.babiesrus.com, at any Toys "R" Us or Babies "R" Us location, or even give them as gifts.

I see that this thread is missing the Bank of America Power Rewards Visa that gives you FULL 2% uncapped Cash Back when you spend $50,000 in 5 years. Or FULL 1.5% Cash Back if you spend $30,000 in 5 years.
http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=531224

Grifman said: [Q]76hhma said: [Q]I thought that the 5% Discover restaurant card is still good for existing cardholders.

No one said it wasn't <img src="i/expressions/face-icon-small-smile.gif" border=0> He just said it wasn't being offered any more.Really? I just got one a few weeks ago.

XeroK00L said: [Q]I see that this thread is missing the Bank of America Power Rewards Visa that gives you FULL 2% uncapped Cash Back when you spend $50,000 in 5 years. Or FULL 1.5% Cash Back if you spend $30,000 in 5 years.
http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=531224

Barring changes in terms and ignoring the time value of money. On the way to 1.5% it's a very poor CashBack option.

is there a personal credit card that has a high percentage for office supply purchases and and allows for straight CashBack? (no just GCs?)

Citi professional card has 3% back (effectively) on restaurants.


Citi Home Rebate works for cellphones (I believe) as utilities so you can get 6% back on cell phone bills that way

Venusian said: [Q]Citi Home Rebate works for cellphones (I believe) as utilities so you can get 6% back on cell phone bills that way

It wouldn't fall into Utilities... that is just listed as ongoing generation, transmission, or distribution of electric or gas power, water system supply services, or collection and disposal of refuse

It could possibly fall into the category of Telecom, but I would think they would mention cell phones specifically if it would. Here is what they say in the fine print.
[Q]
Telecom Services include providers of telecommunication services such as local and long–distance telephone calls, fax services and calls through use of magnetic strip–reading telephones. Included are merchants that sell prepaid phone services such as calling cards, and merchants that provide periodic billing of telephone calls. [Q]

If anyone has the card and confirm weather or not it gives the rebate on cell phone bills, please let us know.

There are some out there GMAC for one that gives you 1% towards your mortage pricipal with no yearly limits.

The advantage is far beyond the initial 1%, first all your future paypents now pay more towards principal, and second you can save months, even years off your mortgage.

How would that be any different from another card paying 1% (or more) and taking the CashBack and prepaying one's mortgage?


manuel said: [Q]How would that be any different from another card paying 1% (or more) and taking the CashBack and prepaying one's mortgage?Haha yeah, I guess some people just can't do it themselves. If they get Cash Back they'll spend it.<img src="i/expressions/face-icon-small-happy.gif" border=0>

BTW, paying down mortgages isn't always the best thing to do either since you'll be having less mortgage interests to deduct in your tax returns. If you're in a high enough tax bracket, it could be more advantageous to invest the same money in some non-taxable government bonds instead.<img src="i/expressions/face-icon-small-wink.gif" border=0>

manuel said: [Q]How would that be any different from another card paying 1% (or more) and taking the CashBack and prepaying one's mortgage?

How often have you done that ? Please share

I have better uses for the CashBack than paying down my way below current market rate mortgage.

Far more importantly you can easily beat 1% by 2-5 times. Even if you chose to paydown your mortgage(seperate debate and thread) simple arithmetic makes up to 5% Cash Back much more powerful in ur example than 1%.

U either work the system or it works u.


long thread discussing payoff debate:
http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=426039

EDIT: took out exclamation point - decided it wasn't that exciting.

In my local grocery store, there is a pretty extensive offering of gift cards ranging from iTunes, Nordstrom, Home Depot, and Old Navy. Most of them don't seem to have any added fees.

What would stop one from buying gift cards with our Everyday Purchase cards and extending the 5% savings into those new areas? Is there already a thread about this? Thanks!

manuel said: [Q]I have better uses for the CashBack than paying down my way below current market rate mortgage.

Far more importantly you can easily beat 1% by 2-5 times. Even if you chose to paydown your mortgage(seperate debate and thread) simple arithmetic makes up to 5% Cash Back much more powerful in ur example than 1%.

U either work the system or it works u.


long thread discussing payoff debate:
http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=426039

EDIT: took out exclamation point - decided it wasn't that exciting.

Want to point out that the mortgage principal CC's have no yearly limit on the amount you can earn, whereas all the other do.

You are correct the 5% is far better but these are usually limited to $300/yr and what you purchase Gas/food/drugs. So after the 5% has been met there are other options, especially if one has the option of charging $10k or more per month on a CC for an extended period of time.

You guys are missing the boat on a rewards card.

Restaurants:
MBNA American Express with WorldPoints. 5 Points per dollar at all travel (hotels, airfare, trains) and dining (restaraunts, cafeterias).

25,000 points = $250 cash. Offer is through 1/2007.

FFGuru said: [Q]In my local grocery store, there is a pretty extensive offering of gift cards ranging from iTunes, Nordstrom, Home Depot, and Old Navy. Most of them don't seem to have any added fees.

What would stop one from buying gift cards with our Everyday Purchase cards and extending the 5% savings into those new areas? Is there already a thread about this? Thanks!

It's been mentioned in various threads - obviously have to be very careful not to buy a GC for anything you wouldn't have bought anyway, and in fairly short order. The advantage of the 5% back can erode very quickly.

Especially since there's various programs selling GCs for most those stores for 20% off - see 'deal discussion'.

Usorry said: [Q]You guys are missing the boat on a rewards card.

Restaurants:
MBNA American Express with WorldPoints. 5 Points per dollar at all travel (hotels, airfare, trains) and dining (restaraunts, cafeterias).

25,000 points = $250 cash. Offer is through 1/2007.

Is this only good for (hotels, airfare, trains) and dining (restaraunts, cafeterias) ?

roadman said: [Q]
Want to point out that the mortgage principal CC's have no yearly limit on the amount you can earn, whereas all the other do.
You are correct the 5% is far better but these are usually limited to $300/yr and what you purchase Gas/food/drugs. So after the 5% has been met there are other options, especially if one has the option of charging $10k or more per month on a CC for an extended period of time.

Sure - but there are quite a few other uncapped cards - including the 2%(for big spenders) bofa card. And some with higher caps like the 1.5/2.0 mbna fidelity cards. Course my spouse and I have 3 different 1/5% cards as well.

Where did you see the MBNA AMEX world points w/ 5 points/$spent for dining and travel? When I go to their website, the MBNA AMEX world points it says you get double points for those categories, not 5 points/$ spent.
MBNA website
Thanks.

OP--> I wanted to start a different thread on this, but thought this post might go well in here. I was recently looking at AMEX cards again and noticed their Platinum Business Cash Rebate card. When I looked at the T's & C's, here is what I found:

"Cash Rebate
There is no limit to the amount of cash rewards you are eligible for. Your annual cash reward for purchases at OPEN SavingsSM is up to 5%. Your annual cash reward for all other purchases is up to 2.5%. Once your spending for the year exceeds $15,000, the cash reward for additional purchases at OPEN Savings is 2% and your annual cash reward for all other purchases is 1%.

OPEN Savings are purchases at FedEx®, Hertz® and more. Partners are subject to change without notice.

Balance transfers are not eligible for Cash Back.

The annual rebate will be credited to your statement in the month of February. To receive your rebate, your account must be active (not cancelled) and in good standing."

This appears to be a reverse tiered card from AMEX, however it doesnt say if you have to spend a certain amount before getting the 2.5% rebate. Could anyone shed some light on this?

Hey OP...
How about the Citi Professional Card for 3% at restaurants? No annual fee, and $100 GC sign up bonus?

What can you do with the Citi gift card? Is it like a $100 debit card?

wilsonshmilson said: [Q]Hey OP...
How about the Citi Professional Card for 3% at restaurants? No annual fee, and $100 GC sign up bonus?

Seconded.

OP, the new gift card part of the OP is excellent. Thanks! Rather than take the credit hit of applying for a Home Improvement credit card, I think I will just buy a gift card to Home Improvement at 5% off.

Does anyone know of some East Coast grocery store gift card offerings?

I have been thinking about buying gift cards at supermarkets for awhile. I've seen a wide variety of retailers' gift cards available at different supermarkets, including Sears (at Albertson's). I've also seen many restaurant gift cards. Compiling a list of these might be really useful, especially for people looking to save 5% on big purchases (like appliances at Sears).

Has anyone figured out a way to milk this for an even deeper discount?

Kempman said: [Q]I have been thinking about buying gift cards at supermarkets for awhile. I've seen a wide variety of retailers' gift cards available at different supermarkets, including Sears (at Albertson's). I've also seen many restaurant gift cards. Compiling a list of these might be really useful, especially for people looking to save 5% on big purchases (like appliances at Sears).


I agree! If people continue replying with a list of gift cards sold at their local supermarket, I'll keep on adding to my OP to compile a comprehensive list.

FFGuru said: [Q]I agree! If people continue replying with a list of gift cards sold at their local supermarket, I'll keep on adding to my OP to compile a comprehensive list.

I hope you don't mind, FFGuru, but I've started a topic here. We'll see how much interest there is. I really think a list could be a valuable resource. Let's see if we can get a good one going either in this thread or in the new one. Thanks again for bringing this up.

Skipping 8 Messages...
OP should also list the excellent American Express Starwoood Program under everywhere, since the airline miles cards are there. AMEX starwood earns 1.25 miles when transferrring 20,000 points and also has BVG which I do not believe any airlines offer. Additionally the starwood points are redeemable at hotels. See this thread for more info Official Starwood Amex thread I just think the starwood beats any airline miles card for everyday purchases.



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