Thanks OP, converted DW's Perfectcard to a Freedomcard.

ILikeDollars said:FYI, Chase would not allow me to convert my Cash Plus or Rewards Plus to this card.

Why would you want to? 5% is better than 3%.

is the 3% only for FAST FOOD restaurants or any type of sit-down restaurant like Chili's or Applebees?

mcmarya said:I'm considering getting this card as my CitiDividend card is maxed out on rewards and is soon to become less attractive. Has anyone received the rewards program details? Very few are posted on the website and there seem to be conflicting answers from CSR. Particularly, do points or dollars expire?
Thanks

60 months....

StealthLurker said:scripta said:
FWFBooster said:... Chase Cash Plus and Reward Plus applications being somewhat "hidden" ... What are you talking about, it's right here.
Applied early AM on 9/19, got answer within 30 days, now the link is dead. They did pull experian on the 19th and TC FAKO around 770 w/ 14% overall utilization. Wonder if I'll get a different card or rejected or who knows what. I'm trying to stock up on the 5% everyday cards, but I'm refusing that HSBC Direct Rewards because of past WorstBuy experience with them (they lowered limit to $0 for inactivity then refused to reopen and suggested I re-apply while the acct. shows open on my CRs).

Woot!! Called to activate and confirmed that the card I received today is the cash plus rewards card with 5pts./dollar for Gas Grocery and Pharmacy. Also 0% on BT, BT Checks and Purchases for 12 Billing Cycles (3% - $75 max).

FriendlyPeon said:ILikeDollars said:FYI, Chase would not allow me to convert my Cash Plus or Rewards Plus to this card.

Why would you want to? 5% is better than 3%.

I already have 2 rewards plus, a cash plus, and a dividend card. I probably won't even max out the 5% rewards on even one of those. What I'm really interested in is the 1.25% on other purchases when redeemed at the $250 level.

kungfujoe said:I received what appears to be my Rewards Plus card today, though the additional cardholder card (my wife's) didn't arrive. I guess I'll have to re-request that. Interestingly, the SIX pages of fine-print terms of service that arrived with the card don't say anything about the card's rewards program (at least not that I can find). When I set up an account on Chase On-Line, I also couldn't find any rewards terms on my card (however, I did find that an old, long-since-canceled credit card is associated with my new Chase On-Line account). So I guess I'll just cross my fingers and hope that I get my five "points" (cents) per dollar on gas, groceries, and drug stores.

You can call Chase (best to call in the daytime, better chance of getting a U.S. Rep) and ask them to verify for you in their computer...they will be able to tell you which rewards program you have....and verify that you will be getting 5% on the "everyday" stuff.....

I used to have the chase Cash Back card card, which was great (they just paid out 1% of everything spent once a year, no tiers or increments), but they switched to the their chase cash plus rewards card on me and I'd never asked 'em to. I wasn't too happy about it and cancelled it. Then my husband and I were looking for the best Cash Back card and not finding anything with what we wanted: like no tiered system, no time limit on rewards, no minimum points earned to collect. A lot of them have changed since a year ago, with lots of hidden requirements (like you only get paid in increment amounts with the chase card anymore.) Then I finally found the motley fool platinum visa. It's exactly like the Chase Cash Back card used to be --straight 1% Cash Back, paid out once a year. No increments or tiered systems. The card financer is MBNA/Bank of America.

illustrateth said:I used to have the chase Cash Back card card, which was great (they just paid out 1% of everything spent once a year, no tiers or increments), but they switched to the their chase cash plus rewards card on me and I'd never asked 'em to. I wasn't too happy about it and cancelled it. Then my husband and I were looking for the best Cash Back card and not finding anything with what we wanted: like no tiered system, no time limit on rewards, no minimum points earned to collect. A lot of them have changed since a year ago, with lots of hidden requirements (like you only get paid in increment amounts with the chase card anymore.) Then I finally found the motley fool platinum visa. It's exactly like the Chase Cash Back card used to be --straight 1% Cash Back, paid out once a year. No increments or tiered systems. The card financer is MBNA/Bank of America.

If you want other cards that fit those requirements, also try:

* Chase PerfectCard = 3% Gas (6% for first few months), 1% Everything Else; Cash Back applied to NEXT STATEMENT'S BALANCE (NO WAITING!).

* American Express Clear Card = 1% Everything; Cash Back Check cut everytime $2,500 is spent (don't think points expire, but might want to double check).

* Costco/American Express True Earnings Card = 3% Restaurants, 2% Travel, 1% Everything Else; Cash Back Check cut annually on account anniversary date (can be redeemed for cash at Costco, but would need to be a Costco member).


EDIT: The following cards also fit MOST of your criteria, BUT offer rewards for certain things instead of straight Cash Back:

* Citi/Shell Platinum Select MasterCard = 5% Shell Gas, 1% Everything Else; Rebates in form of Shell Gasoline Credit (to be used at Shell service stations), NOT straight Cash Back, and is redeemable next statement's balance (NO waiting!).

* Chase AAA Card = 5 points Gas, 1 point Everything Else; Rebates in form of AAA Credit or a check I think, but you may want to make sure...

Look at your previous credit card bills for merchant classifications: it's 3% at "retail establishments that classify their merchant locations for V/MC as grocery stores, gas stations and quick payment service fast food restaurants." Generally, order at counter = quick service. "Convenience stores, superstores, warehouse clubs and discount stores" are not eligible, unless they classify themselves incorrectly.

For business travel, I suggest either a hotel rewards card or the Costco AMEX.

Received my card today: mine is Visa Signature, even though I converted from a platinum (Amazon) card and there's no mention of "Signature benefits" in the marketing. Looks like the card "level" (platinum, signature, etc.) varies.