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This thread is for all categories, incomes, and rewards preferences. It doesn't have to be 5% and it doesn't have to be Cash Back, miles cards are welcome.

FFGuru started a good 5% card thread here, however many of those are discontinued. It is great that many people are grandfathered into good deals but if you are you probably already know about it and if you aren't it doesn't do you much good.

Please help keep this list up to date and be aggressive to delete discontinued cards. If there isn't a link, phone #, or bank you can apply for this card today, it shouldn't go here.

I don't expect this to reduce the number of times this question gets asked, but at least you'll have a constructive place to tell people to search.

Parallel List @ App-O-Rama.com

See the quick summary below.

Message edited by: ScootyPuffSr on 2007-08-03 19:17:21 CDT



Interested in benefits that are not cash/points/miles? See this thread for the unique non-cash benefits that different credit cards have



Balance Transfers
CreditCards.com balance transfer cards section[link]
Best Balance Transfer Credit Cards [fw thread]
[Obviously spammy links removed]

Bonuses
Credit card sign-up bonuses [fw thread] - sorted by value, bank name and expiration date, $12,000 in total

Calculators
Credit Card Tune-Up: A utility to find the best reward credit card or combination of cards for your categorical spending profile is this rewards calculator [link], [fw thread]
Credit Card Tune-Up for Canadian rewards cards [link], [fw thread]

Rebates
Reward credit cards sorted by the value of annual rebate/gift card rewards for an average US family. [fw thread],[link]



Gas
5% Associated Bank Cash Rebate Card - $300/year Cash Back limit - phone application only: 1-877-577-9485
4% Costco TrueEarnings American Express Business Card link (4% for gasoline, for annual purchases up to $6,000 meaning up to $240 CashBack per year)
3% Costco TrueEarnings American Express Card [link] (3% for gasoline, for annual gasoline purchases of up to $3,000 (1% thereafter) meaning 3% up to $90 CashBack each year)
3% Chase Sheetz Mastercard: 3% Sheetz purchases, 2% grocery&travel, 1% general (10% Sheetz purchases first 90 days)
3% Citi Professional Cash Card: [link] 3% Cash Back for 12 months, 1% thereafter)
3% Chase Professional MasterCard: (Business card, 3% @ Restaurants, Office Supplies Stores, Gas, Home Improvement stores, Building Supplies Stores)link rewards details link
3% American Express SimplyCash Business Card (also 5% on office supplies, telecom) [link], [cardoffers link]
3% Chase Freedom Card: [fw thread] (You get unlimited 1% ca$h back on everything, then 2% for the first $600 on gas/groceries/fast food each month (max $12 on rewards that qualify for 2%)
up to 5% American Express Blue Cash: 5% ca$h back on gas/groc/drugstores after you have spent $6,500 for the year
5% Chase BP Visa: 5% at BP service stations, plus 2% dining & travel (incl. airfare), 1% general. Double rewards (10%/4%/2%) in first 3 months FW thread
5% Barclay's Sinclair Platinum Mastercard: 5% at Sinclair stations, 1% general
5% Discover Open Road: 5% Ca$h back on first $1,200 in annual gas & auto maintenance purchases. Effective October 1, 2007, 5% Ca$h back on first $100 in gas & auto maintenance purchases each month - up to $1,200 each year [link]
5% Penfed Visa Platinum Gas Cash Rewards Card: [fw thread] [link]
up to 8% Lukoil Platinum MasterCard: up to 8% at Luk Oil and Getty gas stations http://www.lukoilmastercard.com/
up to 10% Washington Mutual Platinum MasterCard: (for 1st 6 months/up to 5% thereafter) [link], [fw thread]

General Purpose
3% Citi Platinum American Express: Up to 150k TYP (TYP worth approx 1 cent per point), for 24 months (5% supermarkets, drug stores, gas, 3% for everyting else). $125 fee waived first year. [Link]
1% Chase Freedom: [fw thread]
1.25% Penfed Visa Platinum Gas Cash Rewards Card: no caps, no tiers, monthly credits, plus 5% gas and 2% groceries ca$h back [fw thread]
1.25% Capital One No Hassle Rewards Card: 1% ca$h back plus annual .25% bonus
1.33% American Express Blue Sky: for each $7500 spent, get $100 toward any travel expense. No restrictions on where you can earn points.
1.4% Emigrant Direct Platinum MasterCard: Requires $10K balance at Emigrant Direct [link]
up to 1.5% American Express Blue Cash: 1.25% ca$h back on everything after you have spent $6,500 for the year [fw thread]
1.5% Fidelity Investment Rewards Visa Signature Card: 1.5% flat ca$h back (2% after $15k annual spending), requires Fidelity account [link]
up to 2% Citi Driver's Edge: 1% TY points plus the chance to double with 1 point/mile you drive [link], [fw thread] - *No Longer Being Offered*
up to 2% Citi Premier Pass: 1% TY points plus the chance to double with 1 point/3 miles you fly
up to 2% Citi Premier Pass Elite: 1% TY points plus the chance to double with 1 point/1 mile you fly ($75 annual fee) [link], [fw thread]
up to 2% Travel0city Rewards MasterCard: up to 2% ca$h back, 4% on purchases at Travel0city ($29 annual fee) [fw thread]
up to 2% Sam's Club Discover Card: (accepted everywhere Discover is accepted), 2% on purchases between $10,000 and $1 million per year, lower tiers before that [SamsClub]
2% Schwab Bank Invest First Visa: Flat 2% cash back, credited monthly, requires Schwab account [link], [fw thread]
2% Fidelity Retirement Rewards American Express Card: requires Fidelity account [link], [FW thread]
2% HSBC / Orchard Bank Premium Platinum MasterCard (annual fee for some, mostly targeted, but you might be converted to the 2% program when you try to cancel). See thread for important details.) FW thread

Groceries
5% Associated Bank Cash Rebate Card - $300/year Cash Back limit - phone application only: 1-877-577-9485
3% Chase Freedom Card: [fw thread] (You get unlimited 1% ca$h back on everything, then 2% for the first $600 on gas/groceries/fast food each month (max $12 on rewards that qualify for 2%)
3%: Bank of America Worldpoints Platinum plus MasterCard: 3% on Gas and Groceries Apply
5%: Citibank Dividend Select: for new customers for the first 6 months, 2% afterwards [fw thread]
up to 5%: Am.Ex Blue Cash: 5% ca$h back on gas/groc/drugstores after you have spent $6,500 for the year [fw thread]
up to 5%: Washington Mutual Platinum MasterCard: 5% ca$h back on gas/groc/drugstores after you have spent $4,000 for the year [link], [fw thread]

Home Improvement
3% Chase Professional MasterCard (3% @ Restaurants, Office Supplies Stores, Gas, Home Improvement stores, Building Supplies Stores)

Hotel Cards
3.75% (3%) Chase Freedom Business Card
hilton HHonors by Citi [link] or Am.Ex [link]
Am.Ex Starwood: [am.ex link]; or Business [cardoffers link] / Personal [cardoffers link]
Marriott Rewards Visa Signature [Link] 20K points w/ first purchase free night stay, $30 annual fee (waived 1st year)

Office Supplies
3% Citi Professional [link]
3.75% (3%) Chase Freedom Business Card
3% Chase Professional MasterCard (3% @ Restaurants, Office Supplies Stores, Gas, Home Improvement stores, Building Supplies Stores)
5% Am.Ex SimplyCashSM Business Card (also 3% on gas, 5% on telecom) [link], [cardoffers link]

Pharmacy/Drugstores
5% Associated Bank Cash Rebate Card - $300/year Cash Back limit - phone application only: 1-877-577-9485
2%: Citi Divdend Platinum Select
up to 5%: Am.Ex Blue Cash: 5% ca$h back on gas/groc/drugstores after you have spent $6,500 for the year [fw thread]
up to 5%: Washington Mutual Platinum MasterCard: 5% ca$h back on gas/groc/drugstores after you have spent $4,000 for the year [link], [fw thread]

Phone
5% Am.Ex SimplyCashSM Business Card (also 3% on gas, 5% on telecom) [link], [cardoffers link]

Public Transportation & Parking
Citi Premier Pass Elite: 2 Thankyou points/$ plus double with flight miles [link], [fw thread]

Restaurant
3% Am.Ex Costco card [link]
3% Citi Professional Cash Card [link]
3% Chase Professional
3% Chase Freedom Card (Fast food only): [fw thread] (You get unlimited 1% ca$h back on everything, then 2% for the first $600 on gas/groceries/fast food each month (max $12 on rewards that qualify for 2%)
5 Thank You Network points (currently 3.125% if redeeming Cash Back) Citi Forward Card
5 Thank You Network points (currently 3.125% if redeeming Cash Back)(student only) [link], [fw thread]

STORE SPECIFIC CARDS (Thanks to those who submitted these cards!)
TJX Rewards Mastercard 5% rebate at T.J.Maxx, Marshalls, HomeGoods and A.J.Wright, 1% elsewhere
Shell Gas MasterCard- 5% rebates @ Shell and Jiffy Lube
Marathon Gas MC- 10% @ Marathon for 60 days 2% elsewhere, then 5% @ Marathon. 1% elsewhere.
Hess Gas Visa- 10% @ Hess for 90 days, then 5%. 1% elsewhere.
Banana Republic Card 5% at Banana, Gap, & Old Navy. Can't be used anywhere else.
Hooters Mastercard- 5 points w/ Hooters, 1 point elsewhere.
Continental Airlines MC 5% off CO fares for 1 year, $65 annual fee.
AAA Rewards Visa Look on your region's site for current offer (5% on gas, limited to 2% of your total net purchases that billing cycle)
Choice Hotels Visa Earn 15 points per $ at Sleep, Comfort, Quality, Clarion, & Mainstay. 2 points elsewhere.
Marriott Rewards Visa Signature 5 points at Marriott, 2 for travel, 1 elsewhere.
REI Visa Up to 10% back on REI, 1% elsewhere.
BP Rewards Visa double rebates for 2 months, then 5% @ BP, 2% Dining, Airline, Car Rental, and lodging, 1% elsewhere.
Mercedes Benz Visa 5 pt/$ spent @ M.B. dealerships and on merchandise.
Sinclair MC by Juniper For 60 days you'll earn 7% at Sinclair, 2% elsewhere and then 5%/1%. Not bad!
Gymboree Visa by US Bank Save 5% at Gymboree (Kid's Clothing) and 1% elsewhere. $10 sign up bonus
Moved- AT&T Universal MC 10% on AT&T/Cingular Purchases for 12 months then 5%

Student
Calculator for Student cards: A utility to find the best reward card or combination of cards for a college student's categorical spending profile [link], [fw thread]
Citi mtvU: 5 Thank You Network points (currently 3.125% if redeeming ca$h back) restaurants, bookstores (Amaz0n.com!), movies, movie rentals [link], [fw thread]

Travel Purchases
2% Am.Ex Costco [link]
1 TYP/$ plus 1 TYP/mile flown (PremierPass Elite [fw thread 1] [fw thread 2]) or 1 TYP/3 miles flown (PremierPass)
Chase BP Visa: 5% at BP service stations, plus 2% dining & travel (incl. airfare), 1% general. Double rewards (10%/4%/2%) in first 3 months FW thread
Citi Professional Card - 3% on Rental cars (with free Travel insurance and PRIMARY rental car insurance)

USPS / United States Postal Service
None

Utilities, Cable
2% Citi Dividend Platinum Select (excludes phone)
6% Citi Home Rebate - (for 1st 12 months) payable towards a mortgage. Telecom Services. Computer Network / Information Services. Cable, Satellite and other Pay TV and Radio Services, Utilities; 1% on everything else. [link]

Business
Calculator for Business cards: A utility to find the best reward card or combination of cards for a business's categorical spending profile [link], [fw thread]
Chase Professional MasterCard (3% @ Restaurants, Office Supplies Stores, Gas, Home Improvement stores, Building Supplies Stores)

Car Purchase/Repair
3% Chase Subaru ($500 annual limit, 4-yr expiration period)

Department Stores
3% Capital One

Movies, Books, Music
5 TYP (3.125% if redeeming ca$h back) Citi Forward Card
5 TYP (3.125% if redeeming ca$h back) Citi MTVU Card

Message edited by: BradMajors on 2009-06-30 08:40:24 CDT

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you forgot the 'helly kitty' card for fringe benefits...


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Added hotel category.

Just to confirm, this thread aims to be an exhaustive list of cards with benefits/rewards?


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BrianGa said:Added hotel category.

Just to confirm, this thread aims to be an exhaustive list of cards with benefits/rewards?


Thanks for adding hotels.

Yeah, that'd be nice if this was a one stop shop for benefits/rewards. I'd prefer to keep 0% BT promos in other threads but I won't object if that is how the mob votes.

The only other condition I'd ask it to only put in active cards as so many threads become useless with discontinued cards.

I'm slowly adding reward descriptions and links for most cards, but it'd be great if other people added them too.

Message edited by: ScootyPuffSr on 2007-03-10 02:51:01 CST
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I just looked at chase website and the Freedom card has 3% Gas rebate instead of 3.75% listed in Quick Summary. Can someone point out how and where to get 3.75%? Thanks.

Answering myself: save up to $200 in rewards and redeem for $250 Cash Back!

Message edited by: FastFood on 2007-03-10 06:37:32 CST
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AMEX Blue Cash
Chase Professional MasterCard (3% @ Restaurants, Office Supplies Stores, Gas, Home Improvement sores, Building Supplies Stores)


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There should be a balance transfer category.


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I agree with CrazyRus; AMEX Blue Cash is outstanding if you charge substantially. I do use another 5% card for EDP until I reach the annual $6500 tier on AMEX with non-EDP charges.


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theman2 said:you forgot the 'helly kitty' card for fringe benefits... And for that matter, the Plastic Assets Card, Jesus Card, and JCB Card w/ free 15 lb. sack of rice.

I'll add them (with *joke* mark), but feel free to remove if you'd rather keep this list free of humo(u)r.


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I have a chase with 5% CB grocery, gas, drug stores, 1% on everything else.


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clearanceman said:I have a chase with 5% CB grocery, gas, drug stores, 1% on everything else.

Please provide a method to apply for this card for others who wish to join in your good fortune. Oh right, Chase isn't issuing that card anymore.


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FIA Quatum is no longer a prestige card in my option. I have one got notice yesterday they are droping Primary Car renters insuranc, Droping Conceige service, Droping travel service, raising Forex Fee from 1% to 3% all on June 1 2007.

Another Prestige card to add to your list might be following:

Citibank Chairman card while not hard to get is much better high end card than FIA Quatum
Citibank Private Bank AA Select Visa card - have to have an account at CPB but this is only no mileage cap AA credit card in the world.

Message edited by: dolmar on 2007-03-10 16:48:00 CST
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clearanceman said:I have a chase with 5% CB grocery, gas, drug stores, 1% on everything else.

I have this one as well, but we're talking about ACTIVE cards you can apply for now


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There is the Countrywide 2% back on everything if applied to your Mortgage card, too. 1% in cash rewards.


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FastFood said:I just looked at chase website and the Freedom card has 3% Gas rebate instead of 3.75% listed in Quick Summary. Can someone point out how and where to get 3.75%? Thanks.

Answering myself: save up to $200 in rewards and redeem for $250 Cash Back!

This is also 3.75% back on Groceries and quick service restaurants.

I guess some cards also give back extra at drug stores?


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For all purchases that don't qualify for 5% with my chase cards I use CITI Diamond Preferred Rewards and get 2%. I know we only get the 2% for one year but it seems they keep offering this card, I saw it again the other day and even had the 10,000 bonus. When I get close to the end of my first year I will get another in my wife's name


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WalStMonky said:clearanceman said:I have a chase with 5% CB grocery, gas, drug stores, 1% on everything else.

Please provide a method to apply for this card for others who wish to join in your good fortune. Oh right, Chase isn't issuing that card anymore.


Didn't know that, can you still convert an existing card to this program? I originally converted my card to the program last year. Don't know if that is still an option.


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I added a new category, "invite only" with the RBS 3% card on it.


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Thanks for the wonderful responses. I'll check in from time to time to fill out the descriptions and provide links.

However, if your favorite card is missing or you feel like you have a better description, link, or category go ahead and modify the quick summary (please respect what others have done!).


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