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.
Users like you can add images, links and other relevant information about this topic.
updated:
Dec. 4, 2011 @ 1:09a by Alexsoccerboy
posted: Mar. 10, 2007 @ 2:02a
Member Summary
Most Recent Posts
cardselection is $30. It's fine to support FW CB but they are almost never competitive in the CB arena these days.
kintro (Feb. 03, 2012 @ 4:32p)
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Question from a first-time user and total newbie: I'm about to pay for a big (9K) contracting job and was wondering what ... (more)
jl8065 (Feb. 04, 2012 @ 2:45p)
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If it's a onetime charge for 9k - Chase AARP (gets 5% CashBack the first 6 months). That'll be a good general card for business ... (more)
imbatman (Feb. 04, 2012 @ 3:03p)
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Preview
Aids for choosing a card by goal Balance transfer - 0% BT list site [link] [link] - 0% / low APR cards [fw thread], [link] - sorted lists of 120 cards - Best Balance Transfer Credit Cards [fw thread] - CreditCards.com balance transfer cards section[link] - Easy spreadsheet to compare credit cards : CreditCardComparison SpreadSheet
Reward maximization - 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] - Reward credit cards sorted by the value of annual rebate/gift card rewards for an average US family. [fw thread],[link]
Sign-up bonus - Credit card sign-up bonuses [fw thread] - sorted by value, bank name and expiration date, $12,000 in total
Consumer cards by reward category
All-purpose
2% Household Bank MasterCard: You will earn 2 points for every $1 in net purchases charged to this credit card, redeemable for merchandise, gift certificates, or Cash Back. Annual fee between 0 - 39$. [link] [workingLink?] 2% Fidelity Rewards AMEX through FIA Card Services (BoA): Flat 2% Cash Back, auto contribute to virtually any Fidelity account [link], [FW thread] 2% Priceline Rewards Visa - 2%/2 points for every $1 in spending. 5%/5 points per $1 when you name your own price on Priceline.com. No annual fee. $25/2500 point minimum to redeem points for statement credit. ApplyFW Thread 2% Capital One Venture Visa - Technically this is a miles card, but it's different because you can book a flight or hotel on any airline or hotel chain anytime through whatever service you want. Then Capital One will reimburse you directly. Earn 2 miles per $1 spent. Redeem $1 per 100 miles. $59 annual fee except for first year and earn 10,000 bonus miles if you spend $1,000 in first 3 months (equivalent to $100 signup bonus). No foreign exchange fees. LinkFW Discussion 2% Discover Escape - Similar to the Capital One Venture Visa card. Earn 2 miles per $1 spent. Redeem $1 per 100 miles for travel or on Amazon.com. $60 annual fee but earn 1,000 bonus miles per month with any purchase for first 25 months (equivalent to $250 signup bonus). Primary car rental insurance. No foreign transaction fees (eff. 11/7/2011) and now usable on Diners Club merchant network. Link 1.5 - 2% Fidelity Investment Rewards Visa through FIA Card Services (BoA): 1.5% flat ca$h back (2% after $15k annual spending), auto contribute to virtually any Fidelity account [link] 1 - 1.8% FNBO Maximum Rewards. Redeem for CB or flights at varying rates. 1.5 points per $ spent. Requires heavy spending to maximize reward level. [link] 1.5% Capital One Cash Credit Card - Flat 1% CashBack, 50% CashBack yearly bonus. $100 bonus after spending $500 in first 3 months. No foreign transaction fees. [link] [FW thread] 1.5% Northrop Grumman CU Cash Rebates. Flat 1.5%, deposited annually. No foreign transaction fees. Join through Southern California Historical Aviation Foundation. [link] 1.4% Emigrant Direct: Requires $10K balance at Emigrant Direct [link] *Dead for new customers, changing to points July 2011* 1.25% Dollars Bank Valued Customer Visa [link], maximum rebate in any calendar year is $500, rebate will be distributed semi-annually in January and July. See business card for no rebate cap version. *DEAD FOR NEW CUSTOMERS* 0.5 - 1.25%: AMEX Blue Cash: 1.25% ca$h back on everything after you have spent $6,500 for the year [fw thread] 0.25 - 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 [link]
Airline 5% (points) Penfed Travel Rewards Amex :: 5x points on Airfare, 1x on everything else :: Now no annual fee :: must be a penfed member 1% (miles) American Airlines Credit Cards; earn miles plus sign up bonuses:: Citi Platinum Select AAdvantage MC (1%; $85 fee; 25k signup miles); Citi AAdvantage Select AMEX (1%; $85 fee; 25k signup miles); Citi Platinum AAdvantage MC (1%; $50 fee; 15k signup miles); Citi AAdvantage AMEX (1%; $50 fee; 15k signup miles);Citi AAdvantage Business MC/Visa (1%; $75 fee; 25k signup miles); 0.5%-2% (points) Airtran Credit Cards; earn points plus earn sign up A Credits (1k pts= 1A credit) :: Barclays A Visa Signature w fee (2% pts Airtran; 1% pts elsewhere; $49 fee) Barclays A Visa Signature w/o fee (1% Airtran; 0.5% elsewhere; no fee) 1%-2%(miles) Continental Credit Cards; earn miles, sign up bonuses, all cards have free checked bag benefit:: Chase Continental World MC (2% Continental; 1% elsewhere; $85 fee); Chase Presidential Plus World MC(2% Continental; 1% elsewhere; $375 fee; additional benefits) Chase Continental World MC Business (2% Continental; 1% elsewhere; $85 fee) Chase Presidential Plus World MC Business (2% Continental; 1% elsewhere; $375 fee; additional benefits) 0.5%-2% (miles) Delta Credit Cards; Earn miles, sign up bonuses, different cards offer different benefits:: AMEXDelta Reserve personal or business(2% Delta; 1% elsewhere; $450 fee); AMEXDelta Platinum Skymiles personal or business (2% Delta; 1% elsewhere; $ 150 fee); AMEXDelta Gold Skymiles personal or business (2% Delta; 1% elsewhere; $ 95 fee); AMEXDelta Classic Skymiles personal or business(2% Delta; 1% elsewhere; $55 fee); AMEXDelta Options Skymiles(1% Delta; 0.5% elsewhere; no fee); 1-2% (points) JetBlue Credit Cards ; Earn points, signup bonuses :: JetBlue AMEX Card (2% Jetblue; 1% elsewhere; $40 fee) 1%-2% (reward dollars) Southwest Credit Cards; earn reward dollars (600 reward dollars=1 RR credit), signup bonuses:: Chase Rapid Rewards Visa Signature personal or business (2% Southwest; 1% elsewhere; $59 fee); Chase Rapid Rewards Visa Classic personal (2% Southwest; 1% elsewhere; $39 fee) 1-3% (miles) United Credit Cards; Earn miles, signup bonuses, different cards offer different benefits:: Chase United Mileage Plus Club Visa (2% United; 1% elsewhere; $375 fee); Chase United Mileage Plus Club Visa (2% United; 1% Elsewhere; $275 fee); Chase United Mileage Plus Select Visa (3% United; 2% gas, home improvement, grocery, dining, Star Alliance purchases; 1% elsewhere; $130 fee); Chase United Mileage Plus Visa Signature (1% everywhere; $60 fee); Chase United Mileage Plus Platinum Business Visa (2% United; 1% Elsewhere; $75 fee); 0.5%-2% (miles) USAirways Credit Cards; Earn miles, signup bonuses, different cards offer different benefits:: Barclays USAirways World Premier MC (2% USAirways; 1% elsewhere; $89 fee); Barclays USAirways World MC (1% everywhere; $49 fee); Barclays USAirways Business MC (2% USAirways; 1% elsewhere; $79 fee); Barclays USAirways Business MC (1% USAirways; 0.5% elsewhere; no fee); Barclays USAirways Professional MC Business (2% USAirways; 2% restaurant, hotel, car rental, gas; 1% elsewhere; $79 fee)
Car Purchase/Repair 3% Chase Subaru on everything. Good for Subaru purchase or repair at dealer ($500 annual limit, 4-yr expiration period) 3% HSBC GM Card - 3% rebate when applied toward the purchase of a GM vehicle (rebate limitations apply depending on make/model)
Gas, Groceries, Drugstores 6% AMEX Blue Cash Preferred: 6% on groceries, 3% on gas and department stores, 1% on everything else - $75 annual fee, $100 sign-up bonus[link] [fw thread] 3% Associated Bank Rewards Visa: 3% on gas, groceries and drugstores, 1% on everything else. Only first $1000 annual spending get 3% [link] 3% AMEX Blue Cash Everday: 3% on groceries, 2% on gas and department stores, 1% on everything else [link][fw thread] 2% Capital One No Hassle Cash Rewards MC: 2% on gas and groceries, 1% on everything else. No cap on the amount of awards. [link] *DEAD FOR NEW CUSTOMERS* 1 - 5%: Am.Ex Blue Cash: 5% after you have spent $6,500 for the year. 1% before that. [fw thread] 1 - temp 5%: Citi Diamond Preferred Rewards MC (5% promo for 1 year) In TYP (1TYP = 1c for $100 GCs, student loans, comparable for travel, Expedia) $750 cap per year link 2 - 4% Citi PremierPass Elite Level - 2 TYP for every $1 spent at gas, supermarkets, drugstores, commuter transportation and parking merchants plus duplicate with 1 TYP/mile flown, 20K bonus TYP ($200) (PremierPass Elite [link] [fw thread 1] [fw thread 2]), $75 annual fee
Gas 5% PenFed Cash Rewards Visa, 1% on everything else, auto monthly statement credit [fw thread] [link] 5% Fort Knox Visa, also 1.25% on everything else. [link], [join CU for free but $10 initial membership fee], [inactivity fee after a year of no use] 3 - 5% AAA Rewards Visa. Look on your region's site for current offer (generally 3-5% on gas). North CA, NV, UT 5% on gas and 2% on AAA insurance 4% Costco/Amex TrueEarnings Business card - capped at $6,000 in spending per year 4% PNC Everyday Rewards. 4% Gas, 3% Movie, 2% Groc/Restaurant. Gas capped at $250 per month. Link 3% AMEX Blue Cash Preferred: 3% on gas and department stores, 6% on groceries, 1% on everything else - $75 annual fee, $100 sign-up bonus[link] [fw thread] 3% AMEX Costco 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% AMEX SimplyCashSM Business Card (also 5% on office supplies, telecom), auto monthly statement credit [link], [cardoffers link] 3% Chase Ink Cash (3% Cash Back on gas, restaurants, home improvement stores, and office supply stores) 3% BofA Cash Rewards for Business MasterCard (also, 3% Cash Back at office supply stores and for computer network services, 1% Cash Back on all other purchases) [link] 3% Citi AT&T Universal Business Rewards Card (5 TYP on AT&T, 3 TYP on office supply stores, 3 TYP on gas, and 3 TYP on professional services)
Gas - Specific 5 - temp 10% Chase BP Visa: 5% at BP service stations, plus 2% dining & travel (incl. airfare), 1% general. Double rewards (10%/4%/2%) in first 3 monthsLinkFW thread 5% Barclay's Sinclair Oil Mastercard: 5% at Sinclair stations, 1% general 5% Shell Platinum MasterCard 5% rebates @ Shell and Jiffy Lube, 0.5% elsewhere 5 - temp 10% Marathon Gas MC-10% @ Marathon for 60 days 2% elsewhere, then 5% @ Marathon, 1% elsewhere. 5 - temp 10% Hess Gas Visa- 10% @ Hess for 90 days, then 3%. 1% elsewhere. 4 - temp 8% LUKOIL and Getty gas stations http://www.lukoilmastercard.com/ (8%/2% for 60 days) 3% FirstUSA Sheetz Mastercard 3% Sheetz purchases, 2% grocery&travel, 1% general (10% Sheetz purchases first 90 days)
Home Improvement 3% Chase Ink Cash (3% Cash Back on gas, restaurants, home improvement stores, and office supply stores)
Hotel Cards 2-9% (points) HHonors; earn points not $ plus various sign up bonuses:: AMEX HHonors (6% hilton Hotels, Drugstore, Gas, Grocery, Phone, TV, CATV & ISP; 3% elsewhere); AMEX HHonors Surpass (9% hilton Hotels; rest same as AMEX HHONORS; $75 fee); Citi HHonors (6% hilton Hotels, 3% Grocery, Drugstore, Gas; 2% elsewhere) 1-5% (points) Marriott Rewards; earn points not $ plus various sign up bonuses:: Chase Marriott Rewards (3% Marriott Hotels; 1% elsewhere; $30 fee) Chase Marriott Rewards Premier (5% Marriott Hotels; 2% Dining, Rental Car; 1% elsewhere; $65 fee) Chase Marriott Rewards Business (3% Marriott Hotels; 1% elsewhere; $30 fee) 1-3% (points) IHG Priority Club Rewards; earn points not $ plus various sign up bonuses:: Chase PCR Rewards (3% IHG Hotels; 1% elsewhere; $29 fee) Chase PCR Rewards Business (3% Marriott Hotels; 1% elsewhere; $29 fee); Unadvertised no fee cards also available but only earns 1% everywhere. 1-2% (points) SPG; earn points not $ plus sign up bonus points:: SPG AMEX (1-2% SPG Hotels; 1% elsewhere; $45 fee) SPG AMEX Business(1-2% SPG Hotels; 1% elsewhere; $45 fee) 2-10% (points) Choice Hotels; earn points not $ plus sign up bonus points:: BOA Choice Privileges Visa (5% or 10% Choice Hotels; 2% elsewhere) 2-3.4% (points) BestWestern earn points not $ plus sign up bonus points:: Barclay Best Western Platinum Mastercard (3.4% Best Western Hotels; 2% elsewhere)
Movies, Books, Music 5 ThankYou points Citi Forward Visa: 5 TY points for Amazon.com purchase. Also 5 TY for restaurant (not bar)[fw thread 1] (Note: It has been confirmed here Citi Forward and Citi mtvU ThankYou point program is much worse than other ThankYou program which all manage by ThankYou.com. Don't have any good 1 TY point to 1 cent reward) 5 ThankYou points Citi mtvU Visa: student version of Citi Forward Visa, plus, earn TYP for maintaining good GPA
Office Supplies 5% Am.Ex SimplyCashSM Business Card (also 3% on gas, 5% on telecom, only good for service, not purchase of phone or accessories) [link] 3% Chase Ink Cash (3% Cash Back on gas, restaurants, home improvement stores, and office supply stores) 3% BofA Cash Rewards for Business MasterCard (also, 3% Cash Back at office supply stores and for computer network services, 1% Cash Back on all other purchases) [link] 3% Citi AT&T Universal Business Rewards Card (5 TYP on AT&T, 3 TYP on office supply stores, 3 TYP on gas, and 3 TYP on professional services)
Phone 5% Am.Ex SimplyCashSM Business Card (also 3% on gas, 5% on telecom, only good for service, not purchase of phone or accessories) [link] 5% Chase Ink Business Link
Restaurant 5 ThankYou points Citi Forward Visa, 5 TY points for Amazon.com purchase. Also 5 TY points for restaurant (not bar) (Note: It has been confirmed here Citi Forward and Citi mtvU ThankYou point program is much worse than other ThankYou program which all manage by ThankYou.com. Don't have any good 1 TY point to 1 cent reward) 5 ThankYou points Citi mtvU Visa, student version of Citi Forward Visa, plus, earn TYP for maintaining good GPA 3% Chase Ink Cash (3% Cash Back on gas, restaurants, home improvement stores, and office supply stores) 2% Am.Ex Costco card [link]
Travel Purchases 2% Am.Ex Costco [link] 2% - temp 4% Chase BP Visa: 5% at BP service stations, plus 2% dining & travel (incl. airfare), 1% general. Double rewards (10%/4%/2%) in first 3 monthsFW thread 1 - 3% Travel0city Rewards MasterCard: 2-3% on purchases at Travel0city ($29 annual fee), $100 bonus [fw thread] 1 - 2% Citi PremierPass Elite Level: 1 TYP/$ plus duplicate with 1 TYP/mile flown. 20K bonus TYP ($200) (PremierPass Elite [link] [fw thread 1] [fw thread 2]), $75 annual fee
Utilities, Cable 2 - temp 5%: Citibank Dividend Select (5% promo for 6 months) [fw thread] (excludes phone) (only available for students) 5% Chase Ink Business (Cable) Link
Rotating Categories [maintained wiki] 3% - FIA (until 2011-09-30: Office Supply Stores - Book Stores - Shoe Stores - Electronic Stores - Computer Stores) 5% - Discover More Card - 5% for first $800 in select quarterly categories, 1% otherwise 5% - Chase Freedom Card - $300 bonus @ 17.99 APR [FW Thread] or $250 bonus @ 15.99 APR [FW Thread] - 5% for first $1500 in select quarterly categories, 1% otherwise (Categories for Oct-Dec 2011: Dining - Department stores - Movie theaters - Charity) 5% - Capital One No Hassle Rewards Card - no limit - Jul Sept 2011 - Lodging, Gas and Amusement Parks, Oct Dec 2011 - Clothing Stores, Department Stores, Electronics and Toy Stores
Specific customer types
Business cards Chase Ink Business 5% on office supplies, wireless, landline and cable. 2% on dining and gas Link Chase Ink Cash (3% Cash Back on gas, restaurants, home improvement stores, and office supply stores) BofA Cash Rewards for Business MasterCard (3% Cash Back at office supply stores, gas stations, and for computer network services, 1% Cash Back on all other purchases) [link] 1.25% Dollars Bank Business Preferred Visa, [link], There is no annual maximum rebate, Cash Back Rebate Amount must be at least $50.00 before a distribution will be made. 1.25% ~ 1.5% US Bank Business Visa (You get bonus CashBack if you have business checking with US Bank)
College student cards Calculator for Student card rewards: A utility to find the best reward card or combination of cards for a college student's categorical spending profile [link], [fw thread] 2 - temp 5% Gas, Groceries, Drugstores: Citibank Dividend Select (5% promo for 6 months) [fw thread] 5 TYP for restaurants, bookstores (Amaz0n.com!), movies, movie rentals: Citi mtvU [link], [fw thread]. Up to 2000 ThankYou Points per semester for maintaining a good GPA 2% Cash Back on restaurants, cell phone bills, and textbooks. 1% on everything else. No Annual Fee: CapitalOne Student Rewards Card[link]
Consumer cards Consumer cards are broken out above by reward category.
Store-specific cards (Thanks to those who submitted these cards!)
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.
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!
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.
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.
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.
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?
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
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.
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!).
I modified the quick summary to include a link to a new 0%/low APR thread started recently by markber. That should satisfy the desire to have access to BT cards, but keep OP's desire to keep 0% offers elsewhere.
ToHellWithUGA said: Argh, I didn't realize there was a 12 month 6% offer for the Citi Home Rebate card. I just signed up through cardoffers with 6% for 6 months.
How does the number of months matter, citicards normally have a cap and you'll max it out in a month or two anyway...
The information on that web is so scewed it not even funny. Plus that webpage is referal program does not work. I am sure there is a reason he picked the cards he did. I am sure discover pays the highest commsion from sign up bonus followed by advanta which is why he threw in $50 of office supplies a month in his budget LOL who hell spends $600 for office supplies for there personal use.
He picked the worst Chase card. He gave Citibank 5X TY point card in EDS a worse score than Gas Discover which is a tired reward program which only pays 5% on Gas and biggest expensive by almost 3X anything else is Supermarkets. Then he compared only lowest redemtion levels which some cards only redemtion levels over 5000 points are at 1:1 while others start with as little as 2500 points.
Citibank Diamond cards should have blown everyone else out of the water more than 33% of all charges would fit in 5% EDS stuff should have been 2nd only to ATT card which adds bonus on ATT services on top of the EDS places. He picked chases 1:1 card except Chase still offers freedom card on there web page which is 3:1 in EDS. AMEX always have 2:1 promo on there charges 2X a year in april till july at markets/gas station if they do same as last year and double points on everything for Nov-Dec.
No Idea how he calculated discover gas card as I get less than $12 because between 0-3000 in non gas charges you are only getting 0.25% Cash Back bonus and above $3000 you getting 1%. He got 679 of non gas purchase per month so that is $8148 a year which equals $5.14+0.75+5.40(gas bonus)=$11.29 yearly bonus and not 19.07 he got unless he counting insurance and car rentals as 5% which they dont also plus did not take into account the fact Discover pays 0.25% for first 3K in non gas purchases.
The AMEX Cash Rebate/Blue cash you included has a 4+ year old thread here. I don't think it needs more updates, but would be glad to revise the OP if so.
1.25% Penfed: no caps, no tiers, monthly credits, plus 5% gas ca$h back
What does the 1.25% refer to?
I assume that Penfed requires some qualification for membership that I don't have, but I the 1.25 seemed to low to be an APR.
1.25% is the reward for that card, %5 on gas, 1.25% for everything else. Yes, penfed is a credit union so there are membership requirements, but there are orginizations you can join to qualify for membership, os in effect is open to everyone.
Don't forget the Advanta Business Rewards card. 5% Cash Back on gasoline, office supplies, utilities, computer equipment, cell phones and Internet services, and 1% on all other purchases.
ccrebater said: Don't forget the Advanta Business Rewards card. 5% Cash Back on gasoline, office supplies, utilities, computer equipment, cell phones and Internet services, and 1% on all other purchases.
As far as I know, you can no longer apply for the flat 5% Cash Back card (cardoffers.com is out of date I think). The new one may have a tier that reaches 5% but I believe it is only after you have purchased tends of thousands of dollars at lower tiers and then it is capped before the next spending tier goes down again.
Discontinued cards are the enemy of making this thread useful.
However, if you meant the new tiered card and feel like you can accurately describe the tiers, feel free to add it to the quick summary.
ccrebater said: Don't forget the Advanta Business Rewards card. 5% Cash Back on gasoline, office supplies, utilities, computer equipment, cell phones and Internet services, and 1% on all other purchases.
You mean this?
From "ADVANTA PLATINUM BUSINESS CARD TERMS AND CONDITIONS"
Cash Back rewards are also earned on the Bonus categories of "gasoline and diesel fuel," "computers, computer supplies, electronics and office supplies," and "utilities and telecommunications." Cash Back rewards on Bonus category qualifying purchases are earned as follows: 1.00% on up to $20,000 in purchases; 2.00% on purchases between $20,001 and $30,000; 5.00% on purchases between $30,001 and $50,000; and 0.50% on purchases over $50,000.
OK, first post for me, so please be nice. I've searched for this but can't seem to find. How about adding info on what credit score is needed to obtain each of these cards? Some of us are still working on building ours up.
jl8065 said: Question from a first-time user and total newbie: I'm about to pay for a big (9K) contracting job and was wondering what the best card to do it with would be? I am also in the market for a new card for general use (I do fly international once a year), but could also get a separate card for this transaction if I can get a higher % Cash Back as a new user. Any tips and suggestions are greatly appreciated. And I apologize in advance if my question is not in line with the forum's usage norms.
If it's a onetime charge for 9k - Chase AARP (gets 5% CashBack the first 6 months). That'll be a good general card for business too. There's some folks reporting issues with Chase right now - search AARP in FWF to find the thread. If it's outside of 6 months, you're probably best off with a 2% card (Fidelity 2% AMEX is my recommendation) Neither of those cards have good signup bonuses For your international travel - do the 2x50 American Airlines cards. and the 100k signup bonus miles can be used on any OneWorld airline for international travel to pretty much anywhere. Another suggestion is the PenFed Travel AMEX which gives 5% CashBack on airfare purchases (and 20,000 points signup bonus good for $200 airfare), it's my card of choice when I'm actually purchasing airfare. I think 5% CashBack is as good or better than any airline card that gives 2 pts/dollar on airline purchases, so I stopped using my airline specific card. Others may disagree with that.
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