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.

If you think it's good go ahead and add the Penfed secured card. I added a couple of cardoffers links I had on hand and the wells fargo secured.

Added Citi Home Rebate. Removed Advanta Business card (its tiered now and sucks).

Cool, thx.

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.

Excellent work OP.

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.

bula said:Noob Question, in this description:

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.

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.

How about GM Card? It gives 5% cash savings towards a new car purchase. Although its a shame they only let you get $500 in annual savings.

Am I just blind, or is a section on Travel not there?

I.e. the AM.EX costco card gives 2% back on travel, some business cards do travel rebates as well.