I'd really like to take advantage of the Citi Home Rebate card for my cable bill (getting 2% back now w/Dividend), but I'm a renter. I've seen a few card offer sites that claim that you can get Cash Back if you don't have a mortgage yet, but the Citi website and the CSR I talked to seem to indicate that it is limited to people with mortgages. I suspect that Citi decided to restrict the program and the sites haven't been updated to reflect the change, but if anyone knows otherwise, please let me know. I may try calling Citi again and hope for a more knowledgeable CSR.

ETA: I called again -- this time the number for applying for the card, not the generic number I found on the website. I asked whether I could get a statement credit since I don't have a mortgage, and she said she believed that I could do that for the first year only. She put me on hold to confirm, which she did a moment later. Now the question is, do I take the CSR's word for it when I haven't found any info to back it up? I want to, but I'd hate to apply only to find out she was wrong.

Great thread!

We're missing a section on Pharmacy/Drug store cards though...

SbstncT said:So the so called 'Capital One No Hassle' Rewards cards are not listed here. From what I gather there seems to be a cautionary feel on this forum about capital one.

In Quick Summary (as of 4/17/07 23:21 EST):
"1.25% Capital One: 1% ca$h back plus annual .25% bonus"

daregan said:Thank you mods for making this a sticky!
Guess I have to get a larger monitor for FWF now. I have to scroll before I see any new threads now.

EDIT: Maybe Mods could remove the tax FAQ soon?

djspray said:daregan said:Thank you mods for making this a sticky!
Guess I have to get a larger monitor for FWF now. I have to scroll before I see any new threads now.

EDIT: Maybe Mods could remove the tax FAQ soon?

I don't like stickies taking up half my screen either. "Not Interested" button is a life saver. Even for threads I like I'll remove them and just revisit once in a while.

Well we all have our sticky preferences, personally I don't see why the CD thread and the APY thread aren't mixed into one, and I don't give a rats butt about the property thread since it's very location specific. But this thread gets referenced a lot and has a high rating so I feel it should be a sticky.

FYI you will not get 5% back using AMEX simplycash getting Costco gas.

@ Gin

Thanks for the input.

Im rethinking if its the best time to get a new card. I just finished school and start my new job on July 1st. So on the app if I fill it out as a student I will not likely be approved for the nicer non-student cards. If I fill it out as if I were in my new Job its like: Length of employment 1 month.

Is this bad to do?

mase said:There are no threads I can find about the AMEX Clear card. Any experiences with this card? It's difficult to tell whether the 0% apr promo rate applies to just purchases or BT also.

My clear came with a low APR of like 3.9% for 12-15 months IF you BT in the 1st 20 days. I did not and they hit me with 16%. Total BS if you ask me, but what can you do? So I did a BT to get rid of it.

mattun said:Any reason the AMEX Nest and Knot cards don't get any love? 10,000 point bonus when you hit $15,000 in spending seems kind of hot. Isn't getting 1.67 points a dollar pretty much the best deal on non gas/grocery/Drugstore purchases if you do $15000 of those kinds of purchases a year?

My two cents on the topic...

1) There are 2% cards by invitation so anyone who could get those probably won't consider this.
2) For those not invited there pseudo-2% cards for those who either drive (Driver's Edge) or fly (Premier Pass). While they are not automatic 2%, if you meet certain drive/buy or fly/buy ratios you will get 2 points per dollar.
3) That 10,000 bonus is completely static. Therefore you will almost never 1.67 points/dollar. If you spend $14,999 then you get 1.0 points/dollar. If you spend $20,000 then you get 1.5 points/dollar. As you can see there is a very real risk of losing a considerable amount of rewards by not making the threshold. By going over the threshold you rapidly diminish your value.

Therefore the people interested in this would probably have to be....not invited to a better card, do not drive much, do not fly much, always spend over $15,000 a year but less than $20,000 (otherwise go for the less restrictive Fidelity 1.5% card).

I think that group is awfully darn small, not to mention that Am3x isn't as widely accepted as the MC/Visa options listed above.

As I have said before...I do not own the quick summary, if you can write up a concise one line description and you feel like those cards deserve a place, feel free to add them to the general category.