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What Credit Card Should I Get ? FAQ

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+245
ScootyPuffSr
3/10/07 2:02 AM
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.
WikiPost
3/10/07 2:02 AM
To maximize rewards:

All-Purpose/Main Spending Card
2.625% cash-back BankAmericard Travel Rewards  with Platinum Honors Status - , No foreign transaction fees. $175 bonus after spending $500 in first 3 months. Must redeem CashBack on "travel" expenses. Must have $100,000 in qualifying assets with Merrill and BOA combined and jump through other hoops to earn 75% bonus, see thread on BOA Preferred status. http://www.fatwallet.com/forums/topic_view.php?catid=52&threadid=1335073&start=0.. 
2% - Citi Double Cash Mastercard - Earn 1% when you buy and another 1% when you pay.  Unlimited Cash Back.  No annual fee.  3% Foreign Purchase Transaction fee.  When you have $25+ in rewards, you can redeem for a check, statement credit, or gift cards. [link ] [FW thread ]
2% - Fidelity Investment Rewards American Express Card: - Earn 2% on everything. Rewards can be redeemed with minimum redemption of $50.($2500 spend). No annual fee. 1% Foreign currency surcharge. [link ]
1.5%-2% - Fidelity Investment Rewards Visa Signature Card: - Earn 1.5% (first $15,000 annual spend, 2% thereafter) on everything. Rewards can be redeemed with minimum redemption of $50. No annual fee. 3% Foreign merchant use fee (regardless of currency used in transaction.)
1.5% BankAmericard Travel Rewards - 1.5% cash-back, No foreign transaction fees. $100 bonus after spending $500 in first 3 months. Must redeem CashBack on "travel" expenses.
1.5% - Capital One Quicksilver Cash Rewards Credit Card: - Flat 1.5% cash-back. No foreign transaction fees. $100 bonus after spending $500 in first 3 months. [link ]
1.5% - Northrop Grumman CU Cash Rebates - Flat 1.5%, deposited annually. No foreign transaction fees. Join through Southern California Historical Aviation Foundation. [link ]
1.5% - Navy Federal CashRewards: - Flat 1.5% on all purchases. CashBack posts same day as purchase. No minimum redemption levels. No limits. No expiration.
1.25%+ Swagbucks Visa - 1.25% CB, more if redeemed for AMZN GC.
1.25% - Dollars Bank Valued Customer Visa - Maximum rebate in any calendar year is $500, distributed semi-annually in January and July. See business** card for no rebate cap version.

Gas, Groceries, Drugstores, Department Stores
6% AMEX Blue Cash Preferred: 6% on groceries, 3% on gas and department stores, 1% on everything else - $75 annual fee, $150 free sign-up bonus. 6% on groceries are capped @ $6k/yr. 2.7% Foreign currency surcharge. [link ][FW thread ]
5.25% gas, 3.5% groceries Bank of America Preferred Rewards with Platinum Honors status, Must have $100,000 in qualifying assets with Merrill and BOA combined and jump through other hoops to earn 75% bonus, see thread on BOA Preferred status. http://www.fatwallet.com/forums/topic_view.php?catid=52&threadid=1335073&start=0.. 
5% Sallie Mae Mastercard: 5% on groceries up to $250/month, 5% on gas up to $250/month, 5% on books up to $750/month and 1% on everything else or over the category limit. 3% foreign transaction fee. [FW Thread ]
4.25% PenFed Platinum Rewards Visa Signature : 4.25% on gas, 2.55% at supermarkets, 0.85% on everything else. No annual fee. No foreign transaction fees. 1 point = $0.0085 [https://www.penfed.org/visasignaturepoints/ ] [FW Thread ][Point devaluation thread ]
3% https://www.bankofamerica.com/credit-cards/overview.go and https://www.bankofamerica.com/myexpression_banking/pagination.do?pageSize=38%A4tPage=1&segmentid=ALUM 3% on gas, 2% on groceries, 1% everything else - no fee. 10% bonus when redeem into Bank of America account.
3% AMEX Blue Cash Everyday : 3% on groceries, 2% on gas and department stores, 1% on everything else - no fee, $100 free sign-up bonus. 2.7% Foreign currency surcharge. [link ] - fw thread 
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

Airline
4.2% PenFed Premium Travel Rewards American Express : 5x points on Airfare, 1x on everything else :: Now no annual fee :: must be a Penfed member 
3 MR points per dollar AMEX Premier Rewards Gold Card - 3x on Airfare / 2x on Gas and Groceries / 1x Everything Else (25,000/$250 sign-up bonus, fee waived first year) [link ], [FW thread ]
1%-2$ (miles) Delta Skymiles Gold; 30,000 Skymiles bonus when you spend $500 in 3 months, first bag checked free, priority boarding, fee waives for first year, 1 mile for every dollar spend, 2 miles for Delta purchases. Another version of the card has the same signup bonus AND https://www262.americanexpress.com/apisites/microsite-framedapp/apply/delta-gold-skymiles-credit-card/U7-1000-48? on first delta purchase made in the first three months.
1%-2$ (miles) Delta Skymiles Platinum; 20,000 Skymiles bonus with 1st purchase, 5,000 additional Skymiles for 2 authorized users, 5,000 Medallion Qualification miles free, first bag checked free, priority boarding, $150 annual fee, 1 mile for every dollar spend, 2 miles for Delta purchases
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% (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)

Gas
5.25% gas, 3.5% groceries BOA Cash Rewards with Platinum Honors status, Must have $100,000 in qualifying assets with Merrill and BOA combined and jump through other hoops to earn 75% bonus, see thread on BOA Preferred status. http://www.fatwallet.com/forums/topic_view.php?catid=52&threadid=1335073&start=0..
5% PenFed Platinum Cash Rewards Visa, 0.25% on everything else, auto monthly statement credit (must enroll in other PenFed products/services such as checking/MMA/mortgage/loans to qualify for 5% rate, else only 3% for gas with $25 annual fee) [fw thread ] [link ]
5% Fort Knox Visa, also 1.25% on everything else. [link ], [join CU for free but $10 initial membership fee ]
5% Sallie Mae Mastercard: 5% on groceries up to $250/month, 5% on gas up to $250/month, 5% on books up to $750/month and 1% on everything else or over the category limit. (not available for residents of IA or PR) 3% foreign transaction fee. [FW Thread ]
4.25% PenFed Platinum Rewards Visa Signature : 4.25% on gas, 2.55% at supermarkets, 0.85% on everything else. No annual fee. No foreign transaction fees. 1 point = $0.0085 [https://www.penfed.org/visasignaturepoints/ ] [FW Thread ][Point devaluation thread ]
**4% TrueEarnings Business Card from Costco and American Express: : 4% on gas up to 7k per year incl. gas at Costco (then 1%); 2% at restaurants; 2% on travel, incl. at Costco; 1% on everything else. Annual fee through Costco membership. Stackable with OPEN Savings.
3% TrueEarnings Card from Costco and American Express: : 3% on gas up to 4k per year incl. gas at Costco (then 1%); 2% at restaurants; 2% on travel, incl. at Costco; 1% on everything else. Annual fee through Costco membership.
**3% SimplyCash Business Card from American Express: : 3% on gas up to 12k per year excl. warehouse locations such as Costco (then 1%); 5% for office supplies up to 12k per year; 5% for wireless services up to 12k per year; 1% on everything else. No annual fee. Stackable with OPEN Savings.
3% AMEX Blue Cash Preferred: : 6% on groceries, 3% on gas and department stores, 1% on everything else - $75 annual fee, $150 free sign-up bonus [link ] - fw thread ]
3% PenFed Platinum Cash Rewards Visa, 0.25% on everything else, auto monthly statement credit. $25 annual fee) [fw thread ] [link ]
2% AMEX Blue Cash Everyday : 3% on groceries, 2% on gas and department stores, 1% on everything else - no fee, $100 free sign-up bonus [link - fw thread ]
2X UR points - https://applynowdc1.chase.com/FlexAppWeb/renderApp.do?SPID=DWRC - 2X gas, 2X hotel, 5X office supplies, cellular/landline/cable
2% http://www.amazon.com/gp/cobrandcard/marketing.html?source=ins7&type=P&login=NO&pr=con321 - Also gets 2% on restaurants, drug stores, and office supply stores.

Gas - Specific
--NONE-- All offers were dead links.


Hotel Cards
2-10cpp AMEX Starwoods Preferred Guest : 10,000 SPG points with sign-up, first year fee waived. 2.7% Foreign currency surcharge. [link ],
**2-10cpp AMEX Starwoods Preferred Guest Business : 10,000 SPG points with sign-up + 15,000 SPG points after spending $5k in 6 months, first year fee waived [link ],
2-9% (points) HHonors; earn points not $ plus various sign up bonuses:: AMEX HHonors (6% hilton Hotels, 5% Gas, Grocery, Restaurants; 3% everywhere else); AMEX HHonors Surpass (9% hilton Hotels; 6% Drugstore, Gas, Grocery, Phone, TV, CATV & ISP; 3% elsewhere; $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; $45 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.
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)
**2X UR points - https://applynowdc1.chase.com/FlexAppWeb/renderApp.do?SPID=DWRC - 2X hotel, 2X gas, 5X office supplies, cellular/landline/cable

Restaurants

3% Chase AARP card 2 versions: Gas/Restaurants or Travel https://creditcards.chase.com/aarp/cardmember 
**3% Chase Ink Cash (3% Cash Back on gas, restaurants, home improvement stores, and office supply stores)
2X Dining/Travel - https://applynowdc1.chase.com/FlexAppWeb/renderApp.do?SPID=DWMG - 40,000 Ultimate Rewards points after spending $3,000 within the 1st 3 months: 2X for categories, 1X otherwise. 7% annual dividend. $95 annual fee waived for 1st year; NO foreign transaction fee
2X Dining/Travel- https://applynowdc2.chase.com/FlexAppWeb/renderApp.do?SPID=DL7T - 25,000 Ultimate Rewards points after spending $3,000 within the 1st 3 months: 2X for categories, 1X otherwise. $0 annual fee; 3% foreign transaction fee
2% Am.Ex Costco card 2% on restaurants located in the U.S. [http://www.americanexpress.com/costcomemberpg ]
2% http://www.amazon.com/gp/cobrandcard/marketing.html?source=ins7&type=P&login=NO&pr=con321 - Also gets 2% on gas, drug stores, and office supply stores.

Office supplies & wireless services
**5X office supplies, cellular/landline/cable, 2X gas and hotels - https://applynowdc1.chase.com/FlexAppWeb/renderApp.do?SPID=DWRC - 25,000 points after 1st purchase and another 25,000 points after spending $10,000 within the 1st 3 months: 1X UR points for non-category spending. Two free lounge passes/year. $95 annual fee waived for 1st year; NO foreign transaction fee
**5% SimplyCash Business Card from American Express: : 5% for office supplies up to 12k per year (then 1%); 5% for wireless services up to 12k per year; 3% on gas up to 12k per year excl. warehouse locations such as Costco; 1% on everything else. Stackable with OPEN Savings.
2% http://www.amazon.com/gp/cobrandcard/marketing.html?source=ins7&type=P&login=NO&pr=con321 - Also gets 2% on gas, drug stores, and restaurants.

Rotating Categories
5% - Discover It Card: - 5% cash-back for first $1500 in select quarterly categories, 1% otherwise [link ]
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
5% - Citi Dividend: - 5% on quarterly categories, 1% otherwise, up to $300 in rewards per year. [FW Thread ]
5% - USBank Cash Plus: - 5% on two categories per quarter, including Sporting Good Stores, Cell Phone, Bookstores, Department Stores, Fast Food, Electronics Stores, Furniture Stores, Hotels, Car Rental, Charity, and Movie Theaters as possible categories, plus 2% on one category (chosen from groceries, gasoline, or restaurants), 1% otherwise. Categories offered should not change every quarter. Once per year bonus of $25 prepaid card with a $100 redemption. [FW Thread ]

College Student Cards
1.25% - Capital One Journey 1.25% Cash rebate if paid on time monthly (includes 25% monthly bonus). No foreign transaction fee. Note: You must have $5,100 pa or $425 monthly minimum income requirement and address must either be in the U.S. or U.S. military location and not be a correctional institution.
1-5% Discover It Student Card - 5% cash-back on first $1,500 spent in rotating quarterly categories, plus up to 1% on all other purchases. No foreign transaction fees. U.S.-based customer service.[link ]
1 ThankYou point per $1 spent everywhere - Citi Forward Visa 
(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. To get better rewards, make sure you have a no annual fee ThankYou MasterCard.)

Store-specific cards

Amazon.com Rewards Visa Card from Chase - 3% cash-back at Amazon. com. 3% Foreign Purchase Transaction fee.
Rakuten.com formerly Buy.com Platinum Visa from Chase - 3% cash-back at Rakuten shopping formerly Buy.com
GapOld Navy, and Banana Republic Visa cards - 5% at Gap, Old Navy, and Banana Republic, 1% everywhere else. Each store's card works at the other two stores.
Hooters Card Reward Program has been terminated Hooters Mastercard- 5 points w/ Hooters, 1 point elsewhere.
REI Visa Up to 5% back on REI, 1% elsewhere.
Link Dead. Visa card program may be terminated https://www.awardscatalog.com/redirect/boa/mbvisa/landingpage.cfm 5 pt/$ spent @ M.B. dealerships and on merchandise.
Gymboree Visa by US Bank Save 5% at Gymboree (Kid's Clothing) and 1% elsewhere. $10 sign up bonus
Brooks Brothers MC 4% rewards for BB purchases, 1% elsewhere, redeemed as BB credits in $20 increments.
https://redcard.target.com/redcard/rc_main.jsp REDcard - 5% off Target. Debit card and credit card available. No credit check to apply for the debit card.
https://www.citibank.com/us/cards/srs/promo_sech1.htm - 2% in Shop Your Way Rewards at Sears and 5% at Kmart, 1% elsewhere, fw thread
Toyota Rewards Visa Card 5% off Services, Parts, Accessories at a Toyota Dealer, 1% elsewhere. Use point balance towards future Toyota services or towards Toyota vehicle purchase or lease.

Reward Maximization

- Credit Card Tune-Up : A calculator to find the best reward credit card or combination of cards for your categorical spending profile: linkfw thread 


Balance Transfer Cards
1-5% Discover More Card - 0% Balance Transfer for 18 months (3% fee), 5% cash-back on rotating categories, plus up to 1% on all other purchases. [link ] No Foreign Transaction Fee, Smart Chip, Rewards Program, 24/7 Concierge Service, Merrill Lynch Trip Advisor, No Annual Fee


Foreign Travel
- Merrill+ - no foreign transaction fee, Smart Chip, no annual fee


Best for Customer Service -- handling disputes etc.

? any suggestions ?



** Business Cards normally have terms in the agreement that state that when you apply and agree to use them you will only do so for business and/or commercial purposes. Amex OPEN cards certainly do, I looked. Visa business as well. If you are using them for other purposes (such as personal or household) and you get into a dispute or arbitration with them you may run into different laws governing debt collection and you could have other difficulties. Just a caution that a business card may contain real distinctions in the terms and conditions and non-applicability of some consumer protection laws. Though this has not happened to me, I would not pursue points that come at too great a cost (like pretending to be a business if you are not). I was just updating some links and noticed business cards mixed in with the others.

Graveyard of Fondly Remembered Card Offers
1.5% - Bank of America Privileges with Cash Rewards Must be in privileges program ($50k deposit BofA/Merrill Edge/MLPF&S) AND redeem rewards into BofA/ML/MLPF&S account to get 50% bonus, otherwise 1%. Amounts presume bonus. Gas 3%, Groceries 2% ($1,500 max per quarter). 3% foreign transaction fee. [link ] No new customers resident in KS, MO, NV, SC and WA. Privileges program replaced with Preferred program, although old cards may still be good. 
2.1% - https://consumer.bankofamerica.com/USCCapp/Ctl/entry?sc=VABO59&mboxSession=1361299203592-8310490 BOA Privilege Travel Reward Card. There is a $75 annual fee, waived first year or if you are in their Privilege Program ($50,000 in total assets between BOA and Merril Edge). No working link for card.
1-5% - https://www.pricelinevisa.com/ - 2% CashBack on everything. 5% when you name your own price on Priceline.com. $25/2500 point minimum to redeem points for statement credit. No annual fee. [https://www.pricelinevisa.com/ [FW thread 2% DEAD for new customers. now 1% Cash Back, 5% Priceline NYOP
1.4% - Emigrant Direct - requires $10K balance at Emigrant Direct [link ] DEAD for new customers Changed to Points on 07/2011 
2% - Escape by Discover Card: - Earn 2 miles per $1 spent. Redeem $1 per 100 miles for travel or $1 per 100 miles for spending on Amazon. com. $60 annual fee but earn 1,000 bonus miles per month with any purchase for first 25 months (equivalent to $250 sign-up bonus). Primary car rental insurance. No foreign transaction fees and now usable on Diners Club merchant network. Link no longer works. CSR states (incorrectly) that all discover promotions are targeted to specific people and (likely truthfully) also that they are promoting the Discover IT card online and as such have removed all other online apps. Can still get the other discover cards applying by telephone, though.
+36
theman2
3/10/07 2:32 AM
you forgot the 'helly kitty' card for fringe benefits...
+2
BrianGa
3/10/07 2:47 AM
Added hotel category.

Just to confirm, this thread aims to be an exhaustive list of cards with benefits/rewards?
-1
ScootyPuffSr
3/10/07 2:50 AM
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.
-1
FastFood
3/10/07 6:16 AM
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!
+1
CrazyRus
3/10/07 8:08 AM
AMEX Blue Cash
Chase Professional MasterCard (3% @ Restaurants, Office Supplies Stores, Gas, Home Improvement sores, Building Supplies Stores)
+1
chocula
3/10/07 8:49 AM
There should be a balance transfer category.
0
LustfortheMoment
3/10/07 9:14 AM
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.
+1
doerrb
3/10/07 10:48 AM
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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