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.
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Aids for choosing a card by goal Balance transfer - 0% BT list site [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]
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% Schwab Bank Invest First Visa: Flat 2% cash back, credited monthly, requires Schwab account [link], [fw thread] (Seems dead now) 2% Fidelity Rewards American Express Cards through FIA Card Services (BoA): contribute to virtually any Fidelity account, no yearly limit [link], [FW thread] 2% Citi Platinum AMEX: In TYP (1TYP = 1c for $100 GCs, comparable for travel, Expedia) $1,500 cap per year, $99 fee, $150 bonus (15K TYP) (also promo for 2 years: 3% supermarkets, drug stores, gas). [Link] 2% HSBC / Orchard Bank Premium Platinum MasterCard (annual fee for some, mostly targeted but you might be converted when you try to cancel). See thread for important details.) FW thread 1.5 - 2% Fidelity Investment Rewards Visa Signature Card through FIA Card Services (BoA): 1.5% flat ca$h back (2% after $15k annual spending), requires Fidelity account [link] 1 - 2% Citi PremierPass - 1 TYP/$ plus duplicate with 1 TYP/mile flown. 20K bonus TYP ($200) (PremierPass Elite [link] [fw thread 1] [fw thread 2]) or 1 TYP/3 miles flown (PremierPass) 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]) 1.4% Emigrant Direct: Requires $10K balance at Emigrant Direct [link] 1.33% AMEX Blue Sky: for each $7500 spent, get $100 toward any travel expense. No restrictions on where you can earn points. 1.25% Penfed: no caps, no tiers, monthly credits, plus 5% gas and 2% groceries ca$h back [fw thread] 1.25% Capital One: 1% ca$h back plus annual .25% bonus 0.5 - 1.25%: Am.Ex Blue Cash: 1.25% ca$h back on everything after you have spent $6,500 for the year [fw thread]
Car Purchase/Repair 3% Chase Subaru on everything. Good for Subaru purchase ($500 annual limit, 4-yr expiration period)
Department Stores 5 - 6.25% rotating, limited - Discover More 3% rotating - Chase Freedom Card, $50 bonus [fw thread]
Gas, Groceries, Drugstores 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 1 - 5%: Am.Ex Blue Cash: 5% after you have spent $6,500 for the year. 1% before that. [fw thread] 2 - 4% Citi PremierPass - 2 TYP for every $1 spent at supermarkets, drugstores, gas stations, 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]) or 1 TYP/3 miles flown (PremierPass) (dead?) 3%: Bank of America Worldpoints Platinum plus MasterCard: 3 world points on Gas and Groceries for the first $500/mo Apply (dead?) up to 5%: Washington Mutual Platinum MasterCard (up to 10% for 6 months) 5% ca$h back on gas/groc/drugstores after you have spent $4,000 for the year [link], [fw thread]
Gas 5% Penfed [fw thread] [link] 5 - 6.25% rotating, limited - Discover More 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 3% Am.Ex 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% FirstUSA Sheetz Mastercard 3% Sheetz purchases, 2% grocery&travel, 1% general (10% Sheetz purchases first 90 days) 3% Citi Professional [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% Am.Ex SimplyCashSM Business Card (also 5% on office supplies, telecom) [link], [cardoffers link] 3% rotating - Chase Freedom Card, $50 bonus, [fw thread]
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 monthsFW thread 5% Barclay's Sinclair Oil Mastercard: 5% at Sinclair stations, 1% general 5% Shell Platinum MasterCard 5% rebates @ Shell and Jiffy Lube, 1% 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)
Home Improvement 5 - 6.25% rotating, limited - Discover More 3% rotating - Chase Freedom Card, $50 bonus [fw thread] 3% Chase Professional MasterCard (3% @ Restaurants, Office Supplies Stores, Gas, Home Improvement stores, Building Supplies Stores)
Hotel Cards 5 - 6.25% rotating, limited - Discover More 3 - 3.75% 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)
Public Transportation & Parking 2 - 4% Citi PremierPass - 2 TYP for every $1 spent at supermarkets, drugstores, gas stations, 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]) or 1 TYP/3 miles flown (PremierPass)
Movies, Books, Music 5% Citi Forward Card 5 - 6.25% rotating, limited - Discover More
Office Supplies 5% Am.Ex SimplyCashSM Business Card (also 3% on gas, 5% on telecom) [link], [cardoffers link] 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)
Phone 5% Am.Ex SimplyCashSM Business Card (also 3% on gas, 5% on telecom) [link], [cardoffers link] 3 - 3.75% Chase Freedom Card
Restaurant 5% Citi Forward Card 5 - 6.25% rotating, limited - Discover More 3% Am.Ex Costco card [link] 3% Citi Professional Cash Card [link] 3% Chase Professional
Travel Purchases 5 - 6.25% rotating, limited - Discover More 3% Citi Professional Card - 3% on Rental cars (with free Travel insurance and PRIMARY rental car insurance) 1 - 3% Travel0city Rewards MasterCard: 2-3% on purchases at Travel0city ($29 annual fee), $100 bonus [fw thread] 2% Am.Ex Costco [link] 2% - temp 4% Chase BP Visa: 5% at BP service stations, plus 2% dining & travel (incl. airfare), 1% general. Double rewards (10%/4%/2%) in first 3 monthsFW thread 1 - 2% Citi PremierPass - 1 TYP/$ plus duplicate with 1 TYP/mile flown. 20K bonus TYP ($200) (PremierPass Elite [link] [fw thread 1] [fw thread 2]) or 1 TYP/3 miles flown (PremierPass)
Business cards Chase Professional MasterCard (3% @ Restaurants, Office Supplies Stores, Gas, Home Improvement stores, Building Supplies Stores)
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] (dead?) Citi Driver's Edge: 3% Thank You points gas/groc/drug store with possible doubling with 1 point/1 mile that you drive [link] 5% restaurants, bookstores (Amaz0n.com!), movies, movie rentals: Citi mtvU [link], [fw thread]. Up to 2000 ThankYou Points per semester for maintaining a good GPA
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.
Message edited by: ScootyPuffSr on 2007-03-10 02:51:01 CST
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
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.
Message edited by: dolmar on 2007-03-10 16:48:00 CST
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!).
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