Balance Transfers
0% / low APR cards [fw thread], [link] - sorted lists of 120 cards
BT Tools / Step by Step Instructions / Updated Cards [link]
CreditCards.com balance transfer cards section[link]
Third-party 0% BT list site [link]
Bonuses
Credit card sign-up bonuses [fw thread] - sorted by value, bank name and expiration date, $12,000 in total
Calculators
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]
Gas
3% Am.Ex Costco card [link]
3% FirstUSA Sheetz Mastercard 3% Sheetz purchases, 2% grocery&travel, 1% general (10% Sheetz purchases first 90 days)
3% Citi Professional [link]
3% Chase Professional MasterCard (3% @ Restaurants, Office Supplies Stores, Gas, Home Improvement stores, Building Supplies Stores)link rewards details link
3.75% (3%) Chase Freedom [fw thread] (not totally correct. Need to save up to $200 rewards to redeem for $250 check. BUT you can only get 3% for the first $600 on gas each month which is max $18 rewards. It will take you more than 11 months just buying $600 gas a month to reach $200 rewards to get $250 check. For some people, may take forever)
up to 5%: Am.Ex Blue Cash: 5% ca$h back on gas/groc/drugstores after you have spent $6,500 for the year
5% Chase BP Visa: 5% at BP service stations, plus 2% dining & travel (incl. airfare), 1% general. Double rewards (10%/4%/2%) in first 3 months FW thread
5% Barclay's Sinclair Oil Mastercard: 5% at Sinclair stations, 1% general
5% Discover Open Road: 5% Ca$h back on first $1,200 in annual gas & auto maintenance purchases. Effective October 1, 2007, 5% Ca$h back on first $100 in gas & auto maintenance purchases each month - up to $1,200 each year [link]
5% Penfed [fw thread]
5% Am.Ex SimplyCashSM Business Card (also 5% on office supplies, telecom) [link], [cardoffers link]
5% Costco/Amex TrueEarnings Business card
up to 8% at Luk Oil and Getty gas stations http://www.lukoilmastercard.com/
up to 10%: Washington Mutual Platinum MasterCard (for 1st 6 months/up to 5% thereafter) [link], [fw thread]
up to 12%: Citi Driver's Edge Options for 1st 12 months / up to 6% thereafter. 6%/3% rebates on purchases. May double up to 12%/6% - additionally $1 for every 100 miles you drive. Rebates are good for car/service or TY points (gift cards) [link], [fw thread]
General Purpose
3% Citi Platinum AMEX: no limit, for 24 months (5% supermarkets, drug stores, gas, 3% for everyting else). $125 fee waived first year. [Link]
1.25% Penfed: no caps, no tiers, monthly credits, plus 5% gas and 2% groceries ca$h back [fw thread]
1.25% Capital One: 1% ca$h back plus annual .25% bonus
1.25% (1%) Chase Freedom [fw thread] (need to spend $20k to get $200 reward to redeem for $250 rebate check. For some people, spending $20k may take a LONG TIME. Or can redeem $50 rebate check for $50 reward which is ONLY 1%)
1.4% Emigran+ Direct: Requires $10K balance at Emigran+ Direct [link]
1.5% Fidelity: 1.5% flat ca$h back, requires Fidelity account [link]
up to 1.5%: Am.Ex Blue Cash: 1.5% ca$h back on everything after you have spent $6,500 for the year [fw thread]
up to 2%: Citi Driver's Edge: 1% TY points plus the chance to double with 1 point/mile you drive [link], [fw thread]
up to 2%: Citi Premier Pass: 1% TY points plus the chance to double with 1 point/3 miles you fly
up to 2%: Citi Premier Pass Elite: 1% TY points plus the chance to double with 1 point/1 mile you fly ($75 annual fee) [link], [fw thread]
up to 2%: Travel0city: up to 2% ca$h back, 4% on purchases at Travel0city ($29 annual fee) [fw thread]
up to 2%: Discover Sam's Club Card (accepted everywhere Discover is accepted), 2% on purchases between $10,000 and $1 million per year, lower tiers before that (samsclub.com)
2%: Countrywide - Will apply 2% of purchases towards your Countrywide mortgage, your Countrywide Bank, FSB Savings, Money Market, or SavingsLink account. [fw thread]
2%: HSBC/Orchard (annual fee for some, mostly targeted, but you might be converted to the 2% program when you try to cancel). See thread for important details.) FW thread
Groceries
3.75% (3%) Chase Freedom [fw thread] (not totally correct. Need to save up to $200 rewards to redeem for $250 check. BUT you can only get 3% for the first $600 on groceries each month which is max $18 rewards. It will take you more than 11 months just buying $600 groceries a month to reach $200 rewards to get $250 check. For some people, may take forever)
5%: Citibank Dividend Select: for new customers for the first 6 months, 2% afterwards [fw thread]
up to 5%: Am.Ex Blue Cash: 5% ca$h back on gas/groc/drugstores after you have spent $6,500 for the year [fw thread]
up to 5%: Washington Mutual Platinum MasterCard: 5% ca$h back on gas/groc/drugstores after you have spent $4,000 for the year [link], [fw thread]
up to 12%: Citi Driver's Edge Options for 1st 12 months / up to 6% thereafter. 6%/3% rebates on purchases. May double up to 12%/6% - additionally $1 for every 100 miles you drive. Rebates are good for car/service or TY points (gift cards) [link], [fw thread]
Home Improvement
3% Chase Professional MasterCard (3% @ Restaurants, Office Supplies Stores, Gas, Home Improvement stores, Building Supplies Stores)
Hotel Cards
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, $30 annual fee (waived 1st year)
Office Supplies
3% Citi Professional [link]
3% Chase Professional MasterCard (3% @ Restaurants, Office Supplies Stores, Gas, Home Improvement stores, Building Supplies Stores)
5% Am.Ex SimplyCashSM Business Card (also 5% on gas, telecom) [link], [cardoffers link]
Pharmacy/Drugstores
2%: Citi Divdend Platinum Select
up to 5%: Am.Ex Blue Cash: 5% ca$h back on gas/groc/drugstores after you have spent $6,500 for the year [fw thread]
up to 5%: Washington Mutual Platinum MasterCard: 5% ca$h back on gas/groc/drugstores after you have spent $4,000 for the year [link], [fw thread]
up to 12%: Citi Driver's Edge Options for 1st 12 months / up to 6% thereafter. 6%/3% rebates on purchases. May double up to 12%/6% - additionally $1 for every 100 miles you drive. Rebates are good for car/service or TY points (gift cards) [link], [fw thread]
Phone
5% Am.Ex SimplyCashSM Business Card (also 5% on gas, telecom) [link], [cardoffers link]
Public Transportation & Parking
Citi Premier Pass Elite: 2 Thankyou points/$ plus double with flight miles [link], [fw thread]
Restaurant
3% Am.Ex Costco card [link]
3% Citi Professional Cash Card [link]
3.75% (3%) Chase Freedom (fast food only) [fw thread] (not totally correct. Need to save up to $200 rewards to redeem for $250 check. BUT you can only get 3% for the first $600 on fast food each month which is max $18 rewards. It will take you more than 11 months just buying $600 fast food a month to reach $200 rewards to get $250 check. For some people, may take forever)
5% Citi mtvU (student only) [link], [fw thread]
STORE SPECIFIC CARDS (Thanks to those who submitted these cards!)
Shell Gas MasterCard- 5% rebates @ Shell and Jiffy Lube,
Marathon Gas MC- 10% @ Marathon for 60 days 2% elsewhere, then 5% @ Marathon. 1% elsewhere.
Hess Gas Visa- 10% @ Hess for 90 days, then 5%. 1% elsewhere.
Banana Republic Card 5% at Banana, Gap, & Old Navy. Can't be used anywhere else.
Hooters Mastercard- 5 points w/ Hooters, 1 point elsewhere.
Continental Airlines MC 5% off CO fares for 1 year, $65 annual fee.
AAA Rewards Visa Look on your region's site for current offer (generally 5% on gas)
Choice Hotels Visa Earn 15 points per $ at Sleep, Comfort, Quality, Clarion, & Mainstay. 2 points elsewhere.
Marriott Rewards Visa Signature 5 points at Marriott, 2 for travel, 1 elsewhere.
REI Visa Up to 10% back on REI, 1% elsewhere.
BP Rewards Visa double rebates for 2 months, then 5% @ BP, 2% Dining, Airline, Car Rental, and lodging, 1% elsewhere.
Mercedes Benz Visa 5 pt/$ spent @ M.B. dealerships and on merchandise.
Sinclair MC by Juniper For 60 days you'll earn 7% at Sinclair, 2% elsewhere and then 5%/1%. Not bad!
Gymboree Visa by US Bank Save 5% at Gymboree (Kid's Clothing) and 1% elsewhere. $10 sign up bonus
Moved- AT&T Universal MC 10% on AT&T/Cingular Purchases for 12 months then 5%
Student
Citi Driver's Edge: 3% Thank You points gas/groc/drug store with possible doubling with 1 point/1 mile that you drive [link]
Citi mtvU: 5% restaurants, bookstores (Amaz0n.com!), movies, movie rentals [link], [fw thread]
Travel Purchases
2% Am.Ex Costco [link]
1 TYP/$ plus 1 TYP/mile flown (PremierPass Elite [fw thread 1] [fw thread 2]) or 1 TYP/3 miles flown (PremierPass)
Chase BP Visa: 5% at BP service stations, plus 2% dining & travel (incl. airfare), 1% general. Double rewards (10%/4%/2%) in first 3 months FW thread
Citi Professional Card - 3% on Rental cars (with free Travel insurance and PRIMARY rental car insurance)
USPS / United States Postal Service
Hilton HHonors AMEX (5 HHonors points per dollar spent at USPS)Link
Utilities, Cable
2% Citi Dividend Platinum Select (excludes phone)
6% Citi Home Rebate - (for 1st 12 months) payable towards a mortgage. Telecom Services. Computer Network / Information Services. Cable, Satellite and other Pay TV and Radio Services, Utilities; 1% on everything else. [link]
Business
Chase Professional MasterCard (3% @ Restaurants, Office Supplies Stores, Gas, Home Improvement stores, Building Supplies Stores)
Car Purchase/Repair
3% Chase Subaru ($500 annual limit, 4-yr expiration period)
Department Stores
3% Capital One® No Hassle Miles(SM) Rewards For Retail Stores Visa
Dry Cleaners
up to 5%: Washington Mutual Platinum MasterCard: 5% ca$h back on gas/groc/drugstores/dry cleaners after you have spent $4,000 for the year [link], [fw thread]
Foreign Spending
BMW Visa (0% forex, earns points towards a BMW = approx 1% ca$h back)
CapOne (0% forex, some cards earn points = 0% fee or approx 1% ca$h back)
Penfed (1% forex, 1.25% ca$h back = 0.25% ca$h back. widely accepted visa)
Discover Card (0% forex, up to 1% ca$h back, card is not widely accepted in most countries except China where discover is accepted by China UnionPay, the largest payment system there)
Charles Schwab Visa (MBNA/FIA) (2% forex, 1% ca$h back = 1% fee) (as of April 31, 2007)
Wells Fargo Visa Signature (0% fee -- Non-signature cards pay 3%!)
State Farm Visa (1% forex, 1% ca$h back)
Fringe Benefits
4 free tows (or other roadside assistance) per year ($50 each credit): Am.Ex Gold
Concierge: Charles Schwab Platinum
Access to FICO Credit Score: Washington Mutual Platinum MasterCard
Free TurboTax Deluxe: Any State Farm credit card
Prestige
Am.Ex Centurion
Merrill+ link
Am.Ex Platinum
Citibank Chairman card
Citibank Private Bank AA Select Visa card - have to have an account at Citi Private Bank but this is only no mileage cap AA credit card in the world
FIA Quantum
SaksFifthAvenue World Elite MC [link]
Invite Only
RBS Card, 3% ca$h back on highest category
HSBC 2% card Annual Cap $400 on rewards (historically very low credit lines given)
Low Non-Promo Purchase Rate YMMV!
7.25% Simmons First Visa Platinum
7.88% Capital One Platinum Prestige
7.99% Advanta
7.99% Pulaski Bank (annual fee)
9.9% BofA (American Express, Worldpoints Mastercard, sports-affiliated cards, etc)
9.99$ FIA Merrill+ card
10.15%APR Charles Schwab Platinum
Miles Cards
Am.Ex Starwood: [am.ex link]; or Business [cardoffers link] / Personal [cardoffers link]
BoA WorldPoints
Discover Miles
Citi Aadvantage Card [fw thread]
Minors (under 18)
U.S. Bank Young Adult Visa Credit Card (16 or older) link
No Credit
BoA Secured [link]
Wells Fargo Secured [link]
Check your local credit union for no/low fee secured cards. [fw list]
Fun(ny)
JCB Marukai Campaign Card (free 15 lb. sack of rice) [link]
Hello Kitty Platinum Plus Worldpoints Visa (free HK sequined change purse) [link]
Plastic Assets Card (not real) [link]
Jesus Credit Card (not real) [link]
World of Warcraft Card link ( FWF discussion here )
Star Wars Card link ( FWF discussion here )
No Longer Available
3% Chase Professional MasterCard (3% @ Restaurants, Office Supplies Stores, Gas, Home Improvement stores, Building Supplies Stores) - [fw thread]
