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Clearly wasting $6,500 in spending at a low Cash Back redemption and only being accepted at places where AM.EX is taken is not for everyone but no one is suggesting that Am.Ex Blue Cash be removed from the list.
So why are you all fighting so hard to pick out scenarios where Driver's Edge wouldn't work? No one ever said it was the best card for everyone.
Why is it so important to keep it off the list that you guys have to put up straw men and knock them down?
ScootyPuffSr said:
Since when was only the "best" card available to be considered in this list?..........
but no one is suggesting that Am.Ex Blue Cash be removed from the list.
ScootyPuffSr said:
So either remove those cards or add the Driver's Edge
???????????
suaveseattle said:ScootyPuffSr said:
Since when was only the "best" card available to be considered in this list?.......... but no one is suggesting that Am.Ex Blue Cash be removed from the list.
ScootyPuffSr said:
So either remove those cards or add the Driver's Edge
???????????
Wow, that was a rhetorical statement. If you are not capable of abstract thought than perhaps you shouldn't be posting.
I made that statement to point out the absurdity and arbitrary nature by which you "gatekeepers" want to keep Driver's Edge out. I never seriously suggested that Blue Cash should be removed.
Does it make you feel powerful deciding what cards other people should get.
By the way, Suave, I'm still waiting for the response of how all miles cards are 5%.
Driver's Edge rebate can be used for car purchase and service -- no Thank You point conversion. Some TY gift cards can be redeemed for less than 100 points per gift card dollar. Example: $50 Lands End for 4500 points.
The miles rebate is free. I have to drive whether I get the rebate or not. When I have the miles, the DE is essentially a 6%/2% card. That's not introductory rate. Which card has a better rebate rate? When my spending is much ahead of the miles, I simply switch to two other cards to get 5%/1.5% while my miles accumulate.
c3 said:Driver's Edge rebate can be used for car purchase and service -- no Thank You point conversion.
This is simply not true if you ask for your card to be converted to a Driver's Edge option card.
I can personally verify that Driver's Edge rebates CAN be converted to TY points.
Secondly one can get 6%/2% on all purchases if one keeps the right spending/driving ratio (obviously if you don't have a car this is not for you).
Thirdly, once your TY points are converted to gift cards the inflation caused by rising prices at the store will occur whether you pay cash or not...the items will cost more.
Fourth even a retarded monkey could convert 6 TY points to at least 4.5 cents that you guys are claiming is so great by selling home depot gift cards on eBay.
Finally, it is mathematically impossible to get 5% and only 5% from either WaMu or Blue Cash and it is possible to get 5.7%-6% on a NON-LIMITED TIME BASIS with Driver's Edge.
Since you guys wanted to get all technical and say that TY points are cash (and imply that they can't be converted to cash value which is false) you should admit that Blue Cash is also not a "5% card" by your own definitions.
This is ridiculousness, if you guys want to make up a completely arbitrary set of rules and make false statements, have fun with your power trip.
I'm out.
ScootyPuffSr said:
I made that statement to point out the absurdity and arbitrary nature by which you "gatekeepers" want to keep Driver's Edge out. I never seriously suggested that Blue Cash should be removed.
You made the statement "So either remove those cards or add the Driver's Edge" in your first post of this series.... before any "gate keepers" had the chance to say anything. I haven't heard anyone suggest that Driver's edge should be removed. The only reason I replied is because I don't think any of the cards should be removed.
I completely understand how FF miles work. You are correct... you don't have to use a credit card go get them. Valid point. However, you still can feasibly fly more than you buy just like you can drive more than you buy to turn Citi's into a 5% card. BTW... nor have you answered my question "do you work for Citi?"
I think we are both arguing to keep things the way they are. So I guess there isn't much of a reason to argue at all. To each their own.
ScootyPuffSr said:c3 said:Driver's Edge rebate can be used for car purchase and service -- no Thank You point conversion.
This is simply not true if you ask for your card to be converted to a Driver's Edge option card.
I can personally verify that Driver's Edge rebates CAN be converted to TY points.
Secondly one can get 6%/2% on all purchases if one keeps the right spending/driving ratio (obviously if you don't have a car this is not for you).
Thirdly, once your TY points are converted to gift cards the inflation caused by rising prices at the store will occur whether you pay cash or not...the items will cost more.
Fourth even a retarded monkey could convert 6 TY points to at least 4.5 cents that you guys are claiming is so great by selling home depot gift cards on eBay.
Finally, it is mathematically impossible to get 5% and only 5% from either WaMu or Blue Cash and it is possible to get 5.7%-6% on a NON-LIMITED TIME BASIS with Driver's Edge.
Since you guys wanted to get all technical and say that TY points are cash (and imply that they can't be converted to cash value which is false) you should admit that Blue Cash is also not a "5% card" by your own definitions.
Umm, I think c3 was actually supporting your opinion. Probably wasn't a good idea to compare him to a retarded money.
suaveseattle said: I haven't heard anyone suggest that Driver's edge should be removed.
Actually you said you did not want it in the main list. Being removed from the main list or blocking it from getting their in the first place is just a game of semantics.
The only reason I replied is because I don't think any of the cards should be removed.
Actually no you replied saying you wanted to keep Driver's Edge off the main list.
I completely understand how FF miles work. You are correct... you don't have to use a credit card go get them. Valid point. However, you still can feasibly fly more than you buy just like you can drive more than you buy to turn Citi's into a 5% card. BTW... nor have you answered my question "do you work for Citi?"
You have the most bizarre logic ever. If you go to a store and they have a 5% off everything sale does that also "turn" any credit card into a 5% card? That is the type of logic you are trying to pull off.
How many times do I have to say it? FF Miles can be earned regardless of the method of payment and would be earned anyway. So in no way does have a FF # make any card a 5% card.
The fact is you would not be earning those drive miles without the driver's edge card so THAT credit card is providing you that value. You would be earning thos FF miles with or without the card. Why is that so difficult for you to understand?
everybody freaking calm down. all of these cards have merits, and everyone can decide how best to use them given 1) their own personal spending habits and 2) the advantages and disadvantages of the cards. does anyone really care if a card is or isn't on the list???
to say things like "Clearly wasting $6,500 in spending at a low Cash Back redemption" or "even a retarded monkey could convert 6 TY points to at least 4.5 cents" is just inflammatory and completely unnecessary.
to paraphrase Allen Iverson, "we're talking about credit cards, man. credit cards."
suaveseattle said:
Umm, I think c3 was actually supporting your opinion. Probably wasn't a good idea to compare him to a retarded money.
Ummmmmmmm, unlike you I point out factual inaccuracies whether it supports my case or not. I do not buy into the group think you are supporting.
He made a factual error, I pointed it out. Case closed.
I never called C3 a retarded monkey or a retarded money. Now you are just lying. Every point beyond the first one was not addressed to C3 and those points were addressed to the general conversation on this thread.
In fact I never called anyone a retarded monkey. I said that despite what many people (I never said C3 said it, in fact s/he didn't say it) said, a retarded monkey can convert the points to cash value.
Reading comprehension is fundamental.
all of these cards have merits, and everyone can decide how best to use them
Then why is SuaveSeattle trying so hard to prevent it from being added to the main list?
You may call my comments inflammatory, but at least they aren't riddled with factual errors like so many comments on this thread.
I never said Driver's Edge should be the #1 card. I simply asked for it to be added to the main list for consideration by everyone.
It is not a limited time deal.
I will not respond to anything else until this is addressed?
It is very possible to redeem Driver's Edge points program for more than 5% cash value well after the first 12 months.
If the above bolded statement is not true, please point out why. If it is true, please add it to the main list. So why hasn't it been added to the main list and why is SuaveSeattle making up arguments to try to prevent it from being added.
Made up arguments include that all miles cards are 5% off card. That's like saying getting a 10% off coupon in the mail makes your credit card a 10% off card.
dp
Wow. There's been a lot of....well.... "discussion" going on in the last day or so while I've been away. 
Thanks for the hits though.
Thanks for all of the info people. SuaveSeattle, I tend to agree with you on the way the list is set up. ScootyPuffSr you made some good points on the value of Driver's Edge. It sounds like you really like your Citi Driver's Edge, and know a lot about it. That's awesome. There's a lot of intricacies and strategizing with this card though... a lot more than I can explain in my brief synopsis of a card. Probably enough that it deserves it's own thread. If you start one, let me know and I'll be sure and link it from this OP.
Enjoy your day everyone!
ScootyPuffSr said:c3 said:Driver's Edge rebate can be used for car purchase and service -- no Thank You point conversion.
This is simply not true if you ask for your card to be converted to a Driver's Edge option card.
I guess my sentence was poorly worded. I meant to say that the rebate does not have to be converted to TY points. It can also be used toward car purchase and service.
DE is my current primary card.
Boom shaka laka
There is a way to still get the benefits of the Citi Dividends Card. Associated Bank issues an unadvertised card called the “Associated Bank Cash Rebate Card”. They issue it through Citibank’s co-brand platform. The terms are exactly the same as the old Citi Dividends Card before they limited the benefits.
5% cash rebate on supermarkets, gas stations, drug stores.
1% on everything else.
Max $300 Rebate Dollars every calendar year.
Request checks when reward balance $50 or more.
5 rebate dollars for each individual transaction of $1,500 or more.
0% BT for 9 months. BT transfer fee: 3% $5 min, $75 max.
No annual fee.
Apply by calling 1-877-577-9485 an ask for the card.
If you have an Associated Bank near you, you can pick up the application in branch.
ChiefRocka said:
5% cash rebate on supermarkets, gas stations, drug stores.
1% on everything else.
Max $300 Rebate Dollars every calendar year.
Request checks when reward balance $50 or more.
5 rebate dollars for each individual transaction of $1,500 or more.
0% BT for 9 months. BT transfer fee: 3% $5 min, $75 max.
No annual fee.
Apply by calling 1-877-577-9485 an ask for the card.
If you have an Associated Bank near you, you can pick up the application in branch.
Link to Bank Website - Offer is unadvertised
Information about Associated Bank
Just as a data point -- I applied for this card; it's definitely legit. Completely automated phone process; only asks for Household Income, which was great for me since I have a very high HHI. I received a 25k line that's already showing up on my CR, but I haven't received the card yet. I'm not sure why this card isn't getting more discussion.
I just received a letter saying my Citi Dividend card is being switched from 5% on gas/drug/groc to 2% gas/drug/groc/cable/util effective Oct 13. Maybe I'll apply for the card posted just above once that occurs. Thanks.
On the AMEX blue cash card, with the minimum of 6500$ worth of purchases to get 5%, if I only spend 6501$ in a year on the card, is only 1$ of my purchases given back to me at 5%, with the rest at that obscenly low rate? Or am I misreading? Sorry if this has been posted before, I might have dazed out when searching the thread.
has anybody received their approved card from associated bank mentioned above?
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