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.
================================= To maximize rewards:
All-Purpose/Main Spending Card 2.625% BankAmericard Travel Rewards with Platinum Honors Status - No foreign transaction fees; $175 bonus after spending $500 in first 3 months; Redeem points on travel expenses or transfer to Fidelity credit card for cash. Must have $100,000 in qualifying assets with Merrill and/or BOA combined see thread on BOA Preferred status. FW thread 2.5% USAA Limitless Cashback Rewards Visa Signature - Flat 2.5% on everything. No annual fee. No foreign transaction fees. Must have a USAA checking account with a qualifying direct deposit of at least $1,000 every month. Must be a full USAA member. Must reside in AL, AZ, CO, GA, HI, ID, IL, IN, KS, LA, MI, NM, NV, NY, PA, RI, SC, TN, TX or WA (it will become available in additional states at a later date). 2% & Special Financing - Blispay Visa - Earn 2% cash back on all purchases via an automatic statement credit every statement. No Payments No Interest on all purchases over $199 if paid in full in 6 months everywhere Visa® cards are accepted. Unlimited Cash Back. No annual fee. 3% Foreign Transaction fee. 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 Rewards Visa Signature - Earn 2% on everything. Rewards can be redeemed with minimum redemption of $50 ($2500 spend). No annual fee. 1% foreign transaction fee. [link ] 2% PenFed Power Cash Rewards Visa - 1.5% on everything + an additional 0.5% if you maintain a PenFed Access America Checking Account (daily balance of $500 or a monthly direct deposit of $500 needed to avoid a $10 monthly fee) or are an active duty or retired member of the military. 1.75% BankAmericard Cash Rewards with Platinum Honors Status - Must have $100,000 in qualifying assets with Merrill and BOA combined 1.575% - Barclaycard CashForward World MasterCard - 1.575% effective cash-back (1.5% flat cash back plus a 5% redemption bonus). No annual fee. $100 bonus after spending $500 in first 3 months. 1.5% (doubled to 3% for the first 12 months) - Discover It Miles. No annual fee, redeem for cash deposit or statement credit. 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 - Flat 1.5% cash-back. No foreign transaction fees. $100 bonus after spending $500 in first 3 months. [link ] 1.5% - Wells Fargo Cash Wise Visa - Flat 1.5% on everything. No annual fee. $150 bonus after spending $1,000 in first 3 months. 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. 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% Santander Bank Bravo MC on Gas, Groceries, Restaurants otherwise 1% 15000 points cap per calendar quarter - https://www.santanderbank.com/us/personal/credit-cards/bravo#disclosure $49 Annual fee waived first year and each year thereafter when you keep $250,000 (Santander Select) or $75,0000 or $6,000.00 monthly direct deposit (Premier Plus Checking) with Santander Bank. 3% Foreign Transaction fee in U.S. Territories except Puerto Rico and all other countries. 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% BankAmericard Cash Rewards cards : 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
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 3.75% AAA Member Rewards with Platinum Honors Status - 3.75% on travel related purchases. Must have $100,000 in qualifying assets with Merrill and BOA combined 3-3.75% (points) Citi ThankYou Premier - 3 ThankYou points on travel and gas, 2 on restaurants and entertainment, 1 everywhere else. No foreign transaction fee. 20% off airfare when redeeming TYP through the TY travel center. $95 annual fee. 3 MR points per dollar AMEX Premier Rewards Gold - 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 - Specific --NONE-- All offers were dead links.
Hotel Cards Hyatt Chase. It's like the game 'Who's line is it anyway..Points don't matter'. You get $50 and two free nights at any Hyatt after spending $1000. Those 2 free nights are worth upwards of $800 a night. 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 (7% 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) 3.75% AAA Member Rewards with Platinum Honors Status - 3.75% on travel related purchases. Must have $100,000 in qualifying assets with Merrill and BOA combined 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% Synchrony Bank Marvel MasterCard: Restaurants, Entertainment (movie theaters, book stores, game stores, etc), and marvel.com - https://marvel.com/creditcard?siteCode=MCLAMONB&cmpid=MCLAMONB&Dcom=MOLNAV - $25 after first purchase, no AF [fw thread ] **3% Chase Ink Cash (3% Cash Back on gas, restaurants, home improvement stores, and office supply stores) 3% Santander Bank Bravo MC on Gas, Groceries, Restaurants otherwise 1% 15000 points cap per calendar quarter. https://www.santanderbank.com/us/personal/credit-cards/bravo#disclosure $49.00 Annual fee waived first year and each year after when you keep $250,000 (Santander Select) or $75,0000 or $6,000.00 monthly direct deposit (Premier Plus Checking) with Santander Bank. 3% Foreign Transaction fee in U.S. Territories except Puerto Rico and all other countries. 3% Foreign Transaction fee in U.S. Territories except Puerto Rico and all other countries. 2-2.5% (points) Citi ThankYou Premier - 3 ThankYou points on travel and gas, 2 on restaurants and entertainment, 1 everywhere else. No foreign transaction fee. 20% off airfare when redeeming TYP through the TY travel center. $95 annual fee. 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% 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.
Rotating Categories 5% - Discover It: - 5% cash-back for first $1500 in select quarterly categories, 1% otherwise; double Cash Back for the first 12 months, $50 sign-up bonus with a referral [link ] 5% - Chase Freedom: - $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 ] FW thread - Let's Compare - Which benefits are at 5% REBATE in the same time frame (Q4 2016)
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 ] Retailer co-branded cards Amazon.com Rewards Visa from Chase - 3% cash-back at Amazon. com. No Foreign Purchase Transaction fee. Rakuten.com formerly Buy.com Platinum Visa from Chase - 3% cash-back at Rakuten shopping formerly Buy.com. Rakuten.com formerly Buy.com Mastercard from First Bankcard - 3 points per $ at Rakuten shopping formerly Buy.com. Gap, Old 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 terminatedHooters Mastercard- 5 points w/ Hooters, 1 point elsewhere. REI Visa Up to 5% back on REI, 1% elsewhere. 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.Store Specific Cards - Amazon Store Card : Amazon Prime members get 5% CB as statement credit. No Annual Fee. Promotional financing available on select purchases up to 24 months. Usable only at Amazon. - Walmart Store Card : No Annual Fee. Free FICO Credit Score. Special Financing Offers. 5¢ per gallon Gas discount. Usable only at WalMart and Sam's Club. Special Note: online applications are for the Mastercard Version (Orange). If you fail that option then you are mailed the Store Only Version (Blue). Must apply in-store if you only want the Blue. Reward Maximization - Credit Card Tune-Up : A calculator to find the best reward credit card or combination of cards for your categorical spending profile: link, fw thread Balance Transfer Cards [l=[L=FW discussion Thread - Best Balance Transfer Credit Cards page to last page[https://www.fatwallet.com/forums/finance/902958?start=1900#bottom[/L] ] [/l] 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 Any Capital One card, especially Quicksilver Cash Rewards Any Discover card (but Discover is not accepted everywhere) Any PenFed card Any USAA card - Merrill+ - no foreign transaction fee, Smart Chip, no annual fee Barclays cards support chip+PIN for unattended terminals. Northrop Grumman FCU; No foreign transaction fee and Chip & PIN (signature default) card. 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 thread2% 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 customersChanged 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. 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] DEAD for new customers 1 ThankYou point per $1 spent everywhere - Citi Forward Visa (Note: It has been confirmed here Citi Forward and Citi mtvU ThankYou point program is much worse than other ThankYou program which all manage by ThankYou.com. Don't have any good 1 TY point to 1 cent reward. To get better rewards, make sure you have a no annual fee ThankYou MasterCard.) Link Dead. Visa card program may be terminated https://www.awardscatalog.com/redirect/boa/mbvisa/landingpage.cfm 5 pt/$ spent @ M.B. dealerships and on merchandise.
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Senior Member - 4K
posted: Mar. 10, 2007 @ 2:32a
you forgot the 'helly kitty' card for fringe benefits...
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.
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
I modified the quick summary to include a link to a new 0%/low APR thread started recently by markber. That should satisfy the desire to have access to BT cards, but keep OP's desire to keep 0% offers elsewhere.
The information on that web is so scewed it not even funny. Plus that webpage is referal program does not work. I am sure there is a reason he picked the cards he did. I am sure discover pays the highest commsion from sign up bonus followed by advanta which is why he threw in $50 of office supplies a month in his budget LOL who hell spends $600 for office supplies for there personal use.
He picked the worst Chase card. He gave Citibank 5X TY point card in EDS a worse score than Gas Discover which is a tired reward program which only pays 5% on Gas and biggest expensive by almost 3X anything else is Supermarkets. Then he compared only lowest redemtion levels which some cards only redemtion levels over 5000 points are at 1:1 while others start with as little as 2500 points.
Citibank Diamond cards should have blown everyone else out of the water more than 33% of all charges would fit in 5% EDS stuff should have been 2nd only to ATT card which adds bonus on ATT services on top of the EDS places. He picked chases 1:1 card except Chase still offers freedom card on there web page which is 3:1 in EDS. AMEX always have 2:1 promo on there charges 2X a year in april till july at markets/gas station if they do same as last year and double points on everything for Nov-Dec.
No Idea how he calculated discover gas card as I get less than $12 because between 0-3000 in non gas charges you are only getting 0.25% Cash Back bonus and above $3000 you getting 1%. He got 679 of non gas purchase per month so that is $8148 a year which equals $5.14+0.75+5.40(gas bonus)=$11.29 yearly bonus and not 19.07 he got unless he counting insurance and car rentals as 5% which they dont also plus did not take into account the fact Discover pays 0.25% for first 3K in non gas purchases.
1.25% Penfed: no caps, no tiers, monthly credits, plus 5% gas ca$h back
What does the 1.25% refer to?
I assume that Penfed requires some qualification for membership that I don't have, but I the 1.25 seemed to low to be an APR.
1.25% is the reward for that card, %5 on gas, 1.25% for everything else. Yes, penfed is a credit union so there are membership requirements, but there are orginizations you can join to qualify for membership, os in effect is open to everyone.
ccrebater said: Don't forget the Advanta Business Rewards card. 5% Cash Back on gasoline, office supplies, utilities, computer equipment, cell phones and Internet services, and 1% on all other purchases.
As far as I know, you can no longer apply for the flat 5% Cash Back card (cardoffers.com is out of date I think). The new one may have a tier that reaches 5% but I believe it is only after you have purchased tends of thousands of dollars at lower tiers and then it is capped before the next spending tier goes down again.
Discontinued cards are the enemy of making this thread useful.
However, if you meant the new tiered card and feel like you can accurately describe the tiers, feel free to add it to the quick summary.
ccrebater said: Don't forget the Advanta Business Rewards card. 5% Cash Back on gasoline, office supplies, utilities, computer equipment, cell phones and Internet services, and 1% on all other purchases.
You mean this?
From "ADVANTA PLATINUM BUSINESS CARD TERMS AND CONDITIONS"
Cash Back rewards are also earned on the Bonus categories of "gasoline and diesel fuel," "computers, computer supplies, electronics and office supplies," and "utilities and telecommunications." Cash Back rewards on Bonus category qualifying purchases are earned as follows: 1.00% on up to $20,000 in purchases; 2.00% on purchases between $20,001 and $30,000; 5.00% on purchases between $30,001 and $50,000; and 0.50% on purchases over $50,000.
OK, first post for me, so please be nice. I've searched for this but can't seem to find. How about adding info on what credit score is needed to obtain each of these cards? Some of us are still working on building ours up.
JW10 said: What was the attraction and terms of the UMB card? http://www.doctorofcredit.com/umb-simply-rewards-visa-credit-car... i am not into bonuses... But maybe I should be. Plus I don't fly. Plus supposedly this one is hard to get so before I start trying to get better cash back I wanted this one. I am new to this type of thing so I am dipping my toe into MS. We will see.
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