Deal:
Up to 5% Cash Back with Offer Removed
Offer Removed is a good basic credit card for those who do not have the credit history to get approved for some higher incentive cards. You get up to 5% cash back at supermarkets, gas stations and drugstores.Guaranteed Approval Credit Card R  Discuss (0) |
Cash Back Credit Card R Discuss (0) |
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HSBC Direct 1.45% APY Online Savings  Discuss (19) |
#1
TheKitty - Posted 8:35 am PST 12/4/07 (1456 Posts)
Only use green cash
#2
JVance - Posted 8:38 am PST 12/4/07 (1186 Posts)
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It's 1% on purchases at supermarkets, gas stations and drugstores UP TO $6,500. Anything over that gets 5% rewards on those 3 categories. You better spend a lot. Warehouse type stores don't count.
#3
mysterons - Posted 9:47 am PST 12/4/07 (29 Posts)
you also get 1.5% back on everything else if you break the $6500/yr minimum.
#4
kkwst2 - Posted 10:34 am PST 12/4/07 (24 Posts)
Yeah, I think the suggestion in the comments is opposite of what it should be. This is one of the best cards out there for someone who charges a lot, since once you get the 1.5%/5% level, there's not much out there better, unless there's some Black uber card out there for the real high rollers. I think those are more perk cards than cash back cards.
But if you only charge a few hundred dollars a month, then it's going to take you several months just to hit the $6500 level. Then the 1%/3% flat rate cards out there are probably better.
But if you only charge a few hundred dollars a month, then it's going to take you several months just to hit the $6500 level. Then the 1%/3% flat rate cards out there are probably better.
#5
lato - Posted 11:28 am PST 12/4/07 (478 Posts)
This is a good basic card, for a lot of people, that spend under $6.5K a year. But, if you go over that limit, it's a very good card. BTW, online they have a calculator so you can see what would be your annual average cash back.
#6
elroyerni - Posted 11:58 am PST 12/4/07 (176 Posts)
wonder how much referral $$ ben gets if someone signs up for this...
#7
TiffaNyTiffaNy - Posted 2:15 pm PST 12/4/07 (110 Posts)
hm but apr is like 12-13% wonder if i should get one cuz i got those pre approved things in the mail.. but i already have a rewarding (pts) credit card with lower apr
#8
mapinkerton - Posted 4:09 pm PST 12/4/07 (82 Posts)
IMO this is the best cash back card to get if you spend more than about $15-20K per year. I got back $700 last year and I'm on track for $800 this year.. it's been working out to over 2% cash back on average.
YMMV, but you can do the math or use the calculator on their website.
YMMV, but you can do the math or use the calculator on their website.
#9
Gamer007 - Posted 9:38 am PST 12/6/07 (60 Posts)
credit card deals seem to be fading...
#10
deal_girl - Posted 2:09 pm PST 12/7/07 (14 Posts)
The main advantage I see with this card, which I have, is that you don't pay the usual Amex fees yet get all the perks of having an amex card like refusing a charge very easily, just write them an email and they take it off.
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