Chase PerfectCard
Some of you mentioned the Chase PerfectCard has a good introductory offer of 6% rebate on gas purchases for 90 days, then a 3% rebate thereafter. A 1% rebate applies to any other purchase. These credits are automatically credited towards future purchases. Available in MasterCard configuration, No annual fee.
Discover® Open RoadSM Card
0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
Save at the pump and everywhere else.*
5% Cashback Bonus® on gas and auto maintenance purchases
5% to 20% Cashback Bonus at top online retailers*
Up to 1% Cashback Bonus on all other purchases
Discover® MoreSM Card
Earn more cash in more ways than anyone elseSM*
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online*
Double rewards with more than 100 Cashback Bonus Partners*
Customer Service in less than a minute, anytime you want
0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
Citi® Diamond Preferred® Rewards Card
0% APR* on balance transfers for up to 12 months
5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months; 1 point for every $1 on all other purchases
No annual fee and FREE rewards program
Citi® Identity Theft Solutions
Price Protection Program
$0 Liability on unauthorized purchases
True Earnings® Card from Costco and American Express
Earn cash back on gas and a $25 statement credit with your first purchase made with the Card!
Earn Cash Back - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.
No Annual Fee with your paid Costco Membership.
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
The flexibility to pay charges over time.
No Limit on the Cash Back earned.
Some of you mentioned the Chase PerfectCard has a good introductory offer of 6% rebate on gas purchases for 90 days, then a 3% rebate thereafter. A 1% rebate applies to any other purchase. These credits are automatically credited towards future purchases. Available in MasterCard configuration, No annual fee.Discover® Open RoadSM Card
0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers Discover® MoreSM Card
Earn more cash in more ways than anyone elseSM* Citi® Diamond Preferred® Rewards CardTrue Earnings® Card from Costco and American Express
Earn cash back on gas and a $25 statement credit with your first purchase made with the Card!Introducing Clear from American Express®  Discuss (13) |
HSBC Direct 3.00% APY Online Savings  Discuss (12) |
$100 Credit with Purchase with Preferred Rewards Gold C  Discuss (5) |
Starwood Preferred Guest® Credit Card from American Express T  Discuss (8) |
#1
mr.ed - Posted 5:18 am PDT 09/4/08 (1376 Posts)
You can change your version of the Discover card with a phone call, no reason to reapply for a different card with different rewards, and no new application to lower your credit rating.
#2
eplus12 - Posted 6:17 am PDT 09/4/08 (78 Posts)
True Earnings® Card from Costco and American Express
Best card ever, as long as you are a Costco shopper.
Best card ever, as long as you are a Costco shopper.
#3
gman2k0 - Posted 6:42 am PDT 09/4/08 (45 Posts)
What about amex? I think they are the best cards and this site agrees with me. I love their blue cash card... http://www.bacon.com
Discover cards are OK but not great. Chase I hear are easier to get compared to discover and amex.
Discover cards are OK but not great. Chase I hear are easier to get compared to discover and amex.
#4
apexi350z - Posted 6:53 am PDT 09/4/08 (214 Posts)
on the Chase Freedom card, the most you can spend to get back 3% is $600/month. So if you spend more than $600/month, it will be 1%.
#5
vanguard - Posted 7:35 am PDT 09/4/08 (221 Posts)
Actually, there's a $500 cash back yearly limit on the Costco True Earnings AmEx card.
That having been said, it's still a great card. You earn a higher percentage back if you have an Executive membership instead of the usual Gold Star, although your membership fee goes up to $100 a year.
That having been said, it's still a great card. You earn a higher percentage back if you have an Executive membership instead of the usual Gold Star, although your membership fee goes up to $100 a year.
#6
shortbus - Posted 7:37 am PDT 09/4/08 (146 Posts)
I agree with #2. Just 3% cash back on gas means about $100 back a year at my house with the True Earnings Amex Card through Costco.
#7
sgrhewitt - Posted 8:39 am PDT 09/4/08 (16 Posts)
Cash back = meh... Long 0% Intro APR/Balance Transfers is what I want.
I wish I could still get the 15 month Chase Visa 0% APR/Balance. I need it for my trip to Australia.
I wish I could still get the 15 month Chase Visa 0% APR/Balance. I need it for my trip to Australia.
#8
BubbRubb - Posted 9:25 am PDT 09/4/08 (1261 Posts)
| sgrhewitt wrote: |
| Cash back = meh... Long 0% Intro APR/Balance Transfers is what I want.
I wish I could still get the 15 month Chase Visa 0% APR/Balance. I need it for my trip to Australia. |
What you need is a job so you can afford to pay cash and not be a slave to the credit industry.
#9
flaming_goat - Posted 9:27 am PDT 09/4/08 (5 Posts)
#5 I'm pretty sure you are mixing up executive member cash back offer with the American Express cash back offers. The true earnings cash back is unlimited (according to the american express website) and you get no bonus for being an executive member. If you are an executive member, though, you do get 2% back of your Costco purchases up to $500 dollars (according to the costco website.)
#10
nuisance - Posted 9:34 am PDT 09/4/08 (6943 Posts)
| sgrhewitt wrote: |
| Cash back = meh... Long 0% Intro APR/Balance Transfers is what I want.
I wish I could still get the 15 month Chase Visa 0% APR/Balance. I need it for my trip to Australia. |
Most balance transfers come with a 3% fee. So that 0% rate is added to the 3% you pay in advance. Probably still better than the 17% you're currently paying though. I don't find the need to put many purchases on a credit card, so I also prefer low interest rates over playing the reward game.
#11
Grok - Posted 9:45 am PDT 09/4/08 (58 Posts)
The costco Amex card adds a year to the warranty of any Costco electronics (if and only if that electronic was purchased with that card).
HUGE PLUS.
HUGE PLUS.
#12
lexington01 - Posted 10:00 am PDT 09/4/08 (109 Posts)
Doesn't Costco automatically double the manufacturer's warranty on electronics? So would that void the credit card warranty? I doubt they stick it on at the end of the Costco warranty.
#13
Grok - Posted 10:08 am PDT 09/4/08 (58 Posts)
Costco's warranty on electronics is good, and I think they do sometimes double the manufacturer warranty. Picture this card this way- whatever warranty a usual shopper gets at costco by paying cash (not with the costco amex card), add one year to that warranty and that's what you would get on that electronic purchasing it at costco with this card. That's what I made sure the customer service was telling me before I went out and got my like 7th credit card [last week]. My first purchase was a new cell phone- it was the guy at the cell phone booth who told me about the benefit of this card in the first place.
Also, this card [if signed up for at costco] doubles as your costco card, and they automatically bill you for your costco membership on it yearly- so make sure to look at statements even if you are not using the card on a regular basis.
UPDATE: I called costco and this extra year is not through them, apparently its an extended warranty amex provides. Still have yet to check with amex on this. Apparently, some other cards provide you with this extra warranty too, although they don't tell you about it for obvious reasons...
Also, this card [if signed up for at costco] doubles as your costco card, and they automatically bill you for your costco membership on it yearly- so make sure to look at statements even if you are not using the card on a regular basis.
UPDATE: I called costco and this extra year is not through them, apparently its an extended warranty amex provides. Still have yet to check with amex on this. Apparently, some other cards provide you with this extra warranty too, although they don't tell you about it for obvious reasons...
#14
RandomThoughts - Posted 2:31 pm PDT 09/4/08 (179 Posts)
Ben,
This post must be preserved - I did not see one single comment that talked about anything other than the subject matter. How many such occurrences do you get?
- RT
This post must be preserved - I did not see one single comment that talked about anything other than the subject matter. How many such occurrences do you get?
- RT
#15
Grok - Posted 11:05 pm PDT 09/4/08 (58 Posts)
#14.
You 'tard.
Sorry, I'm not a flamer but you made me do it.
You 'tard.
Sorry, I'm not a flamer but you made me do it.
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