Credit Card Deals

[burr4392]

Back in 2001 we had a long thread going about the different credit cards deals available. Since I have begun to look for a new credit card, I figured that I would post the results of my search here. My search has concentrated on cards that have cash back or rewards, so other type will be lacking, however, please post other good deals/info on other types on cards. This is, of course, a partial list at best, of all of the available cards. Please add any information regarding credit card deals that you have.

I will attempt to update the list as time goes on. Enjoy!

For good sites on CC?s and such try: www.bankrate.com, and www.creditcardgoodies.com

Note: unless otherwise stated all cards earn X points per dollar spent. Also no annual fee unless noted.

Companies that offer cards:

Amazon ? Visa
Initial APR: 0% for 12 months
APR: 10.99% (Variable)
Grace Period: 20 days
Reward details: $30 coupon on first order at Amazon.com. Earn 3points on Amazon.com purchases and 1 point on all other purchases. 2500 points earns a $25 coupon code mailed to you. Zero Liability on Unauthorized Purchases.


Office Depot ? Chase Visa
Initial APR: 0% for 9 months
APR: 10.99% and up
Grace Period: 20 days
Reward details: 2% back on all purchases during the first 2 months, thereafter 2% back on office depot purchases and 1% on all other purchases.


Radio Shack ? Mastercard
Initial APR: 9.9%, 0% on balance transfers & cash adv. checks
APR: 9.9%
Grace Period: 25 days
Reward details: $15 gift card if used within the first 90 days. Purchases earn 2 points at participating Radio Shacks and 1 point on all other purchases. 1500 points can be redeemed for a $15 gift card.


Ebay ? Mastercard
Initial APR: 0% (on balance transfers only)
APR: 9-24%
Grace Period:25 days
Reward details: Must join the Ebay Anything Points Program. Earn 1 point on all purchases. Each point is worth $.01. Points can be applied to purchases paid for using paypal only.


Buy.com ? Visa
Initial APR: 0% 6 months
APR: 8.9% and up
Grace Period: 20 days
Reward details: Earn 3% back at Buy.com and 1% elsewhere. Rewards sent from buy.com. Zero Liability on Unauthorized Purchases.


Target ? Visa
Initial APR: 9.9% - 18.9%
APR: 9.9% - 18.9%
Grace Period: 25 days
Reward details: 10% all purchases on the first day (apply in store). 1% of purchases go are donated to school of your choice. Also earn 1 point per dollar spent at target. When you reach 1000 points you get 10% for one day of shopping.


Cash back cards

American Express Blue Cash
Initial APR: 0% for 6months
APR: 8.99%, 10.99% or 13.99% depending on credit
Grace Period: 20 days
Reward details: Tiered cash back program. .5% up to $2K, 2% up to $6K, 3% $6K and up on ?everyday purchases? (supermarkets, gas, drugstores & home improvement) half of the stated rate on all other purchases. 2% bonus if you carry a balance (on the ?everyday purchases?) .5% on everything else.


Chase I-card - Mastercard
Initial APR: 2.99%
APR: 8.49 ? 17.49% depending on balances & credit
Grace Period: 20 days
Reward details: 1% back on everything. Rewards redeemable through www.webcertificate.com


Chase Cashbuilder - Mastercard
Initial APR: 8.99 ? 18.99%
APR: 8.99 ? 18.99%
Grace Period: 20 days
Reward details: 2% back if you carry a balance of over $500, otherwise 1%. Actual % back depends upon annual spending (above $6K yields full amount possible). Maximum of $500.


Discover Classic
Initial APR: 0% for 12 months on balance transfers only, otherwise 15.99%
APR:15.99%
Grace Period: 25 days
Reward details: up to 2% back. Can accumulate and be used later.


Bank One CashIn ? Visa
Initial APR: 0% for 6 months
APR: 9.9% and up
Grace Period: 20 days
Reward details: Earn 1% back on all purchases. Checks are sent once the $25 point is reached. Zero Liability on Unauthorized Purchases.


National City CashBuilder ?Visa
Initial APR: 9.9%
APR: 9.9%
Grace Period: 20 days
Reward details: .5% back up to $2K per year, 1% back up to $40K, and 2% back over $40K per year. Maximum cash back $1000.


Citi Dividend Platinum Select - Mastercard
Initial APR: 0% 9 months (Balance transfers only)
APR: 9.99%
Grace Period: 20 days
Reward details: 5% (Yes a Full 5%) back on purchases at supermarkets, gas stations, and drugstores and 1% on all other purchases, a maximum of $300 back per year. Also $0 liability on unauthorized purchases. Photocard option.


If any of the above information is incorrect please help me correct it!

Updates:

Radioshack has an instore deal where you can get $20 off of a purchase of $40 or more if you sign up for their card. They will also send one $15 GC with the physical card. Thanks to 'transitive' for the info!

From DJ Fuji:
'For all those who have the citi dividend platinum select card already, you won't get your 5% bonus unless you call them and ask them for it. It's a promotional thing, so they generally only give it to new customers. But i just called and they said they'd put in a request for it and notify me via mail if it was approved. The rep said that it generally gets approved because the company decided that they'd honor the 5% for all customers who ask for it. ' Thanks DJ!

Update: It appears that YMMV on this one...

From Viewlike:
Excellent CC comparison site: Credit Card Comparison

 

[EXman]

oh I need this post baby!

 

[richc7]

thanks for the info

 

[serialb]

Any info on balance transfer? I wouldn't mind getting a few bucks from my high debt...

 

[tjmjr]

Speaking of credit card deals check this one out. Get a free Dell Dimension 2400.
Link

Only one catch you have to transfer a min. of $4000 to get it & keep a $3000 min. balance for 18 months

 

[Souka]

I like my USAA Mastercard... %1 taken off entire credit card bill....every month..... (note: Only military vets and direct family can get one) APR is like 10-12% fixed I think, but I always pay credit cards on-time so who cares about APR. I still have a SEARS credit card that is like %20 APR...never use it.



Unlike many others, the USAA has no points, no coupons, no gift cards.....just real cash taken off monthly bill. I never liked the idea of points and gift-checks which are only valid on their items....lame....



Another card I have is an REI Visa.... %1 check paid out at end of year, also only form of payment beisdes check and cash at REI that gives you 8-12% back on all purchases...paid at end of year.


I only use my REI card now and then when I max out my USAA card's $20k limit on business expenses.....

 

[edplayer]

is the Citi Dividend Platinum Select - Mastercard listing correct?

"Reward details: 5% back on purchases at supermarkets, gas stations, and drugstores and ..."

is that supposed to be 5% or 0.5%?

 

[3Wagon]

Any opinions on Visa signature vs. Visa platinum? I got an offer to upgrade but haven't seen any posts on people using the Visa Signature card. Seems like a good deal - no preset limit but not sure what the deal is.

 

[Bot69]

Great info. Thx OP. If I get denied for a Amazon Visa card, I will try my luck with Office Depot.

 

[agent2099]

Originally posted by: edplayer
is the Citi Dividend Platinum Select - Mastercard listing correct?

"Reward details: 5% back on purchases at supermarkets, gas stations, and drugstores and ..."

is that supposed to be 5% or 0.5%?

Yeah that sounds too good to be true doesn't it!



5% off for gas and groceries?!!!!! :Q

 

[TrentSteel]

Originally posted by: Souka
I like my USAA Mastercard... %1 taken off entire credit card bill....every month..... (note: Only military vets and direct family can get one) ....

Do you know where I can get more info on this? My dad was drafted during the Vietnam war, discharged honorably, so I assume I qualify as his son.

Thanks.

edit: oops, formatting.

 

[huesmann]

1-800-365-USAA (8722)

 

[weepul]

nice compilation. i saw a similar compilation on B$ awhile ago.

//krunk (^_^x)

 

[Scarpozzi]

Originally posted by: serialb
Any info on balance transfer? I wouldn't mind getting a few bucks from my high debt...

Get a Amex Blue card and you'll get plenty of balance transfer checks. When you transfer your balance, I think they charge a 9.9% APR thereafter. It might save you 1% or so off your other cards if you're trying to consolidate.

 

[MonkeyWithAnUZI]

Originally posted by: Souka
I like my USAA Mastercard... %1 taken off entire credit card bill....every month..... (note: Only military vets and direct family can get one) APR is like 10-12% fixed I think, but I always pay credit cards on-time so who cares about APR. I still have a SEARS credit card that is like %20 APR...never use it.



Unlike many others, the USAA has no points, no coupons, no gift cards.....just real cash taken off monthly bill. I never liked the idea of points and gift-checks which are only valid on their items....lame....



Another card I have is an REI Visa.... %1 check paid out at end of year, also only form of payment beisdes check and cash at REI that gives you 8-12% back on all purchases...paid at end of year.


I only use my REI card now and then when I max out my USAA card's $20k limit on business expenses.....

I have a military friend who has a USAA card...and he won't leave it for anything. Had a weird purchase from a French lingerie store (in Paris, he lives in Okinawa...you do the math )...they calledcalled him to confirm the purchase, as it was in-store, and quite out of his ability to do, considering he'd just made a purchase at the local PX.

I've never heard of another credit card company doing that...wish I was in the military.

My Uncle bounces between these 0% cards, and enjoyed the no-interest on the Amazon...very good. No problems at all.

 

[Growltiger]

Originally posted by: agent2099

Originally posted by: edplayer
is the Citi Dividend Platinum Select - Mastercard listing correct?

"Reward details: 5% back on purchases at supermarkets, gas stations, and drugstores and ..."

is that supposed to be 5% or 0.5%?

Yeah that sounds too good to be true doesn't it!



5% off for gas and groceries?!!!!! :Q

Unfortunately, the check is only issued when you obtain hit $100 in cash back.

 

[AgentZap]

Chase Freedom Mastercard

5% on Gas
1% on everything else

 

[Draknor]

Yahoo! Visa (click on the "Apply for a credit card" link on the lower left menu)

I've had this card for a few years now. You earn 2 Yahoo points/$ on purchases made via Yahoo Shopping, 1/$ everywhere else. Points are redeemable at Yahoo Points (at the "exchange rate" of 1000 pts = $10 value). The only two worthwhile options are donating to charity or getting gift certificates at GiftCertificates.com (which you can then redeem for gift certificates on hundreds of online stores, including Amazon, OD, & many others).

This has actually worked well for me, b/c the gc's make great free Christmas gifts! (if you charge enough throughout the year, that is!)

Looks like the current offers are:
0% intro APR for 6 months
8.9% APR after that
No annual fee
100% online protection

Just as a side note - last year I called and asked them to lower my interest rate, and I got a 7.9% APR, which they have repeatedly told me is the lowest they offer on a no annual fee account. So, once you've had the card a little while you may be able to drop that 8.9% even lower!

 

[superHARD]

Originally posted by: richc7
thanks for the info

What he said

 

[M4tth3wV]

Anyone have experience with the AMEX Blue?,, like are there enough stores that accept it?

I've been thinking of getting one for awhile but looking for better deal. I keep coming back to the Blue cuz of the looks

 

[skeptic]

Originally posted by: Growltiger

Originally posted by: agent2099

Originally posted by: edplayer
is the Citi Dividend Platinum Select - Mastercard listing correct?

"Reward details: 5% back on purchases at supermarkets, gas stations, and drugstores and ..."

is that supposed to be 5% or 0.5%?

Yeah that sounds too good to be true doesn't it!



5% off for gas and groceries?!!!!! :Q

Unfortunately, the check is only issued when you obtain hit $100 in cash back.

Thats not bad at all. You only need to spend $2000 bucks (do that in my sleep lol). I have the Amazon card and I am loving it. Only had it for 3 months and allready got back $75, and the certificates they give you dont expire till 2006. I put every single bill I have on that card. I even use it when I go to McDonald's, I feel dumb when I do it but it adds up .

I have been looking at this dividend card for a while and I may just jump on this. I might just give up my amazon card since im only really getting %1 on my non-Amazon purchases and I could get actual cash from the dividend card which I could use anywhere. My only problem with this dividend card is the $300 dollar reward limit.

 

[Growltiger]

Originally posted by: skeptic


Thats not bad at all. You only need to spend $2000 bucks (do that in my sleep lol). I have the Amazon card and I am loving it. Only had it for 3 months and allready got back $75, and the certificates they give you dont expire till 2006. I put every single bill I have on that card. I even use it when I go to McDonald's, I feel dumb when I do it but it adds up .

I have been looking at this dividend card for a while and I may just jump on this. I might just give up my amazon card since im only really getting %1 on my non-Amazon purchases and I could get actual cash from the dividend card which I could use anywhere. My only problem with this dividend card is the $300 dollar reward limit.

I didn't know that they expire in 2006, so that isn't such a bad deal. I might as well give up my Citi Smart card since it really hasn't given me anything special except a smart card reader I never use.

 

[Hork]

Thanks for this thread. I'm looking for a credit card to use to consolidate a small amount of existing debt.

I'm eligible for USAA, so I'll check that out.

Both my parents taught Accounting at the local University. I rebelled and became an engineer. Now I'm a FINANCIAL MORON!

I'm looking for the best card for someone that doesn't like to maintain debt, uses the card only occasionally, but shops on the internet frequently. I'm looking to transfer existing small debts to this card.

Would welcome any advice as to which card I should use! Thanks!

 

[MonkeyK]

I have a CitiBank Drivers Edge card.

The value of this card had decreased over time, but it is still pretty good:
2% on all purchases
to a max of $500/year
good for 4 years
accumulated value has to be applied to a car... But get this, it can be a USED car!


used to be that it accumulated for seven years

and before that it was 5% on all purchases, but you could only apply the accumulated value to a new Ford (wich worked out great for me since my dad worked for Ford and I could get the cars at the dealers cost).

 

[weepul]

i currently use the chase icard for 1% webcertificate every $10 reward accumulated.
the chase perfect card is a better choice where 1% of every month's bill is refunded on the bill.

//krunk (^_^x)