Credit Card Deals

[dealonfire]

First, don't be mislead by those ads offering "upto 5%" "upto 10%" "upto 2%" cash back.. For all purchases, You should be able to get 1%-1.5% cash back, for gas purchases you should look for a card that offers 3% back or more. Some of the offer offer higher rebate % if you carry a balance. However, the interest you pay will likely be much higher than 1 or 2% benefit you get from the additional cash rebate. so

The AMEX blue cash card is a good cash rebate card for people who spend $13000 or more per year. Because the top rebate tier is 1.5% cash back.(starts after annual spend reaches $7000+) If you can charge $24000 a year, your total rebate is about $300.

If you spend less than $13000 a year, a flat 1% cash rebate card will earn more cash rebates. A good choice is the chase perfect card--a gas rebate card with 1% back on all purchases and 3% back on any gasoline purchase.

any then.. there is the new discover with cashback bonus plus card, a very good gas rebate card. with a reverse tier rebate structure:
First $1500 in gas purchase earn 5% back, next $1500 earn 3%, ..so on. This would be a good card, if you spend less than $120 on gas each month.

 

[bman46]

great!

 

[Pardus]

american express has a option called private payments, basically they let you use a different credit card number for any transaction, its very helpful when placing a order over the internet for security.

now they are ending that plan april 15th, its the only reason i'm using there card.. does anyone know of a another cc that offers a similar option.

 

[DigitalDiscord]

Discover has Discover Desktop

Discover Deskshop®?Smarter Online Shopping with a New Level of Internet Security

? Generates Single-Use Card Numbers for your online purchases, and doesn't reveal your actual Discover® Card Account number

? Fills online checkout forms

 

[agent2099]

Originally posted by: ActiveX
american express has a option called private payments, basically they let you use a different credit card number for any transaction, its very helpful when placing a order over the internet for security.

now they are ending that plan april 15th, its the only reason i'm using there card.. does anyone know of a another cc that offers a similar option.

I think Mastercard has the one time use CC genration.


Basically everyone but VISA.

 

[gopunk]

i just got the citi diamond rewards card... haven't seen it beat by any in this thread so far

the platinum dividend one is nice, but you have to save up 100 before they send it to you. plus you get 5000 points with your first purchase with the diamond rewards... that's 50 bucks right there. plus 10% off gift certificates. you get 5 points for gas, groceries, drugs too

 

[mugs]

Ah dang it... I just sent in an application for a Discover Platinum card... Now I see this Citi card and the Amazon.com card that would both be pretty nice. How many credit cards is "too many?" (from a credit score perspective) I have one right now, plus the Discover card I just applied for... I suppose I could cancel the Discover card after a couple of months and apply for the other two.

 

[breweyez]

bump for a great thread

 

[LS20]

these are only my opinions, so take them with a grain of salt:

i have a visa, mc, and discover... i found that for rewards and cashback % and whatnot..theyre pretty much all even... customer service has been terrific from all... and dont they all have zero liability anyways? APR is notwithstanding... i dont carry balances

i dont think most ppl will notice a diff between most of these. my card of choice, tho, is the MBNA Platinum Plus Mastercard Worldpoints Rewards...

1. Mastercard has them most benefits, over Visa, and then Discover (rental car insurance, travel life insurance, etc)
2. Instant posting of temporary authorizations (my visa & disc does not do this)
3. One-time use # generation (i believe AMEX & some other MC does this, too)
4. Flexible rewards (redeem cash or travel or prizes... obviously cash is best, as the cash equivalent of the others are lower... tho its nice to have a choice)

i havent found another card with the same combination of features... perhaps citibank might offer one. but anyways, i dont really care, as i reinstate that any other card would do fine for me

 

[ineedacomputer]

thanks i was asking today about this good timing

 

[micnn]

Originally posted by: ActiveX
american express has a option called private payments, basically they let you use a different credit card number for any transaction, its very helpful when placing a order over the internet for security.

now they are ending that plan april 15th, its the only reason i'm using there card.. does anyone know of a another cc that offers a similar option.

Citi US card...

 

[ineedacomputer]

which credit cards do you think are best for travel miles
nobody has mentioned those are they no good???
somebody told me you gotta pay like 50 bucks just to have the miles count true?

 

[oslama]

Which CC has best rate on bal transfers. I want to consolidate 4 CC's into 1.

 

[BrunoPuntzJones]

I have an application sitting here for a Bank of America: Visa Platinum card.

0% transfers and 0% APR till Nov., then a fixed APR of 6.9%

Lower than most cards I've seen. I don't carry a balance normally, so not the card for me.

 

[Growltiger]

FWIW, bankrate.com has a decent consolidated list of credit cards ranging from low rates to special offers. Bestcard.com has a similar listing, as well. Just be conscious of the fact that both sites use referral links.
:frown:

 

[m0ssie]

I use a AAA Visa for 5% off gas purchases at the pump.

And GM Mastercard for 5% rebate toward a new GM, which I buy every 5-6 years for up to $3,000 additional off.

 

[gently]

two prospects to bear in mind:

Airline mileage cards mostly have annual fees, but Delta Amex frequently has a promotion for first year free -- and the last time I tried it they had a 10,000 mile bonus after first usage -- very handy if you're in Delta country !

With so many generous offers (bankers are so selfless and considerate) floating around, you can get immediate gratification, rather than waiting 6 months to accumulate 2,500 point to get some award ...

The current push to promote cards with free bonuses upfront is not likely to last forever, so jump on the ones that work for you. I just signed-up for a Microcenter card (in-store) and should get $50 free store credit. LL Bean has various deals, but the best seems to require a code (illegal to post here) that seems to be a standard insert in their catalog ... so find anyone with a catalog and get a nice bonus just for signing-up. Both of these cards have a % back, too, but the upfront bonus is the real hook.

Just remember, they *love* for you to get your check in a day late, hit you with a $30 fee, and bounce your interest rate up like crazy. Consider these deals like rebates -- they require a bit of attention to make sure you don't get burned.

 

[dealonfire]

Originally posted by: ineedacomputer
which credit cards do you think are best for travel miles
nobody has mentioned those are they no good???
somebody told me you gotta pay like 50 bucks just to have the miles count true?

ALL of the 1 mile-per-dollar-spent airline mile credit cards have annual fees. However, there is usually a large sum of bonus miles for signing up one of these cards.

Depend on how much you spend per year, you can decide how much annual fee is reasonable for you. The annual fee range from $30 to $45-60 to $85-$125.

It also depend on which airline's mileage program you choose. The top a few mileage program are United, Delta, American, and others.

However, there is an excellent "mileage" card with only $30 annual fee and with the first year's annual fee waived!

This card is .. the American Express Starwood Credit card!

You earn 1 point per dollar spent and they can be transferrered 1 to 1 to just about all of major airline mileage programs. And, even better you will get 5000 miles bonus whenever you transfer 20000 points. That means basically 1.25 miles per dollar spent! avg value of miles is around 1.5 cents.. that gets you around 1.85% back!

In fact, most frequent flyers consider this card as the best mileage card. you should take a look this post for more info on this card

 

[elanarchist]

Originally posted by: LS20
these are only my opinions, so take them with a grain of salt:

i have a visa, mc, and discover... i found that for rewards and cashback % and whatnot..theyre pretty much all even... customer service has been terrific from all... and dont they all have zero liability anyways? APR is notwithstanding... i dont carry balances

i dont think most ppl will notice a diff between most of these. my card of choice, tho, is the MBNA Platinum Plus Mastercard Worldpoints Rewards...

1. Mastercard has them most benefits, over Visa, and then Discover (rental car insurance, travel life insurance, etc)
2. Instant posting of temporary authorizations (my visa & disc does not do this)
3. One-time use # generation (i believe AMEX & some other MC does this, too)
4. Flexible rewards (redeem cash or travel or prizes... obviously cash is best, as the cash equivalent of the others are lower... tho its nice to have a choice)

i havent found another card with the same combination of features... perhaps citibank might offer one. but anyways, i dont really care, as i reinstate that any other card would do fine for me

This looks like a good option - the best part for those who travel outside the US is that MBNA doesn't tack on an additional 2% currency transaction fee like Citibank, Chase, AMEX, and many many others. In fact, the only other CC company I know of that doesn't tack on another 2% is BofA.

 

[rs]

For those who own a small business, Advanta Bank's business platinum Mastercard pays up to 2% cash back on all purchases (the more you spend the higher the cash back), in the form of a check mailed at the end of the year, with no maximum rebate. (Or at least this was the deal about a year ago; haven't checked the site recently.) By far the best deal I've found if you can hit the 2% threshold.

And I'll second the recommendation for MBNA's AAA Mastercard, which deducts 5% right off the monthly bill on all gasoline purchases as long as you swipe the card at the pump.

 

[Bot69]

Originally posted by: LS20
these are only my opinions, so take them with a grain of salt:

i have a visa, mc, and discover... i found that for rewards and cashback % and whatnot..theyre pretty much all even... customer service has been terrific from all... and dont they all have zero liability anyways? APR is notwithstanding... i dont carry balances

i dont think most ppl will notice a diff between most of these. my card of choice, tho, is the MBNA Platinum Plus Mastercard Worldpoints Rewards...

1. Mastercard has them most benefits, over Visa, and then Discover (rental car insurance, travel life insurance, etc)
2. Instant posting of temporary authorizations (my visa & disc does not do this)
3. One-time use # generation (i believe AMEX & some other MC does this, too)
4. Flexible rewards (redeem cash or travel or prizes... obviously cash is best, as the cash equivalent of the others are lower... tho its nice to have a choice)

i havent found another card with the same combination of features... perhaps citibank might offer one. but anyways, i dont really care, as i reinstate that any other card would do fine for me

cash reward looks like it's only 0.8%. is this correct?

 

[randomlinh]

Originally posted by: elanarchist
This looks like a good option - the best part for those who travel outside the US is that MBNA doesn't tack on an additional 2% currency transaction fee like Citibank, Chase, AMEX, and many many others. In fact, the only other CC company I know of that doesn't tack on another 2% is BofA.

Interesting.. i never got tacked 2% when I was in Japan...

 

[Linux2003]

This is exactly what I needed to know. I need a new card with rewards for my vacation later this year.

 

[Krutoy]

Few things;
The Radioshack card gives $20 or 10% first time purchase if opened in the store.
Another reward card that wasn't listed is the Sony card, it used to be from citibank but now bankone took over. 1 Sony point for normal purchases 3 for Sony products. You can redeem those whenever towards any Sony product you buy, can be any store.
Citibank offers one time credit card numbers for internet transactions, they have nice features like maximum amount, or a card for a single merchant that can be used several times.
MBNA is nice because they show the merchant name on pending transactions.
I just signed up for the Citibank Divident Platinum select because they seem to have the best overall rewards. Only limitation is the rewards are maximum $300 annually which suits me, but could be less useful for the bigger spenders out there.

 

[LS20]

Originally posted by: Bot69

Originally posted by: LS20
these are only my opinions, so take them with a grain of salt:

i have a visa, mc, and discover... i found that for rewards and cashback % and whatnot..theyre pretty much all even... customer service has been terrific from all... and dont they all have zero liability anyways? APR is notwithstanding... i dont carry balances

i dont think most ppl will notice a diff between most of these. my card of choice, tho, is the MBNA Platinum Plus Mastercard Worldpoints Rewards...

1. Mastercard has them most benefits, over Visa, and then Discover (rental car insurance, travel life insurance, etc)
2. Instant posting of temporary authorizations (my visa & disc does not do this)
3. One-time use # generation (i believe AMEX & some other MC does this, too)
4. Flexible rewards (redeem cash or travel or prizes... obviously cash is best, as the cash equivalent of the others are lower... tho its nice to have a choice)

i havent found another card with the same combination of features... perhaps citibank might offer one. but anyways, i dont really care, as i reinstate that any other card would do fine for me

cash reward looks like it's only 0.8%. is this correct?

i didnt keep track of it too carefullly..but im pretty sure its 1%... each dollar = 1 point. 25000 points = 250$, 35000 points = 350$, and so on and so forth

a small caveat about flight redemption is that you need 25,000 points minimum to start air flight redemption, and they tack on some service charges... its best if you just redeem your points into cash, and purchase the flights yourself (via yahoo travel, or expedia, or whatever)... it usually works out better

also this card has no annual charges