Credit Card Hot Deals

[armando416]

<<

<< No doubt that the Blue is a great card, but you have to have nearly a perfect credit history to get one. Cap 1 can approve almost anyone with some kind of card. The other big advantage is that Visa is almost universally accepted. >>



I think the Blue card is not as hard to get as it used to be.
When the blue card first came out, very few people were able to get it. It's not the case now.

the blue card is almost 2 years old, and it's quite a success for amex. >>



It depends what you define as a "success". Sure, a lot of people have and use the card, but I also think they are losing tons of money (because of people like me....run up $6000 in charges for the 6-mo 0% period, and then pay off the balance as soon as the intro period ended)

 

[WhatDorks]

bump

 

[Emulex]

anyone using the citibank AAdvantage debit card?

 

[GooberPHX420]

<< Discover, gives $35.00 when applying for the Platinum Discover Card (link can be found on coupon sites) + 0% Intro APR + Up to 2% Cash Back.

Steve >>



Discover card sux bro. I used to telemarket for them, selling cards. Discover has nearly the worst interest rates and they have 22.99% Cash Advance rates

 

[CaseyAZ]

I am fairly happy with my Citi Platinum Select Card. I have had the card for about a year and the interest rate is currently 6.65%, but it's variable (Prime + 1.9%). They also recently sent me a 5.9% transfer offer until the balance is payed off with a line increase. I haven't had to deal with customer service since I got the card, so I can't comment on that. I don't know if there are any benifits to the card but it really isn't an issue to me.

When I see cards that are 19.99% variable I have to laugh because the economy is terrible right now and that thing is going to go sky high when the economy gets going.

 

[dealonfire]

<< Discover, gives $35.00 when applying for the Platinum Discover Card (link can be found on coupon sites) + 0% Intro APR + Up to 2% Cash Back. >>



Discover card do not give you 2% cash back. you get only 1%. 2% only if you spend them at some selected stores. also there are fewer places accepting discover card.

again, the best cash rebate card, is still the Juniper Cash Rebate Mastercard which you can use at lots more places. and they give you real 2% cash back.

 

[BillRubin]

<< anyone using the citibank AAdvantage debit card? >>


I'm not using it but I noticed that the basic card only gives you 1 mile for every $2 spent. Are the other airline mile debit cards like that as well?

Bill

 

[KATX]

<< again, the best cash rebate card, is still the Juniper Cash Rebate Mastercard which you can use at lots more places. and they give you real 2% cash back. >>



Juniper is not a 2% cashback, real or otherwise. It is "up to" 2%.

 

[MitzEclipse]

Fleet also has 2% cash back; up to $500 if you spend > 6k/year.

Does anyone know if there is a VISA out there that makes "private payment" numbers? (like American Express and Discover Card)?

Thanks

 

[dealonfire]

Fleet is most definitely not 2% cash rebate.
1% rebate begins when spending reaches $6000, and you will only get to 2% for the amount you don't pay off and carry the balance!

Similar case for the Amex cash rebate card, the max. rebate is really 1.5%, you get 0.5% more if you carry a balance

Juniper doesn't require you to carry any balance to get the 2% cash rebate tier.

1% cash rebate begins as soon as $2000, and 2% begins when $10000 spent. get some additional cards for your family, you together should reach $10000 plus easily..

Juniper is the best out there right now.

 

[KATX]

<< Juniper doesn't require you to carry any balance to get the 2% cash rebate tier.

1% cash rebate begins as soon as $2000, and 2% begins when $10000 spent. get some additional cards for your family, you together should reach $10000 plus easily..

Juniper is the best out there right now. >>



This simply is not true. Amoco Visa gives you 2% (not UP TO 2%) rebate. The only limitation is that you can use their rebate to buy only gas and given the nature of life in America I consider gas rebate the closest one can get to cash.

 

[manly]

<< I am fairly happy with my Citi Platinum Select Card. I have had the card for about a year and the interest rate is currently 6.65%, but it's variable (Prime + 1.9%). They also recently sent me a 5.9% transfer offer until the balance is payed off with a line increase. I haven't had to deal with customer service since I got the card, so I can't comment on that. I don't know if there are any benifits to the card but it really isn't an issue to me.
>>



That's an insane interest rate you have. Where do I sell my soul to get the same rate?

 

[richa65]

Amoco Visa limits you to $70 in rewards per year. I would burn the card out in one month.

I'll take the $500 cash from Juniper.

 

[KATX]

<< Amoco Visa limits you to $70 in rewards per year. I would burn the card out in one month.

I'll take the $500 cash from Juniper. >>



I am sorry. I thought we were discussing the "best" card in general and not the best card for you.

But seriously: my point is made by your mentioning that Amoco is limited to $70 rebate. In the same vein, Juniper is NOT a 2% rebate card, definitely not a "real" 2% rebate card (thoug I cannot remember who claimed that).

 

[dealonfire]

<< anyone using the citibank AAdvantage debit card? >>



DON'T bother with that offer. They say the offer 4000 bonus miles upon sign up, but the annual fee is $65! there is another option, the annual fee is $25 but only 2000 bonus miles. also you only earn 1 miles per 2 dollar spent! and you have to use the debit card as a CREDIT card to earn miles, means to take money out of your bank account with ATM will not earn you miles

If you really want a aadvantage card that earn you miles, just get the Citibank AAdavatage credit card, annual fee $50, you get 5000 bonus miles upon sign up. that is the one I am using. and I am using it on c2it to transfer money back and forth earning some free miles.. if you are doing that too, make sure you don't transfer more than 2000 on c2it, I have heard people got their c2it account suspended for transfering too much using c2it in order to earn miles on their credit card

as for Juniper 2% cash rebate card, it's a great credit card. has no annual fee, in my opinion it's as good as any frequent flyer mile card, it has the advantage of no annual fee and earn cash instead of miles. ok, the 2% means the highest tier is 2%. here is the cash rebate rule again:

0.25% .....on the first $1 of purchases
0.50% .....from $1,000 and up
1.00% .....from $2000 and up
2.00% .....from $10000 and up

yes, it's not straight 2%. but there is NO card that exist will give you flat 2% cash rebate. this card from juniper is the best cash rebate card on the market. if you want a cash rebate card, this is it.

 

[KATX]

<< as for Juniper 2% cash rebate card, it's a great credit card. has no annual fee, in my opinion it's as good as any frequent flyer mile card, it has the advantage of no annual fee and earn cash instead of miles. ok, the 2% means the highest tier is 2%. here is the cash rebate rule again:

0.25% .....on the first $1 of purchases
0.50% .....from $1,000 and up
1.00% .....from $2000 and up
2.00% .....from $10000 and up

yes, it's not straight 2%. but there is NO card that exist will give you flat 2% cash rebate. this card from juniper is the best cash rebate card on the market. if you want a cash rebate card, this is it. >>



1. Why is it so diffciult to say "up to 2%"????

2. Others have said that Discover also gives up to 2%.

3. With Juniper if your annual purchace is $10,000, you get $87.50. That is considerably less than 1%. Even if you spend $20,000, your rebate is still less than 1.5%.

 

[richa65]

Katz, I think we've got your point now. Get a life.

As for Juniper, they have taken down the application site for their cash back card. I just called and asked, the csr told me that if you apply over the phone and ask for the cash back card, you can get it. Otherwise, no dice.

 

[AmdisGreat]

Here is the link for the Bank of America Platinum Check Card. They have mentioned the Low Price Guarantee on this page.
http://www.bankofamerica.com/checkcard/index.cfm?template=chkcard_plat.cfm
Bank of America Platinum Check Card

 

[MitzEclipse]

that bofa platinum card doesn't work if you're WA. I checked CA and you do have a low price guarentee.

 

[MitzEclipse]

Anyone know if there's a VISA card that makes "private payments" like Amex?

 

[debvlad]

It is amazing, but even when I was a student, my wife and I had no problems getting credit cards. We had a few of them in our lifetime. Stay away from Fleet - very poor customer service with disputes,etc.

First USA/Firstcard/Bank 1 is the biggest US credit card issuer. With the exception of FirstUSA/Netbank smart VISA: (5% cash back at select merchants) they are pretty much wothless, though. My wife worked for that company - I know! Their customer service is one of the best IMHO. We actually have 2 CC accounts with them (for over 6 years) and will continue to keep them. It is 9.99% but we TRY to pay it off every month, so interest rate is irrelevant.

I had no problems getting AMEX blue - greatest card I have owned due to their pricematching. Got a $100 check on a digicam purchase just this year - try this with a 1 or 2% rebate (you would have to spend 10 grand for this.

I have never had any problems getting a new credit card with a 0% promo rate for 6-12 months, even though our total household income never exceeded $25,000/year. With these promo rate credit cards I just "recycle" the balances, transferring them to the next 0% card and cancelling the previous one.

Citi Bank CC is good - we got just the regular one, but with 0% on balance tranfers for a year - works for me!

Right now we have 5 CC accounts and I am trimming it down to 3:
FirstUSA
AMEX Blue
Citi

it is of a great benefit to have 3+ CC because you can juggle the balances if you get in a jam, having one card always paid off. thus, saving on interest. you can never AVOID paying interest (unless you are Bill Gates), but you can greatly minimize it. The key is - discipline.

Remember, CC is a GREAT way of payment, NOT BORROWING. Your name (read - Credit History) is MUCH more important than money itself. Banks will pay you to borrow money from them IF you keep a good name.

 

[MitzEclipse]

I just checked the juniper.com website and they are not offering a 2% cash back card anymore... odd.

I have a fleet titanium card, cash back, and I haven't had a problem with them yet. They're ranked #2 on the gomez site for customer satisfaction, so they must be doing something right.

I also like their webinterface because you can see the city/state/country that the transactions came from. with my BofA card, you can't do that unless you call them... very annoying!

 

[bjhorrell]

What do peole think of the Farm Bureau credit card? If you spen $35,000 over 3 years it is a TRUE 2% cash back.
Why does everyone keep saying that the Juniper Cash Rebate Card is the best? It looks to me that the farm Bureau is a better deal.

Any comments.

 

[RossMAN]

<< What do peole think of the Farm Bureau credit card? If you spen $35,000 over 3 years it is a TRUE 2% cash back.
Why does everyone keep saying that the Juniper Cash Rebate Card is the best? It looks to me that the farm Bureau is a better deal.

Any comments. >>



If I spent $35k over 3 years that would be great but I average about $600/month which is about $21,600 over 3 years.

For now I'm happy with my straight 1% from CitiBank but might check out that student cc and Juniper. I just HATE the stupid tier pricing most cc's use.

 

[MitzEclipse]

Glad this thread keeps popping up to the top where it should be.

I'm still using Fleet because so far I've had no problems. It's a cash back rewards card with (up to 2%) back, but guaranteed 1% if you spend > $6k/yr. What is your guy's interest rate on it?

For me, the best APR on purchases I can get on a REWARDS card is 9.99% - that's on my fleet titanium and AMEX blue. Has anyone been able to get a lower APR on purchases w/ a rewards card of 9.99%? -- cards w/ no rewards obviously give better APRs.